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The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SIMPLIFY EXCHANGE TRADED FUN SHORT TERM TREA 82889N657   65,047 2,967,492 SH   SOLE -- 2,967,492 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   35,478 1,231,447 SH   SOLE -- 1,231,447 0 0
ISHARES INC CORE MSCI EMKT 46434G103   52,345 971,169 SH   SOLE -- 971,169 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   74,343 845,027 SH   SOLE -- 845,027 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   37,951 702,100 SH   SOLE -- 702,100 0 0
ISHARES TR CORE MSCI EAFE 46432F842   51,802 685,189 SH   SOLE -- 685,189 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   21,564 384,185 SH   SOLE -- 384,185 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   56,880 328,428 SH   SOLE -- 328,428 0 0
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134   20,481 322,180 SH   SOLE -- 322,180 0 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593   10,413 314,273 SH   SOLE -- 314,273 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100   6,065 279,090 SH   SOLE -- 279,090 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   19,740 241,436 SH   SOLE -- 241,436 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   25,788 200,033 SH   SOLE -- 200,033 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   102,299 199,115 SH   SOLE -- 199,115 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   95,947 171,633 SH   SOLE -- 171,633 0 0
ALPS ETF TR ALERIAN MLP 00162Q452   5,075 97,825 SH   SOLE -- 97,825 0 0