The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
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
OMB APPROVAL
OMB Number: 3235-0006
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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
ALPHABET INC CAP STK CL A 02079K305   252,053 1,670 SH   SOLE   0 0 1,670
APPLE INC COM 037833100   864,826 5,043 SH   SOLE   0 0 5,043
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   1,058,625 34,039 SH   SOLE   0 0 34,039
INVESCO QQQ TR UNIT SER 1 46090E103   1,151,555 2,594 SH   SOLE   0 0 2,594
ISHARES INC MSCI WORLD ETF 464286392   2,397,681 16,546 SH   SOLE   0 0 16,546
ISHARES INC EMNG MKTS EQT 46434G889   200,430 4,500 SH   SOLE   0 0 4,500
ISHARES TR RUS 1000 GRW ETF 464287614   34,681,804 102,898 SH   SOLE   0 0 102,898
ISHARES TR RUSSELL 3000 ETF 464287689   6,186,898 20,617 SH   SOLE   0 0 20,617
ISHARES TR CORE US AGGBD ET 464287226   18,010,954 183,898 SH   SOLE   0 0 183,898
ISHARES TR 20 YR TR BD ETF 464287432   3,715,051 39,263 SH   SOLE   0 0 39,263
ISHARES TR 0-3 MNTH TREASRY 46436E718   505,139 5,016 SH   SOLE   0 0 5,016
ISHARES TR MSCI USA QLT FCT 46432F339   1,892,224 11,513 SH   SOLE   0 0 11,513
ISHARES TR CORE TOTAL USD 46434V613   3,433,793 75,319 SH   SOLE   0 0 75,319
ISHARES TR MORNINGSTAR VALU 464288109   4,551,419 59,217 SH   SOLE   0 0 59,217
ISHARES TR BROAD USD HIGH 46435U853   403,807 11,036 SH   SOLE   0 0 11,036
ISHARES TR S&P 100 ETF 464287101   200,897 812 SH   SOLE   0 0 812
ISHARES TR US HLTHCARE ETF 464287762   3,581,375 57,857 SH   SOLE   0 0 57,857
ISHARES TR IBOXX HI YD ETF 464288513   1,936,538 24,914 SH   SOLE   0 0 24,914
ISHARES TR 10-20 YR TRS ETF 464288653   1,484,914 14,138 SH   SOLE   0 0 14,138
ISHARES TR MSCI USA MIN VOL 46429B697   7,831,852 93,705 SH   SOLE   0 0 93,705
PIMCO ETF TR ACTIVE BD ETF 72201R775   12,250,071 133,356 SH   SOLE   0 0 133,356
THE CIGNA GROUP COM 125523100   217,914 600 SH   SOLE   0 0 600
VANGUARD WORLD FD INF TECH ETF 92204A702   5,548,307 10,582 SH   SOLE   0 0 10,582
VANGUARD WORLD FD MEGA GRWTH IND 921910816   2,549,354 8,895 SH   SOLE   0 0 8,895
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   17,543,476 146,795 SH   SOLE   0 0 146,795
WILLIAMS SONOMA INC COM 969904101   224,034 706 SH   SOLE   0 0 706