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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
AMAZON COM INC COM 023135106 BBG001S5PQL7 350,851 2,760 SH   SOLE   2,760 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,467,955 8,574 SH   SOLE   8,574 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 BBG001SBT983 14,109,490 271,289 SH   SOLE   271,289 0 0
FIDELITY COVINGTON TRUST INT HG DIV ETF 316092725 BBG00JRH23N7 7,145,627 385,289 SH   SOLE   385,289 0 0
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 6,717,478 357,042 SH   SOLE   357,042 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 BBG003H4RBL9 7,633,555 194,711 SH   SOLE   194,711 0 0
ISHARES INC JP MRG EM CRP BD 464286251 BBG002WGKJD6 2,891,746 68,372 SH   SOLE   68,372 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 8,166,495 199,016 SH   SOLE   199,016 0 0
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 6,021,043 173,438 SH   SOLE   173,438 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 302,319 704 SH   SOLE   704 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 267,598 848 SH   SOLE   848 0 0
RBB FD INC US TRSRY 6 MNTH 74933W460 BBG01FRH4691 835,048 16,651 SH   SOLE   16,651 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 5,107,094 152,103 SH   SOLE   152,103 0 0
SPDR SER TR PORTFOLIO CRPORT 78464A144 BBG001V10544 1,899,638 68,877 SH   SOLE   68,877 0 0
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 BBG005D236G5 21,562,300 535,461 SH   SOLE   535,461 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 4,224,033 60,534 SH   SOLE   60,534 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 8,569,936 174,225 SH   SOLE   174,225 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 8,811,851 42,303 SH   SOLE   42,303 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 5,516,545 72,862 SH   SOLE   72,862 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 34,881,355 88,772 SH   SOLE   88,772 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 10,080,062 53,281 SH   SOLE   53,281 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 26,270,390 123,678 SH   SOLE   123,678 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 13,567,354 253,414 SH   SOLE   253,414 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 3,858,722 65,209 SH   SOLE   65,209 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 3,214,326 21,165 SH   SOLE   21,165 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 BBG001SHVR41 3,838,915 21,005 SH   SOLE   21,005 0 0
WISDOMTREE TR YIELD ENHANCD US 97717X511 BBG009KCY2C6 1,352,497 32,582 SH   SOLE   32,582 0 0