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
Estimated average burden
hours per response: 23.8
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
Vanguard S&P 500 ETF Equity ETF 922908363   15,097,798 27,225 SH   SOLE   0 0 27,225
SPDR Gold Trust Commodity ETF 78463V107   12,306,773 43,444 SH   SOLE   0 0 43,444
iShares Short Treasury Bond ETF Bond ETF 464288679   8,809,736 100,295 SH   SOLE   0 0 100,295
SPDR Portfolio Short Term Corporate Bond ETF Bond ETF 78464A474   8,291,914 279,794 SH   SOLE   0 0 279,794
SPDR S&P Dividend ETF Equity ETF 78464A763   6,119,351 46,537 SH   SOLE   0 0 46,537
Vanguard Short-Term Corporate Bond ETF Bond ETF 92206C409   5,988,486 97,505 SH   SOLE   0 0 97,505
Invesco S&P 500 Equal Weight Technology ETF Equity ETF 46137V282   5,762,986 149,694 SH   SOLE   0 0 149,694
Vanguard Short-Term Treasury ETF Bond ETF 92206C102   5,668,339 96,962 SH   SOLE   0 0 96,962
Vanguard FTSE Developed Markets ETF Equity ETF 921943858   5,035,271 88,807 SH   SOLE   0 0 88,807
SPDR Portfolio Intermediate Term Treasury ETF Bond ETF 78464A672   4,988,317 174,337 SH   SOLE   0 0 174,337
SPDR S&P 500 ETF Trust Equity ETF 78462F103   4,736,411 7,708 SH   SOLE   0 0 7,708
iShares Aaa - A Rated Corporate Bond ETF Bond ETF 46429B291   4,509,702 119,284 SH   SOLE   0 0 119,284
iShares MSCI Eurozone ETF Equity ETF 464286608   4,465,785 87,703 SH   SOLE   0 0 87,703
Vanguard High Dividend Yield ETF Equity ETF 921946406   4,313,318 33,793 SH   SOLE   0 0 33,793
SPDR Bloomberg 1-3 Month T-Bill ETF Bond ETF 78468R663   4,152,774 73,760 SH   SOLE   0 0 73,760
SPDR Portfolio Intermediate Term Corporate Bond ETF Bond ETF 78464A375   4,098,961 122,735 SH   SOLE   0 0 122,735
iShares Core S&P Total U.S. Stock Market ETF Equity ETF 464287150   3,934,016 35,252 SH   SOLE   0 0 35,252
First Trust Global Tactical Commodity Strategy Fund Commodity ETF 33739H101   3,463,128 144,878 SH   SOLE   0 0 144,878
iShares MSCI Switzerland ETF Equity ETF 464286749   3,335,214 61,151 SH   SOLE   0 0 61,151
SPDR EURO STOXX 50 ETF Equity ETF 78463X202   3,333,585 65,802 SH   SOLE   0 0 65,802
Alphabet Inc Ordinary Share 02079K305   2,401,708 13,703 SH   SOLE   0 0 13,703
iShares MSCI All Country Asia ex Japan ETF Equity ETF 464288182   2,342,345 32,670 SH   SOLE   0 0 32,670
Vanguard FTSE Emerging Markets ETF Equity ETF 922042858   2,158,467 45,060 SH   SOLE   0 0 45,060
SPDR Consumers Staples Select Sector ETF Equity ETF 81369Y308   2,149,543 26,693 SH   SOLE   0 0 26,693
iShares MSCI Global Gold Miners ETF Equity ETF 46434G855   2,126,775 64,065 SH   SOLE   0 0 64,065
iShares Russell Mid-Cap ETF Equity ETF 464287499   2,017,060 23,192 SH   SOLE   0 0 23,192
Apple Inc Ordinary Share 037833100   1,883,798 9,232 SH   SOLE   0 0 9,232
iShares TIPS Bond ETF USD (D Bond ETF 464287176   1,660,436 15,180 SH   SOLE   0 0 15,180
SPDR Portfolio S&P 1500 Composite Stock Market ETF Equity ETF 78464A805   1,606,939 21,575 SH   SOLE   0 0 21,575
Invesco International Corporate Bond ETF Bond ETF 46138E636   1,375,913 57,215 SH   SOLE   0 0 57,215
Schwab US Small Cap ETF Equity ETF 808524607   1,331,422 55,574 SH   SOLE   0 0 55,574
iShares US Healthcare ETF Equity ETF 464287762   1,184,048 26,429 SH   SOLE   0 0 26,429
Vanguard Global ex-US Real Est Equity ETF 922042676   885,837 19,300 SH   SOLE   0 0 19,300
iShares Global Energy ETF Equity ETF 464287341   838,495 21,498 SH   SOLE   0 0 21,498
iShares Core High Dividend ETF Equity ETF 46429B663   757,451 6,500 SH   SOLE   0 0 6,500
Microsoft Corp Ordinary Share 594918104   744,006 1,504 SH   SOLE   0 0 1,504
iShares MSCI United Kingdom ETF Equity ETF 46435G334   728,229 18,435 SH   SOLE   0 0 18,435
iShares California Muni Bond USD Bond ETF 464288356   702,299 12,660 SH   SOLE   0 0 12,660
First Trust California Municipal High Income ETF Bond ETF 33739P863   698,212 14,635 SH   SOLE   0 0 14,635
Invesco QQQ Trust Series I Equity ETF 46090E103   666,587 1,215 SH   SOLE   0 0 1,215
iShares Russell 3000 ETF Equity ETF 464287689   640,572 1,835 SH   SOLE   0 0 1,835
First Trust Exchange-Traded AlphaDEX Fund II Equity ETF 33737J232   619,232 8,140 SH   SOLE   0 0 8,140
iShares MSCI Japan ETF Equity ETF 46434G822   606,312 8,117 SH   SOLE   0 0 8,117
iShares Global Materials ETF Equity ETF 464288695   531,515 6,248 SH   SOLE   0 0 6,248
Procter & Gamble Co Ordinary Share 742718109   507,043 3,200 SH   SOLE   0 0 3,200
iShares MSCI EAFE ETF Equity ETF 464287465   451,011 5,070 SH   SOLE   0 0 5,070
NVIDIA Corp Ordinary Share 67066G104   434,617 2,766 SH   SOLE   0 0 2,766
Berkshire Hathaway Inc Ordinary Share 084670702   424,180 878 SH   SOLE   0 0 878
Invesco California AMT-Free Municipal Bond ETF Bond ETF 46138E206   380,572 16,395 SH   SOLE   0 0 16,395
Booking Holdings Inc Ordinary Share 09857L108   368,490 64 SH   SOLE   0 0 64
Johnson & Johnson Ordinary Share 478160104   367,639 2,420 SH   SOLE   0 0 2,420
SPDR S&P Emerging Asia Pacific ETF Equity ETF 78463X301   309,242 2,460 SH   SOLE   0 0 2,460
Vanguard California Tax-Exempt Bond ETF 922021605   301,911 3,110 SH   SOLE   0 0 3,110
Mastercard Inc Ordinary Share 57636Q104   298,439 534 SH   SOLE   0 0 534
Coca-Cola Co Ordinary Share 191216100   294,614 4,187 SH   SOLE   0 0 4,187
Alphabet Inc Ordinary Share 02079K107   293,214 1,662 SH   SOLE   0 0 1,662
SPDR MSCI Emerging Markets StrategicFactors ETF Equity ETF 78463X426   280,220 4,470 SH   SOLE   0 0 4,470
Mondelez International Inc Ordinary Share 609207105   253,197 3,775 SH   SOLE   0 0 3,775
Cisco Systems Inc Ordinary Share 17275R102   252,201 3,655 SH   SOLE   0 0 3,655
iShares Fallen Angels USD Bond ETF Bond ETF 46435G474   244,566 9,090 SH   SOLE   0 0 9,090
Chevron Corporation Ordinary Share 166764100   241,526 1,696 SH   SOLE   0 0 1,696
Amazon.com Inc Ordinary Share 023135106   240,231 1,101 SH   SOLE   0 0 1,101
Unitedhealth Group Inc Ordinary Share 91324P102   237,976 767 SH   SOLE   0 0 767
Visa Inc Ordinary Share 92826C839   231,289 655 SH   SOLE   0 0 655
Chubb Limited Ordinary Share H1467J104   227,342 789 SH   SOLE   0 0 789
Alcon Inc. Ordinary Share H01301128   205,715 2,337 SH   SOLE   0 0 2,337