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
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   11,395,805 49,010 SH   SOLE   49,010 0 0
REAL ESTATE SELECT SECTOR SPDR FUND ETF 81369Y860   772,852 19,003 SH   SOLE   19,003 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   2,610,986 4,455 SH   SOLE   4,455 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   3,980,038 28,931 SH   SOLE   28,931 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   532,354 20,586 SH   SOLE   20,586 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   17,845,412 44,438 SH   SOLE   44,438 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   1,910,144 24,299 SH   SOLE   24,299 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND ETF 81369Y852   3,627,568 37,471 SH   SOLE   37,471 0 0
JPMORGAN BETABUILDERS CANADA ETF ETF 46641Q225   214,735 3,042 SH   SOLE   3,042 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   4,681,727 96,870 SH   SOLE   96,870 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   3,519,729 55,455 SH   SOLE   55,455 0 0
WISDOMTREE EUROPE HEDGED EQUITY FUND ETF 97717X701   508,289 11,626 SH   SOLE   11,626 0 0
TARGA RES CORP COM Stock 87612G101   1,656,302 9,279 SH   SOLE   9,279 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   811,665 4,632 SH   SOLE   4,632 0 0
SCHWAB U.S. MID-CAP ETF ETF 808524508   610,119 22,018 SH   SOLE   22,018 0 0
INVESCO BULLETSHARES 2026 MUNICIPAL BOND ETF ETF 46138J510   348,270 14,776 SH   SOLE   14,776 0 0
INVESCO BULLETSHARES 2027 MUNICIPAL BOND ETF ETF 46138J494   350,743 14,862 SH   SOLE   14,862 0 0
INVESCO BULLETSHARES 2028 MUNICIPAL BOND ETF ETF 46138J486   351,070 15,048 SH   SOLE   15,048 0 0
INVESCO BULLETSHARES 2029 MUNICIPAL BOND ETF ETF 46138J478   348,757 15,203 SH   SOLE   15,203 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866   2,208,989 31,095 SH   SOLE   31,095 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,430,067 7,216 SH   SOLE   7,216 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538   2,518,723 9,926 SH   SOLE   9,926 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   1,633,590 5,833 SH   SOLE   5,833 0 0
VANGUARD VALUE ETF ETF 922908744   10,211,330 60,315 SH   SOLE   60,315 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   1,638,218 31,687 SH   SOLE   31,687 0 0
ROUNDHILL MAGNIFICENT SEVEN ETF ETF 53656G498   905,494 16,639 SH   SOLE   16,639 0 0
INVESCO LARGE CAP VALUE ETF ETF 46137V738   2,975,235 52,311 SH   SOLE   52,311 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   1,519,694 17,741 SH   SOLE   17,741 0 0
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100   761,888 9,055 SH   SOLE   9,055 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   4,791,892 21,359 SH   SOLE   21,359 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   3,202,559 24,306 SH   SOLE   24,306 0 0
VANGUARD MID-CAP VALUE ETF ETF 922908512   2,653,190 16,401 SH   SOLE   16,401 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   419,845 10,942 SH   SOLE   10,942 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   1,335,604 12,535 SH   SOLE   12,535 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   1,426,812 10,801 SH   SOLE   10,801 0 0
XTRACKERS MSCI EUROPE HEDGED EQUITY ETF ETF 233051853   1,871,456 45,413 SH   SOLE   45,413 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   3,718,694 84,439 SH   SOLE   84,439 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   2,457,190 25,358 SH   SOLE   25,358 0 0
FIRST TRUST MANAGED MUNICIPAL ETF ETF 33739N108   325,750 6,386 SH   SOLE   6,386 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886   597,951 7,900 SH   SOLE   7,900 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   2,649,444 77,628 SH   SOLE   77,628 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   234,809 4,684 SH   SOLE   4,684 0 0
ISHARES MSCI EAFE ETF ETF 464287465   239,306 3,165 SH   SOLE   3,165 0 0
APPLE INC COM Stock 037833100   918,541 3,668 SH   SOLE   3,668 0 0