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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
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE MSCI EAFE 46432F842 40,466 544,997 SH   SOLE   509,783 0 35,214
ISHARES TR CORE S&P500 ETF 464287200 38,274 88,841 SH   SOLE   85,297 0 3,544
ISHARES INC MSCI EM ASIA ETF 464286426 27,091 320,903 SH   SOLE   299,108 0 21,795
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 19,428 422,158 SH   SOLE   422,158 0 0
ISHARES TR EAFE VALUE ETF 464288877 18,793 369,569 SH   SOLE   344,990 0 24,579
VANGUARD INDEX FDS VALUE ETF 922908744 16,354 120,807 SH   SOLE   112,846 0 7,961
ISHARES TR 0-5YR HI YL CP 46434V407 15,698 343,501 SH   SOLE   343,501 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 15,533 306,243 SH   SOLE   306,243 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 13,218 88,523 SH   SOLE   82,371 0 6,152
DBX ETF TR XTRACK USD HIGH 233051432 11,276 281,335 SH   SOLE   281,335 0 0
ISHARES TR CORE S&P SCP ETF 464287804 10,927 100,077 SH   SOLE   94,446 0 5,631
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 10,100 269,131 SH   SOLE   252,125 0 17,006
VANGUARD INDEX FDS SM CP VAL ETF 922908611 9,401 55,542 SH   SOLE   51,806 0 3,736
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 9,342 36,454 SH   SOLE   34,010 0 2,444
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 8,841 110,366 SH   SOLE   102,810 0 7,556
ISHARES INC MSCI SPAIN ETF 464286764 8,254 306,032 SH   SOLE   288,837 0 17,195
ISHARES INC MSCI ITALY ETF 46434G830 8,241 260,380 SH   SOLE   245,572 0 14,808
ISHARES TR ISHS 1-5YR INVS 464288646 7,905 144,671 SH   SOLE   144,671 0 0
SPDR SER TR S&P TRANSN ETF 78464A532 7,828 90,473 SH   SOLE   84,781 0 5,692
VANECK ETF TRUST EMERGING MRKT HI 92189F353 7,042 303,547 SH   SOLE   303,547 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381 6,840 47,434 SH   SOLE   44,154 0 3,280
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 6,647 52,213 SH   SOLE   48,607 0 3,606
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,618 65,022 SH   SOLE   60,535 0 4,487
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 5,441 108,511 SH   SOLE   108,511 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 4,663 107,293 SH   SOLE   107,293 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 4,216 83,456 SH   SOLE   83,456 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,161 56,052 SH   SOLE   56,052 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 3,934 62,958 SH   SOLE   62,958 0 0
ISHARES TR JPMORGAN USD EMG 464288281 3,553 32,278 SH   SOLE   32,278 0 0
ISHARES TR MBS ETF 464288588 3,241 29,966 SH   SOLE   29,966 0 0
DBX ETF TR XTRACKERS LOW 233051267 3,146 61,952 SH   SOLE   61,952 0 0
ISHARES INC JP MRG EM CRP BD 464286251 2,682 51,690 SH   SOLE   51,690 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,353 39,177 SH   SOLE   39,177 0 0
ISHARES TR IBOXX HI YD ETF 464288513 2,032 23,231 SH   SOLE   23,231 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 1,696 49,621 SH   SOLE   49,621 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 1,621 31,888 SH   SOLE   31,888 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 1,526 19,475 SH   SOLE   19,475 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,485 10,291 SH   SOLE   10,291 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,430 16,624 SH   SOLE   16,624 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,418 4,830 SH   SOLE   4,830 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 1,150 21,638 SH   SOLE   21,638 0 0
DBX ETF TR XTRCKR MSCI US 233051150 1,146 28,797 SH   SOLE   28,797 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,060 27,084 SH   SOLE   27,084 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 1,048 9,098 SH   SOLE   9,098 0 0
ISHARES TR MSCI USA VALUE 46432F388 966 9,590 SH   SOLE   9,590 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 766 28,705 SH   SOLE   28,705 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 652 28,719 SH   SOLE   28,719 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 629 20,985 SH   SOLE   20,985 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 627 16,731 SH   SOLE   16,731 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 575 7,265 SH   SOLE   7,265 0 0
LEGG MASON ETF INVT TR CLEARBRIDEG LR 524682200 573 10,162 SH   SOLE   10,162 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 562 8,565 SH   SOLE   8,565 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 536 10,285 SH   SOLE   10,285 0 0
ETF SER SOLUTIONS US GLB JETS 26922A842 477 20,205 SH   SOLE   20,205 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 371 8,533 SH   SOLE   8,533 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 361 9,663 SH   SOLE   9,663 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 261 6,291 SH   SOLE   6,291 0 0
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508 260 7,166 SH   SOLE   7,166 0 0