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
Alphabet Inc. - Class A COM 02079K305   208,971 1,260 SH   SOLE   0 0 1,260
Apple Inc COM 037833100   291,017 1,249 SH   SOLE   0 0 1,249
Capital Group Core Plus Income ETF COM 14020Y102   7,295,678 315,557 SH   SOLE   0 0 315,557
Dimensional International Value ETF COM 25434V807   4,131,413 108,493 SH   SOLE   0 0 108,493
Dimensional Large Cap Value ETF COM 25434V666   1,623,872 52,706 SH   SOLE   0 0 52,706
Dimensional National Municipal Bond ETF COM 25434V849   9,217,261 189,890 SH   SOLE   0 0 189,890
Franklin FTSE Japan ETF COM 35473P744   7,894,173 259,506 SH   SOLE   0 0 259,506
Innovator US Small Cap Power Buffer ETF COM 45782C599   7,889,744 259,873 SH   SOLE   0 0 259,873
Invesco Senior Loan ETF COM 46138G508   275,441 13,110 SH   SOLE   0 0 13,110
iShares Barclays 7-10 Year Treasury Bonds COM 464287440   7,341,338 74,820 SH   SOLE   0 0 74,820
iShares Core S&P 500 ETF COM 464287200   29,249,965 50,709 SH   SOLE   0 0 50,709
iShares Core U.S. Aggregate Bond ETF COM 464287226   3,234,159 31,936 SH   SOLE   0 0 31,936
iShares Gold Trust COM 464285204   2,468,450 49,667 SH   SOLE   0 0 49,667
Ishares Russell 1000 Growth Etf COM 464287614   15,162,349 40,392 SH   SOLE   0 0 40,392
iShares Russell 3000 ETF COM 464287689   19,074,824 58,381 SH   SOLE   0 0 58,381
iShares S&P National Muni Bond Fund COM 464288414   1,190,150 10,956 SH   SOLE   0 0 10,956
iShares S&P National Short Term Municipal Bond Fund COM 464288158   684,926 6,450 SH   SOLE   0 0 6,450
iShares Trust Broad USD Investment Grade Corporate Bond ETF COM 464288620   2,319,672 44,117 SH   SOLE   0 0 44,117
Janus Henderson AAA CLO ETF COM 47103U845   11,654,624 229,061 SH   SOLE   0 0 229,061
JP Morgan Ultra-Short Income ETF COM 46641Q837   3,503,648 69,051 SH   SOLE   0 0 69,051
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654   1,777,602 34,896 SH   SOLE   0 0 34,896
JPMorgan Active Bond ETF COM 46654Q716   3,511,809 64,260 SH   SOLE   0 0 64,260
Microsoft Corp COM 594918104   767,655 1,784 SH   SOLE   0 0 1,784
Pimco 0-5 Year High Yield Corporate Bond Index Fund COM 72201R783   2,715,734 28,437 SH   SOLE   0 0 28,437
Pimco Enhanced Low Duration Active ETF COM 72201R718   1,280,682 13,346 SH   SOLE   0 0 13,346
Pimco Enhanced Short Maturity Active ETF COM 72201R833   6,762,542 67,162 SH   SOLE   0 0 67,162
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613   12,273,876 302,089 SH   SOLE   0 0 302,089
SPDR Blackstone Senior Loan ETF COM 78467V608   2,213,572 53,007 SH   SOLE   0 0 53,007
SPDR Portfolio Aggregate Bond ETF COM 78464A649   2,669,940 102,140 SH   SOLE   0 0 102,140
SPDR Portfolio Large Cap ETF COM 78464A854   3,485,676 51,632 SH   SOLE   0 0 51,632
SPDR Portfolio S&P 500 Growth ETF COM 78464A409   7,340,936 88,509 SH   SOLE   0 0 88,509
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474   3,393,025 112,055 SH   SOLE   0 0 112,055
SPDR Portfolio Total Stock Market ETF COM 78464A805   3,147,025 44,919 SH   SOLE   0 0 44,919
SPDR S&P 500 ETF COM 78462F103   609,333 1,062 SH   SOLE   0 0 1,062
Vanguard FTSE Developed Markets ETF COM 921943858   4,161,217 78,796 SH   SOLE   0 0 78,796
Vanguard Intermediate Term Bond ETF COM 921937819   2,113,090 26,963 SH   SOLE   0 0 26,963
Vanguard Short-Term Corporate Bond ETF COM 92206C409   3,242,004 40,821 SH   SOLE   0 0 40,821
Vanguard Small-Cap ETF COM 922908751   9,627,168 40,585 SH   SOLE   0 0 40,585
Vanguard Total Stock Market ETF COM 922908769   8,267,706 29,198 SH   SOLE   0 0 29,198
Vanguard Ultra-Short Bond ETF COM 92203C303   2,033,007 40,709 SH   SOLE   0 0 40,709