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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   238,775 1,448 SH   SOLE   1,448 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   33,454,163 740,956 SH   SOLE   740,956 0 0
FRANKLIN TEMPLETON ETF TR FTSE EUROPE 35473P652   67,571,465 2,542,900 SH   SOLE   2,542,900 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   4,250,968 85,705 SH   SOLE   85,705 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   3,318,245 53,177 SH   SOLE   53,177 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   374,916 7,923 SH   SOLE   7,923 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258   1,242,711 16,373 SH   SOLE   16,373 0 0
ISHARES TR CORE MSCI EAFE 46432F842   468,084 7,002 SH   SOLE   7,002 0 0
ISHARES TR EAFE VALUE ETF 464288877   655,592 13,509 SH   SOLE   13,509 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,038,388 2,526 SH   SOLE   2,526 0 0
ISHARES TR US INFRASTRUC 46435U713   22,268,471 596,690 SH   SOLE   596,690 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   95,388,286 1,967,580 SH   SOLE   1,967,580 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,040,009 29,462 SH   SOLE   29,462 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   1,944,471 15,673 SH   SOLE   15,673 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   53,546,023 736,129 SH   SOLE   736,129 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   4,282,707 85,228 SH   SOLE   85,228 0 0
ISHARES TR CORE US AGGBD ET 464287226   667,688 6,701 SH   SOLE   6,701 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   4,199,773 51,117 SH   SOLE   51,117 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   52,581,766 1,043,496 SH   SOLE   1,043,496 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   679,883 10,050 SH   SOLE   10,050 0 0
ISHARES TR CORE DIV GRWTH 46434V621   52,325,433 1,046,718 SH   SOLE   1,046,718 0 0
ISHARES TR TRS FLT RT BD 46434V860   52,797,395 1,043,633 SH   SOLE   1,043,633 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   4,275,036 84,957 SH   SOLE   84,957 0 0
LISTED FD TR OVERLAY 53656F581   66,125,594 2,555,460 SH   SOLE   2,555,460 0 0
PIMCO ETF TR SR LN ACTIVE ETF 72201R627   46,940,690 948,856 SH   SOLE   948,856 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   4,233,608 42,656 SH   SOLE   42,656 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   67,229,373 519,306 SH   SOLE   519,306 0 0
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   11,331,977 211,299 SH   SOLE   211,299 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   679,178 1,659 SH   SOLE   1,659 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   558,556 19,109 SH   SOLE   19,109 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   393,143 15,244 SH   SOLE   15,244 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   95,633,499 3,227,590 SH   SOLE   3,227,590 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   2,728,969 54,114 SH   SOLE   54,114 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   15,368,853 40,867 SH   SOLE   40,867 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   53,159,915 795,688 SH   SOLE   795,688 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E307   451,486 11,544 SH   SOLE   11,544 0 0