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
APPLE INC COM 037833100   368,737 1,901 SH   SOLE   1,901 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   34,774,824 765,628 SH   SOLE   765,628 0 0
FRANKLIN TEMPLETON ETF TR FTSE EUROPE 35473P652   70,349,873 2,611,412 SH   SOLE   2,611,412 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   5,003,017 100,786 SH   SOLE   100,786 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   3,208,209 51,078 SH   SOLE   51,078 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   213,686 1,428 SH   SOLE   1,428 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   284,185 5,633 SH   SOLE   5,633 0 0
ISHARES TR NATIONAL MUN ETF 464288414   242,917 2,276 SH   SOLE   2,276 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   2,113,818 15,673 SH   SOLE   15,673 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   4,144,566 51,117 SH   SOLE   51,117 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   56,796,689 1,117,605 SH   SOLE   1,117,605 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   745,200 11,040 SH   SOLE   11,040 0 0
ISHARES TR CORE DIV GRWTH 46434V621   56,241,955 1,091,441 SH   SOLE   1,091,441 0 0
ISHARES TR TRS FLT RT BD 46434V860   56,688,686 1,118,782 SH   SOLE   1,118,782 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   5,034,980 100,099 SH   SOLE   100,099 0 0
ISHARES TR CORE US AGGBD ET 464287226   664,101 6,780 SH   SOLE   6,780 0 0
ISHARES TR CORE MSCI EAFE 46432F842   965,250 14,300 SH   SOLE   14,300 0 0
ISHARES TR CORE S&P500 ETF 464287200   987,693 2,216 SH   SOLE   2,216 0 0
ISHARES TR US INFRASTRUC 46435U713   24,330,544 622,583 SH   SOLE   622,583 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   99,725,092 2,068,556 SH   SOLE   2,068,556 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,121,756 31,510 SH   SOLE   31,510 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   56,833,164 764,606 SH   SOLE   764,606 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,013,148 99,983 SH   SOLE   99,983 0 0
LISTED FD TR OVERLAY 53656F581   71,615,362 2,573,232 SH   SOLE   2,573,232 0 0
PIMCO ETF TR SR LN ACTIVE ETF 72201R627   49,769,536 997,385 SH   SOLE   997,385 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   5,011,045 50,231 SH   SOLE   50,231 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   71,650,194 539,819 SH   SOLE   539,819 0 0
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   11,438,734 222,068 SH   SOLE   222,068 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   735,402 1,659 SH   SOLE   1,659 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   396,640 13,777 SH   SOLE   13,777 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   386,740 15,244 SH   SOLE   15,244 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   99,817,534 3,390,541 SH   SOLE   3,390,541 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   2,945,966 54,114 SH   SOLE   54,114 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   16,525,793 40,576 SH   SOLE   40,576 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,335,835 8,255 SH   SOLE   8,255 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   56,053,456 809,904 SH   SOLE   809,904 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E307   665,242 17,465 SH   SOLE   17,465 0 0