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
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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
AMCOR PLC COM COM G0250X107 354 43,637 SH   SOLE   0 0 43,637
APPLE INC COM COM 037833100 630 2,479 SH   SOLE   0 0 2,479
AT&T INC COM COM 00206R102 279 9,557 SH   SOLE   0 0 9,557
DBX ETF TRUST XTRACK USD HIGH ETF XTRACK USD HIGH ETF 233051432 603 13,691 SH   SOLE   0 0 13,691
EXACTUS INC COM COM 30066P201 3 32,000 SH   SOLE   0 0 32,000
FORD MOTOR CO COM COM 345370860 87 17,931 SH   SOLE   0 0 17,931
INVESCO EXCHANGE TRADED FD TR S&P500 EQL WGT ETF S&P500 EQL WGT ETF 46137V357 3,243 38,598 SH   SOLE   0 0 38,598
INVESCO QQQ TRUST UNIT SER 1 ETF UNIT SER 1 ETF 46090E103 443 2,326 SH   SOLE   0 0 2,326
ISHARES TRUST 1 3 YR TREAS BD ETF 1 3 YR TREAS BD ETF 464287457 1,260 14,537 SH   SOLE   0 0 14,537
ISHARES TRUST BARCLAYS 7 10 YR ETF BARCLAYS 7 10 YR ETF 464287440 523 4,303 SH   SOLE   0 0 4,303
ISHARES TRUST BROAD USD HIGH ETF BROAD USD HIGH ETF 46435U853 597 16,819 SH   SOLE   0 0 16,819
ISHARES TRUST CORE S&P MCP ETF CORE S&P MCP ETF 464287507 3,182 22,122 SH   SOLE   0 0 22,122
ISHARES TRUST CORE S&P500 ETF CORE S&P500 ETF 464287200 288 1,116 SH   SOLE   0 0 1,116
ISHARES TRUST CORE US AGGBD ET ETF CORE US AGGBD ET ETF 464287226 46,897 406,496 SH   SOLE   0 0 406,496
ISHARES TRUST IBOXX HI YD ETF IBOXX HI YD ETF 464288513 1,310 17,004 SH   SOLE   0 0 17,004
ISHARES TRUST IBOXX INV CP ETF IBOXX INV CP ETF 464287242 294 2,378 SH   SOLE   0 0 2,378
ISHARES TRUST JPMORGAN USD EMG ETF JPMORGAN USD EMG ETF 464288281 264 2,728 SH   SOLE   0 0 2,728
ISHARES TRUST SELECT DIVID ETF SELECT DIVID ETF 464287168 489 6,649 SH   SOLE   0 0 6,649
MASTERCARD INCORPORATED COM CL A COM CL A 57636Q104 306 1,266 SH   SOLE   0 0 1,266
MICROSOFT CORP COM COM 594918104 255 1,616 SH   SOLE   0 0 1,616
OREILLY AUTOMOTIVE INC NEW COM COM 67103H107 331 1,100 SH   SOLE   0 0 1,100
PIMCO ETF TRUST 0-5 HIGH YIELD ETF 0-5 HIGH YIELD ETF 72201R783 289 3,368 SH   SOLE   0 0 3,368
PROCTER & GAMBLE CO COM COM 742718109 235 2,134 SH   SOLE   0 0 2,134
SELECT SECTOR SPDR TRUST SBI CONS STPLS ETF SBI CONS STPLS ETF 81369Y308 505 9,263 SH   SOLE   0 0 9,263
SELECT SECTOR SPDR TRUST SBI INT-UTILS ETF SBI INT-UTILS ETF 81369Y886 523 9,438 SH   SOLE   0 0 9,438
SPDR SERIES TRUST BLOOMBERG BRCLYS ETF BLOOMBERG BRCLYS ETF 78468R622 1,266 13,358 SH   SOLE   0 0 13,358
SPDR SERIES TRUST BLOOMBERG SRT TR ETF BLOOMBERG SRT TR ETF 78468R408 364 15,463 SH   SOLE   0 0 15,463
STARBUCKS CORP COM COM 855244109 220 3,348 SH   SOLE   0 0 3,348
TREE OF KNOWLEDGE INTL COR COM COM 89467L102 22 1,450,000 SH   SOLE   0 0 1,450,000
VERISK ANALYTICS INC COM COM 92345Y106 353 2,535 SH   SOLE   0 0 2,535