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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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
Invesco Exch Traded Fd Tr II Sr Ln ETF 46138G508   1,299,851 61,780 SH   SOLE   0 0 61,780
iShares Tr 0-5YR HI YL CP 46434V407   1,297,903 30,756 SH   SOLE   0 0 30,756
iShares Tr 3-7 Yr Treas Bd 464288661   2,262,866 19,597 SH   SOLE   0 0 19,597
iShares Tr 7-10 Yr Trsy Bd 464287440   2,063,484 22,034 SH   SOLE   0 0 22,034
iShares Tr Core US Aggbd Et 464287226   4,223,322 43,508 SH   SOLE   0 0 43,508
iShares Tr Tips BD ETF 464287176   4,403,180 41,236 SH   SOLE   0 0 41,236
iShares Tr JPMorgan USD Emg 464288281   3,145,199 35,547 SH   SOLE   0 0 35,547
iShares Tr Fltg Rate Nt ETF 46429B655   666,571 13,047 SH   SOLE   0 0 13,047
iShares Tr Iboxx Hi Yd ETF 464288513   6,388,889 82,822 SH   SOLE   0 0 82,822
iShares Tr Iboxx Inv Cp ETF 464287242   4,107,731 38,347 SH   SOLE   0 0 38,347
iShares Tr 20 Yr Tr Bd ETF 464287432   1,841,657 20,066 SH   SOLE   0 0 20,066
iShares Tr MBS ETF 464288588   1,365,398 14,872 SH   SOLE   0 0 14,872
iShares Tr National Mun ETF 464288414   1,463,784 13,738 SH   SOLE   0 0 13,738
iShares Tr Pfd And Incm SEC 464288687   1,486,257 47,108 SH   SOLE   0 0 47,108
iShares Tr Short Treas Bd 464288679   244,537 2,213 SH   SOLE   0 0 2,213
iShares Tr US Treas Bd ETF 46429B267   2,520,911 111,693 SH   SOLE   0 0 111,693
Vaneck ETF Trust High Yld MuniETF 92189H409   661,068 12,799 SH   SOLE   0 0 12,799
National Westn Life Group Inc Cl A 638517102   4,141,001 8,333 SH   SOLE   0 0 8,333
Pimco ETF Tr Enhan Shrt Ma Ac 72201R833   213,076 2,117 SH   SOLE   0 0 2,117
Schwab Strategic Tr US Aggregate B 808524839   716,244 15,714 SH   SOLE   0 0 15,714
SPDR Ser Tr Portfolio Agrgte 78464A649   419,154 16,706 SH   SOLE   0 0 16,706
SPDR Ser Tr Bloomberg High Y 78468R622   4,627,809 49,091 SH   SOLE   0 0 49,091
SPDR Ser Tr Bloomberg Invt 78468R200   226,593 7,345 SH   SOLE   0 0 7,345
SPDR Ser Tr Bloomberg Sht TE 78468R408   3,610,537 144,595 SH   SOLE   0 0 144,595
SPDR Ser Tr Nuveen Blmbrg Mu 78468R721   300,440 6,567 SH   SOLE   0 0 6,567
Select Sector SPDR Tr SBI Int-Utils 81369Y886   383,560 5,629 SH   SOLE   0 0 5,629
Vanguard Scottsdale FDS Int-Term Corp 92206C870   4,196,725 52,505 SH   SOLE   0 0 52,505
Vanguard Scottsdale FDS Mtg-Bkd Secs ETF 92206C771   622,706 13,716 SH   SOLE   0 0 13,716
Vanguard BD Index FDS Short Trm Bond 921937827   260,243 3,393 SH   SOLE   0 0 3,393
Vanguard Scottsdale FDS Shrt Trm Corp BD 92206C409   609,004 7,881 SH   SOLE   0 0 7,881
Vanguard Malvern FDS Strm Infproidx 922020805   840,082 17,307 SH   SOLE   0 0 17,307
Vanguard Mun Bd FDS Tax Exempt BD 922907746   1,349,061 26,922 SH   SOLE   0 0 26,922
Vanguard BD Index FDS Total Bnd Mrkt 921937835   3,389,376 47,042 SH   SOLE   0 0 47,042
Vanguard Charlotte FDS Total Int Bd ETF 92203J407   1,983,692 40,758 SH   SOLE   0 0 40,758
Vanguard Index FDS Total Stk Mkt 922908769   575,682 2,152 SH   SOLE   0 0 2,152
Wisdomtree Tr Putwrite Strat 97717X560   13,525,478 405,440 SH   SOLE   0 0 405,440