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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
MKTV (HYD) HIGH YLD MUNI FETF 92189H409 3,898 62,737 SH   SOLE   62,737 0 0
VANE (EMLC) LC BOND FETF 92189H300 645 20,985 SH   SOLE   20,985 0 0
VANE (HYEM) EM HIGH YIELD FETF 92189F353 6,462 273,811 SH   SOLE   273,811 0 0
SPDR (XLC) COMMUNICATION EETF 81369Y852 12,871 175,613 SH   SOLE   165,659 0 9,954
SPDR (XLK) TECHNOLOGY EETF 81369Y803 23,904 180,119 SH   SOLE   169,792 0 10,327
SPDR (XLP) CONS STAPLE EETF 81369Y308 10,604 155,512 SH   SOLE   146,597 0 8,915
SPDR (SPYD) S&P500 HIGH DIV EETF 78468R788 974 25,292 SH   SOLE   25,292 0 0
SPDR (SRLN) SENIOR LOAN FETF 78467V608 14,691 321,115 SH   SOLE   321,115 0 0
SPDR (XTN) S&P TRANSPO EETF 78464A532 17,936 205,189 SH   SOLE   193,444 0 11,745
SPDR (PSK) WF PREF STK FETF 78464A292 847 19,530 SH   SOLE   19,530 0 0
NUSH (NUSC) ESG SMALL CAP EETF 67092P607 320 7,448 SH   SOLE   7,448 0 0
NUV (NULV) ESG LRG CAP VAL EETF 67092P300 660 18,234 SH   SOLE   18,234 0 0
JAN (VNLA) SHORT DUR BOND FD FETF 47103U886 573 11,410 SH   SOLE   11,410 0 0
JAN (JMBS) MBS BOND FD FETF 47103U852 7,501 141,363 SH   SOLE   141,363 0 0
JAN (JAAA) AAA CLO FETF 47103U845 398 7,879 SH   SOLE   7,879 0 0
JPM (JPST) ULTRA SHORT INC FETF 46641Q837 11,866 233,808 SH   SOLE   233,808 0 0
ISH (ESGD) MSCI EAFE EETF 46435G516 1,485 19,560 SH   SOLE   19,560 0 0
ISH (REM) MORTGAGE EETF 46435G342 274 7,770 SH   SOLE   7,770 0 0
ISH (SHYG) HIGH YIELD 0-5YR CORP FETF 46434V407 12,639 275,904 SH   SOLE   275,904 0 0
ISH (ESGE) MSCI EM SELECT EETF 46434G863 326 7,530 SH   SOLE   7,530 0 0
ISH (IEFA) CORE EAFE EETF 46432F842 46,862 650,408 SH   SOLE   615,782 0 34,626
ISH (QUAL) US QUALITY EETF 46432F339 12,906 106,065 SH   SOLE   99,932 0 6,133
ISH (NEAR) SHORT BOND FETF 46431W507 9,640 192,105 SH   SOLE   192,105 0 0
ISH (FLOT) FLOATING RATE BOND FETF 46429B655 1,363 26,838 SH   SOLE   26,838 0 0
INV (PCY) EMERG MKT DEBT FETF 46138E784 768 28,705 SH   SOLE   28,705 0 0
INV (RCD) S&P 500 EETF 46137V381 7,810 55,446 SH   SOLE   52,276 0 3,170
VAN (VTV) VALUE EETF 922908744 28,105 213,903 SH   SOLE   201,678 0 12,225
VAN (VNQ) REIT EETF 922908553 13,260 144,346 SH   SOLE   136,177 0 8,169
SCH (SCHD) US DIV EETF 808524797 4,384 60,175 SH   SOLE   60,175 0 0
CBR (LRGE) LRG CAP GR ESG EETF 524682200 757 15,114 SH   SOLE   15,114 0 0
ISH (EFV) MSCI EAFE VALUE EETF 464288877 20,419 400,842 SH   SOLE   377,943 0 22,899
ISH (IGSB) 1-5 YEAR CREDIT FETF 464288646 7,226 132,142 SH   SOLE   132,142 0 0
ISH (IGIB) INT CREDIT FETF 464288638 1,768 29,866 SH   SOLE   29,866 0 0
ISH (MBB) MBS BOND FD FETF 464288588 2,818 26,016 SH   SOLE   26,016 0 0
ISH (HYG) HIGH YLD FETF 464288513 2,485 28,516 SH   SOLE   28,516 0 0
ISH (EMB) USD EMERGING FETF 464288281 3,760 34,543 SH   SOLE   34,543 0 0
ISH (IJR) S&P SMALL CAP EETF 464287804 12,905 118,895 SH   SOLE   113,586 0 5,309
ISH (IWO) RUSSELL 2000 GWTH EETF 464287648 1,517 5,050 SH   SOLE   5,050 0 0
ISH (IYC) US CONSUMER SERVICES EETF 464287580 13,072 174,802 SH   SOLE   164,992 0 9,810
ISH (IEF) BARCLAYS 7-10YR TSY FETF 464287440 852 7,541 SH   SOLE   7,541 0 0
ISH (TLT) 20 PLUS YEAR TREAS FETF 464287432 1,294 9,542 SH   SOLE   9,542 0 0
ISH (IVV) S&P500 CORE EETF 464287200 41,294 103,816 SH   SOLE   101,566 0 2,250
ISH (EEMA) MSCI EM EETF 464286426 22,880 253,070 SH   SOLE   238,579 0 14,491
ISH (DVYE) EM DIV EETF 464286319 235 5,994 SH   SOLE   5,994 0 0
ISH (CEMB) EM DEBT FETF 464286251 1,925 37,051 SH   SOLE   37,051 0 0
GS (GSLC) AB ETF EETF 381430503 3,335 42,168 SH   SOLE   42,168 0 0
GS (GSIE) AB INTL EETF 381430107 4,159 126,019 SH   SOLE   126,019 0 0
XTR (HYLB) HIGH YIELD CORP FETF 233051432 10,671 213,426 SH   SOLE   213,426 0 0
XTR (HYDW) US HIGH YIELD FETF 233051267 2,438 48,340 SH   SOLE   48,340 0 0
XTR (USSG) US LARGE CAP CORE EETF 233051150 806 22,126 SH   SOLE   22,126 0 0