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
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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
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   5,892,968 125,196 SH   SOLE   125,196 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   7,023,709 111,275 SH   SOLE   111,275 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   10,781,949 97,336 SH   SOLE   97,336 0 0
ISHARES TR BROAD USD HIGH 46435U853   6,121,657 173,418 SH   SOLE   173,418 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   3,807,950 60,810 SH   SOLE   60,810 0 0
ISHARES TR CORE S&P SCP ETF 464287804   5,875,993 58,966 SH   SOLE   58,966 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   7,564,840 148,856 SH   SOLE   148,856 0 0
ISHARES TR IBOXX INV CP ETF 464287242   20,001,464 184,959 SH   SOLE   184,959 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   29,020,983 411,762 SH   SOLE   411,762 0 0
ISHARES TR S&P 500 VAL ETF 464287408   28,726,679 178,216 SH   SOLE   178,216 0 0
ISHARES TR USD INV GRDE ETF 464288620   4,948,191 98,786 SH   SOLE   98,786 0 0
ISHARES TR CORE US AGGBD ET 464287226   245,757 2,509 SH   SOLE   2,509 0 0
ISHARES TR MSCI ACWI ETF 464288257   620,924 6,472 SH   SOLE   6,472 0 0
ISHARES TR MORNINGSTR US EQ 464287127   2,495,851 40,862 SH   SOLE   40,862 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   859,713 17,136 SH   SOLE   17,136 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   8,075,772 46,450 SH   SOLE   46,450 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,237,296 74,645 SH   SOLE   74,645 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   221,841 784 SH   SOLE   784 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   211,920 4,589 SH   SOLE   4,589 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   263,285 1,354 SH   SOLE   1,354 0 0