#	Issuer	Ticker	Shares	Value	% of Portfolio
1	Schwab Fundamental Intl Lg Co ETF	808524755	2,491,559	$112,643	9.66%
2	Janus Henderson Mortgage-Backed ETF	47103U852	1,809,457	$82,674	7.09%
3	Schwab International Equity ETF	808524805	3,098,986	$74,500	6.39%
4	Apple Computer Inc	AAPL	246,531	$67,022	5.75%
5	Hartford Multifactor Developed Markets ETF	518416102	1,319,339	$48,783	4.18%
6	Schwab Fundamental Emerg Mkts Lg Co ETF	808524730	1,264,195	$45,587	3.91%
7	Cambria Emerging Shareholder Yield ETF	132061706	1,078,407	$41,335	3.54%
8	Avantis Emerging Markets Equity ETF	025072604	533,244	$41,070	3.52%
9	Microsoft Corp	MSFT	74,800	$36,175	3.10%
10	Alphabet Inc Class C	GOOG	110,344	$34,626	2.97%
11	Schwab Intermediate-Term U.S. Trsy ETF	808524854	1,122,315	$28,148	2.41%
12	Janus Henderson AAA CLO ETF	47103U845	554,696	$28,057	2.41%
13	Vanguard Reit Index ETF	922908553	287,636	$25,453	2.18%
14	Schwab US TIPS ETF	808524870	903,600	$23,936	2.05%
15	Avantis International Equity ETF	025072703	288,093	$23,716	2.03%
16	Tortoise North American Pipeline Fund	890930308	651,036	$22,978	1.97%
17	Vanguard Total Bond Market ETF	921937835	296,362	$21,952	1.88%
18	Schwab U.S. REIT ETF	808524847	965,695	$20,173	1.73%
19	SPDR S&P 500 ETF	SPY	25,362	$17,295	1.48%
20	J P Morgan Chase & Co.	VYLD	51,943	$16,737	1.44%