Portfolio Holdings as of 10/31/2021
| Ticker | Cusip | Description | Shares | Market Value | % of Portfolio |
| IVV | 464287200 | iShares Core S&P 500 ETF | 7,471.000 | $3,444,056.29 | 23.68% |
| QQQ | 46090E103 | Invesco QQQ Trust Se ries 1 | 8,510.000 | $3,285,796.10 | 22.59% |
| USMV | 46429B697 | iShares Edge MSCI Mi n Vol USA ETF | 41,365.000 | $3,207,855.75 | 22.05% |
| IJH | 464287507 | iShares Core S&P Mid -Cap ETF | 8,412.000 | $2,344,003.80 | 16.11% |
| IWM | 464287655 | iShares Russell 2000 ETF | 3,947.000 | $900,113.35 | 6.19% |
| STIP | 46429B747 | ISHARES 0-5 TIPS ETF | 4,443.000 | $471,002.43 | 3.24% |
| XOP | 78468R556 | SPDR OIL & GAS EXP & ETF | 2,590.000 | $275,472.40 | 1.89% |
| GLD | 78463V107 | SPDR Gold Shares | 1,600.000 | $266,640.00 | 1.83% |
| VNQ | 922908553 | VANGUARD REAL ESTATE ETF | 2,310.000 | $251,882.40 | 1.73% |
| FIGXX | 316175108 | Fidelity Investments Money Market Funds | 99,528.090 | $99,528.09 | 0.68% |
| Totals | 180,176.090 | $14,546,350.61 | |||