Instuitional Investor - Panoramic Investment Advisors, Llc

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Spdr Series Trust		282,554	$18,580,730	12.55%
2.	Vanguard Malvern Fds - CORE-PLUS BD ETF		99,319	$7,703,182	5.2%
3.	Schwab Strategic Trust	FNDF	195,619	$5,199,547	3.51%
4.	Ishares Tr - MSCI USA QLT FCT		26,335	$4,500,324	3.04%
5.	Schwab Strategic Trust	FNDF	153,253	$4,284,959	2.89%