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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN ETFS BBRG ALL COMD K1 003261104   1,627,951 84,089 SH   SOLE   0 0 84,089
APPLE INC COM 037833100   395,425 2,080 SH   SOLE   0 0 2,080
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   2,664,996 50,917 SH   SOLE   0 0 50,917
BLACKROCK ETF TRUST WORLD EX US CARB 09290C608   488,330 11,167 SH   SOLE   0 0 11,167
DBX ETF TR XTRACK USD HIGH 233051432   670,658 18,865 SH   SOLE   0 0 18,865
DBX ETF TR XTRCKR MSCI US 233051150   13,383,042 302,511 SH   SOLE   0 0 302,511
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   3,140,760 117,856 SH   SOLE   0 0 117,856
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   92,084,500 3,000,482 SH   SOLE   0 0 3,000,482
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   134,528,073 4,119,057 SH   SOLE   0 0 4,119,057
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   186,829,396 1,991,576 SH   SOLE   0 0 1,991,576
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   65,559,971 4,929,346 SH   SOLE   0 0 4,929,346
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   2,711,708 156,812 SH   SOLE   0 0 156,812
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   1,837,547 96,207 SH   SOLE   0 0 96,207
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   3,609,475 21,416 SH   SOLE   0 0 21,416
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,299,255 36,911 SH   SOLE   0 0 36,911
ISHARES INC CORE MSCI EMKT 46434G103   68,137,102 1,351,312 SH   SOLE   0 0 1,351,312
ISHARES INC CORE MSCI EMKT 46434G103   83,081 1,655 SH   SOLE 1 0 0 1,655
ISHARES INC ESG AWR MSCI EM 46434G863   6,090,345 189,969 SH   SOLE   0 0 189,969
ISHARES INC MSCI EMRG CHN 46434G764   941,250 16,987 SH   SOLE   0 0 16,987
ISHARES TR 1 3 YR TREAS BD 464287457   4,316,545 52,844 SH   SOLE   0 0 52,844
ISHARES TR 10-20 YR TRS ETF 464288653   332,142 3,068 SH   SOLE   0 0 3,068
ISHARES TR 20 YR TR BD ETF 464287432   3,672,032 37,136 SH   SOLE   0 0 37,136
ISHARES TR BROAD USD HIGH 46435U853   67,700,771 1,862,478 SH   SOLE   0 0 1,862,478
ISHARES TR CORE DIV GRWTH 46434V621   597,294 11,098 SH   SOLE   0 0 11,098
ISHARES TR CORE MSCI EAFE 46432F842   96,099,963 1,367,961 SH   SOLE   0 0 1,367,961
ISHARES TR CORE S&P MCP ETF 464287507   2,509,098 9,053 SH   SOLE   0 0 9,053
ISHARES TR CORE S&P SCP ETF 464287804   86,878,518 802,575 SH   SOLE   0 0 802,575
ISHARES TR CORE S&P TTL STK 464287150   381,297,353 3,623,628 SH   SOLE   0 0 3,623,628
ISHARES TR CORE S&P500 ETF 464287200   77,508,717 162,278 SH   SOLE   0 0 162,278
ISHARES TR CORE TOTAL USD 46434V613   154,631,440 3,356,451 SH   SOLE   0 0 3,356,451
ISHARES TR CORE US AGGBD ET 464287226   272,020,004 2,744,117 SH   SOLE   0 0 2,744,117
ISHARES TR CRE U S REIT ETF 464288521   1,746,278 34,686 SH   SOLE   0 0 34,686
ISHARES TR EAFE GRWTH ETF 464288885   3,574,624 36,909 SH   SOLE   0 0 36,909
ISHARES TR EAFE VALUE ETF 464288877   5,866,014 112,591 SH   SOLE   0 0 112,591
ISHARES TR ESG ADV TTL USD 46436E619   14,642,220 338,471 SH   SOLE   0 0 338,471
ISHARES TR ESG ADVNCD HY BD 46435G441   5,636,734 123,959 SH   SOLE   0 0 123,959
ISHARES TR ESG AWARE MSCI 46435U663   8,840,363 232,581 SH   SOLE   0 0 232,581
ISHARES TR ESG AWR MSCI USA 46435G425   3,355,406 31,981 SH   SOLE   0 0 31,981
ISHARES TR ESG AWR US AGRGT 46435U549   18,746,915 392,689 SH   SOLE   0 0 392,689
ISHARES TR ESG AWRE USD ETF 46435G193   1,352,685 58,130 SH   SOLE   0 0 58,130
ISHARES TR ESG EAFE ETF 46436E759   9,434,623 147,693 SH   SOLE   0 0 147,693
ISHARES TR ESG MSCI USA ETF 46436E767   20,204,621 507,400 SH   SOLE   0 0 507,400
ISHARES TR GLOBAL ENERG ETF 464287341   719,820 18,405 SH   SOLE   0 0 18,405
ISHARES TR IBOXX HI YD ETF 464288513   563,090 7,276 SH   SOLE   0 0 7,276
ISHARES TR IBOXX INV CP ETF 464287242   2,832,315 25,595 SH   SOLE   0 0 25,595
ISHARES TR INTL EQTY FACTOR 46434V274   3,472,783 123,895 SH   SOLE   0 0 123,895
ISHARES TR JPMORGAN USD EMG 464288281   54,684,060 616,419 SH   SOLE   0 0 616,419
ISHARES TR MBS ETF 464288588   5,214,279 55,424 SH   SOLE   0 0 55,424
ISHARES TR MSCI EAFE ETF 464287465   1,604,858 21,379 SH   SOLE   0 0 21,379
ISHARES TR MSCI EMG MKT ETF 464287234   365,112 9,080 SH   SOLE   0 0 9,080
ISHARES TR MSCI KLD400 SOC 464288570   1,860,698 20,436 SH   SOLE   0 0 20,436
ISHARES TR MSCI USA MIN VOL 46429B697   652,506 8,362 SH   SOLE   0 0 8,362
ISHARES TR MSCI USA QLT FCT 46432F339   6,478,119 44,027 SH   SOLE   0 0 44,027
ISHARES TR NATIONAL MUN ETF 464288414   15,365,831 141,778 SH   SOLE   0 0 141,778
ISHARES TR RUS 1000 ETF 464287622   5,577,366 21,580 SH   SOLE   0 0 21,580
ISHARES TR RUS TP200 GR ETF 464289438   4,560,831 26,029 SH   SOLE   0 0 26,029
ISHARES TR RUSEL 2500 ETF 46435G268   227,042 3,642 SH   SOLE 1 0 0 3,642
ISHARES TR RUSSELL 2000 ETF 464287655   1,332,731 6,640 SH   SOLE   0 0 6,640
ISHARES TR S&P 100 ETF 464287101   2,220,487 9,940 SH   SOLE   0 0 9,940
ISHARES TR S&P 500 GRWT ETF 464287309   1,791,379 23,853 SH   SOLE   0 0 23,853
ISHARES TR SHRT NAT MUN ETF 464288158   259,674 2,463 SH   SOLE   0 0 2,463
ISHARES TR SP SMCP600VL ETF 464287879   6,325,736 61,373 SH   SOLE   0 0 61,373
ISHARES TR TIPS BD ETF 464287176   4,086,397 38,148 SH   SOLE   0 0 38,148
ISHARES TR TRS FLT RT BD 46434V860   4,337,240 85,937 SH   SOLE   0 0 85,937
ISHARES TR U S EQUITY FACTR 46434V282   98,059,290 2,030,640 SH   SOLE   0 0 2,030,640
ISHARES TR U.S. TECH ETF 464287721   2,710,019 22,078 SH   SOLE   0 0 22,078
ISHARES TR US INFRASTRUC 46435U713   656,200 16,295 SH   SOLE   0 0 16,295
ISHARES TR US TREAS BD ETF 46429B267   817,546 35,484 SH   SOLE   0 0 35,484
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,211,300 43,581 SH   SOLE   0 0 43,581
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   1,370,239 23,299 SH   SOLE   0 0 23,299
JOHN HANCOCK EXCHANGE TRADED MULTFCTR EMRNG 47804J834   412,539 16,223 SH   SOLE   0 0 16,223
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859   395,548 12,132 SH   SOLE   0 0 12,132
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   477,412 9,066 SH   SOLE   0 0 9,066
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842   212,948 5,823 SH   SOLE   0 0 5,823
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   16,656 679 SH   SOLE 1 0 0 679
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   6,288,938 321,442 SH   SOLE   0 0 321,442
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   63,213 1,708 SH   SOLE 1 0 0 1,708
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,772,905 211,473 SH   SOLE   0 0 211,473
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,704,435 37,751 SH   SOLE   0 0 37,751
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   6,046,209 150,855 SH   SOLE   0 0 150,855
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,732,289 191,712 SH   SOLE   0 0 191,712
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,455,638 47,392 SH   SOLE   0 0 47,392
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   754,927 13,345 SH   SOLE 1 0 0 13,345
SCHWAB STRATEGIC TR US REIT ETF 808524847   637,978 37,631 SH   SOLE   0 0 37,631
SCHWAB STRATEGIC TR US TIPS ETF 808524870   955,621 19,626 SH   SOLE   0 0 19,626
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   16,389,175 495,553 SH   SOLE   0 0 495,553
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   252,936 7,424 SH   SOLE 1 0 0 7,424
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   15,966,861 445,940 SH   SOLE   0 0 445,940
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,029,574 4,270 SH   SOLE   0 0 4,270
SPDR SER TR PORTFLI TIPS ETF 78464A656   2,375,982 93,582 SH   SOLE   0 0 93,582
SPDR SER TR PORTFOLI S&P1500 78464A805   26,945,004 480,995 SH   SOLE   0 0 480,995
SPDR SER TR PORTFOLIO AGRGTE 78464A649   23,751,156 941,625 SH   SOLE   0 0 941,625
SPDR SER TR PORTFOLIO AGRGTE 78464A649   38,507 1,496 SH   SOLE 1 0 0 1,496
SPDR SER TR PORTFOLIO S&P500 78464A854   98,666,966 1,765,062 SH   SOLE   0 0 1,765,062
SPDR SER TR PORTFOLIO S&P600 78468R853   2,867,481 67,982 SH   SOLE   0 0 67,982
SPDR SER TR PORTFOLIO SH TSR 78468R101   3,884,093 134,676 SH   SOLE   0 0 134,676
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,115,714 17,149 SH   SOLE   0 0 17,149
SPDR SER TR PRTFLO S&P500 VL 78464A508   6,231,723 133,642 SH   SOLE   0 0 133,642
SPDR SER TR S&P 400 MDCP VAL 78464A839   3,188,875 43,457 SH   SOLE   0 0 43,457
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   1,064,665 22,638 SH   SOLE   0 0 22,638
VANGUARD BD INDEX FDS INTERMED TERM 921937819   7,808,474 102,233 SH   SOLE   0 0 102,233
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   5,182,767 69,493 SH   SOLE   0 0 69,493
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   11,336,685 147,191 SH   SOLE   0 0 147,191
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,512,680 88,371 SH   SOLE   0 0 88,371
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   12,078,291 244,673 SH   SOLE   0 0 244,673
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   103,819,675 631,432 SH   SOLE   0 0 631,432
VANGUARD INDEX FDS GROWTH ETF 922908736   2,112,740 6,796 SH   SOLE   0 0 6,796
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,191,482 14,630 SH   SOLE   0 0 14,630
VANGUARD INDEX FDS MID CAP ETF 922908629   980,357 4,214 SH   SOLE   0 0 4,214
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   36,870,570 84,411 SH   SOLE   0 0 84,411
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,110,249 14,580 SH   SOLE   0 0 14,580
VANGUARD INDEX FDS TOTAL STK MKT 922908769   10,641,576 46,919 SH   SOLE   0 0 46,919
VANGUARD INDEX FDS VALUE ETF 922908744   2,757,229 18,443 SH   SOLE   0 0 18,443
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   20,006,716 487,915 SH   SOLE   0 0 487,915
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   101,359 1,982 SH   SOLE 1 0 0 1,982
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   19,701,138 385,918 SH   SOLE   0 0 385,918
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   5,507,163 118,791 SH   SOLE   0 0 118,791
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,866,978 49,151 SH   SOLE   0 0 49,151
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   20,129,646 92,789 SH   SOLE   0 0 92,789
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   10,123,145 124,823 SH   SOLE   0 0 124,823
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,783 58 SH   SOLE 1 0 0 58
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   49,001,736 1,026,190 SH   SOLE   0 0 1,026,190
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   599,496 9,404 SH   SOLE   0 0 9,404
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   483,358 4,330 SH   SOLE   0 0 4,330