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
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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
ISHARES TR CORE S&P TTL STK 464287150   102,009,520 969,396 SH   SOLE 0 969,396 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   71,592,513 1,376,779 SH   SOLE 0 1,376,779 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   44,377,885 260,434 SH   SOLE 0 260,434 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   41,614,570 811,596 SH   SOLE 0 811,596 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   27,239,601 725,229 SH   SOLE 0 725,229 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   23,041,392 196,716 SH   SOLE 0 196,716 0 0
ISHARES TR MSCI INTL MOMENT 46434V449   18,523,492 540,201 SH   SOLE 0 540,201 0 0
ISHARES TR CORE MSCI EAFE 46432F842   16,311,400 231,861 SH   SOLE 0 231,861 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   16,055,531 664,000 SH   SOLE 0 664,000 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   15,499,739 188,929 SH   SOLE 0 188,929 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   15,078,049 167,907 SH   SOLE 0 167,907 0 0
ISHARES TR 10+ YR INVST GRD 464289511   9,666,766 183,465 SH   SOLE 0 183,465 0 0
ISHARES TR US TREAS BD ETF 46429B267   9,497,019 412,197 SH   SOLE 0 412,197 0 0
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   7,745,332 153,312 SH   SOLE 0 153,312 0 0
ISHARES TR 20 YR TR BD ETF 464287432   7,296,326 73,790 SH   SOLE 0 73,790 0 0
ISHARES TR EAFE SML CP ETF 464288273   4,898,729 79,139 SH   SOLE 0 79,139 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   4,821,913 45,958 SH   SOLE 0 45,958 0 0
ISHARES INC CORE MSCI EMKT 46434G103   4,572,516 90,402 SH   SOLE 0 90,402 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,361,025 31,049 SH   SOLE 0 31,049 0 0
ISHARES TR INTERNATIONAL SL 46434V266   3,147,288 97,955 SH   SOLE 0 97,955 0 0
ISHARES TR ESG EAFE ETF 46436E759   2,983,260 46,701 SH   SOLE 0 46,701 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,582,970 25,764 SH   SOLE 0 25,764 0 0
ISHARES TR MSCI ACWI ETF 464288257   2,484,426 24,412 SH   SOLE 0 24,412 0 0
ISHARES TR ESG AWRE USD ETF 46435G193   2,157,245 92,705 SH   SOLE 0 92,705 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   2,123,297 86,736 SH   SOLE 0 86,736 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   1,939,377 31,035 SH   SOLE 0 31,035 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   1,876,974 24,993 SH   SOLE 0 24,993 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   1,865,997 44,197 SH   SOLE 0 44,197 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,582,399 9,100 SH   SOLE 0 9,100 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,388,733 55,750 SH   SOLE 0 55,750 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   1,363,691 34,877 SH   SOLE 0 34,877 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   1,288,882 52,055 SH   SOLE 0 52,055 0 0
ISHARES TR IBONDS 24 TRM TS 46436E874   1,265,582 53,042 SH   SOLE 0 53,042 0 0
ISHARES TR CORE TOTAL USD 46434V613   1,235,892 26,826 SH   SOLE 0 26,826 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   1,015,835 10,131 SH   SOLE 0 10,131 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866   949,568 40,789 SH   SOLE 0 40,789 0 0
ISHARES TR JPMORGAN USD EMG 464288281   836,184 9,389 SH   SOLE 0 9,389 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   785,066 15,509 SH   SOLE 0 15,509 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   724,368 6,691 SH   SOLE 0 6,691 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   521,855 5,414 SH   SOLE 0 5,414 0 0
NUSHARES ETF TR ESG HI TLD CRP 67092P854   420,022 19,963 SH   SOLE 0 19,963 0 0
ISHARES TR IBONDS 24 TRM HG 46435U184   419,265 18,064 SH   SOLE 0 18,064 0 0
ISHARES TR IBONDS 25 TRM HG 46435U168   358,489 15,519 SH   SOLE 0 15,519 0 0
ISHARES TR IBONDS 2026 TERM 46436E528   314,646 13,728 SH   SOLE 0 13,728 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   244,509 8,365 SH   SOLE 0 8,365 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   239,789 10,033 SH   SOLE 0 10,033 0 0