Chief Compliance Officer

0001089847-23-000007.txt : 20231109 0001089847-23-000007.hdr.sgml : 20231109 20231109140508 ACCESSION NUMBER: 0001089847-23-000007 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230930 FILED AS OF DATE: 20231109 DATE AS OF CHANGE: 20231109 EFFECTIVENESS DATE: 20231109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Betterment LLC CENTRAL INDEX KEY: 0001633901 IRS NUMBER: 800620933 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-16706 FILM NUMBER: 231391705 BUSINESS ADDRESS: STREET 1: 27 WEST 23RD STREET STREET 2: 6TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10010 BUSINESS PHONE: 212-228-1328 MAIL ADDRESS: STREET 1: 8 WEST 24TH STREET, 6TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10010 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false true false 0001633901 XXXXXXXX 09-30-2023 09-30-2023 Betterment LLC

8 WEST 24TH STREET, 6TH FLOOR NEW YORK NY 10010

13F HOLDINGS REPORT 028-16706 N Khaley Sestak Chief Compliance Officer 212-228-1328 Khaley Sestak New York NY 11-09-2023 0 296 31020741 false INFORMATION TABLE 2 bmt13fq32023.xml ISHARES TR TIPS BD ETF 464287176 1943 18735 SH SOLE 1943 0 0 VANGUARD INDEX FDS TOTAL STK MKT 922908769 6298461 29652373 SH SOLE 6298461 0 0 ISHARES TR S&P 500 VAL ETF 464287408 72960 474258 SH SOLE 72960 0 0 ISHARES TR RUS 1000 VAL ETF 464287598 537 3538 SH SOLE 537 0 0 ISHARES TR RUS MDCP VAL ETF 464287473 226750 2173187 SH SOLE 226750 0 0 ISHARES TR RUS 2000 VAL ETF 464287630 143507 1058701 SH SOLE 143507 0 0 ISHARES TR 1 3 YR TREAS BD 464287457 1428 17630 SH SOLE 1428 0 0 VANGUARD TAX MANAGED INTL FD VAN FTSE DEV MKT 921943858 4735356 108000000 SH SOLE 4735356 0 0 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3045014 77659118 SH SOLE 3045014 0 0 SPDR S&P 500 ETF TR TR UNIT 78462F103 1320 3089 SH SOLE 1320 0 0 ISHARES TR SHORT TREAS BD 464288679 279153 2526956 SH SOLE 279153 0 0 VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 104266 1494204 SH SOLE 104266 0 0 PIMCO ETF TR ENHAN SHRT MA AC 72201R833 235 2347 SH SOLE 235 0 0 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2956 39074 SH SOLE 2956 0 0 ISHARES TR CORE US AGGBD ET 464287226 867925 9229315 SH SOLE 867925 0 0 VANGUARD WHITEHALL FDS INC EM MK GOV BD ETF 921946885 126182 2132898 SH SOLE 126182 0 0 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1782529 37268002 SH SOLE 1782529 0 0 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 254021 5372686 SH SOLE 254021 0 0 ISHARES TR IBOXX INV CP ETF 464287242 13836 135621 SH SOLE 13836 0 0 ISHARES TR NATIONAL MUN ETF 464288414 1052176 10261126 SH SOLE 1052176 0 0 ISHARES TR CALIF MUN BD ETF 464288356 6274 114413 SH SOLE 6274 0 0 ISHARES TR NEW YORK MUN ETF 464288323 5825 114151 SH SOLE 5825 0 0 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 500 11305 SH SOLE 500 0 0 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2869 37756 SH SOLE 2869 0 0 SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 361 11476 SH SOLE 361 0 0 SPDR SERIES TRUST NUVEEN BLMBRG MU 78468R721 225273 5154992 SH SOLE 225273 0 0 ISHARES TR JPMORGAN USD EMG 464288281 844098 10229007 SH SOLE 844098 0 0 Invesco EMRNG MKT SVRG 46138E784 4939 270338 SH SOLE 4939 0 0 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 335750 6735205 SH SOLE 335750 0 0 ISHARES TR CORE S&P TTL STK 464287150 1252082 13293148 SH SOLE 1252082 0 0 VANGUARD INDEX FDS VALUE ETF 922908744 1754714 12721775 SH SOLE 1754714 0 0 SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 120715 1872715 SH SOLE 120715 0 0 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1400405 10693378 SH SOLE 1400405 0 0 ISHARES TR S&P MC 400VL ETF 464287705 6689 66272 SH SOLE 6689 0 0 VANGUARD INDEX FDS SM CP VAL ETF 922908611 1275812 7999321 SH SOLE 1275812 0 0 ISHARES TR SP SMCP600VL ETF 464287879 374 4189 SH SOLE 374 0 0 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 498686 14684524 SH SOLE 498686 0 0 ISHARES TR CORE MSCI EAFE 46432F842 791209 12295402 SH SOLE 791209 0 0 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2259 94350 SH SOLE 2259 0 0 ISHARES INC CORE MSCI EMKT 46434G103 476061 10003390 SH SOLE 476061 0 0 VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 2054 13219 SH SOLE 2054 0 0 SCHWAB STRATEGIC TR DIV APP ETF 808524870 1077 21337 SH SOLE 1077 0 0 VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 3710 95310 SH SOLE 3710 0 0 ISHARES TR CORE S&P500 ETF 464287200 7212 16795 SH SOLE 7212 0 0 SCHWAB STRATEGIC TR US REIT ETF 808524847 9077 511366 SH SOLE 9077 0 0 Invesco UNIT SER 1 46090E103 12115 33815 SH SOLE 12115 0 0 VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 10295 153515 SH SOLE 10295 0 0 ISHARES TR RUSSELL 2000 ETF 464287655 411 2327 SH SOLE 411 0 0 ISHARES CORE LT USDB ETF 464289479 687 14546 SH SOLE 687 0 0 ISHARES TR 7-10 YR TRSY BD 464287440 7168 78264 SH SOLE 7168 0 0 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1275 17529 SH SOLE 1275 0 0 VANGUARD INDEX FDS SMALL CP ETF 922908751 25212 133346 SH SOLE 25212 0 0 VANGUARD INDEX FDS MID CAP ETF 922908629 889 4267 SH SOLE 889 0 0 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 93508 238116 SH SOLE 93508 0 0 ISHARES TR CORE S&P MCP ETF 464287507 1446 5799 SH SOLE 1446 0 0 FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101 1094 41416 SH SOLE 1094 0 0 ISHARES TR RUSSELL 3000 ETF 464287689 685 2795 SH SOLE 685 0 0 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1209 17081 SH SOLE 1209 0 0 VANGUARD INDEX FDS GROWTH ETF 922908736 51550 189305 SH SOLE 51550 0 0 ISHARES TR CORE S&P US GWT 464287671 403 4245 SH SOLE 403 0 0 ISHARES TR CORE S&P SCP ETF 464287804 1614 17106 SH SOLE 1614 0 0 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 290 7009 SH SOLE 290 0 0 ISHARES TR S&P 500 GRWT ETF 464287309 575 8411 SH SOLE 575 0 0 VANGUARD STAR FD VG TL INTL STK F 921909768 1473 27520 SH SOLE 1473 0 0 SELECT SECTOR SPDR TR ENERGY 81369Y506 1105 12230 SH SOLE 1105 0 0 VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1244 14235 SH SOLE 1244 0 0 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8331 164652 SH SOLE 8331 0 0 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 239 3536 SH SOLE 239 0 0 DBX ETF TR XTRACK HRVST CSI 233051879 277 10644 SH SOLE 277 0 0 SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 1169 12733 SH SOLE 1169 0 0 ISHARES GOLD TRUST ISHARES NEW 464285204 283 8079 SH SOLE 283 0 0 SPDR GOLD TRUST GOLD SHS 78463V107 1099 6409 SH SOLE 1099 0 0 Invesco GBL LISTED PVT 46137V118 620 12003 SH SOLE 620 0 0 INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 966 32177 SH SOLE 966 0 0 WISDOMTREE TR FUTRE STRAT FD 97717W125 3149 89422 SH SOLE 3149 0 0 ISHARES TR MSCI EAFE ETF 464287465 926 13437 SH SOLE 926 0 0 VANGUARD BD INDEX FD INC INTERMED TERM 921937819 12175 168371 SH SOLE 12175 0 0 ETFS GOLD TR PHYSCL GOLD SHS 00326A104 469 26492 SH SOLE 469 0 0 VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1969 19062 SH SOLE 1969 0 0 ISHARES TR MSCI AC ASIA ETF 464288182 465 7330 SH SOLE 465 0 0 PIMCO ETF TR ACTIVE BD ETF 72201R775 605 6883 SH SOLE 605 0 0 VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 23005 306035 SH SOLE 23005 0 0 ISHARES TR ISHS 5-10YR INVT 464288638 228 4677 SH SOLE 228 0 0 ISHARES TR ISHS 1-5YR INVS 464288646 4520 90700 SH SOLE 4520 0 0 ISHARES TR EAFE VALUE ETF 464288877 1015 20739 SH SOLE 1015 0 0 WISDOMTREE TR EMG MKTS SMCAP 97717W281 951 20568 SH SOLE 951 0 0 ISHARES TR PFD AND INCM SEC 464288687 970 32167 SH SOLE 970 0 0 ISHARES TR MBS ETF 464288588 13808 155490 SH SOLE 13808 0 0 VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 812 16557 SH SOLE 812 0 0 ISHARES TR 10-20 YR TRS ETF 464288653 460 4676 SH SOLE 460 0 0 ISHARES TR 20 YR TR BD ETF 464287432 2893 32624 SH SOLE 2893 0 0 VANGUARD BD INDEX FD INC LONG TERM TREAS 92206C847 3677 66241 SH SOLE 3677 0 0 SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 361 13796 SH SOLE 361 0 0 ISHARES TR 3 7 YR TREAS BD 464288661 263 2327 SH SOLE 263 0 0 CAMBRIA ETF TR VALUE MOMENTUM 132061888 2674 100390 SH SOLE 2674 0 0 CAMBRIA ETF TR GLOBAL VALUE ETF 132061409 2238 116513 SH SOLE 2238 0 0 CAMBRIA ETF TR GLB MOMENT ETF 132061508 11516 427303 SH SOLE 11516 0 0 CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 2031 32834 SH SOLE 2031 0 0 CAMBRIA ETF TR CAMBRIA FGN SHR 132061300 1063 44314 SH SOLE 1063 0 0 CAMBRIA ETF TR EMRG SHAREHLDR 132061706 1023 35679 SH SOLE 1023 0 0 Invesco OPTIMUM YIELD 46090F100 471 31498 SH SOLE 471 0 0 WISDOMTREE TR WISDOMTREE US VA 97717W547 245 3967 SH SOLE 245 0 0 VANGUARD BD INDEX FD INC TAX EXEMPT BD 922907746 1037 21559 SH SOLE 1037 0 0 VANECK VECTORS TR JP MRGAN EM LOC 92189H300 1003 42008 SH SOLE 1003 0 0 VANGUARD INDEX FDS 500 GRTH IDX F 921932505 5435 22020 SH SOLE 5435 0 0 VANGUARD INDEX FDS VNG RUS1000GRW 92206C680 249 3634 SH SOLE 249 0 0 VANGUARD INDEX FDS 500 VAL IDX FD 921932703 5507 37035 SH SOLE 5507 0 0 ISHARES TR CORE 1 5 YR USD 46432F859 1883 40599 SH SOLE 1883 0 0 ISHARES TR INTRM GOV CR ETF 464288612 1580 15594 SH SOLE 1580 0 0 VANGUARD BD INDEX FD INC MTG-BKD SECS ETF 92206C771 10020 228867 SH SOLE 10020 0 0 ISHARES TR CORE INTL AGGR 46435G672 1181 24217 SH SOLE 1181 0 0 Goldman Sachs ACTIVEBETA US LG 381430503 285638 3391165 SH SOLE 285638 0 0 Goldman Sachs ACTIVEBETA INT 381430107 146716 4885657 SH SOLE 146716 0 0 Goldman Sachs ACTIVEBETA EME 381430206 39337 1372071 SH SOLE 39337 0 0 ISHARES TR IBOXX HI YD ETF 464288513 277 3753 SH SOLE 277 0 0 VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 244 3410 SH SOLE 244 0 0 ISHARES TR RUS 1000 ETF 464287622 365 1555 SH SOLE 365 0 0 VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 487 4588 SH SOLE 487 0 0 ISHARES TR USD INV GRDE ETF 464288620 410 8524 SH SOLE 410 0 0 SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 494 5465 SH SOLE 494 0 0 ISHARES TR 10+ YR INVST GRD 464289511 239 5072 SH SOLE 239 0 0 SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1083 34207 SH SOLE 1083 0 0 Vanguard SML CP GRW ETF 922908595 3691 17231 SH SOLE 3691 0 0 Vanguard CONSUM STP ETF 92204A207 917 5020 SH SOLE 917 0 0 Vanguard ALLWRLD EX US 922042775 1008 19424 SH SOLE 1008 0 0 Vanguard HEALTH CAR ETF 92204A504 738 3139 SH SOLE 738 0 0 Vanguard VNG RUS1000IDX 92206C730 413 2123 SH SOLE 413 0 0 Vanguard MCAP GR IDXVIP 922908538 9059 46512 SH SOLE 9059 0 0 Vanguard TT WRLD ST ETF 922042742 1722 18476 SH SOLE 1722 0 0 Vanguard EXTEND MKT ETF 922908652 854 5955 SH SOLE 854 0 0 APPLE INC COM 037833100 575 3358 SH SOLE 575 0 0 iShares S&P MC 400GR ETF 464287606 343 4743 SH SOLE 343 0 0 iShares RUS 1000 GRW ETF 464287614 721 2711 SH SOLE 721 0 0 iShares RUS 2000 GRW ETF 464287648 663 2960 SH SOLE 663 0 0 iShares ISHARES 46428Q109 388 19071 SH SOLE 388 0 0 iShares MSCI USA MIN VOL 46429B697 751 10370 SH SOLE 751 0 0 iShares 0-5 YR TIPS ETF 46429B747 259569 2678176 SH SOLE 259569 0 0 iShares CORE MSCI TOTAL 46432F834 1185 19760 SH SOLE 1185 0 0 iShares 0-5YR HI YL CP 46434V407 5839 142315 SH SOLE 5839 0 0 Invesco S&P500 EQL WGT 46137V357 245 1729 SH SOLE 245 0 0 Health SBI HEALTHCARE 81369Y209 332 2576 SH SOLE 332 0 0 Vanguard MEGA GRWTH IND 921910816 678 2986 SH SOLE 678 0 0 Vanguard SHRT TRM CORP BD 92206C409 2755 36657 SH SOLE 2755 0 0 Vanguard INTER TERM TREAS 92206C706 598 10456 SH SOLE 598 0 0 Schwab SCHWAB FDT US LG 808524771 352 6292 SH SOLE 352 0 0 Schwab SCHWAB FDT US SC 808524763 1301 26825 SH SOLE 1301 0 0 Schwab SCHWB FDT EMK LG 808524730 662 25237 SH SOLE 662 0 0 MICROSOFT CORP COM 594918104 224 711 SH SOLE 224 0 0 Goldman Sachs ACCES TREASURY 381430529 532909 5323233 SH SOLE 532909 0 0 iShares RUS MID CAP ETF 464287499 230 3318 SH SOLE 230 0 0 iShares RUS MD CP GR ETF 464287481 215 2352 SH SOLE 215 0 0 SPDR State Street Global Advisors SBI INT-UTILS 81369Y886 221 3755 SH SOLE 221 0 0 iShares FLTG RATE NT ETF 46429B655 13762 270434 SH SOLE 13762 0 0 iShares MSCI USA QLT FCT 46432F339 2251 17082 SH SOLE 2251 0 0 iShares US TREAS BD ETF 46429B267 484 21977 SH SOLE 484 0 0 iShares U.S. TECH ETF 464287721 301 2871 SH SOLE 301 0 0 SPDR State Street Global Advisors PORTFOLIO SHORT 78464A474 1077 36720 SH SOLE 1077 0 0 ProShares S&P 500 DV ARIST 74348A467 217 2452 SH SOLE 217 0 0 WisdomTree US MIDCAP DIVID 97717W505 531 12954 SH SOLE 531 0 0 iShares MSCI USA VALUE 46432F388 402 4426 SH SOLE 402 0 0 iShares EAFE GRWTH ETF 464288885 910 10539 SH SOLE 910 0 0 iShares MSCI USA MMENTM 46432F396 2910 20833 SH SOLE 2910 0 0 iShares BLACKROCK ST MAT 46431W507 3522 70595 SH SOLE 3522 0 0 iShares MSCI ACWI EX US 464288240 295 6275 SH SOLE 295 0 0 Vanguard SHORT TERM TREAS 92206C102 2804 48679 SH SOLE 2804 0 0 Vanguard MEGA CAP VAL ETF 921910840 228 2246 SH SOLE 228 0 0 Schwab ETFs SHT TM US TRES 808524862 287 5988 SH SOLE 287 0 0 iShares SHRT NAT MUN ETF 464288158 702 6828 SH SOLE 702 0 0 iShares CORE S&P US VLU 464287663 275 3681 SH SOLE 275 0 0 iShares CORE DIV GRWTH 46434V621 434 8763 SH SOLE 434 0 0 Van Eck OIL SERVICES ETF 92189H607 608 1763 SH SOLE 608 0 0 WisdomTree INTL SMCAP DIV 97717W760 700 12174 SH SOLE 700 0 0 Invesco FTSE RAFI DEV 46138E743 364 8360 SH SOLE 364 0 0 SPDR State Street Global Advisors S&P 600 SMCP VAL 78464A300 8149 112599 SH SOLE 8149 0 0 Van Eck MRNGSTR WDE MOAT 92189F643 351 4628 SH SOLE 351 0 0 SPDR State Street Global Advisors BLOOMBERG INVT 78468R200 210 6827 SH SOLE 210 0 0 Vanguard MIDCP 400 GRTH 921932869 846 9368 SH SOLE 846 0 0 iShares CORE TOTAL USD 46434V613 962 22011 SH SOLE 962 0 0 Schwab ETFs INT-TRM U.S TRES 808524854 305 6361 SH SOLE 305 0 0 Invesco S&P 500 HB ETF 46138E370 263 3749 SH SOLE 263 0 0 iShares RUS TP200 GR ETF 464289438 720 4678 SH SOLE 720 0 0 SPDR State Street Global Advisors PORTFOLIO DEVLPD 78463X889 2524 81380 SH SOLE 2524 0 0 iShares MSCI KLD400 SOC 464288570 43393 533024 SH SOLE 43393 0 0 SPDR State Street Global Advisors PRTFLO S&P500 GW 78464A409 1011 17058 SH SOLE 1011 0 0 Van Eck FALLEN ANGEL HG 92189F437 2187 80825 SH SOLE 2187 0 0 First Trust FIRST TR ENH NEW 33739Q408 1578 26557 SH SOLE 1578 0 0 SPDR State Street Global Advisors NUVEEN BLOOMBERG 78464A284 1077 45210 SH SOLE 1077 0 0 iShares MSCI USA ESG SLC 464288802 19712 219093 SH SOLE 19712 0 0 WisdomTree US SMALLCAP FUND 97717W562 339 7836 SH SOLE 339 0 0 SPDR State Street Global Advisors PORTFOLI S&P1500 78464A805 373 7098 SH SOLE 373 0 0 iShares MSCI LW CRB TG 46434V464 186498 1241248 SH SOLE 186498 0 0 iShares GLOBAL REIT ETF 46434V647 267 12615 SH SOLE 267 0 0 SPDR State Street Global Advisors PRTFLO S&P500 VL 78464A508 117341 2843933 SH SOLE 117341 0 0 SPDR State Street Global Advisors PORTFOLIO EMG MK 78463X509 22533 671232 SH SOLE 22533 0 0 Vanguard INTL HIGH ETF 921946794 755 12196 SH SOLE 755 0 0 SPDR State Street Global Advisors SPDR MSCI USA GE 78468R747 3025 35588 SH SOLE 3025 0 0 Vanguard INTL DVD ETF 921946810 5234 73384 SH SOLE 5234 0 0 iShares JP MRGN EM HI BD 464286285 2307 67772 SH SOLE 2307 0 0 John Hancock MULTIFACTOR MI 47804J206 667 14089 SH SOLE 667 0 0 SPDR State Street Global Advisors PORTFOLIO S&P500 78464A854 2275 45270 SH SOLE 2275 0 0 WisdomTree US LARGECAP FUND 97717W588 1275 27860 SH SOLE 1275 0 0 SPDR State Street Global Advisors SPDR S&P 500 ETF 78468R796 72534 2088510 SH SOLE 72534 0 0 Legg Mason FRANKLIN US LOW 52468L406 370 10916 SH SOLE 370 0 0 WisdomTree YIELD ENHANCD US 97717X511 748 18022 SH SOLE 748 0 0 First Trust RISNG DIVD ACHIV 33738R506 924 20109 SH SOLE 924 0 0 SPDR State Street Global Advisors MSCI EAFE STRTGC 78463X434 420 6271 SH SOLE 420 0 0 iShares ESG AW MSCI EAFE 46435G516 257124 3719424 SH SOLE 257124 0 0 iShares CRE U S REIT ETF 464288521 457 9695 SH SOLE 457 0 0 First Trust Exchange-Traded Fund VIII TCW OPPORTUNIS 33740F805 2600 61806 SH SOLE 2600 0 0 EA Series Trust US QUAN VALUE 02072L102 545 14692 SH SOLE 545 0 0 EA Series Trust INTL QUAN VALUE 02072L201 395 16728 SH SOLE 395 0 0 iShares ESG AWR MSCI EM 46434G863 79761 2634129 SH SOLE 79761 0 0 SPDR State Street Global Advisors MSCI EAFE FS ETF 78470E106 41864 1180270 SH SOLE 41864 0 0 EA Series Trust INTL QUAN MOMNTM 02072L300 344 14012 SH SOLE 344 0 0 iShares MSCI INTL QUALTY 46434V456 1772 52729 SH SOLE 1772 0 0 iShares MSCI INTL MOMENT 46434V449 1450 46054 SH SOLE 1450 0 0 Ark ETF Trust NEXT GNRTN INTER 00214Q401 1012 18678 SH SOLE 1012 0 0 iShares TRS FLT RT BD 46434V860 7013 138220 SH SOLE 7013 0 0 Ark ETF Trust INNOVATION ETF 00214Q104 904 22799 SH SOLE 904 0 0 ProShares PRIV EQTY-LSTD 74348A533 225 8608 SH SOLE 225 0 0 iShares FALN ANGLS USD 46435G474 5504 221936 SH SOLE 5504 0 0 Pacer US CASH COWS 100 69374H881 703 14227 SH SOLE 703 0 0 iShares ESG AWR MSCI USA 46435G425 240882 2565032 SH SOLE 240882 0 0 SPDR State Street Global Advisors MSCI EMR MKT ETF 78470E205 25538 880927 SH SOLE 25538 0 0 Invesco S&P INTL MOMNT 46138E222 289 8713 SH SOLE 289 0 0 WisdomTree EM EX ST-OWNED 97717X578 3879 145450 SH SOLE 3879 0 0 Invesco S&P 500 MOMNTM 46138E339 283 4932 SH SOLE 283 0 0 WisdomTree FLOATNG RAT TREA 97717Y527 241 4798 SH SOLE 241 0 0 Goldman Sachs ACTIVEBETA US 381430602 36035 645205 SH SOLE 36035 0 0 Goldman Sachs ACCESS INVT GR 381430479 19349 447795 SH SOLE 19349 0 0 XTRACKERS XTRACK USD HIGH 233051432 6737 198735 SH SOLE 6737 0 0 ISHARES BROAD USD HIGH 46435U853 2443 70385 SH SOLE 2443 0 0 GraniteShares BBG COMMD K 1 38747R108 9873 457303 SH SOLE 9873 0 0 SPDR State Street Global Advisors SPDR GLD MINIS 98149E303 385 10494 SH SOLE 385 0 0 JP Morgan ULTRA SHRT INC 46641Q837 184386 3674486 SH SOLE 184386 0 0 Goldman Sachs ACCESS INFLATI 381430362 4465 94420 SH SOLE 4465 0 0 iShares ESG AWR US AGRGT 46435U549 17908 395313 SH SOLE 17908 0 0 AVANTIS INTL INTL SMCP VLU 025072802 983 16992 SH SOLE 983 0 0 Avantis US SML CP VALU 025072877 2207 28310 SH SOLE 2207 0 0 Goldman Sachs ACCESS US AGRAT 38149W101 29513 742847 SH SOLE 29513 0 0 Impact Shares NAACP MINO ETF 45259A209 3052 98763 SH SOLE 3052 0 0 iShares USD GRN BOND ETF 46435U440 43998 974909 SH SOLE 43998 0 0 Dimensional Fund Advisors INTL CORE EQT MK 25434V203 14951 572609 SH SOLE 14951 0 0 Dimensional Fund Advisors EMGR CRE EQT MNG 25434V302 5140 227732 SH SOLE 5140 0 0 Dimensional Fund Advisors US CORE EQT MKT 25434V104 32096 1071665 SH SOLE 32096 0 0 Cambria Funds GBL REAL EST ETF 132061813 870 37951 SH SOLE 870 0 0 ISHARES ESG AWRE USD ETF 46435G193 13050 599715 SH SOLE 13050 0 0 iShares ESG ADV TTL USD 46436E619 1679 41096 SH SOLE 1679 0 0 iShares ESG AWRE 1 5 YR 46435G243 288 12119 SH SOLE 288 0 0 iShares ESG EAFE ETF 46436E759 381 6666 SH SOLE 381 0 0 Vanguard ESG INTL STK ETF 921910725 609 12067 SH SOLE 609 0 0 iShares ESG MSCI USA ETF 46436E767 357 10303 SH SOLE 357 0 0 BlackRock Fund Advisors ESG AWARE MSCI 46435U663 14924 443495 SH SOLE 14924 0 0 VANGUARD ESG US STK ETF 921910733 29198 388173 SH SOLE 29198 0 0 INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 555 3767 SH SOLE 555 0 0 State Street Global Advisors Inc S&P KENSHO NEW 78468R648 52691 1330250 SH SOLE 52691 0 0 PACER FDS TR PACER US SMALL 69374H857 235 5630 SH SOLE 235 0 0 Dimensional US SMALL CAP ETF 25434V500 450 8579 SH SOLE 450 0 0 Dimensional US TARGETED VLU 25434V609 3321 72683 SH SOLE 3321 0 0 Dimensional US EQUITY ETF 25434V401 1037 22274 SH SOLE 1037 0 0 Dimensional US CORE EQUITY 2 25434V708 29788 1136936 SH SOLE 29788 0 0 AMERICAN CENTY ETF TR US EQT ETF 025072885 1214 16574 SH SOLE 1214 0 0 J P MORGAN EXCHANGE TRADED EQUITY PREMIUM 46641Q332 396 7401 SH SOLE 396 0 0 ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 406 19084 SH SOLE 406 0 0 Western Asset Management Co 0-3 MNTH TREASRY 46436E718 2878 28586 SH SOLE 2878 0 0 VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 11003 223686 SH SOLE 11003 0 0 INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 243 6974 SH SOLE 243 0 0 INNOVATOR ETFS TR US EQTY PWR BUF 45782C417 627 20594 SH SOLE 627 0 0 Innovator Capital Management LLC US EQTY PWR BUF 45782C797 408 12028 SH SOLE 408 0 0 Innovator Capital Management LLC US EQTY BUF OCT 45782C771 275 7733 SH SOLE 275 0 0 INNOVATOR ETFS TR US EQTY PWR BUF 45782C813 267 7919 SH SOLE 267 0 0 J P MORGAN EXCHANGE TRADED SHORT DURA CORE 46641Q274 216 4766 SH SOLE 216 0 0 Innovator Capital Management LLC US EQTY ULTRA B 45782C821 720 23581 SH SOLE 720 0 0 INNOVATOR ETFS TR US EQTY PWR BUF 45782C748 296 9454 SH SOLE 296 0 0 Engine No. 1 TRANSFRM 500 ETF 29287L106 48162 965567 SH SOLE 48162 0 0 Dimensional Fund Advisors LP INTERNATNAL VAL 25434V807 1363 41771 SH SOLE 1363 0 0 Dimensional Fund Advisors LP WORLD EX US CORE 25434V880 5091 226047 SH SOLE 5091 0 0 Exchange Traded Concepts LLC BITWISE CRYPTO 301505624 732 109289 SH SOLE 732 0 0 Simplify Asset Management Inc US EQT PLS UPSID 82889N301 223 7652 SH SOLE 223 0 0 Proshare Capital Management LLC BITCOIN STRATE 74347G440 336 24364 SH SOLE 336 0 0 Dimensional Fund Advisors LP CORE FIXED INCOM 25434V872 8649 214251 SH SOLE 8649 0 0 Dimensional Fund Advisors LP SHORT DURATION F 25434V864 2895 62422 SH SOLE 2895 0 0 Dimensional Fund Advisors LP NATL MUN BD ETF 25434V849 253 5438 SH SOLE 253 0 0 Dimensional Fund Advisors LP US HIGH PROFITAB 25434V831 641 24955 SH SOLE 641 0 0 Dimensional Fund Advisors LP US REAL ESTATE E 25434V823 1408 72142 SH SOLE 1408 0 0 Dimensional Fund Advisors LP INTL SMALL CAP E 25434V773 1117 50925 SH SOLE 1117 0 0 Dimensional Fund Advisors LP INTL SMALL CAP V 25434V781 370 15564 SH SOLE 370 0 0 Dimensional Fund Advisors LP INTL HIGH PROFIT 25434V765 260 11207 SH SOLE 260 0 0 Dimensional Fund Advisors LP INTL CORE EQUITY 25434V799 6058 259442 SH SOLE 6058 0 0 Dimensional Fund Advisors LP US MKTWIDE VALUE 25434V724 355 10421 SH SOLE 355 0 0 Dimensional Fund Advisors LP EMERGING MKTS CO 25434V732 2600 111555 SH SOLE 2600 0 0 Dimensional Fund Advisors LP EMERGING MKTS VA 25434V740 697 29437 SH SOLE 697 0 0 Dimensional Fund Advisors LP EMERGING MKTS HI 25434V757 518 22851 SH SOLE 518 0 0 Goldman Sachs Asset Management LP ACCESS EMNG MKTS 381430388 9919 259193 SH SOLE 9919 0 0 Dimensional Fund Advisors LP US SMALL CAP VAL 25434V815 1008 39767 SH SOLE 1008 0 0 Dimensional Fund Advisors LP US LARGE CAP VAL 25434V666 256 10338 SH SOLE 256 0 0