0001633901-23-000004.txt : 20230807 0001633901-23-000004.hdr.sgml : 20230807 20230807113353 ACCESSION NUMBER: 0001633901-23-000004 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230630 FILED AS OF DATE: 20230807 DATE AS OF CHANGE: 20230807 EFFECTIVENESS DATE: 20230807 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: 231146262 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 06-30-2023 06-30-2023 Betterment LLC

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

13F HOLDINGS REPORT 028-16706 N Khaley Sestak 212-228-1328 Khaley Sestak New York NY 08-07-2023 0 281 32274764 false INFORMATION TABLE 2 bmt13fq22023.xml ISHARES TR TIPS BD ETF 464287176 2102 19532 SH SOLE 19532 0 0 VANGUARD INDEX FDS TOTAL STK MKT 922908769 6511746 29561221 SH SOLE 29561221 0 0 ISHARES TR S&P 500 VAL ETF 464287408 78174 484980 SH SOLE 484980 0 0 ISHARES TR RUS 1000 VAL ETF 464287598 345 2188 SH SOLE 2188 0 0 ISHARES TR RUS MDCP VAL ETF 464287473 239556 2180954 SH SOLE 2180954 0 0 ISHARES TR RUS 2000 VAL ETF 464287630 150915 1071841 SH SOLE 1071841 0 0 ISHARES TR 1 3 YR TREAS BD 464287457 1273 15699 SH SOLE 15699 0 0 VANGUARD TAX MANAGED INTL FD VAN FTSE DEV MKT 921943858 4862204 105288084 SH SOLE 105288084 0 0 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3054880 75095389 SH SOLE 75095389 0 0 SPDR S&P 500 ETF TR TR UNIT 78462F103 1179 2660 SH SOLE 2660 0 0 ISHARES TR SHORT TREAS BD 464288679 303198 2745119 SH SOLE 2745119 0 0 VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 106747 1468530 SH SOLE 1468530 0 0 PIMCO ETF TR ENHAN SHRT MA AC 72201R833 232 2323 SH SOLE 2323 0 0 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2985 35722 SH SOLE 35722 0 0 ISHARES TR CORE US AGGBD ET 464287226 854512 8723957 SH SOLE 8723957 0 0 VANGUARD WHITEHALL FDS INC EM MK GOV BD ETF 921946885 129446 2078791 SH SOLE 2078791 0 0 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1781111 36438445 SH SOLE 36438445 0 0 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 298832 6301814 SH SOLE 6301814 0 0 ISHARES TR IBOXX INV CP ETF 464287242 14048 129902 SH SOLE 129902 0 0 ISHARES TR NATIONAL MUN ETF 464288414 1050750 9844940 SH SOLE 9844940 0 0 ISHARES TR CALIF MUN BD ETF 464288356 5468 96019 SH SOLE 96019 0 0 ISHARES TR NEW YORK MUN ETF 464288323 5811 109115 SH SOLE 109115 0 0 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 325 7044 SH SOLE 7044 0 0 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2848 36036 SH SOLE 36036 0 0 SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 416 12949 SH SOLE 12949 0 0 SPDR SERIES TRUST NUVEEN BLMBRG MU 78468R721 270600 5862218 SH SOLE 5862218 0 0 ISHARES TR JPMORGAN USD EMG 464288281 865977 10006672 SH SOLE 10006672 0 0 Invesco EMRNG MKT SVRG 46138E784 5386 276372 SH SOLE 276372 0 0 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 356672 6898880 SH SOLE 6898880 0 0 ISHARES TR CORE S&P TTL STK 464287150 1311301 13402504 SH SOLE 13402504 0 0 VANGUARD INDEX FDS VALUE ETF 922908744 1774903 12490519 SH SOLE 12490519 0 0 SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 129067 1923785 SH SOLE 1923785 0 0 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1448129 10464869 SH SOLE 10464869 0 0 ISHARES TR S&P MC 400VL ETF 464287705 6953 64904 SH SOLE 64904 0 0 VANGUARD INDEX FDS SM CP VAL ETF 922908611 1309873 7919423 SH SOLE 7919423 0 0 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 538433 15103300 SH SOLE 15103300 0 0 ISHARES TR CORE MSCI EAFE 46432F842 819923 12147009 SH SOLE 12147009 0 0 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2461 99919 SH SOLE 99919 0 0 ISHARES INC CORE MSCI EMKT 46434G103 497177 10086772 SH SOLE 10086772 0 0 VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 2003 12332 SH SOLE 12332 0 0 SCHWAB STRATEGIC TR US TIPS ETF 808524870 1295 24693 SH SOLE 24693 0 0 VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 3794 94413 SH SOLE 94413 0 0 ISHARES TR CORE S&P500 ETF 464287200 4940 11084 SH SOLE 11084 0 0 SCHWAB STRATEGIC TR US REIT ETF 808524847 9263 474303 SH SOLE 474303 0 0 Invesco UNIT SER 1 46090E103 12377 33505 SH SOLE 33505 0 0 VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 10072 134435 SH SOLE 134435 0 0 ISHARES TR RUSSELL 2000 ETF 464287655 286 1527 SH SOLE 1527 0 0 ISHARES CORE LT USDB ETF 464289479 1215 23097 SH SOLE 23097 0 0 ISHARES TR 7-10 YR TRSY BD 464287440 11219 116135 SH SOLE 116135 0 0 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1368 18249 SH SOLE 18249 0 0 VANGUARD INDEX FDS SMALL CP ETF 922908751 25774 129590 SH SOLE 129590 0 0 VANGUARD INDEX FDS MID CAP ETF 922908629 504 2288 SH SOLE 2288 0 0 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 99730 244868 SH SOLE 244868 0 0 ISHARES TR CORE S&P MCP ETF 464287507 1205 4607 SH SOLE 4607 0 0 FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101 1107 41016 SH SOLE 41016 0 0 ISHARES TR RUSSELL 3000 ETF 464287689 655 2572 SH SOLE 2572 0 0 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1459 20095 SH SOLE 20095 0 0 VANGUARD INDEX FDS GROWTH ETF 922908736 51795 183048 SH SOLE 183048 0 0 ISHARES TR CORE S&P US GWT 464287671 353 3614 SH SOLE 3614 0 0 ISHARES TR CORE S&P SCP ETF 464287804 1206 12100 SH SOLE 12100 0 0 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 344 7843 SH SOLE 7843 0 0 ISHARES TR S&P 500 GRWT ETF 464287309 505 7171 SH SOLE 7171 0 0 VANGUARD STAR FD VG TL INTL STK F 921909768 1463 26091 SH SOLE 26091 0 0 SELECT SECTOR SPDR TR ENERGY 81369Y506 871 10732 SH SOLE 10732 0 0 VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1260 13709 SH SOLE 13709 0 0 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7914 151122 SH SOLE 151122 0 0 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 282 3966 SH SOLE 3966 0 0 DBX ETF TR XTRACK HRVST CSI 233051879 319 11918 SH SOLE 11918 0 0 SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 985 10731 SH SOLE 10731 0 0 ISHARES GOLD TRUST ISHARES NEW 464285204 275 7553 SH SOLE 7553 0 0 SPDR GOLD TRUST GOLD SHS 78463V107 828 4647 SH SOLE 4647 0 0 ISHARES MSCI GBL ETF NEW 46434G848 256 6328 SH SOLE 6328 0 0 Invesco GBL LISTED PVT 46137V589 1243 118151 SH SOLE 118151 0 0 INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 1732 58073 SH SOLE 58073 0 0 WISDOMTREE TR FUTRE STRAT FD 97717W125 3305 94445 SH SOLE 94445 0 0 ISHARES TR MSCI EAFE ETF 464287465 580 7995 SH SOLE 7995 0 0 VANGUARD BD INDEX FD INC INTERMED TERM 921937819 12804 170196 SH SOLE 170196 0 0 ETFS GOLD TR PHYSCL GOLD SHS 00326A104 510 27787 SH SOLE 27787 0 0 VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 2104 19838 SH SOLE 19838 0 0 ISHARES TR MSCI AC ASIA ETF 464288182 401 6028 SH SOLE 6028 0 0 PIMCO ETF TR ACTIVE BD ETF 72201R775 464 5069 SH SOLE 5069 0 0 VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 22228 294140 SH SOLE 294140 0 0 ISHARES TR ISHS 1-5YR INVS 464288646 5211 103873 SH SOLE 103873 0 0 ISHARES TR EAFE VALUE ETF 464288877 334 6832 SH SOLE 6832 0 0 WISDOMTREE TR EMG MKTS SMCAP 97717W281 814 17500 SH SOLE 17500 0 0 ISHARES TR PFD AND INCM SEC 464288687 1005 32495 SH SOLE 32495 0 0 ISHARES TR MBS ETF 464288588 18699 200487 SH SOLE 200487 0 0 MARKET VECTORS ETF TR HIGH YLD MUNIETF 92189H409 690 13446 SH SOLE 13446 0 0 ISHARES TR 10-20 YR TRS ETF 464288653 484 4370 SH SOLE 4370 0 0 ISHARES TR 20 YR TR BD ETF 464287432 2649 25731 SH SOLE 25731 0 0 VANGUARD BD INDEX FD INC LONG TERM TREAS 92206C847 3190 50208 SH SOLE 50208 0 0 SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 244 8171 SH SOLE 8171 0 0 ISHARES TR 3 7 YR TREAS BD 464288661 1029 8924 SH SOLE 8924 0 0 CAMBRIA ETF TR VALUE MOMENTUM 132061888 2666 103585 SH SOLE 103585 0 0 CAMBRIA ETF TR GLOBAL VALUE ETF 132061409 2398 119206 SH SOLE 119206 0 0 CAMBRIA ETF TR GLB MOMENT ETF 132061508 11843 427855 SH SOLE 427855 0 0 CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 2096 34267 SH SOLE 34267 0 0 CAMBRIA ETF TR CAMBRIA FGN SHR 132061300 1069 44524 SH SOLE 44524 0 0 CAMBRIA ETF TR EMRG SHAREHLDR 132061706 1014 36421 SH SOLE 36421 0 0 Invesco OPTIMUM YIELD 46090F100 447 32828 SH SOLE 32828 0 0 WISDOMTREE TR WISDOMTREE US VA 97717W547 256 4095 SH SOLE 4095 0 0 VANGUARD BD INDEX FD INC TAX EXEMPT BD 922907746 1340 26684 SH SOLE 26684 0 0 VANECK VECTORS TR JP MRGAN EM LOC 92189H300 1141 44649 SH SOLE 44649 0 0 VANGUARD INDEX FDS 500 GRTH IDX F 921932505 5512 21694 SH SOLE 21694 0 0 VANGUARD INDEX FDS 500 VAL IDX FD 921932703 5762 37007 SH SOLE 37007 0 0 ISHARES TR CORE 1 5 YR USD 46432F859 2027 43462 SH SOLE 43462 0 0 ISHARES TR INTRM GOV CR ETF 464288612 1099 10679 SH SOLE 10679 0 0 VANGUARD BD INDEX FD INC MTG-BKD SECS ETF 92206C771 10077 219119 SH SOLE 219119 0 0 ISHARES TR CORE INTL AGGR 46435G672 1132 22960 SH SOLE 22960 0 0 Goldman Sachs ACTIVEBETA US LG 381430503 287295 3290890 SH SOLE 3290890 0 0 Goldman Sachs ACTIVEBETA INT 381430107 142382 4541705 SH SOLE 4541705 0 0 Goldman Sachs ACTIVEBETA EME 381430206 37660 1259545 SH SOLE 1259545 0 0 ISHARES TR IBOXX HI YD ETF 464288513 220 2925 SH SOLE 2925 0 0 VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 384 4892 SH SOLE 4892 0 0 ISHARES TR RUS 1000 ETF 464287622 209 857 SH SOLE 857 0 0 VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 517 4680 SH SOLE 4680 0 0 ISHARES TR USD INV GRDE ETF 464288620 425 8482 SH SOLE 8482 0 0 SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 408 4429 SH SOLE 4429 0 0 ISHARES TR 10+ YR INVST GRD 464289511 312 6046 SH SOLE 6046 0 0 SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 754 23337 SH SOLE 23337 0 0 Vanguard SML CP GRW ETF 922908595 3752 16332 SH SOLE 16332 0 0 Vanguard CONSUM STP ETF 92204A207 1003 5159 SH SOLE 5159 0 0 Vanguard ALLWRLD EX US 922042775 742 13629 SH SOLE 13629 0 0 Vanguard HEALTH CAR ETF 92204A504 202 825 SH SOLE 825 0 0 Vanguard VNG RUS1000IDX 92206C730 377 1869 SH SOLE 1869 0 0 Vanguard MCAP GR IDXVIP 922908538 9324 45312 SH SOLE 45312 0 0 Vanguard TT WRLD ST ETF 922042742 739 7624 SH SOLE 7624 0 0 Vanguard EXTEND MKT ETF 922908652 905 6081 SH SOLE 6081 0 0 iShares RUS 1000 GRW ETF 464287614 429 1560 SH SOLE 1560 0 0 iShares RUS 2000 GRW ETF 464287648 619 2550 SH SOLE 2550 0 0 iShares MSCI USA MIN VOL 46429B697 680 9150 SH SOLE 9150 0 0 iShares 0-5 YR TIPS ETF 46429B747 208419 2135441 SH SOLE 2135441 0 0 iShares CORE MSCI TOTAL 46432F834 1229 19624 SH SOLE 19624 0 0 iShares 0-5YR HI YL CP 46434V407 6364 153528 SH SOLE 153528 0 0 Invesco S&P500 EQL WGT 46137V357 505 3372 SH SOLE 3372 0 0 Vanguard MEGA GRWTH IND 921910816 645 2740 SH SOLE 2740 0 0 Vanguard SHRT TRM CORP BD 92206C409 2548 33677 SH SOLE 33677 0 0 Vanguard INTER TERM TREAS 92206C706 545 9285 SH SOLE 9285 0 0 Schwab SCHWAB FDT US SC 808524763 3253 64488 SH SOLE 64488 0 0 Schwab SCHWB FDT EMK LG 808524730 447 16713 SH SOLE 16713 0 0 Goldman Sachs ACCES TREASURY 381430529 512849 5124901 SH SOLE 5124901 0 0 iShares RUS MID CAP ETF 464287499 227 3109 SH SOLE 3109 0 0 SPDR State Street Global Advisors SBI INT-UTILS 81369Y886 236 3601 SH SOLE 3601 0 0 iShares FLTG RATE NT ETF 46429B655 14634 287949 SH SOLE 287949 0 0 iShares S&P 100 ETF 464287101 202 974 SH SOLE 974 0 0 Flexshares Trust MORNSTAR UPSTR 33939L407 274 6844 SH SOLE 6844 0 0 iShares MSCI USA QLT FCT 46432F339 1692 12545 SH SOLE 12545 0 0 iShares US TREAS BD ETF 46429B267 465 20289 SH SOLE 20289 0 0 iShares U.S. TECH ETF 464287721 307 2821 SH SOLE 2821 0 0 SPDR State Street Global Advisors PORTFOLIO SHORT 78464A474 283 9606 SH SOLE 9606 0 0 WisdomTree US MIDCAP DIVID 97717W505 530 12611 SH SOLE 12611 0 0 iShares MSCI USA VALUE 46432F388 410 4367 SH SOLE 4367 0 0 iShares EAFE GRWTH ETF 464288885 406 4258 SH SOLE 4258 0 0 SPDR State Street Global Advisors RL EST SEL SEC 81369Y860 220 5825 SH SOLE 5825 0 0 iShares MSCI USA MMENTM 46432F396 2621 18171 SH SOLE 18171 0 0 iShares BLACKROCK ST MAT 46431W507 4114 82746 SH SOLE 82746 0 0 Vanguard SHORT TERM TREAS 92206C102 2415 41837 SH SOLE 41837 0 0 Vanguard MEGA CAP VAL ETF 921910840 226 2181 SH SOLE 2181 0 0 Schwab ETFs SHT TM US TRES 808524862 279 5811 SH SOLE 5811 0 0 iShares SHRT NAT MUN ETF 464288158 382 3671 SH SOLE 3671 0 0 iShares CORE S&P US VLU 464287663 233 2980 SH SOLE 2980 0 0 iShares CORE DIV GRWTH 46434V621 419 8135 SH SOLE 8135 0 0 Van Eck OIL SERVICES ETF 92189H607 519 1803 SH SOLE 1803 0 0 WisdomTree INTL SMCAP DIV 97717W760 688 11564 SH SOLE 11564 0 0 Invesco FTSE RAFI DEV 46138E743 353 7843 SH SOLE 7843 0 0 SPDR State Street Global Advisors S&P 600 SMCP VAL 78464A300 11359 147152 SH SOLE 147152 0 0 Vanguard MIDCP 400 GRTH 921932869 872 9323 SH SOLE 9323 0 0 iShares CORE TOTAL USD 46434V613 562 12370 SH SOLE 12370 0 0 Schwab ETFs INT-TRM U.S TRES 808524854 288 5851 SH SOLE 5851 0 0 Invesco S&P 500 HB ETF 46138E370 281 3676 SH SOLE 3676 0 0 iShares RUS TP200 GR ETF 464289438 339 2135 SH SOLE 2135 0 0 SPDR State Street Global Advisors PORTFOLIO DEVLPD 78463X889 1976 60734 SH SOLE 60734 0 0 iShares MSCI KLD400 SOC 464288570 45469 540204 SH SOLE 540204 0 0 SPDR State Street Global Advisors PRTFLO S&P500 GW 78464A409 897 14698 SH SOLE 14698 0 0 Van Eck FALLEN ANGEL HG 92189F437 2085 75088 SH SOLE 75088 0 0 SPDR State Street Global Advisors NUVEEN BLOOMBERG 78464A284 398 15927 SH SOLE 15927 0 0 iShares MSCI USA ESG SLC 464288802 20836 222517 SH SOLE 222517 0 0 WisdomTree US SMALLCAP FUND 97717W562 343 7650 SH SOLE 7650 0 0 iShares MSCI LW CRB TG 46434V464 191052 1221639 SH SOLE 1221639 0 0 iShares GLOBAL REIT ETF 46434V647 210 9148 SH SOLE 9148 0 0 SPDR State Street Global Advisors PRTFLO S&P500 VL 78464A508 118748 2748797 SH SOLE 2748797 0 0 SPDR State Street Global Advisors PORTFOLIO EMG MK 78463X509 24914 724663 SH SOLE 724663 0 0 Vanguard INTL HIGH ETF 921946794 579 9155 SH SOLE 9155 0 0 SPDR State Street Global Advisors SPDR MSCI USA GE 78468R747 3129 35542 SH SOLE 35542 0 0 Vanguard INTL DVD ETF 921946810 5230 69647 SH SOLE 69647 0 0 iShares JP MRGN EM HI BD 464286285 3079 87641 SH SOLE 87641 0 0 John Hancock MULTIFACTOR MI 47804J206 580 11681 SH SOLE 11681 0 0 SPDR State Street Global Advisors PORTFOLIO S&P500 78464A854 1364 26172 SH SOLE 26172 0 0 WisdomTree US LARGECAP FUND 97717W588 1289 27603 SH SOLE 27603 0 0 SPDR State Street Global Advisors SPDR S&P 500 ETF 78468R796 75346 2083101 SH SOLE 2083101 0 0 Legg Mason FRANKLIN US LOW 52468L406 395 10764 SH SOLE 10764 0 0 WisdomTree YIELD ENHANCD US 97717X511 769 17846 SH SOLE 17846 0 0 iShares BLACKROCK ULTRA 46434V878 203 4029 SH SOLE 4029 0 0 First Trust RISNG DIVD ACHIV 33738R506 866 18397 SH SOLE 18397 0 0 SPDR State Street Global Advisors MSCI EAFE STRTGC 78463X434 367 5246 SH SOLE 5246 0 0 iShares ESG AW MSCI EAFE 46435G516 265539 3641006 SH SOLE 3641006 0 0 iShares CRE U S REIT ETF 464288521 348 6768 SH SOLE 6768 0 0 First Trust Exchange-Traded Fund VIII TCW OPPORTUNIS 33740F805 2310 52309 SH SOLE 52309 0 0 EA Series Trust US QUAN VALUE 02072L102 503 14525 SH SOLE 14525 0 0 EA Series Trust INTL QUAN VALUE 02072L201 387 16261 SH SOLE 16261 0 0 iShares ESG AWR MSCI EM 46434G863 80880 2557055 SH SOLE 2557055 0 0 SPDR State Street Global Advisors MSCI EAFE FS ETF 78470E106 43486 1155016 SH SOLE 1155016 0 0 EA Series Trust INTL QUAN MOMNTM 02072L300 354 13733 SH SOLE 13733 0 0 iShares MSCI INTL QUALTY 46434V456 1089 30597 SH SOLE 30597 0 0 iShares MSCI INTL MOMENT 46434V449 1301 39184 SH SOLE 39184 0 0 Ark ETF Trust NEXT GNRTN INTER 00214Q401 1229 20973 SH SOLE 20973 0 0 Ark ETF Trust INNOVATION ETF 00214Q104 1022 23163 SH SOLE 23163 0 0 ProShares PRIV EQTY-LSTD 74348A533 262 9470 SH SOLE 9470 0 0 iShares FALN ANGLS USD 46435G474 7070 278691 SH SOLE 278691 0 0 Pacer US CASH COWS 100 69374H881 629 13135 SH SOLE 13135 0 0 iShares ESG AWR MSCI USA 46435G425 250651 2571830 SH SOLE 2571830 0 0 SPDR State Street Global Advisors MSCI EMR MKT ETF 78470E205 25620 845555 SH SOLE 845555 0 0 Invesco S&P INTL MOMNT 46138E222 278 8431 SH SOLE 8431 0 0 WisdomTree EM EX ST-OWNED 97717X578 3861 138128 SH SOLE 138128 0 0 Invesco S&P 500 MOMNTM 46138E339 264 4724 SH SOLE 4724 0 0 Goldman Sachs ACTIVEBETA US 381430602 35109 608055 SH SOLE 608055 0 0 Goldman Sachs ACCESS INVT GR 381430479 18590 410732 SH SOLE 410732 0 0 XTRACKERS XTRACK USD HIGH 233051432 5863 169937 SH SOLE 169937 0 0 ISHARES BROAD USD HIGH 46435U853 2667 75549 SH SOLE 75549 0 0 GraniteShares BBG COMMD K 1 38747R108 8420 407769 SH SOLE 407769 0 0 SPDR State Street Global Advisors SPDR GLD MINIS 98149E303 445 11677 SH SOLE 11677 0 0 JP Morgan ULTRA SHRT INC 46641Q837 184485 3679388 SH SOLE 3679388 0 0 Goldman Sachs ACCESS INFLATI 381430362 4463 90904 SH SOLE 90904 0 0 iShares ESG AWR US AGRGT 46435U549 17788 377108 SH SOLE 377108 0 0 AVANTIS INTL INTL SMCP VLU 025072802 862 14979 SH SOLE 14979 0 0 Avantis US SML CP VALU 025072877 1907 24573 SH SOLE 24573 0 0 Goldman Sachs ACCESS US AGRAT 38149W101 27591 663726 SH SOLE 663726 0 0 Impact Shares NAACP MINO ETF 45259A209 3150 99534 SH SOLE 99534 0 0 iShares USD GRN BOND ETF 46435U440 43894 943138 SH SOLE 943138 0 0 Dimensional Fund Advisors INTL CORE EQT MK 25434V203 10884 398385 SH SOLE 398385 0 0 Dimensional Fund Advisors EMGR CRE EQT MNG 25434V302 4084 174076 SH SOLE 174076 0 0 Dimensional Fund Advisors US CORE EQT MKT 25434V104 24934 804568 SH SOLE 804568 0 0 Cambria Funds GBL REAL EST ETF 132061813 828 34571 SH SOLE 34571 0 0 ISHARES ESG AWRE USD ETF 46435G193 13235 582014 SH SOLE 582014 0 0 iShares ESG ADV TTL USD 46436E619 1764 41419 SH SOLE 41419 0 0 iShares ESG AWRE 1 5 YR 46435G243 290 12149 SH SOLE 12149 0 0 iShares ESG EAFE ETF 46436E759 400 6565 SH SOLE 6565 0 0 Vanguard ESG INTL STK ETF 921910725 625 11762 SH SOLE 11762 0 0 iShares ESG MSCI USA ETF 46436E767 376 10448 SH SOLE 10448 0 0 BlackRock Fund Advisors ESG AWARE MSCI 46435U663 15255 429472 SH SOLE 429472 0 0 VANGUARD ESG US STK ETF 921910733 30160 384937 SH SOLE 384937 0 0 INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 545 3583 SH SOLE 3583 0 0 State Street Global Advisors Inc S&P KENSHO NEW 78468R648 52418 1175296 SH SOLE 1175296 0 0 Dimensional US SMALL CAP ETF 25434V500 346 6317 SH SOLE 6317 0 0 Dimensional US TARGETED VLU 25434V609 1635 35240 SH SOLE 35240 0 0 Dimensional US EQUITY ETF 25434V401 789 16384 SH SOLE 16384 0 0 Dimensional US CORE EQUITY 2 25434V708 25265 930564 SH SOLE 930564 0 0 Invesco Capital Management LLC RUSL 1000 DYNM 46138J619 222 4527 SH SOLE 4527 0 0 AMERICAN CENTY ETF TR US EQT ETF 025072885 1049 13956 SH SOLE 13956 0 0 J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 384 6936 SH SOLE 6936 0 0 ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 389 17819 SH SOLE 17819 0 0 Western Asset Management Co 0-3 MNTH TREASRY 46436E718 3081 30622 SH SOLE 30622 0 0 VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 588 11962 SH SOLE 11962 0 0 INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 217 6192 SH SOLE 6192 0 0 INNOVATOR ETFS TR US EQTY PWR BUF 45782C417 637 20700 SH SOLE 20700 0 0 Innovator Capital Management LLC US EQTY PWR BUF 45782C797 381 11372 SH SOLE 11372 0 0 Innovator Capital Management LLC US EQTY BUF OCT 45782C771 283 7784 SH SOLE 7784 0 0 INNOVATOR ETFS TR US EQTY PWR BUF 45782C813 245 7155 SH SOLE 7155 0 0 J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 219 4789 SH SOLE 4789 0 0 Innovator Capital Management LLC US EQTY ULTRA B 45782C821 685 22929 SH SOLE 22929 0 0 INNOVATOR ETFS TR US EQTY PWR BUF 45782C748 304 9596 SH SOLE 9596 0 0 Engine No. 1 TRANSFRM 500 ETF 29287L106 49359 956579 SH SOLE 956579 0 0 Dimensional Fund Advisors LP INTERNATNAL VAL 25434V807 667 20318 SH SOLE 20318 0 0 Dimensional Fund Advisors LP WORLD EX US CORE 25434V880 5640 241951 SH SOLE 241951 0 0 Exchange Traded Concepts LLC BITWISE CRYPTO 301505624 1020 126742 SH SOLE 126742 0 0 Simplify Asset Management Inc US EQT PLS UPSID 82889N301 237 7710 SH SOLE 7710 0 0 Proshare Capital Management LLC BITCOIN STRATE 74347G440 350 20614 SH SOLE 20614 0 0 Dimensional Fund Advisors LP CORE FIXED INCOM 25434V872 6341 151958 SH SOLE 151958 0 0 Dimensional Fund Advisors LP SHORT DURATION F 25434V864 2078 44827 SH SOLE 44827 0 0 Dimensional Fund Advisors LP US HIGH PROFITAB 25434V831 638 24050 SH SOLE 24050 0 0 Dimensional Fund Advisors LP US REAL ESTATE E 25434V823 852 39607 SH SOLE 39607 0 0 Dimensional Fund Advisors LP INTL SMALL CAP E 25434V773 840 36804 SH SOLE 36804 0 0 Dimensional Fund Advisors LP INTL SMALL CAP V 25434V781 270 11405 SH SOLE 11405 0 0 Dimensional Fund Advisors LP INTL HIGH PROFIT 25434V765 249 10180 SH SOLE 10180 0 0 Dimensional Fund Advisors LP INTL CORE EQUITY 25434V799 3985 164197 SH SOLE 164197 0 0 Dimensional Fund Advisors LP US MKTWIDE VALUE 25434V724 302 8757 SH SOLE 8757 0 0 Dimensional Fund Advisors LP EMERGING MKTS CO 25434V732 1668 69343 SH SOLE 69343 0 0 Dimensional Fund Advisors LP EMERGING MKTS VA 25434V740 334 13713 SH SOLE 13713 0 0 Dimensional Fund Advisors LP EMERGING MKTS HI 25434V757 338 14230 SH SOLE 14230 0 0 Goldman Sachs Asset Management LP ACCESS EMNG MKTS 381430388 9362 233002 SH SOLE 233002 0 0 Dimensional Fund Advisors LP US SMALL CAP VAL 25434V815 819 31868 SH SOLE 31868 0 0