0001633901-24-000003.txt : 20240510 0001633901-24-000003.hdr.sgml : 20240510 20240510094126 ACCESSION NUMBER: 0001633901-24-000003 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20240331 FILED AS OF DATE: 20240510 DATE AS OF CHANGE: 20240510 EFFECTIVENESS DATE: 20240510 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Betterment LLC CENTRAL INDEX KEY: 0001633901 ORGANIZATION NAME: 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: 24933142 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 03-31-2024 03-31-2024 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 05-10-2024 0 352 35944163 false INFORMATION TABLE 2 13f2024q1.xml ISHARES TR TIPS BD ETF 464287176 2189 20381 SH SOLE 2189 0 0 VANGUARD INDEX FDS TOTAL STK MKT 922908769 7509119 28892340 SH SOLE 7509119 0 0 ISHARES TR S&P 500 VAL ETF 464287408 83416 446531 SH SOLE 83416 0 0 ISHARES TR RUS 1000 VAL ETF 464287598 587 3275 SH SOLE 587 0 0 ISHARES TR RUS MDCP VAL ETF 464287473 247986 1978662 SH SOLE 247986 0 0 ISHARES TR RUS 2000 VAL ETF 464287630 148170 933000 SH SOLE 148170 0 0 VANGUARD TAX MANAGED INTL FD VAN FTSE DEV MKT 921943858 5980590 119206500 SH SOLE 5980590 0 0 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2665936 63824180 SH SOLE 2665936 0 0 SPDR S&P 500 ETF TR TR UNIT 78462F103 3181 6081 SH SOLE 3181 0 0 ISHARES TR SHORT TREAS BD 464288679 193810 1753306 SH SOLE 193810 0 0 VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 100998 1390586 SH SOLE 100998 0 0 PIMCO ETF TR ENHAN SHRT MA AC 72201R833 281 2790 SH SOLE 281 0 0 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2698 31193 SH SOLE 2698 0 0 ISHARES TR CORE US AGGBD ET 464287226 1726103 17624085 SH SOLE 1726103 0 0 VANGUARD WHITEHALL FDS INC EM MK GOV BD ETF 921946885 134634 2108594 SH SOLE 134634 0 0 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1144124 23259278 SH SOLE 1144124 0 0 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 160109 3343267 SH SOLE 160109 0 0 ISHARES TR IBOXX INV CP ETF 464287242 14830 136153 SH SOLE 14830 0 0 ISHARES TR NATIONAL MUN ETF 464288414 1444538 13425077 SH SOLE 1444538 0 0 ISHARES TR CALIF MUN BD ETF 464288356 9395 163274 SH SOLE 9395 0 0 ISHARES TR NEW YORK MUN ETF 464288323 7133 132552 SH SOLE 7133 0 0 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1250 27181 SH SOLE 1250 0 0 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3294 40914 SH SOLE 3294 0 0 SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 285 8719 SH SOLE 285 0 0 SPDR SERIES TRUST NUVEEN BLMBRG MU 78468R721 327008 7035459 SH SOLE 327008 0 0 ISHARES TR JPMORGAN USD EMG 464288281 784514 8748905 SH SOLE 784514 0 0 Invesco EMRNG MKT SVRG 46138E784 2662 130126 SH SOLE 2662 0 0 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 385611 6316312 SH SOLE 385611 0 0 ISHARES TR CORE S&P TTL STK 464287150 1463550 12693409 SH SOLE 1463550 0 0 VANGUARD INDEX FDS VALUE ETF 922908744 1058594 6500026 SH SOLE 1058594 0 0 SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 129304 1701812 SH SOLE 129304 0 0 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 844129 5414204 SH SOLE 844129 0 0 ISHARES TR S&P MC 400VL ETF 464287705 3319 28061 SH SOLE 3319 0 0 VANGUARD INDEX FDS SM CP VAL ETF 922908611 817717 4261605 SH SOLE 817717 0 0 ISHARES TR SP SMCP600VL ETF 464287879 406 3948 SH SOLE 406 0 0 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 512366 13130843 SH SOLE 512366 0 0 ISHARES TR CORE MSCI EAFE 46432F842 864508 11647915 SH SOLE 864508 0 0 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2022 80077 SH SOLE 2022 0 0 ISHARES INC CORE MSCI EMKT 46434G103 487115 9440217 SH SOLE 487115 0 0 VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 14927 81741 SH SOLE 14927 0 0 SCHWAB STRATEGIC TR US TIPS ETF 808524870 993 19042 SH SOLE 993 0 0 VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4302 102085 SH SOLE 4302 0 0 ISHARES TR CORE S&P500 ETF 464287200 25579 48654 SH SOLE 25579 0 0 SCHWAB STRATEGIC TR US REIT ETF 808524847 11321 557708 SH SOLE 11321 0 0 Invesco UNIT SER 1 46090E103 15181 34191 SH SOLE 15181 0 0 VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 11513 159173 SH SOLE 11513 0 0 ISHARES TR RUSSELL 2000 ETF 464287655 1022 4859 SH SOLE 1022 0 0 ISHARES CORE LT USDB ETF 464289479 782 15307 SH SOLE 782 0 0 ISHARES TR 7-10 YR TRSY BD 464287440 5107 53952 SH SOLE 5107 0 0 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1808 19497 SH SOLE 1808 0 0 VANGUARD INDEX FDS SMALL CP ETF 922908751 31997 139977 SH SOLE 31997 0 0 VANGUARD INDEX FDS MID CAP ETF 922908629 1958 7838 SH SOLE 1958 0 0 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 107419 223463 SH SOLE 107419 0 0 ISHARES TR CORE S&P MCP ETF 464287507 2085 34334 SH SOLE 2085 0 0 FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101 1243 42100 SH SOLE 1243 0 0 ISHARES TR RUSSELL 3000 ETF 464287689 905 3016 SH SOLE 905 0 0 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1688 20930 SH SOLE 1688 0 0 VANGUARD INDEX FDS GROWTH ETF 922908736 69542 202039 SH SOLE 69542 0 0 ISHARES TR CORE S&P US GWT 464287671 624 5321 SH SOLE 624 0 0 ISHARES TR CORE S&P SCP ETF 464287804 1994 18041 SH SOLE 1994 0 0 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1599 32465 SH SOLE 1599 0 0 ISHARES TR S&P 500 GRWT ETF 464287309 695 8228 SH SOLE 695 0 0 VANGUARD STAR FD VG TL INTL STK F 921909768 1863 30890 SH SOLE 1863 0 0 SELECT SECTOR SPDR TR ENERGY 81369Y506 1166 12355 SH SOLE 1166 0 0 VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1850 18225 SH SOLE 1850 0 0 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 14710 237030 SH SOLE 14710 0 0 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1326 16286 SH SOLE 1326 0 0 DBX ETF TR XTRACK HRVST CSI 233051879 370 15369 SH SOLE 370 0 0 SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 1387 15110 SH SOLE 1387 0 0 ISHARES GOLD TRUST ISHARES NEW 464285204 441 10490 SH SOLE 441 0 0 SPDR GOLD TRUST GOLD SHS 78463V107 1003 4877 SH SOLE 1003 0 0 Invesco GBL LISTED PVT 46137V118 737 11168 SH SOLE 737 0 0 INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 766 24788 SH SOLE 766 0 0 WISDOMTREE TR FUTRE STRAT FD 97717W125 3022 80589 SH SOLE 3022 0 0 ISHARES TR MSCI EAFE ETF 464287465 1585 19847 SH SOLE 1585 0 0 VANGUARD BD INDEX FD INC INTERMED TERM 921937819 13114 173921 SH SOLE 13114 0 0 ETFS GOLD TR PHYSCL GOLD SHS 00326A104 497 23388 SH SOLE 497 0 0 VANGUARD WORLD FDS FINANCIALS ETF 92204A405 232 2268 SH SOLE 232 0 0 VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 2299 19004 SH SOLE 2299 0 0 ISHARES TR MSCI AC ASIA ETF 464288182 644 9506 SH SOLE 644 0 0 PIMCO ETF TR ACTIVE BD ETF 72201R775 1074 11696 SH SOLE 1074 0 0 VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 33668 439130 SH SOLE 33668 0 0 ISHARES TR ISHS 5-10YR INVT 464288638 391 7578 SH SOLE 391 0 0 ISHARES TR ISHS 1-5YR INVS 464288646 5632 109825 SH SOLE 5632 0 0 ISHARES TR EAFE VALUE ETF 464288877 1458 26809 SH SOLE 1458 0 0 ISHARES TR EAFE SML CP ETF 464288273 256 4045 SH SOLE 256 0 0 WISDOMTREE TR EMG MKTS SMCAP 97717W281 1097 21565 SH SOLE 1097 0 0 ISHARES TR PFD AND INCM SEC 464288687 206 6388 SH SOLE 206 0 0 SPDR SERIES TRUST ICE PFD SEC ETF 78464A292 832 23849 SH SOLE 832 0 0 ISHARES TR MBS ETF 464288588 11563 125112 SH SOLE 11563 0 0 MARKET VECTORS ETF TR HIGH YLD MUNIETF 92189H409 1282 24540 SH SOLE 1282 0 0 ISHARES TR 10-20 YR TRS ETF 464288653 524 4987 SH SOLE 524 0 0 ISHARES TR 20 YR TR BD ETF 464287432 354 3741 SH SOLE 354 0 0 VANGUARD BD INDEX FD INC LONG TERM TREAS 92206C847 6034 101860 SH SOLE 6034 0 0 SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 592 21202 SH SOLE 592 0 0 ISHARES TR 3 7 YR TREAS BD 464288661 649 5607 SH SOLE 649 0 0 SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672 493 17493 SH SOLE 493 0 0 CAMBRIA ETF TR VALUE MOMENTUM 132061888 2592 86792 SH SOLE 2592 0 0 CAMBRIA ETF TR GLOBAL VALUE ETF 132061409 2192 102408 SH SOLE 2192 0 0 CAMBRIA ETF TR GLB MOMENT ETF 132061508 11458 393594 SH SOLE 11458 0 0 CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 2127 29031 SH SOLE 2127 0 0 CAMBRIA ETF TR CAMBRIA FGN SHR 132061300 1058 39169 SH SOLE 1058 0 0 CAMBRIA ETF TR EMRG SHAREHLDR 132061706 1045 31154 SH SOLE 1045 0 0 Invesco OPTIMUM YIELD 46090F100 417 30089 SH SOLE 417 0 0 WISDOMTREE TR WISDOMTREE US VA 97717W547 237 3131 SH SOLE 237 0 0 VANGUARD BD INDEX FD INC TAX EXEMPT BD 922907746 1526 30155 SH SOLE 1526 0 0 VANECK VECTORS TR JP MRGAN EM LOC 92189H300 915 37314 SH SOLE 915 0 0 VANGUARD INDEX FDS 500 GRTH IDX F 921932505 6246 20499 SH SOLE 6246 0 0 VANGUARD INDEX FDS 500 VAL IDX FD 921932703 6751 37408 SH SOLE 6751 0 0 ISHARES TR CORE 1 5 YR USD 46432F859 1809 38137 SH SOLE 1809 0 0 ISHARES TR INTRM GOV CR ETF 464288612 1699 16341 SH SOLE 1699 0 0 VANGUARD BD INDEX FD INC MTG-BKD SECS ETF 92206C771 10484 229861 SH SOLE 10484 0 0 ISHARES TR CORE INTL AGGR 46435G672 60040 1202011 SH SOLE 60040 0 0 Goldman Sachs ACTIVEBETA US LG 381430503 406018 3911918 SH SOLE 406018 0 0 Goldman Sachs ACTIVEBETA INT 381430107 194687 5677668 SH SOLE 194687 0 0 Goldman Sachs ACTIVEBETA EME 381430206 44912 1433065 SH SOLE 44912 0 0 ISHARES TR IBOXX HI YD ETF 464288513 366 4703 SH SOLE 366 0 0 ISHARES TR RUS 1000 ETF 464287622 571 1982 SH SOLE 571 0 0 SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 220 6784 SH SOLE 220 0 0 VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 562 4812 SH SOLE 562 0 0 ISHARES TR USD INV GRDE ETF 464288620 551 10848 SH SOLE 551 0 0 SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 1190 12500 SH SOLE 1190 0 0 SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1406 39471 SH SOLE 1406 0 0 Vanguard SML CP GRW ETF 922908595 4455 17088 SH SOLE 4455 0 0 Vanguard ALLWRLD EX US 922042775 920 15679 SH SOLE 920 0 0 Vanguard INF TECH ETF 92204A702 311 594 SH SOLE 311 0 0 Vanguard VNG RUS1000IDX 92206C730 262 1101 SH SOLE 262 0 0 Vanguard MCAP GR IDXVIP 922908538 17786 75433 SH SOLE 17786 0 0 Vanguard TT WRLD ST ETF 922042742 2060 18638 SH SOLE 2060 0 0 Vanguard LARGE CAP ETF 922908637 1574 6563 SH SOLE 1574 0 0 Vanguard EXTEND MKT ETF 922908652 944 5384 SH SOLE 944 0 0 APPLE INC COM 037833100 3879 22623 SH SOLE 3879 0 0 iShares S&P MC 400GR ETF 464287606 433 4745 SH SOLE 433 0 0 iShares RUS 1000 GRW ETF 464287614 1221 3624 SH SOLE 1221 0 0 iShares RUS 2000 GRW ETF 464287648 906 3344 SH SOLE 906 0 0 iShares S&P SML 600 GWT 464287887 260 1986 SH SOLE 260 0 0 iShares ISHARES 46428Q109 281 12365 SH SOLE 281 0 0 iShares MSCI USA MIN VOL 46429B697 240 2876 SH SOLE 240 0 0 iShares 0-5 YR TIPS ETF 46429B747 309563 3113375 SH SOLE 309563 0 0 iShares CORE MSCI TOTAL 46432F834 1542 22729 SH SOLE 1542 0 0 iShares 0-5YR HI YL CP 46434V407 8599 202091 SH SOLE 8599 0 0 Invesco S&P500 EQL WGT 46137V357 681 4021 SH SOLE 681 0 0 Health SBI HEALTHCARE 81369Y209 342 2313 SH SOLE 342 0 0 Vanguard MEGA GRWTH IND 921910816 1070 3734 SH SOLE 1070 0 0 Vanguard SHRT TRM CORP BD 92206C409 2885 37312 SH SOLE 2885 0 0 Vanguard INTER TERM TREAS 92206C706 802 13693 SH SOLE 802 0 0 Schwab SCHWAB FDT US LG 808524771 521 7738 SH SOLE 521 0 0 Schwab SCHWAB FDT US SC 808524763 2300 40325 SH SOLE 2300 0 0 Schwab SCHWB FDT EMK LG 808524730 851 30661 SH SOLE 851 0 0 ALPHABET INC CAP STK CL C 02079K107 248 1630 SH SOLE 248 0 0 AMAZON COM INC COM 023135106 280 1555 SH SOLE 280 0 0 MICROSOFT CORP COM 594918104 1699 4038 SH SOLE 1699 0 0 EXXON MOBIL CORP COM 30231G102 444 3821 SH SOLE 444 0 0 DISNEY WALT CO COM 254687106 248 2025 SH SOLE 248 0 0 Goldman Sachs ACCES TREASURY 381430529 539739 5349774 SH SOLE 539739 0 0 iShares RUS MID CAP ETF 464287499 321 3821 SH SOLE 321 0 0 SPDR State Street Global Advisors INDL 81369Y704 256 2031 SH SOLE 256 0 0 iShares RUS MD CP GR ETF 464287481 240 2100 SH SOLE 240 0 0 SPDR State Street Global Advisors SBI INT-UTILS 81369Y886 299 4560 SH SOLE 299 0 0 iShares FLTG RATE NT ETF 46429B655 12188 238709 SH SOLE 12188 0 0 iShares MSCI USA QLT FCT 46432F339 2588 15744 SH SOLE 2588 0 0 iShares US TREAS BD ETF 46429B267 466 20472 SH SOLE 466 0 0 iShares U.S. TECH ETF 464287721 521 3859 SH SOLE 521 0 0 SPDR State Street Global Advisors SPDR TR TACTIC 78467V848 279 6977 SH SOLE 279 0 0 SPDR State Street Global Advisors PORTFOLIO SHORT 78464A474 1129 37911 SH SOLE 1129 0 0 WisdomTree US MIDCAP DIVID 97717W505 583 11962 SH SOLE 583 0 0 iShares MSCI USA VALUE 46432F388 305 2817 SH SOLE 305 0 0 iShares EAFE GRWTH ETF 464288885 1067 10284 SH SOLE 1067 0 0 iShares MSCI USA MMENTM 46432F396 3403 18162 SH SOLE 3403 0 0 iShares BLACKROCK SH DUR 46431W507 2781 55106 SH SOLE 2781 0 0 Vanguard SHORT TERM TREAS 92206C102 3330 57344 SH SOLE 3330 0 0 Vanguard MEGA CAP VAL ETF 921910840 304 2542 SH SOLE 304 0 0 SPDR State Street Global Advisors BLACKSTONE SENR 78467V608 400 9490 SH SOLE 400 0 0 iShares SHRT NAT MUN ETF 464288158 2344 22377 SH SOLE 2344 0 0 Vanguard MEGA CAP INDEX 921910873 273 1461 SH SOLE 273 0 0 iShares CORE DIV GRWTH 46434V621 456 7849 SH SOLE 456 0 0 Van Eck OIL SERVICES ETF 92189H607 600 1785 SH SOLE 600 0 0 WisdomTree INTL SMCAP DIV 97717W760 789 12092 SH SOLE 789 0 0 SPDR State Street Global Advisors PORTFOLIO AGRGTE 78464A649 353 13950 SH SOLE 353 0 0 Invesco FTSE RAFI DEV 46138E743 322 6478 SH SOLE 322 0 0 SPDR State Street Global Advisors S&P 600 SMCP VAL 78464A300 1926 23209 SH SOLE 1926 0 0 Van Eck MRNGSTR WDE MOAT 92189F643 860 9567 SH SOLE 860 0 0 SPDR State Street Global Advisors BLOOMBERG INVT 78468R200 230 7458 SH SOLE 230 0 0 Vanguard MIDCP 400 GRTH 921932869 982 8652 SH SOLE 982 0 0 iShares EXPONENTIAL TECH 46434V381 7448 124917 SH SOLE 7448 0 0 iShares CORE TOTAL USD 46434V613 1038 22773 SH SOLE 1038 0 0 Schwab ETFs INT-TRM U.S TRES 808524854 441 8989 SH SOLE 441 0 0 Invesco S&P 500 HB ETF 46138E370 345 3929 SH SOLE 345 0 0 iShares RUS TP200 GR ETF 464289438 1995 10224 SH SOLE 1995 0 0 SPDR State Street Global Advisors PORTFOLIO DEVLPD 78463X889 27840 776786 SH SOLE 27840 0 0 iShares MSCI KLD400 SOC 464288570 49392 489953 SH SOLE 49392 0 0 SPDR State Street Global Advisors PRTFLO S&P500 GW 78464A409 1352 18477 SH SOLE 1352 0 0 Van Eck FALLEN ANGEL HG 92189F437 2529 87145 SH SOLE 2529 0 0 iShares MORNINGSTAR GRWT 464287119 613 8117 SH SOLE 613 0 0 First Trust FIRST TR ENH NEW 33739Q408 319 5353 SH SOLE 319 0 0 SPDR State Street Global Advisors NUVEEN BLOOMBERG 78464A284 9209 358467 SH SOLE 9209 0 0 iShares MSCI USA ESG SLC 464288802 21782 199525 SH SOLE 21782 0 0 WisdomTree US SMALLCAP FUND 97717W562 375 7473 SH SOLE 375 0 0 WisdomTree ITL HDG QTLY DIV 97717X594 205 4470 SH SOLE 205 0 0 SPDR State Street Global Advisors PORTFOLI S&P1500 78464A805 1834 28588 SH SOLE 1834 0 0 iShares MSCI LW CRB TG 46434V464 226126 1259823 SH SOLE 226126 0 0 SPDR State Street Global Advisors RTFLO S&P500 VL 78464A508 157492 3143543 SH SOLE 157492 0 0 SPDR State Street Global Advisors PORTFOLIO EMG MK 78463X509 19740 545461 SH SOLE 19740 0 0 Vanguard INTL HIGH ETF 921946794 829 12044 SH SOLE 829 0 0 SPDR State Street Global Advisors SPDR MSCI USA GE 78468R747 3736 35290 SH SOLE 3736 0 0 Vanguard INTL DVD ETF 921946810 7459 91490 SH SOLE 7459 0 0 Fidelity Investments TOTAL BD ETF 316188309 361 7972 SH SOLE 361 0 0 iShares JP MRGN EM HI BD 464286285 3189 85126 SH SOLE 3189 0 0 Vanguard SMLCP 600 VAL 921932778 284 3215 SH SOLE 284 0 0 SPDR State Street Global Advisors PORTFOLIO S&P600 78468R853 566369 13159120 SH SOLE 566369 0 0 iShares MRGSTR MD CP GRW 464288307 660 9337 SH SOLE 660 0 0 SPDR State Street Global Advisors PORTFOLIO S&P400 78464A847 774626 14522420 SH SOLE 774626 0 0 iShares GNMA BOND ETF 46429B333 220 5066 SH SOLE 220 0 0 John Hancock MULTIFACTOR MI 47804J206 1198 20885 SH SOLE 1198 0 0 SPDR State Street Global Advisors PORTFOLIO SH TSR 78468R101 230 7948 SH SOLE 230 0 0 SPDR State Street Global Advisors PORTFOLIO S&P500 78464A854 2069131 33627999 SH SOLE 2069131 0 0 WisdomTree US LARGECAP FUND 97717W588 1428 25781 SH SOLE 1428 0 0 SPDR State Street Global Advisors SPDR S&P 500 ETF 78468R796 90577 2116289 SH SOLE 90577 0 0 WisdomTree YIELD ENHANCD US 97717X511 867 19972 SH SOLE 867 0 0 iShares BLACKROCK ULTRA 46434V878 1911 37794 SH SOLE 1911 0 0 First Trust RISNG DIVD ACHIV 33738R506 995 17707 SH SOLE 995 0 0 SPDR State Street Global Advisors MSCI EAFE STRTGC 78463X434 1051 13812 SH SOLE 1051 0 0 iShares ESG AW MSCI EAFE 46435G516 320789 4014381 SH SOLE 320789 0 0 SPDR State Street Global Advisors MULT ASS RLRTN 78467V103 288 10311 SH SOLE 288 0 0 iShares CRE U S REIT ETF 464288521 389 7232 SH SOLE 389 0 0 First Trust Exchange-Traded Fund VIII TCW OPPORTUNIS 33740F805 3131 71808 SH SOLE 3131 0 0 EA Series Trust US QUAN VALUE 02072L102 573 12748 SH SOLE 573 0 0 Pacer GLOBL CASH ETF 69374H709 220 6348 SH SOLE 220 0 0 EA Series Trust INTL QUAN VALUE 02072L201 427 15837 SH SOLE 427 0 0 SPDR State Street Global Advisors PORTFLI HIGH YLD 78468R606 907 38653 SH SOLE 907 0 0 iShares ESG AWR MSCI EM 46434G863 96278 2987211 SH SOLE 96278 0 0 SPDR State Street Global Advisors MSCI EAFE FS ETF 78470E106 51455 1237185 SH SOLE 51455 0 0 iShares CORE MSCI INTL 46435G326 208 3099 SH SOLE 208 0 0 Invesco S&P SMLCP MOMENT 46137V498 288 4778 SH SOLE 288 0 0 Invesco TOTAL RETURN 46090A804 245 5241 SH SOLE 245 0 0 EA Series Trust INTL QUAN MOMNTM 02072L300 384 13165 SH SOLE 384 0 0 iShares MSCI INTL QUALTY 46434V456 1584 39947 SH SOLE 1584 0 0 iShares MSCI INTL MOMENT 46434V449 1826 46545 SH SOLE 1826 0 0 Ark ETF Trust NEXT GNRTN INTER 00214Q401 1550 18605 SH SOLE 1550 0 0 Fidelity Investments LOW VOLITY ETF 316092824 480 8550 SH SOLE 480 0 0 iShares TRS FLT RT BD 46434V860 4409 86980 SH SOLE 4409 0 0 Ark ETF Trust INNOVATION ETF 00214Q104 458 9146 SH SOLE 458 0 0 ProShares PRIV EQTY-LSTD 74348A533 241 8153 SH SOLE 241 0 0 iShares INTERNATIONAL SL 46434V266 261 7928 SH SOLE 261 0 0 iShares FALN ANGLS USD 46435G474 7171 266993 SH SOLE 7171 0 0 Pacer US CASH COWS 100 69374H881 1536 26441 SH SOLE 1536 0 0 iShares ESG AWR MSCI USA 46435G425 294565 2562322 SH SOLE 294565 0 0 SPDR State Street Global Advisors MSCI EMR MKT ETF 78470E205 30400 969380 SH SOLE 30400 0 0 Invesco S&P INTL MOMNT 46138E222 460 10929 SH SOLE 460 0 0 WisdomTree EM EX ST-OWNED 97717X578 4929 167328 SH SOLE 4929 0 0 Invesco S&P 500 MOMNTM 46138E339 382 4766 SH SOLE 382 0 0 Goldman Sachs ACTIVEBETA US 381430602 47732 728170 SH SOLE 47732 0 0 Goldman Sachs ACCESS INVT GR 381430479 24687 539144 SH SOLE 24687 0 0 Goldman Sachs ACCESS HIG YLD 381430453 2146 48521 SH SOLE 2146 0 0 XTRACKERS XTRACK USD HIGH 233051432 9104 254948 SH SOLE 9104 0 0 INTEL CORP COM 458140100 289 6551 SH SOLE 289 0 0 COMCAST CORP NEW CL A 20030N101 567 13070 SH SOLE 567 0 0 ABBVIE INC COM 00287Y109 344 1890 SH SOLE 344 0 0 HOME DEPOT INC COM 437076102 568 1482 SH SOLE 568 0 0 PROCTER AND GAMBLE CO COM 742718109 541 3336 SH SOLE 541 0 0 MCDONALDS CORP COM 580135101 564 2000 SH SOLE 564 0 0 TEXAS INSTRS INC COM 882508104 658 3776 SH SOLE 658 0 0 LOCKHEED MARTIN CORP COM 539830109 650 1430 SH SOLE 650 0 0 INTUIT COM 461202103 456 702 SH SOLE 456 0 0 ABBOTT LABS COM 002824100 362 3186 SH SOLE 362 0 0 ISHARES BROAD USD HIGH 46435U853 3091 84472 SH SOLE 3091 0 0 GraniteShares BBG COMMD K 1 38747R108 10043 505425 SH SOLE 10043 0 0 SPDR State Street Global Advisors SPDR GLD MINIS 98149E303 499 11326 SH SOLE 499 0 0 JP Morgan ULTRA SHRT INC 46641Q837 236472 4687250 SH SOLE 236472 0 0 Goldman Sachs ACCESS INFLATI 381430362 5364 109521 SH SOLE 5364 0 0 iShares ESG AWR US AGRGT 46435U549 20608 437903 SH SOLE 20608 0 0 AVANTIS INTL INTL SMCP VLU 025072802 6176 93779 SH SOLE 6176 0 0 Avantis US SML CP VALU 025072877 12814 136742 SH SOLE 12814 0 0 Goldman Sachs ACCESS US AGRAT 38149W101 33390 811417 SH SOLE 33390 0 0 Impact Shares NAACP MINO ETF 45259A209 3734 97354 SH SOLE 3734 0 0 iShares USD GRN BOND ETF 46435U440 49526 1056221 SH SOLE 49526 0 0 Dimensional Fund Advisors INTL CORE EQT MK 25434V203 24997 827180 SH SOLE 24997 0 0 Dimensional Fund Advisors EMGR CRE EQT MNG 25434V302 6636 268440 SH SOLE 6636 0 0 Dimensional Fund Advisors US CORE EQT MKT 25434V104 37434 1024476 SH SOLE 37434 0 0 VANGUARD SCOTTSDALE FDS T TOTAL CORP BND 92206C573 204 2666 SH SOLE 204 0 0 Cambria Funds GBL REAL EST ETF 132061813 864 35182 SH SOLE 864 0 0 ISHARES ESG AWRE USD ETF 46435G193 15416 670565 SH SOLE 15416 0 0 iShares ESG ADV TTL USD 46436E619 1910 44598 SH SOLE 1910 0 0 iShares ESG AWRE 1 5 YR 46435G243 333 13587 SH SOLE 333 0 0 iShares ESG EAFE ETF 46436E759 438 6435 SH SOLE 438 0 0 Vanguard ESG INTL STK ETF 921910725 789 13733 SH SOLE 789 0 0 iShares ESG MSCI USA ETF 46436E767 396 8770 SH SOLE 396 0 0 VANGUARD WORLD FD ESG US CORP BD 921910691 203 3241 SH SOLE 203 0 0 BlackRock Fund Advisors ESG AWARE MSCI 46435U663 19106 474446 SH SOLE 19106 0 0 VANGUARD ESG US STK ETF 921910733 33501 359487 SH SOLE 33501 0 0 INVESCO NASDAQ 100 ETF 46138G649 3389 18553 SH SOLE 3389 0 0 State Street Global Advisors Inc S&P KENSHO NEW 78468R648 69923 1454315 SH SOLE 69923 0 0 PACER FDS TR PACER US SMALL 69374H857 473 9617 SH SOLE 473 0 0 Dimensional US SMALL CAP ETF 25434V500 794 12735 SH SOLE 794 0 0 Dimensional US TARGETED VLU 25434V609 10332 189825 SH SOLE 10332 0 0 Dimensional US EQUITY ETF 25434V401 3537 62077 SH SOLE 3537 0 0 Dimensional US CORE EQUITY 2 25434V708 58685 1836773 SH SOLE 58685 0 0 PGIM ETF TR PGIM ULTRA SH BD 69344A107 650 13076 SH SOLE 650 0 0 AMERICAN CENTY ETF US EQT ETF 025072885 865 9667 SH SOLE 865 0 0 J P MORGAN EXCHANGE EQUITY PREMIUM 46641Q332 296 5119 SH SOLE 296 0 0 ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 479 20117 SH SOLE 479 0 0 Western Asset Management Co 0-3 MNTH TREASRY 46436E718 3201 31786 SH SOLE 3201 0 0 ISHARES INC MSCI EMRG CHN 46434G764 422 7325 SH SOLE 422 0 0 J P MORGAN EXCHANGE BETABUILDRS US 46641Q399 512 5420 SH SOLE 512 0 0 VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 13090 264182 SH SOLE 13090 0 0 BNY MELLON ETF TRUST US LRG CP CORE 09661T107 225 2253 SH SOLE 225 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417 1274 37294 SH SOLE 1274 0 0 J P MORGAN EXCHANGE CORE PLUS BD ETF 46641Q670 776 16634 SH SOLE 776 0 0 ISHARES TR INVESTMENT GRADE 46435G219 9245 206139 SH SOLE 9245 0 0 Innovator Capital Management LLC US EQTY PWR BUF 45782C797 403 10751 SH SOLE 403 0 0 ISHARES TR HIGH YLD SYSTM B 46435G250 2853 61061 SH SOLE 2853 0 0 INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680 312 8808 SH SOLE 312 0 0 Innovator Capital Management LLC US EQTY BUF OCT 45782C771 258 6366 SH SOLE 258 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813 330 8695 SH SOLE 330 0 0 Innovator Capital Management LLC US EQTY ULTRA B 45782C821 906 26983 SH SOLE 906 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748 318 9220 SH SOLE 318 0 0 EA Series Trust FREEDOM 100 EM 02072L607 534 15841 SH SOLE 534 0 0 Engine No. 1 TRANSFRM 500 ETF 29287L106 59762 975704 SH SOLE 59762 0 0 Dimensional Fund Advisors LP INTERNATNAL VAL 25434V807 3744 101864 SH SOLE 3744 0 0 Dimensional Fund Advisors LP WORLD EX US CORE 25434V880 5362 210752 SH SOLE 5362 0 0 Simplify Asset Management Inc US EQT PLS UPSID 82889N301 250 6388 SH SOLE 250 0 0 Dimensional Fund Advisors LP CORE FIXED INCOM 25434V872 24467 583236 SH SOLE 24467 0 0 Dimensional Fund Advisors LP SHORT DURATION F 25434V864 7545 160389 SH SOLE 7545 0 0 Dimensional Fund Advisors LP NATL MUN BD ETF 25434V849 328 6827 SH SOLE 328 0 0 American Century Investment Management Inc AVANTIS CORE FI 025072562 240 5816 SH SOLE 240 0 0 Dimensional Fund Advisors LP US HIGH PROFITAB 25434V831 1319 41721 SH SOLE 1319 0 0 Dimensional Fund Advisors LP US REAL ESTATE E 25434V823 3351 149796 SH SOLE 3351 0 0 Dimensional Fund Advisors LP INTL SMALL CAP E 25434V773 1916 76461 SH SOLE 1916 0 0 Dimensional Fund Advisors LP INTL SMALL CAP V 25434V781 623 22930 SH SOLE 623 0 0 Dimensional Fund Advisors LP INTL HIGH PROFIT 25434V765 337 12508 SH SOLE 337 0 0 Dimensional Fund Advisors LP INTL CORE EQUITY 25434V799 22783 851698 SH SOLE 22783 0 0 Dimensional Fund Advisors LP EMERGING MKTS CO 25434V732 15396 603988 SH SOLE 15396 0 0 Dimensional Fund Advisors LP EMERGING MKTS VA 25434V740 1907 73448 SH SOLE 1907 0 0 Dimensional Fund Advisors LP EMERGING MKTS H 25434V757 772 31121 SH SOLE 772 0 0 Goldman Sachs Asset Management LP ACCESS EMNG MKTS 381430388 12815 312021 SH SOLE 12815 0 0 Dimensional Fund Advisors LP US SMALL CAP VAL 25434V815 1536 51034 SH SOLE 1536 0 0 Capital Research and Management Co SHS CREATION UNI 14020G101 273 8529 SH SOLE 273 0 0 Capital Research and Management Co SHS CREATION UNI 14020W106 582 17910 SH SOLE 582 0 0 Dimensional Fund Advisors LP US SUSTAINABILTY 25434V716 354 10299 SH SOLE 354 0 0 Dimensional Fund Advisors LP GLOBAL REAL EST 25434V658 1110 43478 SH SOLE 1110 0 0 Dimensional Fund Advisors LP US LARGE CAP VAL 25434V666 6654 221883 SH SOLE 6654 0 0 Summit Global Investments LLC SGI US LARGE CAP 74933W593 685 20580 SH SOLE 685 0 0 Capital Research and Management Co US MULTI-SECTOR 14020Y300 628 23220 SH SOLE 628 0 0 BlackRock Fund Advisors FLEXIBLE INCOME 092528603 2273 43324 SH SOLE 2273 0 0 Gentex Corp COM 371901109 282 7801 SH SOLE 282 0 0 Clockwise Capital LLC CLOCKWISE CORE 14064D568 222 8665 SH SOLE 222 0 0 Dimensional Fund Advisors LP US CORE EQUITY 1 25434V625 5984 102037 SH SOLE 5984 0 0 Dimensional Fund Advisors LP GLOBAL EX US COR 25434V575 2152 40596 SH SOLE 2152 0 0 Dimensional Fund Advisors LP GLOBAL CR ETF 25434V567 2003 37831 SH SOLE 2003 0 0 Bitwise Asset Management Inc SHS BEN INT 09174C104 2973 76793 SH SOLE 2973 0 0 Vaneck Digital Assets LLC SH BEN INT 92189K105 324 4035 SH SOLE 324 0 0 BlackRock Fund Advisors SHS 46438F101 926 22870 SH SOLE 926 0 0