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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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 380 2,155 SH   SOLE   0 0 2,155
DBX ETF TR XTRACK USD HIGH 233051432 73,626 1,836,964 SH   SOLE   0 0 1,836,964
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 4,030 132,574 SH   SOLE   0 0 132,574
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 109,393 3,201,422 SH   SOLE   0 0 3,201,422
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 100,707 2,714,483 SH   SOLE   0 0 2,714,483
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 154,815 1,799,548 SH   SOLE   0 0 1,799,548
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 61,490 2,305,577 SH   SOLE   0 0 2,305,577
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 1,630 72,956 SH   SOLE   0 0 72,956
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,115 7,038 SH   SOLE   0 0 7,038
ISHARES INC CORE MSCI EMKT 46434G103 75,804 1,227,396 SH   SOLE   0 0 1,227,396
ISHARES INC ESG AWR MSCI EM 46434G863 2,021 48,765 SH   SOLE   0 0 48,765
ISHARES TR GLOBAL FINLS ETF 464287333 1,359 17,320 SH   SOLE   0 0 17,320
ISHARES TR ESG AWARE MSCI 46435U663 653 16,748 SH   SOLE   0 0 16,748
ISHARES TR CRE U S REIT ETF 464288521 3,125 53,276 SH   SOLE   0 0 53,276
ISHARES TR U.S. ENERGY ETF 464287796 956 33,830 SH   SOLE   0 0 33,830
ISHARES TR EAFE GRWTH ETF 464288885 3,843 36,097 SH   SOLE   0 0 36,097
ISHARES TR ESG AWR MSCI USA 46435G425 9,633 97,839 SH   SOLE   0 0 97,839
ISHARES TR MBS ETF 464288588 1,602 14,816 SH   SOLE   0 0 14,816
ISHARES TR RUSSELL 2000 ETF 464287655 832 3,802 SH   SOLE   0 0 3,802
ISHARES TR CORE TOTAL USD 46434V613 138,183 2,595,464 SH   SOLE   0 0 2,595,464
ISHARES TR IBOXX HI YD ETF 464288513 1,232 14,092 SH   SOLE   0 0 14,092
ISHARES TR NATIONAL MUN ETF 464288414 593 5,105 SH   SOLE   0 0 5,105
ISHARES TR 1 3 YR TREAS BD 464287457 5,785 67,156 SH   SOLE   0 0 67,156
ISHARES TR RUS 1000 ETF 464287622 3,834 15,861 SH   SOLE   0 0 15,861
ISHARES TR CORE US AGGBD ET 464287226 232,846 2,027,718 SH   SOLE   0 0 2,027,718
ISHARES TR EAFE VALUE ETF 464288877 4,064 79,931 SH   SOLE   0 0 79,931
ISHARES TR ISHS 1-5YR INVS 464288646 2,789 51,035 SH   SOLE   0 0 51,035
ISHARES TR ESG AW MSCI EAFE 46435G516 744 9,492 SH   SOLE   0 0 9,492
ISHARES TR ESG MSCI USA ETF 46436E767 976 27,014 SH   SOLE   0 0 27,014
ISHARES TR US TREAS BD ETF 46429B267 5,194 195,780 SH   SOLE   0 0 195,780
ISHARES TR MSCI USA MULTIFT 46434V282 80,156 1,902,143 SH   SOLE   0 0 1,902,143
ISHARES TR GLOBAL TECH ETF 464287291 1,709 30,165 SH   SOLE   0 0 30,165
ISHARES TR ESG EAFE ETF 46436E759 473 6,978 SH   SOLE   0 0 6,978
ISHARES TR JPMORGAN USD EMG 464288281 14,411 130,936 SH   SOLE   0 0 130,936
ISHARES TR CORE S&P MCP ETF 464287507 1,344 5,108 SH   SOLE   0 0 5,108
ISHARES TR CORE S&P SCP ETF 464287804 43,624 399,525 SH   SOLE   0 0 399,525
ISHARES TR MSCI USA MMENTM 46432F396 6,146 35,001 SH   SOLE   0 0 35,001
ISHARES TR CORE S&P TTL STK 464287150 331,377 3,368,334 SH   SOLE   0 0 3,368,334
ISHARES TR MSCI INTL MULTFT 46434V274 1,260 43,409 SH   SOLE   0 0 43,409
ISHARES TR ESG ADV TTL USD 46436E619 1,247 25,153 SH   SOLE   0 0 25,153
ISHARES TR MSCI USA VALUE 46432F388 2,020 20,061 SH   SOLE   0 0 20,061
ISHARES TR ESG AWRE 1 5 YR 46435G243 347 13,374 SH   SOLE   0 0 13,374
ISHARES TR FALN ANGLS USD 46435G474 2,052 68,138 SH   SOLE   0 0 68,138
ISHARES TR TIPS BD ETF 464287176 7,161 56,084 SH   SOLE   0 0 56,084
ISHARES TR CORE MSCI EAFE 46432F842 64,589 869,887 SH   SOLE   0 0 869,887
ISHARES TR CORE S&P500 ETF 464287200 16,843 39,094 SH   SOLE   0 0 39,094
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,648 45,974 SH   SOLE   0 0 45,974
SCHWAB STRATEGIC TR US REIT ETF 808524847 985 21,565 SH   SOLE   0 0 21,565
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,859 257,827 SH   SOLE   0 0 257,827
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,088 209,192 SH   SOLE   0 0 209,192
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 6,079 112,033 SH   SOLE   0 0 112,033
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,152 18,408 SH   SOLE   0 0 18,408
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,715 16,487 SH   SOLE   0 0 16,487
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 12,773 123,840 SH   SOLE   0 0 123,840
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,639 32,027 SH   SOLE   0 0 32,027
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 24,146 666,832 SH   SOLE   0 0 666,832
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 23,944 562,997 SH   SOLE   0 0 562,997
SPDR SER TR PORTFOLIO SH TSR 78468R101 6,049 197,481 SH   SOLE   0 0 197,481
SPDR SER TR PORTFLI TIPS ETF 78464A656 3,548 114,074 SH   SOLE   0 0 114,074
SPDR SER TR PORTFOLIO AGRGTE 78464A649 19,588 656,228 SH   SOLE   0 0 656,228
SPDR SER TR PRTFLO S&P500 GW 78464A409 6,406 100,070 SH   SOLE   0 0 100,070
SPDR SER TR PORTFOLI S&P1500 78464A805 39,473 744,918 SH   SOLE   0 0 744,918
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,192 37,353 SH   SOLE   0 0 37,353
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 10,257 125,182 SH   SOLE   0 0 125,182
VANGUARD BD INDEX FDS INTERMED TERM 921937819 6,497 72,646 SH   SOLE   0 0 72,646
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 5,978 58,421 SH   SOLE   0 0 58,421
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 11,889 208,727 SH   SOLE   0 0 208,727
VANGUARD INDEX FDS MID CAP ETF 922908629 1,022 4,318 SH   SOLE   0 0 4,318
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 18,987 48,141 SH   SOLE   0 0 48,141
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 138,683 760,493 SH   SOLE   0 0 760,493
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,060 4,848 SH   SOLE   0 0 4,848
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 243 2,525 SH   SOLE   0 0 2,525
VANGUARD INDEX FDS VALUE ETF 922908744 736 5,439 SH   SOLE   0 0 5,439
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,452 7,225 SH   SOLE   0 0 7,225
VANGUARD INDEX FDS GROWTH ETF 922908736 1,148 3,955 SH   SOLE   0 0 3,955
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,864 54,372 SH   SOLE   0 0 54,372
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,225 205,412 SH   SOLE   0 0 205,412
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,395 61,988 SH   SOLE   0 0 61,988
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 5,910 110,909 SH   SOLE   0 0 110,909
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 18,269 363,121 SH   SOLE   0 0 363,121