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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
Estimated average burden
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN ETFS BBRG ALL COMD K1 003261104   1,750,010 88,519 SH   SOLE   0 0 88,519
APPLE INC COM 037833100   389,110 2,080 SH   SOLE   0 0 2,080
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   2,477,371 47,224 SH   SOLE   0 0 47,224
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   2,926,015 50,967 SH   SOLE   0 0 50,967
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   6,929,604 156,072 SH   SOLE   0 0 156,072
BLACKROCK ETF TRUST WORLD EX US CARB 09290C608   506,300 11,085 SH   SOLE   0 0 11,085
DBX ETF TR XTRACK USD HIGH 233051432   680,963 19,069 SH   SOLE   0 0 19,069
DBX ETF TR XTRCKR MSCI US 233051150   16,734,130 339,023 SH   SOLE   0 0 339,023
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   2,795,521 107,150 SH   SOLE   0 0 107,150
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   97,653,507 3,115,948 SH   SOLE   0 0 3,115,948
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   144,461,133 4,212,933 SH   SOLE   0 0 4,212,933
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   208,151,719 2,005,512 SH   SOLE   0 0 2,005,512
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   75,571,823 5,448,606 SH   SOLE   0 0 5,448,606
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   2,570,223 157,411 SH   SOLE   0 0 157,411
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   1,928,835 99,118 SH   SOLE   0 0 99,118
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   5,009,114 62,442 SH   SOLE   0 0 62,442
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   230,481 10,991 SH   SOLE   0 0 10,991
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   230,532 11,284 SH   SOLE   0 0 11,284
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   221,952 11,554 SH   SOLE   0 0 11,554
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,350,359 35,102 SH   SOLE   0 0 35,102
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   1,691,543 14,727 SH   SOLE   0 0 14,727
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   1,742,541 15,834 SH   SOLE   0 0 15,834
ISHARES INC CORE MSCI EMKT 46434G103   67,424,454 1,310,516 SH   SOLE   0 0 1,310,516
ISHARES INC ESG AWR MSCI EM 46434G863   6,850,103 212,540 SH   SOLE   0 0 212,540
ISHARES INC MSCI EMRG CHN 46434G764   2,331,643 40,501 SH   SOLE   0 0 40,501
ISHARES TR 1 3 YR TREAS BD 464287457   3,996,277 49,091 SH   SOLE   0 0 49,091
ISHARES TR 10-20 YR TRS ETF 464288653   370,126 3,524 SH   SOLE   0 0 3,524
ISHARES TR 20 YR TR BD ETF 464287432   2,671,146 28,230 SH   SOLE   0 0 28,230
ISHARES TR BROAD USD HIGH 46435U853   70,905,991 1,937,860 SH   SOLE   0 0 1,937,860
ISHARES TR CONV BD ETF 46435G102   418,229 5,239 SH   SOLE   0 0 5,239
ISHARES TR CORE DIV GRWTH 46434V621   694,456 11,961 SH   SOLE   0 0 11,961
ISHARES TR CORE MSCI EAFE 46432F842   98,118,115 1,325,279 SH   SOLE   0 0 1,325,279
ISHARES TR CORE S&P MCP ETF 464287507   2,730,888 44,960 SH   SOLE   0 0 44,960
ISHARES TR CORE S&P SCP ETF 464287804   86,125,260 779,276 SH   SOLE   0 0 779,276
ISHARES TR CORE S&P TTL STK 464287150   417,579,445 3,621,782 SH   SOLE   0 0 3,621,782
ISHARES TR CORE S&P500 ETF 464287200   74,297,354 141,322 SH   SOLE   0 0 141,322
ISHARES TR CORE TOTAL USD 46434V613   163,116,732 3,577,912 SH   SOLE   0 0 3,577,912
ISHARES TR CORE US AGGBD ET 464287226   272,023,896 2,780,267 SH   SOLE   0 0 2,780,267
ISHARES TR CRE U S REIT ETF 464288521   1,630,106 31,979 SH   SOLE   0 0 31,979
ISHARES TR EAFE GRWTH ETF 464288885   4,101,456 39,517 SH   SOLE   0 0 39,517
ISHARES TR EAFE VALUE ETF 464288877   4,361,816 80,180 SH   SOLE   0 0 80,180
ISHARES TR ESG ADV TTL USD 46436E619   16,889,954 394,349 SH   SOLE   0 0 394,349
ISHARES TR ESG ADVNCD HY BD 46435G441   6,563,160 143,646 SH   SOLE   0 0 143,646
ISHARES TR ESG AWARE MSCI 46435U663   10,505,842 260,886 SH   SOLE   0 0 260,886
ISHARES TR ESG AWR MSCI USA 46435G425   1,903,813 16,561 SH   SOLE   0 0 16,561
ISHARES TR ESG AWR US AGRGT 46435U549   21,441,981 455,631 SH   SOLE   0 0 455,631
ISHARES TR ESG AWRE USD ETF 46435G193   1,402,804 61,018 SH   SOLE   0 0 61,018
ISHARES TR ESG EAFE ETF 46436E759   11,247,998 165,097 SH   SOLE   0 0 165,097
ISHARES TR ESG MSCI USA ETF 46436E767   25,182,886 557,761 SH   SOLE   0 0 557,761
ISHARES TR FALN ANGLS USD 46435G474   201,665 7,508 SH   SOLE   0 0 7,508
ISHARES TR GLOBAL ENERG ETF 464287341   929,266 21,636 SH   SOLE   0 0 21,636
ISHARES TR HDG MSCI EAFE 46434V803   1,990,253 57,060 SH   SOLE   0 0 57,060
ISHARES TR IBOXX HI YD ETF 464288513   547,264 7,041 SH   SOLE   0 0 7,041
ISHARES TR IBOXX INV CP ETF 464287242   1,193,627 10,959 SH   SOLE   0 0 10,959
ISHARES TR INTL EQTY FACTOR 46434V274   3,557,965 119,235 SH   SOLE   0 0 119,235
ISHARES TR ISHS 1-5YR INVS 464288646   245,016 4,778 SH   SOLE   0 0 4,778
ISHARES TR JPMORGAN USD EMG 464288281   56,945,115 637,182 SH   SOLE   0 0 637,182
ISHARES TR MBS ETF 464288588   5,485,856 59,358 SH   SOLE   0 0 59,358
ISHARES TR MSCI EAFE ETF 464287465   819,999 10,358 SH   SOLE   0 0 10,358
ISHARES TR MSCI EMG MKT ETF 464287234   270,338 6,581 SH   SOLE   0 0 6,581
ISHARES TR MSCI KLD400 SOC 464288570   2,051,584 20,351 SH   SOLE   0 0 20,351
ISHARES TR MSCI USA MMENTM 46432F396   1,500,303 8,008 SH   SOLE   0 0 8,008
ISHARES TR MSCI USA QLT FCT 46432F339   7,235,493 44,025 SH   SOLE   0 0 44,025
ISHARES TR NATIONAL MUN ETF 464288414   12,269,198 114,054 SH   SOLE   0 0 114,054
ISHARES TR RUS 1000 ETF 464287622   5,479,571 20,056 SH   SOLE   0 0 20,056
ISHARES TR RUS TP200 GR ETF 464289438   6,081,289 31,170 SH   SOLE   0 0 31,170
ISHARES TR RUSEL 2500 ETF 46435G268   640,423 9,761 SH   SOLE   0 0 9,761
ISHARES TR RUSSELL 2000 ETF 464287655   1,463,998 6,961 SH   SOLE   0 0 6,961
ISHARES TR S&P 500 GRWT ETF 464287309   5,306,743 62,846 SH   SOLE   0 0 62,846
ISHARES TR S&P 500 VAL ETF 464287408   4,080,510 21,843 SH   SOLE   0 0 21,843
ISHARES TR SHRT NAT MUN ETF 464288158   252,399 2,410 SH   SOLE   0 0 2,410
ISHARES TR SP SMCP600VL ETF 464287879   344,965 3,357 SH   SOLE   0 0 3,357
ISHARES TR TIPS BD ETF 464287176   3,867,607 36,125 SH   SOLE   0 0 36,125
ISHARES TR U S EQUITY FACTR 46434V282   110,121,564 2,046,495 SH   SOLE   0 0 2,046,495
ISHARES TR U.S. TECH ETF 464287721   3,105,509 22,994 SH   SOLE   0 0 22,994
ISHARES TR US INFRASTRUC 46435U713   674,205 15,549 SH   SOLE   0 0 15,549
ISHARES TR US TREAS BD ETF 46429B267   1,060,758 46,586 SH   SOLE   0 0 46,586
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,494,344 29,451 SH   SOLE   0 0 29,451
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   1,746,476 26,968 SH   SOLE   0 0 26,968
JOHN HANCOCK EXCHANGE TRADED MULTFCTR EMRNG 47804J834   490,798 18,929 SH   SOLE   0 0 18,929
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859   484,164 14,022 SH   SOLE   0 0 14,022
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   600,765 10,470 SH   SOLE   0 0 10,470
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842   263,256 6,834 SH   SOLE   0 0 6,834
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   325,361 7,823 SH   SOLE   0 0 7,823
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,820,008 339,042 SH   SOLE   0 0 339,042
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,448,703 209,330 SH   SOLE   0 0 209,330
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,688,867 39,130 SH   SOLE   0 0 39,130
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   5,743,159 163,371 SH   SOLE   0 0 163,371
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,204,200 180,053 SH   SOLE   0 0 180,053
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,600,678 80,802 SH   SOLE   0 0 80,802
SCHWAB STRATEGIC TR US REIT ETF 808524847   603,676 37,301 SH   SOLE   0 0 37,301
SCHWAB STRATEGIC TR US TIPS ETF 808524870   899,143 21,366 SH   SOLE   0 0 21,366
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   16,474,128 488,946 SH   SOLE   0 0 488,946
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   15,180,441 420,377 SH   SOLE   0 0 420,377
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,292,506 2,471 SH   SOLE   0 0 2,471
SPDR SER TR PORTFLI TIPS ETF 78464A656   2,240,066 86,632 SH   SOLE   0 0 86,632
SPDR SER TR PORTFOLI S&P1500 78464A805   25,907,668 443,662 SH   SOLE   0 0 443,662
SPDR SER TR PORTFOLIO AGRGTE 78464A649   19,822,876 777,021 SH   SOLE   0 0 777,021
SPDR SER TR PORTFOLIO S&P500 78464A854   77,637,139 1,261,777 SH   SOLE   0 0 1,261,777
SPDR SER TR PORTFOLIO S&P600 78468R853   2,150,192 49,958 SH   SOLE   0 0 49,958
SPDR SER TR PORTFOLIO SH TSR 78468R101   3,638,699 123,373 SH   SOLE   0 0 123,373
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,914,409 26,171 SH   SOLE   0 0 26,171
SPDR SER TR S&P 400 MDCP GRW 78464A821   3,691,424 42,289 SH   SOLE   0 0 42,289
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   757,787 16,293 SH   SOLE   0 0 16,293
VANGUARD BD INDEX FDS INTERMED TERM 921937819   7,906,028 104,851 SH   SOLE   0 0 104,851
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   5,383,501 74,430 SH   SOLE   0 0 74,430
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   11,407,686 148,789 SH   SOLE   0 0 148,789
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,698,534 92,245 SH   SOLE   0 0 92,245
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   12,847,456 261,180 SH   SOLE   0 0 261,180
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   111,304,115 635,046 SH   SOLE   0 0 635,046
VANGUARD INDEX FDS GROWTH ETF 922908736   2,268,966 6,592 SH   SOLE   0 0 6,592
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,292,793 13,734 SH   SOLE   0 0 13,734
VANGUARD INDEX FDS MID CAP ETF 922908629   1,116,723 4,469 SH   SOLE   0 0 4,469
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   35,394,732 73,632 SH   SOLE   0 0 73,632
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,919,955 12,774 SH   SOLE   0 0 12,774
VANGUARD INDEX FDS TOTAL STK MKT 922908769   9,725,825 41,009 SH   SOLE   0 0 41,009
VANGUARD INDEX FDS VALUE ETF 922908744   3,562,563 21,875 SH   SOLE   0 0 21,875
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   18,378,220 441,754 SH   SOLE   0 0 441,754
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   15,979,858 315,807 SH   SOLE   0 0 315,807
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   5,753,804 126,152 SH   SOLE   0 0 126,152
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,076,525 35,759 SH   SOLE   0 0 35,759
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   15,868,537 66,585 SH   SOLE   0 0 66,585
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   7,575,359 89,059 SH   SOLE   0 0 89,059
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   44,534,638 892,207 SH   SOLE   0 0 892,207
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   562,960 8,817 SH   SOLE   0 0 8,817
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   473,192 3,911 SH   SOLE   0 0 3,911
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   232,682 3,382 SH   SOLE   0 0 3,382