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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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
POWERSHARES QQQ TR ETF 46090E103 241 605 SH   SOLE 0 0 0 604
SPDR NUVEEN BLOOMBERG SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 1,166 23,708 SH   SOLE 0 0 0 23,708
VANGUARD REIT INDEX ETF ETF 922908553 4,249 36,624 SH   SOLE 0 1,465 0 35,158
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158 279 2,598 SH   SOLE 0 0 0 2,597
SPDR S&P 500 ETF ETF 78462F103 232 489 SH   SOLE 0 0 0 489
ISHARES TR S&P/CITIGROUP INTL TREASURY BD ETF ETF 464288117 1,045 20,786 SH   SOLE 0 569 0 20,216
ABRDN BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF ETF 003261104 1,064 46,290 SH   SOLE 0 0 0 46,289
ISHARES RUSSELL 2000 VALUE ETF 464287630 537 3,236 SH   SOLE 0 485 0 2,749
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 255 2,493 SH   SOLE 0 0 0 2,493
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 1,908 6,244 SH   SOLE 0 0 0 6,244
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 274 2,422 SH   SOLE 0 0 0 2,422
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 568 14,624 SH   SOLE 0 0 0 14,624
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 3,121 27,423 SH   SOLE 0 0 0 27,422
ISHARES US REAL ESTATE ETF ETF 464287739 1,801 15,504 SH   SOLE 0 457 0 15,046
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 3,261 19,913 SH   SOLE 0 0 0 19,912
ISHARES S&P SMALLCAP 600 ETF ETF 464287804 1,040 9,083 SH   SOLE 0 0 0 9,082
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 353 11,926 SH   SOLE 0 0 0 11,926
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 2,545 34,752 SH   SOLE 0 0 0 34,751
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 706 1,364 SH   SOLE 0 0 0 1,363
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 1,374 16,849 SH   SOLE 0 0 0 16,849
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839 700 9,843 SH   SOLE 0 0 0 9,843
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473 1,430 11,685 SH   SOLE 0 1,193 0 10,491
SPDR BLOOMBERG EMERGING MARKETS LOCAL BOND ETF ETF 78464A391 1,330 54,427 SH   SOLE 0 0 0 54,427
ISHARES RUSSELL 2000 ETF ETF 464287655 1,041 4,679 SH   SOLE 0 0 0 4,679
SCHWAB US AGGREGATE BOND ETF ETF 808524839 309 5,729 SH   SOLE 0 0 0 5,729
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834 1,443 20,339 SH   SOLE 0 6,135 0 14,203
ISHARES CORE MSCI EAFE ETF 46432F842 21,448 287,349 SH   SOLE 0 7,272 0 280,077
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 8,603 143,719 SH   SOLE 0 1,944 0 141,774
ISHARES TRUST CORE SHORT-TERM US BD ETF ETF 46432F859 277 5,494 SH   SOLE 0 0 0 5,493
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 329 5,961 SH   SOLE 0 0 0 5,961
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499 646 7,780 SH   SOLE 0 0 0 7,780
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 2,864 20,632 SH   SOLE 0 1,046 0 19,585
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881 713 14,161 SH   SOLE 0 0 0 14,161
ISHARES S&P 500 VALUE ETF ETF 464287408 9,946 63,498 SH   SOLE 0 5,430 0 58,067
ISHARES S&P 500 GROWTH ETF ETF 464287309 9,432 112,732 SH   SOLE 0 1,429 0 111,302
ISHARES S&P 500 INDEX ETF 464287200 15,580 32,663 SH   SOLE 0 1,470 0 31,192
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 221 1,473 SH   SOLE 0 0 0 1,473
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 1,048 25,270 SH   SOLE 0 1,528 0 23,742
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 6,133 120,114 SH   SOLE 0 3,480 0 116,634
ISHARES AGGREGATE BOND ETF ETF 464287226 1,452 12,727 SH   SOLE 0 650 0 12,076
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879 4,137 39,596 SH   SOLE 0 1,284 0 38,311
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 9,262 108,636 SH   SOLE 0 5,092 0 103,544
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705 5,099 46,071 SH   SOLE 0 1,769 0 44,302
MFS INVT GRADE MUN TR SH BEN INT CEF 59318B108 340 32,933 SH   SOLE 0 0 0 32,932
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 1,232 11,295 SH   SOLE 0 496 0 10,798
ISHARES CORE S&P MID CAP ETF ETF 464287507 2,708 9,567 SH   SOLE 0 812 0 8,754
ISHARES RUSSELL 1000 ETF ETF 464287622 1,952 7,384 SH   SOLE 0 0 0 7,383
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 4,607 27,432 SH   SOLE 0 0 0 27,431