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
POWERSHARES QQQ TR ETF 46090E103 219 605 SH   SOLE 0 0 0 604
VANGUARD REIT INDEX ETF ETF 922908553 3,883 35,827 SH   SOLE 0 1,371 0 34,455
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158 1,679 16,051 SH   SOLE 0 1,520 0 14,530
SPDR S&P 500 ETF ETF 78462F103 254 562 SH   SOLE 0 0 0 561
ISHARES TR S&P/CITIGROUP INTL TREASURY BD ETF ETF 464288117 811 17,461 SH   SOLE 0 564 0 16,896
ABRDN BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF ETF 003261104 1,092 38,032 SH   SOLE 0 0 0 38,032
ISHARES RUSSELL 2000 VALUE ETF 464287630 524 3,246 SH   SOLE 0 487 0 2,758
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 256 5,400 SH   SOLE 0 0 0 5,400
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 1,739 6,264 SH   SOLE 0 0 0 6,264
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 259 4,858 SH   SOLE 0 0 0 4,857
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 523 14,241 SH   SOLE 0 0 0 14,241
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 2,929 54,384 SH   SOLE 0 0 0 54,383
ISHARES US REAL ESTATE ETF ETF 464287739 1,666 15,397 SH   SOLE 0 458 0 14,938
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 3,015 40,295 SH   SOLE 0 0 0 40,294
ISHARES S&P SMALLCAP 600 ETF ETF 464287804 1,028 9,530 SH   SOLE 0 0 0 9,529
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 345 12,431 SH   SOLE 0 0 0 12,430
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 2,501 35,033 SH   SOLE 0 0 0 35,033
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 671 1,368 SH   SOLE 0 0 0 1,368
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 1,255 16,914 SH   SOLE 0 0 0 16,913
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839 682 9,687 SH   SOLE 0 0 0 9,687
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473 1,393 11,644 SH   SOLE 0 1,197 0 10,446
SPDR BLOOMBERG EMERGING MARKETS LOCAL BOND ETF ETF 78464A391 864 38,029 SH   SOLE 0 0 0 38,028
ISHARES RUSSELL 2000 ETF ETF 464287655 962 4,688 SH   SOLE 0 0 0 4,688
SCHWAB US AGGREGATE BOND ETF ETF 808524839 341 6,751 SH   SOLE 0 0 0 6,750
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834 1,354 20,329 SH   SOLE 0 6,142 0 14,186
ISHARES CORE MSCI EAFE ETF 46432F842 20,528 295,321 SH   SOLE 0 7,243 0 288,078
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 7,998 143,975 SH   SOLE 0 1,944 0 142,031
ISHARES TRUST CORE SHORT-TERM US BD ETF ETF 46432F859 262 5,406 SH   SOLE 0 0 0 5,405
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 231 4,399 SH   SOLE 0 685 0 3,713
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499 609 7,802 SH   SOLE 0 0 0 7,801
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 2,563 20,484 SH   SOLE 0 941 0 19,542
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881 654 13,174 SH   SOLE 0 0 0 13,174
ISHARES S&P 500 VALUE ETF ETF 464287408 9,764 62,702 SH   SOLE 0 5,327 0 57,374
ISHARES S&P 500 GROWTH ETF ETF 464287309 8,823 115,521 SH   SOLE 0 1,181 0 114,339
ISHARES S&P 500 INDEX ETF 464287200 14,856 32,745 SH   SOLE 0 1,365 0 31,378
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 222 1,480 SH   SOLE 0 0 0 1,480
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 938 24,270 SH   SOLE 0 1,528 0 22,742
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 1,072 9,775 SH   SOLE 0 700 0 9,075
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 5,777 120,279 SH   SOLE 0 3,486 0 116,793
SPDR BLOOMBERG INTERNATIONAL TREASURY BOND ETF ETF 78464A516 257 9,855 SH   SOLE 0 0 0 9,855
ISHARES AGGREGATE BOND ETF ETF 464287226 2,066 19,290 SH   SOLE 0 651 0 18,638
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879 4,058 39,628 SH   SOLE 0 1,287 0 38,341
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 8,393 108,623 SH   SOLE 0 5,101 0 103,521
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705 5,038 45,953 SH   SOLE 0 1,778 0 44,173
MFS INVT GRADE MUN TR SH BEN INT CEF 59318B108 286 33,478 SH   SOLE 0 0 0 33,477
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 1,298 13,279 SH   SOLE 0 387 0 12,891
ISHARES CORE S&P MID CAP ETF ETF 464287507 2,586 9,636 SH   SOLE 0 814 0 8,820
ISHARES RUSSELL 1000 ETF ETF 464287622 1,851 7,400 SH   SOLE 0 0 0 7,400
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 4,564 27,497 SH   SOLE 0 0 0 27,496