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
EXCHANGE TRADED CONCEPTS TR VSPR US LC ETF 301505749 5,648 168,661 SH   SOLE   168,661 0 0
DBX ETF TR XTRCKR MSCI US 233051150 16,374 414,331 SH   SOLE   414,331 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 167,995 8,362,140 SH Call SOLE   8,362,140 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 42,076 1,994,116 SH Call SOLE   1,994,116 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 3,537 163,849 SH   SOLE   163,849 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 19,088 185,574 SH Call SOLE   185,574 0 0
ISHARES TR CORE S&P TTL STK 464287150 13,971 141,468 SH Call SOLE   141,468 0 0
ISHARES TR CORE US AGGBD ET 464287226 12,366 107,220 SH Call SOLE   107,220 0 0
ISHARES TR RUS MID CAP ETF 464287499 10,798 136,272 SH Call SOLE   136,272 0 0
ISHARES TR CORE S&P SCP ETF 464287804 212,092 1,877,253 SH Call SOLE   1,877,253 0 0
ISHARES TR JPMORGAN USD EMG 464288281 102,377 910,342 SH Call SOLE   910,342 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,089 12,373 SH Call SOLE   12,373 0 0
ISHARES TR INTRM GOV CR ETF 464288612 154 1,332 SH Call SOLE   1,332 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 161,892 2,675,010 SH Call SOLE   2,675,010 0 0
ISHARES TR MSCI USA ESG SLC 464288802 14,317 149,856 SH Call SOLE   149,856 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 7,387 97,795 SH Call SOLE   97,795 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 22,076 299,901 SH Call SOLE   299,901 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 27,215 204,828 SH Call SOLE   204,828 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 196,445 2,680,011 SH Call SOLE   2,680,011 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 7,131 157,938 SH Call SOLE   157,938 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 12,023 152,128 SH   SOLE   152,128 0 0
ISHARES TR ESG AWARE MSCI 46435U663 193 4,784 SH   SOLE   4,784 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 524,827 7,990,662 SH Call SOLE   7,990,662 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 15,470 113,373 SH Call SOLE   113,373 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 23,405 59,476 SH Call SOLE   59,476 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 24,771 243,358 SH Call SOLE   243,358 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,925,840 13,130,956 SH Call SOLE   13,130,956 0 0