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
DBX ETF TR XTRCKR MSCI US 233051150 15,936 400,397 SH   SOLE   400,397 0 0
EXCHANGE TRADED CONCEPTS TR VSPR US LC ETF 301505749 5,794 168,661 SH   SOLE   168,661 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 5,228 248,372 SH Call SOLE   248,372 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 2,660 126,115 SH Call SOLE   126,115 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 3,448 160,147 SH   SOLE   160,147 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 17,420 169,574 SH Call SOLE   169,574 0 0
ISHARES TR CORE S&P TTL STK 464287150 6,647 67,562 SH Call SOLE   67,562 0 0
ISHARES TR CORE US AGGBD ET 464287226 16,258 141,584 SH Call SOLE   141,584 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,481 18,933 SH Call SOLE   18,933 0 0
ISHARES TR CORE S&P MCP ETF 464287507 182,754 694,696 SH Call SOLE   694,696 0 0
ISHARES TR CORE S&P SCP ETF 464287804 8,486 77,719 SH Call SOLE   77,719 0 0
ISHARES TR JPMORGAN USD EMG 464288281 104,290 947,574 SH Call SOLE   947,574 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,085 12,396 SH Call SOLE   12,396 0 0
ISHARES TR INTRM GOV CR ETF 464288612 153 1,332 SH Call SOLE   1,332 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 141,088 2,349,124 SH Call SOLE   2,349,124 0 0
ISHARES TR PFMD AND INCM SEC 464288687 327,238 8,431,796 SH Call SOLE   8,431,796 0 0
ISHARES TR MSCI USA ESG SLC 464288802 14,967 155,991 SH Call SOLE   155,991 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 7,320 97,162 SH Call SOLE   97,162 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 19,954 271,488 SH Call SOLE   271,488 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 25,880 196,460 SH Call SOLE   196,460 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 260,080 3,663,093 SH Call SOLE   3,663,093 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 4,107 99,118 SH Call SOLE   99,118 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 13,130 167,521 SH   SOLE   167,521 0 0
ISHARES TR ESG AWARE MSCI 46435U663 51 1,312 SH   SOLE   1,312 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 342,253 4,009,999 SH Call SOLE   4,009,999 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 533,878 8,439,432 SH Call SOLE   8,439,432 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 14,290 106,886 SH Call SOLE   106,886 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 18,809 184,800 SH Call SOLE   184,800 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,268,364 14,718,377 SH Call SOLE   14,718,377 0 0