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
AMAZON COM INC COM 023135106 664 204 SH   SOLE   0 0 204
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 590 20,468 SH   SOLE   0 0 20,468
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 379 7,179 SH   SOLE   0 0 7,179
ISHARES INC CORE MSCI EMKT 46434G103 8,872 143,006 SH   SOLE   0 0 143,006
ISHARES TR CORE MSCI EAFE 46432F842 23,511 340,304 SH   SOLE   0 0 340,304
ISHARES TR CORE MSCI EURO 46434V738 445 8,686 SH   SOLE   0 0 8,686
ISHARES TR CORE MSCI PAC 46434V696 344 5,350 SH   SOLE   0 0 5,350
ISHARES TR CORE S&P MCP ETF 464287507 3,656 15,910 SH   SOLE   0 0 15,910
ISHARES TR CORE S&P SCP ETF 464287804 3,538 38,503 SH   SOLE   0 0 38,503
ISHARES TR EAFE GRWTH ETF 464288885 227 2,257 SH   SOLE   0 0 2,257
ISHARES TR ESG AWRE USD ETF 46435G193 268 9,487 SH   SOLE   0 0 9,487
ISHARES TR ISHS 1-5YR INVS 464288646 1,013 18,365 SH   SOLE   0 0 18,365
ISHARES TR ISHS 5-10YR INVT 464288638 30,278 490,024 SH   SOLE   0 0 490,024
ISHARES TR JPMORGAN USD EMG 464288281 11,306 97,543 SH   SOLE   0 0 97,543
ISHARES TR MSCI EMG MKT ETF 464287234 343 6,646 SH   SOLE   0 0 6,646
ISHARES TR MSCI USA MIN VOL 46429B697 7,386 108,819 SH   SOLE   0 0 108,819
ISHARES TR MSCI USA MMENTM 46432F396 5,432 33,682 SH   SOLE   0 0 33,682
ISHARES TR RUS MD CP GR ETF 464287481 315 3,071 SH   SOLE   0 0 3,071
ISHARES TR RUS MID CAP ETF 464287499 368 5,377 SH   SOLE   0 0 5,377
ISHARES TR RUSSELL 2000 ETF 464287655 483 2,466 SH   SOLE   0 0 2,466
ISHARES TR S&P 500 GRWT ETF 464287309 14,672 229,897 SH   SOLE   0 0 229,897
ISHARES TR S&P 500 VAL ETF 464287408 18,666 145,813 SH   SOLE   0 0 145,813
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 7,725 153,977 SH   SOLE   0 0 153,977
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 609 19,888 SH   SOLE   0 0 19,888
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 282 5,045 SH   SOLE   0 0 5,045
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 686 5,344 SH   SOLE   0 0 5,344
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 227 2,500 SH   SOLE   0 0 2,500
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 230 2,585 SH   SOLE   0 0 2,585
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,011 32,403 SH   SOLE   0 0 32,403
SPDR S&P 500 ETF TR TR UNIT 78462F103 243 650 SH   SOLE   0 0 650
SPDR SER TR SSGA US LRG ETF 78468R804 608 5,072 SH   SOLE   0 0 5,072
SWEDISH EXPT CR CORP ROG TTL ETN 22 870297801 129 26,111 SH   SOLE   0 0 26,111
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 329 3,975 SH   SOLE   0 0 3,975
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 610 6,922 SH   SOLE   0 0 6,922
VANGUARD INDEX FDS GROWTH ETF 922908736 8,756 34,565 SH   SOLE   0 0 34,565
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,042 4,916 SH   SOLE   0 0 4,916
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 725 6,098 SH   SOLE   0 0 6,098
VANGUARD INDEX FDS MID CAP ETF 922908629 1,117 5,404 SH   SOLE   0 0 5,404
VANGUARD INDEX FDS SM CP VAL ETF 922908611 644 4,534 SH   SOLE   0 0 4,534
VANGUARD INDEX FDS SMALL CP ETF 922908751 819 4,212 SH   SOLE   0 0 4,212
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,070 4,001 SH   SOLE   0 0 4,001
VANGUARD INDEX FDS TOTAL STK MKT 922908769 273 1,404 SH   SOLE   0 0 1,404
VANGUARD INDEX FDS VALUE ETF 922908744 6,166 51,837 SH   SOLE   0 0 51,837
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,933 38,582 SH   SOLE   0 0 38,582
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 914 15,189 SH   SOLE   0 0 15,189
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,005 12,630 SH   SOLE   0 0 12,630
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 383 3,943 SH   SOLE   0 0 3,943
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 17,065 315,625 SH   SOLE   0 0 315,625
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,607 97,589 SH   SOLE   0 0 97,589
VANGUARD WORLD FDS INF TECH ETF 92204A702 206 583 SH   SOLE   0 0 583