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
AMAZON COM INC COM 023135106 640 207 SH   SOLE   0 0 207
DELL TECHNOLOGIES INC CL C 24703L202 212 2,408 SH   SOLE   0 0 2,408
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 548 20,468 SH   SOLE   0 0 20,468
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 423 7,968 SH   SOLE   0 0 7,968
ISHARES INC CORE MSCI EMKT 46434G103 9,215 143,176 SH   SOLE   0 0 143,176
ISHARES TR 20 YR TR BD ETF 464287432 11,651 86,017 SH   SOLE   0 0 86,017
ISHARES TR CORE MSCI EAFE 46432F842 25,257 350,545 SH   SOLE   0 0 350,545
ISHARES TR CORE MSCI EURO 46434V738 466 8,642 SH   SOLE   0 0 8,642
ISHARES TR CORE MSCI PAC 46434V696 356 5,350 SH   SOLE   0 0 5,350
ISHARES TR CORE S&P MCP ETF 464287507 4,109 15,789 SH   SOLE   0 0 15,789
ISHARES TR CORE S&P SCP ETF 464287804 4,033 37,163 SH   SOLE   0 0 37,163
ISHARES TR ESG AWRE USD ETF 46435G193 256 9,487 SH   SOLE   0 0 9,487
ISHARES TR ISHS 1-5YR INVS 464288646 970 17,734 SH   SOLE   0 0 17,734
ISHARES TR ISHS 5-10YR INVT 464288638 30,067 507,636 SH   SOLE   0 0 507,636
ISHARES TR JPMORGAN USD EMG 464288281 10,944 100,510 SH   SOLE   0 0 100,510
ISHARES TR MSCI EMG MKT ETF 464287234 343 6,437 SH   SOLE   0 0 6,437
ISHARES TR MSCI USA MIN VOL 46429B697 7,785 112,519 SH   SOLE   0 0 112,519
ISHARES TR MSCI USA MMENTM 46432F396 5,458 33,933 SH   SOLE   0 0 33,933
ISHARES TR RUS MD CP GR ETF 464287481 302 2,961 SH   SOLE   0 0 2,961
ISHARES TR RUS MID CAP ETF 464287499 337 4,554 SH   SOLE   0 0 4,554
ISHARES TR RUSSELL 2000 ETF 464287655 456 2,065 SH   SOLE   0 0 2,065
ISHARES TR S&P 500 GRWT ETF 464287309 15,252 234,245 SH   SOLE   0 0 234,245
ISHARES TR S&P 500 VAL ETF 464287408 21,271 150,605 SH   SOLE   0 0 150,605
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 8,056 160,512 SH   SOLE   0 0 160,512
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 620 19,508 SH   SOLE   0 0 19,508
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 345 6,399 SH   SOLE   0 0 6,399
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 647 4,983 SH   SOLE   0 0 4,983
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 240 2,500 SH   SOLE   0 0 2,500
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 258 2,585 SH   SOLE   0 0 2,585
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,580 25,834 SH   SOLE   0 0 25,834
SPDR S&P 500 ETF TR TR UNIT 78462F103 258 650 SH   SOLE   0 0 650
SPDR SER TR SSGA US LRG ETF 78468R804 613 4,888 SH   SOLE   0 0 4,888
SWEDISH EXPT CR CORP ROG TTL ETN 22 870297801 181 33,033 SH   SOLE   0 0 33,033
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 413 5,021 SH   SOLE   0 0 5,021
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 546 6,442 SH   SOLE   0 0 6,442
VANGUARD INDEX FDS GROWTH ETF 922908736 8,517 33,134 SH   SOLE   0 0 33,134
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 973 4,535 SH   SOLE   0 0 4,535
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 807 5,986 SH   SOLE   0 0 5,986
VANGUARD INDEX FDS MID CAP ETF 922908629 1,187 5,362 SH   SOLE   0 0 5,362
VANGUARD INDEX FDS SM CP VAL ETF 922908611 742 4,478 SH   SOLE   0 0 4,478
VANGUARD INDEX FDS SMALL CP ETF 922908751 852 3,980 SH   SOLE   0 0 3,980
VANGUARD INDEX FDS SML CP GRW ETF 922908595 949 3,455 SH   SOLE   0 0 3,455
VANGUARD INDEX FDS TOTAL STK MKT 922908769 290 1,404 SH   SOLE   0 0 1,404
VANGUARD INDEX FDS VALUE ETF 922908744 6,471 49,227 SH   SOLE   0 0 49,227
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,983 38,090 SH   SOLE   0 0 38,090
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 957 15,189 SH   SOLE   0 0 15,189
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 980 12,003 SH   SOLE   0 0 12,003
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 367 3,943 SH   SOLE   0 0 3,943
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 3,256 39,327 SH   SOLE   0 0 39,327
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 17,418 326,372 SH   SOLE   0 0 326,372
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,745 96,625 SH   SOLE   0 0 96,625
VANGUARD WORLD FDS INF TECH ETF 92204A702 205 571 SH   SOLE   0 0 571