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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE TOTAL USD 46434V613   17,818,419 407,604 SH   SOLE   0 0 407,604
ISHARES INC ESG AWR MSCI EM 46434G863   6,440,729 212,706 SH   SOLE   0 0 212,706
ISHARES TR EAFE GRWTH ETF 464288885   11,526,894 133,568 SH   SOLE   0 0 133,568
ISHARES TR EAFE VALUE ETF 464288877   12,765,026 260,883 SH   SOLE   0 0 260,883
ISHARES TR MSCI USA MIN VOL 46429B697   6,409,838 88,558 SH   SOLE   0 0 88,558
ISHARES TR S&P 500 GRWT ETF 464287309   30,320,817 443,157 SH   SOLE   0 0 443,157
ISHARES TR S&P 500 VAL ETF 464287408   27,356,344 177,823 SH   SOLE   0 0 177,823
ISHARES TR US HLTHCARE ETF 464287762   3,862,131 14,296 SH   SOLE   0 0 14,296
ISHARES TR U.S. TECH ETF 464287721   3,733,111 35,581 SH   SOLE   0 0 35,581
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   23,300,618 526,806 SH   SOLE   0 0 526,806
SPDR SER TR PORT MTG BK ETF 78464A383   13,163,628 632,687 SH   SOLE   0 0 632,687
ISHARES TR FALN ANGLS USD 46435G474   1,017,767 41,039 SH   SOLE   0 0 41,039
VANGUARD INDEX FDS GROWTH ETF 922908736   8,042,676 29,535 SH   SOLE   0 0 29,535
VANGUARD INDEX FDS SMALL CP ETF 922908751   427,487 2,261 SH   SOLE   0 0 2,261
ISHARES TR A RATE CP BD ETF 46429B291   1,716,782 38,083 SH   SOLE   0 0 38,083
ISHARES TR CORE DIV GRWTH 46434V621   1,601,751 32,339 SH   SOLE   0 0 32,339
ISHARES TR IBOXX HI YD ETF 464288513   3,063,213 41,552 SH   SOLE   0 0 41,552
ISHARES TR IBOXX INV CP ETF 464287242   3,310,855 32,453 SH   SOLE   0 0 32,453
ISHARES TR INTL DIV GRWTH 46435G524   1,452,739 24,494 SH   SOLE   0 0 24,494
ISHARES TR MBS ETF 464288588   1,434,653 16,156 SH   SOLE   0 0 16,156
SPDR SER TR PORTFOLIO CRPORT 78464A144   2,256,706 81,824 SH   SOLE   0 0 81,824
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   626,946 6,068 SH   SOLE   0 0 6,068
ISHARES TR ISHS 1-5YR INVS 464288646   12,995,828 260,803 SH   SOLE   0 0 260,803
VANGUARD INDEX FDS VALUE ETF 922908744   6,267,677 45,441 SH   SOLE   0 0 45,441
ISHARES TR CORE S&P MCP ETF 464287507   268,550 1,077 SH   SOLE   0 0 1,077
SPDR SER TR PORTFOLIO LN TSR 78464A664   5,367,052 205,241 SH   SOLE   0 0 205,241
ISHARES INC CORE MSCI EMKT 46434G103   502,217 10,553 SH   SOLE   0 0 10,553
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,385,995 35,348 SH   SOLE   0 0 35,348
AMAZON COM INC COM 023135106   366,614 2,884 SH   SOLE   0 0 2,884
SPDR S&P 500 ETF TR TR UNIT 78462F103   353,098 826 SH   SOLE   0 0 826
VANGUARD WORLD FDS INF TECH ETF 92204A702   293,749 708 SH   SOLE   0 0 708
ISHARES TR CORE MSCI EAFE 46432F842   842,148 13,087 SH   SOLE   0 0 13,087
ISHARES TR MSCI USA MMENTM 46432F396   717,918 5,139 SH   SOLE   0 0 5,139
ISHARES TR CORE S&P SCP ETF 464287804   396,752 4,206 SH   SOLE   0 0 4,206
ISHARES TR RUSSELL 2000 ETF 464287655   252,561 1,429 SH   SOLE   0 0 1,429
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,145,078 49,064 SH   SOLE   0 0 49,064
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   221,429 3,989 SH   SOLE   0 0 3,989
SPDR SER TR SSGA US LRG ETF 78468R804   394,301 2,953 SH   SOLE   0 0 2,953
VANGUARD INDEX FDS SM CP VAL ETF 922908611   204,147 1,280 SH   SOLE   0 0 1,280
ISHARES TR FLTG RATE NT ETF 46429B655   437,858 8,604 SH   SOLE   0 0 8,604
ISHARES TR SHORT TREAS BD 464288679   358,033 3,241 SH   SOLE   0 0 3,241
ENCOMPASS HEALTH CORP COM 29261A100   661,448 9,849 SH   SOLE   0 0 9,849
ISHARES TR NATIONAL MUN ETF 464288414   6,782,918 66,149 SH   SOLE   0 0 66,149
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,503,795 93,634 SH   SOLE   0 0 93,634
ISHARES TR ISHS 5-10YR INVT 464288638   215,179 4,423 SH   SOLE   0 0 4,423
ISHARES TR SHRT NAT MUN ETF 464288158   1,987,975 19,327 SH   SOLE   0 0 19,327
SPDR SER TR PRTFLO S&P500 HI 78468R788   436,586 12,449 SH   SOLE   0 0 12,449
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   233,041 5,323 SH   SOLE   0 0 5,323
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   625,392 8,600 SH   SOLE   0 0 8,600
EXXON MOBIL CORP COM 30231G102   255,737 2,175 SH   SOLE   0 0 2,175
VANGUARD INDEX FDS MID CAP ETF 922908629   284,872 1,368 SH   SOLE   0 0 1,368
ISHARES TR CORE S&P500 ETF 464287200   258,517 602 SH   SOLE   0 0 602
ISHARES TR 0-5 YR TIPS ETF 46429B747   213,806 2,206 SH   SOLE   0 0 2,206
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   253,000 5,000 SH   SOLE   0 0 5,000
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   234,783 3,915 SH   SOLE   0 0 3,915