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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   9,912,742 211,179 SH   SOLE   0 0 211,179
ISHARES TR 10-20 YR TRS ETF 464288653   10,324,636 100,532 SH   SOLE   0 0 100,532
ISHARES TR CORE TOTAL USD 46434V613   18,032,334 398,769 SH   SOLE   0 0 398,769
ISHARES TR HDG MSCI EAFE 46434V803   1,529,825 43,027 SH   SOLE   0 0 43,027
ISHARES TR GLOBAL ENERG ETF 464287341   2,018,548 48,628 SH   SOLE   0 0 48,628
ISHARES TR EAFE GRWTH ETF 464288885   9,585,269 93,698 SH   SOLE   0 0 93,698
ISHARES TR EAFE VALUE ETF 464288877   11,234,374 211,809 SH   SOLE   0 0 211,809
ISHARES INC MSCI EMRG CHN 46434G764   9,209,507 155,566 SH   SOLE   0 0 155,566
ISHARES TR MSCI USA QLT FCT 46432F339   7,462,724 43,703 SH   SOLE   0 0 43,703
ISHARES TR S&P 100 ETF 464287101   6,594,814 24,952 SH   SOLE   0 0 24,952
ISHARES TR S&P 500 GRWT ETF 464287309   33,494,197 361,943 SH   SOLE   0 0 361,943
ISHARES TR S&P 500 VAL ETF 464287408   27,106,299 148,928 SH   SOLE   0 0 148,928
ISHARES TR U.S. TECH ETF 464287721   7,639,026 50,758 SH   SOLE   0 0 50,758
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   24,312,144 533,395 SH   SOLE   0 0 533,395
SPDR SER TR PORT MTG BK ETF 78464A383   14,635,580 678,516 SH   SOLE   0 0 678,516
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   2,954,729 56,604 SH   SOLE   0 0 56,604
ISHARES TR ISHS 1-5YR INVS 464288646   6,288,480 122,726 SH   SOLE   0 0 122,726
VANGUARD INDEX FDS GROWTH ETF 922908736   10,135,297 27,099 SH   SOLE   0 0 27,099
VANGUARD INDEX FDS SMALL CP ETF 922908751   213,025 977 SH   SOLE   0 0 977
ISHARES TR A RATE CP BD ETF 46429B291   606,696 12,947 SH   SOLE   0 0 12,947
ISHARES TR CORE DIV GRWTH 46434V621   558,990 9,703 SH   SOLE   0 0 9,703
ISHARES TR FALN ANGLS USD 46435G474   354,167 13,523 SH   SOLE   0 0 13,523
ISHARES TR IBOXX INV CP ETF 464287242   988,718 9,230 SH   SOLE   0 0 9,230
ISHARES TR INTL DIV GRWTH 46435G524   480,292 7,126 SH   SOLE   0 0 7,126
ISHARES TR MBS ETF 464288588   272,400 2,967 SH   SOLE   0 0 2,967
SPDR SER TR PORTFOLIO CRPORT 78464A144   625,287 21,787 SH   SOLE   0 0 21,787
SPDR SER TR PORTFOLIO LN TSR 78464A664   217,706 7,998 SH   SOLE   0 0 7,998
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   235,065 1,982 SH   SOLE   0 0 1,982
VANGUARD INDEX FDS VALUE ETF 922908744   6,099,911 38,027 SH   SOLE   0 0 38,027
ISHARES TR CORE S&P MCP ETF 464287507   281,949 4,818 SH   SOLE   0 0 4,818
ISHARES TR MSCI USA MIN VOL 46429B697   1,747,001 20,808 SH   SOLE   0 0 20,808
AMAZON COM INC COM 023135106   578,977 2,996 SH   SOLE   0 0 2,996
SPDR S&P 500 ETF TR TR UNIT 78462F103   391,294 719 SH   SOLE   0 0 719
VANGUARD WORLD FD INF TECH ETF 92204A702   400,730 695 SH   SOLE   0 0 695
ISHARES TR CORE MSCI EAFE 46432F842   397,777 5,476 SH   SOLE   0 0 5,476
ISHARES INC CORE MSCI EMKT 46434G103   338,684 6,327 SH   SOLE   0 0 6,327
ISHARES TR CORE S&P SCP ETF 464287804   333,632 3,128 SH   SOLE   0 0 3,128
ISHARES TR MSCI USA MMENTM 46432F396   404,745 2,077 SH   SOLE   0 0 2,077
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,468,268 29,710 SH   SOLE   0 0 29,710
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   722,565 16,512 SH   SOLE   0 0 16,512
ENCOMPASS HEALTH CORP COM 29261A100   744,987 8,684 SH   SOLE   0 0 8,684
ISHARES TR NATIONAL MUN ETF 464288414   5,496,169 51,583 SH   SOLE   0 0 51,583
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,266,867 85,150 SH   SOLE   0 0 85,150
VANGUARD INDEX FDS TOTAL STK MKT 922908769   202,773 758 SH   SOLE   0 0 758
VANGUARD BD INDEX FDS INTERMED TERM 921937819   296,490 3,959 SH   SOLE   0 0 3,959
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   251,244 5,534 SH   SOLE   0 0 5,534
APPLE INC COM 037833100   266,856 1,267 SH   SOLE   0 0 1,267
ISHARES TR SHRT NAT MUN ETF 464288158   605,135 5,788 SH   SOLE   0 0 5,788
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   857,241 8,501 SH   SOLE   0 0 8,501
EXXON MOBIL CORP COM 30231G102   256,257 2,226 SH   SOLE   0 0 2,226
SPDR SER TR NUVEEN BLMBRG MU 78468R721   1,263,661 27,621 SH   SOLE   0 0 27,621
ISHARES TR FLTG RATE NT ETF 46429B655   229,956 4,501 SH   SOLE   0 0 4,501
ISHARES TR SHORT TREAS BD 464288679   275,366 2,492 SH   SOLE   0 0 2,492
ISHARES TR CORE S&P500 ETF 464287200   329,432 602 SH   SOLE   0 0 602
ISHARES TR MSCI EAFE ETF 464287465   200,916 2,565 SH   SOLE   0 0 2,565
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   321,250 5,000 SH   SOLE   0 0 5,000
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   313,440 3,862 SH   SOLE   0 0 3,862