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
Estimated average burden
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR 10-20 YR TRS ETF 464288653   10,768,237 108,180 SH   SOLE   294 0 107,886
ISHARES TR CORE TOTAL USD 46434V613   19,548,964 432,499 SH   SOLE   2,039 0 430,460
ISHARES TR HDG MSCI EAFE 46434V803   1,866,805 53,721 SH   SOLE   0 0 53,721
ISHARES TR GLOBAL ENERG ETF 464287341   2,092,006 54,793 SH   SOLE   672 0 54,121
ISHARES TR EAFE GRWTH ETF 464288885   9,792,040 101,126 SH   SOLE   708 0 100,418
ISHARES TR EAFE VALUE ETF 464288877   11,474,240 218,682 SH   SOLE   383 0 218,299
ISHARES INC MSCI EMRG CHN 46434G764   9,987,027 180,109 SH   SOLE   921 0 179,188
ISHARES TR MSCI USA QLT FCT 46432F339   8,162,831 45,838 SH   SOLE   218 0 45,620
ISHARES TR S&P 100 ETF 464287101   7,384,161 25,564 SH   SOLE   5 0 25,559
ISHARES TR S&P 500 GRWT ETF 464287309   39,898,421 392,972 SH   SOLE   4,145 0 388,827
ISHARES TR S&P 500 VAL ETF 464287408   30,071,190 157,540 SH   SOLE   1,063 0 156,477
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   13,413,611 261,729 SH   SOLE   879 0 260,850
ISHARES TR U.S. TECH ETF 464287721   8,344,368 52,309 SH   SOLE   396 0 51,913
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   27,775,068 1,223,571 SH   SOLE   4,602 0 1,218,969
SPDR SER TR PORT MTG BK ETF 78464A383   16,015,024 743,157 SH   SOLE   3,669 0 739,488
ISHARES TR ISHS 1-5YR INVS 464288646   6,907,526 133,608 SH   SOLE   515 0 133,093
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   3,059,972 58,823 SH   SOLE   0 0 58,823
VANGUARD INDEX FDS GROWTH ETF 922908736   10,879,123 26,506 SH   SOLE   0 0 26,506
VANGUARD INDEX FDS SMALL CP ETF 922908751   206,401 859 SH   SOLE   0 0 859
VANGUARD INDEX FDS VALUE ETF 922908744   6,277,305 37,078 SH   SOLE   0 0 37,078
ISHARES TR CORE S&P MCP ETF 464287507   228,802 3,672 SH   SOLE   0 0 3,672
ISHARES TR MSCI USA MIN VOL 46429B697   1,337,977 15,069 SH   SOLE   346 0 14,723
AMAZON COM INC COM 023135106   657,292 2,996 SH   SOLE   0 0 2,996
SPDR S&P 500 ETF TR TR UNIT 78462F103   406,740 694 SH   SOLE   0 0 694
VANGUARD WORLD FD INF TECH ETF 92204A702   432,151 695 SH   SOLE   0 0 695
ISHARES TR CORE MSCI EAFE 46432F842   366,229 5,211 SH   SOLE   0 0 5,211
ISHARES INC CORE MSCI EMKT 46434G103   236,296 4,525 SH   SOLE   0 0 4,525
ISHARES TR MSCI USA MMENTM 46432F396   429,773 2,077 SH   SOLE   0 0 2,077
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,350,580 28,243 SH   SOLE   0 0 28,243
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   645,847 14,665 SH   SOLE   0 0 14,665
ISHARES TR NATIONAL MUN ETF 464288414   5,464,949 51,290 SH   SOLE   0 0 51,290
ENCOMPASS HEALTH CORP COM 29261A100   804,752 8,714 SH   SOLE   0 0 8,714
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,271,126 85,201 SH   SOLE   0 0 85,201
VANGUARD INDEX FDS TOTAL STK MKT 922908769   210,982 728 SH   SOLE   0 0 728
VANGUARD BD INDEX FDS INTERMED TERM 921937819   295,856 3,959 SH   SOLE   0 0 3,959
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   250,912 5,534 SH   SOLE   0 0 5,534
APPLE INC COM 037833100   351,840 1,405 SH   SOLE   0 0 1,405
EXXON MOBIL CORP COM 30231G102   260,965 2,426 SH   SOLE   0 0 2,426
ISHARES TR SHRT NAT MUN ETF 464288158   602,818 5,715 SH   SOLE   0 0 5,715
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   946,800 33,972 SH   SOLE   0 0 33,972
ISHARES TR CORE S&P SCP ETF 464287804   272,150 2,362 SH   SOLE   0 0 2,362
ISHARES TR MSCI EAFE ETF 464287465   217,303 2,874 SH   SOLE   0 0 2,874
SPDR SER TR NUVEEN BLMBRG MU 78468R721   1,243,236 27,252 SH   SOLE   0 0 27,252
ISHARES TR CORE S&P500 ETF 464287200   354,385 602 SH   SOLE   0 0 602
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   347,700 15,000 SH   SOLE   0 0 15,000
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   317,265 3,696 SH   SOLE   0 0 3,696