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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
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   3,664,230 124,064 SH   SOLE   0 0 124,064
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   822,443 11,007 SH   SOLE   0 0 11,007
ISHARES TR 10-20 YR TRS ETF 464288653   4,228,539 40,757 SH   SOLE   294 0 40,463
ISHARES TR CORE TOTAL USD 46434V613   15,350,710 333,132 SH   SOLE   2,039 0 331,093
ISHARES TR HDG MSCI EAFE 46434V803   2,316,246 63,826 SH   SOLE   0 0 63,826
ISHARES TR EAFE GRWTH ETF 464288885   8,964,910 89,649 SH   SOLE   708 0 88,941
ISHARES TR EAFE VALUE ETF 464288877   13,323,735 226,056 SH   SOLE   383 0 225,673
ISHARES INC MSCI EMRG CHN 46434G764   4,994,553 90,662 SH   SOLE   921 0 89,741
ISHARES TR MSCI USA QLT FCT 46432F339   7,850,345 45,938 SH   SOLE   218 0 45,720
ISHARES TR S&P 100 ETF 464287101   7,182,682 26,521 SH   SOLE   5 0 26,516
ISHARES TR S&P 500 GRWT ETF 464287309   36,517,369 393,379 SH   SOLE   4,145 0 389,234
ISHARES TR S&P 500 VAL ETF 464287408   30,799,559 161,610 SH   SOLE   1,063 0 160,547
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   14,638,630 300,218 SH   SOLE   879 0 299,339
ISHARES TR U.S. TECH ETF 464287721   7,478,078 53,247 SH   SOLE   396 0 52,851
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   28,974,918 1,251,076 SH   SOLE   4,602 0 1,246,474
SPDR SER TR PORTFLI HIGH YLD 78468R606   4,464,648 190,634 SH   SOLE   0 0 190,634
SPDR SER TR PORT MTG BK ETF 78464A383   17,277,291 783,551 SH   SOLE   3,669 0 779,882
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   9,165,463 159,095 SH   SOLE   0 0 159,095
ISHARES TR GLOBAL ENERG ETF 464287341   1,041,453 24,755 SH   SOLE   672 0 24,083
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   3,323,092 63,442 SH   SOLE   0 0 63,442
WORLD GOLD TR SPDR GLD MINIS 98149E303   3,483,417 56,284 SH   SOLE   0 0 56,284
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,333,124 46,756 SH   SOLE   0 0 46,756
ISHARES TR ISHS 1-5YR INVS 464288646   3,079,681 58,806 SH   SOLE   515 0 58,291
VANGUARD INDEX FDS GROWTH ETF 922908736   9,707,326 26,178 SH   SOLE   0 0 26,178
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,665,181 73,865 SH   SOLE   0 0 73,865
ISHARES TR NATIONAL MUN ETF 464288414   5,050,049 47,895 SH   SOLE   0 0 47,895
ISHARES TR SHRT NAT MUN ETF 464288158   276,883 2,622 SH   SOLE   0 0 2,622
VANGUARD INDEX FDS VALUE ETF 922908744   6,315,720 36,562 SH   SOLE   0 0 36,562
ISHARES TR MSCI USA MIN VOL 46429B697   1,101,535 11,761 SH   SOLE   346 0 11,415
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   753,523 14,723 SH   SOLE   0 0 14,723
AMAZON COM INC COM 023135106   676,945 3,558 SH   SOLE   0 0 3,558
SPDR S&P 500 ETF TR TR UNIT 78462F103   493,941 883 SH   SOLE   0 0 883
VANGUARD WORLD FD INF TECH ETF 92204A702   483,803 892 SH   SOLE   0 0 892
ISHARES TR CORE MSCI EAFE 46432F842   349,957 4,626 SH   SOLE   0 0 4,626
ISHARES INC CORE MSCI EMKT 46434G103   227,538 4,216 SH   SOLE   0 0 4,216
ISHARES TR MSCI USA MMENTM 46432F396   419,824 2,077 SH   SOLE   0 0 2,077
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,419,733 27,931 SH   SOLE   0 0 27,931
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   512,434 11,322 SH   SOLE   0 0 11,322
ENCOMPASS HEALTH CORP COM 29261A100   884,174 8,730 SH   SOLE   0 0 8,730
VANGUARD INDEX FDS TOTAL STK MKT 922908769   200,084 728 SH   SOLE   0 0 728
APPLE INC COM 037833100   442,483 1,992 SH   SOLE   0 0 1,992
EXXON MOBIL CORP COM 30231G102   297,801 2,504 SH   SOLE   0 0 2,504
VANGUARD BD INDEX FDS INTERMED TERM 921937819   303,141 3,959 SH   SOLE   0 0 3,959
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   252,714 5,457 SH   SOLE   0 0 5,457
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   847,679 33,853 SH   SOLE   0 0 33,853
ISHARES TR MSCI EAFE ETF 464287465   234,892 2,874 SH   SOLE   0 0 2,874
ISHARES TR 1 3 YR TREAS BD 464287457   217,911 2,634 SH   SOLE   0 0 2,634
ISHARES TR CORE S&P500 ETF 464287200   338,264 602 SH   SOLE   0 0 602
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   331,200 15,000 SH   SOLE   0 0 15,000
SPDR SER TR NUVEEN BLMBRG MU 78468R721   923,484 20,490 SH   SOLE   0 0 20,490
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   284,939 3,640 SH   SOLE   0 0 3,640