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 BBG00NNWBWQ2 6,057,029 136,419 SH   SOLE   136,419 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 BBG001SBT983 9,401,260 145,982 SH   SOLE   145,982 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 BBG00FZ4KG74 695,551 15,953 SH   SOLE   15,953 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 BBG00HBPWNP1 637,088 29,011 SH   SOLE   29,011 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 5,554,968 107,654 SH   SOLE   107,654 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 2,152,101 66,773 SH   SOLE   66,773 0 0
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 439,271 7,630 SH   SOLE   7,630 0 0
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 2,495,144 26,370 SH   SOLE   26,370 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 9,926,048 170,961 SH   SOLE   170,961 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 622,641 12,465 SH   SOLE   12,465 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 577,334 9,505 SH   SOLE   9,505 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,211,762 20,012 SH   SOLE   20,012 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 469,605 4,072 SH   SOLE   4,072 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 25,557,734 48,613 SH   SOLE   48,613 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 1,083,493 23,766 SH   SOLE   23,766 0 0
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 6,913,531 66,610 SH   SOLE   66,610 0 0
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 5,654,837 103,949 SH   SOLE   103,949 0 0
ISHARES TR EXPND TEC SC ETF 464287549 BBG001SHHYT5 222,625 2,583 SH   SOLE   2,583 0 0
ISHARES TR EXPONENTIAL TECH 46434V381 BBG008B3Q692 283,553 4,756 SH   SOLE   4,756 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 1,382,394 32,186 SH   SOLE   32,186 0 0
ISHARES TR GLOBAL TECH ETF 464287291 BBG001S60KQ0 2,432,051 32,509 SH   SOLE   32,509 0 0
ISHARES TR HDG MSCI EAFE 46434V803 BBG005XKVF72 294,108 8,432 SH   SOLE   8,432 0 0
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 3,338,602 42,951 SH   SOLE   42,951 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,806,004 16,581 SH   SOLE   16,581 0 0
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 2,504,917 27,934 SH   SOLE   27,934 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 219,785 2,378 SH   SOLE   2,378 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 9,952,728 124,627 SH   SOLE   124,627 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 1,125,560 13,466 SH   SOLE   13,466 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 233,286 1,245 SH   SOLE   1,245 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 6,894,960 41,952 SH   SOLE   41,952 0 0
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 2,839,100 26,212 SH   SOLE   26,212 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,203,637 4,178 SH   SOLE   4,178 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,277,226 6,073 SH   SOLE   6,073 0 0
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 577,734 2,335 SH   SOLE   2,335 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,249,724 14,800 SH   SOLE   14,800 0 0
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 5,953,882 31,871 SH   SOLE   31,871 0 0
ISHARES TR U.S. ENERGY ETF 464287796 BBG001SFGXW8 707,816 14,328 SH   SOLE   14,328 0 0
ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 923,348 15,759 SH   SOLE   15,759 0 0
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 2,304,699 17,064 SH   SOLE   17,064 0 0
ISHARES TR US HLTHCARE ETF 464287762 BBG001SFGXR4 388,748 6,280 SH   SOLE   6,280 0 0
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 1,842,783 42,499 SH   SOLE   42,499 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 317,675 755 SH   SOLE   755 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 765,658 8,335 SH   SOLE   8,335 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 BBG0084H8485 783,498 19,562 SH   SOLE   19,562 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 BBG001TC6MJ4 1,922,241 18,660 SH   SOLE   18,660 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 2,949,209 29,056 SH   SOLE   29,056 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 14,299,114 29,746 SH   SOLE   29,746 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,197,784 4,608 SH   SOLE   4,608 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 209,726 1,287 SH   SOLE   1,287 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 BBG001TCH518 549,401 6,339 SH   SOLE   6,339 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,536,864 30,633 SH   SOLE   30,633 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 7,339,892 78,762 SH   SOLE   78,762 0 0