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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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102 359 14,612 SH   SOLE 0 0 0 14,612
CION INVT CORP COM 17259U204 253 19,374 SH   SOLE 0 0 0 19,374
DBX ETF TR XTRACK MSCI EAFE 233051200 526 13,382 SH   SOLE 0 0 0 13,382
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 483 13,686 SH   SOLE 0 0 0 13,686
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 582 13,895 SH   SOLE 0 0 0 13,895
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827 934 35,033 SH   SOLE 0 0 0 35,033
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 1,873 68,075 SH   SOLE 0 0 0 68,075
INVESCO QQQ TR UNIT SER 1 46090E103 626 1,574 SH   SOLE 0 0 0 1,574
ISHARES INC MSCI GERMANY ETF 464286806 804 24,520 SH   SOLE 0 0 0 24,520
ISHARES INC MSCI MEXICO ETF 464286822 431 8,519 SH   SOLE 0 0 0 8,519
ISHARES INC ESG AWR MSCI EM 46434G863 4,011 100,910 SH   SOLE 0 0 0 100,910
ISHARES TR FALN ANGLS USD 46435G474 885 29,542 SH   SOLE 0 0 0 29,542
ISHARES TR ESG AWR MSCI USA 46435G425 23,995 222,382 SH   SOLE 0 0 0 222,382
ISHARES TR CORE TOTAL USD 46434V613 4,598 86,871 SH   SOLE 0 0 0 86,871
ISHARES TR MSCI USA MIN VOL 46429B697 2,067 25,556 SH   SOLE 0 0 0 25,556
ISHARES TR US TREAS BD ETF 46429B267 3,518 131,871 SH   SOLE 0 0 0 131,871
ISHARES TR MSCI USA VALUE 46432F388 5,233 47,802 SH   SOLE 0 0 0 47,802
ISHARES TR MSCI CHINA ETF 46429B671 463 7,380 SH   SOLE 0 0 0 7,380
ISHARES TR CORE MSCI EAFE 46432F842 507 6,786 SH   SOLE 0 0 0 6,786
ISHARES TR SHRT NAT MUN ETF 464288158 905 8,430 SH   SOLE 0 0 0 8,430
ISHARES TR NATIONAL MUN ETF 464288414 3,898 33,522 SH   SOLE 0 0 0 33,522
ISHARES TR MSCI UK ETF NEW 46435G334 1,871 56,450 SH   SOLE 0 0 0 56,450
ISHARES TR 10-20 YR TRS ETF 464288653 698 4,703 SH   SOLE 0 0 0 4,703
ISHARES TR MBS ETF 464288588 334 3,111 SH   SOLE 0 0 0 3,111
ISHARES TR CORE US AGGBD ET 464287226 609 5,339 SH   SOLE 0 0 0 5,339
ISHARES TR TIPS BD ETF 464287176 2,086 16,142 SH   SOLE 0 0 0 16,142
ISHARES TR EAFE VALUE ETF 464288877 13,107 260,103 SH   SOLE 0 0 0 260,103
ISHARES TR EAFE GRWTH ETF 464288885 10,841 98,298 SH   SOLE 0 0 0 98,298
ISHARES TR U.S. MED DVC ETF 464288810 441 6,692 SH   SOLE 0 0 0 6,692
ISHARES TR ISHS 1-5YR INVS 464288646 554 10,283 SH   SOLE 0 0 0 10,283
ISHARES TR GLOBAL ENERG ETF 464287341 573 20,832 SH   SOLE 0 0 0 20,832
ISHARES TR GLOBAL FINLS ETF 464287333 2,395 29,915 SH   SOLE 0 0 0 29,915
ISHARES TR GLOBAL TECH ETF 464287291 3,730 57,927 SH   SOLE 0 0 0 57,927
ISHARES TR U.S. ENERGY ETF 464287796 2,391 79,429 SH   SOLE 0 0 0 79,429
ISHARES TR 1 3 YR TREAS BD 464287457 925 10,817 SH   SOLE 0 0 0 10,817
ISHARES TR 20 YR TR BD ETF 464287432 759 5,124 SH   SOLE 0 0 0 5,124
ISHARES TR MSCI EAFE ETF 464287465 18,977 241,196 SH   SOLE 0 0 0 241,196
ISHARES TR CORE S&P SCP ETF 464287804 5,475 47,812 SH   SOLE 0 0 0 47,812
ISHARES TR CORE S&P500 ETF 464287200 24,355 51,060 SH   SOLE 0 0 0 51,060
ISHARES TR RUSSELL 2000 ETF 464287655 1,125 5,057 SH   SOLE 0 0 0 5,057
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,619 52,422 SH   SOLE 0 0 0 52,422
J P MORGAN EXCHANGE-TRADED F BETABULDRS JAPAN 46641Q217 1,621 29,434 SH   SOLE 0 0 0 29,434
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 2,939 57,367 SH   SOLE 0 0 0 57,367
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 616 6,068 SH   SOLE 0 0 0 6,068
PIMCO ETF TR INTER MUN BD ACT 72201R866 411 7,312 SH   SOLE 0 0 0 7,312
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,038 33,483 SH   SOLE 0 0 0 33,483
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,197 2,520 SH   SOLE 0 0 0 2,520
SPDR SER TR S&P 600 SMCP VAL 78464A300 696 8,217 SH   SOLE 0 0 0 8,217
SPDR SER TR PORTFOLIO S&P600 78468R853 438 9,804 SH   SOLE 0 0 0 9,804
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 320 11,191 SH   SOLE 0 0 0 11,191
VANECK ETF TRUST VANECK SHRT MUNI 92189F528 1,682 93,896 SH   SOLE 0 0 0 93,896
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 816 10,725 SH   SOLE 0 0 0 10,725
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 210 2,603 SH   SOLE 0 0 0 2,603
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,199 37,751 SH   SOLE 0 0 0 37,751
VANGUARD INDEX FDS VALUE ETF 922908744 2,071 14,075 SH   SOLE 0 0 0 14,075
VANGUARD INDEX FDS MID CAP ETF 922908629 2,347 9,212 SH   SOLE 0 0 0 9,212
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,886 45,089 SH   SOLE 0 0 0 45,089
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 934 18,881 SH   SOLE 0 0 0 18,881
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 304 5,537 SH   SOLE 0 0 0 5,537
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,177 17,708 SH   SOLE 0 0 0 17,708
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 224 2,510 SH   SOLE 0 0 0 2,510
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 484 2,819 SH   SOLE 0 0 0 2,819
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,506 49,077 SH   SOLE 0 0 0 49,077
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 299 2,669 SH   SOLE 0 0 0 2,669
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 940 9,735 SH   SOLE 0 0 0 9,735
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,071 5,357 SH   SOLE 0 0 0 5,357