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 224 14,612 SH   SOLE 0 0 0 14,612
CION INVT CORP COM 17259U204 165 19,374 SH   SOLE 0 0 0 19,374
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 244 6,511 SH   SOLE 0 0 0 6,511
GLOBAL X FDS NASDAQ 100 COVER 37954Y483 424 27,071 SH   SOLE 0 0 0 27,071
GLOBAL X FDS GLB X SUPERDIV 37950E549 305 40,458 SH   SOLE 0 0 0 40,458
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827 759 32,449 SH   SOLE 0 0 0 32,449
INVESCO QQQ TR UNIT SER 1 46090E103 312 1,166 SH   SOLE 0 0 0 1,166
ISHARES INC MSCI GERMANY ETF 464286806 482 24,395 SH   SOLE 0 0 0 24,395
ISHARES INC ESG AWR MSCI EM 46434G863 780 28,203 SH   SOLE 0 0 0 28,203
ISHARES INC MSCI EMERG MRKT 464286533 3,046 60,112 SH   SOLE 0 0 0 60,112
ISHARES INC CORE MSCI EMKT 46434G103 592 13,766 SH   SOLE 0 0 0 13,766
ISHARES TR CORE MSCI TOTAL 46432F834 5,042 99,012 SH   SOLE 0 0 0 99,012
ISHARES TR CORE MSCI EAFE 46432F842 1,203 22,832 SH   SOLE 0 0 0 22,832
ISHARES TR CORE TOTAL USD 46434V613 4,526 101,699 SH   SOLE 0 0 0 101,699
ISHARES TR US TREAS BD ETF 46429B267 7,538 331,186 SH   SOLE 0 0 0 331,186
ISHARES TR MSCI USA MIN VOL 46429B697 1,641 24,822 SH   SOLE 0 0 0 24,822
ISHARES TR CORE HIGH DV ETF 46429B663 1,882 20,615 SH   SOLE 0 0 0 20,615
ISHARES TR MSCI CHINA ETF 46429B671 571 13,409 SH   SOLE 0 0 0 13,409
ISHARES TR FALN ANGLS USD 46435G474 282 11,810 SH   SOLE 0 0 0 11,810
ISHARES TR ESG AWR MSCI USA 46435G425 14,152 178,215 SH   SOLE 0 0 0 178,215
ISHARES TR US INFRASTRUC 46435U713 834 25,864 SH   SOLE 0 0 0 25,864
ISHARES TR IBONDS DEC23 ETF 46434VAX8 554 22,204 SH   SOLE 0 0 0 22,204
ISHARES TR IBONDS DEC25 ETF 46434VBD1 310 12,845 SH   SOLE 0 0 0 12,845
ISHARES TR IBONDS DEC22 ETF 46434VBA7 281 11,228 SH   SOLE 0 0 0 11,228
ISHARES TR IBONDS DEC24 ETF 46434VBG4 319 13,081 SH   SOLE 0 0 0 13,081
ISHARES TR CONV BD ETF 46435G102 632 9,177 SH   SOLE 0 0 0 9,177
ISHARES TR MSCI INTL VLU FT 46435G409 215 10,884 SH   SOLE 0 0 0 10,884
ISHARES TR GLOBAL TECH ETF 464287291 324 7,687 SH   SOLE 0 0 0 7,687
ISHARES TR U.S. ENERGY ETF 464287796 671 17,079 SH   SOLE 0 0 0 17,079
ISHARES TR MSCI UK ETF NEW 46435G334 793 30,265 SH   SOLE 0 0 0 30,265
ISHARES TR CORE S&P SCP ETF 464287804 4,259 48,850 SH   SOLE 0 0 0 48,850
ISHARES TR CORE S&P500 ETF 464287200 34,430 95,999 SH   SOLE 0 0 0 95,999
ISHARES TR 1 3 YR TREAS BD 464287457 1,612 19,854 SH   SOLE 0 0 0 19,854
ISHARES TR CORE US AGGBD ET 464287226 447 4,637 SH   SOLE 0 0 0 4,637
ISHARES TR TIPS BD ETF 464287176 1,589 15,148 SH   SOLE 0 0 0 15,148
ISHARES TR SHORT TREAS BD 464288679 16,403 149,117 SH   SOLE 0 0 0 149,117
ISHARES TR USD INV GRDE ETF 464288620 2,145 44,644 SH   SOLE 0 0 0 44,644
ISHARES TR ISHS 1-5YR INVS 464288646 381 7,737 SH   SOLE 0 0 0 7,737
ISHARES TR 10-20 YR TRS ETF 464288653 1,031 9,464 SH   SOLE 0 0 0 9,464
ISHARES TR EAFE VALUE ETF 464288877 6,672 173,171 SH   SOLE 0 0 0 173,171
ISHARES TR EAFE GRWTH ETF 464288885 5,000 68,911 SH   SOLE 0 0 0 68,911
ISHARES TR MBS ETF 464288588 1,953 21,330 SH   SOLE 0 0 0 21,330
ISHARES TR NATIONAL MUN ETF 464288414 316 3,082 SH   SOLE 0 0 0 3,082
ISHARES TR JPMORGAN USD EMG 464288281 210 2,647 SH   SOLE 0 0 0 2,647
ISHARES TR SHRT NAT MUN ETF 464288158 895 8,716 SH   SOLE 0 0 0 8,716
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 680 19,025 SH   SOLE 0 0 0 19,025
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 964 23,616 SH   SOLE 0 0 0 23,616
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 1,100 22,515 SH   SOLE 0 0 0 22,515
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 736 7,448 SH   SOLE 0 0 0 7,448
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 331 6,854 SH   SOLE 0 0 0 6,854
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 570 24,324 SH   SOLE 0 0 0 24,324
SPDR S&P 500 ETF TR TR UNIT 78462F103 931 2,607 SH   SOLE 0 0 0 2,607
SPDR SER TR S&P 600 SMCP VAL 78464A300 626 9,323 SH   SOLE 0 0 0 9,323
SPDR SER TR PORTFOLIO S&P500 78464A854 282 6,718 SH   SOLE 0 0 0 6,718
SPDR SER TR BLOOMBERG HIGH Y 78468R622 348 3,964 SH   SOLE 0 0 0 3,964
SPDR SER TR NUVEEN BLMBRG MU 78468R721 234 5,326 SH   SOLE 0 0 0 5,326
SPDR SER TR PORTFOLIO S&P600 78468R853 348 10,209 SH   SOLE 0 0 0 10,209
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 660 10,998 SH   SOLE 0 0 0 10,998
VANECK ETF TRUST VANECK SHRT MUNI 92189F528 1,561 93,896 SH   SOLE 0 0 0 93,896
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,205 30,910 SH   SOLE 0 0 0 30,910
VANGUARD INDEX FDS VALUE ETF 922908744 834 6,754 SH   SOLE 0 0 0 6,754
VANGUARD INDEX FDS MID CAP ETF 922908629 1,680 8,938 SH   SOLE 0 0 0 8,938
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,387 41,160 SH   SOLE 0 0 0 41,160
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 570 15,613 SH   SOLE 0 0 0 15,613
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 652 11,177 SH   SOLE 0 0 0 11,177
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 699 5,170 SH   SOLE 0 0 0 5,170
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,937 53,275 SH   SOLE 0 0 0 53,275
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 247 2,607 SH   SOLE 0 0 0 2,607
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 229 2,780 SH   SOLE 0 0 0 2,780
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 531 3,092 SH   SOLE 0 0 0 3,092
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 546 7,338 SH   SOLE 0 0 0 7,338