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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN PHYSICAL GOLD SHARES ETF Exchange Traded Fund 00326A104 54 2,890 SH   SOLE   0 0 2,890
ADASINA SOCIAL JUSTICE ALL CAP GLOBAL ETF Exchange Traded Fund 886364876 4,882 295,000 SH   SOLE   0 0 295,000
ADVISORSHARES HOTEL ETF Exchange Traded Fund 00768Y396 472 17,460 SH   SOLE   0 0 17,460
ALERIAN MLP ETF Exchange Traded Fund 00162Q452 38 37,685 SH   SOLE   0 0 37,685
BLACKROCK SHORT MATURITY BOND ETF Exchange Traded Fund 46431W507 15 313 SH   SOLE   0 0 313
CONSUMER DISCRETIONARY SEL SECTOR SPDR FD Exchange Traded Fund 81369Y407 286 1,575 SH   SOLE   0 0 1,575
FINANCIAL SELECT SECTOR SPDR FUND Exchange Traded Fund 81369Y605 1,932 51,014 SH   SOLE   0 0 51,014
FIRST TRUST GLOBAL TACTICAL COMMODITY STRATEGY FUND Exchange Traded Fund 33739H101 30 1,000 SH   SOLE   0 0 1,000
FLEXSHARES STOXX GLOBAL BROAD INFRASTRUCTURE INDEX FUND Exchange Traded Fund 33939L795 32 545 SH   SOLE   0 0 545
GLOBAL X MLP & ENERGY INFRASTRUCTURE ETF Exchange Traded Fund 37954Y293 3,007 67,056 SH   SOLE   0 0 67,056
HARTFORD MULTIFACTOR DEVELOPED MARKETS (EX-US) ETF Exchange Traded Fund 518416102 16 535 SH   SOLE   0 0 535
INVESCO SOLAR ETF Exchange Traded Fund 46138G706 0 5 SH   SOLE   0 0 5
ISHARES 1-3 YEAR TREASURY BOND ETF Exchange Traded Fund 464287457 95 1,149 SH   SOLE   0 0 1,149
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF Exchange Traded Fund 464288646 124 2,418 SH   SOLE   0 0 2,418
ISHARES 3-7 YEAR TREASURY BOND ETF Exchange Traded Fund 464288661 77 645 SH   SOLE   0 0 645
ISHARES 7-10 YEAR TREASURY BOND ETF Exchange Traded Fund 464287440 75 724 SH   SOLE   0 0 724
ISHARES AMT-FREE MUNI BOND ETF Exchange Traded Fund 464288414 1,539 14,350 SH   SOLE   0 0 14,350
ISHARES COHEN & STEERS REIT ETF Exchange Traded Fund 464287564 121 1,627 SH   SOLE   0 0 1,627
ISHARES CORE MSCI EAFE Exchange Traded Fund 46432F842 7,644 111,819 SH   SOLE   0 0 111,819
ISHARES CORE MSCI EMERGING MKTS Exchange Traded Fund 46434G103 8,028 148,941 SH   SOLE   0 0 148,941
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF Exchange Traded Fund 46432F834 2,638 369,286 SH   SOLE   0 0 369,286
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 12,254 27,441 SH   SOLE   0 0 27,441
ISHARES GOLD TRUST ETF Exchange Traded Fund 464285204 3,041 81,699 SH   SOLE   0 0 81,699
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF Exchange Traded Fund 464288513 63 785 SH   SOLE   0 0 785
ISHARES MSCI ACWI EX US INDEX FUND Exchange Traded Fund 464288240 2,987 58,345 SH   SOLE   0 0 58,345
ISHARES MSCI CHINA ETF Exchange Traded Fund 46429B671 0 2 SH   SOLE   0 0 2
ISHARES MSCI EAFE ETF Exchange Traded Fund 464287465 464 6,412 SH   SOLE   0 0 6,412
ISHARES MSCI EAFE VALUE ETF Exchange Traded Fund 464288877 427 8,500 SH   SOLE   0 0 8,500
ISHARES MSCI EMERGING MARKETS ETF Exchange Traded Fund 464287234 47 1,069 SH   SOLE   0 0 1,069
ISHARES MSCI USA MIN VOL FACTOR ETF Exchange Traded Fund 46429B697 12 159 SH   SOLE   0 0 159
ISHARES RUSSELL 1000 GROWTH ETF Exchange Traded Fund 464287614 2,220 8,389 SH   SOLE   0 0 8,389
ISHARES RUSSELL 1000 VALUE ETF Exchange Traded Fund 464287598 8,386 785,339 SH   SOLE   0 0 785,339
ISHARES RUSSELL 2000 ETF Exchange Traded Fund 464287655 1,912 9,448 SH   SOLE   0 0 9,448
ISHARES RUSSELL 2000 GROWTH INDEX Exchange Traded Fund 464287648 1,322 5,334 SH   SOLE   0 0 5,334
ISHARES RUSSELL 2000 VALUE Exchange Traded Fund 464287630 9,360 943,512 SH   SOLE   0 0 943,512
ISHARES S&P 500 VALUE ETF Exchange Traded Fund 464287408 66 418 SH   SOLE   0 0 418
ISHARES S&P MIDCAP FUND Exchange Traded Fund 464287507 3,193 11,855 SH   SOLE   0 0 11,855
ISHARES S&P SMALL-CAP FUND Exchange Traded Fund 464287804 3,873 36,012 SH   SOLE   0 0 36,012
ISHARES SHORT TREASURY BOND ETF Exchange Traded Fund 464288679 97 883 SH   SOLE   0 0 883
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF Exchange Traded Fund 464288158 308 2,974 SH   SOLE   0 0 2,974
ISHARES TIPS BOND ETF Exchange Traded Fund 464287176 681 5,610 SH   SOLE   0 0 5,610
ISHARES TR MSCI ACWIINDEX FD Exchange Traded Fund 464288257 15 148 SH   SOLE   0 0 148
ISHARES TR RUSSELL 1000 INDEX ETF Exchange Traded Fund 464287622 1,749 7,107 SH   SOLE   0 0 7,107
ISHARES TR RUSSELL MIDCAP INDEX FD Exchange Traded Fund 464287499 898 11,480 SH   SOLE   0 0 11,480
ISHARES U.S. TRANSPORTATION ETF Exchange Traded Fund 464287192 874 3,462 SH   SOLE   0 0 3,462
JPMORGAN ULTRA-SHORT INCOME ETF Exchange Traded Fund 46641Q837 139 2,765 SH   SOLE   0 0 2,765
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF Exchange Traded Fund 46641Q654 2,739 54,268 SH   SOLE   0 0 54,268
PIMCO ENHANCED SHORT MATURITY ACTIVE ESG EXCHANGE-TRADED FUND Exchange Traded Fund 72201R643 2,887 29,170 SH   SOLE   0 0 29,170
PIMCO ENHANCED SHORT MATURITY ETF Exchange Traded Fund 72201R833 9,322 593,974 SH   SOLE   0 0 593,974
POWERSHARES FTSE RAFI US 1000 Exchange Traded Fund 46137V613 3,527 20,417 SH   SOLE   0 0 20,417
S & P MID CAP 400 DEP RCPTS MID CAP Exchange Traded Fund 78467Y107 1,507 3,060 SH   SOLE   0 0 3,060
SCHWAB EMERGING MARKETS EQUITY ETF Exchange Traded Fund 808524706 690 25,580 SH   SOLE   0 0 25,580
SCHWAB ETFS- US BROAD MARKET ETF Exchange Traded Fund 808524102 136 2,591 SH   SOLE   0 0 2,591
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF Exchange Traded Fund 808524771 6,709 113,147 SH   SOLE   0 0 113,147
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF Exchange Traded Fund 808524763 2 30 SH   SOLE   0 0 30
SCHWAB INTERNATIONAL EQUITY ETF Exchange Traded Fund 808524805 1,885 52,125 SH   SOLE   0 0 52,125
SCHWAB U.S. LARGE-CAP ETF Exchange Traded Fund 808524201 1,743 32,922 SH   SOLE   0 0 32,922
SCHWAB U.S. MID-CAP ETF Exchange Traded Fund 808524508 1,886 24,791 SH   SOLE   0 0 24,791
SCHWAB U.S. REIT ETF Exchange Traded Fund 808524847 1,909 73,492 SH   SOLE   0 0 73,492
SCHWAB U.S. SMALL-CAP ETF Exchange Traded Fund 808524607 391 8,317 SH   SOLE   0 0 8,317
SCHWAB US AGGREGATE BOND ETF Exchange Traded Fund 808524839 532 10,891 SH   SOLE   0 0 10,891
SCHWAB US DIVIDEND EQUITY ETF Exchange Traded Fund 808524797 119 1,485 SH   SOLE   0 0 1,485
SCHWAB US LARGE CAP GROWTH ETF Exchange Traded Fund 808524300 10,380 146,604 SH   SOLE   0 0 146,604
SCHWAB US LARGE CAP VALUE ETF Exchange Traded Fund 808524409 22,946 317,375 SH   SOLE   0 0 317,375
SPDR BLOOMBERG INTERNATIONAL TREASURY BOND ETF Exchange Traded Fund 78464A516 78 3,100 SH   SOLE   0 0 3,100
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF Exchange Traded Fund 78468R200 421 13,812 SH   SOLE   0 0 13,812
SPDR DOW JONES REIT ETF Exchange Traded Fund 78464A607 299 2,460 SH   SOLE   0 0 2,460
SPDR GOLD ETF Exchange Traded Fund 78463V107 564 3,089 SH   SOLE   0 0 3,089
SPDR HIGH YIELD BOND ETF Exchange Traded Fund 78468R622 15 149 SH   SOLE   0 0 149
SPDR NUVEEN BLOOMBERG SHORT TERM MUNICIPAL BOND ETF Exchange Traded Fund 78468R739 222 4,745 SH   SOLE   0 0 4,745
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF Exchange Traded Fund 78463X889 1,718 50,957 SH   SOLE   0 0 50,957
SPDR PORTFOLIO S&P 500 GROWTH ETF Exchange Traded Fund 78464A409 581 9,231 SH   SOLE   0 0 9,231
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF Exchange Traded Fund 78464A474 101 3,357 SH   SOLE   0 0 3,357
SPDR S&P 500 ETF Exchange Traded Fund 78462F103 17,908 2,461,861 SH   SOLE   0 0 2,461,861
SPDR S&P 600 SMALL CAP GROWTH ETF Exchange Traded Fund 78464A201 11 134 SH   SOLE   0 0 134
SPDR S&P 600 SMALL CAP VALUE ETF Exchange Traded Fund 78464A300 21 245 SH   SOLE   0 0 245
SPDR S&P INTERNATIONAL SMALL CAP ETF Exchange Traded Fund 78463X871 3 76 SH   SOLE   0 0 76
SPDR SER TR S&P DIVID ETF Exchange Traded Fund 78464A763 173 1,311 SH   SOLE   0 0 1,311
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803 20 132 SH   SOLE   0 0 132
TORTOISE NORTH AMERICAN PIPELINE FUND Exchange Traded Fund 56167N720 5,403 696,476 SH   SOLE   0 0 696,476
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886 4,605 59,975 SH   SOLE   0 0 59,975
VANECK RUSSIA ETF Exchange Traded Fund 92189F403 88 15,590 SH   SOLE   0 0 15,590
VANGUARD DIVIDEND APPRECIATION INDEX FUND Exchange Traded Fund 921908844 2,297 14,049 SH   SOLE   0 0 14,049
VANGUARD ESG INTERNATIONAL STOCK ETF Exchange Traded Fund 921910725 5,281 94,500 SH   SOLE   0 0 94,500
VANGUARD EUROPEAN Exchange Traded Fund 922042874 377 6,074 SH   SOLE   0 0 6,074
VANGUARD FTSE ALL WORLD EX-US ETF Exchange Traded Fund 922042718 3,701 30,262 SH   SOLE   0 0 30,262
VANGUARD FTSE ALL-WORLD EX-US Exchange Traded Fund 922042775 25 440 SH   SOLE   0 0 440
VANGUARD FTSE DEVELOPED MARKETS ETF Exchange Traded Fund 921943858 2,365 49,927 SH   SOLE   0 0 49,927
VANGUARD FTSE EMERGING MARKETS ETF Exchange Traded Fund 922042858 1,025 22,914 SH   SOLE   0 0 22,914
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX Exchange Traded Fund 922042676 128 2,521 SH   SOLE   0 0 2,521
VANGUARD GROWTH ETF Exchange Traded Fund 922908736 7 26 SH   SOLE   0 0 26
VANGUARD HIGH DIVIDEND YIELD ETF Exchange Traded Fund 921946406 180 1,574 SH   SOLE   0 0 1,574
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF Exchange Traded Fund 92206C870 76 919 SH   SOLE   0 0 919
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF Exchange Traded Fund 921946810 104 1,331 SH   SOLE   0 0 1,331
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF Exchange Traded Fund 921946794 54 800 SH   SOLE   0 0 800
VANGUARD LONG-TERM BOND INDEX FUND Exchange Traded Fund 921937793 1,004 11,870 SH   SOLE   0 0 11,870
VANGUARD PACIFIC STOCK Exchange Traded Fund 922042866 289 4,035 SH   SOLE   0 0 4,035
VANGUARD REIT INDEX ETF Exchange Traded Fund 922908553 4,182 37,176 SH   SOLE   0 0 37,176
VANGUARD RUSSELL 1000 ETF Exchange Traded Fund 92206C730 1,488 7,311 SH   SOLE   0 0 7,311
VANGUARD RUSSELL 1000 VALUE ETF Exchange Traded Fund 92206C714 35 480 SH   SOLE   0 0 480
VANGUARD S&P 500 ETF Exchange Traded Fund 922908363 22,169 54,242 SH   SOLE   0 0 54,242
VANGUARD S&P MID-CAP 400 ETF Exchange Traded Fund 921932885 156 854 SH   SOLE   0 0 854
VANGUARD SHORT-TERM BOND INDEX FUND Exchange Traded Fund 921937827 631 8,173 SH   SOLE   0 0 8,173
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND Exchange Traded Fund 92206C409 98 1,272 SH   SOLE   0 0 1,272
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF Exchange Traded Fund 922020805 101 2,000 SH   SOLE   0 0 2,000
VANGUARD SMALL CAP ETF Exchange Traded Fund 922908751 823 3,880 SH   SOLE   0 0 3,880
VANGUARD SMALL CAP GROWTH ETF Exchange Traded Fund 922908595 497 2,058 SH   SOLE   0 0 2,058
VANGUARD SMALL CAP VALUE ETF Exchange Traded Fund 922908611 13,287 74,546 SH   SOLE   0 0 74,546
VANGUARD TAX-EXEMPT BOND ETF Exchange Traded Fund 922907746 6,397 1,580,771 SH   SOLE   0 0 1,580,771
VANGUARD TOTAL BOND MARKET INDEX FUND Exchange Traded Fund 921937835 540 7,028 SH   SOLE   0 0 7,028
VANGUARD TOTAL INTERNATIONAL STOCK ETF Exchange Traded Fund 921909768 237 4,037 SH   SOLE   0 0 4,037
VANGUARD TOTAL STOCK MARKET INDEX FUND Exchange Traded Fund 922908769 420 1,875 SH   SOLE   0 0 1,875
VANGUARD VALUE ETF Exchange Traded Fund 922908744 4,981 33,031 SH   SOLE   0 0 33,031
WISDOMTREE INTERNATIONAL HIGH DIVIDEND FUND Exchange Traded Fund 97717W802 5 130 SH   SOLE   0 0 130