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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   389,930 16,728 SH   SOLE Sage Financial Group 0 0 16,728
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396   1,867,313 29,560 SH   SOLE Sage Financial Group 0 0 29,560
HERSHEY CO COM 427866108   240,961 965 SH   SOLE Sage Financial Group 0 0 965
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   276,674 9,275 SH   SOLE Sage Financial Group 0 0 9,275
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   957,699 45,518 SH   SOLE Sage Financial Group 0 0 45,518
INVESCO QQQ TR UNIT SER 1 46090E103   324,003 877 SH   SOLE Sage Financial Group 0 0 877
ISHARES INC CORE MSCI EMKT 46434G103   554,894 11,258 SH   SOLE Sage Financial Group 0 0 11,258
ISHARES INC ESG AWR MSCI EM 46434G863   433,955 13,720 SH   SOLE Sage Financial Group 0 0 13,720
ISHARES INC MSCI EMRG CHN 46434G764   386,992 7,445 SH   SOLE Sage Financial Group 0 0 7,445
ISHARES TR CORE HIGH DV ETF 46429B663   808,467 8,021 SH   SOLE Sage Financial Group 0 0 8,021
ISHARES TR CORE MSCI TOTAL 46432F834   869,546 13,886 SH   SOLE Sage Financial Group 0 0 13,886
ISHARES TR CORE S&P MCP ETF 464287507   55,599,097 212,632 SH   SOLE Sage Financial Group 0 0 212,632
ISHARES TR CORE S&P SCP ETF 464287804   40,488,637 406,308 SH   SOLE Sage Financial Group 0 0 406,308
ISHARES TR CORE S&P TTL STK 464287150   847,494 8,662 SH   SOLE Sage Financial Group 0 0 8,662
ISHARES TR CORE S&P500 ETF 464287200   4,639,626 10,410 SH   SOLE Sage Financial Group 0 0 10,410
ISHARES TR CORE US AGGBD ET 464287226   1,069,810 10,922 SH   SOLE Sage Financial Group 0 0 10,922
ISHARES TR CRE U S REIT ETF 464288521   268,361 5,220 SH   SOLE Sage Financial Group 0 0 5,220
ISHARES TR EAFE GRWTH ETF 464288885   505,483 5,298 SH   SOLE Sage Financial Group 0 0 5,298
ISHARES TR EAFE VALUE ETF 464288877   1,291,821 26,396 SH   SOLE Sage Financial Group 0 0 26,396
ISHARES TR ESG AW MSCI EAFE 46435G516   347,128 4,760 SH   SOLE Sage Financial Group 0 0 4,760
ISHARES TR ESG AWARE MSCI 46435U663   1,322,099 37,221 SH   SOLE Sage Financial Group 0 0 37,221
ISHARES TR ESG AWR MSCI USA 46435G425   243,650 2,500 SH   SOLE Sage Financial Group 0 0 2,500
ISHARES TR ESG AWR US AGRGT 46435U549   219,294 4,649 SH   SOLE Sage Financial Group 0 0 4,649
ISHARES TR ESG SCRD S&P MID 46436E551   586,816 16,474 SH   SOLE Sage Financial Group 0 0 16,474
ISHARES TR GL CLEAN ENE ETF 464288224   479,938 26,084 SH   SOLE Sage Financial Group 0 0 26,084
ISHARES TR GLB INFRASTR ETF 464288372   7,174,753 152,817 SH   SOLE Sage Financial Group 0 0 152,817
ISHARES TR GRWT ALLOCAT ETF 464289867   966,077 18,777 SH   SOLE Sage Financial Group 0 0 18,777
ISHARES TR ISHS 1-5YR INVS 464288646   5,016,148 99,983 SH   SOLE Sage Financial Group 0 0 99,983
ISHARES TR JPMORGAN USD EMG 464288281   1,470,877 16,996 SH   SOLE Sage Financial Group 0 0 16,996
ISHARES TR MRGSTR MD CP VAL 464288406   498,453 7,825 SH   SOLE Sage Financial Group 0 0 7,825
ISHARES TR MSCI ACWI EX US 464288240   3,744,004 76,067 SH   SOLE Sage Financial Group 0 0 76,067
ISHARES TR MSCI EAFE ETF 464287465   427,895 5,902 SH   SOLE Sage Financial Group 0 0 5,902
ISHARES TR MSCI KLD400 SOC 464288570   1,386,569 16,473 SH   SOLE Sage Financial Group 0 0 16,473
ISHARES TR MSCI USA ESG SLC 464288802   404,875 4,324 SH   SOLE Sage Financial Group 0 0 4,324
ISHARES TR MSCI USA MIN VOL 46429B697   365,927 4,923 SH   SOLE Sage Financial Group 0 0 4,923
ISHARES TR RUS 1000 ETF 464287622   1,899,954 7,795 SH   SOLE Sage Financial Group 0 0 7,795
ISHARES TR RUS 1000 GRW ETF 464287614   8,648,343 31,428 SH   SOLE Sage Financial Group 0 0 31,428
ISHARES TR RUS 1000 VAL ETF 464287598   4,284,410 27,146 SH   SOLE Sage Financial Group 0 0 27,146
ISHARES TR RUS 2000 GRW ETF 464287648   305,282 1,258 SH   SOLE Sage Financial Group 0 0 1,258
ISHARES TR RUS 2000 VAL ETF 464287630   451,405 3,206 SH   SOLE Sage Financial Group 0 0 3,206
ISHARES TR RUS MD CP GR ETF 464287481   1,736,145 17,967 SH   SOLE Sage Financial Group 0 0 17,967
ISHARES TR RUS MDCP VAL ETF 464287473   2,897,534 26,380 SH   SOLE Sage Financial Group 0 0 26,380
ISHARES TR RUSSELL 2000 ETF 464287655   443,643 2,369 SH   SOLE Sage Financial Group 0 0 2,369
ISHARES TR S&P 500 GRWT ETF 464287309   374,360 5,312 SH   SOLE Sage Financial Group 0 0 5,312
ISHARES TR S&P 500 VAL ETF 464287408   200,037 1,241 SH   SOLE Sage Financial Group 0 0 1,241
ISHARES TR S&P MC 400GR ETF 464287606   222,975 2,973 SH   SOLE Sage Financial Group 0 0 2,973
ISHARES TR S&P MC 400VL ETF 464287705   344,375 3,215 SH   SOLE Sage Financial Group 0 0 3,215
ISHARES TR SP SMCP600VL ETF 464287879   377,413 3,969 SH   SOLE Sage Financial Group 0 0 3,969
ISHARES TR TIPS BD ETF 464287176   2,721,710 25,290 SH   SOLE Sage Financial Group 0 0 25,290
ISHARES TR US REGNL BKS ETF 464288778   318,986 9,424 SH   SOLE Sage Financial Group 0 0 9,424
ISHARES TR YLD OPTIM BD 46434V787   254,834 11,615 SH   SOLE Sage Financial Group 0 0 11,615
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   2,173,393 43,346 SH   SOLE Sage Financial Group 0 0 43,346
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   482,239 9,521 SH   SOLE Sage Financial Group 0 0 9,521
JOHNSON & JOHNSON COM 478160104   304,557 1,840 SH   SOLE Sage Financial Group 0 0 1,840
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   514,664 8,273 SH   SOLE Sage Financial Group 0 0 8,273
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   624,809 18,032 SH   SOLE Sage Financial Group 0 0 18,032
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   411,995 11,138 SH   SOLE Sage Financial Group 0 0 11,138
PIMCO ETF TR ACTIVE BD ETF 72201R775   248,382 2,711 SH   SOLE Sage Financial Group 0 0 2,711
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   226,729 9,205 SH   SOLE Sage Financial Group 0 0 9,205
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   249,622 7,002 SH   SOLE Sage Financial Group 0 0 7,002
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   274,494 4,768 SH   SOLE Sage Financial Group 0 0 4,768
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   602,435 13,051 SH   SOLE Sage Financial Group 0 0 13,051
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   286,267 5,537 SH   SOLE Sage Financial Group 0 0 5,537
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,292,719 17,801 SH   SOLE Sage Financial Group 0 0 17,801
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   10,561,063 140,908 SH   SOLE Sage Financial Group 0 0 140,908
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   18,425,652 274,641 SH   SOLE Sage Financial Group 0 0 274,641
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   433,537,607 8,278,358 SH   SOLE Sage Financial Group 0 0 8,278,358
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   15,902,157 223,879 SH   SOLE Sage Financial Group 0 0 223,879
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   13,663,178 311,945 SH   SOLE Sage Financial Group 0 0 311,945
SCHWAB STRATEGIC TR US TIPS ETF 808524870   13,428,542 256,123 SH   SOLE Sage Financial Group 0 0 256,123
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   244,134 710 SH   SOLE Sage Financial Group 0 0 710
SPDR GOLD TR GOLD SHS 78463V107   287,728 1,614 SH   SOLE Sage Financial Group 0 0 1,614
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   673,397 25,771 SH   SOLE Sage Financial Group 0 0 25,771
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,088,516 4,712 SH   SOLE Sage Financial Group 0 0 4,712
SPDR SER TR NUVEEN BLMBRG MU 78468R721   4,749,233 102,886 SH   SOLE Sage Financial Group 0 0 102,886
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,454,281 20,297 SH   SOLE Sage Financial Group 0 0 20,297
SPDR SER TR S&P 400 MDCP VAL 78464A839   5,485,825 79,759 SH   SOLE Sage Financial Group 0 0 79,759
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,647,248 21,404 SH   SOLE Sage Financial Group 0 0 21,404
SPDR SER TR S&P 600 SMCP VAL 78464A300   11,825,499 153,200 SH   SOLE Sage Financial Group 0 0 153,200
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   543,132 7,472 SH   SOLE Sage Financial Group 0 0 7,472
VANGUARD INDEX FDS GROWTH ETF 922908736   49,245,006 174,035 SH   SOLE Sage Financial Group 0 0 174,035
VANGUARD INDEX FDS LARGE CAP ETF 922908637   21,989,679 108,473 SH   SOLE Sage Financial Group 0 0 108,473
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   7,245,214 35,210 SH   SOLE Sage Financial Group 0 0 35,210
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   15,009,007 108,462 SH   SOLE Sage Financial Group 0 0 108,462
VANGUARD INDEX FDS MID CAP ETF 922908629   6,438,829 29,246 SH   SOLE Sage Financial Group 0 0 29,246
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,964,633 71,381 SH   SOLE Sage Financial Group 0 0 71,381
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   24,370,578 59,837 SH   SOLE Sage Financial Group 0 0 59,837
VANGUARD INDEX FDS SM CP VAL ETF 922908611   7,108,572 42,978 SH   SOLE Sage Financial Group 0 0 42,978
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,247,375 11,300 SH   SOLE Sage Financial Group 0 0 11,300
VANGUARD INDEX FDS SML CP GRW ETF 922908595   14,101,212 61,379 SH   SOLE Sage Financial Group 0 0 61,379
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,351,017 10,673 SH   SOLE Sage Financial Group 0 0 10,673
VANGUARD INDEX FDS VALUE ETF 922908744   48,411,898 340,689 SH   SOLE Sage Financial Group 0 0 340,689
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   27,931,378 513,350 SH   SOLE Sage Financial Group 0 0 513,350
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,321,338 179,974 SH   SOLE Sage Financial Group 0 0 179,974
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   293,454 4,289 SH   SOLE Sage Financial Group 0 0 4,289
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   457,403 2,816 SH   SOLE Sage Financial Group 0 0 2,816
VANGUARD STAR FDS VG TL INTL STK F 921909768   457,769 8,163 SH   SOLE Sage Financial Group 0 0 8,163
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   311,350 5,000 SH   SOLE Sage Financial Group 0 0 5,000