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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DBX ETF TR XTRACK MSCI EURP 233051853 2,850 92,092 SH   SOLE   92,092 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 2,759 27,550 SH   SOLE   27,550 0 0
INDEXIQ ETF TR HDGD FTSE INTL 45409B560 157,436 6,355,907 SH   SOLE   6,355,907 0 0
INDEXIQ ETF TR IQ 500 INT ETF 45409B362 236,225 7,240,721 SH   SOLE   7,240,721 0 0
INDEXIQ ETF TR IQ CANDRM ESG US 45409B461 433,140 11,770,940 SH   SOLE   11,770,940 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B388 306,600 9,191,885 SH   SOLE   9,191,885 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B396 167,273 4,698,047 SH   SOLE   4,698,047 0 0
INDEXIQ ETF TR IQ CNDRM ESG INT 45409B453 180,847 6,099,394 SH   SOLE   6,099,394 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 10,837 489,245 SH   SOLE   489,245 0 0
ISHARES INC CORE MSCI EMKT 46434G103 4,757 71,015 SH   SOLE   71,015 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 7,468 162,142 SH   SOLE   162,142 0 0
ISHARES TR BROAD USD HIGH 46435U853 2,807 67,287 SH   SOLE   67,287 0 0
ISHARES TR CORE MSCI EAFE 46432F842 28,638 382,560 SH   SOLE   382,560 0 0
ISHARES TR CORE S&P MCP ETF 464287507 2,144 7,980 SH   SOLE   7,980 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,382 12,236 SH   SOLE   12,236 0 0
ISHARES TR CORE US AGGBD ET 464287226 13,198 114,437 SH   SOLE   114,437 0 0
ISHARES TR EAFE SML CP ETF 464288273 5,165 69,647 SH   SOLE   69,647 0 0
ISHARES TR INTRM GOV CR ETF 464288612 24,437 211,356 SH   SOLE   211,356 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 21,773 137,268 SH   SOLE   137,268 0 0
ISHARES TR SHORT TREAS BD 464288679 17,402 157,474 SH   SOLE   157,474 0 0
ISHARES TR USD INV GRDE ETF 464288620 6,602 108,957 SH   SOLE   108,957 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 13,198 241,723 SH   SOLE   241,723 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,863 62,134 SH   SOLE   62,134 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,212 78,827 SH   SOLE   78,827 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 5,908 64,581 SH   SOLE   64,581 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 1,274 37,482 SH   SOLE   37,482 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 16,112 67,881 SH   SOLE   67,881 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,356 55,770 SH   SOLE   55,770 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 33,021 216,761 SH   SOLE   216,761 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 10,187 102,260 SH   SOLE   102,260 0 0