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
APPLE INC COM 037833100 1,073 7,761 SH   SOLE   0 0 7,761
DESTINATION XL GROUP INC COM 25065K104 63 11,661 SH   SOLE   0 0 11,661
EXXON MOBIL CORP COM 30231G102 357 4,087 SH   SOLE   0 0 4,087
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 359 7,375 SH   SOLE   0 0 7,375
FIRST TR EXCH TRADED FD III ULTRA SHT DUR MU 33740J104 332 16,729 SH   SOLE   0 0 16,729
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 827 51,091 SH   SOLE   0 0 51,091
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,267 9,127 SH   SOLE   0 0 9,127
ISHARES TR CORE S&P500 ETF 464287200 87,265 243,316 SH   SOLE   0 0 243,316
ISHARES TR CORE US AGGBD ET 464287226 259 2,693 SH   SOLE   0 0 2,693
ISHARES TR RUS 1000 VAL ETF 464287598 305 2,244 SH   SOLE   0 0 2,244
ISHARES TR RUS 1000 GRW ETF 464287614 309 1,469 SH   SOLE   0 0 1,469
ISHARES TR RUS 1000 ETF 464287622 1,499 7,596 SH   SOLE   0 0 7,596
ISHARES TR RUS 2000 VAL ETF 464287630 246 1,909 SH   SOLE   0 0 1,909
ISHARES TR CORE S&P SCP ETF 464287804 1,314 15,066 SH   SOLE   0 0 15,066
ISHARES TR SHRT NAT MUN ETF 464288158 4,001 38,973 SH   SOLE   0 0 38,973
ISHARES TR NEW YORK MUN ETF 464288323 844 16,683 SH   SOLE   0 0 16,683
ISHARES TR NATIONAL MUN ETF 464288414 17,949 174,978 SH   SOLE   0 0 174,978
ISHARES TR MSCI USA ESG SLC 464288802 349 4,603 SH   SOLE   0 0 4,603
ISHARES TR CORE MSCI EAFE 46432F842 384 7,284 SH   SOLE   0 0 7,284
ISHARES INC CORE MSCI EMKT 46434G103 705 16,402 SH   SOLE   0 0 16,402
ISHARES TR 0-5YR HI YL CP 46434V407 423 10,598 SH   SOLE   0 0 10,598
NUSHARES ETF TR NUVEEN ENHNC YLD 67092P102 321 15,765 SH   SOLE   0 0 15,765
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 223 9,985 SH   SOLE   0 0 9,985
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 327 13,945 SH   SOLE   0 0 13,945
PEPSICO INC COM 713448108 1,452 8,895 SH   SOLE   0 0 8,895
PIMCO ETF TR INTER MUN BD ACT 72201R866 386 7,697 SH   SOLE   0 0 7,697
PROCTER AND GAMBLE CO COM 742718109 311 2,461 SH   SOLE   0 0 2,461
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 50,637 1,631,353 SH   SOLE   0 0 1,631,353
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 311 8,031 SH   SOLE   0 0 8,031
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 477 18,312 SH   SOLE   0 0 18,312
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 39,511 1,531,417 SH   SOLE   0 0 1,531,417
SPDR SER TR BLOOMBERG EMERGI 78464A391 637 33,586 SH   SOLE   0 0 33,586
SPDR SER TR PORTFOLIO AGRGTE 78464A649 47,558 1,906,114 SH   SOLE   0 0 1,906,114
SPDR SER TR PORTFOLIO S&P500 78464A854 5,735 136,592 SH   SOLE   0 0 136,592
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 785 19,218 SH   SOLE   0 0 19,218
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 21,708 540,268 SH   SOLE   0 0 540,268
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 9,733 106,259 SH   SOLE   0 0 106,259
SPDR SER TR PORTFOLIO S&P600 78468R853 13,051 383,163 SH   SOLE   0 0 383,163
SPDR SER TR BLOOMBERG 1 10 Y 78468R861 1,102 60,517 SH   SOLE   0 0 60,517
SELECT SECTOR SPDR TR ENERGY 81369Y506 252 3,500 SH   SOLE   0 0 3,500
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,306 39,256 SH   SOLE   0 0 39,256
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 205 2,735 SH   SOLE   0 0 2,735
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 3,855 106,022 SH   SOLE   0 0 106,022
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,728 18,213 SH   SOLE   0 0 18,213
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 860 16,532 SH   SOLE   0 0 16,532
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,794 158,784 SH   SOLE   0 0 158,784
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,726 77,396 SH   SOLE   0 0 77,396
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 494 4,054 SH   SOLE   0 0 4,054
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 593 3,476 SH   SOLE   0 0 3,476
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 258 3,217 SH   SOLE   0 0 3,217
VANGUARD INDEX FDS SML CP GRW ETF 922908595 518 2,653 SH   SOLE   0 0 2,653
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,212 8,451 SH   SOLE   0 0 8,451
VANGUARD INDEX FDS GROWTH ETF 922908736 589 2,752 SH   SOLE   0 0 2,752
VANGUARD INDEX FDS VALUE ETF 922908744 493 3,990 SH   SOLE   0 0 3,990
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,202 24,585 SH   SOLE   0 0 24,585
WISDOMTREE TR EMER MKT HIGH FD 97717W315 2,632 80,901 SH   SOLE   0 0 80,901
WISDOMTREE TR US SMALLCAP DIVD 97717W604 387 15,037 SH   SOLE   0 0 15,037
WISDOMTREE TR YIELD ENHANCD US 97717X511 322 7,632 SH   SOLE   0 0 7,632