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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   1,281,517 7,771 SH   SOLE   0 0 7,771
ISHARES TR CORE S&P500 ETF 464287200   102,214,214 248,648 SH   SOLE   0 0 248,648
ISHARES TR CORE US AGGBD ET 464287226   277,531 2,785 SH   SOLE   0 0 2,785
ISHARES TR RUS 1000 VAL ETF 464287598   355,984 2,338 SH   SOLE   0 0 2,338
ISHARES TR RUS 1000 GRW ETF 464287614   417,560 1,709 SH   SOLE   0 0 1,709
ISHARES TR RUS 1000 ETF 464287622   1,782,245 7,913 SH   SOLE   0 0 7,913
ISHARES TR RUS 2000 VAL ETF 464287630   261,571 1,909 SH   SOLE   0 0 1,909
ISHARES TR CORE S&P SCP ETF 464287804   1,991,923 20,599 SH   SOLE   0 0 20,599
ISHARES TR SHRT NAT MUN ETF 464288158   4,361,388 41,664 SH   SOLE   0 0 41,664
ISHARES TR NEW YORK MUN ETF 464288323   955,635 17,859 SH   SOLE   0 0 17,859
ISHARES TR NATIONAL MUN ETF 464288414   20,165,696 187,170 SH   SOLE   0 0 187,170
ISHARES TR MSCI USA ESG SLC 464288802   313,163 3,568 SH   SOLE   0 0 3,568
JOHNSON & JOHNSON COM 478160104   380,370 2,454 SH   SOLE   0 0 2,454
MICROSOFT CORP COM 594918104   219,973 763 SH   SOLE   0 0 763
NOVO-NORDISK A S ADR 670100205   243,007 1,527 SH   SOLE   0 0 1,527
PEPSICO INC COM 713448108   1,640,095 8,997 SH   SOLE   0 0 8,997
PROCTER AND GAMBLE CO COM 742718109   365,926 2,461 SH   SOLE   0 0 2,461
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   6,048,266 39,272 SH   SOLE   0 0 39,272
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   213,407 2,790 SH   SOLE   0 0 2,790
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,757,538 105,325 SH   SOLE   0 0 105,325
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,621,957 15,374 SH   SOLE   0 0 15,374
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   817,492 13,196 SH   SOLE   0 0 13,196
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,493,775 160,737 SH   SOLE   0 0 160,737
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,090,846 80,751 SH   SOLE   0 0 80,751
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   207,215 551 SH   SOLE   0 0 551
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   565,909 4,221 SH   SOLE   0 0 4,221
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   680,556 3,492 SH   SOLE   0 0 3,492
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   294,211 3,543 SH   SOLE   0 0 3,543
VANGUARD INDEX FDS SML CP GRW ETF 922908595   584,523 2,701 SH   SOLE   0 0 2,701
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,365,177 8,599 SH   SOLE   0 0 8,599
VANGUARD INDEX FDS GROWTH ETF 922908736   759,794 3,046 SH   SOLE   0 0 3,046
VANGUARD INDEX FDS VALUE ETF 922908744   551,059 3,990 SH   SOLE   0 0 3,990
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,697,752 24,782 SH   SOLE   0 0 24,782
YUM BRANDS INC COM 988498101   226,666 1,716 SH   SOLE   0 0 1,716
DESTINATION XL GROUP INC COM 25065K104   64,252 11,661 SH   SOLE   0 0 11,661
EXXON MOBIL CORP COM 30231G102   448,180 4,087 SH   SOLE   0 0 4,087
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   383,851 7,536 SH   SOLE   0 0 7,536
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   686,840 48,301 SH   SOLE   0 0 48,301
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,418,075 9,045 SH   SOLE   0 0 9,045
ISHARES TR CORE MSCI EAFE 46432F842   532,371 7,964 SH   SOLE   0 0 7,964
ISHARES INC CORE MSCI EMKT 46434G103   798,448 16,365 SH   SOLE   0 0 16,365
ISHARES TR 0-5YR HI YL CP 46434V407   598,900 14,369 SH   SOLE   0 0 14,369
NUSHARES ETF TR NUVEEN ENHNC YLD 67092P102   380,588 18,106 SH   SOLE   0 0 18,106
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   207,290 5,854 SH   SOLE   0 0 5,854
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   487,741 17,345 SH   SOLE   0 0 17,345
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888   681,799 25,374 SH   SOLE   0 0 25,374
PIMCO ETF TR INTER MUN BD ACT 72201R866   428,846 8,206 SH   SOLE   0 0 8,206
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   56,980,318 1,669,508 SH   SOLE   0 0 1,669,508
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   619,664 15,055 SH   SOLE   0 0 15,055
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   841,672 27,177 SH   SOLE   0 0 27,177
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   49,472,932 1,540,253 SH   SOLE   0 0 1,540,253
SPDR SER TR BLOOMBERG EMERGI 78464A391   846,402 39,887 SH   SOLE   0 0 39,887
SPDR SER TR PORTFOLIO AGRGTE 78464A649   51,697,346 2,004,550 SH   SOLE   0 0 2,004,550
SPDR SER TR PORTFOLIO S&P500 78464A854   6,923,178 143,784 SH   SOLE   0 0 143,784
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   558,300 13,466 SH   SOLE   0 0 13,466
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   22,336,388 544,392 SH   SOLE   0 0 544,392
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   13,246,203 144,263 SH   SOLE   0 0 144,263
SPDR SER TR PORTFOLIO S&P600 78468R853   14,520,458 384,444 SH   SOLE   0 0 384,444
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   1,131,124 59,439 SH   SOLE   0 0 59,439
VERIZON COMMUNICATIONS INC COM 92343V104   210,320 5,408 SH   SOLE   0 0 5,408
WISDOMTREE TR EMER MKT HIGH FD 97717W315   2,918,492 77,086 SH   SOLE   0 0 77,086
WISDOMTREE TR US SMALLCAP DIVD 97717W604   367,767 12,877 SH   SOLE   0 0 12,877
WISDOMTREE TR INTL EQUITY FD 97717W703   216,861 4,361 SH   SOLE   0 0 4,361
WISDOMTREE TR YIELD ENHANCD US 97717X511   369,923 8,467 SH   SOLE   0 0 8,467