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
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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
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888   570,774 21,179 SH   SOLE   0 0 21,179
SPDR SER TR BLOOMBERG EMERGI 78464A391   993,947 46,796 SH   SOLE   0 0 46,796
SPDR SER TR PORTFOLIO S&P600 78468R853   16,391,011 388,597 SH   SOLE   0 0 388,597
ISHARES TR RUS 1000 GRW ETF 464287614   515,995 1,702 SH   SOLE   0 0 1,702
EXXON MOBIL CORP COM 30231G102   368,426 3,685 SH   SOLE   0 0 3,685
MICROSOFT CORP COM 594918104   241,794 643 SH   SOLE   0 0 643
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   201,142 1,045 SH   SOLE   0 0 1,045
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,787,978 16,017 SH   SOLE   0 0 16,017
DESTINATION XL GROUP INC COM 25065K104   61,015 13,867 SH   SOLE   0 0 13,867
NUSHARES ETF TR NUVEEN ENHNC YLD 67092P102   393,978 18,647 SH   SOLE   0 0 18,647
ISHARES TR CORE S&P500 ETF 464287200   114,966,883 240,703 SH   SOLE   0 0 240,703
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,485,802 133,474 SH   SOLE   0 0 133,474
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   68,536,611 2,015,190 SH   SOLE   0 0 2,015,190
ISHARES TR MSCI USA ESG SLC 464288802   364,148 3,623 SH   SOLE   0 0 3,623
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,981,204 97,575 SH   SOLE   0 0 97,575
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   624,044 14,883 SH   SOLE   0 0 14,883
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   229,282 5,864 SH   SOLE   0 0 5,864
WISDOMTREE TR YIELD ENHANCD US 97717X511   383,854 8,720 SH   SOLE   0 0 8,720
WISDOMTREE TR US SMALLCAP DIVD 97717W604   439,024 13,647 SH   SOLE   0 0 13,647
ISHARES TR NEW YORK MUN ETF 464288323   695,002 12,849 SH   SOLE   0 0 12,849
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,414,461 25,381 SH   SOLE   0 0 25,381
ISHARES TR CORE S&P SCP ETF 464287804   3,081,661 28,468 SH   SOLE   0 0 28,468
NOVO-NORDISK A S ADR 670100205   315,936 3,054 SH   SOLE   0 0 3,054
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   276,161 12,530 SH   SOLE   0 0 12,530
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,567,266 44,525 SH   SOLE   0 0 44,525
WISDOMTREE TR INTL EQUITY FD 97717W703   263,325 5,015 SH   SOLE   0 0 5,015
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   22,287,694 553,732 SH   SOLE   0 0 553,732
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   6,405,149 37,589 SH   SOLE   0 0 37,589
PALO ALTO NETWORKS INC COM 697435105   306,970 1,041 SH   SOLE   0 0 1,041
VANGUARD INDEX FDS GROWTH ETF 922908736   910,257 2,928 SH   SOLE   0 0 2,928
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   898,479 13,513 SH   SOLE   0 0 13,513
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   336,652 3,810 SH   SOLE   0 0 3,810
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   1,171,672 63,027 SH   SOLE   0 0 63,027
VANGUARD INDEX FDS VALUE ETF 922908744   641,953 4,294 SH   SOLE   0 0 4,294
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   397,920 7,702 SH   SOLE   0 0 7,702
VANGUARD INDEX FDS SML CP GRW ETF 922908595   682,275 2,822 SH   SOLE   0 0 2,822
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   763,225 3,476 SH   SOLE   0 0 3,476
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   640,385 21,767 SH   SOLE   0 0 21,767
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   1,148,824 47,531 SH   SOLE   0 0 47,531
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   23,655,992 258,847 SH   SOLE   0 0 258,847
ISHARES TR SHRT NAT MUN ETF 464288158   4,419,362 41,918 SH   SOLE   0 0 41,918
WISDOMTREE TR EMER MKT HIGH FD 97717W315   2,398,474 58,960 SH   SOLE   0 0 58,960
JOHNSON & JOHNSON COM 478160104   358,935 2,290 SH   SOLE   0 0 2,290
ISHARES INC CORE MSCI EMKT 46434G103   681,768 13,479 SH   SOLE   0 0 13,479
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   880,930 33,908 SH   SOLE   0 0 33,908
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,548,102 8,602 SH   SOLE   0 0 8,602
PEPSICO INC COM 713448108   1,540,665 9,071 SH   SOLE   0 0 9,071
ISHARES TR 0-5YR HI YL CP 46434V407   738,512 17,492 SH   SOLE   0 0 17,492
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   299,766 6,325 SH   SOLE   0 0 6,325
PROCTER AND GAMBLE CO COM 742718109   355,799 2,428 SH   SOLE   0 0 2,428
ISHARES TR RUSSELL 2000 ETF 464287655   201,111 1,002 SH   SOLE   0 0 1,002
SPDR SER TR PORTFOLIO S&P500 78464A854   8,299,088 148,463 SH   SOLE   0 0 148,463
ISHARES TR RUS 2000 VAL ETF 464287630   296,525 1,909 SH   SOLE   0 0 1,909
ISHARES TR RUS 1000 VAL ETF 464287598   405,524 2,454 SH   SOLE   0 0 2,454
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   49,380,116 1,394,525 SH   SOLE   0 0 1,394,525
ISHARES TR NATIONAL MUN ETF 464288414   20,463,540 188,761 SH   SOLE   0 0 188,761
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,705,844 119,120 SH   SOLE   0 0 119,120
ISHARES TR RUS 1000 ETF 464287622   2,000,257 7,627 SH   SOLE   0 0 7,627
PIMCO ETF TR INTER MUN BD ACT 72201R866   432,854 8,198 SH   SOLE   0 0 8,198
SPDR SER TR PORTFOLIO AGRGTE 78464A649   53,444,867 2,084,433 SH   SOLE   0 0 2,084,433
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   641,089 4,421 SH   SOLE   0 0 4,421
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   496,369 37,321 SH   SOLE   0 0 37,321
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   240,688 3,125 SH   SOLE   0 0 3,125
APPLE INC COM 037833100   1,455,224 7,558 SH   SOLE   0 0 7,558
ISHARES TR CORE MSCI EAFE 46432F842   738,299 10,495 SH   SOLE   0 0 10,495
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   237,619 544 SH   SOLE   0 0 544