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
AMAZON COM INC COM 023135106   414,328 2,144 SH   SOLE   0 0 2,144
APPLE INC COM 037833100   1,750,584 8,312 SH   SOLE   0 0 8,312
BROADCOM INC COM 11135F101   516,981 322 SH   SOLE   0 0 322
CAPITAL GROUP CORE BALANCED SHS 14021D107   353,252 11,882 SH   SOLE   0 0 11,882
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   234,696 7,112 SH   SOLE   0 0 7,112
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   261,221 8,873 SH   SOLE   0 0 8,873
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   236,972 7,205 SH   SOLE   0 0 7,205
DESTINATION XL GROUP INC COM 25065K104   50,476 13,867 SH   SOLE   0 0 13,867
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   1,149,840 46,012 SH   SOLE   0 0 46,012
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   1,508,144 61,232 SH   SOLE   0 0 61,232
ELEVANCE HEALTH INC COM 036752103   204,823 378 SH   SOLE   0 0 378
EXXON MOBIL CORP COM 30231G102   459,214 3,989 SH   SOLE   0 0 3,989
FIRST TR EXCHANGE-TRADED FD MANAGD MUN ETF 33739N108   309,270 6,057 SH   SOLE   0 0 6,057
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   675,608 48,086 SH   SOLE   0 0 48,086
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   523,093 22,518 SH   SOLE   0 0 22,518
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   297,532 6,112 SH   SOLE   0 0 6,112
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,649,340 43,461 SH   SOLE   0 0 43,461
ISHARES INC CORE MSCI EMKT 46434G103   547,665 10,231 SH   SOLE   0 0 10,231
ISHARES TR RUS 1000 VAL ETF 464287598   422,915 2,424 SH   SOLE   0 0 2,424
ISHARES TR CORE S&P SCP ETF 464287804   4,100,757 38,447 SH   SOLE   0 0 38,447
ISHARES TR NEW YORK MUN ETF 464288323   698,288 13,079 SH   SOLE   0 0 13,079
ISHARES TR NATIONAL MUN ETF 464288414   22,492,301 211,096 SH   SOLE   0 0 211,096
ISHARES TR SHRT NAT MUN ETF 464288158   4,492,723 42,972 SH   SOLE   0 0 42,972
ISHARES TR RUS 2000 VAL ETF 464287630   286,933 1,884 SH   SOLE   0 0 1,884
ISHARES TR RUS 1000 ETF 464287622   2,316,051 7,784 SH   SOLE   0 0 7,784
ISHARES TR MSCI ACWI ETF 464288257   236,040 2,100 SH   SOLE   0 0 2,100
ISHARES TR RUS 1000 GRW ETF 464287614   593,787 1,629 SH   SOLE   0 0 1,629
ISHARES TR RUSSELL 2000 ETF 464287655   240,019 1,183 SH   SOLE   0 0 1,183
ISHARES TR CORE MSCI EAFE 46432F842   770,057 10,601 SH   SOLE   0 0 10,601
ISHARES TR 0-5YR HI YL CP 46434V407   969,503 22,974 SH   SOLE   0 0 22,974
ISHARES TR MSCI USA ESG SLC 464288802   346,774 3,086 SH   SOLE   0 0 3,086
ISHARES TR CORE S&P500 ETF 464287200   135,382,175 247,395 SH   SOLE   0 0 247,395
JOHNSON & JOHNSON COM 478160104   334,706 2,290 SH   SOLE   0 0 2,290
MICROSOFT CORP COM 594918104   249,845 559 SH   SOLE   0 0 559
NOVO-NORDISK A S ADR 670100205   370,981 2,599 SH   SOLE   0 0 2,599
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   818,906 26,306 SH   SOLE   0 0 26,306
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   301,344 7,660 SH   SOLE   0 0 7,660
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888   451,180 15,737 SH   SOLE   0 0 15,737
NUSHARES ETF TR NUVEEN ENHNC YLD 67092P102   416,971 20,163 SH   SOLE   0 0 20,163
PALO ALTO NETWORKS INC COM 697435105   352,909 1,041 SH   SOLE   0 0 1,041
PEPSICO INC COM 713448108   1,524,287 9,242 SH   SOLE   0 0 9,242
PIMCO ETF TR INTER MUN BD ACT 72201R866   358,902 6,894 SH   SOLE   0 0 6,894
PROCTER AND GAMBLE CO COM 742718109   400,426 2,428 SH   SOLE   0 0 2,428
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   207,000 915 SH   SOLE   0 0 915
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   76,699,727 2,186,423 SH   SOLE   0 0 2,186,423
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   33,591,492 891,731 SH   SOLE   0 0 891,731
SPDR SER TR PORTFOLIO S&P600 78468R853   19,275,657 464,138 SH   SOLE   0 0 464,138
SPDR SER TR BLOOMBERG EMERGI 78464A391   1,285,709 64,641 SH   SOLE   0 0 64,641
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   1,054,672 57,071 SH   SOLE   0 0 57,071
SPDR SER TR PORTFOLIO S&P500 78464A854   10,383,458 162,242 SH   SOLE   0 0 162,242
SPDR SER TR BLOOMBERG EMG MK 78468R515   393,725 16,526 SH   SOLE   0 0 16,526
SPDR SER TR PORTFOLIO AGRGTE 78464A649   56,974,887 2,270,821 SH   SOLE   0 0 2,270,821
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   16,472,221 179,475 SH   SOLE   0 0 179,475
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   723,725 17,314 SH   SOLE   0 0 17,314
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   24,605,092 619,464 SH   SOLE   0 0 619,464
SSGA ACTIVE TR SPDR NUVEEN MUN 78470P853   582,299 19,596 SH   SOLE   0 0 19,596
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   205,173 2,675 SH   SOLE   0 0 2,675
VANGUARD INDEX FDS GROWTH ETF 922908736   969,808 2,593 SH   SOLE   0 0 2,593
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   324,989 3,880 SH   SOLE   0 0 3,880
VANGUARD INDEX FDS SML CP GRW ETF 922908595   693,110 2,771 SH   SOLE   0 0 2,771
VANGUARD INDEX FDS VALUE ETF 922908744   679,978 4,239 SH   SOLE   0 0 4,239
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   672,573 4,471 SH   SOLE   0 0 4,471
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,260,746 28,714 SH   SOLE   0 0 28,714
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   272,071 544 SH   SOLE   0 0 544
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,482,062 8,120 SH   SOLE   0 0 8,120
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   779,356 3,395 SH   SOLE   0 0 3,395
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,731,467 108,123 SH   SOLE   0 0 108,123
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   5,396,246 107,688 SH   SOLE   0 0 107,688
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,157,768 39,210 SH   SOLE   0 0 39,210
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,365,808 128,810 SH   SOLE   0 0 128,810
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   409,544 6,510 SH   SOLE   0 0 6,510
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,826,796 15,403 SH   SOLE   0 0 15,403
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   875,950 12,782 SH   SOLE   0 0 12,782
WISDOMTREE TR INTL EQUITY FD 97717W703   278,579 5,186 SH   SOLE   0 0 5,186
WISDOMTREE TR US SMALLCAP DIVD 97717W604   387,008 12,424 SH   SOLE   0 0 12,424
WISDOMTREE TR YIELD ENHANCD US 97717X511   400,430 9,321 SH   SOLE   0 0 9,321
WISDOMTREE TR EMER MKT HIGH FD 97717W315   368,516 8,509 SH   SOLE   0 0 8,509