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
Estimated average burden
hours per response: 23.8
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
ISHARES TR TIPS BD ETF 464287176   2,039 18,496 SH   SOLE   18,496 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,998,366 29,389,347 SH   SOLE   29,389,347 0 0
ISHARES TR S&P 500 VAL ETF 464287408   75,713 498,897 SH   SOLE   498,897 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   211 1,385 SH   SOLE   1,385 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   235,026 2,213,048 SH   SOLE   2,213,048 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   159,787 1,166,160 SH   SOLE   1,166,160 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   4,433 53,950 SH   SOLE   53,950 0 0
VANGUARD TAX MANAGED INTL FD VAN FTSE DEV MKT 921943858   4,682,172 103,656,682 SH   SOLE   103,656,682 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,931,577 72,563,778 SH   SOLE   72,563,778 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,532 3,741 SH   SOLE   3,741 0 0
ISHARES TR SHORT TREAS BD 464288679   330,125 2,987,555 SH   SOLE   2,987,555 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835   106,485 1,442,297 SH   SOLE   1,442,297 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,791 33,615 SH   SOLE   33,615 0 0
ISHARES TR CORE US AGGBD ET 464287226   827,755 8,307,455 SH   SOLE   8,307,455 0 0
VANGUARD WHITEHALL FDS INC EM MK GOV BD ETF 921946885   132,795 2,131,205 SH   SOLE   2,131,205 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,733,720 35,439,902 SH   SOLE   35,439,902 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   345,742 7,230,078 SH   SOLE   7,230,078 0 0
ISHARES TR IBOXX INV CP ETF 464287242   13,652 124,551 SH   SOLE   124,551 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,050,492 9,750,254 SH   SOLE   9,750,254 0 0
ISHARES TR CALIF MUN BD ETF 464288356   5,231 91,092 SH   SOLE   91,092 0 0
ISHARES TR NEW YORK MUN ETF 464288323   5,475 102,323 SH   SOLE   102,323 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,796 34,857 SH   SOLE   34,857 0 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   488 15,007 SH   SOLE   15,007 0 0
SPDR SERIES TRUST NUVEEN BLMBRG MU 78468R721   255,809 5,463,679 SH   SOLE   5,463,679 0 0
ISHARES TR JPMORGAN USD EMG 464288281   828,669 9,604,411 SH   SOLE   9,604,411 0 0
Invesco EMRNG MKT SVRG 46138E784   5,157 268,869 SH   SOLE   268,869 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   340,424 7,114,397 SH   SOLE   7,114,397 0 0
ISHARES TR CORE S&P TTL STK 464287150   1,252,844 13,835,940 SH   SOLE   13,835,940 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   1,687,134 12,215,873 SH   SOLE   12,215,873 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   129,038 1,967,636 SH   SOLE   1,967,636 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,365,951 10,188,342 SH   SOLE   10,188,342 0 0
ISHARES TR S&P MC 400VL ETF 464287705   6,164 59,975 SH   SOLE   59,975 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,216,939 7,665,277 SH   SOLE   7,665,277 0 0
ISHARES TR SP SMCP600VL ETF 464287879   237 2,533 SH   SOLE   2,533 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   545,031 15,661,797 SH   SOLE   15,661,797 0 0
ISHARES TR CORE MSCI EAFE 46432F842   830,636 12,425,373 SH   SOLE   12,425,373 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,344 95,577 SH   SOLE   95,577 0 0
ISHARES INC CORE MSCI EMKT 46434G103   504,840 10,347,209 SH   SOLE   10,347,209 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844   1,992 12,933 SH   SOLE   12,933 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,421 26,506 SH   SOLE   26,506 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   3,919 96,598 SH   SOLE   96,598 0 0
ISHARES TR CORE S&P500 ETF 464287200   4,027 9,795 SH   SOLE   9,795 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   9,427 483,414 SH   SOLE   483,414 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   10,520 32,781 SH   SOLE   32,781 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793   9,252 120,716 SH   SOLE   120,716 0 0
ISHARES CORE LT USDB ETF 464289479   1,252 23,309 SH   SOLE   23,309 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   17,165 173,177 SH   SOLE   173,177 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,341 20,578 SH   SOLE   20,578 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   23,005 121,360 SH   SOLE   121,360 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   372 1,765 SH   SOLE   1,765 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   83,225 221,301 SH   SOLE   221,301 0 0
ISHARES TR CORE S&P MCP ETF 464287507   928 3,709 SH   SOLE   3,709 0 0
FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101   1,032 38,748 SH   SOLE   38,748 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   633 2,687 SH   SOLE   2,687 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   535 7,318 SH   SOLE   7,318 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   44,312 177,646 SH   SOLE   177,646 0 0
ISHARES TR CORE S&P US GWT 464287671   300 3,377 SH   SOLE   3,377 0 0
ISHARES TR CORE S&P SCP ETF 464287804   817 8,444 SH   SOLE   8,444 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   254 6,054 SH   SOLE   6,054 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   531 8,313 SH   SOLE   8,313 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768   1,305 23,630 SH   SOLE   23,630 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   836 10,096 SH   SOLE   10,096 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   1,354 15,255 SH   SOLE   15,255 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,757 139,703 SH   SOLE   139,703 0 0
DBX ETF TR XTRACK HRVST CSI 233051879   323 10,942 SH   SOLE   10,942 0 0
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   590 6,422 SH   SOLE   6,422 0 0
ISHARES MSCI GBL ETF NEW 46434G848   241 5,630 SH   SOLE   5,630 0 0
Invesco GBL LISTED PVT 46137V589   1,155 114,239 SH   SOLE   114,239 0 0
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   1,596 54,654 SH   SOLE   54,654 0 0
WISDOMTREE TR FUTRE STRAT FD 97717W125   3,319 98,901 SH   SOLE   98,901 0 0
ISHARES TR MSCI EAFE ETF 464287465   281 3,929 SH   SOLE   3,929 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819   11,991 156,254 SH   SOLE   156,254 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   535 28,373 SH   SOLE   28,373 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406   2,084 19,751 SH   SOLE   19,751 0 0
ISHARES TR MSCI AC ASIA ETF 464288182   377 5,558 SH   SOLE   5,558 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775   318 3,430 SH   SOLE   3,430 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827   20,307 265,483 SH   SOLE   265,483 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   6,142 121,534 SH   SOLE   121,534 0 0
ISHARES MSCI EMERG MRKT 464286533   3,395 62,204 SH   SOLE   62,204 0 0
ISHARES TR EAFE VALUE ETF 464288877   237 4,882 SH   SOLE   4,882 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281   756 16,508 SH   SOLE   16,508 0 0
SPDR SERIES TRUST ICE PFD SEC ETF 78464A292   781 23,000 SH   SOLE   23,000 0 0
ISHARES TR MBS ETF 464288588   22,084 233,130 SH   SOLE   233,130 0 0
MARKET VECTORS ETF TR HIGH YLD MUNIETF 92189H409   703 13,595 SH   SOLE   13,595 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   488 4,261 SH   SOLE   4,261 0 0
ISHARES TR 20 YR TR BD ETF 464287432   402 3,781 SH   SOLE   3,781 0 0
VANGUARD BD INDEX FD INC LONG TERM TREAS 92206C847   1,874 28,599 SH   SOLE   28,599 0 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664   7,629 247,053 SH   SOLE   247,053 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   853 7,251 SH   SOLE   7,251 0 0
CAMBRIA ETF TR VALUE MOMENTUM 132061888   2,608 103,862 SH   SOLE   103,862 0 0
CAMBRIA ETF TR GLOBAL VALUE ETF 132061409   2,560 126,116 SH   SOLE   126,116 0 0
CAMBRIA ETF TR GLB MOMENT ETF 132061508   12,063 437,224 SH   SOLE   437,224 0 0
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   2,026 34,512 SH   SOLE   34,512 0 0
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300   1,143 45,703 SH   SOLE   45,703 0 0
CAMBRIA ETF TR EMRG SHAREHLDR 132061706   1,073 37,677 SH   SOLE   37,677 0 0
Invesco OPTIMUM YIELD 46090F100   430 30,206 SH   SOLE   30,206 0 0
WISDOMTREE TR WISDOMTREE US VA 97717W547   202 3,437 SH   SOLE   3,437 0 0
VANGUARD BD INDEX FD INC TAX EXEMPT BD 922907746   1,116 22,026 SH   SOLE   22,026 0 0
VANECK VECTORS TR JP MRGAN EM LOC 92189H300   1,191 47,158 SH   SOLE   47,158 0 0
VANGUARD INDEX FDS 500 GRTH IDX F 921932505   5,227 22,680 SH   SOLE   22,680 0 0
VANGUARD INDEX FDS 500 VAL IDX FD 921932703   4,977 33,927 SH   SOLE   33,927 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   2,051 43,500 SH   SOLE   43,500 0 0
ISHARES TR INTRM GOV CR ETF 464288612   1,135 10,866 SH   SOLE   10,866 0 0
VANGUARD BD INDEX FD INC MTG-BKD SECS ETF 92206C771   9,600 206,238 SH   SOLE   206,238 0 0
ISHARES TR CORE INTL AGGR 46435G672   1,087 22,212 SH   SOLE   22,212 0 0
Goldman Sachs ACTIVEBETA US LG 381430503   264,351 3,254,750 SH   SOLE   3,254,750 0 0
Goldman Sachs ACTIVEBETA INT 381430107   127,280 4,131,140 SH   SOLE   4,131,140 0 0
Goldman Sachs ACTIVEBETA EME 381430206   24,818 833,660 SH   SOLE   833,660 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   526 6,600 SH   SOLE   6,600 0 0
ISHARES TR RUS 1000 ETF 464287622   423 1,878 SH   SOLE   1,878 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   466 4,262 SH   SOLE   4,262 0 0
ISHARES TR USD INV GRDE ETF 464288620   406 8,024 SH   SOLE   8,024 0 0
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622   474 5,107 SH   SOLE   5,107 0 0
ISHARES TR 10+ YR INVST GRD 464289511   392 7,484 SH   SOLE   7,484 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   596 19,049 SH   SOLE   19,049 0 0
Vanguard SML CP GRW ETF 922908595   3,338 15,425 SH   SOLE   15,425 0 0
Vanguard CONSUM STP ETF 92204A207   666 3,442 SH   SOLE   3,442 0 0
Vanguard ALLWRLD EX US 922042775   404 7,551 SH   SOLE   7,551 0 0
Vanguard MCAP GR IDXVIP 922908538   8,160 41,872 SH   SOLE   41,872 0 0
Vanguard TT WRLD ST ETF 922042742   671 7,291 SH   SOLE   7,291 0 0
Vanguard EXTEND MKT ETF 922908652   991 7,069 SH   SOLE   7,069 0 0
iShares RUS 2000 GRW ETF 464287648   421 1,856 SH   SOLE   1,856 0 0
iShares MSCI USA MIN VOL 46429B697   720 9,895 SH   SOLE   9,895 0 0
iShares 0-5 YR TIPS ETF 46429B747   156,348 1,575,610 SH   SOLE   1,575,610 0 0
iShares CORE MSCI TOTAL 46432F834   1,307 21,100 SH   SOLE   21,100 0 0
iShares 0-5YR HI YL CP 46434V407   7,212 173,044 SH   SOLE   173,044 0 0
Invesco S&P500 EQL WGT 46137V357   450 3,112 SH   SOLE   3,112 0 0
Vanguard MEGA GRWTH IND 921910816   547 2,673 SH   SOLE   2,673 0 0
Vanguard SHRT TRM CORP BD 92206C409   5,376 70,526 SH   SOLE   70,526 0 0
Vanguard INTER TERM TREAS 92206C706   755 12,589 SH   SOLE   12,589 0 0
Schwab SCHWAB FDT US SC 808524763   3,448 70,838 SH   SOLE   70,838 0 0
Schwab SCHWB FDT EMK LG 808524730   331 12,697 SH   SOLE   12,697 0 0
Goldman Sachs ACCES TREASURY 381430529   526,662 5,259,257 SH   SOLE   5,259,257 0 0
iShares RUS MID CAP ETF 464287499   200 2,865 SH   SOLE   2,865 0 0
iShares FLTG RATE NT ETF 46429B655   7,500 148,834 SH   SOLE   148,834 0 0
Flexshares Trust MORNSTAR UPSTR 33939L407   217 5,134 SH   SOLE   5,134 0 0
iShares MSCI USA QLT FCT 46432F339   1,061 8,552 SH   SOLE   8,552 0 0
iShares US TREAS BD ETF 46429B267   346 14,805 SH   SOLE   14,805 0 0
iShares MSCI GBL MIN VOL 464286525   3,511 36,284 SH   SOLE   36,284 0 0
WisdomTree US MIDCAP DIVID 97717W505   518 12,637 SH   SOLE   12,637 0 0
iShares MSCI USA VALUE 46432F388   341 3,684 SH   SOLE   3,684 0 0
iShares EAFE GRWTH ETF 464288885   324 3,457 SH   SOLE   3,457 0 0
SPDR State Street Global Advisors RL EST SEL SEC 81369Y860   263 7,041 SH   SOLE   7,041 0 0
iShares MSCI USA MMENTM 46432F396   2,152 15,474 SH   SOLE   15,474 0 0
iShares BLACKROCK ST MAT 46431W507   4,618 93,112 SH   SOLE   93,112 0 0
iShares MSCI ACWI EX US 464288240   205 4,195 SH   SOLE   4,195 0 0
Vanguard SHORT TERM TREAS 92206C102   3,124 53,368 SH   SOLE   53,368 0 0
Schwab ETFs SHT TM US TRES 808524862   305 6,246 SH   SOLE   6,246 0 0
iShares SHRT NAT MUN ETF 464288158   784 7,493 SH   SOLE   7,493 0 0
Van Eck OIL SERVICES ETF 92189H607   475 1,713 SH   SOLE   1,713 0 0
WisdomTree INTL SMCAP DIV 97717W760   723 11,870 SH   SOLE   11,870 0 0
Invesco FTSE RAFI DEV 46138E743   301 6,836 SH   SOLE   6,836 0 0
SPDR State Street Global Advisors S&P 600 SMCP VAL 78464A300   12,047 158,144 SH   SOLE   158,144 0 0
Vanguard MIDCP 400 GRTH 921932869   868 9,766 SH   SOLE   9,766 0 0
iShares CORE TOTAL USD 46434V613   439 9,518 SH   SOLE   9,518 0 0
Schwab ETFs INT-TRM U.S TRES 808524854   202 4,004 SH   SOLE   4,004 0 0
Invesco S&P 500 HB ETF 46138E370   257 3,669 SH   SOLE   3,669 0 0
iShares RUS TP200 GR ETF 464289438   270 1,941 SH   SOLE   1,941 0 0
SPDR State Street Global Advisors PORTFOLIO DEVLPD 78463X889   1,690 52,603 SH   SOLE   52,603 0 0
iShares MSCI KLD400 SOC 464288570   44,687 572,982 SH   SOLE   572,982 0 0
SPDR State Street Global Advisors PRTFLO S&P500 GW 78464A409   745 13,456 SH   SOLE   13,456 0 0
Van Eck FALLEN ANGEL HG 92189F437   1,920 68,523 SH   SOLE   68,523 0 0
iShares MSCI USA ESG SLC 464288802   20,229 230,475 SH   SOLE   230,475 0 0
WisdomTree US SMALLCAP FUND 97717W562   335 7,741 SH   SOLE   7,741 0 0
iShares MSCI LW CRB TG 46434V464   179,423 1,212,810 SH   SOLE   1,212,810 0 0
SPDR State Street Global Advisors PRTFLO S&P500 VL 78464A508   109,718 2,694,456 SH   SOLE   2,694,456 0 0
SPDR State Street Global Advisors PORTFOLIO EMG MK 78463X509   24,617 721,271 SH   SOLE   721,271 0 0
Invesco DIVID ACHIEVEV 46137V506   217 5,928 SH   SOLE   5,928 0 0
Vanguard INTL HIGH ETF 921946794   542 8,742 SH   SOLE   8,742 0 0
SPDR State Street Global Advisors SPDR MSCI USA GE 78468R747   2,962 35,728 SH   SOLE   35,728 0 0
Vanguard INTL DVD ETF 921946810   4,709 63,916 SH   SOLE   63,916 0 0
iShares JP MRGN EM HI BD 464286285   3,433 97,404 SH   SOLE   97,404 0 0
John Hancock MULTIFACTOR MI 47804J206   502 10,484 SH   SOLE   10,484 0 0
PIMCO 15+ YR US TIPS 72201R304   5,982 96,991 SH   SOLE   96,991 0 0
SPDR State Street Global Advisors PORTFOLIO S&P500 78464A854   938 19,471 SH   SOLE   19,471 0 0
WisdomTree US LARGECAP FUND 97717W588   1,314 30,060 SH   SOLE   30,060 0 0
SPDR State Street Global Advisors SPDR S&P 500 ETF 78468R796   68,984 2,075,322 SH   SOLE   2,075,322 0 0
Legg Mason FRANKLIN US LOW 52468L406   220 5,897 SH   SOLE   5,897 0 0
WisdomTree YIELD ENHANCD US 97717X511   875 20,032 SH   SOLE   20,032 0 0
First Trust RISNG DIVD ACHIV 33738R506   895 19,957 SH   SOLE   19,957 0 0
SPDR State Street Global Advisors MSCI EAFE STRTGC 78463X434   252 3,640 SH   SOLE   3,640 0 0
iShares ESG AW MSCI EAFE 46435G516   252,330 3,512,393 SH   SOLE   3,512,393 0 0
iShares CRE U S REIT ETF 464288521   224 4,451 SH   SOLE   4,451 0 0
First Trust Exchange-Traded Fund VIII TCW OPPORTUNIS 33740F805   2,157 47,859 SH   SOLE   47,859 0 0
EA Series Trust US QUAN VALUE 02072L102   457 13,504 SH   SOLE   13,504 0 0
EA Series Trust INTL QUAN VALUE 02072L201   342 14,590 SH   SOLE   14,590 0 0
iShares ESG AWR MSCI EM 46434G863   75,850 2,409,480 SH   SOLE   2,409,480 0 0
SPDR State Street Global Advisors MSCI EAFE FS ETF 78470E106   41,637 1,124,119 SH   SOLE   1,124,119 0 0
iShares CORE MSCI INTL 46435G326   5,316 87,912 SH   SOLE   87,912 0 0
EA Series Trust INTL QUAN MOMNTM 02072L300   318 12,033 SH   SOLE   12,033 0 0
iShares MSCI INTL QUALTY 46434V456   871 24,671 SH   SOLE   24,671 0 0
iShares MSCI INTL MOMENT 46434V449   1,106 34,215 SH   SOLE   34,215 0 0
Ark ETF Trust NEXT GNRTN INTER 00214Q401   952 17,754 SH   SOLE   17,754 0 0
Ark ETF Trust INNOVATION ETF 00214Q104   905 22,443 SH   SOLE   22,443 0 0
ProShares PRIV EQTY-LSTD 74348A533   258 9,602 SH   SOLE   9,602 0 0
iShares FALN ANGLS USD 46435G474   8,854 350,361 SH   SOLE   350,361 0 0
Pacer US CASH COWS 100 69374H881   545 11,600 SH   SOLE   11,600 0 0
SPDR State Street Global Advisors SPDR S&P1500VL 78464A128   283 1,992 SH   SOLE   1,992 0 0
iShares ESG AWR MSCI USA 46435G425   228,698 2,528,445 SH   SOLE   2,528,445 0 0
SPDR State Street Global Advisors MSCI EMR MKT ETF 78470E205   24,270 806,036 SH   SOLE   806,036 0 0
Invesco S&P INTL MOMNT 46138E222   262 8,076 SH   SOLE   8,076 0 0
WisdomTree EM EX ST-OWNED 97717X578   3,480 125,002 SH   SOLE   125,002 0 0
Invesco S&P 500 MOMNTM 46138E339   226 4,141 SH   SOLE   4,141 0 0
Goldman Sachs ACTIVEBETA US 381430602   31,008 558,604 SH   SOLE   558,604 0 0
Goldman Sachs ACCESS INVT GR 381430479   10,986 240,022 SH   SOLE   240,022 0 0
XTRACKERS XTRACK USD HIGH 233051432   5,629 161,998 SH   SOLE   161,998 0 0
ISHARES BROAD USD HIGH 46435U853   2,984 83,950 SH   SOLE   83,950 0 0
GraniteShares BBG COMMD K 1 38747R108   9,327 438,932 SH   SOLE   438,932 0 0
SPDR State Street Global Advisors SPDR GLD MINIS 98149E303   1,939 49,577 SH   SOLE   49,577 0 0
JP Morgan ULTRA SHRT INC 46641Q837   193,462 3,844,642 SH   SOLE   3,844,642 0 0
Goldman Sachs ACCESS INFLATI 381430362   4,245 84,448 SH   SOLE   84,448 0 0
iShares ESG AWR US AGRGT 46435U549   14,423 300,096 SH   SOLE   300,096 0 0
AVANTIS INTL INTL SMCP VLU 025072802   722 12,353 SH   SOLE   12,353 0 0
Avantis US SML CP VALU 025072877   1,482 20,005 SH   SOLE   20,005 0 0
Goldman Sachs ACCESS US AGRAT 38149W101   25,142 595,931 SH   SOLE   595,931 0 0
Impact Shares NAACP MINO ETF 45259A209   2,938 101,048 SH   SOLE   101,048 0 0
iShares USD GRN BOND ETF 46435U440   42,309 898,470 SH   SOLE   898,470 0 0
Dimensional Fund Advisors INTL CORE EQT MK 25434V203   7,269 269,724 SH   SOLE   269,724 0 0
Dimensional Fund Advisors EMGR CRE EQT MNG 25434V302   3,309 143,763 SH   SOLE   143,763 0 0
Dimensional Fund Advisors US CORE EQT MKT 25434V104   14,998 521,300 SH   SOLE   521,300 0 0
Cambria Funds GBL REAL EST ETF 132061813   888 35,678 SH   SOLE   35,678 0 0
ISHARES ESG AWRE USD ETF 46435G193   11,054 480,181 SH   SOLE   480,181 0 0
iShares ESG ADV TTL USD 46436E619   2,133 49,351 SH   SOLE   49,351 0 0
iShares ESG AWRE 1 5 YR 46435G243   2,152 89,428 SH   SOLE   89,428 0 0
iShares ESG EAFE ETF 46436E759   392 6,578 SH   SOLE   6,578 0 0
Vanguard ESG INTL STK ETF 921910725   9,506 181,558 SH   SOLE   181,558 0 0
iShares ESG MSCI USA ETF 46436E767   358 10,818 SH   SOLE   10,818 0 0
BlackRock Fund Advisors ESG AWARE MSCI 46435U663   12,232 359,867 SH   SOLE   359,867 0 0
VANGUARD ESG US STK ETF 921910733   32,847 4,580,545 SH   SOLE   4,580,545 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   563 4,263 SH   SOLE   4,263 0 0
State Street Global Advisors Inc S&P KENSHO NEW 78468R648   44,800 1,049,188 SH   SOLE   1,049,188 0 0
Dimensional US SMALL CAP ETF 25434V500   293 5,565 SH   SOLE   5,565 0 0
Dimensional US TARGETED VLU 25434V609   947 21,276 SH   SOLE   21,276 0 0
Dimensional US EQUITY ETF 25434V401   921 20,734 SH   SOLE   20,734 0 0
Dimensional US CORE EQUITY 2 25434V708   21,757 853,904 SH   SOLE   853,904 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885   1,606 22,656 SH   SOLE   22,656 0 0
ADVISORSHARES TR PURE US CANNABIS 00768Y453   60 10,500 SH   SOLE   10,500 0 0
Western Asset Management Co 0-3 MNTH TREASRY 46436E718   725 7,206 SH   SOLE   7,206 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   2,541 51,608 SH   SOLE   51,608 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508   205 6,160 SH   SOLE   6,160 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C417   607 20,765 SH   SOLE   20,765 0 0
Innovator Capital Management LLC US EQTY PWR BUF 45782C797   433 13,694 SH   SOLE   13,694 0 0
Innovator Capital Management LLC US EQTY BUF OCT 45782C771   309 9,150 SH   SOLE   9,150 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C813   227 7,163 SH   SOLE   7,163 0 0
Innovator Capital Management LLC US EQTY ULTRA B 45782C821   659 23,100 SH   SOLE   23,100 0 0
Engine No. 1 TRANSFRM 500 ETF 29287L106   44,144 927,588 SH   SOLE   927,588 0 0
Dimensional Fund Advisors LP INTERNATNAL VAL 25434V807   467 14,478 SH   SOLE   14,478 0 0
Dimensional Fund Advisors LP WORLD EX US CORE 25434V880   6,546 283,872 SH   SOLE   283,872 0 0
Exchange Traded Concepts LLC BITWISE CRYPTO 301505624   807 137,479 SH   SOLE   137,479 0 0
Simplify Asset Management Inc US EQT PLS UPSID 82889N301   223 7,944 SH   SOLE   7,944 0 0
Proshare Capital Management LLC BITCOIN STRATE 74347G440   334 19,046 SH   SOLE   19,046 0 0
Dimensional Fund Advisors LP CORE FIXED INCOM 25434V872   4,779 112,445 SH   SOLE   112,445 0 0
Dimensional Fund Advisors LP SHORT DURATION F 25434V864   1,195 25,611 SH   SOLE   25,611 0 0
Dimensional Fund Advisors LP US HIGH PROFITAB 25434V831   631 25,086 SH   SOLE   25,086 0 0
Dimensional Fund Advisors LP US REAL ESTATE E 25434V823   676 31,472 SH   SOLE   31,472 0 0
Dimensional Fund Advisors LP INTL SMALL CAP E 25434V773   445 19,366 SH   SOLE   19,366 0 0
Dimensional Fund Advisors LP INTL SMALL CAP V 25434V781   260 10,918 SH   SOLE   10,918 0 0
Dimensional Fund Advisors LP INTL HIGH PROFIT 25434V765   252 10,410 SH   SOLE   10,410 0 0
Dimensional Fund Advisors LP INTL CORE EQUITY 25434V799   2,417 100,424 SH   SOLE   100,424 0 0
Dimensional Fund Advisors LP US MKTWIDE VALUE 25434V724   239 7,132 SH   SOLE   7,132 0 0
Dimensional Fund Advisors LP EMERGING MKTS CO 25434V732   917 38,859 SH   SOLE   38,859 0 0
Dimensional Fund Advisors LP EMERGING MKTS VA 25434V740   237 10,118 SH   SOLE   10,118 0 0
Dimensional Fund Advisors LP EMERGING MKTS HI 25434V757   244 10,347 SH   SOLE   10,347 0 0
Goldman Sachs Asset Management LP ACCESS EMNG MKTS 381430388   8,062 198,766 SH   SOLE   198,766 0 0
Dimensional Fund Advisors LP US SMALL CAP VAL 25434V815   843 33,812 SH   SOLE   33,812 0 0