0001633901-24-000004.txt : 20240814 0001633901-24-000004.hdr.sgml : 20240814 20240814084054 ACCESSION NUMBER: 0001633901-24-000004 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20240630 FILED AS OF DATE: 20240814 DATE AS OF CHANGE: 20240814 EFFECTIVENESS DATE: 20240814 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Betterment LLC CENTRAL INDEX KEY: 0001633901 ORGANIZATION NAME: IRS NUMBER: 800620933 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-16706 FILM NUMBER: 241204383 BUSINESS ADDRESS: STREET 1: 27 WEST 23RD STREET STREET 2: 6TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10010 BUSINESS PHONE: 212-228-1328 MAIL ADDRESS: STREET 1: 8 WEST 24TH STREET, 6TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10010 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false true false 0001633901 XXXXXXXX 06-30-2024 06-30-2024 Betterment LLC

8 WEST 24TH STREET, 6TH FLOOR NEW YORK NY 10010

13F HOLDINGS REPORT 028-16706 N Brian Woldow 917-983-1320 Brian Woldow New York NY 08-14-2024 0 392 38600514 false INFORMATION TABLE 2 13f2q2024betterment.xml ISHARES TR TIPS BD ETF 464287176 2300 21540 SH SOLE 2300 0 0 VANGUARD INDEX FDS TOTAL STK MKT 922908769 7569307 28295418 SH SOLE 7569307 0 0 ISHARES TR S&P 500 VAL ETF 464287408 79332 435867 SH SOLE 79332 0 0 ISHARES TR RUS 1000 VAL ETF 464287598 840 4817 SH SOLE 840 0 0 ISHARES TR RUS MDCP VAL ETF 464287473 230761 1911224 SH SOLE 230761 0 0 ISHARES TR RUS 2000 VAL ETF 464287630 136081 893505 SH SOLE 136081 0 0 ISHARES TR 1 3 YR TREAS BD 464287457 653 7993 SH SOLE 653 0 0 VANGUARD TAX MANAGED INTL FD VAN FTSE DEV MKT 921943858 6158580 124617150 SH SOLE 6158580 0 0 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2565123 58617982 SH SOLE 2565123 0 0 SPDR S&P 500 ETF TR TR UNIT 78462F103 5428 9974 SH SOLE 5428 0 0 ISHARES TR SHORT TREAS BD 464288679 175774 1590715 SH SOLE 175774 0 0 VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 96944 1345507 SH SOLE 96944 0 0 PIMCO ETF TR ENHAN SHRT MA AC 72201R833 214 2129 SH SOLE 214 0 0 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6322 75481 SH SOLE 6322 0 0 ISHARES TR CORE US AGGBD ET 464287226 1794294 18484532 SH SOLE 1794294 0 0 VANGUARD WHITEHALL FDS INC EM MK GOV BD ETF 921946885 124866 1984831 SH SOLE 124866 0 0 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 999833 20543114 SH SOLE 999833 0 0 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 146058 3009028 SH SOLE 146058 0 0 ISHARES TR IBOXX INV CP ETF 464287242 14525 135594 SH SOLE 14525 0 0 ISHARES TR NATIONAL MUN ETF 464288414 1680614 15773012 SH SOLE 1680614 0 0 ISHARES TR CALIF MUN BD ETF 464288356 10760 189166 SH SOLE 10760 0 0 ISHARES TR NEW YORK MUN ETF 464288323 8289 155257 SH SOLE 8289 0 0 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 992 21774 SH SOLE 992 0 0 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3033 37950 SH SOLE 3033 0 0 SPDR SERIES TRUST NUVEEN BLMBRG MU 78468R721 315863 6904114 SH SOLE 315863 0 0 ISHARES TR JPMORGAN USD EMG 464288281 758295 8570245 SH SOLE 758295 0 0 Invesco EMRNG MKT SVRG 46138E784 1535 76740 SH SOLE 1535 0 0 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 387972 6171023 SH SOLE 387972 0 0 ISHARES TR CORE S&P TTL STK 464287150 1472054 12393110 SH SOLE 1472054 0 0 VANGUARD INDEX FDS VALUE ETF 922908744 957881 5971457 SH SOLE 957881 0 0 SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 122268 1650491 SH SOLE 122268 0 0 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 728409 4842178 SH SOLE 728409 0 0 ISHARES TR S&P MC 400VL ETF 464287705 2740 24152 SH SOLE 2740 0 0 VANGUARD INDEX FDS SM CP VAL ETF 922908611 699720 3833661 SH SOLE 699720 0 0 ISHARES TR SP SMCP600VL ETF 464287879 414 4259 SH SOLE 414 0 0 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 488580 12716823 SH SOLE 488580 0 0 ISHARES TR CORE MSCI EAFE 46432F842 848230 11677182 SH SOLE 848230 0 0 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1979 74493 SH SOLE 1979 0 0 ISHARES INC CORE MSCI EMKT 46434G103 484906 9058592 SH SOLE 484906 0 0 VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 17085 93591 SH SOLE 17085 0 0 SCHWAB STRATEGIC TR US TIPS ETF 808524870 999 19201 SH SOLE 999 0 0 VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 7731 190572 SH SOLE 7731 0 0 ISHARES TR CORE S&P500 ETF 464287200 94497 172682 SH SOLE 94497 0 0 SCHWAB STRATEGIC TR US REIT ETF 808524847 10608 531181 SH SOLE 10608 0 0 Invesco UNIT SER 1 46090E103 17915 37392 SH SOLE 17915 0 0 VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 11466 163131 SH SOLE 11466 0 0 ISHARES TR RUSSELL 2000 ETF 464287655 1076 5303 SH SOLE 1076 0 0 ISHARES CORE LT USDB ETF 464289479 901 18116 SH SOLE 901 0 0 ISHARES TR 7-10 YR TRSY BD 464287440 3993 42633 SH SOLE 3993 0 0 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2300 22810 SH SOLE 2300 0 0 VANGUARD INDEX FDS SMALL CP ETF 922908751 31306 143581 SH SOLE 31306 0 0 VANGUARD INDEX FDS MID CAP ETF 922908629 5500 22716 SH SOLE 5500 0 0 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 112224 224390 SH SOLE 112224 0 0 ISHARES TR CORE S&P MCP ETF 464287507 2255 38535 SH SOLE 2255 0 0 FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101 1283 42110 SH SOLE 1283 0 0 ISHARES TR RUSSELL 3000 ETF 464287689 769 2492 SH SOLE 769 0 0 VISA INC COM CL A 92826C839 201 764 SH SOLE 201 0 0 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1844 23713 SH SOLE 1844 0 0 VANGUARD INDEX FDS GROWTH ETF 922908736 75438 201700 SH SOLE 75438 0 0 ISHARES TR CORE S&P US GWT 464287671 807 6334 SH SOLE 807 0 0 ISHARES TR CORE S&P SCP ETF 464287804 9208 86335 SH SOLE 9208 0 0 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4875 102734 SH SOLE 4875 0 0 ISHARES TR S&P 500 GRWT ETF 464287309 810 8749 SH SOLE 810 0 0 VANGUARD STAR FD VG TL INTL STK F 921909768 1996 33108 SH SOLE 1996 0 0 SELECT SECTOR SPDR TR ENERGY 81369Y506 1151 12626 SH SOLE 1151 0 0 VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1872 19058 SH SOLE 1872 0 0 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 63799 992986 SH SOLE 63799 0 0 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1749 22473 SH SOLE 1749 0 0 DBX ETF TR XTRACK HRVST CSI 233051879 397 16859 SH SOLE 397 0 0 SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 979 10670 SH SOLE 979 0 0 ISHARES GOLD TRUST ISHARES NEW 464285204 515 11712 SH SOLE 515 0 0 SPDR GOLD TRUST GOLD SHS 78463V107 1400 6511 SH SOLE 1400 0 0 Invesco GBL LISTED PVT 46137V118 618 10109 SH SOLE 618 0 0 INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 699 22512 SH SOLE 699 0 0 WISDOMTREE TR FUTRE STRAT FD 97717W125 2854 78683 SH SOLE 2854 0 0 ISHARES TR MSCI EAFE ETF 464287465 2194 28004 SH SOLE 2194 0 0 VANGUARD BD INDEX FD INC INTERMED TERM 921937819 13887 185435 SH SOLE 13887 0 0 ETFS GOLD TR PHYSCL GOLD SHS 00326A104 507 22804 SH SOLE 507 0 0 VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 2256 19019 SH SOLE 2256 0 0 ISHARES TR MSCI AC ASIA ETF 464288182 705 9799 SH SOLE 705 0 0 PIMCO ETF TR ACTIVE BD ETF 72201R775 472 5185 SH SOLE 472 0 0 VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 35877 467752 SH SOLE 35877 0 0 ISHARES TR ISHS 5-10YR INVT 464288638 1302 25405 SH SOLE 1302 0 0 ISHARES TR ISHS 1-5YR INVS 464288646 3975 77572 SH SOLE 3975 0 0 DBX ETF TR XTRACK MSCI EAFE 233051200 216 5210 SH SOLE 216 0 0 ISHARES TR EAFE VALUE ETF 464288877 886 16702 SH SOLE 886 0 0 ISHARES TR EAFE SML CP ETF 464288273 264 4286 SH SOLE 264 0 0 WISDOMTREE TR EMG MKTS SMCAP 97717W281 1179 22916 SH SOLE 1179 0 0 ISHARES TR PFD AND INCM SEC 464288687 288 9114 SH SOLE 288 0 0 SPDR SERIES TRUST ICE PFD SEC ETF 78464A292 809 23849 SH SOLE 809 0 0 ISHARES TR MBS ETF 464288588 9076 98852 SH SOLE 9076 0 0 MARKET VECTORS ETF TR HIGH YLD MUNIETF 92189H409 1267 24531 SH SOLE 1267 0 0 ISHARES TR 10-20 YR TRS ETF 464288653 408 3969 SH SOLE 408 0 0 ISHARES TR 20 YR TR BD ETF 464287432 227 2478 SH SOLE 227 0 0 VANGUARD BD INDEX FD INC LONG TERM TREAS 92206C847 11116 192718 SH SOLE 11116 0 0 SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 1024 37618 SH SOLE 1024 0 0 ISHARES TR 3 7 YR TREAS BD 464288661 654 5666 SH SOLE 654 0 0 SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672 648 23128 SH SOLE 648 0 0 CAMBRIA ETF TR VALUE MOMENTUM 132061888 2381 86090 SH SOLE 2381 0 0 CAMBRIA ETF TR GLOBAL VALUE ETF 132061409 2108 100625 SH SOLE 2108 0 0 CAMBRIA ETF TR GLB MOMENT ETF 132061508 11145 390773 SH SOLE 11145 0 0 CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 1900 27825 SH SOLE 1900 0 0 CAMBRIA ETF TR CAMBRIA FGN SHR 132061300 954 36117 SH SOLE 954 0 0 CAMBRIA ETF TR EMRG SHAREHLDR 132061706 1044 30349 SH SOLE 1044 0 0 Invesco OPTIMUM YIELD 46090F100 441 31396 SH SOLE 441 0 0 WISDOMTREE TR WISDOMTREE US VA 97717W547 223 3052 SH SOLE 223 0 0 VANGUARD BD INDEX FD INC TAX EXEMPT BD 922907746 1706 34054 SH SOLE 1706 0 0 VANECK VECTORS TR JP MRGAN EM LOC 92189H300 946 39785 SH SOLE 946 0 0 VANGUARD INDEX FDS 500 GRTH IDX F 921932505 7121 21355 SH SOLE 7121 0 0 VANGUARD INDEX FDS 500 VAL IDX FD 921932703 6511 37041 SH SOLE 6511 0 0 ISHARES TR CORE 1 5 YR USD 46432F859 1834 38714 SH SOLE 1834 0 0 ISHARES TR INTRM GOV CR ETF 464288612 1851 17843 SH SOLE 1851 0 0 VANGUARD BD INDEX FD INC MTG-BKD SECS ETF 92206C771 10595 233366 SH SOLE 10595 0 0 ISHARES TR CORE INTL AGGR 46435G672 69283 1387874 SH SOLE 69283 0 0 Goldman Sachs ACTIVEBETA US LG 381430503 545759 5102939 SH SOLE 545759 0 0 Goldman Sachs ACTIVEBETA INT 381430107 226000 6716207 SH SOLE 226000 0 0 Goldman Sachs ACTIVEBETA EME 381430206 50357 1541395 SH SOLE 50357 0 0 ISHARES TR IBOXX HI YD ETF 464288513 463 6008 SH SOLE 463 0 0 VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 221 2911 SH SOLE 221 0 0 ISHARES TR RUS 1000 ETF 464287622 650 2185 SH SOLE 650 0 0 SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 257 8092 SH SOLE 257 0 0 VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 529 4506 SH SOLE 529 0 0 ISHARES TR USD INV GRDE ETF 464288620 1386 27604 SH SOLE 1386 0 0 SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 6447 68386 SH SOLE 6447 0 0 SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1481 42270 SH SOLE 1481 0 0 Vanguard SML CP GRW ETF 922908595 3989 15949 SH SOLE 3989 0 0 Vanguard CONSUM STP ETF 92204A207 277 1366 SH SOLE 277 0 0 Vanguard ALLWRLD EX US 922042775 4300 73324 SH SOLE 4300 0 0 Vanguard INF TECH ETF 92204A702 370 641 SH SOLE 370 0 0 Vanguard HEALTH CAR ETF 92204A504 228 856 SH SOLE 228 0 0 Vanguard MCAP GR IDXVIP 922908538 17323 75461 SH SOLE 17323 0 0 Vanguard TT WRLD ST ETF 922042742 2337 20746 SH SOLE 2337 0 0 Vanguard LARGE CAP ETF 922908637 3371 13504 SH SOLE 3371 0 0 Vanguard EXTEND MKT ETF 922908652 1126 6673 SH SOLE 1126 0 0 APPLE INC COM 037833100 5048 23965 SH SOLE 5048 0 0 iShares S&P MC 400GR ETF 464287606 418 4742 SH SOLE 418 0 0 iShares RUS 1000 GRW ETF 464287614 2247 6164 SH SOLE 2247 0 0 iShares RUS 2000 GRW ETF 464287648 997 3798 SH SOLE 997 0 0 iShares S&P SML 600 GWT 464287887 283 2201 SH SOLE 283 0 0 iShares ISHARES 46428Q109 202 7612 SH SOLE 202 0 0 iShares 0-5 YR TIPS ETF 46429B747 335605 3373251 SH SOLE 335605 0 0 iShares CORE MSCI TOTAL 46432F834 1945 28796 SH SOLE 1945 0 0 iShares 0-5YR HI YL CP 46434V407 10905 258409 SH SOLE 10905 0 0 Invesco S&P500 EQL WGT 46137V357 665 4045 SH SOLE 665 0 0 Health SBI HEALTHCARE 81369Y209 338 2317 SH SOLE 338 0 0 SPDR TECHNOLOGY 81369Y803 248 1095 SH SOLE 248 0 0 Vanguard MEGA GRWTH IND 921910816 1172 3730 SH SOLE 1172 0 0 Vanguard SHRT TRM CORP BD 92206C409 3017 39039 SH SOLE 3017 0 0 Vanguard INTER TERM TREAS 92206C706 757 12999 SH SOLE 757 0 0 Schwab FUNDAMENTAL US L 808524771 354 5287 SH SOLE 354 0 0 Schwab FUNDAMENTAL US S 808524763 2277 41463 SH SOLE 2277 0 0 Schwab FUNDAMENTAL EMER 808524730 986 33357 SH SOLE 986 0 0 ALPHABET INC CAP STK CL C 02079K107 457 2492 SH SOLE 457 0 0 AMAZON COM INC COM 023135106 339 1755 SH SOLE 339 0 0 MICROSOFT CORP COM 594918104 2019 4518 SH SOLE 2019 0 0 EXXON MOBIL CORP COM 30231G102 645 5602 SH SOLE 645 0 0 DISNEY WALT CO COM 254687106 222 2235 SH SOLE 222 0 0 Goldman Sachs ACCES TREASURY 381430529 522867 5224492 SH SOLE 522867 0 0 iShares RUS MID CAP ETF 464287499 319 3930 SH SOLE 319 0 0 SPDR State Street Global Advisors INDL 81369Y704 254 2081 SH SOLE 254 0 0 iShares RUS MD CP GR ETF 464287481 438 3972 SH SOLE 438 0 0 SPDR State Street Global Advisors SBI INT-UTILS 81369Y886 386 5664 SH SOLE 386 0 0 iShares FLTG RATE NT ETF 46429B655 13138 257157 SH SOLE 13138 0 0 iShares S&P 100 ETF 464287101 723 2736 SH SOLE 723 0 0 iShares MSCI USA QLT FCT 46432F339 1955 11450 SH SOLE 1955 0 0 iShares US TREAS BD ETF 46429B267 669 29648 SH SOLE 669 0 0 iShares U.S. TECH ETF 464287721 320 2124 SH SOLE 320 0 0 SPDR State Street Global Advisors NUVEEN BLMBRG SH 78468R739 63702 1349895 SH SOLE 63702 0 0 SPDR State Street Global Advisors SPDR TR TACTIC 78467V848 281 7082 SH SOLE 281 0 0 SPDR State Street Global Advisors PORTFOLIO SHORT 78464A474 1567 52745 SH SOLE 1567 0 0 ProShares S&P 500 DV ARIST 74348A467 294 3062 SH SOLE 294 0 0 WisdomTree US MIDCAP DIVID 97717W505 596 12736 SH SOLE 596 0 0 iShares MSCI USA VALUE 46432F388 318 3071 SH SOLE 318 0 0 iShares EAFE GRWTH ETF 464288885 603 5890 SH SOLE 603 0 0 iShares MSCI USA MMENTM 46432F396 3634 18649 SH SOLE 3634 0 0 iShares BLACKROCK SH DUR 46431W507 2663 52912 SH SOLE 2663 0 0 Vanguard SHORT TERM TREAS 92206C102 2843 49029 SH SOLE 2843 0 0 Vanguard MEGA CAP VAL ETF 921910840 304 2569 SH SOLE 304 0 0 SPDR State Street Global Advisors BLACKSTONE SENR 78467V608 441 10557 SH SOLE 441 0 0 Invesco LARGE CAP VALUE 46137V738 225 4084 SH SOLE 225 0 0 iShares SHRT NAT MUN ETF 464288158 2664 25485 SH SOLE 2664 0 0 Vanguard MEGA CAP INDEX 921910873 288 1460 SH SOLE 288 0 0 iShares CORE DIV GRWTH 46434V621 497 8624 SH SOLE 497 0 0 Van Eck OIL SERVICES ETF 92189H607 574 1815 SH SOLE 574 0 0 WisdomTree INTL SMCAP DIV 97717W760 809 12749 SH SOLE 809 0 0 Invesco S&P500 QUALITY 46137V241 244 3847 SH SOLE 244 0 0 SPDR State Street Global Advisors PORTFOLIO AGRGTE 78464A649 417 16628 SH SOLE 417 0 0 Invesco FTSE RAFI DEV 46138E743 311 6383 SH SOLE 311 0 0 SPDR State Street Global Advisors S&P 600 SMCP VAL 78464A300 930 11880 SH SOLE 930 0 0 Van Eck MRNGSTR WDE MOAT 92189F643 4782 55211 SH SOLE 4782 0 0 Vanguard MIDCP 400 GRTH 921932869 926 8458 SH SOLE 926 0 0 iShares EXPONENTIAL TECH 46434V381 7396 125721 SH SOLE 7396 0 0 iShares CORE TOTAL USD 46434V613 1244 27501 SH SOLE 1244 0 0 Schwab ETFs INT-TRM U.S TRES 808524854 1144 23454 SH SOLE 1144 0 0 Invesco S&P 500 HB ETF 46138E370 251 2971 SH SOLE 251 0 0 iShares RUS TP200 GR ETF 464289438 2666 12426 SH SOLE 2666 0 0 SPDR State Street Global Advisors PORTFOLIO DEVLPD 78463X889 48430 1380571 SH SOLE 48430 0 0 iShares MSCI KLD400 SOC 464288570 46422 447015 SH SOLE 46422 0 0 SPDR State Street Global Advisors PRTFLO S&P500 GW 78464A409 2331 29095 SH SOLE 2331 0 0 Van Eck FALLEN ANGEL HG 92189F437 2644 93431 SH SOLE 2644 0 0 SPDR State Street Global Advisors NUVEEN BLOOMBERG 78464A284 9920 389927 SH SOLE 9920 0 0 iShares MSCI USA ESG SLC 464288802 21663 192784 SH SOLE 21663 0 0 Van Eck SEMICONDUCTR ETF 92189F676 308 1180 SH SOLE 308 0 0 WisdomTree US SMALLCAP FUND 97717W562 378 8015 SH SOLE 378 0 0 SPDR State Street Global Advisors PORTFOLI S&P1500 78464A805 2116 31891 SH SOLE 2116 0 0 iShares MSCI LW CRB TG 46434V464 231869 1265178 SH SOLE 231869 0 0 SPDR State Street Global Advisors PRTFLO S&P500 VL 78464A508 146629 3008399 SH SOLE 146629 0 0 SPDR State Street Global Advisors PORTFOLIO EMG MK 78463X509 19375 514334 SH SOLE 19375 0 0 Vanguard INTL HIGH ETF 921946794 683 9971 SH SOLE 683 0 0 SPDR State Street Global Advisors SPDR MSCI USA GE 78468R747 3968 36476 SH SOLE 3968 0 0 Vanguard INTL DVD ETF 921946810 7661 94253 SH SOLE 7661 0 0 PIMCO INTER MUN BD ACT 72201R866 358 6877 SH SOLE 358 0 0 Fidelity Investments TOTAL BD ETF 316188309 1790 39833 SH SOLE 1790 0 0 iShares JP MRGN EM HI BD 464286285 6989 188646 SH SOLE 6989 0 0 Vanguard SMLCP 600 VAL 921932778 361 4309 SH SOLE 361 0 0 SPDR State Street Global Advisors PORTFOLIO S&P600 78468R853 608246 14645935 SH SOLE 608246 0 0 iShares MRGSTR MD CP GRW 464288307 1088 16062 SH SOLE 1088 0 0 First Trust NASDAQ CYB ETF 33734X846 205 3638 SH SOLE 205 0 0 SPDR State Street Global Advisors PORTFOLIO S&P400 78464A847 834061 16258493 SH SOLE 834061 0 0 iShares GNMA BOND ETF 46429B333 237 5500 SH SOLE 237 0 0 John Hancock MULTIFACTOR MI 47804J206 1216 22096 SH SOLE 1216 0 0 SPDR State Street Global Advisors PORTFOLIO SH TSR 78468R101 247 8540 SH SOLE 247 0 0 SPDR State Street Global Advisors PORTFOLIO S&P500 78464A854 2733836 42716183 SH SOLE 2733836 0 0 WisdomTree US LARGECAP FUND 97717W588 1492 26231 SH SOLE 1492 0 0 SPDR State Street Global Advisors SPDR S&P 500 ETF 78468R796 87438 1960498 SH SOLE 87438 0 0 WisdomTree YIELD ENHANCD US 97717X511 934 21740 SH SOLE 934 0 0 iShares CONV BD ETF 46435G102 201 2551 SH SOLE 201 0 0 iShares BLACKROCK ULTRA 46434V878 1899 37573 SH SOLE 1899 0 0 First Trust RISNG DIVD ACHIV 33738R506 1025 18721 SH SOLE 1025 0 0 SPDR State Street Global Advisors MSCI EAFE STRTGC 78463X434 1345 17996 SH SOLE 1345 0 0 iShares ESG AW MSCI EAFE 46435G516 264491 3357341 SH SOLE 264491 0 0 SPDR State Street Global Advisors MULT ASS RLRTN 78467V103 294 10655 SH SOLE 294 0 0 Van Eck IG FLOATING RATE 92189F486 692 27146 SH SOLE 692 0 0 iShares CRE U S REIT ETF 464288521 520 9711 SH SOLE 520 0 0 Invesco S&P MDCP MOMNTUM 46137V464 550 4824 SH SOLE 550 0 0 First Trust Exchange-Traded Fund VIII TCW OPPORTUNIS 33740F805 3243 75337 SH SOLE 3243 0 0 EA Series Trust US QUAN VALUE 02072L102 476 11110 SH SOLE 476 0 0 Invesco VAR RATE INVT 46090A879 895 35585 SH SOLE 895 0 0 EA Series Trust INTL QUAN VALUE 02072L201 371 14898 SH SOLE 371 0 0 SPDR State Street Global Advisors PORTFLI HIGH YLD 78468R606 448 19287 SH SOLE 448 0 0 iShares ESG AWR MSCI EM 46434G863 105529 3147310 SH SOLE 105529 0 0 Fidelity Investments HIGH DIVID ETF 316092840 318 6806 SH SOLE 318 0 0 Goldman Sachs ACTIVEBETA JAP 381430404 2163 57630 SH SOLE 2163 0 0 SPDR State Street Global Advisors MSCI EAFE FS ETF 78470E106 52976 1298747 SH SOLE 52976 0 0 Goldman Sachs ACTIVEBETA EUR 381430305 9422 260347 SH SOLE 9422 0 0 iShares CORE MSCI INTL 46435G326 348 5300 SH SOLE 348 0 0 Invesco S&P SMLCP MOMENT 46137V498 765 12733 SH SOLE 765 0 0 Invesco TOTAL RETURN 46090A804 438 9442 SH SOLE 438 0 0 EA Series Trust INTL QUAN MOMNTM 02072L300 336 12175 SH SOLE 336 0 0 iShares MSCI INTL QUALTY 46434V456 1545 39568 SH SOLE 1545 0 0 iShares MSCI INTL MOMENT 46434V449 1936 50048 SH SOLE 1936 0 0 Ark ETF Trust NEXT GNRTN INTER 00214Q401 1514 19406 SH SOLE 1514 0 0 Fidelity Investments LOW VOLITY ETF 316092824 478 8383 SH SOLE 478 0 0 iShares TRS FLT RT BD 46434V860 15311 302225 SH SOLE 15311 0 0 Ark ETF Trust INNOVATION ETF 00214Q104 399 9069 SH SOLE 399 0 0 ProShares PRIV EQTY-LSTD 74348A533 233 8153 SH SOLE 233 0 0 Nuveen NUVEEN ESG SMLCP 67092P607 228 5798 SH SOLE 228 0 0 iShares FALN ANGLS USD 46435G474 12669 483724 SH SOLE 12669 0 0 Pacer US CASH COWS 100 69374H881 2300 42211 SH SOLE 2300 0 0 iShares ESG AWR MSCI USA 46435G425 385183 3228147 SH SOLE 385183 0 0 SPDR State Street Global Advisors MSCI EMR MKT ETF 78470E205 26116 806292 SH SOLE 26116 0 0 Invesco S&P INTL MOMNT 46138E222 592 14328 SH SOLE 592 0 0 WisdomTree EM EX ST-OWNED 97717X578 5210 170106 SH SOLE 5210 0 0 Invesco S&P 500 MOMNTM 46138E339 1068 12212 SH SOLE 1068 0 0 Goldman Sachs ACTIVEBETA US 381430602 54259 856494 SH SOLE 54259 0 0 Goldman Sachs ACCESS INVT GR 381430479 30029 663632 SH SOLE 30029 0 0 Goldman Sachs ACCESS HIG YLD 381430453 17250 391965 SH SOLE 17250 0 0 XTRACKERS XTRACK USD HIGH 233051432 8492 239494 SH SOLE 8492 0 0 NVIDIA CORPORATION COM 67066G104 437 3541 SH SOLE 437 0 0 INTEL CORP COM 458140100 200 6473 SH SOLE 200 0 0 COMCAST CORP NEW CL A 20030N101 568 14507 SH SOLE 568 0 0 ABBVIE INC COM 00287Y109 366 2136 SH SOLE 366 0 0 HOME DEPOT INC COM 437076102 582 1692 SH SOLE 582 0 0 WALMART INC COM 931142103 318 4695 SH SOLE 318 0 0 PROCTER AND GAMBLE CO COM 742718109 569 3450 SH SOLE 569 0 0 GOLDMAN SACHS GROUP INC COM 38141G104 252 558 SH SOLE 252 0 0 MCDONALDS CORP COM 580135101 510 2003 SH SOLE 510 0 0 MASTERCARD INCORPORATED CL A 57636Q104 248 563 SH SOLE 248 0 0 TEXAS INSTRS INC COM 882508104 755 3879 SH SOLE 755 0 0 LOCKHEED MARTIN CORP COM 539830109 667 1429 SH SOLE 667 0 0 TJX COS INC NEW COM 872540109 229 2084 SH SOLE 229 0 0 INTUIT COM 461202103 462 703 SH SOLE 462 0 0 ABBOTT LABS COM 002824100 341 3278 SH SOLE 341 0 0 AUTOZONE INC COM 053332102 448 151 SH SOLE 448 0 0 ROSS STORES INC COM 778296103 276 1898 SH SOLE 276 0 0 OREILLY AUTOMOTIVE INC COM 67103H107 222 210 SH SOLE 222 0 0 ISHARES BROAD USD HIGH 46435U853 5332 146959 SH SOLE 5332 0 0 GraniteShares BBG COMMD K 1 38747R108 9497 466433 SH SOLE 9497 0 0 SPDR State Street Global Advisors SPDR GLD MINIS 98149E303 542 11765 SH SOLE 542 0 0 JP Morgan ULTRA SHRT INC 46641Q837 261452 5180348 SH SOLE 261452 0 0 Goldman Sachs ACCESS INFLATI 381430362 6291 129662 SH SOLE 6291 0 0 Vanguard Total World Bond ETF TOTAL WLD BD ETF 92206C565 4132 60765 SH SOLE 4132 0 0 iShares ESG AWR US AGRGT 46435U549 39588 849354 SH SOLE 39588 0 0 AVANTIS INTL INTL SMCP VLU 025072802 6543 100740 SH SOLE 6543 0 0 Avantis US SML CP VALU 025072877 13204 147172 SH SOLE 13204 0 0 Goldman Sachs ACCESS US AGRAT 38149W101 26312 645058 SH SOLE 26312 0 0 Impact Shares NAACP MINO ETF 45259A209 3944 99872 SH SOLE 3944 0 0 iShares USD GRN BOND ETF 46435U440 55091 1183727 SH SOLE 55091 0 0 Dimensional Fund Advisors INTL CORE EQT MK 25434V203 26865 905454 SH SOLE 26865 0 0 Dimensional Fund Advisors EMGR CRE EQT MNG 25434V302 7365 284703 SH SOLE 7365 0 0 Dimensional Fund Advisors US CORE EQT MKT 25434V104 41018 1094099 SH SOLE 41018 0 0 J P MORGAN EXCHANGE TRADED US QUALTY FCTR 46641Q761 273 5150 SH SOLE 273 0 0 VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 227 3002 SH SOLE 227 0 0 Cambria Funds GBL REAL EST ETF 132061813 831 34867 SH SOLE 831 0 0 ISHARES ESG AWRE USD ETF 46435G193 23560 1036957 SH SOLE 23560 0 0 iShares ESG ADV TTL USD 46436E619 1474 34649 SH SOLE 1474 0 0 iShares ESG AWRE 1 5 YR 46435G243 247 10086 SH SOLE 247 0 0 iShares ESG EAFE ETF 46436E759 715 10604 SH SOLE 715 0 0 Vanguard ESG INTL STK ETF 921910725 1631 28477 SH SOLE 1631 0 0 iShares ESG MSCI USA ETF 46436E767 319 6856 SH SOLE 319 0 0 BlackRock Fund Advisors ESG AWARE MSCI 46435U663 52953 1375401 SH SOLE 52953 0 0 VANGUARD ESG US STK ETF 921910733 36207 374736 SH SOLE 36207 0 0 INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 3202 16245 SH SOLE 3202 0 0 State Street Global Advisors Inc S&P KENSHO NEW 78468R648 72933 1583093 SH SOLE 72933 0 0 PACER FDS TR PACER US SMALL 69374H857 565 12981 SH SOLE 565 0 0 Dimensional US SMALL CAP ETF 25434V500 575 9569 SH SOLE 575 0 0 Dimensional US TARGETED VLU 25434V609 12228 235744 SH SOLE 12228 0 0 Dimensional US EQUITY ETF 25434V401 6867 116689 SH SOLE 6867 0 0 Dimensional US CORE EQUITY 2 25434V708 67785 2102513 SH SOLE 67785 0 0 J P MORGAN EXCHANGE TRADED F BETABUILDERS I 46641Q373 281 4758 SH SOLE 281 0 0 PGIM ETF TR PGIM ULTRA SH BD 69344A107 3176 63898 SH SOLE 3176 0 0 AMERICAN CENTY ETF TR US EQT ETF 025072885 3539 39234 SH SOLE 3539 0 0 J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 295 5203 SH SOLE 295 0 0 ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 544 19528 SH SOLE 544 0 0 VICTORY PORTFOLIOS II CORE INTERMEDIAT 92647N527 411 8937 SH SOLE 411 0 0 AMERICAN CENTY ETF TR INTL EQT ETF 025072703 356 5723 SH SOLE 356 0 0 ISHARES TR 0-3 MNTH TREASRY 46436E718 3646 36201 SH SOLE 3646 0 0 AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 387 6333 SH SOLE 387 0 0 ISHARES INC MSCI EMRG CHN 46434G764 679 11463 SH SOLE 679 0 0 J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399 974 9927 SH SOLE 974 0 0 VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 14267 288102 SH SOLE 14267 0 0 BNY MELLON ETF TRUST US LRG CP CORE 09661T107 505 4867 SH SOLE 505 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417 780 22201 SH SOLE 780 0 0 J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 1107 23902 SH SOLE 1107 0 0 ISHARES TR INVESTMENT GRADE 46435G219 12304 277375 SH SOLE 12304 0 0 Innovator Capital Management LLC US EQTY PWR BUF 45782C797 408 10660 SH SOLE 408 0 0 ISHARES TR HIGH YLD SYSTM B 46435G250 4634 99776 SH SOLE 4634 0 0 JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 759 14919 SH SOLE 759 0 0 INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680 318 8709 SH SOLE 318 0 0 BLACKROCK ETF TRUST US EQT FACTOR 09290C103 1616 34423 SH SOLE 1616 0 0 Innovator Capital Management LLC US EQTY BUF OCT 45782C771 271 6510 SH SOLE 271 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813 371 9543 SH SOLE 371 0 0 Innovator Capital Management LLC US EQTY ULTRA B 45782C821 843 24594 SH SOLE 843 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748 324 9100 SH SOLE 324 0 0 Engine No. 1 TRANSFRM 500 ETF 29287L106 75494 1187388 SH SOLE 75494 0 0 Dimensional Fund Advisors LP INTERNATNAL VAL 25434V807 4327 120391 SH SOLE 4327 0 0 Dimensional Fund Advisors LP WORLD EX US CORE 25434V880 6094 239742 SH SOLE 6094 0 0 Dimensional Fund Advisors LP CORE FIXED INCOM 25434V872 27619 664878 SH SOLE 27619 0 0 Dimensional Fund Advisors LP SHORT DURATION F 25434V864 9004 191583 SH SOLE 9004 0 0 Dimensional Fund Advisors LP NATL MUN BD ETF 25434V849 448 9380 SH SOLE 448 0 0 American Century Investment Management Inc AVANTIS CORE FI 025072562 418 10253 SH SOLE 418 0 0 Dimensional Fund Advisors LP US HIGH PROFITAB 25434V831 1076 33635 SH SOLE 1076 0 0 Dimensional Fund Advisors LP US REAL ESTATE E 25434V823 3988 180457 SH SOLE 3988 0 0 Dimensional Fund Advisors LP INTL SMALL CAP E 25434V773 2081 84504 SH SOLE 2081 0 0 Dimensional Fund Advisors LP INTL SMALL CAP V 25434V781 747 27772 SH SOLE 747 0 0 Dimensional Fund Advisors LP INTL HIGH PROFIT 25434V765 351 13347 SH SOLE 351 0 0 Dimensional Fund Advisors LP INTL CORE EQUITY 25434V799 28526 1085052 SH SOLE 28526 0 0 Dimensional Fund Advisors LP US MKTWIDE VALUE 25434V724 216 5507 SH SOLE 216 0 0 Dimensional Fund Advisors LP EMERGING MKTS CO 25434V732 18725 700507 SH SOLE 18725 0 0 Dimensional Fund Advisors LP EMERGING MKTS VA 25434V740 2314 84156 SH SOLE 2314 0 0 Dimensional Fund Advisors LP EMERGING MKTS HI 25434V757 910 34976 SH SOLE 910 0 0 Goldman Sachs Asset Management LP ACCESS EMNG MKTS 381430388 13283 329437 SH SOLE 13283 0 0 Dimensional Fund Advisors LP US SMALL CAP VAL 25434V815 1686 58582 SH SOLE 1686 0 0 Capital Research and Management Co SHS CREATION UNI 14020G101 240 7299 SH SOLE 240 0 0 Innovator Capital Management LLC DEFINED WLT SHLD 45783Y855 591 19683 SH SOLE 591 0 0 Capital Research and Management Co SHS CREATION UNI 14020W106 1064 32244 SH SOLE 1064 0 0 Dimensional Fund Advisors LP US SUSTAINABILTY 25434V716 825 23678 SH SOLE 825 0 0 Dimensional Fund Advisors LP INTERNATIONAL 25434V690 409 12411 SH SOLE 409 0 0 Dimensional Fund Advisors LP GLOBAL SUSTAINA 25434V674 202 3944 SH SOLE 202 0 0 Dimensional Fund Advisors LP GLOBAL REAL EST 25434V658 1597 63890 SH SOLE 1597 0 0 F/m Investments LLC US TREAS 3 MNTH 74933W452 257 5141 SH SOLE 257 0 0 Dimensional Fund Advisors LP US LARGE CAP VAL 25434V666 7100 245605 SH SOLE 7100 0 0 Arch Capital Group Ltd ORD G0450A105 447 4431 SH SOLE 447 0 0 Summit Global Investments LLC SGI US LARGE CAP 74933W593 929 26621 SH SOLE 929 0 0 Summit Global Investments LLC SGI DIVERSI TAC 74933W577 334 11127 SH SOLE 334 0 0 American Century Investment Management Inc AVANTIS ALL EQT 025072232 416 5998 SH SOLE 416 0 0 Capital Research and Management Co US MULTI-SECTOR 14020Y300 1201 44619 SH SOLE 1201 0 0 BlackRock Fund Advisors FLEXIBLE INCOME 092528603 3203 61353 SH SOLE 3203 0 0 Clockwise Capital LLC CLOCKWISE CORE E 88636J329 235 8666 SH SOLE 235 0 0 Dimensional Fund Advisors LP WORLD EQUITY ETF 25434V617 481 8084 SH SOLE 481 0 0 Goldman Sachs Asset Management LP S&P 500 CORE PRE 38149W622 248 5217 SH SOLE 248 0 0 Goldman Sachs Asset Management LP NASDAQ 100 CORE 38149W630 335 6980 SH SOLE 335 0 0 Dimensional Fund Advisors LP US CORE EQUITY 1 25434V625 8634 145061 SH SOLE 8634 0 0 Dimensional Fund Advisors LP GLOBAL EX US COR 25434V575 2967 56479 SH SOLE 2967 0 0 Dimensional Fund Advisors LP GLOBAL CR ETF 25434V567 2898 55028 SH SOLE 2898 0 0 Dimensional Fund Advisors LP GLOBAL CORE PLUS 25434V583 388 7330 SH SOLE 388 0 0 Bitwise Asset Management Inc SHS BEN INT 09174C104 2368 72453 SH SOLE 2368 0 0 Vaneck Digital Assets LLC SH BEN INT 92189K105 274 4035 SH SOLE 274 0 0 BlackRock Fund Advisors SHS 46438F101 887 25970 SH SOLE 887 0 0 JP Morgan Investment Management Inc SUSTAINABLE MUNI 46654Q815 8786 174732 SH SOLE 8786 0 0 Summit Global Investments LLC SGI ENHANCED COR 74933W254 3015 117829 SH SOLE 3015 0 0 Summit Global Investments LLC SGI ENHANCED GLB 74933W262 542 20775 SH SOLE 542 0 0