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   2,300 21,540 SH   SOLE   2,300 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,569,307 28,295,418 SH   SOLE   7,569,307 0 0
ISHARES TR S&P 500 VAL ETF 464287408   79,332 435,867 SH   SOLE   79,332 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   840 4,817 SH   SOLE   840 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   230,761 1,911,224 SH   SOLE   230,761 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   136,081 893,505 SH   SOLE   136,081 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   653 7,993 SH   SOLE   653 0 0
VANGUARD TAX MANAGED INTL FD VAN FTSE DEV MKT 921943858   6,158,580 124,617,150 SH   SOLE   6,158,580 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,565,123 58,617,982 SH   SOLE   2,565,123 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,428 9,974 SH   SOLE   5,428 0 0
ISHARES TR SHORT TREAS BD 464288679   175,774 1,590,715 SH   SOLE   175,774 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835   96,944 1,345,507 SH   SOLE   96,944 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   214 2,129 SH   SOLE   214 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,322 75,481 SH   SOLE   6,322 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,794,294 18,484,532 SH   SOLE   1,794,294 0 0
VANGUARD WHITEHALL FDS INC EM MK GOV BD ETF 921946885   124,866 1,984,831 SH   SOLE   124,866 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   999,833 20,543,114 SH   SOLE   999,833 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   146,058 3,009,028 SH   SOLE   146,058 0 0
ISHARES TR IBOXX INV CP ETF 464287242   14,525 135,594 SH   SOLE   14,525 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,680,614 15,773,012 SH   SOLE   1,680,614 0 0
ISHARES TR CALIF MUN BD ETF 464288356   10,760 189,166 SH   SOLE   10,760 0 0
ISHARES TR NEW YORK MUN ETF 464288323   8,289 155,257 SH   SOLE   8,289 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   992 21,774 SH   SOLE   992 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,033 37,950 SH   SOLE   3,033 0 0
SPDR SERIES TRUST NUVEEN BLMBRG MU 78468R721   315,863 6,904,114 SH   SOLE   315,863 0 0
ISHARES TR JPMORGAN USD EMG 464288281   758,295 8,570,245 SH   SOLE   758,295 0 0
Invesco EMRNG MKT SVRG 46138E784   1,535 76,740 SH   SOLE   1,535 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   387,972 6,171,023 SH   SOLE   387,972 0 0
ISHARES TR CORE S&P TTL STK 464287150   1,472,054 12,393,110 SH   SOLE   1,472,054 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   957,881 5,971,457 SH   SOLE   957,881 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   122,268 1,650,491 SH   SOLE   122,268 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   728,409 4,842,178 SH   SOLE   728,409 0 0
ISHARES TR S&P MC 400VL ETF 464287705   2,740 24,152 SH   SOLE   2,740 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   699,720 3,833,661 SH   SOLE   699,720 0 0
ISHARES TR SP SMCP600VL ETF 464287879   414 4,259 SH   SOLE   414 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   488,580 12,716,823 SH   SOLE   488,580 0 0
ISHARES TR CORE MSCI EAFE 46432F842   848,230 11,677,182 SH   SOLE   848,230 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,979 74,493 SH   SOLE   1,979 0 0
ISHARES INC CORE MSCI EMKT 46434G103   484,906 9,058,592 SH   SOLE   484,906 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844   17,085 93,591 SH   SOLE   17,085 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   999 19,201 SH   SOLE   999 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   7,731 190,572 SH   SOLE   7,731 0 0
ISHARES TR CORE S&P500 ETF 464287200   94,497 172,682 SH   SOLE   94,497 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   10,608 531,181 SH   SOLE   10,608 0 0
Invesco UNIT SER 1 46090E103   17,915 37,392 SH   SOLE   17,915 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793   11,466 163,131 SH   SOLE   11,466 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,076 5,303 SH   SOLE   1,076 0 0
ISHARES CORE LT USDB ETF 464289479   901 18,116 SH   SOLE   901 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   3,993 42,633 SH   SOLE   3,993 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,300 22,810 SH   SOLE   2,300 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   31,306 143,581 SH   SOLE   31,306 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   5,500 22,716 SH   SOLE   5,500 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   112,224 224,390 SH   SOLE   112,224 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,255 38,535 SH   SOLE   2,255 0 0
FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101   1,283 42,110 SH   SOLE   1,283 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   769 2,492 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   1,844 23,713 SH   SOLE   1,844 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   75,438 201,700 SH   SOLE   75,438 0 0
ISHARES TR CORE S&P US GWT 464287671   807 6,334 SH   SOLE   807 0 0
ISHARES TR CORE S&P SCP ETF 464287804   9,208 86,335 SH   SOLE   9,208 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,875 102,734 SH   SOLE   4,875 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   810 8,749 SH   SOLE   810 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768   1,996 33,108 SH   SOLE   1,996 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,151 12,626 SH   SOLE   1,151 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   1,872 19,058 SH   SOLE   1,872 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   63,799 992,986 SH   SOLE   63,799 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,749 22,473 SH   SOLE   1,749 0 0
DBX ETF TR XTRACK HRVST CSI 233051879   397 16,859 SH   SOLE   397 0 0
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   979 10,670 SH   SOLE   979 0 0
ISHARES GOLD TRUST ISHARES NEW 464285204   515 11,712 SH   SOLE   515 0 0
SPDR GOLD TRUST GOLD SHS 78463V107   1,400 6,511 SH   SOLE   1,400 0 0
Invesco GBL LISTED PVT 46137V118   618 10,109 SH   SOLE   618 0 0
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   699 22,512 SH   SOLE   699 0 0
WISDOMTREE TR FUTRE STRAT FD 97717W125   2,854 78,683 SH   SOLE   2,854 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,194 28,004 SH   SOLE   2,194 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819   13,887 185,435 SH   SOLE   13,887 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   507 22,804 SH   SOLE   507 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406   2,256 19,019 SH   SOLE   2,256 0 0
ISHARES TR MSCI AC ASIA ETF 464288182   705 9,799 SH   SOLE   705 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775   472 5,185 SH   SOLE   472 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827   35,877 467,752 SH   SOLE   35,877 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,302 25,405 SH   SOLE   1,302 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   3,975 77,572 SH   SOLE   3,975 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   216 5,210 SH   SOLE   216 0 0
ISHARES TR EAFE VALUE ETF 464288877   886 16,702 SH   SOLE   886 0 0
ISHARES TR EAFE SML CP ETF 464288273   264 4,286 SH   SOLE   264 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281   1,179 22,916 SH   SOLE   1,179 0 0
ISHARES TR PFD AND INCM SEC 464288687   288 9,114 SH   SOLE   288 0 0
SPDR SERIES TRUST ICE PFD SEC ETF 78464A292   809 23,849 SH   SOLE   809 0 0
ISHARES TR MBS ETF 464288588   9,076 98,852 SH   SOLE   9,076 0 0
MARKET VECTORS ETF TR HIGH YLD MUNIETF 92189H409   1,267 24,531 SH   SOLE   1,267 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   408 3,969 SH   SOLE   408 0 0
ISHARES TR 20 YR TR BD ETF 464287432   227 2,478 SH   SOLE   227 0 0
VANGUARD BD INDEX FD INC LONG TERM TREAS 92206C847   11,116 192,718 SH   SOLE   11,116 0 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664   1,024 37,618 SH   SOLE   1,024 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   654 5,666 SH   SOLE   654 0 0
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672   648 23,128 SH   SOLE   648 0 0
CAMBRIA ETF TR VALUE MOMENTUM 132061888   2,381 86,090 SH   SOLE   2,381 0 0
CAMBRIA ETF TR GLOBAL VALUE ETF 132061409   2,108 100,625 SH   SOLE   2,108 0 0
CAMBRIA ETF TR GLB MOMENT ETF 132061508   11,145 390,773 SH   SOLE   11,145 0 0
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   1,900 27,825 SH   SOLE   1,900 0 0
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300   954 36,117 SH   SOLE   954 0 0
CAMBRIA ETF TR EMRG SHAREHLDR 132061706   1,044 30,349 SH   SOLE   1,044 0 0
Invesco OPTIMUM YIELD 46090F100   441 31,396 SH   SOLE   441 0 0
WISDOMTREE TR WISDOMTREE US VA 97717W547   223 3,052 SH   SOLE   223 0 0
VANGUARD BD INDEX FD INC TAX EXEMPT BD 922907746   1,706 34,054 SH   SOLE   1,706 0 0
VANECK VECTORS TR JP MRGAN EM LOC 92189H300   946 39,785 SH   SOLE   946 0 0
VANGUARD INDEX FDS 500 GRTH IDX F 921932505   7,121 21,355 SH   SOLE   7,121 0 0
VANGUARD INDEX FDS 500 VAL IDX FD 921932703   6,511 37,041 SH   SOLE   6,511 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   1,834 38,714 SH   SOLE   1,834 0 0
ISHARES TR INTRM GOV CR ETF 464288612   1,851 17,843 SH   SOLE   1,851 0 0
VANGUARD BD INDEX FD INC MTG-BKD SECS ETF 92206C771   10,595 233,366 SH   SOLE   10,595 0 0
ISHARES TR CORE INTL AGGR 46435G672   69,283 1,387,874 SH   SOLE   69,283 0 0
Goldman Sachs ACTIVEBETA US LG 381430503   545,759 5,102,939 SH   SOLE   545,759 0 0
Goldman Sachs ACTIVEBETA INT 381430107   226,000 6,716,207 SH   SOLE   226,000 0 0
Goldman Sachs ACTIVEBETA EME 381430206   50,357 1,541,395 SH   SOLE   50,357 0 0
ISHARES TR IBOXX HI YD ETF 464288513   463 6,008 SH   SOLE   463 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   221 2,911 SH   SOLE   221 0 0
ISHARES TR RUS 1000 ETF 464287622   650 2,185 SH   SOLE   650 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   257 8,092 SH   SOLE   257 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   529 4,506 SH   SOLE   529 0 0
ISHARES TR USD INV GRDE ETF 464288620   1,386 27,604 SH   SOLE   1,386 0 0
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622   6,447 68,386 SH   SOLE   6,447 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,481 42,270 SH   SOLE   1,481 0 0
Vanguard SML CP GRW ETF 922908595   3,989 15,949 SH   SOLE   3,989 0 0
Vanguard CONSUM STP ETF 92204A207   277 1,366 SH   SOLE   277 0 0
Vanguard ALLWRLD EX US 922042775   4,300 73,324 SH   SOLE   4,300 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   17,323 75,461 SH   SOLE   17,323 0 0
Vanguard TT WRLD ST ETF 922042742   2,337 20,746 SH   SOLE   2,337 0 0
Vanguard LARGE CAP ETF 922908637   3,371 13,504 SH   SOLE   3,371 0 0
Vanguard EXTEND MKT ETF 922908652   1,126 6,673 SH   SOLE   1,126 0 0
APPLE INC COM 037833100   5,048 23,965 SH   SOLE   5,048 0 0
iShares S&P MC 400GR ETF 464287606   418 4,742 SH   SOLE   418 0 0
iShares RUS 1000 GRW ETF 464287614   2,247 6,164 SH   SOLE   2,247 0 0
iShares RUS 2000 GRW ETF 464287648   997 3,798 SH   SOLE   997 0 0
iShares S&P SML 600 GWT 464287887   283 2,201 SH   SOLE   283 0 0
iShares ISHARES 46428Q109   202 7,612 SH   SOLE   202 0 0
iShares 0-5 YR TIPS ETF 46429B747   335,605 3,373,251 SH   SOLE   335,605 0 0
iShares CORE MSCI TOTAL 46432F834   1,945 28,796 SH   SOLE   1,945 0 0
iShares 0-5YR HI YL CP 46434V407   10,905 258,409 SH   SOLE   10,905 0 0
Invesco S&P500 EQL WGT 46137V357   665 4,045 SH   SOLE   665 0 0
Health SBI HEALTHCARE 81369Y209   338 2,317 SH   SOLE   338 0 0
SPDR TECHNOLOGY 81369Y803   248 1,095 SH   SOLE   248 0 0
Vanguard MEGA GRWTH IND 921910816   1,172 3,730 SH   SOLE   1,172 0 0
Vanguard SHRT TRM CORP BD 92206C409   3,017 39,039 SH   SOLE   3,017 0 0
Vanguard INTER TERM TREAS 92206C706   757 12,999 SH   SOLE   757 0 0
Schwab FUNDAMENTAL US L 808524771   354 5,287 SH   SOLE   354 0 0
Schwab FUNDAMENTAL US S 808524763   2,277 41,463 SH   SOLE   2,277 0 0
Schwab FUNDAMENTAL EMER 808524730   986 33,357 SH   SOLE   986 0 0
ALPHABET INC CAP STK CL C 02079K107   457 2,492 SH   SOLE   457 0 0
AMAZON COM INC COM 023135106   339 1,755 SH   SOLE   339 0 0
MICROSOFT CORP COM 594918104   2,019 4,518 SH   SOLE   2,019 0 0
EXXON MOBIL CORP COM 30231G102   645 5,602 SH   SOLE   645 0 0
DISNEY WALT CO COM 254687106   222 2,235 SH   SOLE   222 0 0
Goldman Sachs ACCES TREASURY 381430529   522,867 5,224,492 SH   SOLE   522,867 0 0
iShares RUS MID CAP ETF 464287499   319 3,930 SH   SOLE   319 0 0
SPDR State Street Global Advisors INDL 81369Y704   254 2,081 SH   SOLE   254 0 0
iShares RUS MD CP GR ETF 464287481   438 3,972 SH   SOLE   438 0 0
SPDR State Street Global Advisors SBI INT-UTILS 81369Y886   386 5,664 SH   SOLE   386 0 0
iShares FLTG RATE NT ETF 46429B655   13,138 257,157 SH   SOLE   13,138 0 0
iShares S&P 100 ETF 464287101   723 2,736 SH   SOLE   723 0 0
iShares MSCI USA QLT FCT 46432F339   1,955 11,450 SH   SOLE   1,955 0 0
iShares US TREAS BD ETF 46429B267   669 29,648 SH   SOLE   669 0 0
iShares U.S. TECH ETF 464287721   320 2,124 SH   SOLE   320 0 0
SPDR State Street Global Advisors NUVEEN BLMBRG SH 78468R739   63,702 1,349,895 SH   SOLE   63,702 0 0
SPDR State Street Global Advisors SPDR TR TACTIC 78467V848   281 7,082 SH   SOLE   281 0 0
SPDR State Street Global Advisors PORTFOLIO SHORT 78464A474   1,567 52,745 SH   SOLE   1,567 0 0
ProShares S&P 500 DV ARIST 74348A467   294 3,062 SH   SOLE   294 0 0
WisdomTree US MIDCAP DIVID 97717W505   596 12,736 SH   SOLE   596 0 0
iShares MSCI USA VALUE 46432F388   318 3,071 SH   SOLE   318 0 0
iShares EAFE GRWTH ETF 464288885   603 5,890 SH   SOLE   603 0 0
iShares MSCI USA MMENTM 46432F396   3,634 18,649 SH   SOLE   3,634 0 0
iShares BLACKROCK SH DUR 46431W507   2,663 52,912 SH   SOLE   2,663 0 0
Vanguard SHORT TERM TREAS 92206C102   2,843 49,029 SH   SOLE   2,843 0 0
Vanguard MEGA CAP VAL ETF 921910840   304 2,569 SH   SOLE   304 0 0
SPDR State Street Global Advisors BLACKSTONE SENR 78467V608   441 10,557 SH   SOLE   441 0 0
Invesco LARGE CAP VALUE 46137V738   225 4,084 SH   SOLE   225 0 0
iShares SHRT NAT MUN ETF 464288158   2,664 25,485 SH   SOLE   2,664 0 0
Vanguard MEGA CAP INDEX 921910873   288 1,460 SH   SOLE   288 0 0
iShares CORE DIV GRWTH 46434V621   497 8,624 SH   SOLE   497 0 0
Van Eck OIL SERVICES ETF 92189H607   574 1,815 SH   SOLE   574 0 0
WisdomTree INTL SMCAP DIV 97717W760   809 12,749 SH   SOLE   809 0 0
Invesco S&P500 QUALITY 46137V241   244 3,847 SH   SOLE   244 0 0
SPDR State Street Global Advisors PORTFOLIO AGRGTE 78464A649   417 16,628 SH   SOLE   417 0 0
Invesco FTSE RAFI DEV 46138E743   311 6,383 SH   SOLE   311 0 0
SPDR State Street Global Advisors S&P 600 SMCP VAL 78464A300   930 11,880 SH   SOLE   930 0 0
Van Eck MRNGSTR WDE MOAT 92189F643   4,782 55,211 SH   SOLE   4,782 0 0
Vanguard MIDCP 400 GRTH 921932869   926 8,458 SH   SOLE   926 0 0
iShares EXPONENTIAL TECH 46434V381   7,396 125,721 SH   SOLE   7,396 0 0
iShares CORE TOTAL USD 46434V613   1,244 27,501 SH   SOLE   1,244 0 0
Schwab ETFs INT-TRM U.S TRES 808524854   1,144 23,454 SH   SOLE   1,144 0 0
Invesco S&P 500 HB ETF 46138E370   251 2,971 SH   SOLE   251 0 0
iShares RUS TP200 GR ETF 464289438   2,666 12,426 SH   SOLE   2,666 0 0
SPDR State Street Global Advisors PORTFOLIO DEVLPD 78463X889   48,430 1,380,571 SH   SOLE   48,430 0 0
iShares MSCI KLD400 SOC 464288570   46,422 447,015 SH   SOLE   46,422 0 0
SPDR State Street Global Advisors PRTFLO S&P500 GW 78464A409   2,331 29,095 SH   SOLE   2,331 0 0
Van Eck FALLEN ANGEL HG 92189F437   2,644 93,431 SH   SOLE   2,644 0 0
SPDR State Street Global Advisors NUVEEN BLOOMBERG 78464A284   9,920 389,927 SH   SOLE   9,920 0 0
iShares MSCI USA ESG SLC 464288802   21,663 192,784 SH   SOLE   21,663 0 0
Van Eck SEMICONDUCTR ETF 92189F676   308 1,180 SH   SOLE   308 0 0
WisdomTree US SMALLCAP FUND 97717W562   378 8,015 SH   SOLE   378 0 0
SPDR State Street Global Advisors PORTFOLI S&P1500 78464A805   2,116 31,891 SH   SOLE   2,116 0 0
iShares MSCI LW CRB TG 46434V464   231,869 1,265,178 SH   SOLE   231,869 0 0
SPDR State Street Global Advisors PRTFLO S&P500 VL 78464A508   146,629 3,008,399 SH   SOLE   146,629 0 0
SPDR State Street Global Advisors PORTFOLIO EMG MK 78463X509   19,375 514,334 SH   SOLE   19,375 0 0
Vanguard INTL HIGH ETF 921946794   683 9,971 SH   SOLE   683 0 0
SPDR State Street Global Advisors SPDR MSCI USA GE 78468R747   3,968 36,476 SH   SOLE   3,968 0 0
Vanguard INTL DVD ETF 921946810   7,661 94,253 SH   SOLE   7,661 0 0
PIMCO INTER MUN BD ACT 72201R866   358 6,877 SH   SOLE   358 0 0
Fidelity Investments TOTAL BD ETF 316188309   1,790 39,833 SH   SOLE   1,790 0 0
iShares JP MRGN EM HI BD 464286285   6,989 188,646 SH   SOLE   6,989 0 0
Vanguard SMLCP 600 VAL 921932778   361 4,309 SH   SOLE   361 0 0
SPDR State Street Global Advisors PORTFOLIO S&P600 78468R853   608,246 14,645,935 SH   SOLE   608,246 0 0
iShares MRGSTR MD CP GRW 464288307   1,088 16,062 SH   SOLE   1,088 0 0
First Trust NASDAQ CYB ETF 33734X846   205 3,638 SH   SOLE   205 0 0
SPDR State Street Global Advisors PORTFOLIO S&P400 78464A847   834,061 16,258,493 SH   SOLE   834,061 0 0
iShares GNMA BOND ETF 46429B333   237 5,500 SH   SOLE   237 0 0
John Hancock MULTIFACTOR MI 47804J206   1,216 22,096 SH   SOLE   1,216 0 0
SPDR State Street Global Advisors PORTFOLIO SH TSR 78468R101   247 8,540 SH   SOLE   247 0 0
SPDR State Street Global Advisors PORTFOLIO S&P500 78464A854   2,733,836 42,716,183 SH   SOLE   2,733,836 0 0
WisdomTree US LARGECAP FUND 97717W588   1,492 26,231 SH   SOLE   1,492 0 0
SPDR State Street Global Advisors SPDR S&P 500 ETF 78468R796   87,438 1,960,498 SH   SOLE   87,438 0 0
WisdomTree YIELD ENHANCD US 97717X511   934 21,740 SH   SOLE   934 0 0
iShares CONV BD ETF 46435G102   201 2,551 SH   SOLE   201 0 0
iShares BLACKROCK ULTRA 46434V878   1,899 37,573 SH   SOLE   1,899 0 0
First Trust RISNG DIVD ACHIV 33738R506   1,025 18,721 SH   SOLE   1,025 0 0
SPDR State Street Global Advisors MSCI EAFE STRTGC 78463X434   1,345 17,996 SH   SOLE   1,345 0 0
iShares ESG AW MSCI EAFE 46435G516   264,491 3,357,341 SH   SOLE   264,491 0 0
SPDR State Street Global Advisors MULT ASS RLRTN 78467V103   294 10,655 SH   SOLE   294 0 0
Van Eck IG FLOATING RATE 92189F486   692 27,146 SH   SOLE   692 0 0
iShares CRE U S REIT ETF 464288521   520 9,711 SH   SOLE   520 0 0
Invesco S&P MDCP MOMNTUM 46137V464   550 4,824 SH   SOLE   550 0 0
First Trust Exchange-Traded Fund VIII TCW OPPORTUNIS 33740F805   3,243 75,337 SH   SOLE   3,243 0 0
EA Series Trust US QUAN VALUE 02072L102   476 11,110 SH   SOLE   476 0 0
Invesco VAR RATE INVT 46090A879   895 35,585 SH   SOLE   895 0 0
EA Series Trust INTL QUAN VALUE 02072L201   371 14,898 SH   SOLE   371 0 0
SPDR State Street Global Advisors PORTFLI HIGH YLD 78468R606   448 19,287 SH   SOLE   448 0 0
iShares ESG AWR MSCI EM 46434G863   105,529 3,147,310 SH   SOLE   105,529 0 0
Fidelity Investments HIGH DIVID ETF 316092840   318 6,806 SH   SOLE   318 0 0
Goldman Sachs ACTIVEBETA JAP 381430404   2,163 57,630 SH   SOLE   2,163 0 0
SPDR State Street Global Advisors MSCI EAFE FS ETF 78470E106   52,976 1,298,747 SH   SOLE   52,976 0 0
Goldman Sachs ACTIVEBETA EUR 381430305   9,422 260,347 SH   SOLE   9,422 0 0
iShares CORE MSCI INTL 46435G326   348 5,300 SH   SOLE   348 0 0
Invesco S&P SMLCP MOMENT 46137V498   765 12,733 SH   SOLE   765 0 0
Invesco TOTAL RETURN 46090A804   438 9,442 SH   SOLE   438 0 0
EA Series Trust INTL QUAN MOMNTM 02072L300   336 12,175 SH   SOLE   336 0 0
iShares MSCI INTL QUALTY 46434V456   1,545 39,568 SH   SOLE   1,545 0 0
iShares MSCI INTL MOMENT 46434V449   1,936 50,048 SH   SOLE   1,936 0 0
Ark ETF Trust NEXT GNRTN INTER 00214Q401   1,514 19,406 SH   SOLE   1,514 0 0
Fidelity Investments LOW VOLITY ETF 316092824   478 8,383 SH   SOLE   478 0 0
iShares TRS FLT RT BD 46434V860   15,311 302,225 SH   SOLE   15,311 0 0
Ark ETF Trust INNOVATION ETF 00214Q104   399 9,069 SH   SOLE   399 0 0
ProShares PRIV EQTY-LSTD 74348A533   233 8,153 SH   SOLE   233 0 0
Nuveen NUVEEN ESG SMLCP 67092P607   228 5,798 SH   SOLE   228 0 0
iShares FALN ANGLS USD 46435G474   12,669 483,724 SH   SOLE   12,669 0 0
Pacer US CASH COWS 100 69374H881   2,300 42,211 SH   SOLE   2,300 0 0
iShares ESG AWR MSCI USA 46435G425   385,183 3,228,147 SH   SOLE   385,183 0 0
SPDR State Street Global Advisors MSCI EMR MKT ETF 78470E205   26,116 806,292 SH   SOLE   26,116 0 0
Invesco S&P INTL MOMNT 46138E222   592 14,328 SH   SOLE   592 0 0
WisdomTree EM EX ST-OWNED 97717X578   5,210 170,106 SH   SOLE   5,210 0 0
Invesco S&P 500 MOMNTM 46138E339   1,068 12,212 SH   SOLE   1,068 0 0
Goldman Sachs ACTIVEBETA US 381430602   54,259 856,494 SH   SOLE   54,259 0 0
Goldman Sachs ACCESS INVT GR 381430479   30,029 663,632 SH   SOLE   30,029 0 0
Goldman Sachs ACCESS HIG YLD 381430453   17,250 391,965 SH   SOLE   17,250 0 0
XTRACKERS XTRACK USD HIGH 233051432   8,492 239,494 SH   SOLE   8,492 0 0
NVIDIA CORPORATION COM 67066G104   437 3,541 SH   SOLE   437 0 0
INTEL CORP COM 458140100   200 6,473 SH   SOLE   200 0 0
COMCAST CORP NEW CL A 20030N101   568 14,507 SH   SOLE   568 0 0
ABBVIE INC COM 00287Y109   366 2,136 SH   SOLE   366 0 0
HOME DEPOT INC COM 437076102   582 1,692 SH   SOLE   582 0 0
WALMART INC COM 931142103   318 4,695 SH   SOLE   318 0 0
PROCTER AND GAMBLE CO COM 742718109   569 3,450 SH   SOLE   569 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   252 558 SH   SOLE   252 0 0
MCDONALDS CORP COM 580135101   510 2,003 SH   SOLE   510 0 0
MASTERCARD INCORPORATED CL A 57636Q104   248 563 SH   SOLE   248 0 0
TEXAS INSTRS INC COM 882508104   755 3,879 SH   SOLE   755 0 0
LOCKHEED MARTIN CORP COM 539830109   667 1,429 SH   SOLE   667 0 0
TJX COS INC NEW COM 872540109   229 2,084 SH   SOLE   229 0 0
INTUIT COM 461202103   462 703 SH   SOLE   462 0 0
ABBOTT LABS COM 002824100   341 3,278 SH   SOLE   341 0 0
AUTOZONE INC COM 053332102   448 151 SH   SOLE   448 0 0
ROSS STORES INC COM 778296103   276 1,898 SH   SOLE   276 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   222 210 SH   SOLE   222 0 0
ISHARES BROAD USD HIGH 46435U853   5,332 146,959 SH   SOLE   5,332 0 0
GraniteShares BBG COMMD K 1 38747R108   9,497 466,433 SH   SOLE   9,497 0 0
SPDR State Street Global Advisors SPDR GLD MINIS 98149E303   542 11,765 SH   SOLE   542 0 0
JP Morgan ULTRA SHRT INC 46641Q837   261,452 5,180,348 SH   SOLE   261,452 0 0
Goldman Sachs ACCESS INFLATI 381430362   6,291 129,662 SH   SOLE   6,291 0 0
Vanguard Total World Bond ETF TOTAL WLD BD ETF 92206C565   4,132 60,765 SH   SOLE   4,132 0 0
iShares ESG AWR US AGRGT 46435U549   39,588 849,354 SH   SOLE   39,588 0 0
AVANTIS INTL INTL SMCP VLU 025072802   6,543 100,740 SH   SOLE   6,543 0 0
Avantis US SML CP VALU 025072877   13,204 147,172 SH   SOLE   13,204 0 0
Goldman Sachs ACCESS US AGRAT 38149W101   26,312 645,058 SH   SOLE   26,312 0 0
Impact Shares NAACP MINO ETF 45259A209   3,944 99,872 SH   SOLE   3,944 0 0
iShares USD GRN BOND ETF 46435U440   55,091 1,183,727 SH   SOLE   55,091 0 0
Dimensional Fund Advisors INTL CORE EQT MK 25434V203   26,865 905,454 SH   SOLE   26,865 0 0
Dimensional Fund Advisors EMGR CRE EQT MNG 25434V302   7,365 284,703 SH   SOLE   7,365 0 0
Dimensional Fund Advisors US CORE EQT MKT 25434V104   41,018 1,094,099 SH   SOLE   41,018 0 0
J P MORGAN EXCHANGE TRADED US QUALTY FCTR 46641Q761   273 5,150 SH   SOLE   273 0 0
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   227 3,002 SH   SOLE   227 0 0
Cambria Funds GBL REAL EST ETF 132061813   831 34,867 SH   SOLE   831 0 0
ISHARES ESG AWRE USD ETF 46435G193   23,560 1,036,957 SH   SOLE   23,560 0 0
iShares ESG ADV TTL USD 46436E619   1,474 34,649 SH   SOLE   1,474 0 0
iShares ESG AWRE 1 5 YR 46435G243   247 10,086 SH   SOLE   247 0 0
iShares ESG EAFE ETF 46436E759   715 10,604 SH   SOLE   715 0 0
Vanguard ESG INTL STK ETF 921910725   1,631 28,477 SH   SOLE   1,631 0 0
iShares ESG MSCI USA ETF 46436E767   319 6,856 SH   SOLE   319 0 0
BlackRock Fund Advisors ESG AWARE MSCI 46435U663   52,953 1,375,401 SH   SOLE   52,953 0 0
VANGUARD ESG US STK ETF 921910733   36,207 374,736 SH   SOLE   36,207 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   3,202 16,245 SH   SOLE   3,202 0 0
State Street Global Advisors Inc S&P KENSHO NEW 78468R648   72,933 1,583,093 SH   SOLE   72,933 0 0
PACER FDS TR PACER US SMALL 69374H857   565 12,981 SH   SOLE   565 0 0
Dimensional US SMALL CAP ETF 25434V500   575 9,569 SH   SOLE   575 0 0
Dimensional US TARGETED VLU 25434V609   12,228 235,744 SH   SOLE   12,228 0 0
Dimensional US EQUITY ETF 25434V401   6,867 116,689 SH   SOLE   6,867 0 0
Dimensional US CORE EQUITY 2 25434V708   67,785 2,102,513 SH   SOLE   67,785 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS I 46641Q373   281 4,758 SH   SOLE   281 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107   3,176 63,898 SH   SOLE   3,176 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885   3,539 39,234 SH   SOLE   3,539 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   295 5,203 SH   SOLE   295 0 0
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   544 19,528 SH   SOLE   544 0 0
VICTORY PORTFOLIOS II CORE INTERMEDIAT 92647N527   411 8,937 SH   SOLE   411 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   356 5,723 SH   SOLE   356 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   3,646 36,201 SH   SOLE   3,646 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   387 6,333 SH   SOLE   387 0 0
ISHARES INC MSCI EMRG CHN 46434G764   679 11,463 SH   SOLE   679 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399   974 9,927 SH   SOLE   974 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   14,267 288,102 SH   SOLE   14,267 0 0
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   505 4,867 SH   SOLE   505 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417   780 22,201 SH   SOLE   780 0 0
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   1,107 23,902 SH   SOLE   1,107 0 0
ISHARES TR INVESTMENT GRADE 46435G219   12,304 277,375 SH   SOLE   12,304 0 0
Innovator Capital Management LLC US EQTY PWR BUF 45782C797   408 10,660 SH   SOLE   408 0 0
ISHARES TR HIGH YLD SYSTM B 46435G250   4,634 99,776 SH   SOLE   4,634 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   759 14,919 SH   SOLE   759 0 0
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680   318 8,709 SH   SOLE   318 0 0
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   1,616 34,423 SH   SOLE   1,616 0 0
Innovator Capital Management LLC US EQTY BUF OCT 45782C771   271 6,510 SH   SOLE   271 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813   371 9,543 SH   SOLE   371 0 0
Innovator Capital Management LLC US EQTY ULTRA B 45782C821   843 24,594 SH   SOLE   843 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748   324 9,100 SH   SOLE   324 0 0
Engine No. 1 TRANSFRM 500 ETF 29287L106   75,494 1,187,388 SH   SOLE   75,494 0 0
Dimensional Fund Advisors LP INTERNATNAL VAL 25434V807   4,327 120,391 SH   SOLE   4,327 0 0
Dimensional Fund Advisors LP WORLD EX US CORE 25434V880   6,094 239,742 SH   SOLE   6,094 0 0
Dimensional Fund Advisors LP CORE FIXED INCOM 25434V872   27,619 664,878 SH   SOLE   27,619 0 0
Dimensional Fund Advisors LP SHORT DURATION F 25434V864   9,004 191,583 SH   SOLE   9,004 0 0
Dimensional Fund Advisors LP NATL MUN BD ETF 25434V849   448 9,380 SH   SOLE   448 0 0
American Century Investment Management Inc AVANTIS CORE FI 025072562   418 10,253 SH   SOLE   418 0 0
Dimensional Fund Advisors LP US HIGH PROFITAB 25434V831   1,076 33,635 SH   SOLE   1,076 0 0
Dimensional Fund Advisors LP US REAL ESTATE E 25434V823   3,988 180,457 SH   SOLE   3,988 0 0
Dimensional Fund Advisors LP INTL SMALL CAP E 25434V773   2,081 84,504 SH   SOLE   2,081 0 0
Dimensional Fund Advisors LP INTL SMALL CAP V 25434V781   747 27,772 SH   SOLE   747 0 0
Dimensional Fund Advisors LP INTL HIGH PROFIT 25434V765   351 13,347 SH   SOLE   351 0 0
Dimensional Fund Advisors LP INTL CORE EQUITY 25434V799   28,526 1,085,052 SH   SOLE   28,526 0 0
Dimensional Fund Advisors LP US MKTWIDE VALUE 25434V724   216 5,507 SH   SOLE   216 0 0
Dimensional Fund Advisors LP EMERGING MKTS CO 25434V732   18,725 700,507 SH   SOLE   18,725 0 0
Dimensional Fund Advisors LP EMERGING MKTS VA 25434V740   2,314 84,156 SH   SOLE   2,314 0 0
Dimensional Fund Advisors LP EMERGING MKTS HI 25434V757   910 34,976 SH   SOLE   910 0 0
Goldman Sachs Asset Management LP ACCESS EMNG MKTS 381430388   13,283 329,437 SH   SOLE   13,283 0 0
Dimensional Fund Advisors LP US SMALL CAP VAL 25434V815   1,686 58,582 SH   SOLE   1,686 0 0
Capital Research and Management Co SHS CREATION UNI 14020G101   240 7,299 SH   SOLE   240 0 0
Innovator Capital Management LLC DEFINED WLT SHLD 45783Y855   591 19,683 SH   SOLE   591 0 0
Capital Research and Management Co SHS CREATION UNI 14020W106   1,064 32,244 SH   SOLE   1,064 0 0
Dimensional Fund Advisors LP US SUSTAINABILTY 25434V716   825 23,678 SH   SOLE   825 0 0
Dimensional Fund Advisors LP INTERNATIONAL 25434V690   409 12,411 SH   SOLE   409 0 0
Dimensional Fund Advisors LP GLOBAL SUSTAINA 25434V674   202 3,944 SH   SOLE   202 0 0
Dimensional Fund Advisors LP GLOBAL REAL EST 25434V658   1,597 63,890 SH   SOLE   1,597 0 0
F/m Investments LLC US TREAS 3 MNTH 74933W452   257 5,141 SH   SOLE   257 0 0
Dimensional Fund Advisors LP US LARGE CAP VAL 25434V666   7,100 245,605 SH   SOLE   7,100 0 0
Arch Capital Group Ltd ORD G0450A105   447 4,431 SH   SOLE   447 0 0
Summit Global Investments LLC SGI US LARGE CAP 74933W593   929 26,621 SH   SOLE   929 0 0
Summit Global Investments LLC SGI DIVERSI TAC 74933W577   334 11,127 SH   SOLE   334 0 0
American Century Investment Management Inc AVANTIS ALL EQT 025072232   416 5,998 SH   SOLE   416 0 0
Capital Research and Management Co US MULTI-SECTOR 14020Y300   1,201 44,619 SH   SOLE   1,201 0 0
BlackRock Fund Advisors FLEXIBLE INCOME 092528603   3,203 61,353 SH   SOLE   3,203 0 0
Clockwise Capital LLC CLOCKWISE CORE E 88636J329   235 8,666 SH   SOLE   235 0 0
Dimensional Fund Advisors LP WORLD EQUITY ETF 25434V617   481 8,084 SH   SOLE   481 0 0
Goldman Sachs Asset Management LP S&P 500 CORE PRE 38149W622   248 5,217 SH   SOLE   248 0 0
Goldman Sachs Asset Management LP NASDAQ 100 CORE 38149W630   335 6,980 SH   SOLE   335 0 0
Dimensional Fund Advisors LP US CORE EQUITY 1 25434V625   8,634 145,061 SH   SOLE   8,634 0 0
Dimensional Fund Advisors LP GLOBAL EX US COR 25434V575   2,967 56,479 SH   SOLE   2,967 0 0
Dimensional Fund Advisors LP GLOBAL CR ETF 25434V567   2,898 55,028 SH   SOLE   2,898 0 0
Dimensional Fund Advisors LP GLOBAL CORE PLUS 25434V583   388 7,330 SH   SOLE   388 0 0
Bitwise Asset Management Inc SHS BEN INT 09174C104   2,368 72,453 SH   SOLE   2,368 0 0
Vaneck Digital Assets LLC SH BEN INT 92189K105   274 4,035 SH   SOLE   274 0 0
BlackRock Fund Advisors SHS 46438F101   887 25,970 SH   SOLE   887 0 0
JP Morgan Investment Management Inc SUSTAINABLE MUNI 46654Q815   8,786 174,732 SH   SOLE   8,786 0 0
Summit Global Investments LLC SGI ENHANCED COR 74933W254   3,015 117,829 SH   SOLE   3,015 0 0
Summit Global Investments LLC SGI ENHANCED GLB 74933W262   542 20,775 SH   SOLE   542 0 0