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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN ETFS BBRG ALL COMD K1 003261104 260 9,566 SH   SOLE   0 0 9,566
APPLE INC COM 037833100 366 2,047 SH   SOLE   0 0 2,047
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 424 9,769 SH   SOLE   0 0 9,769
DBX ETF TR XTRCKR MSCI US 233051150 899 25,740 SH   SOLE   0 0 25,740
DBX ETF TR XTRACK USD HIGH 233051432 324 9,602 SH   SOLE   0 0 9,602
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 3,562 115,229 SH   SOLE   0 0 115,229
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 95,229 3,200,998 SH   SOLE   0 0 3,200,998
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 101,008 3,637,323 SH   SOLE   0 0 3,637,323
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 143,173 1,910,508 SH   SOLE   0 0 1,910,508
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 25,205 1,397,115 SH   SOLE   0 0 1,397,115
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 3,428 155,130 SH   SOLE   0 0 155,130
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 3,036 167,097 SH   SOLE   0 0 167,097
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,772 11,953 SH   SOLE   0 0 11,953
ISHARES INC MSCI EMERG MRKT 464286533 2,524 44,608 SH   SOLE   0 0 44,608
ISHARES INC CORE MSCI EMKT 46434G103 70,795 1,417,117 SH   SOLE   0 0 1,417,117
ISHARES INC ESG AWR MSCI EM 46434G863 1,316 41,108 SH   SOLE   0 0 41,108
ISHARES TR SHRT NAT MUN ETF 464288158 365 3,435 SH   SOLE   0 0 3,435
ISHARES TR ESG AWARE MSCI 46435U663 1,730 44,716 SH   SOLE   0 0 44,716
ISHARES TR 10-20 YR TRS ETF 464288653 1,371 10,841 SH   SOLE   0 0 10,841
ISHARES TR CRE U S REIT ETF 464288521 2,807 44,757 SH   SOLE   0 0 44,757
ISHARES TR U.S. ENERGY ETF 464287796 1,156 19,899 SH   SOLE   0 0 19,899
ISHARES TR EAFE GRWTH ETF 464288885 5,171 31,919 SH   SOLE   0 0 31,919
ISHARES TR ESG AWR MSCI USA 46435G425 15,303 136,110 SH   SOLE   0 0 136,110
ISHARES TR MBS ETF 464288588 1,936 18,254 SH   SOLE   0 0 18,254
ISHARES TR RUSSELL 2000 ETF 464287655 775 4,579 SH   SOLE   0 0 4,579
ISHARES TR BROAD USD HIGH 46435U853 57,290 1,654,805 SH   SOLE   0 0 1,654,805
ISHARES TR CORE TOTAL USD 46434V613 127,167 2,744,869 SH   SOLE   0 0 2,744,869
ISHARES TR IBOXX HI YD ETF 464288513 908 12,275 SH   SOLE   0 0 12,275
ISHARES TR NATIONAL MUN ETF 464288414 1,653 16,784 SH   SOLE   0 0 16,784
ISHARES TR RUS 1000 ETF 464287622 3,739 15,122 SH   SOLE   0 0 15,122
ISHARES TR 1 3 YR TREAS BD 464287457 4,997 59,379 SH   SOLE   0 0 59,379
ISHARES TR CORE US AGGBD ET 464287226 224,966 2,203,524 SH   SOLE   0 0 2,203,524
ISHARES TR EAFE VALUE ETF 464288877 5,729 114,316 SH   SOLE   0 0 114,316
ISHARES TR ESG AW MSCI EAFE 46435G516 1,212 10,175 SH   SOLE   0 0 10,175
ISHARES TR ESG MSCI USA ETF 46436E767 3,112 84,885 SH   SOLE   0 0 84,885
ISHARES TR ESG AWRE USD ETF 46435G193 323 23,143 SH   SOLE   0 0 23,143
ISHARES TR US INFRASTRUC 46435U713 726 19,934 SH   SOLE   0 0 19,934
ISHARES TR ESG AWR US AGRGT 46435U549 1,607 32,827 SH   SOLE   0 0 32,827
ISHARES TR SP SMCP600VL ETF 464287879 1,237 13,189 SH   SOLE   0 0 13,189
ISHARES TR US TREAS BD ETF 46429B267 7,139 307,615 SH   SOLE   0 0 307,615
ISHARES TR CORE HIGH DV ETF 46429B663 4,259 56,385 SH   SOLE   0 0 56,385
ISHARES TR U S EQUITY FACTR 46434V282 75,128 1,982,287 SH   SOLE   0 0 1,982,287
ISHARES TR ESG EAFE ETF 46436E759 1,396 24,053 SH   SOLE   0 0 24,053
ISHARES TR MSCI USA MIN VOL 46429B697 911 10,361 SH   SOLE   0 0 10,361
ISHARES TR JPMORGAN USD EMG 464288281 65,908 760,428 SH   SOLE   0 0 760,428
ISHARES TR CORE S&P MCP ETF 464287507 2,283 10,060 SH   SOLE   0 0 10,060
ISHARES TR CORE S&P SCP ETF 464287804 66,339 717,055 SH   SOLE   0 0 717,055
ISHARES TR CORE S&P TTL STK 464287150 320,905 3,832,791 SH   SOLE   0 0 3,832,791
ISHARES TR INTL EQTY FACTOR 46434V274 2,959 125,771 SH   SOLE   0 0 125,771
ISHARES TR MSCI KLD400 SOC 464288570 532 20,889 SH   SOLE   0 0 20,889
ISHARES TR ESG ADV TTL USD 46436E619 3,836 81,615 SH   SOLE   0 0 81,615
ISHARES TR ESG ADVNCD HY BD 46435G441 481 11,031 SH   SOLE   0 0 11,031
ISHARES TR FALN ANGLS USD 46435G474 3,897 84,170 SH   SOLE   0 0 84,170
ISHARES TR CONV BD ETF 46435G102 1,093 15,029 SH   SOLE   0 0 15,029
ISHARES TR TIPS BD ETF 464287176 8,323 63,201 SH   SOLE   0 0 63,201
ISHARES TR CORE MSCI EAFE 46432F842 59,268 963,929 SH   SOLE   0 0 963,929
ISHARES TR CORE S&P500 ETF 464287200 20,758 59,766 SH   SOLE   0 0 59,766
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,752 18,637 SH   SOLE   0 0 18,637
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 221 4,424 SH   SOLE   0 0 4,424
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 689 13,323 SH   SOLE   0 0 13,323
JOHN HANCOCK EXCHANGE TRADED MULTFCTR EMRNG 47804J834 238 8,884 SH   SOLE   0 0 8,884
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859 242 7,861 SH   SOLE   0 0 7,861
SCHWAB STRATEGIC TR US REIT ETF 808524847 891 39,217 SH   SOLE   0 0 39,217
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,697 267,339 SH   SOLE   0 0 267,339
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,938 219,056 SH   SOLE   0 0 219,056
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,775 125,620 SH   SOLE   0 0 125,620
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,095 16,954 SH   SOLE   0 0 16,954
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,703 39,566 SH   SOLE   0 0 39,566
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 12,400 234,888 SH   SOLE   0 0 234,888
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,701 37,179 SH   SOLE   0 0 37,179
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 21,642 643,913 SH   SOLE   0 0 643,913
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 21,693 554,284 SH   SOLE   0 0 554,284
SPDR SER TR PORTFOLIO SH TSR 78468R101 5,617 187,673 SH   SOLE   0 0 187,673
SPDR SER TR PORTFLI TIPS ETF 78464A656 3,351 116,374 SH   SOLE   0 0 116,374
SPDR SER TR PORTFOLIO AGRGTE 78464A649 17,647 628,690 SH   SOLE   0 0 628,690
SPDR SER TR PORTFOLI S&P1500 78464A805 36,251 676,456 SH   SOLE   0 0 676,456
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,054 65,124 SH   SOLE   0 0 65,124
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 10,865 136,823 SH   SOLE   0 0 136,823
VANGUARD BD INDEX FDS INTERMED TERM 921937819 8,104 98,709 SH   SOLE   0 0 98,709
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 6,491 68,099 SH   SOLE   0 0 68,099
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 12,672 234,221 SH   SOLE   0 0 234,221
VANGUARD INDEX FDS MID CAP ETF 922908629 717 3,641 SH   SOLE   0 0 3,641
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 24,777 58,814 SH   SOLE   0 0 58,814
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,008 10,993 SH   SOLE   0 0 10,993
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 80,644 605,910 SH   SOLE   0 0 605,910
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 310 2,984 SH   SOLE   0 0 2,984
VANGUARD INDEX FDS VALUE ETF 922908744 1,394 9,510 SH   SOLE   0 0 9,510
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,179 18,445 SH   SOLE   0 0 18,445
VANGUARD INDEX FDS GROWTH ETF 922908736 2,008 6,803 SH   SOLE   0 0 6,803
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,163 49,912 SH   SOLE   0 0 49,912
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,663 283,520 SH   SOLE   0 0 283,520
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,869 112,556 SH   SOLE   0 0 112,556
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 6,178 116,800 SH   SOLE   0 0 116,800
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 22,413 476,826 SH   SOLE   0 0 476,826
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,167 19,043 SH   SOLE   0 0 19,043