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
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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
POWERSHARES QQQ TR ETF 46090E103   225,350 610 SH   SOLE 0 0 0 610
VANGUARD REIT INDEX ETF ETF 922908553   3,269,517 39,128 SH   SOLE 0 1,437 0 37,690
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158   1,336,740 12,848 SH   SOLE 0 1,036 0 11,811
SPDR S&P 500 ETF TRUST ETF 78462F103   258,006 582 SH   SOLE 0 0 0 582
ABRDN BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF ETF 003261104   388,739 19,283 SH   SOLE 0 0 0 19,282
ISHARES RUSSELL 2000 VALUE ETF 464287630   446,832 3,174 SH   SOLE 0 493 0 2,680
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,447,362 5,260 SH   SOLE 0 0 0 5,259
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   256,266 4,957 SH   SOLE 0 0 0 4,956
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   531,377 14,905 SH   SOLE 0 0 0 14,905
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   2,736,851 52,260 SH   SOLE 0 0 0 52,259
ISHARES US REAL ESTATE ETF ETF 464287739   1,685,085 19,472 SH   SOLE 0 645 0 18,826
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   3,052,264 40,724 SH   SOLE 0 0 0 40,724
ISHARES S&P SMALLCAP 600 ETF ETF 464287804   993,882 9,974 SH   SOLE 0 0 0 9,973
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   344,542 13,989 SH   SOLE 0 0 0 13,988
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   2,131,268 31,767 SH   SOLE 0 0 0 31,767
VANGUARD S&P 500 ETF ETF 922908363   684,860 1,682 SH   SOLE 0 0 0 1,681
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   548,980 1,146 SH   SOLE 0 0 0 1,146
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   1,223,927 17,082 SH   SOLE 0 0 0 17,082
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839   650,485 9,457 SH   SOLE 0 0 0 9,457
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473   1,261,878 11,488 SH   SOLE 0 1,140 0 10,348
ISHARES RUSSELL 2000 ETF ETF 464287655   821,570 4,387 SH   SOLE 0 0 0 4,387
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284   254,246 10,166 SH   SOLE 0 0 0 10,165
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834   846,610 13,520 SH   SOLE 0 5,929 0 7,589
ISHARES CORE MSCI EAFE ETF 46432F842   18,251,307 270,390 SH   SOLE 0 7,555 0 262,834
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103   8,231,709 167,006 SH   SOLE 0 1,278 0 165,726
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499   386,939 5,298 SH   SOLE 0 0 0 5,298
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   2,297,521 19,991 SH   SOLE 0 633 0 19,356
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881   464,254 9,950 SH   SOLE 0 0 0 9,949
ISHARES S&P 500 VALUE ETF ETF 464287408   9,701,764 60,188 SH   SOLE 0 3,848 0 56,339
ISHARES S&P 500 GROWTH ETF ETF 464287309   7,916,720 112,326 SH   SOLE 0 1,082 0 111,243
ISHARES S&P 500 INDEX ETF 464287200   13,130,982 29,461 SH   SOLE 0 773 0 28,686
VANGUARD MID-CAP VALUE ETF ETF 922908512   362,764 2,622 SH   SOLE 0 0 0 2,621
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   747,519 21,743 SH   SOLE 0 616 0 21,125
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   5,497,239 119,039 SH   SOLE 0 3,306 0 115,733
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879   3,441,112 36,188 SH   SOLE 0 705 0 35,482
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   8,240,926 109,879 SH   SOLE 0 3,054 0 106,824
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705   4,927,088 45,992 SH   SOLE 0 520 0 45,470
ISHARES CORE S&P MID CAP ETF ETF 464287507   2,370,989 9,068 SH   SOLE 0 811 0 8,255
ISHARES RUSSELL 1000 ETF ETF 464287622   1,697,515 6,964 SH   SOLE 0 0 0 6,964
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,048,148 25,649 SH   SOLE 0 0 0 25,648