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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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
ISHARES TR 20 YR TR BD ETF 464287432 12,016 117,288 SH   SOLE   0 0 117,288
ISHARES TR ISHS 5-10YR INVT 464288638 25,464 527,433 SH   SOLE   0 0 527,433
ISHARES INC CORE MSCI EMKT 46434G103 6,714 156,222 SH   SOLE   0 0 156,222
ISHARES TR CORE S&P MCP ETF 464287507 3,254 14,841 SH   SOLE   0 0 14,841
ISHARES TR CORE S&P SCP ETF 464287804 3,335 38,246 SH   SOLE   0 0 38,246
ISHARES TR GNMA BOND ETF 46429B333 1,182 27,485 SH   SOLE   0 0 27,485
ISHARES TR JPMORGAN USD EMG 464288281 8,158 102,751 SH   SOLE   0 0 102,751
ISHARES TR MSCI USA MIN VOL 46429B697 7,482 113,193 SH   SOLE   0 0 113,193
ISHARES TR MSCI USA MMENTM 46432F396 4,744 36,168 SH   SOLE   0 0 36,168
ISHARES TR RUSSELL 2000 ETF 464287655 341 2,065 SH   SOLE   0 0 2,065
ISHARES TR RUS MID CAP ETF 464287499 279 4,490 SH   SOLE   0 0 4,490
ISHARES TR S&P 500 GRWT ETF 464287309 14,323 247,583 SH   SOLE   0 0 247,583
ISHARES TR S&P 500 VAL ETF 464287408 19,341 150,494 SH   SOLE   0 0 150,494
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 7,599 154,268 SH   SOLE   0 0 154,268
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,693 129,078 SH   SOLE   0 0 129,078
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 13,553 300,569 SH   SOLE   0 0 300,569
VANGUARD INDEX FDS VALUE ETF 922908744 6,321 51,194 SH   SOLE   0 0 51,194
ISHARES TR CORE MSCI EAFE 46432F842 17,846 338,824 SH   SOLE   0 0 338,824
ISHARES TR CORE TOTAL USD 46434V613 2,270 51,006 SH   SOLE   0 0 51,006
ISHARES INC ESG AWR MSCI EM 46434G863 303 10,966 SH   SOLE   0 0 10,966
ISHARES TR EAFE GRWTH ETF 464288885 558 7,692 SH   SOLE   0 0 7,692
ISHARES TR EAFE VALUE ETF 464288877 706 18,318 SH   SOLE   0 0 18,318
ISHARES INC MSCI EMERG MRKT 464286533 291 5,735 SH   SOLE   0 0 5,735
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,759 60,897 SH   SOLE   0 0 60,897
SPDR SER TR PORTFOLIO LN TSR 78464A664 1,364 46,032 SH   SOLE   0 0 46,032
VANGUARD INDEX FDS SMALL CP ETF 922908751 763 4,466 SH   SOLE   0 0 4,466
VANGUARD INDEX FDS GROWTH ETF 922908736 6,861 32,070 SH   SOLE   0 0 32,070
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 600 4,929 SH   SOLE   0 0 4,929
ISHARES TR ISHS 1-5YR INVS 464288646 2,014 40,874 SH   SOLE   0 0 40,874
ISHARES TR US HLTHCARE ETF 464287762 268 1,061 SH   SOLE   0 0 1,061
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 299 6,207 SH   SOLE   0 0 6,207
AMAZON COM INC COM 023135106 292 2,585 SH   SOLE   0 0 2,585
SPDR S&P 500 ETF TR TR UNIT 78462F103 350 981 SH   SOLE   0 0 981
VANGUARD WORLD FDS INF TECH ETF 92204A702 219 714 SH   SOLE   0 0 714
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,659 45,460 SH   SOLE   0 0 45,460
ISHARES TR CORE MSCI PAC 46434V696 249 5,191 SH   SOLE   0 0 5,191
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 404 18,042 SH   SOLE   0 0 18,042
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 694 4,070 SH   SOLE   0 0 4,070
VANGUARD INDEX FDS SML CP GRW ETF 922908595 602 3,087 SH   SOLE   0 0 3,087
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 422 8,380 SH   SOLE   0 0 8,380
VANGUARD INDEX FDS MID CAP ETF 922908629 946 5,035 SH   SOLE   0 0 5,035
ISHARES TR 0-5YR HI YL CP 46434V407 316 7,924 SH   SOLE   0 0 7,924
ISHARES TR CORE DIV GRWTH 46434V621 688 15,482 SH   SOLE   0 0 15,482
ISHARES TR FLTG RATE NT ETF 46429B655 614 12,215 SH   SOLE   0 0 12,215
ISHARES TR IBOXX HI YD ETF 464288513 2,211 30,965 SH   SOLE   0 0 30,965
ISHARES TR IBOXX INV CP ETF 464287242 1,776 17,340 SH   SOLE   0 0 17,340
ISHARES TR INTL DIV GRWTH 46435G524 945 18,662 SH   SOLE   0 0 18,662
ISHARES TR PFD AND INCM SEC 464288687 284 8,965 SH   SOLE   0 0 8,965
SPDR SER TR BLOOMBERG 3-12 M 78468R523 526 5,283 SH   SOLE   0 0 5,283
SPDR SER TR PORTFOLIO LN COR 78464A367 1,234 56,757 SH   SOLE   0 0 56,757
SPDR SER TR PRTFLO S&P500 HI 78468R788 907 25,584 SH   SOLE   0 0 25,584
VANGUARD INDEX FDS SM CP VAL ETF 922908611 523 3,644 SH   SOLE   0 0 3,644
SPDR SER TR SSGA US LRG ETF 78468R804 610 4,946 SH   SOLE   0 0 4,946
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 659 14,290 SH   SOLE   0 0 14,290
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 704 12,249 SH   SOLE   0 0 12,249
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,199 19,051 SH   SOLE   0 0 19,051
APPLE INC COM 037833100 215 1,554 SH   SOLE   0 0 1,554
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 854 50,412 SH   SOLE   0 0 50,412
ISHARES TR MSCI EMG MKT ETF 464287234 222 6,356 SH   SOLE   0 0 6,356
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 506 9,065 SH   SOLE   0 0 9,065
EXXON MOBIL CORP COM 30231G102 237 2,717 SH   SOLE   0 0 2,717
TESLA INC COM 88160R101 208 786 SH   SOLE   0 0 786
VANGUARD INDEX FDS TOTAL STK MKT 922908769 252 1,404 SH   SOLE   0 0 1,404
ISHARES TR CORE MSCI EURO 46434V738 315 7,960 SH   SOLE   0 0 7,960
SWEDISH EXPT CR CORP ROG TTL ETN 22 870297801 132 16,868 SH   SOLE   0 0 16,868
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,168 22,542 SH   SOLE   0 0 22,542
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 212 5,000 SH   SOLE   0 0 5,000
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 326 4,351 SH   SOLE   0 0 4,351
VANGUARD BD INDEX FDS INTERMED TERM 921937819 214 2,915 SH   SOLE   0 0 2,915