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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES INC CORE MSCI EMKT 46434G103   1,970,693 42,199 SH   SOLE   0 0 42,199
ISHARES TR CORE S&P SCP ETF 464287804   2,918,698 30,840 SH   SOLE   0 0 30,840
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   1,395,067 49,488 SH   SOLE   0 0 49,488
ISHARES TR EAFE GRWTH ETF 464288885   5,201,915 62,105 SH   SOLE   0 0 62,105
ISHARES TR EAFE VALUE ETF 464288877   8,146,813 177,568 SH   SOLE   0 0 177,568
ISHARES TR MSCI USA MIN VOL 46429B697   5,000,442 69,354 SH   SOLE   0 0 69,354
ISHARES TR MSCI USA VALUE 46432F388   2,037,252 22,353 SH   SOLE   0 0 22,353
ISHARES TR NATIONAL MUN ETF 464288414   2,851,678 27,025 SH   SOLE   0 0 27,025
ISHARES TR S&P 500 GRWT ETF 464287309   21,565,845 368,647 SH   SOLE   0 0 368,647
ISHARES TR S&P 500 VAL ETF 464287408   24,049,095 165,776 SH   SOLE   0 0 165,776
ISHARES TR US HLTHCARE ETF 464287762   2,704,624 9,533 SH   SOLE   0 0 9,533
SPDR SER TR PORTFOLIO LN TSR 78464A664   7,556,219 260,290 SH   SOLE   0 0 260,290
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,702,741 9,277 SH   SOLE   0 0 9,277
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,985,143 40,112 SH   SOLE   0 0 40,112
VANGUARD INDEX FDS VALUE ETF 922908744   6,655,784 47,416 SH   SOLE   0 0 47,416
ISHARES TR CORE TOTAL USD 46434V613   16,906,309 376,281 SH   SOLE   0 0 376,281
ISHARES INC ESG AWR MSCI EM 46434G863   2,713,487 90,239 SH   SOLE   0 0 90,239
ISHARES INC MSCI EMERG MRKT 464286533   3,497,321 65,925 SH   SOLE   0 0 65,925
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   19,981,233 437,705 SH   SOLE   0 0 437,705
VANGUARD INDEX FDS GROWTH ETF 922908736   6,267,139 29,408 SH   SOLE   0 0 29,408
ISHARES TR CONV BD ETF 46435G102   1,358,069 19,549 SH   SOLE   0 0 19,549
ISHARES TR FALN ANGLS USD 46435G474   907,888 36,891 SH   SOLE   0 0 36,891
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   352,030 2,603 SH   SOLE   0 0 2,603
ISHARES TR 20 YR TR BD ETF 464287432   1,633,879 16,411 SH   SOLE   0 0 16,411
ISHARES TR ISHS 5-10YR INVT 464288638   6,092,899 123,064 SH   SOLE   0 0 123,064
ISHARES TR CORE MSCI EAFE 46432F842   5,952,452 96,568 SH   SOLE   0 0 96,568
ISHARES TR MSCI USA MMENTM 46432F396   2,019,817 13,841 SH   SOLE   0 0 13,841
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   1,430,456 29,033 SH   SOLE   0 0 29,033
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,203,789 70,382 SH   SOLE   0 0 70,382
ISHARES TR 0-5YR HI YL CP 46434V407   537,049 13,134 SH   SOLE   0 0 13,134
ISHARES TR CORE DIV GRWTH 46434V621   1,203,650 24,073 SH   SOLE   0 0 24,073
ISHARES TR FLTG RATE NT ETF 46429B655   2,202,592 43,763 SH   SOLE   0 0 43,763
ISHARES TR IBOXX HI YD ETF 464288513   3,478,134 47,238 SH   SOLE   0 0 47,238
ISHARES TR IBOXX INV CP ETF 464287242   2,847,559 27,009 SH   SOLE   0 0 27,009
ISHARES TR INTL DIV GRWTH 46435G524   1,467,663 25,467 SH   SOLE   0 0 25,467
ISHARES TR PFD AND INCM SEC 464288687   437,006 14,314 SH   SOLE   0 0 14,314
SPDR SER TR BLOOMBERG 3-12 M 78468R523   825,298 8,312 SH   SOLE   0 0 8,312
SPDR SER TR PORTFOLIO LN COR 78464A367   1,986,690 88,494 SH   SOLE   0 0 88,494
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,551,892 39,209 SH   SOLE   0 0 39,209
ISHARES TR ISHS 1-5YR INVS 464288646   10,457,318 209,902 SH   SOLE   0 0 209,902
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,744,665 37,351 SH   SOLE   0 0 37,351
ISHARES TR CORE S&P MCP ETF 464287507   1,379,499 5,703 SH   SOLE   0 0 5,703
SPDR S&P 500 ETF TR TR UNIT 78462F103   370,575 969 SH   SOLE   0 0 969
VANGUARD WORLD FDS INF TECH ETF 92204A702   303,440 950 SH   SOLE   0 0 950
ISHARES TR JPMORGAN USD EMG 464288281   2,043,694 24,160 SH   SOLE   0 0 24,160
ISHARES TR RUSSELL 2000 ETF 464287655   265,376 1,522 SH   SOLE   0 0 1,522
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,586,253 85,448 SH   SOLE   0 0 85,448
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,058,580 27,157 SH   SOLE   0 0 27,157
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   347,296 1,932 SH   SOLE   0 0 1,932
VANGUARD INDEX FDS SML CP GRW ETF 922908595   498,743 2,487 SH   SOLE   0 0 2,487
VANGUARD INDEX FDS MID CAP ETF 922908629   426,371 2,092 SH   SOLE   0 0 2,092
SPDR SER TR SSGA US LRG ETF 78468R804   497,355 3,667 SH   SOLE   0 0 3,667
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   608,288 10,972 SH   SOLE   0 0 10,972
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   403,024 6,263 SH   SOLE   0 0 6,263
VANGUARD INDEX FDS SM CP VAL ETF 922908611   423,043 2,664 SH   SOLE   0 0 2,664
ISHARES TR 7-10 YR TRSY BD 464287440   299,408 3,126 SH   SOLE   0 0 3,126
ISHARES TR MBS ETF 464288588   221,209 2,385 SH   SOLE   0 0 2,385
ISHARES TR SHORT TREAS BD 464288679   351,524 3,198 SH   SOLE   0 0 3,198
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   1,107,989 17,981 SH   SOLE   0 0 17,981
ISHARES TR SHRT NAT MUN ETF 464288158   1,260,520 12,089 SH   SOLE   0 0 12,089
ISHARES TR CORE US AGGBD ET 464287226   1,110,632 11,451 SH   SOLE   0 0 11,451
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   496,151 8,930 SH   SOLE   0 0 8,930
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   259,781 3,455 SH   SOLE   0 0 3,455
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   989,380 13,772 SH   SOLE   0 0 13,772
EXXON MOBIL CORP COM 30231G102   276,302 2,505 SH   SOLE   0 0 2,505
VANGUARD INDEX FDS TOTAL STK MKT 922908769   211,074 1,104 SH   SOLE   0 0 1,104
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   480,696 25,747 SH   SOLE   0 0 25,747
ISHARES TR 0-5 YR TIPS ETF 46429B747   213,894 2,206 SH   SOLE   0 0 2,206
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   225,750 5,000 SH   SOLE   0 0 5,000
ISHARES TR ESG AWRE USD ETF 46435G193   241,883 10,848 SH   SOLE   0 0 10,848