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   667,732 13,547 SH   SOLE   0 0 13,547
ISHARES TR CORE S&P SCP ETF 464287804   519,874 5,217 SH   SOLE   0 0 5,217
ISHARES TR EAFE GRWTH ETF 464288885   12,025,163 126,037 SH   SOLE   0 0 126,037
ISHARES TR EAFE VALUE ETF 464288877   12,340,046 252,146 SH   SOLE   0 0 252,146
ISHARES TR MSCI USA MIN VOL 46429B697   6,502,324 87,479 SH   SOLE   0 0 87,479
ISHARES TR NATIONAL MUN ETF 464288414   5,676,008 53,181 SH   SOLE   0 0 53,181
ISHARES TR S&P 500 GRWT ETF 464287309   30,162,707 427,961 SH   SOLE   0 0 427,961
ISHARES TR S&P 500 VAL ETF 464287408   28,569,211 177,239 SH   SOLE   0 0 177,239
ISHARES TR US HLTHCARE ETF 464287762   3,876,630 13,833 SH   SOLE   0 0 13,833
ISHARES TR U.S. TECH ETF 464287721   3,884,432 35,680 SH   SOLE   0 0 35,680
SPDR SER TR PORTFOLIO LN TSR 78464A664   5,818,211 194,589 SH   SOLE   0 0 194,589
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,967,461 98,914 SH   SOLE   0 0 98,914
VANGUARD INDEX FDS VALUE ETF 922908744   6,590,598 46,380 SH   SOLE   0 0 46,380
ISHARES TR CORE TOTAL USD 46434V613   17,337,807 381,302 SH   SOLE   0 0 381,302
ISHARES INC ESG AWR MSCI EM 46434G863   6,597,186 208,574 SH   SOLE   0 0 208,574
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   22,887,559 495,831 SH   SOLE   0 0 495,831
SPDR SER TR PORT MTG BK ETF 78464A383   13,260,261 605,215 SH   SOLE   0 0 605,215
ISHARES TR A RATE CP BD ETF 46429B291   1,838,416 38,966 SH   SOLE   0 0 38,966
ISHARES TR CORE DIV GRWTH 46434V621   1,654,061 32,099 SH   SOLE   0 0 32,099
ISHARES TR IBOXX HI YD ETF 464288513   3,216,599 42,848 SH   SOLE   0 0 42,848
ISHARES TR IBOXX INV CP ETF 464287242   3,500,600 32,371 SH   SOLE   0 0 32,371
ISHARES TR INTL DIV GRWTH 46435G524   1,502,745 24,230 SH   SOLE   0 0 24,230
ISHARES TR MBS ETF 464288588   1,503,245 16,118 SH   SOLE   0 0 16,118
SPDR SER TR PORTFOLIO CRPORT 78464A144   2,436,184 84,370 SH   SOLE   0 0 84,370
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   654,876 6,174 SH   SOLE   0 0 6,174
ISHARES TR FALN ANGLS USD 46435G474   1,075,282 42,384 SH   SOLE   0 0 42,384
VANGUARD INDEX FDS GROWTH ETF 922908736   8,429,095 29,789 SH   SOLE   0 0 29,789
VANGUARD INDEX FDS SMALL CP ETF 922908751   449,690 2,261 SH   SOLE   0 0 2,261
ISHARES TR ISHS 1-5YR INVS 464288646   12,563,471 250,418 SH   SOLE   0 0 250,418
ISHARES TR CORE S&P MCP ETF 464287507   360,319 1,378 SH   SOLE   0 0 1,378
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,456,751 35,810 SH   SOLE   0 0 35,810
AMAZON COM INC COM 023135106   394,730 3,028 SH   SOLE   0 0 3,028
SPDR S&P 500 ETF TR TR UNIT 78462F103   375,015 846 SH   SOLE   0 0 846
VANGUARD WORLD FDS INF TECH ETF 92204A702   313,049 708 SH   SOLE   0 0 708
ISHARES TR CORE MSCI EAFE 46432F842   1,267,583 18,779 SH   SOLE   0 0 18,779
ISHARES TR MSCI USA MMENTM 46432F396   882,233 6,116 SH   SOLE   0 0 6,116
ISHARES TR RUSSELL 2000 ETF 464287655   272,291 1,454 SH   SOLE   0 0 1,454
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,286,279 49,508 SH   SOLE   0 0 49,508
SPDR SER TR SSGA US LRG ETF 78468R804   415,223 2,953 SH   SOLE   0 0 2,953
VANGUARD INDEX FDS SM CP VAL ETF 922908611   211,712 1,280 SH   SOLE   0 0 1,280
ISHARES TR 7-10 YR TRSY BD 464287440   244,881 2,535 SH   SOLE   0 0 2,535
ISHARES TR FLTG RATE NT ETF 46429B655   429,327 8,448 SH   SOLE   0 0 8,448
ISHARES TR SHORT TREAS BD 464288679   357,527 3,237 SH   SOLE   0 0 3,237
ISHARES TR ISHS 5-10YR INVT 464288638   714,402 14,127 SH   SOLE   0 0 14,127
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   347,362 7,553 SH   SOLE   0 0 7,553
ISHARES TR SHRT NAT MUN ETF 464288158   2,237,588 21,507 SH   SOLE   0 0 21,507
APPLE INC COM 037833100   214,919 1,108 SH   SOLE   0 0 1,108
SPDR SER TR PRTFLO S&P500 HI 78468R788   407,843 10,999 SH   SOLE   0 0 10,999
ISHARES TR CORE US AGGBD ET 464287226   1,062,562 10,848 SH   SOLE   0 0 10,848
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   649,817 8,670 SH   SOLE   0 0 8,670
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   735,804 11,582 SH   SOLE   0 0 11,582
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   255,731 3,380 SH   SOLE   0 0 3,380
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,001,087 13,772 SH   SOLE   0 0 13,772
EXXON MOBIL CORP COM 30231G102   233,269 2,175 SH   SOLE   0 0 2,175
VANGUARD INDEX FDS MID CAP ETF 922908629   303,601 1,379 SH   SOLE   0 0 1,379
ISHARES TR CORE S&P500 ETF 464287200   268,317 602 SH   SOLE   0 0 602
ISHARES TR 0-5 YR TIPS ETF 46429B747   215,306 2,206 SH   SOLE   0 0 2,206
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   261,850 5,000 SH   SOLE   0 0 5,000
ENCOMPASS HEALTH CORP COM 29261A100   666,865 9,849 SH   SOLE   0 0 9,849
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   243,552 3,915 SH   SOLE   0 0 3,915