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 TR 10-20 YR TRS ETF 464288653   7,866,605 72,664 SH   SOLE   0 0 72,664
ISHARES TR CORE TOTAL USD 46434V613   16,744,326 363,454 SH   SOLE   0 0 363,454
ISHARES TR GLOBAL ENERG ETF 464287341   1,369,398 35,014 SH   SOLE   0 0 35,014
ISHARES TR EAFE GRWTH ETF 464288885   9,278,549 95,803 SH   SOLE   0 0 95,803
ISHARES TR EAFE VALUE ETF 464288877   12,675,854 243,299 SH   SOLE   0 0 243,299
ISHARES INC MSCI EMRG CHN 46434G764   6,686,657 120,676 SH   SOLE   0 0 120,676
ISHARES TR MSCI USA MIN VOL 46429B697   5,122,359 65,646 SH   SOLE   0 0 65,646
ISHARES TR MSCI USA QLT FCT 46432F339   5,235,977 35,585 SH   SOLE   0 0 35,585
ISHARES TR S&P 100 ETF 464287101   4,504,883 20,166 SH   SOLE   0 0 20,166
ISHARES TR S&P 500 GRWT ETF 464287309   30,747,044 409,415 SH   SOLE   0 0 409,415
ISHARES TR S&P 500 VAL ETF 464287408   26,414,478 151,903 SH   SOLE   0 0 151,903
ISHARES TR U.S. TECH ETF 464287721   5,793,198 47,195 SH   SOLE   0 0 47,195
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   22,248,043 477,221 SH   SOLE   0 0 477,221
SPDR SER TR PORT MTG BK ETF 78464A383   12,857,442 582,576 SH   SOLE   0 0 582,576
ISHARES TR FALN ANGLS USD 46435G474   1,734,850 65,714 SH   SOLE   0 0 65,714
VANGUARD INDEX FDS GROWTH ETF 922908736   8,796,660 28,296 SH   SOLE   0 0 28,296
VANGUARD INDEX FDS SMALL CP ETF 922908751   369,914 1,734 SH   SOLE   0 0 1,734
ISHARES TR US HLTHCARE ETF 464287762   810,059 2,830 SH   SOLE   0 0 2,830
ISHARES TR A RATE CP BD ETF 46429B291   1,730,803 35,961 SH   SOLE   0 0 35,961
ISHARES TR CORE DIV GRWTH 46434V621   1,627,732 30,244 SH   SOLE   0 0 30,244
ISHARES TR IBOXX HI YD ETF 464288513   1,696,776 21,925 SH   SOLE   0 0 21,925
ISHARES TR IBOXX INV CP ETF 464287242   3,182,028 28,755 SH   SOLE   0 0 28,755
ISHARES TR INTL DIV GRWTH 46435G524   1,457,797 22,577 SH   SOLE   0 0 22,577
ISHARES TR MBS ETF 464288588   1,323,329 14,066 SH   SOLE   0 0 14,066
SPDR SER TR PORTFOLIO CRPORT 78464A144   2,185,369 74,307 SH   SOLE   0 0 74,307
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   644,775 5,776 SH   SOLE   0 0 5,776
ISHARES TR ISHS 1-5YR INVS 464288646   8,242,302 160,747 SH   SOLE   0 0 160,747
VANGUARD INDEX FDS VALUE ETF 922908744   6,243,419 41,762 SH   SOLE   0 0 41,762
ISHARES TR CORE S&P MCP ETF 464287507   262,461 947 SH   SOLE   0 0 947
ISHARES INC ESG AWR MSCI EM 46434G863   852,572 26,593 SH   SOLE   0 0 26,593
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,628,689 56,123 SH   SOLE   0 0 56,123
ISHARES INC CORE MSCI EMKT 46434G103   421,837 8,340 SH   SOLE   0 0 8,340
AMAZON COM INC COM 023135106   438,195 2,884 SH   SOLE   0 0 2,884
SPDR S&P 500 ETF TR TR UNIT 78462F103   366,939 772 SH   SOLE   0 0 772
VANGUARD WORLD FDS INF TECH ETF 92204A702   336,380 695 SH   SOLE   0 0 695
ISHARES TR CORE MSCI EAFE 46432F842   559,001 7,946 SH   SOLE   0 0 7,946
ISHARES TR CORE S&P SCP ETF 464287804   375,086 3,465 SH   SOLE   0 0 3,465
ISHARES TR MSCI USA MMENTM 46432F396   437,880 2,791 SH   SOLE   0 0 2,791
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,614,182 33,699 SH   SOLE   0 0 33,699
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   665,491 16,192 SH   SOLE   0 0 16,192
SPDR SER TR SSGA US LRG ETF 78468R804   377,316 2,602 SH   SOLE   0 0 2,602
ENCOMPASS HEALTH CORP COM 29261A100   633,096 9,489 SH   SOLE   0 0 9,489
ISHARES TR NATIONAL MUN ETF 464288414   5,898,697 54,411 SH   SOLE   0 0 54,411
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,331,593 84,850 SH   SOLE   0 0 84,850
VANGUARD BD INDEX FDS INTERMED TERM 921937819   302,388 3,959 SH   SOLE   0 0 3,959
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   271,021 5,846 SH   SOLE   0 0 5,846
APPLE INC COM 037833100   212,361 1,103 SH   SOLE   0 0 1,103
ISHARES TR SHRT NAT MUN ETF 464288158   469,585 4,454 SH   SOLE   0 0 4,454
SPDR SER TR PRTFLO S&P500 HI 78468R788   441,436 11,264 SH   SOLE   0 0 11,264
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   706,156 8,512 SH   SOLE   0 0 8,512
EXXON MOBIL CORP COM 30231G102   217,457 2,175 SH   SOLE   0 0 2,175
SPDR SER TR NUVEEN BLMBRG MU 78468R721   1,381,189 29,387 SH   SOLE   0 0 29,387
ISHARES TR FLTG RATE NT ETF 46429B655   252,493 4,988 SH   SOLE   0 0 4,988
ISHARES TR SHORT TREAS BD 464288679   266,955 2,424 SH   SOLE   0 0 2,424
ISHARES TR CORE S&P500 ETF 464287200   287,533 602 SH   SOLE   0 0 602
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   282,000 5,000 SH   SOLE   0 0 5,000
VANGUARD INDEX FDS MID CAP ETF 922908629   250,088 1,075 SH   SOLE   0 0 1,075
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   268,293 3,862 SH   SOLE   0 0 3,862