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   9,676,939 92,135 SH   SOLE   0 0 92,135
ISHARES TR CORE TOTAL USD 46434V613   17,638,178 386,887 SH   SOLE   0 0 386,887
ISHARES TR GLOBAL ENERG ETF 464287341   1,815,411 42,268 SH   SOLE   0 0 42,268
ISHARES TR EAFE GRWTH ETF 464288885   9,470,245 91,244 SH   SOLE   0 0 91,244
ISHARES TR EAFE VALUE ETF 464288877   13,064,026 240,148 SH   SOLE   0 0 240,148
ISHARES INC MSCI EMRG CHN 46434G764   7,872,179 136,741 SH   SOLE   0 0 136,741
ISHARES TR MSCI USA MIN VOL 46429B697   5,234,401 62,627 SH   SOLE   0 0 62,627
ISHARES TR MSCI USA QLT FCT 46432F339   6,494,455 39,516 SH   SOLE   0 0 39,516
ISHARES TR S&P 100 ETF 464287101   5,570,773 22,516 SH   SOLE   0 0 22,516
ISHARES TR S&P 500 GRWT ETF 464287309   33,435,568 395,968 SH   SOLE   0 0 395,968
ISHARES TR S&P 500 VAL ETF 464287408   28,080,129 150,314 SH   SOLE   0 0 150,314
ISHARES TR U.S. TECH ETF 464287721   6,629,205 49,083 SH   SOLE   0 0 49,083
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   23,121,716 502,646 SH   SOLE   0 0 502,646
SPDR SER TR PORT MTG BK ETF 78464A383   13,924,985 641,114 SH   SOLE   0 0 641,114
ISHARES TR ISHS 1-5YR INVS 464288646   7,797,432 152,056 SH   SOLE   0 0 152,056
ISHARES TR FALN ANGLS USD 46435G474   1,403,677 52,259 SH   SOLE   0 0 52,259
VANGUARD INDEX FDS GROWTH ETF 922908736   9,645,172 28,022 SH   SOLE   0 0 28,022
VANGUARD INDEX FDS SMALL CP ETF 922908751   286,652 1,254 SH   SOLE   0 0 1,254
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   545,269 10,394 SH   SOLE   0 0 10,394
ISHARES TR A RATE CP BD ETF 46429B291   638,226 13,442 SH   SOLE   0 0 13,442
ISHARES TR CORE DIV GRWTH 46434V621   875,255 15,075 SH   SOLE   0 0 15,075
ISHARES TR IBOXX HI YD ETF 464288513   968,749 12,463 SH   SOLE   0 0 12,463
ISHARES TR IBOXX INV CP ETF 464287242   1,821,360 16,722 SH   SOLE   0 0 16,722
ISHARES TR INTL DIV GRWTH 46435G524   753,220 11,182 SH   SOLE   0 0 11,182
ISHARES TR MBS ETF 464288588   456,000 4,934 SH   SOLE   0 0 4,934
SPDR SER TR PORTFOLIO CRPORT 78464A144   1,263,287 43,397 SH   SOLE   0 0 43,397
SPDR SER TR PORTFOLIO LN TSR 78464A664   496,270 17,762 SH   SOLE   0 0 17,762
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   379,788 3,139 SH   SOLE   0 0 3,139
VANGUARD INDEX FDS VALUE ETF 922908744   6,615,373 40,620 SH   SOLE   0 0 40,620
ISHARES TR CORE S&P MCP ETF 464287507   292,645 4,818 SH   SOLE   0 0 4,818
ISHARES INC ESG AWR MSCI EM 46434G863   416,122 12,911 SH   SOLE   0 0 12,911
ISHARES TR US HLTHCARE ETF 464287762   288,454 4,660 SH   SOLE   0 0 4,660
ISHARES INC CORE MSCI EMKT 46434G103   366,566 7,104 SH   SOLE   0 0 7,104
AMAZON COM INC COM 023135106   540,418 2,996 SH   SOLE   0 0 2,996
SPDR S&P 500 ETF TR TR UNIT 78462F103   381,841 730 SH   SOLE   0 0 730
VANGUARD WORLD FD INF TECH ETF 92204A702   364,416 695 SH   SOLE   0 0 695
ISHARES TR CORE MSCI EAFE 46432F842   481,688 6,490 SH   SOLE   0 0 6,490
ISHARES TR CORE S&P SCP ETF 464287804   377,205 3,413 SH   SOLE   0 0 3,413
ISHARES TR MSCI USA MMENTM 46432F396   477,930 2,551 SH   SOLE   0 0 2,551
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,645,074 32,790 SH   SOLE   0 0 32,790
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   862,634 20,652 SH   SOLE   0 0 20,652
SPDR SER TR SSGA US LRG ETF 78468R804   329,390 2,115 SH   SOLE   0 0 2,115
ENCOMPASS HEALTH CORP COM 29261A100   717,112 8,684 SH   SOLE   0 0 8,684
ISHARES TR NATIONAL MUN ETF 464288414   5,620,163 52,232 SH   SOLE   0 0 52,232
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,245,947 83,912 SH   SOLE   0 0 83,912
VANGUARD INDEX FDS TOTAL STK MKT 922908769   217,276 836 SH   SOLE   0 0 836
VANGUARD BD INDEX FDS INTERMED TERM 921937819   298,509 3,959 SH   SOLE   0 0 3,959
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   256,374 5,621 SH   SOLE   0 0 5,621
APPLE INC COM 037833100   217,265 1,267 SH   SOLE   0 0 1,267
ISHARES TR SHRT NAT MUN ETF 464288158   479,559 4,579 SH   SOLE   0 0 4,579
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   788,769 8,507 SH   SOLE   0 0 8,507
EXXON MOBIL CORP COM 30231G102   258,285 2,222 SH   SOLE   0 0 2,222
SPDR SER TR NUVEEN BLMBRG MU 78468R721   1,283,824 27,621 SH   SOLE   0 0 27,621
ISHARES TR FLTG RATE NT ETF 46429B655   255,504 5,004 SH   SOLE   0 0 5,004
ISHARES TR SHORT TREAS BD 464288679   267,949 2,424 SH   SOLE   0 0 2,424
ISHARES TR CORE S&P500 ETF 464287200   316,489 602 SH   SOLE   0 0 602
ISHARES TR MSCI EAFE ETF 464287465   204,841 2,565 SH   SOLE   0 0 2,565
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   310,300 5,000 SH   SOLE   0 0 5,000
VANGUARD INDEX FDS MID CAP ETF 922908629   212,131 849 SH   SOLE   0 0 849
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   294,593 3,862 SH   SOLE   0 0 3,862