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
Estimated average burden
hours per response: 23.8
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
ABRDN ETFS BBRG ALL COMD K1 003261104 699 24,340 SH   SOLE   24,340 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 984 2,917 SH   SOLE   2,917 0 0
APPLE INC COM 037833100 986 5,645 SH   SOLE   5,645 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 461 26,151 SH   SOLE   26,151 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP INDL 46138E123 8,859 96,048 SH   SOLE   96,048 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 7,257 296,913 SH   SOLE   296,913 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,433 15,426 SH   SOLE   15,426 0 0
ISHARES INC CORE MSCI EMKT 46434G103 11,198 201,589 SH   SOLE   201,589 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 17,833 169,932 SH   SOLE   169,932 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 6,853 155,890 SH   SOLE   155,890 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 11,272 232,604 SH   SOLE   232,604 0 0
ISHARES TR CORE DIV GRWTH 46434V621 3,864 72,340 SH   SOLE   72,340 0 0
ISHARES TR CORE MSCI EAFE 46432F842 19,993 287,632 SH   SOLE   287,632 0 0
ISHARES TR CORE MSCI INTL 46435G326 260 4,089 SH   SOLE   4,089 0 0
ISHARES TR CORE S&P MCP ETF 464287507 7,888 29,395 SH   SOLE   29,395 0 0
ISHARES TR CORE S&P SCP ETF 464287804 7,745 71,789 SH   SOLE   71,789 0 0
ISHARES TR CORE S&P500 ETF 464287200 21,369 47,101 SH   SOLE   47,101 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 214 2,899 SH   SOLE   2,899 0 0
ISHARES TR HDG MSCI EAFE 46434V803 1,354 39,892 SH   SOLE   39,892 0 0
ISHARES TR MBS ETF 464288588 10,906 107,061 SH   SOLE   107,061 0 0
ISHARES TR MSCI EAFE ETF 464287465 830 11,281 SH   SOLE   11,281 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 444 9,823 SH   SOLE   9,823 0 0
ISHARES TR MSCI USA ESG SLC 464288802 217 2,239 SH   SOLE   2,239 0 0
ISHARES TR RUS 1000 ETF 464287622 1,535 6,137 SH   SOLE   6,137 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 880 3,170 SH   SOLE   3,170 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 665 4,009 SH   SOLE   4,009 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 211 826 SH   SOLE   826 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 210 1,298 SH   SOLE   1,298 0 0
ISHARES TR S&P 100 ETF 464287101 1,799 8,628 SH   SOLE   8,628 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 9,668 126,582 SH   SOLE   126,582 0 0
ISHARES TR S&P 500 VAL ETF 464287408 9,889 63,505 SH   SOLE   63,505 0 0
ISHARES TR S&P MC 400GR ETF 464287606 672 8,701 SH   SOLE   8,701 0 0
ISHARES TR S&P MC 400VL ETF 464287705 911 8,312 SH   SOLE   8,312 0 0
ISHARES TR S&P SML 600 GWT 464287887 368 2,941 SH   SOLE   2,941 0 0
ISHARES TR SP SMCP600VL ETF 464287879 422 4,126 SH   SOLE   4,126 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 271 4,967 SH   SOLE   4,967 0 0
POLARITYTE INC COM 731094108 17 69,220 SH   SOLE   69,220 0 0
PRUDENTIAL FINL INC COM 744320102 1,001 8,470 SH   SOLE   8,470 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 312 3,960 SH   SOLE   3,960 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,274 5,035 SH   SOLE   5,035 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 287 10,956 SH   SOLE   10,956 0 0
SPDR SER TR S&P DIVID ETF 78464A763 270 2,108 SH   SOLE   2,108 0 0
SPDR SER TR SPDR S&P1500VL 78464A128 9,316 60,113 SH   SOLE   60,113 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 570 7,312 SH   SOLE   7,312 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,967 14,231 SH   SOLE   14,231 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 231 1,035 SH   SOLE   1,035 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 4,221 17,746 SH   SOLE   17,746 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 324 780 SH   SOLE   780 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,751 17,650 SH   SOLE   17,650 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 320 1,405 SH   SOLE   1,405 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 466 3,150 SH   SOLE   3,150 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,033 87,426 SH   SOLE   87,426 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,843 47,165 SH   SOLE   47,165 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 499 9,963 SH   SOLE   9,963 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 17,864 110,165 SH   SOLE   110,165 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,439 154,886 SH   SOLE   154,886 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 800 7,456 SH   SOLE   7,456 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 500 2,123 SH   SOLE   2,123 0 0