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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN ETFS BBRG ALL COMD K1 003261104 BBG00G9CFDS3 728,000 35,052 SH   SOLE   0 0 35,052
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 834,000 2,917 SH   SOLE   0 0 2,917
APPLE INC COM 037833100 BBG001S5N8V8 901,000 5,464 SH   SOLE   0 0 5,464
BLACKROCK INC COM 09247X101 BBG001SDBP55 4,134,000 6,179 SH   SOLE   0 0 6,179
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830 BBG00MFP1CK9 11,606,000 583,783 SH   SOLE   0 0 583,783
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 364,000 25,593 SH   SOLE   0 0 25,593
INVESCO EXCH TRADED FD TR II PURBTA 0 5 YR 46138E495 BBG00HSHJ0Q5 240,000 9,611 SH   SOLE   0 0 9,611
INVESCO EXCH TRADED FD TR II S&P SMLCP INDL 46138E123 BBG001T7V3H1 9,144,000 95,822 SH   SOLE   0 0 95,822
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 6,758,000 305,098 SH   SOLE   0 0 305,098
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 2,557,000 17,678 SH   SOLE   0 0 17,678
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 11,842,000 242,715 SH   SOLE   0 0 242,715
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 17,015,000 171,471 SH   SOLE   0 0 171,471
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 6,785,000 162,791 SH   SOLE   0 0 162,791
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 10,935,000 231,902 SH   SOLE   0 0 231,902
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 3,476,000 69,540 SH   SOLE   0 0 69,540
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 19,776,000 295,821 SH   SOLE   0 0 295,821
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 516,000 8,532 SH   SOLE   0 0 8,532
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 7,678,000 30,693 SH   SOLE   0 0 30,693
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 7,281,000 75,294 SH   SOLE   0 0 75,294
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 20,227,000 49,205 SH   SOLE   0 0 49,205
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 238,000 3,307 SH   SOLE   0 0 3,307
ISHARES TR HDG MSCI EAFE 46434V803 BBG005XKVF72 1,385,000 47,010 SH   SOLE   0 0 47,010
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 10,180,000 107,464 SH   SOLE   0 0 107,464
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 2,137,000 29,875 SH   SOLE   0 0 29,875
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 742,000 18,812 SH   SOLE   0 0 18,812
ISHARES TR MSCI USA ESG SLC 464288802 BBG001SN86J4 210,000 2,397 SH   SOLE   0 0 2,397
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,169,000 10,849 SH   SOLE   0 0 10,849
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,957,000 8,689 SH   SOLE   0 0 8,689
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 238,000 976 SH   SOLE   0 0 976
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 566,000 3,714 SH   SOLE   0 0 3,714
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 224,000 986 SH   SOLE   0 0 986
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 272,000 3,889 SH   SOLE   0 0 3,889
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 372,000 2,085 SH   SOLE   0 0 2,085
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 805,000 4,301 SH   SOLE   0 0 4,301
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 8,273,000 129,482 SH   SOLE   0 0 129,482
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 11,468,000 75,570 SH   SOLE   0 0 75,570
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 628,000 8,787 SH   SOLE   0 0 8,787
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 729,000 7,098 SH   SOLE   0 0 7,098
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 300,000 2,733 SH   SOLE   0 0 2,733
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 338,000 3,611 SH   SOLE   0 0 3,611
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 252,000 4,941 SH   SOLE   0 0 4,941
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,676,000 6,537 SH   SOLE   0 0 6,537
SPDR SER TR BLOOMBERG SHT TE 78468R408 BBG002QLYD04 266,000 10,726 SH   SOLE   0 0 10,726
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 1,111,000 23,354 SH   SOLE   0 0 23,354
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 265,000 2,139 SH   SOLE   0 0 2,139
SPDR SER TR SPDR S&P1500VL 78464A128 BBG003HBVT20 8,642,000 60,849 SH   SOLE   0 0 60,849
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 2,441,000 13,068 SH   SOLE   0 0 13,068
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 203,000 1,040 SH   SOLE   0 0 1,040
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 3,828,000 18,150 SH   SOLE   0 0 18,150
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 293,000 780 SH   SOLE   0 0 780
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 3,379,000 17,826 SH   SOLE   0 0 17,826
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 268,000 1,311 SH   SOLE   0 0 1,311
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 433,000 3,138 SH   SOLE   0 0 3,138
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,428,000 84,862 SH   SOLE   0 0 84,862
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 5,823,000 53,308 SH   SOLE   0 0 53,308
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 17,509,000 113,689 SH   SOLE   0 0 113,689
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,904,000 152,843 SH   SOLE   0 0 152,843
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 691,000 6,844 SH   SOLE   0 0 6,844
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 415,000 2,027 SH   SOLE   0 0 2,027