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 819,000 40,606 SH   SOLE   0 0 40,606
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 900,000 2,917 SH   SOLE   0 0 2,917
APPLE INC COM 037833100 BBG001S5N8V8 1,049,000 5,410 SH   SOLE   0 0 5,410
BLACKROCK INC COM 09247X101 BBG001SDBP55 4,271,000 6,179 SH   SOLE   0 0 6,179
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830 BBG00MFP1CK9 1,468,000 74,342 SH   SOLE   0 0 74,342
INNOVATOR ETFS TR US EQTY PWR BF 45782C680 BBG00PVP39R2 274,000 8,784 SH   SOLE   0 0 8,784
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 267,000 19,589 SH   SOLE   0 0 19,589
INVESCO EXCH TRADED FD TR II S&P SMLCP INDL 46138E123 BBG001T7V3H1 9,473,000 91,002 SH   SOLE   0 0 91,002
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 7,013,000 315,204 SH   SOLE   0 0 315,204
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 2,676,000 17,883 SH   SOLE   0 0 17,883
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 12,068,000 244,834 SH   SOLE   0 0 244,834
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 16,895,000 173,103 SH   SOLE   0 0 173,103
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 6,919,000 166,924 SH   SOLE   0 0 166,924
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 10,711,000 229,646 SH   SOLE   0 0 229,646
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 3,582,000 69,514 SH   SOLE   0 0 69,514
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 19,330,000 286,366 SH   SOLE   0 0 286,366
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 529,000 8,653 SH   SOLE   0 0 8,653
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 7,518,000 28,750 SH   SOLE   0 0 28,750
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 7,357,000 73,833 SH   SOLE   0 0 73,833
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 22,113,000 49,614 SH   SOLE   0 0 49,614
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 243,000 3,332 SH   SOLE   0 0 3,332
ISHARES TR HDG MSCI EAFE 46434V803 BBG005XKVF72 1,409,000 45,467 SH   SOLE   0 0 45,467
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 9,956,000 106,755 SH   SOLE   0 0 106,755
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,857,000 25,609 SH   SOLE   0 0 25,609
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 659,000 16,646 SH   SOLE   0 0 16,646
ISHARES TR MSCI USA ESG SLC 464288802 BBG001SN86J4 203,000 2,173 SH   SOLE   0 0 2,173
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,396,000 13,082 SH   SOLE   0 0 13,082
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 2,199,000 9,022 SH   SOLE   0 0 9,022
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 255,000 926 SH   SOLE   0 0 926
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 635,000 4,021 SH   SOLE   0 0 4,021
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 229,000 944 SH   SOLE   0 0 944
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 211,000 1,501 SH   SOLE   0 0 1,501
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 284,000 3,896 SH   SOLE   0 0 3,896
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 339,000 1,808 SH   SOLE   0 0 1,808
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 842,000 4,067 SH   SOLE   0 0 4,067
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 6,276,000 89,045 SH   SOLE   0 0 89,045
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 12,595,000 78,135 SH   SOLE   0 0 78,135
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 674,000 8,990 SH   SOLE   0 0 8,990
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 780,000 7,283 SH   SOLE   0 0 7,283
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 339,000 2,947 SH   SOLE   0 0 2,947
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 351,000 3,696 SH   SOLE   0 0 3,696
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 250,000 4,964 SH   SOLE   0 0 4,964
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,258,000 5,094 SH   SOLE   0 0 5,094
SPDR SER TR BLOOMBERG SHT TE 78468R408 BBG002QLYD04 270,000 10,948 SH   SOLE   0 0 10,948
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 1,334,000 28,359 SH   SOLE   0 0 28,359
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 264,000 2,153 SH   SOLE   0 0 2,153
SPDR SER TR SPDR S&P1500VL 78464A128 BBG003HBVT20 8,828,000 59,431 SH   SOLE   0 0 59,431
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 3,045,000 15,023 SH   SOLE   0 0 15,023
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 216,000 1,048 SH   SOLE   0 0 1,048
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 4,115,000 18,692 SH   SOLE   0 0 18,692
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 3,719,000 18,700 SH   SOLE   0 0 18,700
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 291,000 1,323 SH   SOLE   0 0 1,323
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 485,000 3,415 SH   SOLE   0 0 3,415
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,546,000 87,159 SH   SOLE   0 0 87,159
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 5,875,000 53,176 SH   SOLE   0 0 53,176
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 17,654,000 108,684 SH   SOLE   0 0 108,684
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,837,000 148,049 SH   SOLE   0 0 148,049
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 805,000 7,755 SH   SOLE   0 0 7,755
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 405,000 1,721 SH   SOLE   0 0 1,721