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 CORE S&P TTL STK 464287150   87,769,820 969,297 SH   SOLE 0 969,297 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   68,050,812 1,327,044 SH   SOLE 0 1,327,044 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   39,655,203 257,485 SH   SOLE 0 257,485 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   37,606,885 744,101 SH   SOLE 0 744,101 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   24,951,770 706,849 SH   SOLE 0 706,849 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   21,849,182 185,713 SH   SOLE 0 185,713 0 0
ISHARES TR MSCI INTL MOMENT 46434V449   16,657,129 515,399 SH   SOLE 0 515,399 0 0
ISHARES TR CORE MSCI EAFE 46432F842   15,177,661 227,041 SH   SOLE 0 227,041 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   14,810,599 180,265 SH   SOLE 0 180,265 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   14,128,799 616,171 SH   SOLE 0 616,171 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   11,941,212 161,237 SH   SOLE 0 161,237 0 0
ISHARES TR 10 YR INVST GRD 464289511   9,247,083 176,505 SH   SOLE 0 176,505 0 0
ISHARES TR US TREAS BD ETF 46429B267   9,148,155 391,281 SH   SOLE 0 391,281 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   7,369,380 148,576 SH   SOLE 0 148,576 0 0
ISHARES TR 20 YR TR BD ETF 464287432   7,183,862 67,537 SH   SOLE 0 67,537 0 0
ISHARES TR EAFE SML CP ETF 464288273   4,539,625 76,283 SH   SOLE 0 76,283 0 0
ISHARES INC CORE MSCI EMKT 46434G103   4,167,472 85,417 SH   SOLE 0 85,417 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   4,146,952 45,848 SH   SOLE 0 45,848 0 0
ISHARES TR CORE S&P SCP ETF 464287804   2,898,411 29,973 SH   SOLE 0 29,973 0 0
ISHARES TR INTERNATIONAL SL 46434V266   2,869,247 92,311 SH   SOLE 0 92,311 0 0
ISHARES TR ESG EAFE ETF 46436E759   2,739,471 45,972 SH   SOLE 0 45,972 0 0
ISHARES TR MSCI ACWI ETF 464288257   2,393,791 26,259 SH   SOLE 0 26,259 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   2,077,623 49,847 SH   SOLE 0 49,847 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,971,204 19,861 SH   SOLE 0 19,861 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   1,807,256 28,287 SH   SOLE 0 28,287 0 0
ISHARES TR ESG AWRE USD ETF 46435G193   1,707,046 74,171 SH   SOLE 0 74,171 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,701,932 70,737 SH   SOLE 0 70,737 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,656,612 10,916 SH   SOLE 0 10,916 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   1,599,662 27,354 SH   SOLE 0 27,354 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   1,413,976 56,132 SH   SOLE 0 56,132 0 0
ISHARES TR CORE TOTAL USD 46434V613   1,326,862 28,751 SH   SOLE 0 28,751 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   1,175,329 33,192 SH   SOLE 0 33,192 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882   1,138,928 45,906 SH   SOLE 0 45,906 0 0
ISHARES TR JPMORGAN USD EMG 464288281   904,818 10,487 SH   SOLE 0 10,487 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   846,909 7,394 SH   SOLE 0 7,394 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   789,955 7,854 SH   SOLE 0 7,854 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   603,938 6,093 SH   SOLE 0 6,093 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   603,773 11,982 SH   SOLE 0 11,982 0 0
NUSHARES ETF TR ESG HI TLD CRP 67092P854   340,220 16,394 SH   SOLE 0 16,394 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   305,801 12,436 SH   SOLE 0 12,436 0 0
ISHARES TR IBONDS 25 TRM HG 46435U168   262,045 11,438 SH   SOLE 0 11,438 0 0
ISHARES TR IBONDS 24 TRM HG 46435U184   261,300 11,297 SH   SOLE 0 11,297 0 0
ISHARES TR IBONDS 23 TRM HG 46435U150   259,757 11,002 SH   SOLE 0 11,002 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   213,140 8,365 SH   SOLE 0 8,365 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   201,171 8,201 SH   SOLE 0 8,201 0 0