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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P TTL STK 464287150   95,934,358 980,523 SH   SOLE 0 980,523 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   67,340,838 1,331,636 SH   SOLE 0 1,331,636 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   42,334,139 259,398 SH   SOLE 0 259,398 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   37,811,832 753,674 SH   SOLE 0 753,674 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   25,223,170 708,516 SH   SOLE 0 708,516 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   21,749,723 188,701 SH   SOLE 0 188,701 0 0
ISHARES TR MSCI INTL MOMENT 46434V449   17,346,070 522,472 SH   SOLE 0 522,472 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   14,914,124 183,943 SH   SOLE 0 183,943 0 0
ISHARES TR CORE MSCI EAFE 46432F842   14,910,665 220,899 SH   SOLE 0 220,899 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   14,429,353 628,183 SH   SOLE 0 628,183 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   12,785,161 164,736 SH   SOLE 0 164,736 0 0
ISHARES TR 10+ YR INVST GRD 464289511   9,144,619 177,393 SH   SOLE 0 177,393 0 0
ISHARES TR US TREAS BD ETF 46429B267   8,834,508 385,786 SH   SOLE 0 385,786 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   7,463,976 150,120 SH   SOLE 0 150,120 0 0
ISHARES TR 20 YR TR BD ETF 464287432   7,133,181 69,295 SH   SOLE 0 69,295 0 0
ISHARES TR EAFE SML CP ETF 464288273   4,553,987 77,212 SH   SOLE 0 77,212 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   4,197,895 43,073 SH   SOLE 0 43,073 0 0
ISHARES INC CORE MSCI EMKT 46434G103   4,175,151 84,706 SH   SOLE 0 84,706 0 0
ISHARES TR ESG EAFE ETF 46436E759   3,094,289 50,801 SH   SOLE 0 50,801 0 0
ISHARES TR CORE S&P SCP ETF 464287804   2,918,985 29,292 SH   SOLE 0 29,292 0 0
ISHARES TR INTERNATIONAL SL 46434V266   2,816,278 91,289 SH   SOLE 0 91,289 0 0
ISHARES TR MSCI ACWI ETF 464288257   2,499,295 26,051 SH   SOLE 0 26,051 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,451,702 24,576 SH   SOLE 0 24,576 0 0
ISHARES TR ESG AWRE USD ETF 46435G193   2,027,794 89,173 SH   SOLE 0 89,173 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   2,021,710 84,555 SH   SOLE 0 84,555 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   1,967,010 47,455 SH   SOLE 0 47,455 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   1,913,884 27,155 SH   SOLE 0 27,155 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,743,592 10,817 SH   SOLE 0 10,817 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   1,673,185 66,160 SH   SOLE 0 66,160 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   1,651,224 28,687 SH   SOLE 0 28,687 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882   1,411,069 56,875 SH   SOLE 0 56,875 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   1,397,963 37,793 SH   SOLE 0 37,793 0 0
ISHARES TR CORE TOTAL USD 46434V613   1,314,748 28,915 SH   SOLE 0 28,915 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,090,444 44,291 SH   SOLE 0 44,291 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   979,532 9,734 SH   SOLE 0 9,734 0 0
ISHARES TR JPMORGAN USD EMG 464288281   861,938 9,960 SH   SOLE 0 9,960 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   774,504 6,992 SH   SOLE 0 6,992 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   755,338 14,863 SH   SOLE 0 14,863 0 0
ISHARES TR IBONDS 24 TRM TS 46436E874   606,115 25,467 SH   SOLE 0 25,467 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   557,092 5,767 SH   SOLE 0 5,767 0 0
NUSHARES ETF TR ESG HI TLD CRP 67092P854   405,518 19,724 SH   SOLE 0 19,724 0 0
ISHARES TR IBONDS 25 TRM HG 46435U168   324,737 14,119 SH   SOLE 0 14,119 0 0
ISHARES TR IBONDS 24 TRM HG 46435U184   323,420 14,013 SH   SOLE 0 14,013 0 0
ISHARES TR IBONDS 23 TRM HG 46435U150   323,093 13,673 SH   SOLE 0 13,673 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   232,146 9,522 SH   SOLE 0 9,522 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   227,110 8,365 SH   SOLE 0 8,365 0 0
ISHARES TR S&P MC 400VL ETF 464287705   200,333 1,870 SH   SOLE 0 1,870 0 0