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 INTERNATIONAL SMALLCAP EQUITY FACTOR ETF ETF 46434V266   3,244,220 98,369 SH   SOLE 0 98,369 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   15,971,147 195,294 SH   SOLE 0 195,294 0 0
NUVEEN ESG SMALL-CAP ETF ETF 67092P607   1,511,630 36,346 SH   SOLE 0 36,346 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   5,426,572 47,204 SH   SOLE 0 47,204 0 0
ISHARES ESG AWARE USD CORPORATE BOND ETF ETF 46435G193   2,269,803 98,730 SH   SOLE 0 98,730 0 0
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ETF 46435G243   2,267,656 92,633 SH   SOLE 0 92,633 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND PIMCO ENHANCED SH ETF 72201R833   2,464,336 24,511 SH   SOLE 0 24,511 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   3,417,635 30,923 SH   SOLE 0 30,923 0 0
ISHARES IBONDS 2025 TERM HIGH YIELD & INCOME ETF ETF 46435U168   350,466 14,990 SH   SOLE 0 14,990 0 0
ISHARES IBONDS 2024 TERM HIGH YIELD & INCOME ETF ETF 46435U184   401,088 17,203 SH   SOLE 0 17,203 0 0
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877   15,727,443 167,831 SH   SOLE 0 167,831 0 0
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802   2,045,743 31,062 SH   SOLE 0 31,062 0 0
NUVEEN ESG HIGH YIELD CORPORATE BOND ETF ETF 67092P854   450,955 21,350 SH   SOLE 0 21,350 0 0
ISHARES IBONDS DEC 2024 TERM TREASURY ETF ETF 46436E874   1,205,092 50,338 SH   SOLE 0 50,338 0 0
ISHARES IBONDS DEC 2025 TERM TREASURY ETF ETF 46436E866   902,625 38,856 SH   SOLE 0 38,856 0 0
ISHARES FLOATING RATE BOND ETF ETF 46429B655   753,748 14,762 SH   SOLE 0 14,762 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718   958,155 9,514 SH   SOLE 0 9,514 0 0
ISHARES ESG ADVANCED MSCI EAFE ETF ETF 46436E759   3,311,186 48,601 SH   SOLE 0 48,601 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INCOME ETF ETF 46436E528   300,587 13,035 SH   SOLE 0 13,035 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   267,262 8,365 SH   SOLE 0 8,365 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267   9,465,785 415,713 SH   SOLE 0 415,713 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   110,451,266 957,947 SH   SOLE 0 957,946 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   17,139,973 230,935 SH   SOLE 0 230,934 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   42,750,582 833,670 SH   SOLE 0 833,669 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   4,708,947 91,259 SH   SOLE 0 91,258 0 0
ISHARES 10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464289511   9,595,664 186,287 SH   SOLE 0 186,287 0 0
BLACKROCK SHORT DURATION BOND ETF ETF 46431W507   7,908,581 156,730 SH   SOLE 0 156,729 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   1,700,158 9,101 SH   SOLE 0 9,101 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   2,001,819 23,707 SH   SOLE 0 23,707 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   275,634 11,557 SH   SOLE 0 11,557 0 0
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407   1,867,434 43,888 SH   SOLE 0 43,888 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653   712,103 6,780 SH   SOLE 0 6,780 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   72,276,460 1,400,707 SH   SOLE 0 1,400,706 0 0
ISHARES 3-7 YEAR TREASURY BOND ETF ETF 464288661   23,419,724 202,225 SH   SOLE 0 202,225 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   47,571,749 260,510 SH   SOLE 0 260,510 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   5,092,517 80,412 SH   SOLE 0 80,412 0 0
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440   518,737 5,480 SH   SOLE 0 5,480 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   7,191,849 76,008 SH   SOLE 0 76,007 0 0
ISHARES GLOBAL REIT ETF ETF 46434V647   15,939,267 673,111 SH   SOLE 0 673,110 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613   1,262,268 27,687 SH   SOLE 0 27,687 0 0
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281   853,927 9,523 SH   SOLE 0 9,523 0 0
ISHARES MSCI ACWI ETF ETF 464288257   2,691,705 24,441 SH   SOLE 0 24,441 0 0
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   28,861,098 727,713 SH   SOLE 0 727,713 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1   1,237,374 49,874 SH   SOLE 0 49,874 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4   1,364,448 54,469 SH   SOLE 0 54,469 0 0
ISHARES MSCI INTL MOMENTUM FACTOR ETF ETF 46434V449   21,242,339 541,482 SH   SOLE 0 541,482 0 0