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
ISHARES INC CORE MSCI EMKT 46434G103   461,157 9,356 SH   SOLE   9,356 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   964,421 30,491 SH   SOLE   30,490 0 0
ISHARES INC MSCI EMERG MRKT 464286533   226,133 4,113 SH   SOLE   4,113 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   305,901 7,380 SH   SOLE   7,380 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   3,261,304 29,442 SH   SOLE   29,442 0 0
ISHARES TR 20 YR TR BD ETF 464287432   520,671 5,058 SH   SOLE   5,058 0 0
ISHARES TR AGGRES ALLOC ETF 464289859   251,561 3,792 SH   SOLE   3,792 0 0
ISHARES TR CORE S&P500 ETF 464287200   44,431,063 99,686 SH   SOLE   99,686 0 0
ISHARES TR CORE TOTAL USD 46434V613   22,127,458 486,639 SH   SOLE   486,638 0 0
ISHARES TR CORE US AGGBD ET 464287226   215,000 2,195 SH   SOLE   2,195 0 0
ISHARES TR EAFE GRWTH ETF 464288885   14,133,792 148,137 SH   SOLE   148,137 0 0
ISHARES TR EAFE VALUE ETF 464288877   8,033,747 164,155 SH   SOLE   164,155 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   3,916,885 40,190 SH   SOLE   40,189 0 0
ISHARES TR EUROPE ETF 464287861   398,104 7,877 SH   SOLE   7,877 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   245,451 2,888 SH   SOLE   2,888 0 0
ISHARES TR JPMORGAN USD EMG 464288281   1,360,842 15,725 SH   SOLE   15,725 0 0
ISHARES TR MBS ETF 464288588   524,056 5,619 SH   SOLE   5,619 0 0
ISHARES TR MSCI ACWI ETF 464288257   434,320 4,527 SH   SOLE   4,527 0 0
ISHARES TR MSCI INTL VLU FT 46435G409   2,133,321 83,824 SH   SOLE   83,824 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   7,717,281 103,825 SH   SOLE   103,824 0 0
ISHARES TR MSCI USA MMENTM 46432F396   892,090 6,184 SH   SOLE   6,184 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   16,994,374 126,006 SH   SOLE   126,005 0 0
ISHARES TR MSCI USA VALUE 46432F388   477,016 5,086 SH   SOLE   5,086 0 0
ISHARES TR NATIONAL MUN ETF 464288414   5,076,333 47,562 SH   SOLE   47,562 0 0
ISHARES TR RUS 1000 ETF 464287622   876,977 3,598 SH   SOLE   3,598 0 0
ISHARES TR S&P 100 ETF 464287101   1,519,820 7,340 SH   SOLE   7,340 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   937,666 13,304 SH   SOLE   13,304 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   956,128 9,190 SH   SOLE   9,190 0 0
ISHARES TR U.S. TECH ETF 464287721   7,321,384 67,249 SH   SOLE   67,248 0 0
ISHARES TR US HLTHCARE ETF 464287762   581,524 2,075 SH   SOLE   2,075 0 0
ISHARES TR US INFRASTRUC 46435U713   1,311,916 33,570 SH   SOLE   33,570 0 0
ISHARES TR US TREAS BD ETF 46429B267   7,235,077 315,942 SH   SOLE   315,942 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   6,278,328 182,616 SH   SOLE   182,615 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   758,895 1,712 SH   SOLE   1,712 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   4,788,454 103,736 SH   SOLE   103,736 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,136,963 24,165 SH   SOLE   24,165 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   313,003 4,306 SH   SOLE   4,306 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   525,904 10,472 SH   SOLE   10,472 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   8,051,137 175,063 SH   SOLE   175,062 0 0