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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P SCP ETF 464287804 4,652 42,601 SH   SOLE 0 0 0 42,601
ISHARES TR CORE S&P500 ETF 464287200 18,751 43,524 SH   SOLE 0 0 0 43,524
ISHARES TR RUSSELL 2000 ETF 464287655 18,133 82,894 SH   SOLE 0 0 0 82,894
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,151 2,681 SH   SOLE 0 0 0 2,681
INVESCO QQQ TR UNIT SER 1 46090E103 648 1,809 SH   SOLE 0 0 0 1,809
AT&T INC COM 00206R102 384 14,212 SH   SOLE 0 0 0 14,212
SPDR SER TR S&P 600 SMCP VAL 78464A300 693 8,460 SH   SOLE 0 0 0 8,460
ISHARES INC MSCI GERMANY ETF 464286806 833 25,309 SH   SOLE 0 0 0 25,309
ISHARES TR GLOBAL ENERG ETF 464287341 608 22,643 SH   SOLE 0 0 0 22,643
ISHARES TR GLOBAL FINLS ETF 464287333 3,184 40,586 SH   SOLE 0 0 0 40,586
ISHARES TR GLOBAL TECH ETF 464287291 4,316 76,181 SH   SOLE 0 0 0 76,181
ISHARES TR U.S. ENERGY ETF 464287796 2,451 86,740 SH   SOLE 0 0 0 86,740
ISHARES INC MSCI MEXICO ETF 464286822 500 10,351 SH   SOLE 0 0 0 10,351
ISHARES TR MSCI UK ETF NEW 46435G334 1,955 60,626 SH   SOLE 0 0 0 60,626
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 475 3,090 SH   SOLE 0 0 0 3,090
ISHARES TR 1 3 YR TREAS BD 464287457 650 7,543 SH   SOLE 0 0 0 7,543
ISHARES TR 20 YR TR BD ETF 464287432 418 2,896 SH   SOLE 0 0 0 2,896
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,275 46,271 SH   SOLE 0 0 0 46,271
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 974 5,432 SH   SOLE 0 0 0 5,432
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,071 21,419 SH   SOLE 0 0 0 21,419
ISHARES TR CORE US AGGBD ET 464287226 650 5,662 SH   SOLE 0 0 0 5,662
ISHARES TR TIPS BD ETF 464287176 1,793 14,043 SH   SOLE 0 0 0 14,043
VANGUARD INDEX FDS VALUE ETF 922908744 1,894 13,993 SH   SOLE 0 0 0 13,993
VANGUARD INDEX FDS MID CAP ETF 922908629 1,955 8,259 SH   SOLE 0 0 0 8,259
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 964 10,409 SH   SOLE 0 0 0 10,409
ISHARES TR EAFE VALUE ETF 464288877 12,885 253,396 SH   SOLE 0 0 0 253,396
ISHARES TR EAFE GRWTH ETF 464288885 9,713 91,224 SH   SOLE 0 0 0 91,224
ISHARES TR U.S. MED DVC ETF 464288810 324 5,154 SH   SOLE 0 0 0 5,154
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 208 1,493 SH   SOLE 0 0 0 1,493
ISHARES TR ISHS 1-5YR INVS 464288646 1,089 19,935 SH   SOLE 0 0 0 19,935
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 373 4,554 SH   SOLE 0 0 0 4,554
ISHARES TR 10-20 YR TRS ETF 464288653 635 4,316 SH   SOLE 0 0 0 4,316
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,282 38,412 SH   SOLE 0 0 0 38,412
ISHARES TR MBS ETF 464288588 242 2,235 SH   SOLE 0 0 0 2,235
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 276 2,669 SH   SOLE 0 0 0 2,669
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,886 57,152 SH   SOLE 0 0 0 57,152
ISHARES TR NATIONAL MUN ETF 464288414 2,973 25,596 SH   SOLE 0 0 0 25,596
VANECK ETF TRUST VANECK SHRT MUNI 92189F528 1,690 93,896 SH   SOLE 0 0 0 93,896
ISHARES TR SHRT NAT MUN ETF 464288158 923 8,578 SH   SOLE 0 0 0 8,578
PIMCO ETF TR INTER MUN BD ACT 72201R866 725 12,867 SH   SOLE 0 0 0 12,867
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 786 11,631 SH   SOLE 0 0 0 11,631
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 218 4,094 SH   SOLE 0 0 0 4,094
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 2,382 46,440 SH   SOLE 0 0 0 46,440
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 356 11,887 SH   SOLE 0 0 0 11,887
DBX ETF TR XTRACK MSCI EAFE 233051200 756 20,024 SH   SOLE 0 0 0 20,024
ISHARES TR US TREAS BD ETF 46429B267 3,380 127,386 SH   SOLE 0 0 0 127,386
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 591 8,074 SH   SOLE 0 0 0 8,074
ISHARES TR CORE MSCI EAFE 46432F842 718 9,671 SH   SOLE 0 0 0 9,671
ISHARES TR MSCI USA VALUE 46432F388 5,409 53,710 SH   SOLE 0 0 0 53,710
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 564 15,711 SH   SOLE 0 0 0 15,711
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,313 40,753 SH   SOLE 0 0 0 40,753
SPDR SER TR PORTFOLIO S&P600 78468R853 431 10,126 SH   SOLE 0 0 0 10,126
ISHARES TR CORE TOTAL USD 46434V613 4,496 84,442 SH   SOLE 0 0 0 84,442
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,721 48,032 SH   SOLE 0 0 0 48,032
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 402 7,331 SH   SOLE 0 0 0 7,331
ISHARES INC ESG AWR MSCI EM 46434G863 4,523 109,146 SH   SOLE 0 0 0 109,146
ISHARES TR FALN ANGLS USD 46435G474 465 15,457 SH   SOLE 0 0 0 15,457
ISHARES TR ESG AWR MSCI USA 46435G425 20,881 212,075 SH   SOLE 0 0 0 212,075
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827 1,060 39,706 SH   SOLE 0 0 0 39,706
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 1,567 57,115 SH   SOLE 0 0 0 57,115
J P MORGAN EXCHANGE-TRADED F BETABULDRS JAPAN 46641Q217 1,774 30,199 SH   SOLE 0 0 0 30,199
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 893 21,361 SH   SOLE 0 0 0 21,361