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
SPDR S&P 500 ETF IV ETF 78462F103 15,076 39,796 SH   SOLE   0 0 39,796
iShares Core S&P 500 ETF IV ETF 464287200 15,037 39,660 SH   SOLE   0 0 39,660
Vanguard Total World Stock Et ETF IV ETF 922042742 14,170 166,043 SH   SOLE   0 0 166,043
iShares Core MSCI EAFE ETF IV ETF 46432F842 8,314 141,281 SH   SOLE   0 0 141,281
Vanguard FTSE All World Ex US ETF IV ETF 922042775 3,538 70,824 SH   SOLE   0 0 70,824
Schwab US Dividend Equity ETF ETF 808524797 3,437 47,985 SH   SOLE   0 0 47,985
SPDR Gold Shares ETF ETF 78463V107 3,319 19,700 SH   SOLE   0 0 19,700
iShares MSCI Frontier Select ETF IV ETF 464286145 3,254 121,331 SH   SOLE   0 0 121,331
iShares Core MSCI Emerging ETF IV ETF 46434G103 3,107 63,339 SH   SOLE   0 0 63,339
Wisdomtree US High Dividend ETF ETF 97717W208 3,103 37,711 SH   SOLE   0 0 37,711
Vanguard Utilities ETF IV ETF 92204A876 2,688 17,644 SH   SOLE   0 0 17,644
iShares Core S&P Mid Cap ETF IV ETF 464287507 2,397 10,596 SH   SOLE   0 0 10,596
iShares Russell Mid Cap ETF IV ETF 464287499 2,327 35,990 SH   SOLE   0 0 35,990
iShares Core S&P Small Cap ETF IV ETF 464287804 2,216 23,977 SH   SOLE   0 0 23,977
iShares Russell 2000 ETF IV ETF 464287655 2,091 12,347 SH   SOLE   0 0 12,347
Vanguard Small Cap ETF IV ETF 922908751 1,920 10,901 SH   SOLE   0 0 10,901
SPDR Dow Jone Global Real Est ETF IV ETF 78463X749 1,643 37,229 SH   SOLE   0 0 37,229
iShares Russell 1000 Growth ETF IV ETF 464287614 1,630 7,452 SH   SOLE   0 0 7,452
Vaneck Vectors Morningstar Wide Moat ETF 92189F643 1,510 23,696 SH   SOLE   0 0 23,696
Vanguard Esg US Stock ETF ETF 921910733 1,375 20,708 SH   SOLE   0 0 20,708
iShares MSCI China ETF ETF 46429B671 1,200 21,501 SH   SOLE   0 0 21,501
iShares Russell 1000 Value ETF ETF 464287598 1,179 8,132 SH   SOLE   0 0 8,132
Vanguard Esg Internatnl Stock ETF ETF 921910725 1,108 22,597 SH   SOLE   0 0 22,597
Invesco S&P 500 Equal Weight ETF ETF 46137V357 939 6,995 SH   SOLE   0 0 6,995
Vanguard High Dividend Yield ETF IV ETF 921946406 782 7,694 SH   SOLE   0 0 7,694
iShares North Amer Natl Res ETF IV ETF 464287374 682 18,947 SH   SOLE   0 0 18,947
Vanguard Mid Cap ETF IV ETF 922908629 675 3,428 SH   SOLE   0 0 3,428
Wisdomtree Europe Hedged Eqty ETF ETF 97717X701 630 9,611 SH   SOLE   0 0 9,611
Wisdomtree Japan Hedged Equity ETF ETF 97717W851 625 10,012 SH   SOLE   0 0 10,012
First Trust Senior Loan ETF ETF 33738D309 593 13,455 SH   SOLE   0 0 13,455
iShares Floating Rate Bond ETF ETF 46429B655 591 11,840 SH   SOLE   0 0 11,840
Invesco Preferred ETF ETF 46138E511 583 47,240 SH   SOLE   0 0 47,240
iShares MSCI EAFE ETF IV ETF 464287465 435 6,954 SH   SOLE   0 0 6,954
iShares Short Treasury Bond ETF ETF 464288679 337 3,063 SH   SOLE   0 0 3,063
iShares ESG Advanced TTL USD Bond ETF ETF 46436E619 326 7,419 SH   SOLE   0 0 7,419
Vanguard Total Stock Market E ETF IV ETF 922908769 321 1,702 SH   SOLE   0 0 1,702
Vanguard FTSE Emerging Mark ETF IV ETF 922042858 318 7,631 SH   SOLE   0 0 7,631
iShares iBoxx High Yield Bond ETF IV ETF 464288513 307 4,171 SH   SOLE   0 0 4,171
Vanguard Esg US Bond ETF ETF 921910691 302 4,796 SH   SOLE   0 0 4,796
iShares ESG Aware MSCI EM ETF ETF 46434G863 235 7,280 SH   SOLE   0 0 7,280
iShares ESG Aware MSCI USA ETF ETF 46435G425 228 2,712 SH   SOLE   0 0 2,712