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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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
APPLE INC COM 037833100   1,953,000 15,030 SH   SOLE   15,030 0 0
ISHARES TR CORE S&P SCP ETF 464287804   647,000 6,837 SH   SOLE   6,837 0 0
ISHARES TR CORE S&P500 ETF 464287200   6,128,000 15,973 SH   SOLE   15,973 0 0
ISHARES TR CONV BD ETF 46435G102   252,000 3,628 SH   SOLE   3,628 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   17,127,000 164,969 SH   SOLE   164,969 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   3,073,000 36,321 SH   SOLE   36,321 0 0
ISHARES TR CORE TOTAL USD 46434V613   3,611,000 80,459 SH   SOLE   80,459 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   12,194,000 126,175 SH   SOLE   126,175 0 0
ISHARES TR EAFE VALUE ETF 464288877   1,796,000 39,198 SH   SOLE   39,198 0 0
ISHARES TR FALN ANGLS USD 46435G474   134,000 5,461 SH   SOLE   5,461 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   46,000 1,214 SH   SOLE   1,214 0 0
ISHARES TR CORE MSCI INTL 46435G326   272,000 4,850 SH   SOLE   4,850 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   575,000 14,081 SH   SOLE   14,081 0 0
ISHARES TR U.S. TECH ETF 464287721   531,000 7,145 SH   SOLE   7,145 0 0
ISHARES TR US INFRASTRUC 46435U713   283,000 7,816 SH   SOLE   7,816 0 0
ISHARES TR TIPS BD ETF 464287176   204,000 1,926 SH   SOLE   1,926 0 0
ISHARES TR CORE US AGGBD ET 464287226   467,000 4,814 SH   SOLE   4,814 0 0
ISHARES TR US TREAS BD ETF 46429B267   808,000 35,587 SH   SOLE   35,587 0 0
ISHARES TR EAFE GRWTH ETF 464288885   2,374,000 28,363 SH   SOLE   28,363 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   605,000 5,601 SH   SOLE   5,601 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,153,000 5,383 SH   SOLE   5,383 0 0
ISHARES TR MBS ETF 464288588   1,302,000 14,060 SH   SOLE   14,060 0 0
ISHARES TR MSCI USA MMENTM 46432F396   500,000 3,432 SH   SOLE   3,432 0 0
ISHARES TR HDG MSCI EAFE 46434V803   71,000 2,641 SH   SOLE   2,641 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   519,000 7,207 SH   SOLE   7,207 0 0
ISHARES TR SP SMCP600VL ETF 464287879   326,000 3,574 SH   SOLE   3,574 0 0
ISHARES TR INTRM GOV CR ETF 464288612   171,000 1,668 SH   SOLE   1,668 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,230,000 37,963 SH   SOLE   37,963 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   1,215,000 8,014 SH   SOLE   8,014 0 0
ISHARES TR CORE S&P MCP ETF 464287507   238,000 983 SH   SOLE   983 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   462,000 4,617 SH   SOLE   4,617 0 0
ISHARES TR IBONDS 24 TRM TS 46436E874   57,000 2,375 SH   SOLE   2,375 0 0
ISHARES TR CORE MSCI EAFE 46432F842   231,000 3,755 SH   SOLE   3,755 0 0
ISHARES TR RUS 1000 ETF 464287622   647,000 3,071 SH   SOLE   3,071 0 0
ISHARES TR MSCI ACWI EX US 464288240   323,000 7,089 SH   SOLE   7,089 0 0
ISHARES TR COHEN STEER REIT 464287564   38,000 686 SH   SOLE   686 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   535,000 5,075 SH   SOLE   5,075 0 0
VICTORY PORTFOLIOS II VCSHS US EQ INCM 92647N824   12,383,000 200,527 SH   SOLE   200,527 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   13,712,000 247,953 SH   SOLE   247,953 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,453,000 28,050 SH   SOLE   28,050 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,579,000 47,376 SH   SOLE   47,376 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   267,000 5,909 SH   SOLE   5,909 0 0
MCDONALDS CORP COM 580135101   207,000 786 SH   SOLE   786 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   12,140,000 204,929 SH   SOLE   204,929 0 0
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   216,000 7,680 SH   SOLE   7,680 0 0
ISHARES INC MSCI EMERG MRKT 464286533   1,107,000 20,891 SH   SOLE   20,891 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   8,155,000 109,919 SH   SOLE   109,919 0 0
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   250,000 5,119 SH   SOLE   5,119 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   4,584,000 25,684 SH   SOLE   25,684 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   15,735,000 313,016 SH   SOLE   313,016 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   9,152,000 184,935 SH   SOLE   184,935 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   431,000 9,580 SH   SOLE   9,580 0 0
JOHNSON &JOHNSON COM 478160104   218,000 1,232 SH   SOLE   1,232 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,043,000 26,749 SH   SOLE   26,749 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   218,000 817 SH   SOLE   817 0 0
HOME DEPOT INC COM 437076102   222,000 702 SH   SOLE   702 0 0
AMAZON COM INC COM 023135106   247,000 2,940 SH   SOLE   2,940 0 0
COCA COLA CO COM 191216100   349,000 5,479 SH   SOLE   5,479 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   324,000 846 SH   SOLE   846 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   937,000 2 SH   SOLE   2 0 0
SHARECARE INC COM CL A 81948W104   242,000 151,332 SH   SOLE   151,332 0 0