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
ABRDN ETFS BBRG ALL COMD K1 003261104   1,229,578 55,738 SH   SOLE   0 0 55,738
APPLE INC COM 037833100   366,062 2,047 SH   SOLE   0 0 2,047
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   521,701 25,899 SH   SOLE   0 0 25,899
DBX ETF TR XTRACK USD HIGH 233051432   663,817 19,692 SH   SOLE   0 0 19,692
DBX ETF TR XTRCKR MSCI US 233051150   4,424,114 126,964 SH   SOLE   0 0 126,964
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   3,317,488 111,140 SH   SOLE   0 0 111,140
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   81,071,872 2,863,727 SH   SOLE   0 0 2,863,727
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   112,861,076 3,921,520 SH   SOLE   0 0 3,921,520
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   147,179,384 1,933,267 SH   SOLE   0 0 1,933,267
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   63,155,997 4,272,604 SH   SOLE   0 0 4,272,604
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   3,201,266 159,386 SH   SOLE   0 0 159,386
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   1,818,976 103,234 SH   SOLE   0 0 103,234
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   1,415,249 43,916 SH   SOLE   0 0 43,916
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,450,147 9,347 SH   SOLE   0 0 9,347
ISHARES INC CORE MSCI EMKT 46434G103   54,953,327 1,168,313 SH   SOLE   0 0 1,168,313
ISHARES INC ESG AWR MSCI EM 46434G863   3,079,201 104,725 SH   SOLE   0 0 104,725
ISHARES INC MSCI EMERG MRKT 464286533   2,985,093 62,252 SH   SOLE   0 0 62,252
ISHARES TR 0-5YR HI YL CP 46434V407   1,492,538 62,423 SH   SOLE   0 0 62,423
ISHARES TR 1 3 YR TREAS BD 464287457   4,487,604 52,146 SH   SOLE   0 0 52,146
ISHARES TR 10-20 YR TRS ETF 464288653   1,540,641 17,232 SH   SOLE   0 0 17,232
ISHARES TR 20 YR TR BD ETF 464287432   266,401 2,592 SH   SOLE   0 0 2,592
ISHARES TR BROAD USD HIGH 46435U853   57,963,854 1,678,659 SH   SOLE   0 0 1,678,659
ISHARES TR CONV BD ETF 46435G102   1,167,901 10,838 SH   SOLE   0 0 10,838
ISHARES TR CORE DIV GRWTH 46434V621   242,689 4,038 SH   SOLE   0 0 4,038
ISHARES TR CORE HIGH DV ETF 46429B663   2,890,491 36,209 SH   SOLE   0 0 36,209
ISHARES TR CORE MSCI EAFE 46432F842   61,648,851 981,257 SH   SOLE   0 0 981,257
ISHARES TR CORE S&P MCP ETF 464287507   2,218,519 9,144 SH   SOLE   0 0 9,144
ISHARES TR CORE S&P SCP ETF 464287804   69,831,700 722,800 SH   SOLE   0 0 722,800
ISHARES TR CORE S&P TTL STK 464287150   315,562,317 3,677,355 SH   SOLE   0 0 3,677,355
ISHARES TR CORE S&P500 ETF 464287200   28,774,993 75,086 SH   SOLE   0 0 75,086
ISHARES TR CORE TOTAL USD 46434V613   133,105,810 3,013,742 SH   SOLE   0 0 3,013,742
ISHARES TR CORE US AGGBD ET 464287226   229,291,487 2,348,296 SH   SOLE   0 0 2,348,296
ISHARES TR CRE U S REIT ETF 464288521   2,655,625 43,427 SH   SOLE   0 0 43,427
ISHARES TR EAFE GRWTH ETF 464288885   5,544,314 46,589 SH   SOLE   0 0 46,589
ISHARES TR EAFE VALUE ETF 464288877   6,170,337 116,886 SH   SOLE   0 0 116,886
ISHARES TR ESG ADV TTL USD 46436E619   7,851,907 172,075 SH   SOLE   0 0 172,075
ISHARES TR ESG ADVNCD HY BD 46435G441   2,114,697 48,929 SH   SOLE   0 0 48,929
ISHARES TR ESG AW MSCI EAFE 46435G516   1,215,588 11,181 SH   SOLE   0 0 11,181
ISHARES TR ESG AWARE MSCI 46435U663   4,236,584 117,816 SH   SOLE   0 0 117,816
ISHARES TR ESG AWR MSCI USA 46435G425   16,330,968 125,316 SH   SOLE   0 0 125,316
ISHARES TR ESG AWR US AGRGT 46435U549   6,900,832 147,628 SH   SOLE   0 0 147,628
ISHARES TR ESG AWRE 1 5 YR 46435G243   276,135 8,193 SH   SOLE   0 0 8,193
ISHARES TR ESG AWRE USD ETF 46435G193   405,373 33,612 SH   SOLE   0 0 33,612
ISHARES TR ESG EAFE ETF 46436E759   3,825,703 69,126 SH   SOLE   0 0 69,126
ISHARES TR ESG MSCI USA ETF 46436E767   8,117,721 248,211 SH   SOLE   0 0 248,211
ISHARES TR FALN ANGLS USD 46435G474   3,800,036 24,160 SH   SOLE   0 0 24,160
ISHARES TR IBOXX HI YD ETF 464288513   679,613 9,168 SH   SOLE   0 0 9,168
ISHARES TR INTL EQTY FACTOR 46434V274   3,298,302 134,073 SH   SOLE   0 0 134,073
ISHARES TR ISHS 1-5YR INVS 464288646   747,423 4,311 SH   SOLE   0 0 4,311
ISHARES TR JPMORGAN USD EMG 464288281   69,226,176 810,686 SH   SOLE   0 0 810,686
ISHARES TR MBS ETF 464288588   3,392,872 56,867 SH   SOLE   0 0 56,867
ISHARES TR MSCI KLD400 SOC 464288570   706,088 22,626 SH   SOLE   0 0 22,626
ISHARES TR MSCI USA MIN VOL 46429B697   1,303,228 18,334 SH   SOLE   0 0 18,334
ISHARES TR MSCI USA MMENTM 46432F396   760,665 9,412 SH   SOLE   0 0 9,412
ISHARES TR NATIONAL MUN ETF 464288414   1,895,941 19,262 SH   SOLE   0 0 19,262
ISHARES TR RUS 1000 ETF 464287622   4,105,754 19,356 SH   SOLE   0 0 19,356
ISHARES TR RUSSELL 2000 ETF 464287655   947,574 5,435 SH   SOLE   0 0 5,435
ISHARES TR SHRT NAT MUN ETF 464288158   534,825 5,619 SH   SOLE   0 0 5,619
ISHARES TR TIPS BD ETF 464287176   6,095,544 37,775 SH   SOLE   0 0 37,775
ISHARES TR U S EQUITY FACTR 46434V282   78,425,690 2,010,406 SH   SOLE   0 0 2,010,406
ISHARES TR U.S. ENERGY ETF 464287796   410,507 3,905 SH   SOLE   0 0 3,905
ISHARES TR U.S. TECH ETF 464287721   1,596,887 21,477 SH   SOLE   0 0 21,477
ISHARES TR US INFRASTRUC 46435U713   604,466 13,857 SH   SOLE   0 0 13,857
ISHARES TR US TREAS BD ETF 46429B267   7,559,833 203,854 SH   SOLE   0 0 203,854
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   1,780,541 21,562 SH   SOLE   0 0 21,562
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   859,196 16,771 SH   SOLE   0 0 16,771
JOHN HANCOCK EXCHANGE TRADED MULTFCTR EMRNG 47804J834   286,291 11,038 SH   SOLE   0 0 11,038
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859   287,772 9,588 SH   SOLE   0 0 9,588
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   281,429 5,755 SH   SOLE   0 0 5,755
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   7,097,064 266,769 SH   SOLE   0 0 266,769
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,316,356 211,772 SH   SOLE   0 0 211,772
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,589,261 33,900 SH   SOLE   0 0 33,900
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   5,638,471 136,365 SH   SOLE   0 0 136,365
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   11,336,992 213,170 SH   SOLE   0 0 213,170
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,805,849 44,334 SH   SOLE   0 0 44,334
SCHWAB STRATEGIC TR US REIT ETF 808524847   768,890 35,968 SH   SOLE   0 0 35,968
SCHWAB STRATEGIC TR US TIPS ETF 808524870   950,878 15,832 SH   SOLE   0 0 15,832
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   20,723,484 624,597 SH   SOLE   0 0 624,597
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   20,608,683 549,532 SH   SOLE   0 0 549,532
SPDR SER TR PORTFLI TIPS ETF 78464A656   3,192,155 114,827 SH   SOLE   0 0 114,827
SPDR SER TR PORTFOLI S&P1500 78464A805   34,316,734 625,399 SH   SOLE   0 0 625,399
SPDR SER TR PORTFOLIO AGRGTE 78464A649   17,600,604 608,089 SH   SOLE   0 0 608,089
SPDR SER TR PORTFOLIO S&P500 78464A854   920,876 20,473 SH   SOLE   0 0 20,473
SPDR SER TR PORTFOLIO SH TSR 78468R101   5,289,913 176,161 SH   SOLE   0 0 176,161
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,196,183 267,900 SH   SOLE   0 0 267,900
SPDR SER TR S&P 400 MDCP VAL 78464A839   1,753,908 58,256 SH   SOLE   0 0 58,256
VANGUARD BD INDEX FDS INTERMED TERM 921937819   8,069,258 99,743 SH   SOLE   0 0 99,743
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   6,305,396 66,743 SH   SOLE   0 0 66,743
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   10,690,099 134,494 SH   SOLE   0 0 134,494
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,753,505 77,784 SH   SOLE   0 0 77,784
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   12,382,299 229,005 SH   SOLE   0 0 229,005
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   85,024,241 631,716 SH   SOLE   0 0 631,716
VANGUARD INDEX FDS GROWTH ETF 922908736   2,078,202 7,351 SH   SOLE   0 0 7,351
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,696,616 15,480 SH   SOLE   0 0 15,480
VANGUARD INDEX FDS MID CAP ETF 922908629   808,647 3,968 SH   SOLE   0 0 3,968
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   275,352 2,649 SH   SOLE   0 0 2,649
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   25,297,121 62,769 SH   SOLE   0 0 62,769
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,274,585 12,110 SH   SOLE   0 0 12,110
VANGUARD INDEX FDS TOTAL STK MKT 922908769   10,809,548 47,684 SH   SOLE   0 0 47,684
VANGUARD INDEX FDS VALUE ETF 922908744   1,483,586 10,791 SH   SOLE   0 0 10,791
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   11,369,841 260,645 SH   SOLE   0 0 260,645
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   5,920,308 116,473 SH   SOLE   0 0 116,473
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   6,048,794 115,073 SH   SOLE   0 0 115,073
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   281,410 4,867 SH   SOLE   0 0 4,867
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   23,237,393 508,187 SH   SOLE   0 0 508,187
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,303,926 21,383 SH   SOLE   0 0 21,383