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   317,032 1,266 SH   SOLE   0 0 1,266
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   328,628 725 SH   SOLE   0 0 725
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   15,082,356 294,290 SH   SOLE   0 0 294,290
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   4,324,319 83,128 SH   SOLE   0 0 83,128
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   5,542,665 187,252 SH   SOLE   0 0 187,252
INVESCO QQQ TR UNIT SER 1 46090E103   243,541 476 SH   SOLE   0 0 476
ISHARES GOLD TR ISHARES NEW 464285204   1,706,412 34,466 SH   SOLE   0 0 34,466
ISHARES INC MSCI EMRG CHN 46434G764   1,459,610 26,323 SH   SOLE   0 0 26,323
ISHARES TR 10-20 YR TRS ETF 464288653   858,035 8,620 SH   SOLE   0 0 8,620
ISHARES TR 20 YR TR BD ETF 464287432   4,918,091 56,316 SH   SOLE   0 0 56,316
ISHARES TR CORE S&P500 ETF 464287200   42,401,545 72,028 SH   SOLE   0 0 72,028
ISHARES TR CORE TOTAL USD 46434V613   31,767,639 702,824 SH   SOLE   0 0 702,824
ISHARES TR CUR HD EURZN ETF 46434V639   230,415 6,429 SH   SOLE   0 0 6,429
ISHARES TR EAFE GRWTH ETF 464288885   13,084,155 135,125 SH   SOLE   0 0 135,125
ISHARES TR EAFE VALUE ETF 464288877   11,397,594 217,221 SH   SOLE   0 0 217,221
ISHARES TR ESG AWR MSCI USA 46435G425   3,221,230 25,006 SH   SOLE   0 0 25,006
ISHARES TR EUROPE ETF 464287861   377,904 7,259 SH   SOLE   0 0 7,259
ISHARES TR HIGH YLD SYSTM B 46435G250   376,785 8,015 SH   SOLE   0 0 8,015
ISHARES TR JPMORGAN USD EMG 464288281   1,749,636 19,650 SH   SOLE   0 0 19,650
ISHARES TR MBS ETF 464288588   447,032 4,876 SH   SOLE   0 0 4,876
ISHARES TR MSCI ACWI ETF 464288257   460,130 3,916 SH   SOLE   0 0 3,916
ISHARES TR MSCI INTL VLU FT 46435G409   1,975,750 72,879 SH   SOLE   0 0 72,879
ISHARES TR MSCI USA MIN VOL 46429B697   697,179 7,852 SH   SOLE   0 0 7,852
ISHARES TR MSCI USA MMENTM 46432F396   3,979,349 19,231 SH   SOLE   0 0 19,231
ISHARES TR MSCI USA QLT FCT 46432F339   15,320,893 86,034 SH   SOLE   0 0 86,034
ISHARES TR MSCI USA VALUE 46432F388   269,834 2,555 SH   SOLE   0 0 2,555
ISHARES TR NATIONAL MUN ETF 464288414   4,259,123 39,973 SH   SOLE   0 0 39,973
ISHARES TR RUS 1000 ETF 464287622   710,363 2,205 SH   SOLE   0 0 2,205
ISHARES TR S&P 100 ETF 464287101   3,443,092 11,920 SH   SOLE   0 0 11,920
ISHARES TR S&P 500 GRWT ETF 464287309   17,145,639 168,873 SH   SOLE   0 0 168,873
ISHARES TR S&P 500 VAL ETF 464287408   7,031,257 36,836 SH   SOLE   0 0 36,836
ISHARES TR U.S. ENERGY ETF 464287796   257,471 5,650 SH   SOLE   0 0 5,650
ISHARES TR U.S. TECH ETF 464287721   7,511,440 47,088 SH   SOLE   0 0 47,088
ISHARES TR US INFRASTRUC 46435U713   1,636,093 35,344 SH   SOLE   0 0 35,344
ISHARES TR US TREAS BD ETF 46429B267   492,301 21,423 SH   SOLE   0 0 21,423
ISHARES U S ETF TR SHORT DURATION B 46431W507   306,434 6,068 SH   SOLE   0 0 6,068
MICROSOFT CORP COM 594918104   309,381 734 SH   SOLE   0 0 734
QUALCOMM INC COM 747525103   245,792 1,600 SH   SOLE   0 0 1,600
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   306,995 13,524 SH   SOLE   0 0 13,524
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,999,288 78,168 SH   SOLE   0 0 78,168
SPDR S&P 500 ETF TR TR UNIT 78462F103   972,307 1,659 SH   SOLE   0 0 1,659
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   348,793 7,566 SH   SOLE   0 0 7,566
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   322,660 4,487 SH   SOLE   0 0 4,487
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,605,974 151,725 SH   SOLE   0 0 151,725
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   6,859,227 151,284 SH   SOLE   0 0 151,284