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
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   7,624,325 146,540 SH   SOLE   146,540 0 0
APPLE INC COM 037833100   458,619 3,354 SH   SOLE   3,354 0 0
AVALONBAY CMNTYS INC COM 053484101   256,799 1,322 SH   SOLE   1,322 0 0
BROADSTONE NET LEASE INC COM 11135E203   5,414,209 263,979 SH   SOLE   263,979 0 0
DBX ETF TR XTRACKERS FTSE 233051515   6,667,955 262,211 SH   SOLE   262,211 0 0
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   9,443,297 442,101 SH   SOLE   442,101 0 0
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   20,318,406 903,038 SH   SOLE   903,038 0 0
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   6,293,683 142,325 SH   SOLE   142,325 0 0
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782   16,811,358 390,770 SH   SOLE   390,770 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   52,789,167 704,416 SH   SOLE   704,416 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602   4,602,210 87,656 SH   SOLE   87,656 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   22,175,737 798,553 SH   SOLE   798,553 0 0
INDEPENDENCE RLTY TR INC COM 45378A106   345,049 16,645 SH   SOLE   16,645 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   565,166 3,337 SH   SOLE   3,337 0 0
ISHARES TR INTRM GOV CR ETF 464288612   416,747 3,949 SH   SOLE   3,949 0 0
ISHARES TR MSCI ACWI ETF 464288257   272,872 3,253 SH   SOLE   3,253 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   628,822 11,028 SH   SOLE   11,028 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   410,792 1,890 SH   SOLE   1,890 0 0
ISHARES TR RESIDENTIAL MULT 464288562   2,263,017 28,290 SH   SOLE   28,290 0 0
ISHARES TR MSCI USA MMENTM 46432F396   12,238,173 89,741 SH   SOLE   89,741 0 0
ISHARES TR S&P 100 ETF 464287101   277,677 1,610 SH   SOLE   1,610 0 0
ISHARES TR CORE S&P SCP ETF 464287804   339,891 3,678 SH   SOLE   3,678 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   16,848,137 141,176 SH   SOLE   141,176 0 0
ISHARES TR CORE S&P US VLU 464287663   10,588,118 158,317 SH   SOLE   158,317 0 0
ISHARES TR NEW YORK MUN ETF 464288323   12,619,056 239,906 SH   SOLE   239,906 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   18,799,105 267,751 SH   SOLE   267,751 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   12,728,774 313,900 SH   SOLE   313,900 0 0
ISHARES TR MSCI INTL VLU FT 46435G409   8,393,701 378,434 SH   SOLE   378,434 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   900,246 6,210 SH   SOLE   6,210 0 0
MICROSOFT CORP COM 594918104   346,140 1,348 SH   SOLE   1,348 0 0
MID-AMER APT CMNTYS INC COM 59522J103   296,790 1,699 SH   SOLE   1,699 0 0
PFIZER INC COM 717081103   200,649 3,827 SH   SOLE   3,827 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   19,870,062 403,945 SH   SOLE   403,945 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   6,613,778 217,481 SH   SOLE   217,481 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,249,022 3,309 SH   SOLE   3,309 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   433,173 1,043 SH   SOLE   1,043 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   12,271,637 169,464 SH   SOLE   169,464 0 0
SPDR SER TR BLOOMBERG INVT 78468R200   816,391 27,114 SH   SOLE   27,114 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   15,542,421 476,322 SH   SOLE   476,322 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   3,820,690 115,534 SH   SOLE   115,534 0 0
UNITEDHEALTH GROUP INC COM 91324P102   341,565 665 SH   SOLE   665 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   283,562 1,501 SH   SOLE   1,501 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,878,859 37,638 SH   SOLE   37,638 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   298,652 5,074 SH   SOLE   5,074 0 0