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
ISHARES TR TIPS BD ETF 464287176   2,189 20,381 SH   SOLE   2,189 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,509,119 28,892,340 SH   SOLE   7,509,119 0 0
ISHARES TR S&P 500 VAL ETF 464287408   83,416 446,531 SH   SOLE   83,416 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   587 3,275 SH   SOLE   587 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   247,986 1,978,662 SH   SOLE   247,986 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   148,170 933,000 SH   SOLE   148,170 0 0
VANGUARD TAX MANAGED INTL FD VAN FTSE DEV MKT 921943858   5,980,590 119,206,500 SH   SOLE   5,980,590 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,665,936 63,824,180 SH   SOLE   2,665,936 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,181 6,081 SH   SOLE   3,181 0 0
ISHARES TR SHORT TREAS BD 464288679   193,810 1,753,306 SH   SOLE   193,810 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835   100,998 1,390,586 SH   SOLE   100,998 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   281 2,790 SH   SOLE   281 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,698 31,193 SH   SOLE   2,698 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,726,103 17,624,085 SH   SOLE   1,726,103 0 0
VANGUARD WHITEHALL FDS INC EM MK GOV BD ETF 921946885   134,634 2,108,594 SH   SOLE   134,634 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,144,124 23,259,278 SH   SOLE   1,144,124 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   160,109 3,343,267 SH   SOLE   160,109 0 0
ISHARES TR IBOXX INV CP ETF 464287242   14,830 136,153 SH   SOLE   14,830 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,444,538 13,425,077 SH   SOLE   1,444,538 0 0
ISHARES TR CALIF MUN BD ETF 464288356   9,395 163,274 SH   SOLE   9,395 0 0
ISHARES TR NEW YORK MUN ETF 464288323   7,133 132,552 SH   SOLE   7,133 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,250 27,181 SH   SOLE   1,250 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,294 40,914 SH   SOLE   3,294 0 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   285 8,719 SH   SOLE   285 0 0
SPDR SERIES TRUST NUVEEN BLMBRG MU 78468R721   327,008 7,035,459 SH   SOLE   327,008 0 0
ISHARES TR JPMORGAN USD EMG 464288281   784,514 8,748,905 SH   SOLE   784,514 0 0
Invesco EMRNG MKT SVRG 46138E784   2,662 130,126 SH   SOLE   2,662 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   385,611 6,316,312 SH   SOLE   385,611 0 0
ISHARES TR CORE S&P TTL STK 464287150   1,463,550 12,693,409 SH   SOLE   1,463,550 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   1,058,594 6,500,026 SH   SOLE   1,058,594 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   129,304 1,701,812 SH   SOLE   129,304 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   844,129 5,414,204 SH   SOLE   844,129 0 0
ISHARES TR S&P MC 400VL ETF 464287705   3,319 28,061 SH   SOLE   3,319 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   817,717 4,261,605 SH   SOLE   817,717 0 0
ISHARES TR SP SMCP600VL ETF 464287879   406 3,948 SH   SOLE   406 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   512,366 13,130,843 SH   SOLE   512,366 0 0
ISHARES TR CORE MSCI EAFE 46432F842   864,508 11,647,915 SH   SOLE   864,508 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,022 80,077 SH   SOLE   2,022 0 0
ISHARES INC CORE MSCI EMKT 46434G103   487,115 9,440,217 SH   SOLE   487,115 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844   14,927 81,741 SH   SOLE   14,927 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   993 19,042 SH   SOLE   993 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,302 102,085 SH   SOLE   4,302 0 0
ISHARES TR CORE S&P500 ETF 464287200   25,579 48,654 SH   SOLE   25,579 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   11,321 557,708 SH   SOLE   11,321 0 0
Invesco UNIT SER 1 46090E103   15,181 34,191 SH   SOLE   15,181 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793   11,513 159,173 SH   SOLE   11,513 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,022 4,859 SH   SOLE   1,022 0 0
ISHARES CORE LT USDB ETF 464289479   782 15,307 SH   SOLE   782 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   5,107 53,952 SH   SOLE   5,107 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,808 19,497 SH   SOLE   1,808 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   31,997 139,977 SH   SOLE   31,997 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,958 7,838 SH   SOLE   1,958 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   107,419 223,463 SH   SOLE   107,419 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,085 34,334 SH   SOLE   2,085 0 0
FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101   1,243 42,100 SH   SOLE   1,243 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   905 3,016 SH   SOLE   905 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,688 20,930 SH   SOLE   1,688 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   69,542 202,039 SH   SOLE   69,542 0 0
ISHARES TR CORE S&P US GWT 464287671   624 5,321 SH   SOLE   624 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,994 18,041 SH   SOLE   1,994 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,599 32,465 SH   SOLE   1,599 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   695 8,228 SH   SOLE   695 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768   1,863 30,890 SH   SOLE   1,863 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,166 12,355 SH   SOLE   1,166 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   1,850 18,225 SH   SOLE   1,850 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   14,710 237,030 SH   SOLE   14,710 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,326 16,286 SH   SOLE   1,326 0 0
DBX ETF TR XTRACK HRVST CSI 233051879   370 15,369 SH   SOLE   370 0 0
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   1,387 15,110 SH   SOLE   1,387 0 0
ISHARES GOLD TRUST ISHARES NEW 464285204   441 10,490 SH   SOLE   441 0 0
SPDR GOLD TRUST GOLD SHS 78463V107   1,003 4,877 SH   SOLE   1,003 0 0
Invesco GBL LISTED PVT 46137V118   737 11,168 SH   SOLE   737 0 0
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   766 24,788 SH   SOLE   766 0 0
WISDOMTREE TR FUTRE STRAT FD 97717W125   3,022 80,589 SH   SOLE   3,022 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,585 19,847 SH   SOLE   1,585 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819   13,114 173,921 SH   SOLE   13,114 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   497 23,388 SH   SOLE   497 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   232 2,268 SH   SOLE   232 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406   2,299 19,004 SH   SOLE   2,299 0 0
ISHARES TR MSCI AC ASIA ETF 464288182   644 9,506 SH   SOLE   644 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775   1,074 11,696 SH   SOLE   1,074 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827   33,668 439,130 SH   SOLE   33,668 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   391 7,578 SH   SOLE   391 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   5,632 109,825 SH   SOLE   5,632 0 0
ISHARES TR EAFE VALUE ETF 464288877   1,458 26,809 SH   SOLE   1,458 0 0
ISHARES TR EAFE SML CP ETF 464288273   256 4,045 SH   SOLE   256 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281   1,097 21,565 SH   SOLE   1,097 0 0
ISHARES TR PFD AND INCM SEC 464288687   206 6,388 SH   SOLE   206 0 0
SPDR SERIES TRUST ICE PFD SEC ETF 78464A292   832 23,849 SH   SOLE   832 0 0
ISHARES TR MBS ETF 464288588   11,563 125,112 SH   SOLE   11,563 0 0
MARKET VECTORS ETF TR HIGH YLD MUNIETF 92189H409   1,282 24,540 SH   SOLE   1,282 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   524 4,987 SH   SOLE   524 0 0
ISHARES TR 20 YR TR BD ETF 464287432   354 3,741 SH   SOLE   354 0 0
VANGUARD BD INDEX FD INC LONG TERM TREAS 92206C847   6,034 101,860 SH   SOLE   6,034 0 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664   592 21,202 SH   SOLE   592 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   649 5,607 SH   SOLE   649 0 0
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672   493 17,493 SH   SOLE   493 0 0
CAMBRIA ETF TR VALUE MOMENTUM 132061888   2,592 86,792 SH   SOLE   2,592 0 0
CAMBRIA ETF TR GLOBAL VALUE ETF 132061409   2,192 102,408 SH   SOLE   2,192 0 0
CAMBRIA ETF TR GLB MOMENT ETF 132061508   11,458 393,594 SH   SOLE   11,458 0 0
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   2,127 29,031 SH   SOLE   2,127 0 0
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300   1,058 39,169 SH   SOLE   1,058 0 0
CAMBRIA ETF TR EMRG SHAREHLDR 132061706   1,045 31,154 SH   SOLE   1,045 0 0
Invesco OPTIMUM YIELD 46090F100   417 30,089 SH   SOLE   417 0 0
WISDOMTREE TR WISDOMTREE US VA 97717W547   237 3,131 SH   SOLE   237 0 0
VANGUARD BD INDEX FD INC TAX EXEMPT BD 922907746   1,526 30,155 SH   SOLE   1,526 0 0
VANECK VECTORS TR JP MRGAN EM LOC 92189H300   915 37,314 SH   SOLE   915 0 0
VANGUARD INDEX FDS 500 GRTH IDX F 921932505   6,246 20,499 SH   SOLE   6,246 0 0
VANGUARD INDEX FDS 500 VAL IDX FD 921932703   6,751 37,408 SH   SOLE   6,751 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   1,809 38,137 SH   SOLE   1,809 0 0
ISHARES TR INTRM GOV CR ETF 464288612   1,699 16,341 SH   SOLE   1,699 0 0
VANGUARD BD INDEX FD INC MTG-BKD SECS ETF 92206C771   10,484 229,861 SH   SOLE   10,484 0 0
ISHARES TR CORE INTL AGGR 46435G672   60,040 1,202,011 SH   SOLE   60,040 0 0
Goldman Sachs ACTIVEBETA US LG 381430503   406,018 3,911,918 SH   SOLE   406,018 0 0
Goldman Sachs ACTIVEBETA INT 381430107   194,687 5,677,668 SH   SOLE   194,687 0 0
Goldman Sachs ACTIVEBETA EME 381430206   44,912 1,433,065 SH   SOLE   44,912 0 0
ISHARES TR IBOXX HI YD ETF 464288513   366 4,703 SH   SOLE   366 0 0
ISHARES TR RUS 1000 ETF 464287622   571 1,982 SH   SOLE   571 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   220 6,784 SH   SOLE   220 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   562 4,812 SH   SOLE   562 0 0
ISHARES TR USD INV GRDE ETF 464288620   551 10,848 SH   SOLE   551 0 0
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622   1,190 12,500 SH   SOLE   1,190 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,406 39,471 SH   SOLE   1,406 0 0
Vanguard SML CP GRW ETF 922908595   4,455 17,088 SH   SOLE   4,455 0 0
Vanguard ALLWRLD EX US 922042775   920 15,679 SH   SOLE   920 0 0
Vanguard INF TECH ETF 92204A702   311 594 SH   SOLE   311 0 0
Vanguard VNG RUS1000IDX 92206C730   262 1,101 SH   SOLE   262 0 0
Vanguard MCAP GR IDXVIP 922908538   17,786 75,433 SH   SOLE   17,786 0 0
Vanguard TT WRLD ST ETF 922042742   2,060 18,638 SH   SOLE   2,060 0 0
Vanguard LARGE CAP ETF 922908637   1,574 6,563 SH   SOLE   1,574 0 0
Vanguard EXTEND MKT ETF 922908652   944 5,384 SH   SOLE   944 0 0
APPLE INC COM 037833100   3,879 22,623 SH   SOLE   3,879 0 0
iShares S&P MC 400GR ETF 464287606   433 4,745 SH   SOLE   433 0 0
iShares RUS 1000 GRW ETF 464287614   1,221 3,624 SH   SOLE   1,221 0 0
iShares RUS 2000 GRW ETF 464287648   906 3,344 SH   SOLE   906 0 0
iShares S&P SML 600 GWT 464287887   260 1,986 SH   SOLE   260 0 0
iShares ISHARES 46428Q109   281 12,365 SH   SOLE   281 0 0
iShares MSCI USA MIN VOL 46429B697   240 2,876 SH   SOLE   240 0 0
iShares 0-5 YR TIPS ETF 46429B747   309,563 3,113,375 SH   SOLE   309,563 0 0
iShares CORE MSCI TOTAL 46432F834   1,542 22,729 SH   SOLE   1,542 0 0
iShares 0-5YR HI YL CP 46434V407   8,599 202,091 SH   SOLE   8,599 0 0
Invesco S&P500 EQL WGT 46137V357   681 4,021 SH   SOLE   681 0 0
Health SBI HEALTHCARE 81369Y209   342 2,313 SH   SOLE   342 0 0
Vanguard MEGA GRWTH IND 921910816   1,070 3,734 SH   SOLE   1,070 0 0
Vanguard SHRT TRM CORP BD 92206C409   2,885 37,312 SH   SOLE   2,885 0 0
Vanguard INTER TERM TREAS 92206C706   802 13,693 SH   SOLE   802 0 0
Schwab SCHWAB FDT US LG 808524771   521 7,738 SH   SOLE   521 0 0
Schwab SCHWAB FDT US SC 808524763   2,300 40,325 SH   SOLE   2,300 0 0
Schwab SCHWB FDT EMK LG 808524730   851 30,661 SH   SOLE   851 0 0
ALPHABET INC CAP STK CL C 02079K107   248 1,630 SH   SOLE   248 0 0
AMAZON COM INC COM 023135106   280 1,555 SH   SOLE   280 0 0
MICROSOFT CORP COM 594918104   1,699 4,038 SH   SOLE   1,699 0 0
EXXON MOBIL CORP COM 30231G102   444 3,821 SH   SOLE   444 0 0
DISNEY WALT CO COM 254687106   248 2,025 SH   SOLE   248 0 0
Goldman Sachs ACCES TREASURY 381430529   539,739 5,349,774 SH   SOLE   539,739 0 0
iShares RUS MID CAP ETF 464287499   321 3,821 SH   SOLE   321 0 0
SPDR State Street Global Advisors INDL 81369Y704   256 2,031 SH   SOLE   256 0 0
iShares RUS MD CP GR ETF 464287481   240 2,100 SH   SOLE   240 0 0
SPDR State Street Global Advisors SBI INT-UTILS 81369Y886   299 4,560 SH   SOLE   299 0 0
iShares FLTG RATE NT ETF 46429B655   12,188 238,709 SH   SOLE   12,188 0 0
iShares MSCI USA QLT FCT 46432F339   2,588 15,744 SH   SOLE   2,588 0 0
iShares US TREAS BD ETF 46429B267   466 20,472 SH   SOLE   466 0 0
iShares U.S. TECH ETF 464287721   521 3,859 SH   SOLE   521 0 0
SPDR State Street Global Advisors SPDR TR TACTIC 78467V848   279 6,977 SH   SOLE   279 0 0
SPDR State Street Global Advisors PORTFOLIO SHORT 78464A474   1,129 37,911 SH   SOLE   1,129 0 0
WisdomTree US MIDCAP DIVID 97717W505   583 11,962 SH   SOLE   583 0 0
iShares MSCI USA VALUE 46432F388   305 2,817 SH   SOLE   305 0 0
iShares EAFE GRWTH ETF 464288885   1,067 10,284 SH   SOLE   1,067 0 0
iShares MSCI USA MMENTM 46432F396   3,403 18,162 SH   SOLE   3,403 0 0
iShares BLACKROCK SH DUR 46431W507   2,781 55,106 SH   SOLE   2,781 0 0
Vanguard SHORT TERM TREAS 92206C102   3,330 57,344 SH   SOLE   3,330 0 0
Vanguard MEGA CAP VAL ETF 921910840   304 2,542 SH   SOLE   304 0 0
SPDR State Street Global Advisors BLACKSTONE SENR 78467V608   400 9,490 SH   SOLE   400 0 0
iShares SHRT NAT MUN ETF 464288158   2,344 22,377 SH   SOLE   2,344 0 0
Vanguard MEGA CAP INDEX 921910873   273 1,461 SH   SOLE   273 0 0
iShares CORE DIV GRWTH 46434V621   456 7,849 SH   SOLE   456 0 0
Van Eck OIL SERVICES ETF 92189H607   600 1,785 SH   SOLE   600 0 0
WisdomTree INTL SMCAP DIV 97717W760   789 12,092 SH   SOLE   789 0 0
SPDR State Street Global Advisors PORTFOLIO AGRGTE 78464A649   353 13,950 SH   SOLE   353 0 0
Invesco FTSE RAFI DEV 46138E743   322 6,478 SH   SOLE   322 0 0
SPDR State Street Global Advisors S&P 600 SMCP VAL 78464A300   1,926 23,209 SH   SOLE   1,926 0 0
Van Eck MRNGSTR WDE MOAT 92189F643   860 9,567 SH   SOLE   860 0 0
SPDR State Street Global Advisors BLOOMBERG INVT 78468R200   230 7,458 SH   SOLE   230 0 0
Vanguard MIDCP 400 GRTH 921932869   982 8,652 SH   SOLE   982 0 0
iShares EXPONENTIAL TECH 46434V381   7,448 124,917 SH   SOLE   7,448 0 0
iShares CORE TOTAL USD 46434V613   1,038 22,773 SH   SOLE   1,038 0 0
Schwab ETFs INT-TRM U.S TRES 808524854   441 8,989 SH   SOLE   441 0 0
Invesco S&P 500 HB ETF 46138E370   345 3,929 SH   SOLE   345 0 0
iShares RUS TP200 GR ETF 464289438   1,995 10,224 SH   SOLE   1,995 0 0
SPDR State Street Global Advisors PORTFOLIO DEVLPD 78463X889   27,840 776,786 SH   SOLE   27,840 0 0
iShares MSCI KLD400 SOC 464288570   49,392 489,953 SH   SOLE   49,392 0 0
SPDR State Street Global Advisors PRTFLO S&P500 GW 78464A409   1,352 18,477 SH   SOLE   1,352 0 0
Van Eck FALLEN ANGEL HG 92189F437   2,529 87,145 SH   SOLE   2,529 0 0
iShares MORNINGSTAR GRWT 464287119   613 8,117 SH   SOLE   613 0 0
First Trust FIRST TR ENH NEW 33739Q408   319 5,353 SH   SOLE   319 0 0
SPDR State Street Global Advisors NUVEEN BLOOMBERG 78464A284   9,209 358,467 SH   SOLE   9,209 0 0
iShares MSCI USA ESG SLC 464288802   21,782 199,525 SH   SOLE   21,782 0 0
WisdomTree US SMALLCAP FUND 97717W562   375 7,473 SH   SOLE   375 0 0
WisdomTree ITL HDG QTLY DIV 97717X594   205 4,470 SH   SOLE   205 0 0
SPDR State Street Global Advisors PORTFOLI S&P1500 78464A805   1,834 28,588 SH   SOLE   1,834 0 0
iShares MSCI LW CRB TG 46434V464   226,126 1,259,823 SH   SOLE   226,126 0 0
SPDR State Street Global Advisors RTFLO S&P500 VL 78464A508   157,492 3,143,543 SH   SOLE   157,492 0 0
SPDR State Street Global Advisors PORTFOLIO EMG MK 78463X509   19,740 545,461 SH   SOLE   19,740 0 0
Vanguard INTL HIGH ETF 921946794   829 12,044 SH   SOLE   829 0 0
SPDR State Street Global Advisors SPDR MSCI USA GE 78468R747   3,736 35,290 SH   SOLE   3,736 0 0
Vanguard INTL DVD ETF 921946810   7,459 91,490 SH   SOLE   7,459 0 0
Fidelity Investments TOTAL BD ETF 316188309   361 7,972 SH   SOLE   361 0 0
iShares JP MRGN EM HI BD 464286285   3,189 85,126 SH   SOLE   3,189 0 0
Vanguard SMLCP 600 VAL 921932778   284 3,215 SH   SOLE   284 0 0
SPDR State Street Global Advisors PORTFOLIO S&P600 78468R853   566,369 13,159,120 SH   SOLE   566,369 0 0
iShares MRGSTR MD CP GRW 464288307   660 9,337 SH   SOLE   660 0 0
SPDR State Street Global Advisors PORTFOLIO S&P400 78464A847   774,626 14,522,420 SH   SOLE   774,626 0 0
iShares GNMA BOND ETF 46429B333   220 5,066 SH   SOLE   220 0 0
John Hancock MULTIFACTOR MI 47804J206   1,198 20,885 SH   SOLE   1,198 0 0
SPDR State Street Global Advisors PORTFOLIO SH TSR 78468R101   230 7,948 SH   SOLE   230 0 0
SPDR State Street Global Advisors PORTFOLIO S&P500 78464A854   2,069,131 33,627,999 SH   SOLE   2,069,131 0 0
WisdomTree US LARGECAP FUND 97717W588   1,428 25,781 SH   SOLE   1,428 0 0
SPDR State Street Global Advisors SPDR S&P 500 ETF 78468R796   90,577 2,116,289 SH   SOLE   90,577 0 0
WisdomTree YIELD ENHANCD US 97717X511   867 19,972 SH   SOLE   867 0 0
iShares BLACKROCK ULTRA 46434V878   1,911 37,794 SH   SOLE   1,911 0 0
First Trust RISNG DIVD ACHIV 33738R506   995 17,707 SH   SOLE   995 0 0
SPDR State Street Global Advisors MSCI EAFE STRTGC 78463X434   1,051 13,812 SH   SOLE   1,051 0 0
iShares ESG AW MSCI EAFE 46435G516   320,789 4,014,381 SH   SOLE   320,789 0 0
SPDR State Street Global Advisors MULT ASS RLRTN 78467V103   288 10,311 SH   SOLE   288 0 0
iShares CRE U S REIT ETF 464288521   389 7,232 SH   SOLE   389 0 0
First Trust Exchange-Traded Fund VIII TCW OPPORTUNIS 33740F805   3,131 71,808 SH   SOLE   3,131 0 0
EA Series Trust US QUAN VALUE 02072L102   573 12,748 SH   SOLE   573 0 0
Pacer GLOBL CASH ETF 69374H709   220 6,348 SH   SOLE   220 0 0
EA Series Trust INTL QUAN VALUE 02072L201   427 15,837 SH   SOLE   427 0 0
SPDR State Street Global Advisors PORTFLI HIGH YLD 78468R606   907 38,653 SH   SOLE   907 0 0
iShares ESG AWR MSCI EM 46434G863   96,278 2,987,211 SH   SOLE   96,278 0 0
SPDR State Street Global Advisors MSCI EAFE FS ETF 78470E106   51,455 1,237,185 SH   SOLE   51,455 0 0
iShares CORE MSCI INTL 46435G326   208 3,099 SH   SOLE   208 0 0
Invesco S&P SMLCP MOMENT 46137V498   288 4,778 SH   SOLE   288 0 0
Invesco TOTAL RETURN 46090A804   245 5,241 SH   SOLE   245 0 0
EA Series Trust INTL QUAN MOMNTM 02072L300   384 13,165 SH   SOLE   384 0 0
iShares MSCI INTL QUALTY 46434V456   1,584 39,947 SH   SOLE   1,584 0 0
iShares MSCI INTL MOMENT 46434V449   1,826 46,545 SH   SOLE   1,826 0 0
Ark ETF Trust NEXT GNRTN INTER 00214Q401   1,550 18,605 SH   SOLE   1,550 0 0
Fidelity Investments LOW VOLITY ETF 316092824   480 8,550 SH   SOLE   480 0 0
iShares TRS FLT RT BD 46434V860   4,409 86,980 SH   SOLE   4,409 0 0
Ark ETF Trust INNOVATION ETF 00214Q104   458 9,146 SH   SOLE   458 0 0
ProShares PRIV EQTY-LSTD 74348A533   241 8,153 SH   SOLE   241 0 0
iShares INTERNATIONAL SL 46434V266   261 7,928 SH   SOLE   261 0 0
iShares FALN ANGLS USD 46435G474   7,171 266,993 SH   SOLE   7,171 0 0
Pacer US CASH COWS 100 69374H881   1,536 26,441 SH   SOLE   1,536 0 0
iShares ESG AWR MSCI USA 46435G425   294,565 2,562,322 SH   SOLE   294,565 0 0
SPDR State Street Global Advisors MSCI EMR MKT ETF 78470E205   30,400 969,380 SH   SOLE   30,400 0 0
Invesco S&P INTL MOMNT 46138E222   460 10,929 SH   SOLE   460 0 0
WisdomTree EM EX ST-OWNED 97717X578   4,929 167,328 SH   SOLE   4,929 0 0
Invesco S&P 500 MOMNTM 46138E339   382 4,766 SH   SOLE   382 0 0
Goldman Sachs ACTIVEBETA US 381430602   47,732 728,170 SH   SOLE   47,732 0 0
Goldman Sachs ACCESS INVT GR 381430479   24,687 539,144 SH   SOLE   24,687 0 0
Goldman Sachs ACCESS HIG YLD 381430453   2,146 48,521 SH   SOLE   2,146 0 0
XTRACKERS XTRACK USD HIGH 233051432   9,104 254,948 SH   SOLE   9,104 0 0
INTEL CORP COM 458140100   289 6,551 SH   SOLE   289 0 0
COMCAST CORP NEW CL A 20030N101   567 13,070 SH   SOLE   567 0 0
ABBVIE INC COM 00287Y109   344 1,890 SH   SOLE   344 0 0
HOME DEPOT INC COM 437076102   568 1,482 SH   SOLE   568 0 0
PROCTER AND GAMBLE CO COM 742718109   541 3,336 SH   SOLE   541 0 0
MCDONALDS CORP COM 580135101   564 2,000 SH   SOLE   564 0 0
TEXAS INSTRS INC COM 882508104   658 3,776 SH   SOLE   658 0 0
LOCKHEED MARTIN CORP COM 539830109   650 1,430 SH   SOLE   650 0 0
INTUIT COM 461202103   456 702 SH   SOLE   456 0 0
ABBOTT LABS COM 002824100   362 3,186 SH   SOLE   362 0 0
ISHARES BROAD USD HIGH 46435U853   3,091 84,472 SH   SOLE   3,091 0 0
GraniteShares BBG COMMD K 1 38747R108   10,043 505,425 SH   SOLE   10,043 0 0
SPDR State Street Global Advisors SPDR GLD MINIS 98149E303   499 11,326 SH   SOLE   499 0 0
JP Morgan ULTRA SHRT INC 46641Q837   236,472 4,687,250 SH   SOLE   236,472 0 0
Goldman Sachs ACCESS INFLATI 381430362   5,364 109,521 SH   SOLE   5,364 0 0
iShares ESG AWR US AGRGT 46435U549   20,608 437,903 SH   SOLE   20,608 0 0
AVANTIS INTL INTL SMCP VLU 025072802   6,176 93,779 SH   SOLE   6,176 0 0
Avantis US SML CP VALU 025072877   12,814 136,742 SH   SOLE   12,814 0 0
Goldman Sachs ACCESS US AGRAT 38149W101   33,390 811,417 SH   SOLE   33,390 0 0
Impact Shares NAACP MINO ETF 45259A209   3,734 97,354 SH   SOLE   3,734 0 0
iShares USD GRN BOND ETF 46435U440   49,526 1,056,221 SH   SOLE   49,526 0 0
Dimensional Fund Advisors INTL CORE EQT MK 25434V203   24,997 827,180 SH   SOLE   24,997 0 0
Dimensional Fund Advisors EMGR CRE EQT MNG 25434V302   6,636 268,440 SH   SOLE   6,636 0 0
Dimensional Fund Advisors US CORE EQT MKT 25434V104   37,434 1,024,476 SH   SOLE   37,434 0 0
VANGUARD SCOTTSDALE FDS T TOTAL CORP BND 92206C573   204 2,666 SH   SOLE   204 0 0
Cambria Funds GBL REAL EST ETF 132061813   864 35,182 SH   SOLE   864 0 0
ISHARES ESG AWRE USD ETF 46435G193   15,416 670,565 SH   SOLE   15,416 0 0
iShares ESG ADV TTL USD 46436E619   1,910 44,598 SH   SOLE   1,910 0 0
iShares ESG AWRE 1 5 YR 46435G243   333 13,587 SH   SOLE   333 0 0
iShares ESG EAFE ETF 46436E759   438 6,435 SH   SOLE   438 0 0
Vanguard ESG INTL STK ETF 921910725   789 13,733 SH   SOLE   789 0 0
iShares ESG MSCI USA ETF 46436E767   396 8,770 SH   SOLE   396 0 0
VANGUARD WORLD FD ESG US CORP BD 921910691   203 3,241 SH   SOLE   203 0 0
BlackRock Fund Advisors ESG AWARE MSCI 46435U663   19,106 474,446 SH   SOLE   19,106 0 0
VANGUARD ESG US STK ETF 921910733   33,501 359,487 SH   SOLE   33,501 0 0
INVESCO NASDAQ 100 ETF 46138G649   3,389 18,553 SH   SOLE   3,389 0 0
State Street Global Advisors Inc S&P KENSHO NEW 78468R648   69,923 1,454,315 SH   SOLE   69,923 0 0
PACER FDS TR PACER US SMALL 69374H857   473 9,617 SH   SOLE   473 0 0
Dimensional US SMALL CAP ETF 25434V500   794 12,735 SH   SOLE   794 0 0
Dimensional US TARGETED VLU 25434V609   10,332 189,825 SH   SOLE   10,332 0 0
Dimensional US EQUITY ETF 25434V401   3,537 62,077 SH   SOLE   3,537 0 0
Dimensional US CORE EQUITY 2 25434V708   58,685 1,836,773 SH   SOLE   58,685 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107   650 13,076 SH   SOLE   650 0 0
AMERICAN CENTY ETF US EQT ETF 025072885   865 9,667 SH   SOLE   865 0 0
J P MORGAN EXCHANGE EQUITY PREMIUM 46641Q332   296 5,119 SH   SOLE   296 0 0
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   479 20,117 SH   SOLE   479 0 0
Western Asset Management Co 0-3 MNTH TREASRY 46436E718   3,201 31,786 SH   SOLE   3,201 0 0
ISHARES INC MSCI EMRG CHN 46434G764   422 7,325 SH   SOLE   422 0 0
J P MORGAN EXCHANGE BETABUILDRS US 46641Q399   512 5,420 SH   SOLE   512 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   13,090 264,182 SH   SOLE   13,090 0 0
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   225 2,253 SH   SOLE   225 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417   1,274 37,294 SH   SOLE   1,274 0 0
J P MORGAN EXCHANGE CORE PLUS BD ETF 46641Q670   776 16,634 SH   SOLE   776 0 0
ISHARES TR INVESTMENT GRADE 46435G219   9,245 206,139 SH   SOLE   9,245 0 0
Innovator Capital Management LLC US EQTY PWR BUF 45782C797   403 10,751 SH   SOLE   403 0 0
ISHARES TR HIGH YLD SYSTM B 46435G250   2,853 61,061 SH   SOLE   2,853 0 0
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680   312 8,808 SH   SOLE   312 0 0
Innovator Capital Management LLC US EQTY BUF OCT 45782C771   258 6,366 SH   SOLE   258 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813   330 8,695 SH   SOLE   330 0 0
Innovator Capital Management LLC US EQTY ULTRA B 45782C821   906 26,983 SH   SOLE   906 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748   318 9,220 SH   SOLE   318 0 0
EA Series Trust FREEDOM 100 EM 02072L607   534 15,841 SH   SOLE   534 0 0
Engine No. 1 TRANSFRM 500 ETF 29287L106   59,762 975,704 SH   SOLE   59,762 0 0
Dimensional Fund Advisors LP INTERNATNAL VAL 25434V807   3,744 101,864 SH   SOLE   3,744 0 0
Dimensional Fund Advisors LP WORLD EX US CORE 25434V880   5,362 210,752 SH   SOLE   5,362 0 0
Simplify Asset Management Inc US EQT PLS UPSID 82889N301   250 6,388 SH   SOLE   250 0 0
Dimensional Fund Advisors LP CORE FIXED INCOM 25434V872   24,467 583,236 SH   SOLE   24,467 0 0
Dimensional Fund Advisors LP SHORT DURATION F 25434V864   7,545 160,389 SH   SOLE   7,545 0 0
Dimensional Fund Advisors LP NATL MUN BD ETF 25434V849   328 6,827 SH   SOLE   328 0 0
American Century Investment Management Inc AVANTIS CORE FI 025072562   240 5,816 SH   SOLE   240 0 0
Dimensional Fund Advisors LP US HIGH PROFITAB 25434V831   1,319 41,721 SH   SOLE   1,319 0 0
Dimensional Fund Advisors LP US REAL ESTATE E 25434V823   3,351 149,796 SH   SOLE   3,351 0 0
Dimensional Fund Advisors LP INTL SMALL CAP E 25434V773   1,916 76,461 SH   SOLE   1,916 0 0
Dimensional Fund Advisors LP INTL SMALL CAP V 25434V781   623 22,930 SH   SOLE   623 0 0
Dimensional Fund Advisors LP INTL HIGH PROFIT 25434V765   337 12,508 SH   SOLE   337 0 0
Dimensional Fund Advisors LP INTL CORE EQUITY 25434V799   22,783 851,698 SH   SOLE   22,783 0 0
Dimensional Fund Advisors LP EMERGING MKTS CO 25434V732   15,396 603,988 SH   SOLE   15,396 0 0
Dimensional Fund Advisors LP EMERGING MKTS VA 25434V740   1,907 73,448 SH   SOLE   1,907 0 0
Dimensional Fund Advisors LP EMERGING MKTS H 25434V757   772 31,121 SH   SOLE   772 0 0
Goldman Sachs Asset Management LP ACCESS EMNG MKTS 381430388   12,815 312,021 SH   SOLE   12,815 0 0
Dimensional Fund Advisors LP US SMALL CAP VAL 25434V815   1,536 51,034 SH   SOLE   1,536 0 0
Capital Research and Management Co SHS CREATION UNI 14020G101   273 8,529 SH   SOLE   273 0 0
Capital Research and Management Co SHS CREATION UNI 14020W106   582 17,910 SH   SOLE   582 0 0
Dimensional Fund Advisors LP US SUSTAINABILTY 25434V716   354 10,299 SH   SOLE   354 0 0
Dimensional Fund Advisors LP GLOBAL REAL EST 25434V658   1,110 43,478 SH   SOLE   1,110 0 0
Dimensional Fund Advisors LP US LARGE CAP VAL 25434V666   6,654 221,883 SH   SOLE   6,654 0 0
Summit Global Investments LLC SGI US LARGE CAP 74933W593   685 20,580 SH   SOLE   685 0 0
Capital Research and Management Co US MULTI-SECTOR 14020Y300   628 23,220 SH   SOLE   628 0 0
BlackRock Fund Advisors FLEXIBLE INCOME 092528603   2,273 43,324 SH   SOLE   2,273 0 0
Gentex Corp COM 371901109   282 7,801 SH   SOLE   282 0 0
Clockwise Capital LLC CLOCKWISE CORE 14064D568   222 8,665 SH   SOLE   222 0 0
Dimensional Fund Advisors LP US CORE EQUITY 1 25434V625   5,984 102,037 SH   SOLE   5,984 0 0
Dimensional Fund Advisors LP GLOBAL EX US COR 25434V575   2,152 40,596 SH   SOLE   2,152 0 0
Dimensional Fund Advisors LP GLOBAL CR ETF 25434V567   2,003 37,831 SH   SOLE   2,003 0 0
Bitwise Asset Management Inc SHS BEN INT 09174C104   2,973 76,793 SH   SOLE   2,973 0 0
Vaneck Digital Assets LLC SH BEN INT 92189K105   324 4,035 SH   SOLE   324 0 0
BlackRock Fund Advisors SHS 46438F101   926 22,870 SH   SOLE   926 0 0