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   2,052,492 102,985 SH   SOLE   0 0 102,985
APPLE INC COM 037833100   445,690 2,467 SH   SOLE   0 0 2,467
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   1,493,241 30,948 SH   SOLE   0 0 30,948
DBX ETF TR XTRACK USD HIGH 233051432   672,731 19,602 SH   SOLE   0 0 19,602
DBX ETF TR XTRCKR MSCI US 233051150   8,614,341 214,341 SH   SOLE   0 0 214,341
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   2,864,411 114,494 SH   SOLE   0 0 114,494
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   85,962,032 2,891,433 SH   SOLE   0 0 2,891,433
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   121,487,545 3,921,493 SH   SOLE   0 0 3,921,493
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   169,818,910 1,968,462 SH   SOLE   0 0 1,968,462
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   61,629,258 4,565,151 SH   SOLE   0 0 4,565,151
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   3,143,293 152,340 SH   SOLE   0 0 152,340
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   1,749,698 94,630 SH   SOLE   0 0 94,630
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   6,346,660 42,402 SH   SOLE   0 0 42,402
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,386,673 8,550 SH   SOLE   0 0 8,550
ISHARES INC CORE MSCI EMKT 46434G103   2,980 61 SH   SOLE 1 0 0 61
ISHARES INC CORE MSCI EMKT 46434G103   67,395,508 1,387,325 SH   SOLE   0 0 1,387,325
ISHARES INC ESG AWR MSCI EM 46434G863   5,280,109 168,195 SH   SOLE   0 0 168,195
ISHARES TR 1 3 YR TREAS BD 464287457   4,302,531 53,451 SH   SOLE   0 0 53,451
ISHARES TR 10-20 YR TRS ETF 464288653   1,552,417 14,128 SH   SOLE   0 0 14,128
ISHARES TR BROAD USD HIGH 46435U853   62,308,756 1,774,680 SH   SOLE   0 0 1,774,680
ISHARES TR CORE DIV GRWTH 46434V621   404,804 7,928 SH   SOLE   0 0 7,928
ISHARES TR CORE MSCI EAFE 46432F842   79,501,776 1,189,007 SH   SOLE   0 0 1,189,007
ISHARES TR CORE S&P MCP ETF 464287507   2,420,698 9,314 SH   SOLE   0 0 9,314
ISHARES TR CORE S&P SCP ETF 464287804   78,362,125 787,087 SH   SOLE   0 0 787,087
ISHARES TR CORE S&P TTL STK 464287150   358,565,736 3,704,935 SH   SOLE   0 0 3,704,935
ISHARES TR CORE S&P500 ETF 464287200   93,196,989 211,662 SH   SOLE   0 0 211,662
ISHARES TR CORE TOTAL USD 46434V613   145,821,609 3,218,314 SH   SOLE   0 0 3,218,314
ISHARES TR CORE US AGGBD ET 464287226   258,823,559 2,645,715 SH   SOLE   0 0 2,645,715
ISHARES TR CRE U S REIT ETF 464288521   2,312,850 39,392 SH   SOLE   0 0 39,392
ISHARES TR EAFE GRWTH ETF 464288885   6,783,830 72,099 SH   SOLE   0 0 72,099
ISHARES TR EAFE VALUE ETF 464288877   4,332,358 89,401 SH   SOLE   0 0 89,401
ISHARES TR ESG ADV TTL USD 46436E619   9,597,131 225,922 SH   SOLE   0 0 225,922
ISHARES TR ESG ADVNCD HY BD 46435G441   3,763,008 85,601 SH   SOLE   0 0 85,601
ISHARES TR ESG AW MSCI EAFE 46435G516   1,012,292 14,048 SH   SOLE   0 0 14,048
ISHARES TR ESG AWARE MSCI 46435U663   6,510,343 184,065 SH   SOLE   0 0 184,065
ISHARES TR ESG AWR MSCI USA 46435G425   4,682,142 48,605 SH   SOLE   0 0 48,605
ISHARES TR ESG AWR US AGRGT 46435U549   12,860,143 273,040 SH   SOLE   0 0 273,040
ISHARES TR ESG AWRE USD ETF 46435G193   1,212,190 53,613 SH   SOLE   0 0 53,613
ISHARES TR ESG EAFE ETF 46436E759   6,067,919 101,158 SH   SOLE   0 0 101,158
ISHARES TR ESG MSCI USA ETF 46436E767   13,793,131 387,557 SH   SOLE   0 0 387,557
ISHARES TR FALN ANGLS USD 46435G474   589,018 23,383 SH   SOLE   0 0 23,383
ISHARES TR IBOXX HI YD ETF 464288513   641,231 8,538 SH   SOLE   0 0 8,538
ISHARES TR INTL EQTY FACTOR 46434V274   3,344,809 126,267 SH   SOLE   0 0 126,267
ISHARES TR JPMORGAN USD EMG 464288281   72,817,327 849,960 SH   SOLE   0 0 849,960
ISHARES TR MBS ETF 464288588   6,617,044 71,105 SH   SOLE   0 0 71,105
ISHARES TR MSCI EAFE ETF 464287465   2,429,375 33,892 SH   SOLE   0 0 33,892
ISHARES TR MSCI EMG MKT ETF 464287234   653,389 16,647 SH   SOLE   0 0 16,647
ISHARES TR MSCI KLD400 SOC 464288570   1,600,217 19,238 SH   SOLE   0 0 19,238
ISHARES TR MSCI USA MIN VOL 46429B697   2,204,171 29,960 SH   SOLE   0 0 29,960
ISHARES TR MSCI USA QLT FCT 46432F339   7,764,034 58,201 SH   SOLE   0 0 58,201
ISHARES TR NATIONAL MUN ETF 464288414   23,073,042 215,991 SH   SOLE   0 0 215,991
ISHARES TR RUS 1000 ETF 464287622   5,460,895 23,928 SH   SOLE   0 0 23,928
ISHARES TR RUS TP200 GR ETF 464289438   6,916,093 44,271 SH   SOLE   0 0 44,271
ISHARES TR RUSSELL 2000 ETF 464287655   1,136,237 6,096 SH   SOLE   0 0 6,096
ISHARES TR SHRT NAT MUN ETF 464288158   464,909 4,472 SH   SOLE   0 0 4,472
ISHARES TR TIPS BD ETF 464287176   3,534,413 32,082 SH   SOLE   0 0 32,082
ISHARES TR U S EQUITY FACTR 46434V282   90,528,259 2,054,665 SH   SOLE   0 0 2,054,665
ISHARES TR U.S. TECH ETF 464287721   3,498,963 32,600 SH   SOLE   0 0 32,600
ISHARES TR US INFRASTRUC 46435U713   585,815 15,075 SH   SOLE   0 0 15,075
ISHARES TR US TREAS BD ETF 46429B267   5,853,707 255,956 SH   SOLE   0 0 255,956
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   8,412,833 166,163 SH   SOLE   0 0 166,163
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   1,204,329 22,171 SH   SOLE   0 0 22,171
JOHN HANCOCK EXCHANGE TRADED MULTFCTR EMRNG 47804J834   363,232 14,938 SH   SOLE   0 0 14,938
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859   368,885 12,059 SH   SOLE   0 0 12,059
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   387,784 7,869 SH   SOLE   0 0 7,869
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   6,800,829 279,893 SH   SOLE   0 0 279,893
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,356,511 212,219 SH   SOLE   0 0 212,219
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,588,238 32,757 SH   SOLE   0 0 32,757
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   6,098,771 131,975 SH   SOLE   0 0 131,975
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   11,238,724 215,081 SH   SOLE   0 0 215,081
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,967,528 47,943 SH   SOLE   0 0 47,943
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   23,875 461 SH   SOLE 1 0 0 461
SCHWAB STRATEGIC TR US REIT ETF 808524847   714,056 34,432 SH   SOLE   0 0 34,432
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,140,546 19,303 SH   SOLE   0 0 19,303
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   18,613,433 569,860 SH   SOLE   0 0 569,860
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   9,300 289 SH   SOLE 1 0 0 289
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   18,226,259 517,801 SH   SOLE   0 0 517,801
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,067,557 4,719 SH   SOLE   0 0 4,719
SPDR SER TR PORTFLI TIPS ETF 78464A656   2,906,108 102,724 SH   SOLE   0 0 102,724
SPDR SER TR PORTFOLI S&P1500 78464A805   30,219,862 549,427 SH   SOLE   0 0 549,427
SPDR SER TR PORTFOLIO AGRGTE 78464A649   34,468,357 1,288,951 SH   SOLE   0 0 1,288,951
SPDR SER TR PORTFOLIO S&P500 78464A854   123,943,145 2,406,663 SH   SOLE   0 0 2,406,663
SPDR SER TR PORTFOLIO S&P600 78468R853   3,269,098 84,190 SH   SOLE   0 0 84,190
SPDR SER TR PORTFOLIO SH TSR 78468R101   4,771,025 155,191 SH   SOLE   0 0 155,191
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   1,959,174 42,600 SH   SOLE   0 0 42,600
VANGUARD BD INDEX FDS INTERMED TERM 921937819   7,307,539 97,336 SH   SOLE   0 0 97,336
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   5,065,487 68,323 SH   SOLE   0 0 68,323
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   10,572,475 139,996 SH   SOLE   0 0 139,996
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,824,754 79,104 SH   SOLE   0 0 79,104
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   11,652,837 238,739 SH   SOLE   0 0 238,739
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   94,409,702 638,768 SH   SOLE   0 0 638,768
VANGUARD INDEX FDS GROWTH ETF 922908736   1,900,078 6,813 SH   SOLE   0 0 6,813
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,439,202 17,169 SH   SOLE   0 0 17,169
VANGUARD INDEX FDS MID CAP ETF 922908629   925,227 4,243 SH   SOLE   0 0 4,243
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   258,546 2,764 SH   SOLE   0 0 2,764
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   36,901,303 91,678 SH   SOLE   0 0 91,678
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,599,399 18,201 SH   SOLE   0 0 18,201
VANGUARD INDEX FDS TOTAL STK MKT 922908769   12,896,624 57,293 SH   SOLE   0 0 57,293
VANGUARD INDEX FDS VALUE ETF 922908744   1,590,620 11,289 SH   SOLE   0 0 11,289
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   23,361,520 565,095 SH   SOLE   0 0 565,095
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,254 25 SH   SOLE 1 0 0 25
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   22,785,521 454,438 SH   SOLE   0 0 454,438
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   5,485,687 119,696 SH   SOLE   0 0 119,696
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   9,569,052 165,784 SH   SOLE   0 0 165,784
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   27,361,914 137,235 SH   SOLE   0 0 137,235
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   9,034,428 119,820 SH   SOLE   0 0 119,820
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   57,566,798 1,256,401 SH   SOLE   0 0 1,256,401
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,157,203 18,713 SH   SOLE   0 0 18,713
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   369,849 3,514 SH   SOLE   0 0 3,514