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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DBX ETF TR XTRACK USD HIGH 233051432 35,801 747,109 SH   SOLE   0 0 747,109
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 2,432 103,893 SH   SOLE   0 0 103,893
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 46,427 1,646,350 SH   SOLE   0 0 1,646,350
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 52,223 1,616,796 SH   SOLE   0 0 1,616,796
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 110,681 1,639,732 SH   SOLE   0 0 1,639,732
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 34,734 1,285,476 SH   SOLE   0 0 1,285,476
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 779 44,958 SH   SOLE   0 0 44,958
ISHARES INC CORE MSCI EMKT 46434G103 36,812 708,064 SH   SOLE   0 0 708,064
ISHARES INC ESG AWR MSCI EM 46434G863 837 23,878 SH   SOLE   0 0 23,878
ISHARES TR 20 YR TR BD ETF 464287432 205 1,240 SH   SOLE   0 0 1,240
ISHARES TR CRE U S REIT ETF 464288521 2,115 48,399 SH   SOLE   0 0 48,399
ISHARES TR EAFE GRWTH ETF 464288885 1,241 13,726 SH   SOLE   0 0 13,726
ISHARES TR ESG AWR MSCI USA 46435G425 1,696 22,411 SH   SOLE   0 0 22,411
ISHARES TR CORE TOTAL USD 46434V613 276 5,070 SH   SOLE   0 0 5,070
ISHARES TR RUSSELL 2000 ETF 464287655 597 4,001 SH   SOLE   0 0 4,001
ISHARES TR U.S. MED DVC ETF 464288810 426 1,446 SH   SOLE   0 0 1,446
ISHARES TR IBOXX HI YD ETF 464288513 897 10,729 SH   SOLE   0 0 10,729
ISHARES TR NATIONAL MUN ETF 464288414 484 4,172 SH   SOLE   0 0 4,172
ISHARES TR 1 3 YR TREAS BD 464287457 3,794 43,864 SH   SOLE   0 0 43,864
ISHARES TR RUS 1000 ETF 464287622 2,807 15,121 SH   SOLE   0 0 15,121
ISHARES TR CORE US AGGBD ET 464287226 197,306 1,668,560 SH   SOLE   0 0 1,668,560
ISHARES TR ISHS 1-5YR INVS 464288646 1,421 25,889 SH   SOLE   0 0 25,889
ISHARES TR 0-5YR HI YL CP 46434V407 958 21,886 SH   SOLE   0 0 21,886
ISHARES TR US TREAS BD ETF 46429B267 2,525 90,191 SH   SOLE   0 0 90,191
ISHARES TR MSCI USA MIN VOL 46429B697 408 6,434 SH   SOLE   0 0 6,434
ISHARES TR GLOBAL TECH ETF 464287291 505 1,926 SH   SOLE   0 0 1,926
ISHARES TR JPMORGAN USD EMG 464288281 8,486 76,901 SH   SOLE   0 0 76,901
ISHARES TR CORE S&P MCP ETF 464287507 280 1,522 SH   SOLE   0 0 1,522
ISHARES TR CORE S&P SCP ETF 464287804 22,714 324,355 SH   SOLE   0 0 324,355
ISHARES TR MSCI USA MMENTM 46432F396 469 3,213 SH   SOLE   0 0 3,213
ISHARES TR CORE S&P TTL STK 464287150 183,078 2,443,335 SH   SOLE   0 0 2,443,335
ISHARES TR MSCI INTL MULTFT 46434V274 705 28,885 SH   SOLE   0 0 28,885
ISHARES TR MSCI USA VALUE 46432F388 680 9,265 SH   SOLE   0 0 9,265
ISHARES TR U.S. FIN SVC ETF 464287770 269 2,229 SH   SOLE   0 0 2,229
ISHARES TR BARCLAYS 7 10 YR 464287440 274 2,240 SH   SOLE   0 0 2,240
ISHARES TR IBOXX INV CP ETF 464287242 2,705 20,073 SH   SOLE   0 0 20,073
ISHARES TR TIPS BD ETF 464287176 3,275 25,814 SH   SOLE   0 0 25,814
ISHARES TR CORE MSCI EAFE 46432F842 36,949 610,416 SH   SOLE   0 0 610,416
ISHARES TR CORE S&P500 ETF 464287200 4,452 13,349 SH   SOLE   0 0 13,349
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 554 11,052 SH   SOLE   0 0 11,052
SCHWAB STRATEGIC TR US REIT ETF 808524847 527 14,924 SH   SOLE   0 0 14,924
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,927 156,300 SH   SOLE   0 0 156,300
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,099 193,502 SH   SOLE   0 0 193,502
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,022 71,562 SH   SOLE   0 0 71,562
SCHWAB STRATEGIC TR US TIPS ETF 808524870 807 13,070 SH   SOLE   0 0 13,070
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 963 12,034 SH   SOLE   0 0 12,034
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,127 103,332 SH   SOLE   0 0 103,332
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,015 19,696 SH   SOLE   0 0 19,696
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 13,633 464,337 SH   SOLE   0 0 464,337
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 13,410 372,565 SH   SOLE   0 0 372,565
SPDR SER TR PORTFOLIO SH TSR 78468R101 4,249 138,359 SH   SOLE   0 0 138,359
SPDR SER TR PORTFLI TIPS ETF 78464A656 2,317 74,823 SH   SOLE   0 0 74,823
SPDR SER TR PORTFOLIO AGRGTE 78464A649 13,363 433,141 SH   SOLE   0 0 433,141
SPDR SER TR PRTFLO S&P500 GW 78464A409 733 14,725 SH   SOLE   0 0 14,725
SPDR SER TR PORTFOLI S&P1500 78464A805 21,586 531,822 SH   SOLE   0 0 531,822
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 634 7,172 SH   SOLE   0 0 7,172
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,639 43,817 SH   SOLE   0 0 43,817
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,985 21,212 SH   SOLE   0 0 21,212
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 2,134 18,989 SH   SOLE   0 0 18,989
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,283 73,514 SH   SOLE   0 0 73,514
VANGUARD INDEX FDS MID CAP ETF 922908629 978 5,584 SH   SOLE   0 0 5,584
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,351 20,802 SH   SOLE   0 0 20,802
VANGUARD INDEX FDS SMALL CP ETF 922908751 420 2,741 SH   SOLE   0 0 2,741
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 132,629 1,028,611 SH   SOLE   0 0 1,028,611
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,143 7,365 SH   SOLE   0 0 7,365
VANGUARD INDEX FDS TOTAL STK MKT 922908769 9,256 55,084 SH   SOLE   0 0 55,084
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,442 151,611 SH   SOLE   0 0 151,611
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 19,368 233,796 SH   SOLE   0 0 233,796
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,202 40,583 SH   SOLE   0 0 40,583
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,087 221,974 SH   SOLE   0 0 221,974