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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 358 2,051 SH   SOLE   0 0 2,051
DBX ETF TR XTRACK USD HIGH 233051432 61,573 1,527,483 SH   SOLE   0 0 1,527,483
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 3,778 124,121 SH   SOLE   0 0 124,121
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 79,499 2,275,952 SH   SOLE   0 0 2,275,952
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 90,273 2,212,030 SH   SOLE   0 0 2,212,030
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 191,610 2,227,252 SH   SOLE   0 0 2,227,252
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 58,629 2,122,701 SH   SOLE   0 0 2,122,701
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 1,199 51,363 SH   SOLE   0 0 51,363
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 5,275 58,453 SH   SOLE   0 0 58,453
ISHARES INC CORE MSCI EMKT 46434G103 61,147 912,765 SH   SOLE   0 0 912,765
ISHARES INC ESG AWR MSCI EM 46434G863 2,978 65,958 SH   SOLE   0 0 65,958
ISHARES TR GLOBAL FINLS ETF 464287333 1,521 19,592 SH   SOLE   0 0 19,592
ISHARES TR ESG AWARE MSCI 46435U663 409 10,140 SH   SOLE   0 0 10,140
ISHARES TR CRE U S REIT ETF 464288521 3,044 52,180 SH   SOLE   0 0 52,180
ISHARES TR U.S. ENERGY ETF 464287796 1,093 37,574 SH   SOLE   0 0 37,574
ISHARES TR EAFE GRWTH ETF 464288885 2,472 23,047 SH   SOLE   0 0 23,047
ISHARES TR ESG AWR MSCI USA 46435G425 7,040 71,491 SH   SOLE   0 0 71,491
ISHARES TR MBS ETF 464288588 1,382 12,772 SH   SOLE   0 0 12,772
ISHARES TR CORE TOTAL USD 46434V613 132,972 2,485,931 SH   SOLE   0 0 2,485,931
ISHARES TR RUSSELL 2000 ETF 464287655 917 4,000 SH   SOLE   0 0 4,000
ISHARES TR IBOXX HI YD ETF 464288513 1,538 17,485 SH   SOLE   0 0 17,485
ISHARES TR NATIONAL MUN ETF 464288414 513 4,378 SH   SOLE   0 0 4,378
ISHARES TR 1 3 YR TREAS BD 464287457 5,090 59,083 SH   SOLE   0 0 59,083
ISHARES TR RUS 1000 ETF 464287622 3,980 16,440 SH   SOLE   0 0 16,440
ISHARES TR CORE US AGGBD ET 464287226 239,669 2,078,094 SH   SOLE   0 0 2,078,094
ISHARES TR EAFE VALUE ETF 464288877 4,016 77,581 SH   SOLE   0 0 77,581
ISHARES TR ISHS 1-5YR INVS 464288646 4,517 82,414 SH   SOLE   0 0 82,414
ISHARES TR ESG AW MSCI EAFE 46435G516 369 4,663 SH   SOLE   0 0 4,663
ISHARES TR ESG MSCI USA ETF 46436E767 469 12,907 SH   SOLE   0 0 12,907
ISHARES TR SP SMCP600VL ETF 464287879 3,725 35,327 SH   SOLE   0 0 35,327
ISHARES TR US TREAS BD ETF 46429B267 6,422 241,447 SH   SOLE   0 0 241,447
ISHARES TR GLOBAL TECH ETF 464287291 631 1,869 SH   SOLE   0 0 1,869
ISHARES TR ESG EAFE ETF 46436E759 281 4,145 SH   SOLE   0 0 4,145
ISHARES TR JPMORGAN USD EMG 464288281 13,065 116,170 SH   SOLE   0 0 116,170
ISHARES TR CORE S&P MCP ETF 464287507 1,314 4,891 SH   SOLE   0 0 4,891
ISHARES TR MSCI USA MMENTM 46432F396 867 4,998 SH   SOLE   0 0 4,998
ISHARES TR CORE S&P SCP ETF 464287804 40,518 358,631 SH   SOLE   0 0 358,631
ISHARES TR CORE S&P TTL STK 464287150 305,240 3,090,775 SH   SOLE   0 0 3,090,775
ISHARES TR MSCI INTL MULTFT 46434V274 981 32,640 SH   SOLE   0 0 32,640
ISHARES TR MSCI KLD400 SOC 464288570 210 2,538 SH   SOLE   0 0 2,538
ISHARES TR ESG ADV TTL USD 46436E619 610 12,276 SH   SOLE   0 0 12,276
ISHARES TR MSCI USA VALUE 46432F388 2,025 19,275 SH   SOLE   0 0 19,275
ISHARES TR FALN ANGLS USD 46435G474 1,793 59,845 SH   SOLE   0 0 59,845
ISHARES TR ESG AWRE 1 5 YR 46435G243 447 17,158 SH   SOLE   0 0 17,158
ISHARES TR TIPS BD ETF 464287176 4,514 35,264 SH   SOLE   0 0 35,264
ISHARES TR CORE MSCI EAFE 46432F842 60,806 812,179 SH   SOLE   0 0 812,179
ISHARES TR CORE S&P500 ETF 464287200 9,786 22,762 SH   SOLE   0 0 22,762
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,500 43,480 SH   SOLE   0 0 43,480
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,026 22,411 SH   SOLE   0 0 22,411
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,314 252,845 SH   SOLE   0 0 252,845
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,323 211,178 SH   SOLE   0 0 211,178
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,908 108,213 SH   SOLE   0 0 108,213
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,118 17,893 SH   SOLE   0 0 17,893
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,781 17,130 SH   SOLE   0 0 17,130
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 13,265 128,089 SH   SOLE   0 0 128,089
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,649 32,203 SH   SOLE   0 0 32,203
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 22,865 621,504 SH   SOLE   0 0 621,504
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 22,911 503,545 SH   SOLE   0 0 503,545
SPDR SER TR PORTFOLIO SH TSR 78468R101 5,478 178,772 SH   SOLE   0 0 178,772
SPDR SER TR PORTFLI TIPS ETF 78464A656 3,150 101,161 SH   SOLE   0 0 101,161
SPDR SER TR PORTFOLIO AGRGTE 78464A649 18,068 602,060 SH   SOLE   0 0 602,060
SPDR SER TR PRTFLO S&P500 GW 78464A409 6,114 97,088 SH   SOLE   0 0 97,088
SPDR SER TR PORTFOLI S&P1500 78464A805 36,981 698,147 SH   SOLE   0 0 698,147
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,395 39,524 SH   SOLE   0 0 39,524
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 9,172 111,635 SH   SOLE   0 0 111,635
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,833 64,840 SH   SOLE   0 0 64,840
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 5,342 51,852 SH   SOLE   0 0 51,852
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 10,642 186,376 SH   SOLE   0 0 186,376
VANGUARD INDEX FDS MID CAP ETF 922908629 1,614 6,801 SH   SOLE   0 0 6,801
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 16,587 42,151 SH   SOLE   0 0 42,151
VANGUARD INDEX FDS SMALL CP ETF 922908751 837 3,713 SH   SOLE   0 0 3,713
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 207,729 1,101,484 SH   SOLE   0 0 1,101,484
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 267 2,772 SH   SOLE   0 0 2,772
VANGUARD INDEX FDS VALUE ETF 922908744 492 3,578 SH   SOLE   0 0 3,578
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,785 8,894 SH   SOLE   0 0 8,894
VANGUARD INDEX FDS GROWTH ETF 922908736 817 2,848 SH   SOLE   0 0 2,848
VANGUARD INDEX FDS TOTAL STK MKT 922908769 12,452 56,874 SH   SOLE   0 0 56,874
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,362 192,180 SH   SOLE   0 0 192,180
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,350 42,504 SH   SOLE   0 0 42,504
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 5,317 99,617 SH   SOLE   0 0 99,617
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 17,189 335,061 SH   SOLE   0 0 335,061