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 MSCI EURP 233051853 2,850 92,092 SH   SOLE   92,092 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 2,759 27,550 SH   SOLE   27,550 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY CA MUN 45409F777 24,500 980,000 SH   SOLE   980,000 0 0
INDEXIQ ETF TR HDGD FTSE INTL 45409B560 158,141 6,313,018 SH   SOLE   6,313,018 0 0
INDEXIQ ETF TR IQ 500 INT ETF 45409B362 237,300 7,300,187 SH   SOLE   7,300,187 0 0
INDEXIQ ETF TR IQ CANDRM ESG US 45409B461 455,047 10,930,390 SH   SOLE   10,930,390 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B396 173,249 4,724,745 SH   SOLE   4,724,745 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B388 335,886 9,276,143 SH   SOLE   9,276,143 0 0
INDEXIQ ETF TR IQ CNDRM ESG INT 45409B453 203,978 6,804,990 SH   SOLE   6,804,990 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 14,830 671,039 SH   SOLE   671,039 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,449 40,917 SH   SOLE   40,917 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 7,934 175,147 SH   SOLE   175,147 0 0
ISHARES TR BROAD USD HIGH 46435U853 7,493 181,904 SH   SOLE   181,904 0 0
ISHARES TR CORE MSCI EAFE 46432F842 34,874 467,227 SH   SOLE   467,227 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,838 16,053 SH   SOLE   16,053 0 0
ISHARES TR CORE US AGGBD ET 464287226 15,765 138,190 SH   SOLE   138,190 0 0
ISHARES TR EAFE SML CP ETF 464288273 5,717 78,216 SH   SOLE   78,216 0 0
ISHARES TR ESG ADVNCD HY BD 46435G441 891 17,267 SH   SOLE   17,267 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 1,495 18,818 SH   SOLE   18,818 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 892 16,162 SH   SOLE   16,162 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 348 13,559 SH   SOLE   13,559 0 0
ISHARES TR ESG AWRE USD ETF 46435G193 474 17,359 SH   SOLE   17,359 0 0
ISHARES TR ESG SCRND S&P500 46436E569 1,111 30,238 SH   SOLE   30,238 0 0
ISHARES TR INTRM GOV CR ETF 464288612 32,942 289,598 SH   SOLE   289,598 0 0
ISHARES TR ISHARES SEMICDTR 464287523 745 1,374 SH   SOLE   1,374 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 16,364 97,447 SH   SOLE   97,447 0 0
ISHARES TR SHORT TREAS BD 464288679 17,402 157,474 SH   SOLE   157,474 0 0
ISHARES TR USD INV GRDE ETF 464288620 7,858 131,536 SH   SOLE   131,536 0 0
NUSHARES ETF TR ESG HI TLD CRP 67092P854 220 9,015 SH   SOLE   9,015 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 665 17,120 SH   SOLE   17,120 0 0
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 472 9,595 SH   SOLE   9,595 0 0
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508 735 19,886 SH   SOLE   19,886 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 792 18,844 SH   SOLE   18,844 0 0
NUSHARES ETF TR NUVEEN ESG US 67092P870 1,001 39,002 SH   SOLE   39,002 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 15,776 292,689 SH   SOLE   292,689 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 9,277 115,346 SH   SOLE   115,346 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 24,704 241,251 SH   SOLE   241,251 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 5,908 64,581 SH   SOLE   64,581 0 0
SPDR SER TR S&P 500 ESG ETF 78468R531 375 8,287 SH   SOLE   8,287 0 0
SPDR SER TR S&P OILGAS EXP 78468R556 1,507 15,716 SH   SOLE   15,716 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 2,059 64,275 SH   SOLE   64,275 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 17,960 70,494 SH   SOLE   70,494 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 4,560 66,830 SH   SOLE   66,830 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,356 55,770 SH   SOLE   55,770 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 48,201 286,772 SH   SOLE   286,772 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 11,405 106,772 SH   SOLE   106,772 0 0