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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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
APPLE INC COM 037833100 403 2,257 SH   SOLE   0 0 2,257
DBX ETF TR XTRACK USD HIGH 233051432 76,576 1,922,091 SH   SOLE   0 0 1,922,091
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 3,930 126,586 SH   SOLE   0 0 126,586
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 177,533 1,866,021 SH   SOLE   0 0 1,866,021
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 106,426 2,875,605 SH   SOLE   0 0 2,875,605
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 119,095 3,376,665 SH   SOLE   0 0 3,376,665
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 64,110 2,439,259 SH   SOLE   0 0 2,439,259
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 1,894 86,519 SH   SOLE   0 0 86,519
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,871 10,897 SH   SOLE   0 0 10,897
ISHARES INC CORE MSCI EMKT 46434G103 76,102 1,305,067 SH   SOLE   0 0 1,305,067
ISHARES INC ESG AWR MSCI EM 46434G863 1,901 47,855 SH   SOLE   0 0 47,855
ISHARES TR CRE U S REIT ETF 464288521 3,087 50,593 SH   SOLE   0 0 50,593
ISHARES TR GLOBAL FINLS ETF 464287333 1,137 14,493 SH   SOLE   0 0 14,493
ISHARES TR ESG AWARE MSCI 46435U663 921 23,022 SH   SOLE   0 0 23,022
ISHARES TR MBS ETF 464288588 1,857 17,469 SH   SOLE   0 0 17,469
ISHARES TR U.S. ENERGY ETF 464287796 1,030 33,874 SH   SOLE   0 0 33,874
ISHARES TR EAFE GRWTH ETF 464288885 4,715 43,807 SH   SOLE   0 0 43,807
ISHARES TR ESG AWR MSCI USA 46435G425 12,525 118,731 SH   SOLE   0 0 118,731
ISHARES TR RUSSELL 2000 ETF 464287655 884 3,973 SH   SOLE   0 0 3,973
ISHARES TR IBOXX HI YD ETF 464288513 1,555 17,886 SH   SOLE   0 0 17,886
ISHARES TR RUS 1000 ETF 464287622 3,567 14,713 SH   SOLE   0 0 14,713
ISHARES TR NATIONAL MUN ETF 464288414 1,004 10,482 SH   SOLE   0 0 10,482
ISHARES TR 1 3 YR TREAS BD 464287457 5,634 67,807 SH   SOLE   0 0 67,807
ISHARES TR CORE US AGGBD ET 464287226 241,428 2,121,720 SH   SOLE   0 0 2,121,720
ISHARES TR CORE TOTAL USD 46434V613 145,274 2,745,634 SH   SOLE   0 0 2,745,634
ISHARES TR ESG AW MSCI EAFE 46435G516 1,028 13,200 SH   SOLE   0 0 13,200
ISHARES TR ISHS 1-5YR INVS 464288646 981 18,393 SH   SOLE   0 0 18,393
ISHARES TR EAFE VALUE ETF 464288877 4,688 95,774 SH   SOLE   0 0 95,774
ISHARES TR ESG MSCI USA ETF 46436E767 1,471 37,633 SH   SOLE   0 0 37,633
ISHARES TR US TREAS BD ETF 46429B267 6,157 233,563 SH   SOLE   0 0 233,563
ISHARES TR MSCI USA MULTIFT 46434V282 91,873 1,973,216 SH   SOLE   0 0 1,973,216
ISHARES TR ESG EAFE ETF 46436E759 677 9,979 SH   SOLE   0 0 9,979
ISHARES TR MSCI USA MIN VOL 46429B697 886 11,445 SH   SOLE   0 0 11,445
ISHARES TR JPMORGAN USD EMG 464288281 14,178 136,623 SH   SOLE   0 0 136,623
ISHARES TR GLOBAL TECH ETF 464287291 1,545 24,618 SH   SOLE   0 0 24,618
ISHARES TR CORE S&P MCP ETF 464287507 2,244 7,904 SH   SOLE   0 0 7,904
ISHARES TR CORE S&P SCP ETF 464287804 47,953 419,181 SH   SOLE   0 0 419,181
ISHARES TR CORE S&P TTL STK 464287150 368,665 3,469,106 SH   SOLE   0 0 3,469,106
ISHARES TR MSCI INTL MULTFT 46434V274 1,323 45,915 SH   SOLE   0 0 45,915
ISHARES TR MSCI KLD400 SOC 464288570 250 2,715 SH   SOLE   0 0 2,715
ISHARES TR ESG ADV TTL USD 46436E619 2,055 41,789 SH   SOLE   0 0 41,789
ISHARES TR ESG AWRE 1 5 YR 46435G243 252 9,848 SH   SOLE   0 0 9,848
ISHARES TR MSCI USA VALUE 46432F388 1,923 18,412 SH   SOLE   0 0 18,412
ISHARES TR FALN ANGLS USD 46435G474 3,829 130,382 SH   SOLE   0 0 130,382
ISHARES TR TIPS BD ETF 464287176 8,601 68,109 SH   SOLE   0 0 68,109
ISHARES TR CORE MSCI EAFE 46432F842 66,141 903,554 SH   SOLE   0 0 903,554
ISHARES TR CORE S&P500 ETF 464287200 18,228 52,367 SH   SOLE   0 0 52,367
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,436 42,103 SH   SOLE   0 0 42,103
SCHWAB STRATEGIC TR US REIT ETF 808524847 986 21,826 SH   SOLE   0 0 21,826
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,999 284,848 SH   SOLE   0 0 284,848
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,260 224,181 SH   SOLE   0 0 224,181
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 6,078 113,892 SH   SOLE   0 0 113,892
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,215 18,919 SH   SOLE   0 0 18,919
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 541 75,482 SH   SOLE   0 0 75,482
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 12,947 121,988 SH   SOLE   0 0 121,988
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,778 17,481 SH   SOLE   0 0 17,481
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,612 33,031 SH   SOLE   0 0 33,031
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 23,679 686,443 SH   SOLE   0 0 686,443
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 23,309 606,373 SH   SOLE   0 0 606,373
SPDR SER TR PORTFOLIO SH TSR 78468R101 5,976 204,986 SH   SOLE   0 0 204,986
SPDR SER TR PORTFLI TIPS ETF 78464A656 3,482 116,950 SH   SOLE   0 0 116,950
SPDR SER TR PORTFOLIO AGRGTE 78464A649 19,306 674,204 SH   SOLE   0 0 674,204
SPDR SER TR PORTFOLI S&P1500 78464A805 39,520 739,575 SH   SOLE   0 0 739,575
SPDR SER TR PRTFLO S&P500 GW 78464A409 10,416 166,408 SH   SOLE   0 0 166,408
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,337 39,084 SH   SOLE   0 0 39,084
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11,146 136,728 SH   SOLE   0 0 136,728
VANGUARD BD INDEX FDS INTERMED TERM 921937819 6,546 74,011 SH   SOLE   0 0 74,011
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 6,698 65,070 SH   SOLE   0 0 65,070
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 13,030 232,739 SH   SOLE   0 0 232,739
VANGUARD INDEX FDS MID CAP ETF 922908629 1,147 4,500 SH   SOLE   0 0 4,500
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 23,011 53,703 SH   SOLE   0 0 53,703
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 257 2,624 SH   SOLE   0 0 2,624
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,252 5,561 SH   SOLE   0 0 5,561
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 145,238 793,779 SH   SOLE   0 0 793,779
VANGUARD INDEX FDS VALUE ETF 922908744 1,133 8,024 SH   SOLE   0 0 8,024
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,601 7,243 SH   SOLE   0 0 7,243
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,749 52,184 SH   SOLE   0 0 52,184
VANGUARD INDEX FDS GROWTH ETF 922908736 1,730 5,475 SH   SOLE   0 0 5,475
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,581 236,523 SH   SOLE   0 0 236,523
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,065 93,836 SH   SOLE   0 0 93,836
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 6,377 119,586 SH   SOLE   0 0 119,586
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 20,532 411,338 SH   SOLE   0 0 411,338