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
ABRDN ETFS BBRG ALL COMD K1 003261104 1,970 75,462 SH   SOLE   0 0 75,462
APPLE INC COM 037833100 366 2,047 SH   SOLE   0 0 2,047
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 430 16,413 SH   SOLE   0 0 16,413
DBX ETF TR XTRCKR MSCI US 233051150 2,902 87,803 SH   SOLE   0 0 87,803
DBX ETF TR XTRACK USD HIGH 233051432 602 18,319 SH   SOLE   0 0 18,319
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 3,400 110,507 SH   SOLE   0 0 110,507
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 72,789 2,804,985 SH   SOLE   0 0 2,804,985
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 97,358 3,911,549 SH   SOLE   0 0 3,911,549
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 136,888 1,900,968 SH   SOLE   0 0 1,900,968
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 63,509 3,877,080 SH   SOLE   0 0 3,877,080
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 3,313 155,366 SH   SOLE   0 0 155,366
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 2,276 141,041 SH   SOLE   0 0 141,041
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,317 9,369 SH   SOLE   0 0 9,369
ISHARES INC MSCI EMERG MRKT 464286533 2,870 51,725 SH   SOLE   0 0 51,725
ISHARES INC CORE MSCI EMKT 46434G103 51,696 1,131,549 SH   SOLE   0 0 1,131,549
ISHARES INC ESG AWR MSCI EM 46434G863 2,451 83,513 SH   SOLE   0 0 83,513
ISHARES TR CORE DIV GRWTH 46434V621 216 4,006 SH   SOLE   0 0 4,006
ISHARES TR SHRT NAT MUN ETF 464288158 540 5,633 SH   SOLE   0 0 5,633
ISHARES TR ESG AWARE MSCI 46435U663 3,104 90,483 SH   SOLE   0 0 90,483
ISHARES TR 10-20 YR TRS ETF 464288653 1,461 11,470 SH   SOLE   0 0 11,470
ISHARES TR 20 YR TR BD ETF 464287432 273 2,616 SH   SOLE   0 0 2,616
ISHARES TR CRE U S REIT ETF 464288521 2,759 43,760 SH   SOLE   0 0 43,760
ISHARES TR U.S. ENERGY ETF 464287796 429 4,777 SH   SOLE   0 0 4,777
ISHARES TR EAFE GRWTH ETF 464288885 5,474 50,918 SH   SOLE   0 0 50,918
ISHARES TR ESG AWR MSCI USA 46435G425 16,172 142,854 SH   SOLE   0 0 142,854
ISHARES TR MBS ETF 464288588 1,963 17,224 SH   SOLE   0 0 17,224
ISHARES TR RUSSELL 2000 ETF 464287655 855 5,146 SH   SOLE   0 0 5,146
ISHARES TR BROAD USD HIGH 46435U853 55,586 1,644,079 SH   SOLE   0 0 1,644,079
ISHARES TR CORE TOTAL USD 46434V613 128,699 2,902,424 SH   SOLE   0 0 2,902,424
ISHARES TR IBOXX HI YD ETF 464288513 748 10,352 SH   SOLE   0 0 10,352
ISHARES TR NATIONAL MUN ETF 464288414 2,089 20,119 SH   SOLE   0 0 20,119
ISHARES TR 1 3 YR TREAS BD 464287457 4,793 59,101 SH   SOLE   0 0 59,101
ISHARES TR RUS 1000 ETF 464287622 4,269 22,080 SH   SOLE   0 0 22,080
ISHARES TR CORE US AGGBD ET 464287226 224,908 2,318,029 SH   SOLE   0 0 2,318,029
ISHARES TR EAFE VALUE ETF 464288877 6,058 100,801 SH   SOLE   0 0 100,801
ISHARES TR ESG AW MSCI EAFE 46435G516 1,168 10,301 SH   SOLE   0 0 10,301
ISHARES TR ESG MSCI USA ETF 46436E767 5,802 183,418 SH   SOLE   0 0 183,418
ISHARES TR ESG AWRE USD ETF 46435G193 341 31,206 SH   SOLE   0 0 31,206
ISHARES TR US INFRASTRUC 46435U713 589 13,700 SH   SOLE   0 0 13,700
ISHARES TR ESG AWR US AGRGT 46435U549 4,626 99,389 SH   SOLE   0 0 99,389
ISHARES TR US TREAS BD ETF 46429B267 7,738 418,294 SH   SOLE   0 0 418,294
ISHARES TR CORE HIGH DV ETF 46429B663 1,856 13,919 SH   SOLE   0 0 13,919
ISHARES TR U S EQUITY FACTR 46434V282 72,672 1,979,099 SH   SOLE   0 0 1,979,099
ISHARES TR ESG EAFE ETF 46436E759 2,631 52,585 SH   SOLE   0 0 52,585
ISHARES TR MSCI USA MIN VOL 46429B697 5,157 70,881 SH   SOLE   0 0 70,881
ISHARES TR JPMORGAN USD EMG 464288281 65,145 799,781 SH   SOLE   0 0 799,781
ISHARES TR CORE S&P MCP ETF 464287507 1,972 8,893 SH   SOLE   0 0 8,893
ISHARES TR CORE S&P SCP ETF 464287804 63,975 716,171 SH   SOLE   0 0 716,171
ISHARES TR CORE S&P TTL STK 464287150 305,737 3,595,716 SH   SOLE   0 0 3,595,716
ISHARES TR INTL EQTY FACTOR 46434V274 2,413 114,419 SH   SOLE   0 0 114,419
ISHARES TR MSCI KLD400 SOC 464288570 560 20,819 SH   SOLE   0 0 20,819
ISHARES TR ESG ADV TTL USD 46436E619 6,006 132,148 SH   SOLE   0 0 132,148
ISHARES TR ESG ADVNCD HY BD 46435G441 1,438 33,933 SH   SOLE   0 0 33,933
ISHARES TR FALN ANGLS USD 46435G474 3,796 53,360 SH   SOLE   0 0 53,360
ISHARES TR CONV BD ETF 46435G102 1,151 10,949 SH   SOLE   0 0 10,949
ISHARES TR IBOXX INV CP ETF 464287242 419 6,217 SH   SOLE   0 0 6,217
ISHARES TR TIPS BD ETF 464287176 8,110 55,254 SH   SOLE   0 0 55,254
ISHARES TR CORE MSCI EAFE 46432F842 56,481 991,273 SH   SOLE   0 0 991,273
ISHARES TR CORE S&P500 ETF 464287200 26,213 105,552 SH   SOLE   0 0 105,552
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,779 21,342 SH   SOLE   0 0 21,342
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 277 5,679 SH   SOLE   0 0 5,679
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 841 16,621 SH   SOLE   0 0 16,621
JOHN HANCOCK EXCHANGE TRADED MULTFCTR EMRNG 47804J834 288 11,058 SH   SOLE   0 0 11,058
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859 291 9,742 SH   SOLE   0 0 9,742
SCHWAB STRATEGIC TR US REIT ETF 808524847 844 37,851 SH   SOLE   0 0 37,851
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,205 271,233 SH   SOLE   0 0 271,233
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,640 208,942 SH   SOLE   0 0 208,942
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,389 128,685 SH   SOLE   0 0 128,685
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,044 17,256 SH   SOLE   0 0 17,256
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,519 43,736 SH   SOLE   0 0 43,736
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 12,020 216,440 SH   SOLE   0 0 216,440
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,566 34,798 SH   SOLE   0 0 34,798
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 21,410 668,207 SH   SOLE   0 0 668,207
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 21,063 561,095 SH   SOLE   0 0 561,095
SPDR SER TR PORTFOLIO SH TSR 78468R101 5,483 176,389 SH   SOLE   0 0 176,389
SPDR SER TR PORTFLI TIPS ETF 78464A656 3,282 110,328 SH   SOLE   0 0 110,328
SPDR SER TR PORTFOLIO AGRGTE 78464A649 17,365 614,719 SH   SOLE   0 0 614,719
SPDR SER TR PORTFOLI S&P1500 78464A805 35,177 634,323 SH   SOLE   0 0 634,323
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,170 69,875 SH   SOLE   0 0 69,875
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 10,829 135,619 SH   SOLE   0 0 135,619
VANGUARD BD INDEX FDS INTERMED TERM 921937819 8,383 103,736 SH   SOLE   0 0 103,736
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 6,429 67,474 SH   SOLE   0 0 67,474
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 12,586 231,874 SH   SOLE   0 0 231,874
VANGUARD INDEX FDS MID CAP ETF 922908629 729 3,846 SH   SOLE   0 0 3,846
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 25,389 60,927 SH   SOLE   0 0 60,927
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,083 11,656 SH   SOLE   0 0 11,656
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 76,110 584,669 SH   SOLE   0 0 584,669
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 274 2,610 SH   SOLE   0 0 2,610
VANGUARD INDEX FDS VALUE ETF 922908744 1,459 10,112 SH   SOLE   0 0 10,112
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,588 15,588 SH   SOLE   0 0 15,588
VANGUARD INDEX FDS GROWTH ETF 922908736 2,064 7,113 SH   SOLE   0 0 7,113
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,044 49,056 SH   SOLE   0 0 49,056
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,674 262,297 SH   SOLE   0 0 262,297
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,038 116,299 SH   SOLE   0 0 116,299
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 6,140 116,002 SH   SOLE   0 0 116,002
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 22,386 492,077 SH   SOLE   0 0 492,077
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,151 20,009 SH   SOLE   0 0 20,009