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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN ETFS BBRG ALL COMD K1 003261104   2,049,508 98,677 SH   SOLE   0 0 98,677
APPLE INC COM 037833100   435,320 2,467 SH   SOLE   0 0 2,467
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   1,390,406 30,734 SH   SOLE   0 0 30,734
DBX ETF TR XTRACK USD HIGH 233051432   692,562 19,930 SH   SOLE   0 0 19,930
DBX ETF TR XTRCKR MSCI US 233051150   6,596,345 175,541 SH   SOLE   0 0 175,541
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   2,812,046 112,651 SH   SOLE   0 0 112,651
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   85,194,175 2,861,754 SH   SOLE   0 0 2,861,754
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   120,272,742 3,903,701 SH   SOLE   0 0 3,903,701
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   158,458,100 1,950,977 SH   SOLE   0 0 1,950,977
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   62,187,941 4,373,292 SH   SOLE   0 0 4,373,292
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   3,211,894 156,030 SH   SOLE   0 0 156,030
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   1,870,531 101,881 SH   SOLE   0 0 101,881
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   5,388,379 40,843 SH   SOLE   0 0 40,843
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,438,769 9,177 SH   SOLE   0 0 9,177
ISHARES INC CORE MSCI EMKT 46434G103   67,457,018 1,387,166 SH   SOLE   0 0 1,387,166
ISHARES INC ESG AWR MSCI EM 46434G863   4,467,089 141,782 SH   SOLE   0 0 141,782
ISHARES TR 1 3 YR TREAS BD 464287457   4,280,074 52,493 SH   SOLE   0 0 52,493
ISHARES TR 10-20 YR TRS ETF 464288653   1,552,704 13,556 SH   SOLE   0 0 13,556
ISHARES TR 20 YR TR BD ETF 464287432   264,825 2,421 SH   SOLE   0 0 2,421
ISHARES TR BROAD USD HIGH 46435U853   60,613,877 1,705,039 SH   SOLE   0 0 1,705,039
ISHARES TR CORE DIV GRWTH 46434V621   410,418 8,210 SH   SOLE   0 0 8,210
ISHARES TR CORE MSCI EAFE 46432F842   81,803,822 1,221,994 SH   SOLE   0 0 1,221,994
ISHARES TR CORE TOTAL USD 46434V613   144,653,976 3,134,435 SH   SOLE   0 0 3,134,435
ISHARES TR CORE US AGGBD ET 464287226   255,488,911 2,564,449 SH   SOLE   0 0 2,564,449
ISHARES TR CRE U S REIT ETF 464288521   2,378,144 40,238 SH   SOLE   0 0 40,238
ISHARES TR EAFE GRWTH ETF 464288885   6,468,745 69,052 SH   SOLE   0 0 69,052
ISHARES TR EAFE VALUE ETF 464288877   4,224,415 87,048 SH   SOLE   0 0 87,048
ISHARES TR ESG ADV TTL USD 46436E619   7,976,771 184,520 SH   SOLE   0 0 184,520
ISHARES TR ESG ADVNCD HY BD 46435G441   3,001,429 67,646 SH   SOLE   0 0 67,646
ISHARES TR ESG AW MSCI EAFE 46435G516   972,946 13,532 SH   SOLE   0 0 13,532
ISHARES TR ESG AWARE MSCI 46435U663   5,064,139 148,990 SH   SOLE   0 0 148,990
ISHARES TR ESG AWR MSCI USA 46435G425   4,634,887 51,243 SH   SOLE   0 0 51,243
ISHARES TR ESG AWR US AGRGT 46435U549   10,625,926 221,098 SH   SOLE   0 0 221,098
ISHARES TR ESG AWRE USD ETF 46435G193   1,220,807 53,044 SH   SOLE   0 0 53,044
ISHARES TR ESG EAFE ETF 46436E759   5,123,162 85,974 SH   SOLE   0 0 85,974
ISHARES TR ESG MSCI USA ETF 46436E767   10,712,060 323,921 SH   SOLE   0 0 323,921
ISHARES TR FALN ANGLS USD 46435G474   586,239 23,199 SH   SOLE   0 0 23,199
ISHARES TR IBOXX HI YD ETF 464288513   671,657 8,850 SH   SOLE   0 0 8,850
ISHARES TR INTL EQTY FACTOR 46434V274   3,434,593 129,656 SH   SOLE   0 0 129,656
ISHARES TR JPMORGAN USD EMG 464288281   70,947,588 823,369 SH   SOLE   0 0 823,369
ISHARES TR MBS ETF 464288588   6,442,271 68,007 SH   SOLE   0 0 68,007
ISHARES TR MSCI EAFE ETF 464287465   2,534,261 35,407 SH   SOLE   0 0 35,407
ISHARES TR MSCI EMG MKT ETF 464287234   691,847 17,533 SH   SOLE   0 0 17,533
ISHARES TR MSCI KLD400 SOC 464288570   1,497,252 19,198 SH   SOLE   0 0 19,198
ISHARES TR MSCI USA MIN VOL 46429B697   2,042,466 28,079 SH   SOLE   0 0 28,079
ISHARES TR MSCI USA QLT FCT 46432F339   6,848,137 55,198 SH   SOLE   0 0 55,198
ISHARES TR NATIONAL MUN ETF 464288414   28,697,091 266,182 SH   SOLE   0 0 266,182
ISHARES TR RUS 1000 ETF 464287622   5,243,185 24,368 SH   SOLE   0 0 24,368
ISHARES TR RUS TP200 GR ETF 464289438   5,911,808 42,554 SH   SOLE   0 0 42,554
ISHARES TR RUSSELL 2000 ETF 464287655   1,054,711 5,912 SH   SOLE   0 0 5,912
ISHARES TR SHRT NAT MUN ETF 464288158   399,354 3,815 SH   SOLE   0 0 3,815
ISHARES TR TIPS BD ETF 464287176   4,261,201 37,911 SH   SOLE   0 0 37,911
ISHARES TR U S EQUITY FACTR 46434V282   84,047,338 2,028,176 SH   SOLE   0 0 2,028,176
ISHARES TR U.S. TECH ETF 464287721   2,914,141 31,399 SH   SOLE   0 0 31,399
ISHARES TR US INFRASTRUC 46435U713   529,496 14,188 SH   SOLE   0 0 14,188
ISHARES TR US TREAS BD ETF 46429B267   5,841,559 249,853 SH   SOLE   0 0 249,853
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   9,149,209 180,138 SH   SOLE   0 0 180,138
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   1,062,938 20,524 SH   SOLE   0 0 20,524
JOHN HANCOCK EXCHANGE TRADED MULTFCTR EMRNG 47804J834   328,607 13,562 SH   SOLE   0 0 13,562
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859   350,287 11,410 SH   SOLE   0 0 11,410
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   336,261 7,023 SH   SOLE   0 0 7,023
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   6,913,875 276,355 SH   SOLE   0 0 276,355
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,370,038 211,862 SH   SOLE   0 0 211,862
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,584,185 32,768 SH   SOLE   0 0 32,768
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   6,092,486 132,780 SH   SOLE   0 0 132,780
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   11,320,957 218,058 SH   SOLE   0 0 218,058
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,964,924 47,692 SH   SOLE   0 0 47,692
SCHWAB STRATEGIC TR US REIT ETF 808524847   743,593 34,884 SH   SOLE   0 0 34,884
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,606,712 47,002 SH   SOLE   0 0 47,002
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   19,704,093 598,629 SH   SOLE   0 0 598,629
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   19,278,545 532,080 SH   SOLE   0 0 532,080
SPDR SER TR PORTFLI TIPS ETF 78464A656   3,145,251 112,666 SH   SOLE   0 0 112,666
SPDR SER TR PORTFOLIO AGRGTE 78464A649   38,154,186 1,408,663 SH   SOLE   0 0 1,408,663
SPDR SER TR PORTFOLIO SH TSR 78468R101   4,980,977 162,596 SH   SOLE   0 0 162,596
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   2,141,059 46,074 SH   SOLE   0 0 46,074
VANGUARD BD INDEX FDS INTERMED TERM 921937819   7,449,139 97,063 SH   SOLE   0 0 97,063
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   5,083,755 66,333 SH   SOLE   0 0 66,333
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   10,484,637 137,072 SH   SOLE   0 0 137,072
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,166,571 82,266 SH   SOLE   0 0 82,266
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   11,385,043 232,728 SH   SOLE   0 0 232,728
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   88,491,669 631,184 SH   SOLE   0 0 631,184
VANGUARD INDEX FDS GROWTH ETF 922908736   1,800,957 7,220 SH   SOLE   0 0 7,220
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,360,125 17,987 SH   SOLE   0 0 17,987
VANGUARD INDEX FDS MID CAP ETF 922908629   887,358 4,207 SH   SOLE   0 0 4,207
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   263,585 2,820 SH   SOLE   0 0 2,820
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,573,060 18,849 SH   SOLE   0 0 18,849
VANGUARD INDEX FDS TOTAL STK MKT 922908769   12,537,336 56,423 SH   SOLE   0 0 56,423
VANGUARD INDEX FDS VALUE ETF 922908744   1,569,620 11,365 SH   SOLE   0 0 11,365
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   23,636,246 570,933 SH   SOLE   0 0 570,933
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   20,797,602 410,533 SH   SOLE   0 0 410,533
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   5,446,495 117,003 SH   SOLE   0 0 117,003
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   8,859,092 151,334 SH   SOLE   0 0 151,334
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   28,668,734 153,860 SH   SOLE   0 0 153,860
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   8,234,924 114,247 SH   SOLE   0 0 114,247
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   57,101,228 1,258,829 SH   SOLE   0 0 1,258,829
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,256,123 20,159 SH   SOLE   0 0 20,159
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   282,002 2,673 SH   SOLE   0 0 2,673