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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   1,441,306 7,663 SH   SOLE   0 0 7,663
DESTINATION XL GROUP INC COM 25065K104   68,780 13,867 SH   SOLE   0 0 13,867
EXXON MOBIL CORP COM 30231G102   431,298 4,070 SH   SOLE   0 0 4,070
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   386,685 7,642 SH   SOLE   0 0 7,642
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   763,560 54,579 SH   SOLE   0 0 54,579
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   202,002 4,514 SH   SOLE   0 0 4,514
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,488,264 9,045 SH   SOLE   0 0 9,045
ISHARES INC CORE MSCI EMKT 46434G103   676,840 13,624 SH   SOLE   0 0 13,624
ISHARES TR NEW YORK MUN ETF 464288323   1,061,504 20,020 SH   SOLE   0 0 20,020
ISHARES TR RUS 1000 VAL ETF 464287598   406,364 2,558 SH   SOLE   0 0 2,558
ISHARES TR CORE US AGGBD ET 464287226   269,526 2,778 SH   SOLE   0 0 2,778
ISHARES TR CORE S&P SCP ETF 464287804   2,416,311 24,019 SH   SOLE   0 0 24,019
ISHARES TR RUS 2000 VAL ETF 464287630   269,348 1,880 SH   SOLE   0 0 1,880
ISHARES TR NATIONAL MUN ETF 464288414   20,131,770 189,529 SH   SOLE   0 0 189,529
ISHARES TR SHRT NAT MUN ETF 464288158   4,411,560 42,452 SH   SOLE   0 0 42,452
ISHARES TR RUS 1000 ETF 464287622   1,851,813 7,595 SH   SOLE   0 0 7,595
ISHARES TR RUS 1000 GRW ETF 464287614   458,939 1,676 SH   SOLE   0 0 1,676
ISHARES TR CORE MSCI EAFE 46432F842   693,677 10,346 SH   SOLE   0 0 10,346
ISHARES TR MSCI USA ESG SLC 464288802   339,340 3,610 SH   SOLE   0 0 3,610
ISHARES TR CORE S&P500 ETF 464287200   109,223,668 245,480 SH   SOLE   0 0 245,480
ISHARES TR 0-5YR HI YL CP 46434V407   675,016 16,368 SH   SOLE   0 0 16,368
JOHNSON & JOHNSON COM 478160104   389,278 2,454 SH   SOLE   0 0 2,454
MICROSOFT CORP COM 594918104   286,922 863 SH   SOLE   0 0 863
NOVO-NORDISK A S ADR 670100205   232,486 1,527 SH   SOLE   0 0 1,527
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   627,406 21,968 SH   SOLE   0 0 21,968
NUSHARES ETF TR NUVEEN ENHNC YLD 67092P102   380,140 18,557 SH   SOLE   0 0 18,557
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   223,195 5,925 SH   SOLE   0 0 5,925
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888   567,157 20,579 SH   SOLE   0 0 20,579
PALO ALTO NETWORKS INC COM 697435105   275,253 1,100 SH   SOLE   0 0 1,100
PEPSICO INC COM 713448108   1,668,932 9,071 SH   SOLE   0 0 9,071
PIMCO ETF TR INTER MUN BD ACT 72201R866   428,154 8,304 SH   SOLE   0 0 8,304
PROCTER AND GAMBLE CO COM 742718109   364,425 2,461 SH   SOLE   0 0 2,461
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   992,628 32,072 SH   SOLE   0 0 32,072
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   63,647,828 1,966,867 SH   SOLE   0 0 1,966,867
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   738,572 17,606 SH   SOLE   0 0 17,606
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   47,823,214 1,382,973 SH   SOLE   0 0 1,382,973
SPDR SER TR PORTFOLIO S&P600 78468R853   15,314,453 390,775 SH   SOLE   0 0 390,775
SPDR SER TR BLOOMBERG EMERGI 78464A391   953,378 45,141 SH   SOLE   0 0 45,141
SPDR SER TR PORTFOLIO AGRGTE 78464A649   51,865,390 2,065,527 SH   SOLE   0 0 2,065,527
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   1,173,530 64,303 SH   SOLE   0 0 64,303
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   12,261,327 133,930 SH   SOLE   0 0 133,930
SPDR SER TR PORTFOLIO S&P500 78464A854   7,476,141 143,661 SH   SOLE   0 0 143,661
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   611,551 14,669 SH   SOLE   0 0 14,669
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   22,137,241 551,776 SH   SOLE   0 0 551,776
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   249,083 3,307 SH   SOLE   0 0 3,307
VANGUARD INDEX FDS GROWTH ETF 922908736   879,468 3,123 SH   SOLE   0 0 3,123
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   328,025 3,846 SH   SOLE   0 0 3,846
VANGUARD INDEX FDS SML CP GRW ETF 922908595   640,394 2,742 SH   SOLE   0 0 2,742
VANGUARD INDEX FDS VALUE ETF 922908744   585,455 4,105 SH   SOLE   0 0 4,105
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,074,603 25,072 SH   SOLE   0 0 25,072
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   221,169 544 SH   SOLE   0 0 544
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   592,204 4,192 SH   SOLE   0 0 4,192
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   729,511 3,495 SH   SOLE   0 0 3,495
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,461,333 8,686 SH   SOLE   0 0 8,686
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,700,742 139,212 SH   SOLE   0 0 139,212
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,070,964 81,403 SH   SOLE   0 0 81,403
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   6,156,293 38,129 SH   SOLE   0 0 38,129
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,482,188 119,464 SH   SOLE   0 0 119,464
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   858,911 13,640 SH   SOLE   0 0 13,640
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,698,193 15,935 SH   SOLE   0 0 15,935
WISDOMTREE TR US SMALLCAP DIVD 97717W604   394,179 13,541 SH   SOLE   0 0 13,541
WISDOMTREE TR YIELD ENHANCD US 97717X511   370,391 8,654 SH   SOLE   0 0 8,654
WISDOMTREE TR EMER MKT HIGH FD 97717W315   2,441,037 64,137 SH   SOLE   0 0 64,137
WISDOMTREE TR INTL EQUITY FD 97717W703   257,791 5,178 SH   SOLE   0 0 5,178
YUM BRANDS INC COM 988498101   231,252 1,724 SH   SOLE   0 0 1,724