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
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888   538,664 20,544 SH   SOLE   0 0 20,544
SPDR SER TR BLOOMBERG EMERGI 78464A391   922,868 46,539 SH   SOLE   0 0 46,539
SPDR SER TR PORTFOLIO S&P600 78468R853   14,358,156 389,110 SH   SOLE   0 0 389,110
ISHARES TR RUS 1000 GRW ETF 464287614   453,779 1,706 SH   SOLE   0 0 1,706
EXXON MOBIL CORP COM 30231G102   478,551 4,070 SH   SOLE   0 0 4,070
MICROSOFT CORP COM 594918104   240,917 763 SH   SOLE   0 0 763
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,655,806 16,026 SH   SOLE   0 0 16,026
DESTINATION XL GROUP INC COM 25065K104   62,124 13,867 SH   SOLE   0 0 13,867
NUSHARES ETF TR NUVEEN ENHNC YLD 67092P102   371,025 18,621 SH   SOLE   0 0 18,621
ISHARES TR CORE S&P500 ETF 464287200   104,331,111 242,953 SH   SOLE   0 0 242,953
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,351,273 136,477 SH   SOLE   0 0 136,477
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   61,476,809 1,982,483 SH   SOLE   0 0 1,982,483
ISHARES TR MSCI USA ESG SLC 464288802   325,961 3,623 SH   SOLE   0 0 3,623
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,184,315 86,992 SH   SOLE   0 0 86,992
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   630,082 15,027 SH   SOLE   0 0 15,027
WISDOMTREE TR YIELD ENHANCD US 97717X511   361,428 8,707 SH   SOLE   0 0 8,707
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   216,441 6,216 SH   SOLE   0 0 6,216
WISDOMTREE TR US SMALLCAP DIVD 97717W604   382,025 13,547 SH   SOLE   0 0 13,547
ISHARES TR NEW YORK MUN ETF 464288323   1,055,709 20,688 SH   SOLE   0 0 20,688
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,754,950 25,149 SH   SOLE   0 0 25,149
ISHARES TR CORE S&P SCP ETF 464287804   2,375,512 25,183 SH   SOLE   0 0 25,183
NOVO-NORDISK A S ADR 670100205   277,731 3,054 SH   SOLE   0 0 3,054
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,421,495 44,673 SH   SOLE   0 0 44,673
WISDOMTREE TR INTL EQUITY FD 97717W703   242,319 5,012 SH   SOLE   0 0 5,012
YUM BRANDS INC COM 988498101   215,344 1,724 SH   SOLE   0 0 1,724
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   21,152,811 547,291 SH   SOLE   0 0 547,291
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,859,365 37,710 SH   SOLE   0 0 37,710
PALO ALTO NETWORKS INC COM 697435105   257,884 1,100 SH   SOLE   0 0 1,100
VANGUARD INDEX FDS GROWTH ETF 922908736   848,518 3,116 SH   SOLE   0 0 3,116
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   851,421 13,757 SH   SOLE   0 0 13,757
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   290,080 3,834 SH   SOLE   0 0 3,834
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   1,160,609 64,193 SH   SOLE   0 0 64,193
VANGUARD INDEX FDS VALUE ETF 922908744   566,479 4,107 SH   SOLE   0 0 4,107
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   371,586 7,602 SH   SOLE   0 0 7,602
VANGUARD INDEX FDS SML CP GRW ETF 922908595   597,562 2,790 SH   SOLE   0 0 2,790
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   680,137 3,492 SH   SOLE   0 0 3,492
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   646,528 23,665 SH   SOLE   0 0 23,665
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   1,004,106 45,766 SH   SOLE   0 0 45,766
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   12,090,807 131,679 SH   SOLE   0 0 131,679
ISHARES TR SHRT NAT MUN ETF 464288158   4,342,183 42,215 SH   SOLE   0 0 42,215
WISDOMTREE TR EMER MKT HIGH FD 97717W315   2,229,106 59,475 SH   SOLE   0 0 59,475
JOHNSON & JOHNSON COM 478160104   356,668 2,290 SH   SOLE   0 0 2,290
ISHARES INC CORE MSCI EMKT 46434G103   625,856 13,151 SH   SOLE   0 0 13,151
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   723,731 32,295 SH   SOLE   0 0 32,295
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,379,110 8,647 SH   SOLE   0 0 8,647
PEPSICO INC COM 713448108   1,537,036 9,071 SH   SOLE   0 0 9,071
ISHARES TR 0-5YR HI YL CP 46434V407   700,259 17,067 SH   SOLE   0 0 17,067
PROCTER AND GAMBLE CO COM 742718109   358,961 2,461 SH   SOLE   0 0 2,461
SPDR SER TR PORTFOLIO S&P500 78464A854   7,262,535 144,499 SH   SOLE   0 0 144,499
ISHARES TR RUS 2000 VAL ETF 464287630   258,765 1,909 SH   SOLE   0 0 1,909
ISHARES TR RUS 1000 VAL ETF 464287598   372,566 2,454 SH   SOLE   0 0 2,454
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   46,358,791 1,380,959 SH   SOLE   0 0 1,380,959
ISHARES TR NATIONAL MUN ETF 464288414   19,914,909 194,216 SH   SOLE   0 0 194,216
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,181,680 118,520 SH   SOLE   0 0 118,520
ISHARES TR RUS 1000 ETF 464287622   1,731,757 7,372 SH   SOLE   0 0 7,372
PIMCO ETF TR INTER MUN BD ACT 72201R866   415,631 8,301 SH   SOLE   0 0 8,301
SPDR SER TR PORTFOLIO AGRGTE 78464A649   50,078,012 2,057,437 SH   SOLE   0 0 2,057,437
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   551,473 4,211 SH   SOLE   0 0 4,211
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   828,828 55,440 SH   SOLE   0 0 55,440
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   236,710 3,149 SH   SOLE   0 0 3,149
APPLE INC COM 037833100   1,312,842 7,668 SH   SOLE   0 0 7,668
ISHARES TR CORE MSCI EAFE 46432F842   659,180 10,244 SH   SOLE   0 0 10,244
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   213,629 544 SH   SOLE   0 0 544