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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 4,358,189 127,507 SH SOLE 0 0 127,507
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,172,620 16,103 SH SOLE 0 0 16,103
ISHARES TR CORE TOTAL USD 46434V613 14,419,817 311,915 SH SOLE 0 0 311,915
ISHARES TR HDG MSCI EAFE 46434V803 2,839,712 74,808 SH SOLE 0 0 74,808
ISHARES TR EAFE GRWTH ETF 464288885 9,637,167 86,046 SH SOLE 0 0 86,046
ISHARES TR EAFE VALUE ETF 464288877 14,646,518 230,726 SH SOLE 0 0 230,726
ISHARES INC MSCI EMRG CHN 46434G764 2,396,650 37,958 SH SOLE 0 0 37,958
ISHARES TR MSCI USA QLT FCT 46432F339 8,640,439 47,262 SH SOLE 0 0 47,262
ISHARES TR S&P 100 ETF 464287101 8,402,190 27,607 SH SOLE 0 0 27,607
ISHARES TR S&P 500 GRWT ETF 464287309 42,911,072 389,746 SH SOLE 0 0 389,746
ISHARES TR S&P 500 VAL ETF 464287408 32,977,216 168,750 SH SOLE 0 0 168,750
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 17,890,600 328,509 SH SOLE 0 0 328,509
ISHARES TR U.S. TECH ETF 464287721 9,606,752 55,444 SH SOLE 0 0 55,444
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 30,077,383 1,294,208 SH SOLE 0 0 1,294,208
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606 6,366,095 267,483 SH SOLE 0 0 267,483
SPDR SERIES TRUST PORT MTG BK ETF 78464A383 18,247,371 825,673 SH SOLE 0 0 825,673
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,044,857 61,562 SH SOLE 0 0 61,562
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 11,611,958 206,913 SH SOLE 0 0 206,913
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 3,553,279 67,246 SH SOLE 0 0 67,246
WORLD GOLD TR SPDR GLD MINIS 98149E303 4,768,611 72,781 SH SOLE 0 0 72,781
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,712,016 53,949 SH SOLE 0 0 53,949
VANGUARD INDEX FDS GROWTH ETF 922908736 11,401,030 26,006 SH SOLE 0 0 26,006
ISHARES TR ISHS 1-5YR INVS 464288646 1,888,558 35,795 SH SOLE 0 0 35,795
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,783,645 77,170 SH SOLE 0 0 77,170
ISHARES TR 10-20 YR TRS ETF 464288653 2,103,628 20,705 SH SOLE 0 0 20,705
ISHARES TR NATIONAL MUN ETF 464288414 5,104,161 48,853 SH SOLE 0 0 48,853
ISHARES TR SHRT NAT MUN ETF 464288158 257,875 2,425 SH SOLE 0 0 2,425
VANGUARD INDEX FDS VALUE ETF 922908744 6,320,399 35,761 SH SOLE 0 0 35,761
ISHARES TR MSCI USA MIN VOL 46429B697 593,071 6,318 SH SOLE 0 0 6,318
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 770,723 15,350 SH SOLE 0 0 15,350
AMAZON COM INC COM 023135106 817,447 3,726 SH SOLE 0 0 3,726
SPDR S&P 500 ETF TR TR UNIT 78462F103 542,472 878 SH SOLE 0 0 878
VANGUARD WORLD FD INF TECH ETF 92204A702 591,646 892 SH SOLE 0 0 892
ISHARES TR CORE MSCI EAFE 46432F842 325,489 3,899 SH SOLE 0 0 3,899
ISHARES INC CORE MSCI EMKT 46434G103 251,286 4,186 SH SOLE 0 0 4,186
ISHARES TR MSCI USA MMENTM 46432F396 484,725 2,017 SH SOLE 0 0 2,017
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,478,212 25,929 SH SOLE 0 0 25,929
ENCOMPASS HEALTH CORP COM 29261A100 1,072,322 8,744 SH SOLE 0 0 8,744
VANGUARD INDEX FDS TOTAL STK MKT 922908769 221,261 728 SH SOLE 0 0 728
APPLE INC COM 037833100 388,797 1,895 SH SOLE 0 0 1,895
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 988,554 33,843 SH SOLE 0 0 33,843
EXXON MOBIL CORP COM 30231G102 238,777 2,215 SH SOLE 0 0 2,215
ISHARES TR MSCI EAFE ETF 464287465 254,225 2,844 SH SOLE 0 0 2,844
ISHARES TR 1 3 YR TREAS BD 464287457 219,579 2,650 SH SOLE 0 0 2,650
ISHARES TR CORE S&P500 ETF 464287200 373,782 602 SH SOLE 0 0 602
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 366,600 15,000 SH SOLE 0 0 15,000
SPDR SERIES TRUST NUVEEN ICE MUNIC 78468R721 799,816 17,905 SH SOLE 0 0 17,905
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 341,978 3,640 SH SOLE 0 0 3,640