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
Expires: July 31, 2015
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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
iShares 1-3 Year Treasury Bond ETF ETF 464287457 20,118,970 242,514 SH SOLE 0 242,514 0 0
Nuveen ESG U.S. Small Cap ETF ETF 67092P607 1,533,445 34,772 SH SOLE 0 34,772 0 0
iShares ESG Aware MSCI U.S. Stock Market ETF ETF 46435G425 9,575,093 65,763 SH SOLE 0 65,763 0 0
iShares ESG Aware Year Corporate Bond ETF ETF 46435G193 3,597,918 152,713 SH SOLE 0 152,713 0 0
iShares ESG Aware 1-5 Year Corporate Bond ETF ETF 46435G243 3,587,110 141,727 SH SOLE 0 141,727 0 0
JP Morgan U.S. Momentum Factor ETF ETF 46641Q779 29,512,933 434,635 SH SOLE 0 434,635 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 3,911,622 38,848 SH SOLE 0 38,848 0 0
iShares S&P Small Cap ETF ETF 464287804 3,053,701 25,698 SH SOLE 0 25,698 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 276,965 11,379 SH SOLE 0 11,379 0 0
iShares MSCI International Developed Markets ETF ETF 46435G326 56,588,130 705,852 SH SOLE 0 705,851 0 0
ISHARES IBONDS 2025 TERM HIGH YIELD AND INCOME ETF ETF 46435U168 637,591 27,459 SH SOLE 0 27,458 0 0
Avantis U.S. Small Cap Value ETF ETF 025072877 9,286,846 93,307 SH SOLE 0 93,307 0 0
Avantis International Small Cap Value ETF ETF 025072802 7,424,568 83,394 SH SOLE 0 83,394 0 0
ISHARES IBONDS DEC 2025 TERM TREASURY ETF ETF 46436E866 1,913,808 81,909 SH SOLE 0 81,909 0 0
ISHARES IBONDS DEC 2026 TERM TREASURY ETF ETF 46436E858 1,435,390 62,544 SH SOLE 0 62,544 0 0
ISHARES FLOATING RATE BOND ETF ETF 46429B655 1,196,393 23,420 SH SOLE 0 23,419 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 1,516,925 15,064 SH SOLE 0 15,063 0 0
iShares ESG Advanced MSCI EAFE ETF ETF 46436E759 3,608,860 47,648 SH SOLE 0 47,648 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INCOME ETF ETF 46436E528 559,238 23,909 SH SOLE 0 23,909 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 307,210 7,965 SH SOLE 0 7,965 0 0
ISHARES IBONDS 2027 TERM HIGH YIELD AND INCOME ETF ETF 46436E478 479,169 21,306 SH SOLE 0 21,305 0 0
iShares U.S. Treasury Bond ETF ETF 46429B267 10,025,366 433,623 SH SOLE 0 433,623 0 0
iShares S&P Total U.S. Stock Market ETF ETF 464287150 179,717,439 1,233,899 SH SOLE 0 1,233,899 0 0
Dimensional Sustainable Emerging Markets ETF ETF 25434V682 2,107,013 51,278 SH SOLE 0 51,278 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 226,269 2,740 SH SOLE 0 2,740 0 0
iShares MSCI EAFE ETF ETF 46432F842 1,394,428 15,971 SH SOLE 0 15,971 0 0
iShares 1-5 Year Investment Grade Corporate Bond ETF ETF 464288646 52,219,395 984,714 SH SOLE 0 984,714 0 0
iShares MSCI Emerging Markets ETF ETF 46434G103 6,789,346 102,994 SH SOLE 0 102,993 0 0
iShares 10 Year Investment Grade Corporate Bond ETF ETF 464289511 11,469,152 222,529 SH SOLE 0 222,529 0 0
BlackRock Short Duration Bond ETF ETF 46431W507 9,625,068 187,696 SH SOLE 0 187,696 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 1,611,604 7,804 SH SOLE 0 7,804 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 2,304,183 19,087 SH SOLE 0 19,087 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 1,806,859 74,356 SH SOLE 0 74,356 0 0
Dimensional Emerging Markets ETF ETF 25434V732 34,851,014 1,086,717 SH SOLE 0 1,086,717 0 0
iShares 0-5 Year High-Yield Corporate Bond ETF ETF 46434V407 2,122,641 49,022 SH SOLE 0 49,021 0 0
iShares 10-20 Year Treasury Bond ETF ETF 464288653 816,608 7,929 SH SOLE 0 7,929 0 0
iShares 5-10 Year Investment Grade Corporate Bond ETF ETF 464288638 87,206,717 1,612,252 SH SOLE 0 1,612,252 0 0
iShares 3-7 Year Treasury Bond ETF ETF 464288661 29,350,212 245,588 SH SOLE 0 245,587 0 0
Vanguard Dividend Appreciation ETF ETF 921908844 28,606,762 132,568 SH SOLE 0 132,567 0 0
iShares 7-10 Year Treasury Bond ETF ETF 464287440 593,133 6,149 SH SOLE 0 6,149 0 0
iShares 20 Year Treasury Bond ETF ETF 464287432 9,405,866 105,246 SH SOLE 0 105,246 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 1,407,747 30,138 SH SOLE 0 30,138 0 0
iShares JP Morgan Emerging Markets Bond ETF ETF 464288281 1,087,451 11,424 SH SOLE 0 11,424 0 0
ISHARES MSCI ACWI ETF ETF 464288257 3,063,699 22,162 SH SOLE 0 22,162 0 0
iShares MSCI International Quality Factor ETF ETF 46434V456 12,797,932 289,612 SH SOLE 0 289,611 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 1,962,211 77,896 SH SOLE 0 77,896 0 0
iShares MSCI International Momentum Factor ETF ETF 46434V449 13,768,253 287,558 SH SOLE 0 287,557 0 0