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
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES RUSSELL MF Closed and MF Open 464287622 56,965,332 152,542 SH SOLE 22,299 0 0
ISHARES CORE MF Closed and MF Open 464287200 41,678,954 60,850 SH SOLE 7,853 0 0
ISHARES MSCI MF Closed and MF Open 464287465 23,823,386 248,082 SH SOLE 30,681 0 0
ISHARES 3-7YR MF Closed and MF Open 464288661 20,316,642 170,227 SH SOLE 24,182 0 0
VANGUARD MID MF Closed and MF Open 922908629 16,445,987 56,667 SH SOLE 7,588 0 0
ISHARES RUSSELL MF Closed and MF Open 464287598 16,362,929 77,792 SH SOLE 10,996 0 0
FIRST TRUST MF Closed and MF Open 33738R506 15,257,239 219,623 SH SOLE 30,706 0 0
SPDR S&P MF Closed and MF Open 78462F103 14,131,556 20,723 SH SOLE 4,617 0 0
WISDOMTREE FLOATING MF Closed and MF Open 97717Y527 13,840,469 275,049 SH SOLE 50,765 0 0
VANECK MORNINGSTAR MF Closed and MF Open 92189F643 12,805,233 123,650 SH SOLE 17,325 0 0
ISHARES MSCI MF Closed and MF Open 464287234 12,673,405 231,646 SH SOLE 27,545 0 0
ISHARES RUSSELL MF Closed and MF Open 464287614 12,397,040 26,192 SH SOLE 3,618 0 0
VANGUARD SHORT MF Closed and MF Open 92206C409 11,615,328 145,683 SH SOLE 20,007 0 0
VANGUARD INTERMEDIATE MF Closed and MF Open 92206C870 11,199,231 133,721 SH SOLE 14,108 0 0
APPLE INC Common Stock 037833100 10,983,144 40,400 SH SOLE 0 0 0
VANGUARD SMALL MF Closed and MF Open 922908751 10,038,897 38,917 SH SOLE 5,903 0 0
SPDR GOLD MF Closed and MF Open 98149E303 9,863,229 115,535 SH SOLE 15,241 0 0
ISHARES 1-3YR MF Closed and MF Open 464287457 6,927,330 83,643 SH SOLE 10,306 0 0
VANECK FALLEN MF Closed and MF Open 92189F437 5,968,555 203,254 SH SOLE 21,436 0 0
ISHARES BROAD MF Closed and MF Open 464288620 5,872,453 113,433 SH SOLE 25,406 0 0
STATE STREET MF Closed and MF Open 78468R663 5,788,098 63,340 SH SOLE 7,471 0 0
VANGUARD RUSSELL MF Closed and MF Open 92206C730 5,605,091 18,137 SH SOLE 5,056 0 0
STATE STREET MF Closed and MF Open 78468R853 5,068,111 108,154 SH SOLE 14,707 0 0
DIMENSIONAL US MF Closed and MF Open 25434V500 4,854,889 69,684 SH SOLE 8,006 0 0
STATE STREET MF Closed and MF Open 78467V848 4,532,310 112,603 SH SOLE 23,828 0 0
VANGUARD FTSE MF Closed and MF Open 921943858 4,397,417 70,392 SH SOLE 26,544 0 0
ISHARES FLOATING MF Closed and MF Open 46429B655 4,280,624 84,164 SH SOLE 14,294 0 0
THERMO FISHER Common Stock 883556102 4,202,171 7,252 SH SOLE 0 0 0
STATE STREET MF Closed and MF Open 78468R101 3,731,541 127,443 SH SOLE 19,901 0 0
MICROSOFT CORP Common Stock 594918104 3,460,302 7,155 SH SOLE 250 0 0
STATE STREET MF Closed and MF Open 78464A672 3,063,459 106,222 SH SOLE 8,821 0 0
ISHARES FALLEN MF Closed and MF Open 46435G474 2,398,858 87,870 SH SOLE 15,959 0 0
ISHARES CORE MF Closed and MF Open 46434G103 2,145,152 31,912 SH SOLE 10,214 0 0
VANGUARD TOTAL MF Closed and MF Open 92203J407 1,933,845 40,021 SH SOLE 5,256 0 0
STATE STREET MF Closed and MF Open 78468R531 1,647,467 24,905 SH SOLE 0 0 0
ISHARES CORE MF Closed and MF Open 46435G672 1,639,674 32,786 SH SOLE 7,335 0 0
ISHARES ESG MF Closed and MF Open 46436E569 1,597,762 30,318 SH SOLE 0 0 0
VANGUARD ESG MF Closed and MF Open 921910733 1,588,203 13,130 SH SOLE 0 0 0
ISHARES JPMORGAN MF Closed and MF Open 464288281 1,519,866 15,785 SH SOLE 2,948 0 0
STATE STREET MF Closed and MF Open 78467V608 1,360,247 32,959 SH SOLE 6,578 0 0
STATE STREET MF Closed and MF Open 78464A805 938,611 11,376 SH SOLE 1,973 0 0
NUVEEN ESG MF Closed and MF Open 67092P805 863,791 23,855 SH SOLE 0 0 0
ISHARES ESG MF Closed and MF Open 46434G863 825,672 18,693 SH SOLE 0 0 0
NUVEEN ESG MF Closed and MF Open 67092P409 653,936 13,697 SH SOLE 0 0 0
WISDOMTREE EUROPE MF Closed and MF Open 97717X701 583,079 10,989 SH SOLE 0 0 0
SCHWABN 1-5 MF Closed and MF Open 808524714 565,380 22,706 SH SOLE 0 0 0
ISHARES GLOBAL MF Closed and MF Open 464288224 550,370 33,498 SH SOLE 0 0 0
ISHARES ESG MF Closed and MF Open 46435G193 510,044 21,811 SH SOLE 0 0 0
AT&T INC Common Stock 00206R102 315,940 12,719 SH SOLE 0 0 0
ISHARES TRUST MF Closed and MF Open 46435G243 286,271 11,342 SH SOLE 0 0 0
SCHWAB US MF Closed and MF Open 808524102 273,526 10,428 SH SOLE 0 0 0
SACHEM CAPITAL Common Stock 78590A109 37,869 36,412 SH SOLE 13,855 0 0
BIORESTORATIVE THERAPIES Common Stock 090655606 20,142 17,142 SH SOLE 8,571 0 0