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
ABRDN ETFS BBRG ALL COMD K1 003261104 3,444,838 155,594 SH SOLE 0 0 155,594
APPLE INC COM 037833100 517,911 1,838 SH SOLE 0 0 1,838
BLACKROCK ETF TRUST II ISH HIG MUN ETF 092528843 255,876 5,136 SH SOLE 0 0 5,136
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 1,894,933 36,135 SH SOLE 0 0 36,135
BLACKROCK ETF TRUST II ISHA GLO USD ETF 092528835 3,456,279 68,509 SH SOLE 0 0 68,509
BLACKROCK ETF TRUST II ISHARES AAA CLO 092528504 434,966 8,376 SH SOLE 0 0 8,376
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 5,767,582 113,468 SH SOLE 0 0 113,468
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 3,923,947 107,860 SH SOLE 0 0 107,860
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 4,449,925 89,141 SH SOLE 0 0 89,141
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 4,156,854 147,878 SH SOLE 0 0 147,878
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 3,584,006 45,034 SH SOLE 0 0 45,034
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 3,190,870 74,868 SH SOLE 0 0 74,868
BLACKROCK ETF TRUST ISHA WORL EX ETF 09290C608 509,067 8,864 SH SOLE 0 0 8,864
BLACKROCK ETF TRUST ISHARES DEFENSE 09290C699 3,672,186 117,322 SH SOLE 0 0 117,322
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 11,371,810 168,621 SH SOLE 0 0 168,621
BLACKROCK ETF TRUST ISHARES US LARG 09290C863 634,484 18,861 SH SOLE 0 0 18,861
DBX ETF TR XTRACK USD HIGH 233051432 923,420 25,285 SH SOLE 0 0 25,285
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 3,379,275 113,284 SH SOLE 0 0 113,284
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 172,532,028 3,357,316 SH SOLE 0 0 3,357,316
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 226,504,417 4,972,665 SH SOLE 0 0 4,972,665
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 281,591,344 1,998,523 SH SOLE 0 0 1,998,523
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 109,634,123 6,921,377 SH SOLE 0 0 6,921,377
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 4,144,360 190,633 SH SOLE 0 0 190,633
INVESCO EXCH TRADED FD TR II RAFI EMRGNG MRKT 46138E727 2,953,713 106,364 SH SOLE 0 0 106,364
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 246,000 12,596 SH SOLE 0 0 12,596
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 245,403 12,511 SH SOLE 0 0 12,511
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 245,438 12,049 SH SOLE 0 0 12,049
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 2,629,295 48,682 SH SOLE 0 0 48,682
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 2,272,562 13,574 SH SOLE 0 0 13,574
ISHARES GOLD TR ISHARES NEW 464285204 1,429,318 18,924 SH SOLE 0 0 18,924
ISHARES INC CORE MSCI EMKT 46434G103 113,868,988 1,393,406 SH SOLE 0 0 1,393,406
ISHARES INC ESG AWR MSCI EM 46434G863 1,377,131 25,545 SH SOLE 0 0 25,545
ISHARES TR 0-5 YR TIPS ETF 46429B747 468,531 4,584 SH SOLE 0 0 4,584
ISHARES TR 1 3 YR TREAS BD 464287457 4,742,273 57,713 SH SOLE 0 0 57,713
ISHARES TR 10-20 YR TRS ETF 464288653 4,810,728 47,481 SH SOLE 0 0 47,481
ISHARES TR BROAD USD HIGH 46435U853 118,628,238 3,203,583 SH SOLE 0 0 3,203,583
ISHARES TR CORE 1 5 YR USD 46432F859 510,181 10,563 SH SOLE 0 0 10,563
ISHARES TR CORE DIV GRWTH 46434V621 826,184 10,878 SH SOLE 0 0 10,878
ISHARES TR CORE HIGH DV ETF 46429B663 260,452 9,406 SH SOLE 0 0 9,406
ISHARES TR CORE INTL AGGR 46435G672 221,520 4,377 SH SOLE 0 0 4,377
ISHARES TR CORE MSCI EAFE 46432F842 123,661,672 1,283,865 SH SOLE 0 0 1,283,865
ISHARES TR CORE S&P MCP ETF 464287507 4,109,513 53,698 SH SOLE 0 0 53,698
ISHARES TR CORE S&P SCP ETF 464287804 59,515,792 403,881 SH SOLE 0 0 403,881
ISHARES TR CORE S&P TTL STK 464287150 663,738,383 4,070,270 SH SOLE 0 0 4,070,270
ISHARES TR CORE S&P500 ETF 464287200 70,487,977 94,718 SH SOLE 0 0 94,718
ISHARES TR CORE UNIVRSL USD 46434V613 254,921,914 5,503,503 SH SOLE 0 0 5,503,503
ISHARES TR CORE US AGGBD ET 464287226 423,455,078 4,261,394 SH SOLE 0 0 4,261,394
ISHARES TR CRE U S REIT ETF 464288521 1,435,208 21,243 SH SOLE 0 0 21,243
ISHARES TR EAFE GRWTH ETF 464288885 6,006,563 48,755 SH SOLE 0 0 48,755
ISHARES TR EAFE VALUE ETF 464288877 3,355,278 43,820 SH SOLE 0 0 43,820
ISHARES TR ESG ADVAN ETF 46436E619 341,755 7,835 SH SOLE 0 0 7,835
ISHARES TR ESG AW MSCI EAFE 46435G516 529,002 5,162 SH SOLE 0 0 5,162
ISHARES TR ESG AWR MSCI USA 46435G425 3,537,676 21,765 SH SOLE 0 0 21,765
ISHARES TR ESG AWR MSCI USA 46436E221 1,143,226 32,519 SH SOLE 0 0 32,519
ISHARES TR ESG AWR US AGRGT 46435U549 2,341,757 49,186 SH SOLE 0 0 49,186
ISHARES TR ESG AWRE 1 5 YR 46435G243 871,849 34,853 SH SOLE 0 0 34,853
ISHARES TR ESG AWRE USD ETF 46435G193 1,670,936 71,806 SH SOLE 0 0 71,806
ISHARES TR ESG EAFE ETF 46436E759 996,068 11,868 SH SOLE 0 0 11,868
ISHARES TR ESG MSCI KLD ETF 464288570 2,471,341 17,526 SH SOLE 0 0 17,526
ISHARES TR ESG MSCI USA ETF 46436E767 1,920,318 28,043 SH SOLE 0 0 28,043
ISHARES TR GL CLEAN ENE ETF 464288224 236,970 11,920 SH SOLE 0 0 11,920
ISHARES TR IBOXX HI YD ETF 464288513 399,819 4,997 SH SOLE 0 0 4,997
ISHARES TR INTL EQTY FACTOR 46434V274 4,710,061 115,189 SH SOLE 0 0 115,189
ISHARES TR INVT GRAD SY ETF 46435G219 268,239 5,924 SH SOLE 0 0 5,924
ISHARES TR JPMORGAN USD EMG 464288281 90,798,017 937,805 SH SOLE 0 0 937,805
ISHARES TR LONG TERM MUNI 46438G448 1,054,980 20,591 SH SOLE 0 0 20,591
ISHARES TR MBS ETF 464288588 6,512,691 68,576 SH SOLE 0 0 68,576
ISHARES TR MSCI ACWI EX US 464288240 308,452 4,086 SH SOLE 0 0 4,086
ISHARES TR MSCI USA MMENTM 46432F396 4,651,315 13,843 SH SOLE 0 0 13,843
ISHARES TR MSCI USA QLT FCT 46432F339 322,967 1,486 SH SOLE 0 0 1,486
ISHARES TR NATIONAL MUN ETF 464288414 2,287,222 21,235 SH SOLE 0 0 21,235
ISHARES TR RUS 1000 ETF 464287622 6,139,716 15,111 SH SOLE 0 0 15,111
ISHARES TR RUS MID CAP ETF 464287499 1,904,098 17,285 SH SOLE 0 0 17,285
ISHARES TR RUSEL 2500 ETF 46435G268 16,108,529 176,920 SH SOLE 0 0 176,920
ISHARES TR S&P 500 GRWT ETF 464287309 11,448,975 84,432 SH SOLE 0 0 84,432
ISHARES TR S&P 500 VAL ETF 464287408 9,721,543 42,796 SH SOLE 0 0 42,796
ISHARES TR SP SMCP600VL ETF 464287879 1,792,053 13,144 SH SOLE 0 0 13,144
ISHARES TR SYSTEMATIC BD ET 46435U796 1,283,396 14,404 SH SOLE 0 0 14,404
ISHARES TR TIPS BD ETF 464287176 3,243,326 29,512 SH SOLE 0 0 29,512
ISHARES TR U S EQUITY FACTR 46434V282 220,030,510 2,927,890 SH SOLE 0 0 2,927,890
ISHARES TR US TREAS BD ETF 46429B267 7,201,837 314,903 SH SOLE 0 0 314,903
JOHN HANCOCK EXCHANGE TRADED HIGH YIELD ETF 47804J719 410,464 16,040 SH SOLE 0 0 16,040
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 1,453,766 16,386 SH SOLE 0 0 16,386
JOHN HANCOCK EXCHANGE TRADED MULTFCTR EMRNG 47804J834 754,390 19,028 SH SOLE 0 0 19,028
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859 839,205 18,933 SH SOLE 0 0 18,933
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 806,486 10,792 SH SOLE 0 0 10,792
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842 321,670 6,631 SH SOLE 0 0 6,631
RUSSELL INVTS EXCHANGE TRADE EMER MARK EQ ETF 78249U407 469,114 12,822 SH SOLE 0 0 12,822
RUSSELL INVTS EXCHANGE TRADE GLOBA EQUIT ETF 78249U308 1,473,256 45,583 SH SOLE 0 0 45,583
RUSSELL INVTS EXCHANGE TRADE INTL DEVE EQ ETF 78249U209 645,871 20,341 SH SOLE 0 0 20,341
RUSSELL INVTS EXCHANGE TRADE US SM CA EQ ETF 78249U100 250,267 6,443 SH SOLE 0 0 6,443
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,270,685 35,494 SH SOLE 0 0 35,494
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 11,720,302 326,107 SH SOLE 0 0 326,107
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 557,087 10,591 SH SOLE 0 0 10,591
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,566,448 456,464 SH SOLE 0 0 456,464
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,973,726 123,085 SH SOLE 0 0 123,085
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 11,200,497 482,157 SH SOLE 0 0 482,157
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 15,052,540 523,931 SH SOLE 0 0 523,931
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 61,096,061 2,091,615 SH SOLE 0 0 2,091,615
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,083,005 44,919 SH SOLE 0 0 44,919
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,683,650 63,295 SH SOLE 0 0 63,295
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 14,449,043 281,548 SH SOLE 0 0 281,548
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 37,900,327 756,494 SH SOLE 0 0 756,494
SPDR SERIES TRUST ST NUVE HIGH ETF 78464A284 2,781,893 109,265 SH SOLE 0 0 109,265
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 257,551 5,369 SH SOLE 0 0 5,369
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 6,181,690 263,612 SH SOLE 0 0 263,612
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 2,389,964 82,327 SH SOLE 0 0 82,327
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 15,892,616 620,079 SH SOLE 0 0 620,079
SPDR SERIES TRUST ST STR NUVEE ETF 78468R721 320,807 7,003 SH SOLE 0 0 7,003
SPDR SERIES TRUST ST STR P400MID 78464A847 379,591 5,663 SH SOLE 0 0 5,663
SPDR SERIES TRUST ST STR P500ETF 78464A854 439,213 5,038 SH SOLE 0 0 5,038
SPDR SERIES TRUST ST STR P500GRW 78464A409 12,945,986 110,263 SH SOLE 0 0 110,263
SPDR SERIES TRUST ST STR PR SP1500 78464A805 25,383,749 281,572 SH SOLE 0 0 281,572
SPDR SERIES TRUST ST STR SP600 SML 78468R853 2,102,978 36,714 SH SOLE 0 0 36,714
SPDR SERIES TRUST ST STR TIPS ETF 78464A656 1,483,827 57,557 SH SOLE 0 0 57,557
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 211,425 8,262 SH SOLE 0 0 8,262
VANGUARD BD INDEX FDS INTERMED TERM 921937819 10,072,147 130,756 SH SOLE 0 0 130,756
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 6,825,171 98,063 SH SOLE 0 0 98,063
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 14,317,973 183,517 SH SOLE 0 0 183,517
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,015,623 81,612 SH SOLE 0 0 81,612
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 15,077,524 310,749 SH SOLE 0 0 310,749
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 6,004,387 24,590 SH SOLE 0 0 24,590
VANGUARD INDEX FDS GROWTH ETF 922908736 722,426 8,514 SH SOLE 0 0 8,514
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,338,471 12,715 SH SOLE 0 0 12,715
VANGUARD INDEX FDS MID CAP ETF 922908629 202,062,614 2,511,036 SH SOLE 0 0 2,511,036
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 494,865 5,037 SH SOLE 0 0 5,037
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 43,856,937 64,400 SH SOLE 0 0 64,400
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,718,109 5,702 SH SOLE 0 0 5,702
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,158,308 22,344 SH SOLE 0 0 22,344
VANGUARD INDEX FDS VALUE ETF 922908744 8,642,276 39,529 SH SOLE 0 0 39,529
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,963,841 252,981 SH SOLE 0 0 252,981
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 1,680,503 16,637 SH SOLE 0 0 16,637
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,053,998 80,055 SH SOLE 0 0 80,055
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 2,960,148 50,028 SH SOLE 0 0 50,028
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 7,000,231 148,909 SH SOLE 0 0 148,909
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 33,789,294 476,632 SH SOLE 0 0 476,632
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 437,472 4,319 SH SOLE 0 0 4,319
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 818,100 12,124 SH SOLE 0 0 12,124
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,068,428 6,743 SH SOLE 0 0 6,743
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,250,006 12,724 SH SOLE 0 0 12,724
WISDOMTREE TR EMG MKTS SMCAP 97717W281 600,765 9,365 SH SOLE 0 0 9,365
WISDOMTREE TR INTL QULTY DIV 97717X131 3,215,194 74,859 SH SOLE 0 0 74,859