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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782 14,278,250 183,209 SH SOLE 0 0 0 183,209
FLEXSHARES TR MORNSTAR UPSTR 33939L407 880,634 17,870 SH SOLE 0 0 0 17,870
INVESCO QQQ TR UNIT SER 1 46090E103 7,218,663 9,803 SH SOLE 0 0 0 9,803
ISHARES INC CORE MSCI EMKT 46434G103 13,869,921 167,430 SH SOLE 0 0 0 167,430
ISHARES TR CORE MSCI EAFE 46432F842 9,726,318 100,707 SH SOLE 0 0 0 100,707
ISHARES TR MSCI USA QLT FCT 46432F339 8,956,658 40,818 SH SOLE 0 0 0 40,818
ISHARES TR CORE DIV GRWTH 46434V621 11,737,260 154,866 SH SOLE 0 0 0 154,866
ISHARES TR MSCI USA MIN ETF 46429B697 12,499,315 129,580 SH SOLE 0 0 0 129,580
ISHARES TR MSCI INDIA ETF 46429B598 3,340,962 67,645 SH SOLE 0 0 0 67,645
ISHARES TR 7-10 YR TRSY BD 464287440 5,109,815 54,032 SH SOLE 0 0 0 54,032
ISHARES TR 20 YR TR BD ETF 464287432 5,065,896 58,619 SH SOLE 0 0 0 58,619
ISHARES TR S&P 500 VAL ETF 464287408 2,205,886 9,715 SH SOLE 0 0 0 9,715
ISHARES TR CORE S&P500 ETF 464287200 18,106,632 24,178 SH SOLE 0 0 0 24,178
ISHARES TR S&P 500 GRWT ETF 464287309 2,517,822 18,307 SH SOLE 0 0 0 18,307
ISHARES TR RUS 1000 VAL ETF 464287598 2,426,478 10,009 SH SOLE 0 0 0 10,009
ISHARES TR RUS 1000 GRW ETF 464287614 2,640,455 21,265 SH SOLE 0 0 0 21,265
ISHARES TR JPMORGAN USD EMG 464288281 5,585,964 57,922 SH SOLE 0 0 0 57,922
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 360,981 4,793 SH SOLE 0 0 0 4,793
J P MORGAN EXCHANGE TRADED F BETA EURO ET NE 46641Q191 284,363 3,656 SH SOLE 0 0 0 3,656
J P MORGAN EXCHANGE TRADED F BETA CDA ETF NEW 46641Q225 345,930 3,480 SH SOLE 0 0 0 3,480
PURECYCLE TECHNOLOGIES INC COM 74623V103 141,925 17,500 SH SOLE 0 0 0 17,500
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,139,570 225,152 SH SOLE 0 0 0 225,152
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,757,363 48,640 SH SOLE 0 0 0 48,640
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,739,076 51,391 SH SOLE 0 0 0 51,391
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 10,386,856 13,909 SH SOLE 0 0 0 13,909
VANECK ETF TRUST GOLD MINERS ETF 92189F106 1,872,113 24,813 SH SOLE 0 0 0 24,813
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,431,039 4,672 SH SOLE 0 0 0 4,672
VANGUARD INDEX FDS MID CAP ETF 922908629 7,571,141 93,970 SH SOLE 0 0 0 93,970
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,577,892 5,206 SH SOLE 0 0 0 5,206
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,908,988 10,060 SH SOLE 0 0 0 10,060
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,938,555 21,453 SH SOLE 0 0 0 21,453
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 319,701 1,298 SH SOLE 0 0 0 1,298
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,717,430 179,552 SH SOLE 0 0 0 179,552
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,705,717 43,347 SH SOLE 0 0 0 43,347
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,399,786 33,681 SH SOLE 0 0 0 33,681
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 2,895,135 43,057 SH SOLE 0 0 0 43,057
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 8,655,732 54,773 SH SOLE 0 0 0 54,773