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
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 216,716 2,246 SH SOLE 2,246 0 0
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 418,931 4,593 SH SOLE 4,593 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 212,243 5,278 SH SOLE 5,278 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V815 276,728 7,134 SH SOLE 7,134 0 0
ISHARES INC CORE MSCI EMKT 46434G103 22,012,472 265,723 SH SOLE 265,723 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 722,270 6,150 SH SOLE 6,150 0 0
ISHARES TR CORE 60 BALA ETF 464289867 586,978 8,469 SH SOLE 8,469 0 0
ISHARES TR CORE 80 20 ETF 464289859 1,707,884 17,546 SH SOLE 17,546 0 0
ISHARES TR CORE MSCI INTL 46435G326 1,575,338 17,698 SH SOLE 17,698 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,700,989 2,271 SH SOLE 2,271 0 0
ISHARES TR CORE US AGGBD ET 464287226 3,459,218 34,949 SH SOLE 34,949 0 0
ISHARES TR IBOXX HI YD ETF 464288513 390,181 4,877 SH SOLE 4,877 0 0
ISHARES TR IBOXX INV CP ETF 464287242 287,683 2,624 SH SOLE 2,624 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 401,355 8,100 SH SOLE 8,100 0 0
ISHARES TR MSCI USA MMENTM 46432F396 601,644 1,755 SH SOLE 1,755 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 884,125 4,029 SH SOLE 4,029 0 0
ISHARES TR S&P MC 400GR ETF 464287606 949,721 8,083 SH SOLE 8,083 0 0
ISHARES TR US TREAS BD ETF 46429B267 7,075,902 309,532 SH SOLE 309,532 0 0
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 393,256 9,732 SH SOLE 9,732 0 0
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 816,428 19,239 SH SOLE 19,239 0 0
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 2,142,554 53,941 SH SOLE 53,941 0 0
SPDR INDEX SHS FDS ST STR ACWI ETF 78463X848 3,350,323 82,743 SH SOLE 82,743 0 0
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 822,883 32,245 SH SOLE 32,245 0 0
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 497,093 5,425 SH SOLE 5,425 0 0
SPDR SERIES TRUST ST STR P500GRW 78464A409 3,352,134 28,172 SH SOLE 28,172 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 65,696,167 88,678 SH SOLE 88,678 0 0
TIDAL TRUST I ADASINA SOCIAL 886364876 554,243 24,224 SH SOLE 24,224 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 445,711 15,243 SH SOLE 15,243 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 26,549,973 360,195 SH SOLE 360,195 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,490,010 6,595 SH SOLE 6,595 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 48,948,110 133,330 SH SOLE 133,330 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 24,127,207 407,830 SH SOLE 407,830 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 13,418,418 189,205 SH SOLE 189,205 0 0
VICTORY PORTFOLIOS II USAA MSCI USA SM 92647N568 284,874 2,594 SH SOLE 2,594 0 0