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 3,728,350 144,119 SH SOLE 0 0 144,119
APPLE INC COM 037833100 612,192 1,838 SH SOLE 0 0 1,838
BLACKROCK ETF TRUST II ISH HIG MUN ETF 092528843 255,625 5,596 SH SOLE 0 0 5,596
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 1,810,555 35,648 SH SOLE 0 0 35,648
BLACKROCK ETF TRUST II ISHA GLO USD ETF 092528835 3,731,348 74,478 SH SOLE 0 0 74,478
BLACKROCK ETF TRUST II ISHA SECU IN ETF 092528819 399,526 8,228 SH SOLE 0 0 8,228
BLACKROCK ETF TRUST II ISHAR BACKE ETF 092528793 937,590 19,987 SH SOLE 0 0 19,987
BLACKROCK ETF TRUST II ISHARES AAA CLO 092528504 386,885 7,457 SH SOLE 0 0 7,457
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 5,528,251 117,149 SH SOLE 0 0 117,149
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 5,746,765 158,095 SH SOLE 0 0 158,095
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 4,948,194 101,066 SH SOLE 0 0 101,066
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 4,561,668 152,769 SH SOLE 0 0 152,769
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 3,628,190 44,425 SH SOLE 0 0 44,425
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 3,403,876 77,396 SH SOLE 0 0 77,396
BLACKROCK ETF TRUST ISHA WORL EX ETF 09290C608 524,480 9,049 SH SOLE 0 0 9,049
BLACKROCK ETF TRUST ISHARES DEFENSE 09290C699 3,549,938 113,681 SH SOLE 0 0 113,681
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 11,993,990 173,173 SH SOLE 0 0 173,173
BLACKROCK ETF TRUST ISHARES US LARG 09290C863 738,409 21,428 SH SOLE 0 0 21,428
DBX ETF TR XTRACK USD HIGH 233051432 1,012,100 28,737 SH SOLE 0 0 28,737
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 283,185 1,740 SH SOLE 0 0 1,740
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 2,948,487 108,480 SH SOLE 0 0 108,480
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101 212,131 6,935 SH SOLE 0 0 6,935
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 167,321,110 3,274,394 SH SOLE 0 0 3,274,394
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 235,098,978 5,128,697 SH SOLE 0 0 5,128,697
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 287,601,194 1,982,913 SH SOLE 0 0 1,982,913
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 128,795,212 6,673,353 SH SOLE 0 0 6,673,353
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 3,872,951 194,816 SH SOLE 0 0 194,816
INVESCO EXCH TRADED FD TR II RAFI EMRGNG MRKT 46138E727 3,069,282 105,583 SH SOLE 0 0 105,583
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 238,573 12,222 SH SOLE 0 0 12,222
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 237,824 12,168 SH SOLE 0 0 12,168
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 236,549 11,754 SH SOLE 0 0 11,754
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 2,530,021 46,482 SH SOLE 0 0 46,482
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 73,942,040 1,561,945 SH SOLE 0 0 1,561,945
ISHARES GOLD TR ISHARES NEW 464285204 1,481,201 18,965 SH SOLE 0 0 18,965
ISHARES INC CORE MSCI EMKT 46434G103 112,943,922 1,391,623 SH SOLE 0 0 1,391,623
ISHARES INC ESG AWR MSCI EM 46434G863 1,352,592 24,974 SH SOLE 0 0 24,974
ISHARES TR 0-5 YR TIPS ETF 46429B747 478,062 4,795 SH SOLE 0 0 4,795
ISHARES TR 1 3 YR TREAS BD 464287457 4,455,233 54,867 SH SOLE 0 0 54,867
ISHARES TR 10-20 YR TRS ETF 464288653 4,579,838 49,689 SH SOLE 0 0 49,689
ISHARES TR 7-10 YR TRSY BD 464287440 223,454 2,502 SH SOLE 0 0 2,502
ISHARES TR BROAD USD HIGH 46435U853 125,411,049 3,510,960 SH SOLE 0 0 3,510,960
ISHARES TR CONV BD ETF 46435G102 276,487 2,448 SH SOLE 0 0 2,448
ISHARES TR CORE 1 5 YR USD 46432F859 570,492 12,074 SH SOLE 0 0 12,074
ISHARES TR CORE DIV GRWTH 46434V621 889,527 11,799 SH SOLE 0 0 11,799
ISHARES TR CORE HIGH DV ETF 46429B663 293,189 10,486 SH SOLE 0 0 10,486
ISHARES TR CORE INTL AGGR 46435G672 223,565 4,544 SH SOLE 0 0 4,544
ISHARES TR CORE MSCI EAFE 46432F842 128,804,702 1,329,530 SH SOLE 0 0 1,329,530
ISHARES TR CORE S&P MCP ETF 464287507 2,747,459 38,186 SH SOLE 0 0 38,186
ISHARES TR CORE S&P SCP ETF 464287804 56,083,100 412,256 SH SOLE 0 0 412,256
ISHARES TR CORE S&P TTL STK 464287150 664,878,463 3,998,550 SH SOLE 0 0 3,998,550
ISHARES TR CORE S&P500 ETF 464287200 73,549,037 96,036 SH SOLE 0 0 96,036
ISHARES TR CORE UNIVRSL USD 46434V613 266,830,153 6,051,951 SH SOLE 0 0 6,051,951
ISHARES TR CORE US AGGBD ET 464287226 443,890,430 4,695,257 SH SOLE 0 0 4,695,257
ISHARES TR CRE U S REIT ETF 464288521 1,269,137 20,610 SH SOLE 0 0 20,610
ISHARES TR EAFE GRWTH ETF 464288885 5,874,447 49,023 SH SOLE 0 0 49,023
ISHARES TR EAFE VALUE ETF 464288877 3,363,826 42,505 SH SOLE 0 0 42,505
ISHARES TR ESG ADVAN ETF 46436E619 347,615 8,362 SH SOLE 0 0 8,362
ISHARES TR ESG AW MSCI EAFE 46435G516 517,311 5,020 SH SOLE 0 0 5,020
ISHARES TR ESG AWR MSCI USA 46435G425 3,412,596 20,459 SH SOLE 0 0 20,459
ISHARES TR ESG AWR MSCI USA 46436E221 1,175,223 32,411 SH SOLE 0 0 32,411
ISHARES TR ESG AWR US AGRGT 46435U549 2,293,507 50,685 SH SOLE 0 0 50,685
ISHARES TR ESG AWRE 1 5 YR 46435G243 875,476 35,836 SH SOLE 0 0 35,836
ISHARES TR ESG AWRE USD ETF 46435G193 1,602,718 73,033 SH SOLE 0 0 73,033
ISHARES TR ESG EAFE ETF 46436E759 1,022,318 12,077 SH SOLE 0 0 12,077
ISHARES TR ESG MSCI KLD ETF 464288570 2,538,416 17,365 SH SOLE 0 0 17,365
ISHARES TR ESG MSCI USA ETF 46436E767 1,904,183 27,978 SH SOLE 0 0 27,978
ISHARES TR GL CLEAN ENE ETF 464288224 235,161 13,833 SH SOLE 0 0 13,833
ISHARES TR IBOXX HI YD ETF 464288513 372,825 4,829 SH SOLE 0 0 4,829
ISHARES TR INTL EQTY FACTOR 46434V274 4,737,872 114,138 SH SOLE 0 0 114,138
ISHARES TR INVT GRAD SY ETF 46435G219 316,732 7,402 SH SOLE 0 0 7,402
ISHARES TR JPMORGAN USD EMG 464288281 91,610,542 1,008,486 SH SOLE 0 0 1,008,486
ISHARES TR LONG TERM MUNI 46438G448 807,925 17,371 SH SOLE 0 0 17,371
ISHARES TR MORNINGSTAR GRWT 464287119 304,239 2,601 SH SOLE 0 0 2,601
ISHARES TR MSCI ACWI EX US 464288240 5,769,201 76,292 SH SOLE 0 0 76,292
ISHARES TR MSCI USA QLT FCT 46432F339 327,435 1,473 SH SOLE 0 0 1,473
ISHARES TR NATIONAL MUN ETF 464288414 2,815,332 27,847 SH SOLE 0 0 27,847
ISHARES TR RUS 1000 ETF 464287622 6,205,272 14,912 SH SOLE 0 0 14,912
ISHARES TR RUS MID CAP ETF 464287499 1,456,849 13,652 SH SOLE 0 0 13,652
ISHARES TR RUS TP200 GR ETF 464289438 3,712,622 12,589 SH SOLE 0 0 12,589
ISHARES TR RUS TP200 VL ETF 464289420 3,837,835 35,039 SH SOLE 0 0 35,039
ISHARES TR RUSEL 2500 ETF 46435G268 17,032,350 199,162 SH SOLE 0 0 199,162
ISHARES TR S&P 500 GRWT ETF 464287309 12,404,938 87,199 SH SOLE 0 0 87,199
ISHARES TR S&P 500 VAL ETF 464287408 9,997,250 43,794 SH SOLE 0 0 43,794
ISHARES TR SP SMCP600VL ETF 464287879 1,689,127 13,186 SH SOLE 0 0 13,186
ISHARES TR SYSTEMATIC BD ET 46435U796 1,264,554 15,004 SH SOLE 0 0 15,004
ISHARES TR TIPS BD ETF 464287176 3,008,761 28,919 SH SOLE 0 0 28,919
ISHARES TR U S EQUITY FACTR 46434V282 222,653,717 2,860,041 SH SOLE 0 0 2,860,041
ISHARES TR US TREAS BD ETF 46429B267 7,111,519 325,172 SH SOLE 0 0 325,172
JOHN HANCOCK EXCHANGE TRADED HIGH YIELD ETF 47804J719 391,400 15,859 SH SOLE 0 0 15,859
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 1,438,202 16,136 SH SOLE 0 0 16,136
JOHN HANCOCK EXCHANGE TRADED MULTFCTR EMRNG 47804J834 746,648 18,835 SH SOLE 0 0 18,835
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859 835,244 18,833 SH SOLE 0 0 18,833
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 761,833 10,655 SH SOLE 0 0 10,655
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842 301,129 6,626 SH SOLE 0 0 6,626
RUSSELL INVTS EXCHANGE TRADE EMER MARK EQ ETF 78249U407 475,683 13,055 SH SOLE 0 0 13,055
RUSSELL INVTS EXCHANGE TRADE GLOBA EQUIT ETF 78249U308 1,535,727 46,257 SH SOLE 0 0 46,257
RUSSELL INVTS EXCHANGE TRADE INTL DEVE EQ ETF 78249U209 667,520 20,860 SH SOLE 0 0 20,860
RUSSELL INVTS EXCHANGE TRADE US SM CA EQ ETF 78249U100 237,392 6,552 SH SOLE 0 0 6,552
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,310,228 35,740 SH SOLE 0 0 35,740
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 11,872,719 325,726 SH SOLE 0 0 325,726
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 602,753 11,214 SH SOLE 0 0 11,214
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,542,630 492,997 SH SOLE 0 0 492,997
SCHWAB STRATEGIC TR MUN BD ETF 808524649 618,134 25,585 SH SOLE 0 0 25,585
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,029,316 126,962 SH SOLE 0 0 126,962
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 11,221,828 507,775 SH SOLE 0 0 507,775
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 15,293,936 521,799 SH SOLE 0 0 521,799
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 205,055,432 6,835,181 SH SOLE 0 0 6,835,181
SCHWAB STRATEGIC TR US REIT ETF 808524847 970,252 44,022 SH SOLE 0 0 44,022
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,588,828 63,224 SH SOLE 0 0 63,224
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 14,121,412 272,825 SH SOLE 0 0 272,825
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 40,390,073 804,423 SH SOLE 0 0 804,423
SPDR SERIES TRUST ST NUVE HIGH ETF 78464A284 3,224,306 137,380 SH SOLE 0 0 137,380
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 352,302 7,552 SH SOLE 0 0 7,552
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 6,857,754 303,575 SH SOLE 0 0 303,575
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 2,261,453 78,879 SH SOLE 0 0 78,879
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 15,989,660 656,390 SH SOLE 0 0 656,390
SPDR SERIES TRUST ST STR NUVEE ETF 78468R721 274,498 6,418 SH SOLE 0 0 6,418
SPDR SERIES TRUST ST STR P400MID 78464A847 356,680 5,658 SH SOLE 0 0 5,658
SPDR SERIES TRUST ST STR P500ETF 78464A854 525,276 5,852 SH SOLE 0 0 5,852
SPDR SERIES TRUST ST STR P500GRW 78464A409 11,550,073 93,842 SH SOLE 0 0 93,842
SPDR SERIES TRUST ST STR PR SP1500 78464A805 25,021,876 271,829 SH SOLE 0 0 271,829
SPDR SERIES TRUST ST STR TIPS ETF 78464A656 1,354,686 55,588 SH SOLE 0 0 55,588
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 224,091 9,025 SH SOLE 0 0 9,025
VANGUARD BD INDEX FDS INTERMED TERM 921937819 10,128,281 139,010 SH SOLE 0 0 139,010
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 6,273,903 100,014 SH SOLE 0 0 100,014
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 14,222,227 186,155 SH SOLE 0 0 186,155
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,426,761 77,359 SH SOLE 0 0 77,359
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 14,717,786 314,013 SH SOLE 0 0 314,013
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 5,718,992 24,690 SH SOLE 0 0 24,690
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 809,111 8,979 SH SOLE 0 0 8,979
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 4,358,575 12,388 SH SOLE 0 0 12,388
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 133,273,097 1,699,485 SH SOLE 0 0 1,699,485
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,486,766 5,226 SH SOLE 0 0 5,226
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 8,180,532 21,984 SH SOLE 0 0 21,984
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 8,697,702 40,252 SH SOLE 0 0 40,252
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 438,059 4,875 SH SOLE 0 0 4,875
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 45,229,820 64,535 SH SOLE 0 0 64,535
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,861,234 250,698 SH SOLE 0 0 250,698
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 1,687,130 17,695 SH SOLE 0 0 17,695
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,279,268 90,356 SH SOLE 0 0 90,356
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 4,185,392 73,869 SH SOLE 0 0 73,869
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 6,689,536 150,631 SH SOLE 0 0 150,631
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 200,398 1,785 SH SOLE 0 0 1,785
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 33,490,161 474,485 SH SOLE 0 0 474,485
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 417,078 4,230 SH SOLE 0 0 4,230
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 826,362 13,090 SH SOLE 0 0 13,090
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,103,782 7,112 SH SOLE 0 0 7,112
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,328,949 13,141 SH SOLE 0 0 13,141
WISDOMTREE TR EMG MKTS SMCAP 97717W281 619,417 9,804 SH SOLE 0 0 9,804
WISDOMTREE TR INTL QULTY DIV 97717X131 3,280,695 77,084 SH SOLE 0 0 77,084