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
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 20,290,719 211,054 SH SOLE 0 0 211,054
AMERICAN CENTY ETF TR AVANTIS US LARG 025072158 15,696,787 170,118 SH SOLE 0 0 170,118
AMERICAN CENTY ETF TR US EQT ETF 025072885 8,452,682 64,643 SH SOLE 0 0 64,643
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 11,363,320 228,500 SH SOLE 0 0 228,500
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 6,564,135 130,060 SH SOLE 0 0 130,060
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 15,529,608 516,105 SH SOLE 0 0 516,105
BLACKROCK ETF TRUST ISHA U S IND ETF 09290C830 8,744,961 232,208 SH SOLE 0 0 232,208
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 364,799 4,372 SH SOLE 0 0 4,372
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 4,275,262 95,175 SH SOLE 0 0 95,175
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 24,931,560 352,741 SH SOLE 0 0 352,741
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 1,911,429 37,694 SH SOLE 0 0 37,694
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824 640,871 8,880 SH SOLE 0 0 8,880
GLOBAL X FDS DEFENSE TECH ETF 37960A529 5,246,785 87,358 SH SOLE 0 0 87,358
GOLDMAN SACHS PHYSICAL GOLD UNIT 38150K103 563,669 13,718 SH SOLE 0 0 13,718
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 8,762,174 409,830 SH SOLE 0 0 409,830
ISHARES GOLD TR ISHARES NEW 464285204 5,129,563 65,454 SH SOLE 0 0 65,454
ISHARES INC MSCI EQUAL WEITE 464286681 1,402,761 12,292 SH SOLE 0 0 12,292
ISHARES TR 0-5 YR TIPS ETF 46429B747 542,549 5,426 SH SOLE 0 0 5,426
ISHARES TR CORE 60 BALA ETF 464289867 406,882 5,896 SH SOLE 0 0 5,896
ISHARES TR CORE 80 20 ETF 464289859 1,491,784 15,165 SH SOLE 0 0 15,165
ISHARES TR ESG AWR MSCI USA 46435G425 1,241,821 7,277 SH SOLE 0 0 7,277
ISHARES TR ESG AWR US AGRGT 46435U549 315,849 6,994 SH SOLE 0 0 6,994
ISHARES TR ESG AWRE USD ETF 46435G193 235,933 10,756 SH SOLE 0 0 10,756
ISHARES TR ESG MSCI KLD ETF 464288570 292,375 1,948 SH SOLE 0 0 1,948
ISHARES TR GLOB INDSTRL ETF 464288729 1,461,101 7,585 SH SOLE 0 0 7,585
ISHARES TR LONG TERM MUNI 46438G448 420,224 9,041 SH SOLE 0 0 9,041
ISHARES TR MSCI ACWI EX US 464288240 393,818 5,156 SH SOLE 0 0 5,156
ISHARES TR MSCI USA QLT FCT 46432F339 3,970,866 17,534 SH SOLE 0 0 17,534
ISHARES TR S&P 500 GRWT ETF 464287309 216,744 1,484 SH SOLE 0 0 1,484
ISHARES TR SYSTEMATIC BD ET 46435U796 291,961 3,474 SH SOLE 0 0 3,474
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 426,244 13,884 SH SOLE 0 0 13,884
SHERWIN WILLIAMS CO COM 824348106 385,392 1,200 SH SOLE 0 0 1,200
SPDR SERIES TRUST ST LON TREAS ETF 78464A664 209,082 8,822 SH SOLE 0 0 8,822
SPDR SERIES TRUST ST STR P500ETF 78464A854 23,926,141 260,859 SH SOLE 0 0 260,859
SPDR SERIES TRUST ST STR P500GRW 78464A409 8,340,413 65,932 SH SOLE 0 0 65,932
SPDR SERIES TRUST ST STR P500VAL 78464A508 3,011,569 48,551 SH SOLE 0 0 48,551
SPDR SERIES TRUST ST STR SP AERO 78464A631 1,101,750 4,716 SH SOLE 0 0 4,716
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 3,901,154 83,268 SH SOLE 0 0 83,268
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,065,814 128,160 SH SOLE 0 0 128,160