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
APPLE INC COM 037833100 262,450 907 SH SOLE 0 0 907
CATERPILLAR INC COM 149123101 425,960 400 SH SOLE 0 0 400
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 378,089 10,263 SH SOLE 0 0 10,263
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 409,932 6,248 SH SOLE 0 0 6,248
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396 4,630,360 43,398 SH SOLE 0 0 43,398
GOLDMAN SACHS ETF TR MARKETBETA US EQ 381430123 224,758 2,180 SH SOLE 0 0 2,180
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 432,904 21,252 SH SOLE 0 0 21,252
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 86,735,628 407,650 SH SOLE 0 0 407,650
INVESCO QQQ TR UNIT SER 1 46090E103 965,782 1,311 SH SOLE 0 0 1,311
ISHARES INC CORE MSCI EMKT 46434G103 13,197,047 159,308 SH SOLE 0 0 159,308
ISHARES INC ESG AWR MSCI EM 46434G863 1,464,839 26,784 SH SOLE 0 0 26,784
ISHARES INC MSCI EMRG CHN 46434G764 1,024,426 10,014 SH SOLE 0 0 10,014
ISHARES INC MSCI ISRAEL ETF 464286632 208,950 1,731 SH SOLE 0 0 1,731
ISHARES TR CORE 30 70 ETF 464289883 393,853 9,495 SH SOLE 0 0 9,495
ISHARES TR CORE 60 BALA ETF 464289867 1,437,052 20,677 SH SOLE 0 0 20,677
ISHARES TR CORE HIGH DV ETF 46429B663 1,099,314 40,106 SH SOLE 0 0 40,106
ISHARES TR CORE MSCI TOTAL 46432F834 1,963,833 20,577 SH SOLE 0 0 20,577
ISHARES TR CORE S&P MCP ETF 464287507 114,754,819 1,488,196 SH SOLE 120 0 1,488,076
ISHARES TR CORE S&P SCP ETF 464287804 92,328,580 622,538 SH SOLE 0 0 622,538
ISHARES TR CORE S&P TTL STK 464287150 2,974,657 18,108 SH SOLE 0 0 18,108
ISHARES TR CORE S&P500 ETF 464287200 5,844,704 7,804 SH SOLE 0 0 7,804
ISHARES TR CORE US AGGBD ET 464287226 1,235,682 12,484 SH SOLE 0 0 12,484
ISHARES TR EAFE GRWTH ETF 464288885 1,366,344 10,982 SH SOLE 0 0 10,982
ISHARES TR EAFE VALUE ETF 464288877 3,947,225 51,564 SH SOLE 0 0 51,564
ISHARES TR ESG AW MSCI EAFE 46435G516 710,533 6,911 SH SOLE 0 0 6,911
ISHARES TR ESG AWARE MSCI 46435U663 2,591,482 46,334 SH SOLE 0 0 46,334
ISHARES TR ESG AWR MSCI USA 46435G425 302,790 1,850 SH SOLE 0 0 1,850
ISHARES TR ESG AWR US AGRGT 46435U549 231,930 4,892 SH SOLE 0 0 4,892
ISHARES TR ESG MSCI KLD ETF 464288570 1,730,960 12,156 SH SOLE 0 0 12,156
ISHARES TR ESG OPTIMIZED 464288802 677,202 4,389 SH SOLE 0 0 4,389
ISHARES TR ESG SELECT SCRE 46436E551 1,752,536 33,606 SH SOLE 0 0 33,606
ISHARES TR GL CLEAN ENE ETF 464288224 273,366 13,341 SH SOLE 0 0 13,341
ISHARES TR GLB INFRASTR ETF 464288372 8,528,264 128,052 SH SOLE 0 0 128,052
ISHARES TR ISHS 1-5YR INVS 464288646 716,917 13,679 SH SOLE 0 0 13,679
ISHARES TR MRGSTR MD CP GRW 464288307 222,650 2,265 SH SOLE 0 0 2,265
ISHARES TR MRGSTR MD CP VAL 464288406 567,181 6,207 SH SOLE 0 0 6,207
ISHARES TR MRGSTR SM CP ETF 464288505 202,738 2,685 SH SOLE 0 0 2,685
ISHARES TR MRNING SM CP ETF 464288703 216,003 2,758 SH SOLE 0 0 2,758
ISHARES TR MSCI ACWI EX US 464288240 7,794,842 102,415 SH SOLE 0 0 102,415
ISHARES TR MSCI EAFE ETF 464287465 625,670 6,023 SH SOLE 0 0 6,023
ISHARES TR MSCI USA MIN ETF 46429B697 452,398 4,690 SH SOLE 0 0 4,690
ISHARES TR NATIONAL MUN ETF 464288414 2,186,304 20,315 SH SOLE 0 0 20,315
ISHARES TR RUS 1000 ETF 464287622 2,900,489 7,083 SH SOLE 0 0 7,083
ISHARES TR RUS 1000 GRW ETF 464287614 14,732,869 118,651 SH SOLE 0 0 118,651
ISHARES TR RUS 1000 VAL ETF 464287598 4,493,321 18,535 SH SOLE 0 0 18,535
ISHARES TR RUS 2000 GRW ETF 464287648 300,592 763 SH SOLE 0 0 763
ISHARES TR RUS 2000 VAL ETF 464287630 557,424 2,520 SH SOLE 0 0 2,520
ISHARES TR RUS MD CP GR ETF 464287481 1,781,810 12,170 SH SOLE 0 0 12,170
ISHARES TR RUS MDCP VAL ETF 464287473 3,860,415 23,453 SH SOLE 0 0 23,453
ISHARES TR RUSSELL 2000 ETF 464287655 488,595 1,626 SH SOLE 0 0 1,626
ISHARES TR S&P 500 GRWT ETF 464287309 671,913 4,886 SH SOLE 0 0 4,886
ISHARES TR S&P 500 VAL ETF 464287408 317,100 1,397 SH SOLE 0 0 1,397
ISHARES TR S&P MC 400GR ETF 464287606 349,093 2,971 SH SOLE 0 0 2,971
ISHARES TR S&P MC 400VL ETF 464287705 471,733 3,193 SH SOLE 0 0 3,193
ISHARES TR S&P SML 600 GWT 464287887 201,007 1,125 SH SOLE 0 0 1,125
ISHARES TR SP SMCP600VL ETF 464287879 755,357 5,526 SH SOLE 0 0 5,526
ISHARES TR TIPS BD ETF 464287176 3,105,077 28,375 SH SOLE 0 0 28,375
ISHARES TR TRUST ISHARE 0-1 464288679 552,573 5,007 SH SOLE 0 0 5,007
ISHARES TR U.S. REAL ES ETF 464287739 604,400 5,911 SH SOLE 0 0 5,911
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852 278,787 5,766 SH SOLE 0 0 5,766
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 3,084,916 61,003 SH SOLE 0 0 61,003
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1,238,382 24,282 SH SOLE 0 0 24,282
JOHNSON & JOHNSON COM 478160104 456,638 1,798 SH SOLE 0 0 1,798
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 779,152 6,656 SH SOLE 0 0 6,656
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 833,834 16,680 SH SOLE 0 0 16,680
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 328,773 6,308 SH SOLE 0 0 6,308
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,373,175 37,870 SH SOLE 0 0 37,870
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 1,144,729 36,808 SH SOLE 0 0 36,808
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 930,774 33,602 SH SOLE 0 0 33,602
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 516,311 17,828 SH SOLE 0 0 17,828
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 881,269 27,792 SH SOLE 0 0 27,792
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 16,758,802 495,236 SH SOLE 0 0 495,236
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 27,037,923 776,729 SH SOLE 0 0 776,729
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 676,950,386 23,002,052 SH SOLE 0 0 23,002,052
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 37,061,811 1,005,202 SH SOLE 0 0 1,005,202
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 25,701,450 711,360 SH SOLE 0 0 711,360
SCHWAB STRATEGIC TR US TIPS ETF 808524870 17,402,289 656,690 SH SOLE 0 0 656,690
SPDR GOLD TR GOLD SHS 78463V107 401,398 1,090 SH SOLE 0 0 1,090
SPDR INDEX SHS FDS ST MARKE CAP ETF 78463X756 248,106 3,339 SH SOLE 0 0 3,339
SPDR INDEX SHS FDS ST STR ACWI ETF 78463X848 1,056,526 25,978 SH SOLE 0 0 25,978
SPDR INDEX SHS FDS ST STR INFRA ETF 78463X855 413,226 5,458 SH SOLE 0 0 5,458
SPDR SERIES TRUST ST STR SP400GRW 78464A821 2,322,057 20,716 SH SOLE 0 0 20,716
SPDR SERIES TRUST ST STR SP400VAL 78464A839 6,961,516 73,395 SH SOLE 0 0 73,395
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 3,838,862 32,224 SH SOLE 0 0 32,224
SPDR SERIES TRUST ST STR SP600SM C 78464A300 16,674,062 152,819 SH SOLE 0 0 152,819
SPDR SERIES TRUST ST TERM HIGH ETF 78468R408 394,298 15,753 SH SOLE 0 0 15,753
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 565,226 1,082 SH SOLE 0 0 1,082
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 5,202,811 6,967 SH SOLE 0 0 6,967
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 466,338 711 SH SOLE 0 0 711
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 511,220 22,324 SH SOLE 0 0 22,324
VANGUARD INDEX FDS GROWTH ETF 922908736 70,454,068 817,902 SH SOLE 0 0 817,902
VANGUARD INDEX FDS LARGE CAP ETF 922908637 36,499,293 106,130 SH SOLE 0 0 106,130
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 11,564,049 37,754 SH SOLE 0 0 37,754
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 20,449,187 103,488 SH SOLE 0 0 103,488
VANGUARD INDEX FDS MID CAP ETF 922908629 21,131,192 262,271 SH SOLE 0 0 262,271
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 29,492,745 305,846 SH SOLE 0 0 305,846
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 55,825,129 81,282 SH SOLE 0 0 81,282
VANGUARD INDEX FDS SM CP VAL ETF 922908611 11,251,523 46,304 SH SOLE 0 0 46,304
VANGUARD INDEX FDS SMALL CP ETF 922908751 16,228,028 53,537 SH SOLE 0 0 53,537
VANGUARD INDEX FDS SML CP GRW ETF 922908595 23,765,137 64,985 SH SOLE 0 0 64,985
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,437,889 9,291 SH SOLE 0 0 9,291
VANGUARD INDEX FDS VALUE ETF 922908744 76,234,981 349,814 SH SOLE 0 0 349,814
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 62,992,743 752,152 SH SOLE 0 0 752,152
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 77,995,824 1,306,682 SH SOLE 0 0 1,306,682
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 771,869 9,339 SH SOLE 0 0 9,339
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 242,944 3,545 SH SOLE 0 0 3,545
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 438,457 1,853 SH SOLE 0 0 1,853
VANGUARD STAR FDS VG TL INTL STK F 921909768 666,624 7,798 SH SOLE 0 0 7,798
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 654,805 4,144 SH SOLE 0 0 4,144
VANGUARD WORLD FD UTILITIES ETF 92204A876 217,261 1,110 SH SOLE 0 0 1,110