Betterment 13F-HR Quarterly holdings report by institutional manager

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
ISHARES TR	TIPS BD ETF	464287176	1,943	18,735	SH		SOLE		1,943	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	6,298,461	29,652,373	SH		SOLE		6,298,461	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	72,960	474,258	SH		SOLE		72,960	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	537	3,538	SH		SOLE		537	0	0
ISHARES TR	RUS MDCP VAL ETF	464287473	226,750	2,173,187	SH		SOLE		226,750	0	0
ISHARES TR	RUS 2000 VAL ETF	464287630	143,507	1,058,701	SH		SOLE		143,507	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	1,428	17,630	SH		SOLE		1,428	0	0
VANGUARD TAX MANAGED INTL FD	VAN FTSE DEV MKT	921943858	4,735,356	108,000,000	SH		SOLE		4,735,356	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	3,045,014	77,659,118	SH		SOLE		3,045,014	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,320	3,089	SH		SOLE		1,320	0	0
ISHARES TR	SHORT TREAS BD	464288679	279,153	2,526,956	SH		SOLE		279,153	0	0
VANGUARD BD INDEX FD INC	TOTAL BND MRKT	921937835	104,266	1,494,204	SH		SOLE		104,266	0	0
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	235	2,347	SH		SOLE		235	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	2,956	39,074	SH		SOLE		2,956	0	0
ISHARES TR	CORE US AGGBD ET	464287226	867,925	9,229,315	SH		SOLE		867,925	0	0
VANGUARD WHITEHALL FDS INC	EM MK GOV BD ETF	921946885	126,182	2,132,898	SH		SOLE		126,182	0	0
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	1,782,529	37,268,002	SH		SOLE		1,782,529	0	0
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	254,021	5,372,686	SH		SOLE		254,021	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	13,836	135,621	SH		SOLE		13,836	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	1,052,176	10,261,126	SH		SOLE		1,052,176	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	6,274	114,413	SH		SOLE		6,274	0	0
ISHARES TR	NEW YORK MUN ETF	464288323	5,825	114,151	SH		SOLE		5,825	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	500	11,305	SH		SOLE		500	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	2,869	37,756	SH		SOLE		2,869	0	0
SPDR SERIES TRUST	PORTFOLIO INTRMD	78464A375	361	11,476	SH		SOLE		361	0	0
SPDR SERIES TRUST	NUVEEN BLMBRG MU	78468R721	225,273	5,154,992	SH		SOLE		225,273	0	0
ISHARES TR	JPMORGAN USD EMG	464288281	844,098	10,229,007	SH		SOLE		844,098	0	0
Invesco	EMRNG MKT SVRG	46138E784	4,939	270,338	SH		SOLE		4,939	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	335,750	6,735,205	SH		SOLE		335,750	0	0
ISHARES TR	CORE S&P TTL STK	464287150	1,252,082	13,293,148	SH		SOLE		1,252,082	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	1,754,714	12,721,775	SH		SOLE		1,754,714	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	120,715	1,872,715	SH		SOLE		120,715	0	0
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	1,400,405	10,693,378	SH		SOLE		1,400,405	0	0
ISHARES TR	S&P MC 400VL ETF	464287705	6,689	66,272	SH		SOLE		6,689	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,275,812	7,999,321	SH		SOLE		1,275,812	0	0
ISHARES TR	SP SMCP600VL ETF	464287879	374	4,189	SH		SOLE		374	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	498,686	14,684,524	SH		SOLE		498,686	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	791,209	12,295,402	SH		SOLE		791,209	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	2,259	94,350	SH		SOLE		2,259	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	476,061	10,003,390	SH		SOLE		476,061	0	0
VANGUARD SPECIALIZED PORTFOL	DIV APP ETF	921908844	2,054	13,219	SH		SOLE		2,054	0	0
SCHWAB STRATEGIC TR	DIV APP ETF	808524870	1,077	21,337	SH		SOLE		1,077	0	0
VANGUARD INTL EQUITY INDEX F	GLB EX US ETF	922042676	3,710	95,310	SH		SOLE		3,710	0	0
ISHARES TR	CORE S&P500 ETF	464287200	7,212	16,795	SH		SOLE		7,212	0	0
SCHWAB STRATEGIC TR	US REIT ETF	808524847	9,077	511,366	SH		SOLE		9,077	0	0
Invesco	UNIT SER 1	46090E103	12,115	33,815	SH		SOLE		12,115	0	0
VANGUARD BD INDEX FD INC	LONG TERM BOND	921937793	10,295	153,515	SH		SOLE		10,295	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	411	2,327	SH		SOLE		411	0	0
ISHARES	CORE LT USDB ETF	464289479	687	14,546	SH		SOLE		687	0	0
ISHARES TR	7-10 YR TRSY BD	464287440	7,168	78,264	SH		SOLE		7,168	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	1,275	17,529	SH		SOLE		1,275	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	25,212	133,346	SH		SOLE		25,212	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	889	4,267	SH		SOLE		889	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	93,508	238,116	SH		SOLE		93,508	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	1,446	5,799	SH		SOLE		1,446	0	0
FIRST TR EXCHANGE TRADED FD	NO AMER ENERGY	33738D101	1,094	41,416	SH		SOLE		1,094	0	0
ISHARES TR	RUSSELL 3000 ETF	464287689	685	2,795	SH		SOLE		685	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,209	17,081	SH		SOLE		1,209	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	51,550	189,305	SH		SOLE		51,550	0	0
ISHARES TR	CORE S&P US GWT	464287671	403	4,245	SH		SOLE		403	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	1,614	17,106	SH		SOLE		1,614	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	290	7,009	SH		SOLE		290	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	575	8,411	SH		SOLE		575	0	0
VANGUARD STAR FD	VG TL INTL STK F	921909768	1,473	27,520	SH		SOLE		1,473	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	1,105	12,230	SH		SOLE		1,105	0	0
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	1,244	14,235	SH		SOLE		1,244	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	8,331	164,652	SH		SOLE		8,331	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	239	3,536	SH		SOLE		239	0	0
DBX ETF TR	XTRACK HRVST CSI	233051879	277	10,644	SH		SOLE		277	0	0
SPDR SERIES TRUST	BLOOMBERG 1-3 MO	78468R663	1,169	12,733	SH		SOLE		1,169	0	0
ISHARES GOLD TRUST	ISHARES NEW	464285204	283	8,079	SH		SOLE		283	0	0
SPDR GOLD TRUST	GOLD SHS	78463V107	1,099	6,409	SH		SOLE		1,099	0	0
Invesco	GBL LISTED PVT	46137V118	620	12,003	SH		SOLE		620	0	0
INDEXIQ ETF TR	HEDGE MLTI ETF	45409B107	966	32,177	SH		SOLE		966	0	0
WISDOMTREE TR	FUTRE STRAT FD	97717W125	3,149	89,422	SH		SOLE		3,149	0	0
ISHARES TR	MSCI EAFE ETF	464287465	926	13,437	SH		SOLE		926	0	0
VANGUARD BD INDEX FD INC	INTERMED TERM	921937819	12,175	168,371	SH		SOLE		12,175	0	0
ETFS GOLD TR	PHYSCL GOLD SHS	00326A104	469	26,492	SH		SOLE		469	0	0
VANGUARD WHITEHALL FDS INC	HIGH DIV YLD	921946406	1,969	19,062	SH		SOLE		1,969	0	0
ISHARES TR	MSCI AC ASIA ETF	464288182	465	7,330	SH		SOLE		465	0	0
PIMCO ETF TR	ACTIVE BD ETF	72201R775	605	6,883	SH		SOLE		605	0	0
VANGUARD BD INDEX FD INC	SHORT TRM BOND	921937827	23,005	306,035	SH		SOLE		23,005	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	228	4,677	SH		SOLE		228	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	4,520	90,700	SH		SOLE		4,520	0	0
ISHARES TR	EAFE VALUE ETF	464288877	1,015	20,739	SH		SOLE		1,015	0	0
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	951	20,568	SH		SOLE		951	0	0
ISHARES TR	PFD AND INCM SEC	464288687	970	32,167	SH		SOLE		970	0	0
ISHARES TR	MBS ETF	464288588	13,808	155,490	SH		SOLE		13,808	0	0
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	812	16,557	SH		SOLE		812	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	460	4,676	SH		SOLE		460	0	0
ISHARES TR	20 YR TR BD ETF	464287432	2,893	32,624	SH		SOLE		2,893	0	0
VANGUARD BD INDEX FD INC	LONG TERM TREAS	92206C847	3,677	66,241	SH		SOLE		3,677	0	0
SPDR SERIES TRUST	PORTFOLIO LN TSR	78464A664	361	13,796	SH		SOLE		361	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	263	2,327	SH		SOLE		263	0	0
CAMBRIA ETF TR	VALUE MOMENTUM	132061888	2,674	100,390	SH		SOLE		2,674	0	0
CAMBRIA ETF TR	GLOBAL VALUE ETF	132061409	2,238	116,513	SH		SOLE		2,238	0	0
CAMBRIA ETF TR	GLB MOMENT ETF	132061508	11,516	427,303	SH		SOLE		11,516	0	0
CAMBRIA ETF TR	SHSHLD YIELD ETF	132061201	2,031	32,834	SH		SOLE		2,031	0	0
CAMBRIA ETF TR	CAMBRIA FGN SHR	132061300	1,063	44,314	SH		SOLE		1,063	0	0
CAMBRIA ETF TR	EMRG SHAREHLDR	132061706	1,023	35,679	SH		SOLE		1,023	0	0
Invesco	OPTIMUM YIELD	46090F100	471	31,498	SH		SOLE		471	0	0
WISDOMTREE TR	WISDOMTREE US VA	97717W547	245	3,967	SH		SOLE		245	0	0
VANGUARD BD INDEX FD INC	TAX EXEMPT BD	922907746	1,037	21,559	SH		SOLE		1,037	0	0
VANECK VECTORS TR	JP MRGAN EM LOC	92189H300	1,003	42,008	SH		SOLE		1,003	0	0
VANGUARD INDEX FDS	500 GRTH IDX F	921932505	5,435	22,020	SH		SOLE		5,435	0	0
VANGUARD INDEX FDS	VNG RUS1000GRW	92206C680	249	3,634	SH		SOLE		249	0	0
VANGUARD INDEX FDS	500 VAL IDX FD	921932703	5,507	37,035	SH		SOLE		5,507	0	0
ISHARES TR	CORE 1 5 YR USD	46432F859	1,883	40,599	SH		SOLE		1,883	0	0
ISHARES TR	INTRM GOV CR ETF	464288612	1,580	15,594	SH		SOLE		1,580	0	0
VANGUARD BD INDEX FD INC	MTG-BKD SECS ETF	92206C771	10,020	228,867	SH		SOLE		10,020	0	0
ISHARES TR	CORE INTL AGGR	46435G672	1,181	24,217	SH		SOLE		1,181	0	0
Goldman Sachs	ACTIVEBETA US LG	381430503	285,638	3,391,165	SH		SOLE		285,638	0	0
Goldman Sachs	ACTIVEBETA INT	381430107	146,716	4,885,657	SH		SOLE		146,716	0	0
Goldman Sachs	ACTIVEBETA EME	381430206	39,337	1,372,071	SH		SOLE		39,337	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	277	3,753	SH		SOLE		277	0	0
VANGUARD SCOTTSDALE FDS	LG-TERM COR BD	92206C813	244	3,410	SH		SOLE		244	0	0
ISHARES TR	RUS 1000 ETF	464287622	365	1,555	SH		SOLE		365	0	0
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	487	4,588	SH		SOLE		487	0	0
ISHARES TR	USD INV GRDE ETF	464288620	410	8,524	SH		SOLE		410	0	0
SPDR SERIES TRUST	BLOOMBERG HIGH Y	78468R622	494	5,465	SH		SOLE		494	0	0
ISHARES TR	10+ YR INVST GRD	464289511	239	5,072	SH		SOLE		239	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	1,083	34,207	SH		SOLE		1,083	0	0
Vanguard	SML CP GRW ETF	922908595	3,691	17,231	SH		SOLE		3,691	0	0
Vanguard	CONSUM STP ETF	92204A207	917	5,020	SH		SOLE		917	0	0
Vanguard	ALLWRLD EX US	922042775	1,008	19,424	SH		SOLE		1,008	0	0
Vanguard	HEALTH CAR ETF	92204A504	738	3,139	SH		SOLE		738	0	0
Vanguard	VNG RUS1000IDX	92206C730	413	2,123	SH		SOLE		413	0	0
Vanguard	MCAP GR IDXVIP	922908538	9,059	46,512	SH		SOLE		9,059	0	0
Vanguard	TT WRLD ST ETF	922042742	1,722	18,476	SH		SOLE		1,722	0	0
Vanguard	EXTEND MKT ETF	922908652	854	5,955	SH		SOLE		854	0	0
APPLE INC	COM	037833100	575	3,358	SH		SOLE		575	0	0
iShares	S&P MC 400GR ETF	464287606	343	4,743	SH		SOLE		343	0	0
iShares	RUS 1000 GRW ETF	464287614	721	2,711	SH		SOLE		721	0	0
iShares	RUS 2000 GRW ETF	464287648	663	2,960	SH		SOLE		663	0	0
iShares	ISHARES	46428Q109	388	19,071	SH		SOLE		388	0	0
iShares	MSCI USA MIN VOL	46429B697	751	10,370	SH		SOLE		751	0	0
iShares	0-5 YR TIPS ETF	46429B747	259,569	2,678,176	SH		SOLE		259,569	0	0
iShares	CORE MSCI TOTAL	46432F834	1,185	19,760	SH		SOLE		1,185	0	0
iShares	0-5YR HI YL CP	46434V407	5,839	142,315	SH		SOLE		5,839	0	0
Invesco	S&P500 EQL WGT	46137V357	245	1,729	SH		SOLE		245	0	0
Health	SBI HEALTHCARE	81369Y209	332	2,576	SH		SOLE		332	0	0
Vanguard	MEGA GRWTH IND	921910816	678	2,986	SH		SOLE		678	0	0
Vanguard	SHRT TRM CORP BD	92206C409	2,755	36,657	SH		SOLE		2,755	0	0
Vanguard	INTER TERM TREAS	92206C706	598	10,456	SH		SOLE		598	0	0
Schwab	SCHWAB FDT US LG	808524771	352	6,292	SH		SOLE		352	0	0
Schwab	SCHWAB FDT US SC	808524763	1,301	26,825	SH		SOLE		1,301	0	0
Schwab	SCHWB FDT EMK LG	808524730	662	25,237	SH		SOLE		662	0	0
MICROSOFT CORP	COM	594918104	224	711	SH		SOLE		224	0	0
Goldman Sachs	ACCES TREASURY	381430529	532,909	5,323,233	SH		SOLE		532,909	0	0
iShares	RUS MID CAP ETF	464287499	230	3,318	SH		SOLE		230	0	0
iShares	RUS MD CP GR ETF	464287481	215	2,352	SH		SOLE		215	0	0
SPDR State Street Global Advisors	SBI INT-UTILS	81369Y886	221	3,755	SH		SOLE		221	0	0
iShares	FLTG RATE NT ETF	46429B655	13,762	270,434	SH		SOLE		13,762	0	0
iShares	MSCI USA QLT FCT	46432F339	2,251	17,082	SH		SOLE		2,251	0	0
iShares	US TREAS BD ETF	46429B267	484	21,977	SH		SOLE		484	0	0
iShares	U.S. TECH ETF	464287721	301	2,871	SH		SOLE		301	0	0
SPDR State Street Global Advisors	PORTFOLIO SHORT	78464A474	1,077	36,720	SH		SOLE		1,077	0	0
ProShares	S&P 500 DV ARIST	74348A467	217	2,452	SH		SOLE		217	0	0
WisdomTree	US MIDCAP DIVID	97717W505	531	12,954	SH		SOLE		531	0	0
iShares	MSCI USA VALUE	46432F388	402	4,426	SH		SOLE		402	0	0
iShares	EAFE GRWTH ETF	464288885	910	10,539	SH		SOLE		910	0	0
iShares	MSCI USA MMENTM	46432F396	2,910	20,833	SH		SOLE		2,910	0	0
iShares	BLACKROCK ST MAT	46431W507	3,522	70,595	SH		SOLE		3,522	0	0
iShares	MSCI ACWI EX US	464288240	295	6,275	SH		SOLE		295	0	0
Vanguard	SHORT TERM TREAS	92206C102	2,804	48,679	SH		SOLE		2,804	0	0
Vanguard	MEGA CAP VAL ETF	921910840	228	2,246	SH		SOLE		228	0	0
Schwab ETFs	SHT TM US TRES	808524862	287	5,988	SH		SOLE		287	0	0
iShares	SHRT NAT MUN ETF	464288158	702	6,828	SH		SOLE		702	0	0
iShares	CORE S&P US VLU	464287663	275	3,681	SH		SOLE		275	0	0
iShares	CORE DIV GRWTH	46434V621	434	8,763	SH		SOLE		434	0	0
Van Eck	OIL SERVICES ETF	92189H607	608	1,763	SH		SOLE		608	0	0
WisdomTree	INTL SMCAP DIV	97717W760	700	12,174	SH		SOLE		700	0	0
Invesco	FTSE RAFI DEV	46138E743	364	8,360	SH		SOLE		364	0	0
SPDR State Street Global Advisors	S&P 600 SMCP VAL	78464A300	8,149	112,599	SH		SOLE		8,149	0	0
Van Eck	MRNGSTR WDE MOAT	92189F643	351	4,628	SH		SOLE		351	0	0
SPDR State Street Global Advisors	BLOOMBERG INVT	78468R200	210	6,827	SH		SOLE		210	0	0
Vanguard	MIDCP 400 GRTH	921932869	846	9,368	SH		SOLE		846	0	0
iShares	CORE TOTAL USD	46434V613	962	22,011	SH		SOLE		962	0	0
Schwab ETFs	INT-TRM U.S TRES	808524854	305	6,361	SH		SOLE		305	0	0
Invesco	S&P 500 HB ETF	46138E370	263	3,749	SH		SOLE		263	0	0
iShares	RUS TP200 GR ETF	464289438	720	4,678	SH		SOLE		720	0	0
SPDR State Street Global Advisors	PORTFOLIO DEVLPD	78463X889	2,524	81,380	SH		SOLE		2,524	0	0
iShares	MSCI KLD400 SOC	464288570	43,393	533,024	SH		SOLE		43,393	0	0
SPDR State Street Global Advisors	PRTFLO S&P500 GW	78464A409	1,011	17,058	SH		SOLE		1,011	0	0
Van Eck	FALLEN ANGEL HG	92189F437	2,187	80,825	SH		SOLE		2,187	0	0
First Trust	FIRST TR ENH NEW	33739Q408	1,578	26,557	SH		SOLE		1,578	0	0
SPDR State Street Global Advisors	NUVEEN BLOOMBERG	78464A284	1,077	45,210	SH		SOLE		1,077	0	0
iShares	MSCI USA ESG SLC	464288802	19,712	219,093	SH		SOLE		19,712	0	0
WisdomTree	US SMALLCAP FUND	97717W562	339	7,836	SH		SOLE		339	0	0
SPDR State Street Global Advisors	PORTFOLI S&P1500	78464A805	373	7,098	SH		SOLE		373	0	0
iShares	MSCI LW CRB TG	46434V464	186,498	1,241,248	SH		SOLE		186,498	0	0
iShares	GLOBAL REIT ETF	46434V647	267	12,615	SH		SOLE		267	0	0
SPDR State Street Global Advisors	PRTFLO S&P500 VL	78464A508	117,341	2,843,933	SH		SOLE		117,341	0	0
SPDR State Street Global Advisors	PORTFOLIO EMG MK	78463X509	22,533	671,232	SH		SOLE		22,533	0	0
Vanguard	INTL HIGH ETF	921946794	755	12,196	SH		SOLE		755	0	0
SPDR State Street Global Advisors	SPDR MSCI USA GE	78468R747	3,025	35,588	SH		SOLE		3,025	0	0
Vanguard	INTL DVD ETF	921946810	5,234	73,384	SH		SOLE		5,234	0	0
iShares	JP MRGN EM HI BD	464286285	2,307	67,772	SH		SOLE		2,307	0	0
John Hancock	MULTIFACTOR MI	47804J206	667	14,089	SH		SOLE		667	0	0
SPDR State Street Global Advisors	PORTFOLIO S&P500	78464A854	2,275	45,270	SH		SOLE		2,275	0	0
WisdomTree	US LARGECAP FUND	97717W588	1,275	27,860	SH		SOLE		1,275	0	0
SPDR State Street Global Advisors	SPDR S&P 500 ETF	78468R796	72,534	2,088,510	SH		SOLE		72,534	0	0
Legg Mason	FRANKLIN US LOW	52468L406	370	10,916	SH		SOLE		370	0	0
WisdomTree	YIELD ENHANCD US	97717X511	748	18,022	SH		SOLE		748	0	0
First Trust	RISNG DIVD ACHIV	33738R506	924	20,109	SH		SOLE		924	0	0
SPDR State Street Global Advisors	MSCI EAFE STRTGC	78463X434	420	6,271	SH		SOLE		420	0	0
iShares	ESG AW MSCI EAFE	46435G516	257,124	3,719,424	SH		SOLE		257,124	0	0
iShares	CRE U S REIT ETF	464288521	457	9,695	SH		SOLE		457	0	0
First Trust Exchange-Traded Fund VIII	TCW OPPORTUNIS	33740F805	2,600	61,806	SH		SOLE		2,600	0	0
EA Series Trust	US QUAN VALUE	02072L102	545	14,692	SH		SOLE		545	0	0
EA Series Trust	INTL QUAN VALUE	02072L201	395	16,728	SH		SOLE		395	0	0
iShares	ESG AWR MSCI EM	46434G863	79,761	2,634,129	SH		SOLE		79,761	0	0
SPDR State Street Global Advisors	MSCI EAFE FS ETF	78470E106	41,864	1,180,270	SH		SOLE		41,864	0	0
EA Series Trust	INTL QUAN MOMNTM	02072L300	344	14,012	SH		SOLE		344	0	0
iShares	MSCI INTL QUALTY	46434V456	1,772	52,729	SH		SOLE		1,772	0	0
iShares	MSCI INTL MOMENT	46434V449	1,450	46,054	SH		SOLE		1,450	0	0
Ark ETF Trust	NEXT GNRTN INTER	00214Q401	1,012	18,678	SH		SOLE		1,012	0	0
iShares	TRS FLT RT BD	46434V860	7,013	138,220	SH		SOLE		7,013	0	0
Ark ETF Trust	INNOVATION ETF	00214Q104	904	22,799	SH		SOLE		904	0	0
ProShares	PRIV EQTY-LSTD	74348A533	225	8,608	SH		SOLE		225	0	0
iShares	FALN ANGLS USD	46435G474	5,504	221,936	SH		SOLE		5,504	0	0
Pacer	US CASH COWS 100	69374H881	703	14,227	SH		SOLE		703	0	0
iShares	ESG AWR MSCI USA	46435G425	240,882	2,565,032	SH		SOLE		240,882	0	0
SPDR State Street Global Advisors	MSCI EMR MKT ETF	78470E205	25,538	880,927	SH		SOLE		25,538	0	0
Invesco	S&P INTL MOMNT	46138E222	289	8,713	SH		SOLE		289	0	0
WisdomTree	EM EX ST-OWNED	97717X578	3,879	145,450	SH		SOLE		3,879	0	0
Invesco	S&P 500 MOMNTM	46138E339	283	4,932	SH		SOLE		283	0	0
WisdomTree	FLOATNG RAT TREA	97717Y527	241	4,798	SH		SOLE		241	0	0
Goldman Sachs	ACTIVEBETA US	381430602	36,035	645,205	SH		SOLE		36,035	0	0
Goldman Sachs	ACCESS INVT GR	381430479	19,349	447,795	SH		SOLE		19,349	0	0
XTRACKERS	XTRACK USD HIGH	233051432	6,737	198,735	SH		SOLE		6,737	0	0
ISHARES	BROAD USD HIGH	46435U853	2,443	70,385	SH		SOLE		2,443	0	0
GraniteShares	BBG COMMD K 1	38747R108	9,873	457,303	SH		SOLE		9,873	0	0
SPDR State Street Global Advisors	SPDR GLD MINIS	98149E303	385	10,494	SH		SOLE		385	0	0
JP Morgan	ULTRA SHRT INC	46641Q837	184,386	3,674,486	SH		SOLE		184,386	0	0
Goldman Sachs	ACCESS INFLATI	381430362	4,465	94,420	SH		SOLE		4,465	0	0
iShares	ESG AWR US AGRGT	46435U549	17,908	395,313	SH		SOLE		17,908	0	0
AVANTIS INTL	INTL SMCP VLU	025072802	983	16,992	SH		SOLE		983	0	0
Avantis	US SML CP VALU	025072877	2,207	28,310	SH		SOLE		2,207	0	0
Goldman Sachs	ACCESS US AGRAT	38149W101	29,513	742,847	SH		SOLE		29,513	0	0
Impact Shares	NAACP MINO ETF	45259A209	3,052	98,763	SH		SOLE		3,052	0	0
iShares	USD GRN BOND ETF	46435U440	43,998	974,909	SH		SOLE		43,998	0	0
Dimensional Fund Advisors	INTL CORE EQT MK	25434V203	14,951	572,609	SH		SOLE		14,951	0	0
Dimensional Fund Advisors	EMGR CRE EQT MNG	25434V302	5,140	227,732	SH		SOLE		5,140	0	0
Dimensional Fund Advisors	US CORE EQT MKT	25434V104	32,096	1,071,665	SH		SOLE		32,096	0	0
Cambria Funds	GBL REAL EST ETF	132061813	870	37,951	SH		SOLE		870	0	0
ISHARES	ESG AWRE USD ETF	46435G193	13,050	599,715	SH		SOLE		13,050	0	0
iShares	ESG ADV TTL USD	46436E619	1,679	41,096	SH		SOLE		1,679	0	0
iShares	ESG AWRE 1 5 YR	46435G243	288	12,119	SH		SOLE		288	0	0
iShares	ESG EAFE ETF	46436E759	381	6,666	SH		SOLE		381	0	0
Vanguard	ESG INTL STK ETF	921910725	609	12,067	SH		SOLE		609	0	0
iShares	ESG MSCI USA ETF	46436E767	357	10,303	SH		SOLE		357	0	0
BlackRock Fund Advisors	ESG AWARE MSCI	46435U663	14,924	443,495	SH		SOLE		14,924	0	0
VANGUARD	ESG US STK ETF	921910733	29,198	388,173	SH		SOLE		29,198	0	0
INVESCO EXCH TRADED FD TR II	NASDAQ 100 ETF	46138G649	555	3,767	SH		SOLE		555	0	0
State Street Global Advisors Inc	S&P KENSHO NEW	78468R648	52,691	1,330,250	SH		SOLE		52,691	0	0
PACER FDS TR	PACER US SMALL	69374H857	235	5,630	SH		SOLE		235	0	0
Dimensional	US SMALL CAP ETF	25434V500	450	8,579	SH		SOLE		450	0	0
Dimensional	US TARGETED VLU	25434V609	3,321	72,683	SH		SOLE		3,321	0	0
Dimensional	US EQUITY ETF	25434V401	1,037	22,274	SH		SOLE		1,037	0	0
Dimensional	US CORE EQUITY 2	25434V708	29,788	1,136,936	SH		SOLE		29,788	0	0
AMERICAN CENTY ETF TR	US EQT ETF	025072885	1,214	16,574	SH		SOLE		1,214	0	0
J P MORGAN EXCHANGE TRADED	EQUITY PREMIUM	46641Q332	396	7,401	SH		SOLE		396	0	0
ABRDN SILVER ETF TRUST	PHYSCL SILVR SHS	003264108	406	19,084	SH		SOLE		406	0	0
Western Asset Management Co	0-3 MNTH TREASRY	46436E718	2,878	28,586	SH		SOLE		2,878	0	0
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	11,003	223,686	SH		SOLE		11,003	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	243	6,974	SH		SOLE		243	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C417	627	20,594	SH		SOLE		627	0	0
Innovator Capital Management LLC	US EQTY PWR BUF	45782C797	408	12,028	SH		SOLE		408	0	0
Innovator Capital Management LLC	US EQTY BUF OCT	45782C771	275	7,733	SH		SOLE		275	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C813	267	7,919	SH		SOLE		267	0	0
J P MORGAN EXCHANGE TRADED	SHORT DURA CORE	46641Q274	216	4,766	SH		SOLE		216	0	0
Innovator Capital Management LLC	US EQTY ULTRA B	45782C821	720	23,581	SH		SOLE		720	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C748	296	9,454	SH		SOLE		296	0	0
Engine No. 1	TRANSFRM 500 ETF	29287L106	48,162	965,567	SH		SOLE		48,162	0	0
Dimensional Fund Advisors LP	INTERNATNAL VAL	25434V807	1,363	41,771	SH		SOLE		1,363	0	0
Dimensional Fund Advisors LP	WORLD EX US CORE	25434V880	5,091	226,047	SH		SOLE		5,091	0	0
Exchange Traded Concepts LLC	BITWISE CRYPTO	301505624	732	109,289	SH		SOLE		732	0	0
Simplify Asset Management Inc	US EQT PLS UPSID	82889N301	223	7,652	SH		SOLE		223	0	0
Proshare Capital Management LLC	BITCOIN STRATE	74347G440	336	24,364	SH		SOLE		336	0	0
Dimensional Fund Advisors LP	CORE FIXED INCOM	25434V872	8,649	214,251	SH		SOLE		8,649	0	0
Dimensional Fund Advisors LP	SHORT DURATION F	25434V864	2,895	62,422	SH		SOLE		2,895	0	0
Dimensional Fund Advisors LP	NATL MUN BD ETF	25434V849	253	5,438	SH		SOLE		253	0	0
Dimensional Fund Advisors LP	US HIGH PROFITAB	25434V831	641	24,955	SH		SOLE		641	0	0
Dimensional Fund Advisors LP	US REAL ESTATE E	25434V823	1,408	72,142	SH		SOLE		1,408	0	0
Dimensional Fund Advisors LP	INTL SMALL CAP E	25434V773	1,117	50,925	SH		SOLE		1,117	0	0
Dimensional Fund Advisors LP	INTL SMALL CAP V	25434V781	370	15,564	SH		SOLE		370	0	0
Dimensional Fund Advisors LP	INTL HIGH PROFIT	25434V765	260	11,207	SH		SOLE		260	0	0
Dimensional Fund Advisors LP	INTL CORE EQUITY	25434V799	6,058	259,442	SH		SOLE		6,058	0	0
Dimensional Fund Advisors LP	US MKTWIDE VALUE	25434V724	355	10,421	SH		SOLE		355	0	0
Dimensional Fund Advisors LP	EMERGING MKTS CO	25434V732	2,600	111,555	SH		SOLE		2,600	0	0
Dimensional Fund Advisors LP	EMERGING MKTS VA	25434V740	697	29,437	SH		SOLE		697	0	0
Dimensional Fund Advisors LP	EMERGING MKTS HI	25434V757	518	22,851	SH		SOLE		518	0	0
Goldman Sachs Asset Management LP	ACCESS EMNG MKTS	381430388	9,919	259,193	SH		SOLE		9,919	0	0
Dimensional Fund Advisors LP	US SMALL CAP VAL	25434V815	1,008	39,767	SH		SOLE		1,008	0	0
Dimensional Fund Advisors LP	US LARGE CAP VAL	25434V666	256	10,338	SH		SOLE		256	0	0