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

OMB APPROVAL

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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	Common	464287176	371	2,902	SH		SOLE		2,902	0	0
VANGUARD INDEX FDS	Common	922908769	6,115,859	27,541,472	SH		SOLE		27,541,472	0	0
ISHARES TR	Common	464287408	83,842	576,550	SH		SOLE		576,550	0	0
ISHARES TR	Common	464287598	428	2,735	SH		SOLE		2,735	0	0
ISHARES TR	Common	464287473	216,940	1,915,588	SH		SOLE		1,915,588	0	0
ISHARES TR	Common	464287630	180,386	1,125,796	SH		SOLE		1,125,796	0	0
ISHARES TR	Common	464287457	2,840	32,960	SH		SOLE		32,960	0	0
VANGUARD TAX MANAGED INTL FD	Common	921943858	4,563,056	90,375,434	SH		SOLE		90,375,434	0	0
VANGUARD INTL EQUITY INDEX F	Common	922042858	2,891,258	57,813,602	SH		SOLE		57,813,602	0	0
SPDR SP 500 ETF TR	Common	78462F103	540	1,258	SH		SOLE		1,258	0	0
ISHARES TR	Common	464288679	630,331	5,705,905	SH		SOLE		5,705,905	0	0
VANGUARD BD INDEX FD INC	Common	921937835	135,106	1,581,109	SH		SOLE		1,581,109	0	0
VANGUARD INDEX FDS	Common	922908553	871	8,560	SH		SOLE		8,560	0	0
ISHARES TR	Common	464287226	784,188	6,829,117	SH		SOLE		6,829,117	0	0
VANGUARD WHITEHALL FDS INC	Common	921946885	104,880	1,339,462	SH		SOLE		1,339,462	0	0
VANGUARD CHARLOTTE FDS	Common	92203J407	1,739,550	30,539,845	SH		SOLE		30,539,845	0	0
VANGUARD MALVERN FDS	Common	922020805	503,692	9,579,540	SH		SOLE		9,579,540	0	0
ISHARES TR	Common	464287242	18,617	139,943	SH		SOLE		139,943	0	0
ISHARES TR	Common	464288414	1,143,642	9,844,554	SH		SOLE		9,844,554	0	0
ISHARES TR	Common	464288356	4,713	75,917	SH		SOLE		75,917	0	0
ISHARES TR	Common	464288323	5,024	86,827	SH		SOLE		86,827	0	0
VANGUARD SCOTTSDALE FDS	Common	92206C870	3,420	36,225	SH		SOLE		36,225	0	0
SPDR SERIES TRUST	Common	78468R721	188,732	3,659,715	SH		SOLE		3,659,715	0	0
ISHARES TR	Common	464288281	879,997	7,995,611	SH		SOLE		7,995,611	0	0
Invesco	Common	46138E784	2,779	104,185	SH		SOLE		104,185	0	0
SCHWAB STRATEGIC TR	Common	808524102	407,224	3,920,896	SH		SOLE		3,920,896	0	0
ISHARES TR	Common	464287150	972,525	9,885,391	SH		SOLE		9,885,391	0	0
VANGUARD INDEX FDS	Common	922908744	1,704,152	12,588,848	SH		SOLE		12,588,848	0	0
SCHWAB STRATEGIC TR	Common	808524409	157,874	2,339,572	SH		SOLE		2,339,572	0	0
VANGUARD INDEX FDS	Common	922908512	1,415,983	10,142,418	SH		SOLE		10,142,418	0	0
ISHARES TR	Common	464287705	5,975	57,986	SH		SOLE		57,986	0	0
VANGUARD INDEX FDS	Common	922908611	1,245,780	7,360,157	SH		SOLE		7,360,157	0	0
SCHWAB STRATEGIC TR	Common	808524805	695,953	17,983,274	SH		SOLE		17,983,274	0	0
ISHARES TR	Common	46432F842	449,975	6,060,267	SH		SOLE		6,060,267	0	0
SCHWAB STRATEGIC TR	Common	808524706	2,737	89,781	SH		SOLE		89,781	0	0
ISHARES INC	Common	46434G103	449,685	7,281,168	SH		SOLE		7,281,168	0	0
VANGUARD SPECIALIZED PORTFOL	Common	921908844	699	4,552	SH		SOLE		4,552	0	0
SCHWAB STRATEGIC TR	Common	808524870	1,612	25,754	SH		SOLE		25,754	0	0
VANGUARD INTL EQUITY INDEX F	Common	922042676	2,190	38,888	SH		SOLE		38,888	0	0
ISHARES TR	Common	464287200	3,038	7,052	SH		SOLE		7,052	0	0
SCHWAB STRATEGIC TR	Common	808524847	5,260	115,157	SH		SOLE		115,157	0	0
Invesco	Common	46090E103	8,266	23,093	SH		SOLE		23,093	0	0
VANGUARD BD INDEX FD INC	Common	921937793	10,819	105,722	SH		SOLE		105,722	0	0
ISHARES TR	Common	464287655	357	1,633	SH		SOLE		1,633	0	0
ISHARES	Common	464289479	885	12,370	SH		SOLE		12,370	0	0
ISHARES TR	Common	464287440	3,546	30,779	SH		SOLE		30,779	0	0
VANGUARD INDEX FDS	Common	922908751	16,331	74,683	SH		SOLE		74,683	0	0
VANGUARD INDEX FDS	Common	922908629	503	2,125	SH		SOLE		2,125	0	0
VANGUARD INDEX FDS	Common	922908363	43,692	110,782	SH		SOLE		110,782	0	0
FIRST TR EXCHANGE TRADED FD	Common	33738D101	917	38,726	SH		SOLE		38,726	0	0
ISHARES TR	Common	464287689	236	926	SH		SOLE		926	0	0
SCHWAB STRATEGIC TR	Common	808524797	221	2,980	SH		SOLE		2,980	0	0
VANGUARD INDEX FDS	Common	922908736	42,643	146,958	SH		SOLE		146,958	0	0
SCHWAB STRATEGIC TR	Common	808524607	264	2,633	SH		SOLE		2,633	0	0
ISHARES TR	Common	464287309	381	5,161	SH		SOLE		5,161	0	0
VANGUARD STAR FD	Common	921909768	847	13,384	SH		SOLE		13,384	0	0
VANGUARD ADMIRAL FDS INC	Common	921932828	659	3,270	SH		SOLE		3,270	0	0
SCHWAB STRATEGIC TR	Common	808524201	358	3,441	SH		SOLE		3,441	0	0
DBX ETF TR	Common	233051879	295	7,745	SH		SOLE		7,745	0	0
Invesco	Common	46137V589	1,369	91,414	SH		SOLE		91,414	0	0
INDEXIQ ETF TR	Common	45409B107	1,329	41,849	SH		SOLE		41,849	0	0
WISDOMTREE TR	Common	97717W125	3,859	94,134	SH		SOLE		94,134	0	0
VANGUARD BD INDEX FD INC	Common	921937819	11,657	130,337	SH		SOLE		130,337	0	0
ETFS GOLD TR	Common	00326A104	607	36,028	SH		SOLE		36,028	0	0
VANGUARD WHITEHALL FDS INC	Common	921946406	910	8,806	SH		SOLE		8,806	0	0
VANGUARD BD INDEX FD INC	Common	921937827	19,381	236,529	SH		SOLE		236,529	0	0
ISHARES TR	Common	464288646	8,476	155,123	SH		SOLE		155,123	0	0
ISHARES	Common	464286533	6,417	102,385	SH		SOLE		102,385	0	0
ISHARES TR	Common	464288687	783	20,170	SH		SOLE		20,170	0	0
ISHARES TR	Common	464288588	10,838	100,218	SH		SOLE		100,218	0	0
MARKET VECTORS ETF TR	Common	92189H409	637	10,193	SH		SOLE		10,193	0	0
ISHARES TR	Common	464288653	406	2,760	SH		SOLE		2,760	0	0
VANGUARD BD INDEX FD INC	Common	92206C847	800	9,125	SH		SOLE		9,125	0	0
SPDR SERIES TRUST	Common	78464A664	13,637	330,278	SH		SOLE		330,278	0	0
CAMBRIA ETF TR	Common	132061888	3,307	137,911	SH		SOLE		137,911	0	0
CAMBRIA ETF TR	Common	132061409	3,115	134,384	SH		SOLE		134,384	0	0
CAMBRIA ETF TR	Common	132061508	15,937	544,678	SH		SOLE		544,678	0	0
CAMBRIA ETF TR	Common	132061201	2,246	37,311	SH		SOLE		37,311	0	0
CAMBRIA ETF TR	Common	132061300	1,158	42,979	SH		SOLE		42,979	0	0
CAMBRIA ETF TR	Common	132061706	1,211	34,168	SH		SOLE		34,168	0	0
Invesco	Common	46090F100	825	39,171	SH		SOLE		39,171	0	0
WISDOMTREE TR	Common	97717W547	237	3,994	SH		SOLE		3,994	0	0
VANGUARD BD INDEX FD INC	Common	922907746	1,324	24,181	SH		SOLE		24,181	0	0
VANECK VECTORS TR	Common	92189H300	1,364	45,498	SH		SOLE		45,498	0	0
VANGUARD INDEX FDS	Common	921932505	3,364	12,614	SH		SOLE		12,614	0	0
VANGUARD INDEX FDS	Common	921932703	2,109	14,997	SH		SOLE		14,997	0	0
ISHARES TR	Common	46432F859	347	6,785	SH		SOLE		6,785	0	0
ISHARES TR	Common	464288612	632	5,489	SH		SOLE		5,489	0	0
VANGUARD BD INDEX FD INC	Common	92206C771	10,837	203,350	SH		SOLE		203,350	0	0
ISHARES TR	Common	46435G672	1,214	22,063	SH		SOLE		22,063	0	0
Goldman Sachs	Common	381430503	198,182	2,303,633	SH		SOLE		2,303,633	0	0
Goldman Sachs	Common	381430107	93,362	2,732,278	SH		SOLE		2,732,278	0	0
Goldman Sachs	Common	381430206	17,023	458,849	SH		SOLE		458,849	0	0
ISHARES TR	Common	464288513	4,266	48,757	SH		SOLE		48,757	0	0
VANGUARD SCOTTSDALE FDS	Common	92206C813	4,261	40,358	SH		SOLE		40,358	0	0
ISHARES TR	Common	464289511	842	12,158	SH		SOLE		12,158	0	0
SCHWAB STRATEGIC TR	Common	808524755	240	7,310	SH		SOLE		7,310	0	0
Vanguard	Common	922908595	3,223	11,503	SH		SOLE		11,503	0	0
Vanguard	Common	922042775	211	3,459	SH		SOLE		3,459	0	0
Vanguard	Common	922908538	3,627	15,348	SH		SOLE		15,348	0	0
Vanguard	Common	922042742	686	6,740	SH		SOLE		6,740	0	0
Vanguard	Common	922908652	659	3,614	SH		SOLE		3,614	0	0
iShares	Common	464287614	306	1,116	SH		SOLE		1,116	0	0
iShares	Common	464287648	288	982	SH		SOLE		982	0	0
iShares	Common	46429B747	379	3,591	SH		SOLE		3,591	0	0
iShares	Common	46432F834	440	6,195	SH		SOLE		6,195	0	0
iShares	Common	46434V407	7,000	153,179	SH		SOLE		153,179	0	0
Invesco	Common	46137V357	315	2,104	SH		SOLE		2,104	0	0
Vanguard	Common	92206C409	5,625	68,253	SH		SOLE		68,253	0	0
Goldman Sachs	Common	381430529	231,438	2,312,532	SH		SOLE		2,312,532	0	0
iShares	Common	46429B655	6,354	124,979	SH		SOLE		124,979	0	0
iShares	Common	46432F339	599	4,544	SH		SOLE		4,544	0	0
iShares	Common	464286525	6,167	60,030	SH		SOLE		60,030	0	0
iShares	Common	46432F396	1,047	5,960	SH		SOLE		5,960	0	0
iShares	Common	46431W507	15,615	311,437	SH		SOLE		311,437	0	0
Vanguard	Common	92206C102	2,925	47,627	SH		SOLE		47,627	0	0
SPDR State Street Global Advisors	Common	78467V608	450	9,774	SH		SOLE		9,774	0	0
iShares	Common	464288158	1,155	10,738	SH		SOLE		10,738	0	0
SPDR State Street Global Advisors	Common	78464A300	9,405	114,754	SH		SOLE		114,754	0	0
Van Eck	Common	92189F643	6,277	85,698	SH		SOLE		85,698	0	0
Vanguard	Common	921932869	773	3,927	SH		SOLE		3,927	0	0
Vanguard	Common	921932844	244	1,532	SH		SOLE		1,532	0	0
WisdomTree	Common	97717W570	451	8,679	SH		SOLE		8,679	0	0
iShares	Common	464288570	63,579	764,075	SH		SOLE		764,075	0	0
SPDR State Street Global Advisors	Common	78464A409	564	8,814	SH		SOLE		8,814	0	0
Van Eck	Common	92189F437	1,986	60,085	SH		SOLE		60,085	0	0
iShares	Common	464288802	25,884	269,762	SH		SOLE		269,762	0	0
iShares	Common	46434V464	140,347	854,266	SH		SOLE		854,266	0	0
iShares	Common	46434V647	282	10,294	SH		SOLE		10,294	0	0
SPDR State Street Global Advisors	Common	78464A508	29,115	746,539	SH		SOLE		746,539	0	0
SPDR State Street Global Advisors	Common	78463X509	13,350	313,889	SH		SOLE		313,889	0	0
SPDR State Street Global Advisors	Common	78468R747	2,953	29,248	SH		SOLE		29,248	0	0
iShares	Common	464286285	5,443	122,703	SH		SOLE		122,703	0	0
PIMCO	Common	72201R304	10,665	122,949	SH		SOLE		122,949	0	0
SPDR State Street Global Advisors	Common	78468R788	453	11,577	SH		SOLE		11,577	0	0
SPDR State Street Global Advisors	Common	78468R796	65,852	619,899	SH		SOLE		619,899	0	0
iShares	Common	46435G516	207,815	2,651,383	SH		SOLE		2,651,383	0	0
First Trust Exchange-Traded Fund VIII	Common	33740F805	1,827	34,111	SH		SOLE		34,111	0	0
iShares	Common	46431W705	1,493	15,586	SH		SOLE		15,586	0	0
iShares	Common	46434G863	61,794	1,491,169	SH		SOLE		1,491,169	0	0
Exchange Traded Concepts Trust	Common	301505889	2,470	49,811	SH		SOLE		49,811	0	0
SPDR State Street Global Advisors	Common	78470E106	30,860	373,384	SH		SOLE		373,384	0	0
iShares	Common	46435G326	8,396	125,656	SH		SOLE		125,656	0	0
iShares	Common	46434V456	616	16,270	SH		SOLE		16,270	0	0
iShares	Common	46434V449	346	9,099	SH		SOLE		9,099	0	0
Ark ETF Trust	Common	00214Q401	387	2,789	SH		SOLE		2,789	0	0
Ark ETF Trust	Common	00214Q104	4,443	40,197	SH		SOLE		40,197	0	0
iShares	Common	46435G474	4,661	154,812	SH		SOLE		154,812	0	0
iShares	Common	46435G433	219	5,895	SH		SOLE		5,895	0	0
iShares	Common	46435G425	205,298	2,085,092	SH		SOLE		2,085,092	0	0
SPDR State Street Global Advisors	Common	78470E205	16,888	226,084	SH		SOLE		226,084	0	0
First Trust	Common	33734X853	3,651	56,979	SH		SOLE		56,979	0	0
Goldman Sachs	Common	381430602	28,324	449,522	SH		SOLE		449,522	0	0
Goldman Sachs	Common	381430479	18,833	346,448	SH		SOLE		346,448	0	0
Goldman Sachs	Common	381430453	5,041	100,564	SH		SOLE		100,564	0	0
XTRACKERS	Common	233051432	5,015	125,124	SH		SOLE		125,124	0	0
ISHARES	Common	46435U853	6,247	150,530	SH		SOLE		150,530	0	0
GraniteShares	Common	38747R108	3,853	127,998	SH		SOLE		127,998	0	0
SPDR State Street Global Advisors	Common	98149E204	2,275	130,300	SH		SOLE		130,300	0	0
JP Morgan	Common	46641Q837	181,288	3,574,296	SH		SOLE		3,574,296	0	0
Goldman Sachs	Common	381430362	3,798	65,778	SH		SOLE		65,778	0	0
iShares	Common	46435U549	10,596	192,193	SH		SOLE		192,193	0	0
AVANTIS INTL	Common	025072802	458	7,084	SH		SOLE		7,084	0	0
Avantis	Common	025072877	768	10,160	SH		SOLE		10,160	0	0
Goldman Sachs	Common	38149W101	7,287	149,018	SH		SOLE		149,018	0	0
Impact Shares	Common	45259A209	2,922	89,368	SH		SOLE		89,368	0	0
iShares	Common	46435U440	34,148	622,349	SH		SOLE		622,349	0	0
Dimensional Fund Advisors	Common	25434V203	1,877	64,912	SH		SOLE		64,912	0	0
Dimensional Fund Advisors	Common	25434V302	1,029	37,762	SH		SOLE		37,762	0	0
Dimensional Fund Advisors	Common	25434V104	3,410	113,155	SH		SOLE		113,155	0	0
Cambria Funds	Common	132061813	983	31,421	SH		SOLE		31,421	0	0
Dynamic Beta Investments	Common	53700T827	307	11,012	SH		SOLE		11,012	0	0
ISHARES	Common	46435G193	7,606	276,586	SH		SOLE		276,586	0	0
iShares	Common	46436E619	2,371	47,807	SH		SOLE		47,807	0	0
iShares	Common	46435G243	3,601	138,593	SH		SOLE		138,593	0	0
iShares	Common	46436E759	426	6,281	SH		SOLE		6,281	0	0
Vanguard	Common	921910725	15,921	257,870	SH		SOLE		257,870	0	0
iShares	Common	46436E767	429	11,868	SH		SOLE		11,868	0	0
VANGUARD	Common	921910733	18,767	234,415	SH		SOLE		234,415	0	0
Dimensional	Common	25434V500	321	5,582	SH		SOLE		5,582	0	0
Dimensional	Common	25434V401	1,990	42,190	SH		SOLE		42,190	0	0
Dimensional	Common	25434V708	6,324	238,025	SH		SOLE		238,025	0	0
Engine No. 1	Common	29287L106	14,193	278,519	SH		SOLE		278,519	0	0
Dimensional Fund Advisors LP	Common	25434V880	3,626	140,092	SH		SOLE		140,092	0	0