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

OMB Number:		3235-0006
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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	1,890	17,759	SH		SOLE		17,759	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	5,515,359	28,847,527	SH		SOLE		28,847,527	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	73,665	507,786	SH		SOLE		507,786	0	0
ISHARES TR	RUS MDCP VAL ETF	464287473	218,116	2,070,592	SH		SOLE		2,070,592	0	0
ISHARES TR	RUS 2000 VAL ETF	464287630	153,679	1,108,236	SH		SOLE		1,108,236	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	4,247	52,321	SH		SOLE		52,321	0	0
VANGUARD TAX MANAGED INTL FD	VAN FTSE DEV MKT	921943858	4,363,180	103,959,506	SH		SOLE		103,959,506	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	2,797,855	71,776,690	SH		SOLE		71,776,690	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,353	3,537	SH		SOLE		3,537	0	0
ISHARES TR	SHORT TREAS BD	464288679	366,797	3,336,947	SH		SOLE		3,336,947	0	0
VANGUARD BD INDEX FD INC	TOTAL BND MRKT	921937835	104,780	1,458,517	SH		SOLE		1,458,517	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	2,449	29,697	SH		SOLE		29,697	0	0
ISHARES TR	CORE US AGGBD ET	464287226	768,405	7,922,519	SH		SOLE		7,922,519	0	0
VANGUARD WHITEHALL FDS INC	EM MK GOV BD ETF	921946885	133,212	2,184,526	SH		SOLE		2,184,526	0	0
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	1,640,254	34,582,637	SH		SOLE		34,582,637	0	0
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	384,845	8,239,033	SH		SOLE		8,239,033	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	13,222	125,406	SH		SOLE		125,406	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	1,020,191	9,668,221	SH		SOLE		9,668,221	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	4,339	77,324	SH		SOLE		77,324	0	0
ISHARES TR	NEW YORK MUN ETF	464288323	5,011	95,626	SH		SOLE		95,626	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	2,488	32,104	SH		SOLE		32,104	0	0
SPDR SERIES TRUST	PORTFOLIO INTRMD	78464A375	545	17,114	SH		SOLE		17,114	0	0
SPDR SERIES TRUST	NUVEEN BLMBRG MU	78468R721	245,002	5,370,505	SH		SOLE		5,370,505	0	0
ISHARES TR	JPMORGAN USD EMG	464288281	780,397	9,225,638	SH		SOLE		9,225,638	0	0
Invesco	I EMRNG MKT SVRG	46138E784	5,709	305,783	SH		SOLE		305,783	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	324,486	7,241,364	SH		SOLE		7,241,364	0	0
ISHARES TR	CORE S&P TTL STK	464287150	1,153,996	13,608,449	SH		SOLE		13,608,449	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	1,696,616	12,086,745	SH		SOLE		12,086,745	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	132,738	2,010,576	SH		SOLE		2,010,576	0	0
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	1,351,508	9,993,406	SH		SOLE		9,993,406	0	0
ISHARES TR	S&P MC 400VL ETF	464287705	4,734	46,963	SH		SOLE		46,963	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,184,528	7,459,242	SH		SOLE		7,459,242	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	527,886	16,388,889	SH		SOLE		16,388,889	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	758,273	12,301,643	SH		SOLE		12,301,643	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	2,282	96,397	SH		SOLE		96,397	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	455,126	9,745,736	SH		SOLE		9,745,736	0	0
VANGUARD SPECIALIZED PORTFOL	DIV APP ETF	921908844	1,731	11,398	SH		SOLE		11,398	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	1,481	28,595	SH		SOLE		28,595	0	0
VANGUARD INTL EQUITY INDEX F	GLB EX US ETF	922042676	3,948	95,495	SH		SOLE		95,495	0	0
ISHARES TR	CORE S&P500 ETF	464287200	6,378	16,600	SH		SOLE		16,600	0	0
SCHWAB STRATEGIC TR	US REIT ETF	808524847	9,540	494,540	SH		SOLE		494,540	0	0
Invesco	UNIT SER 1	46090E103	8,379	31,465	SH		SOLE		31,465	0	0
VANGUARD BD INDEX FD INC	LONG TERM BOND	921937793	8,855	122,241	SH		SOLE		122,241	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	269	1,540	SH		SOLE		1,540	0	0
ISHARES	CORE LT USDB ETF	464289479	1,053	20,685	SH		SOLE		20,685	0	0
ISHARES TR	7-10 YR TRSY BD	464287440	18,606	194,262	SH		SOLE		194,262	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	1,104	19,878	SH		SOLE		19,878	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	21,651	117,966	SH		SOLE		117,966	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	337	1,654	SH		SOLE		1,654	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	74,837	213,004	SH		SOLE		213,004	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	979	4,046	SH		SOLE		4,046	0	0
FIRST TR EXCHANGE TRADED FD	NO AMER ENERGY	33738D101	1,024	38,384	SH		SOLE		38,384	0	0
ISHARES TR	RUSSELL 3000 ETF	464287689	591	2,679	SH		SOLE		2,679	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	379	5,013	SH		SOLE		5,013	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	36,552	171,516	SH		SOLE		171,516	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	873	9,223	SH		SOLE		9,223	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	290	7,149	SH		SOLE		7,149	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	417	7,131	SH		SOLE		7,131	0	0
VANGUARD STAR FD	VG TL INTL STK F	921909768	1,259	24,340	SH		SOLE		24,340	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	872	9,967	SH		SOLE		9,967	0	0
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	1,112	6,418	SH		SOLE		6,418	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	6,446	142,764	SH		SOLE		142,764	0	0
DBX ETF TR	XTRACK HRVST CSI	233051879	298	10,642	SH		SOLE		10,642	0	0
SPDR SERIES TRUST	BLOOMBERG 1-3 MO	78468R663	559	6,113	SH		SOLE		6,113	0	0
ISHARES	MSCI GBL ETF NEW	46434G848	224	5,458	SH		SOLE		5,458	0	0
Invesco	GBL LISTED PVT	46137V589	1,055	111,791	SH		SOLE		111,791	0	0
INDEXIQ ETF TR	HEDGE MLTI ETF	45409B107	1,471	51,681	SH		SOLE		51,681	0	0
WISDOMTREE TR	FUTRE STRAT FD	97717W125	2,968	94,099	SH		SOLE		94,099	0	0
ISHARES TR	MSCI EAFE ETF	464287465	238	3,630	SH		SOLE		3,630	0	0
VANGUARD BD INDEX FD INC	INTERMED TERM	921937819	11,455	154,130	SH		SOLE		154,130	0	0
ETFS GOLD TR	PHYSCL GOLD SHS	00326A104	519	29,731	SH		SOLE		29,731	0	0
VANGUARD WHITEHALL FDS INC	HIGH DIV YLD	921946406	1,932	17,852	SH		SOLE		17,852	0	0
ISHARES TR	MSCI AC ASIA ETF	464288182	351	5,413	SH		SOLE		5,413	0	0
VANGUARD BD INDEX FD INC	SHORT TRM BOND	921937827	19,499	259,015	SH		SOLE		259,015	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	5,988	120,186	SH		SOLE		120,186	0	0
ISHARES	MSCI EMERG MRKT	464286533	3,522	66,391	SH		SOLE		66,391	0	0
ISHARES TR	EAFE VALUE ETF	464288877	539	11,739	SH		SOLE		11,739	0	0
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	711	16,165	SH		SOLE		16,165	0	0
ISHARES TR	PFD AND INCM SEC	464288687	882	28,880	SH		SOLE		28,880	0	0
ISHARES TR	MBS ETF	464288588	22,785	245,665	SH		SOLE		245,665	0	0
MARKET VECTORS ETF TR	HIGH YLD MUNIETF	92189H409	676	13,372	SH		SOLE		13,372	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	469	4,335	SH		SOLE		4,335	0	0
ISHARES TR	20 YR TR BD ETF	464287432	2,883	28,954	SH		SOLE		28,954	0	0
VANGUARD BD INDEX FD INC	LONG TERM TREAS	92206C847	1,657	26,886	SH		SOLE		26,886	0	0
SPDR SERIES TRUST	PORTFOLIO LN TSR	78464A664	7,576	260,970	SH		SOLE		260,970	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	442	3,851	SH		SOLE		3,851	0	0
CAMBRIA ETF TR	VALUE MOMENTUM	132061888	3,012	110,689	SH		SOLE		110,689	0	0
CAMBRIA ETF TR	GLOBAL VALUE ETF	132061409	2,687	134,059	SH		SOLE		134,059	0	0
CAMBRIA ETF TR	GLB MOMENT ETF	132061508	13,028	460,039	SH		SOLE		460,039	0	0
CAMBRIA ETF TR	SHSHLD YIELD ETF	132061201	2,211	37,283	SH		SOLE		37,283	0	0
CAMBRIA ETF TR	CAMBRIA FGN SHR	132061300	1,299	53,535	SH		SOLE		53,535	0	0
CAMBRIA ETF TR	EMRG SHAREHLDR	132061706	1,121	39,977	SH		SOLE		39,977	0	0
Invesco	OPTIMUM YIELD	46090F100	488	33,019	SH		SOLE		33,019	0	0
WISDOMTREE TR	WISDOMTREE US VA	97717W547	210	3,678	SH		SOLE		3,678	0	0
VANGUARD BD INDEX FD INC	TAX EXEMPT BD	922907746	762	15,394	SH		SOLE		15,394	0	0
VANECK VECTORS TR	JP MRGAN EM LOC	92189H300	1,177	48,585	SH		SOLE		48,585	0	0
VANGUARD INDEX FDS	500 GRTH IDX F	921932505	4,830	22,896	SH		SOLE		22,896	0	0
VANGUARD INDEX FDS	500 VAL IDX FD	921932703	3,856	27,532	SH		SOLE		27,532	0	0
ISHARES TR	CORE 1 5 YR USD	46432F859	2,038	43,886	SH		SOLE		43,886	0	0
ISHARES TR	INTRM GOV CR ETF	464288612	1,049	10,241	SH		SOLE		10,241	0	0
VANGUARD BD INDEX FD INC	MTG-BKD SECS ETF	92206C771	9,369	205,816	SH		SOLE		205,816	0	0
ISHARES TR	CORE INTL AGGR	46435G672	1,243	26,133	SH		SOLE		26,133	0	0
Goldman Sachs	ACTIVEBETA US LG	381430503	231,496	3,040,801	SH		SOLE		3,040,801	0	0
Goldman Sachs	ACTIVEBETA INT	381430107	116,438	4,045,795	SH		SOLE		4,045,795	0	0
Goldman Sachs	ACTIVEBETA EME	381430206	23,580	832,925	SH		SOLE		832,925	0	0
VANGUARD SCOTTSDALE FDS	LG-TERM COR BD	92206C813	643	8,494	SH		SOLE		8,494	0	0
ISHARES TR	RUS 1000 ETF	464287622	244	1,161	SH		SOLE		1,161	0	0
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	416	4,051	SH		SOLE		4,051	0	0
ISHARES TR	USD INV GRDE ETF	464288620	442	9,003	SH		SOLE		9,003	0	0
SPDR SERIES TRUST	BLOOMBERG HIGH Y	78468R622	378	4,203	SH		SOLE		4,203	0	0
ISHARES TR	10+ YR INVST GRD	464289511	483	9,703	SH		SOLE		9,703	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	436	14,994	SH		SOLE		14,994	0	0
Vanguard	SML CP GRW ETF	922908595	3,140	15,658	SH		SOLE		15,658	0	0
Vanguard	CONSUM STP ETF	92204A207	1,523	7,949	SH		SOLE		7,949	0	0
Vanguard	ALLWRLD EX US	922042775	330	6,586	SH		SOLE		6,586	0	0
Vanguard	MCAP GR IDXVIP	922908538	7,664	42,635	SH		SOLE		42,635	0	0
Vanguard	TT WRLD ST ETF	922042742	683	7,925	SH		SOLE		7,925	0	0
Vanguard	EXTEND MKT ETF	922908652	1,000	7,526	SH		SOLE		7,526	0	0
iShares	RUS 2000 GRW ETF	464287648	401	1,869	SH		SOLE		1,869	0	0
iShares	MSCI USA MIN VOL	46429B697	2,552	35,396	SH		SOLE		35,396	0	0
iShares	0-5 YR TIPS ETF	46429B747	94,842	978,157	SH		SOLE		978,157	0	0
iShares	CORE MSCI TOTAL	46432F834	238	4,108	SH		SOLE		4,108	0	0
iShares	0-5YR HI YL CP	46434V407	7,450	182,192	SH		SOLE		182,192	0	0
Invesco	S&P500 EQL WGT	46137V357	416	2,946	SH		SOLE		2,946	0	0
SPDR	S&P DIVID ETF	78464A763	1,552	12,405	SH		SOLE		12,405	0	0
Vanguard	MEGA GRWTH IND	921910816	365	2,120	SH		SOLE		2,120	0	0
Vanguard	SHRT TRM CORP BD	92206C409	5,043	67,072	SH		SOLE		67,072	0	0
Vanguard	INTER TERM TREAS	92206C706	581	9,929	SH		SOLE		9,929	0	0
Schwab	SCHWAB FDT US SC	808524763	477	10,214	SH		SOLE		10,214	0	0
Schwab	SCHWB FDT EMK LG	808524730	229	9,261	SH		SOLE		9,261	0	0
Goldman Sachs	ACCES TREASURY	381430529	497,633	4,990,807	SH		SOLE		4,990,807	0	0
iShares	RUS MID CAP ETF	464287499	203	3,012	SH		SOLE		3,012	0	0
iShares	FLTG RATE NT ETF	46429B655	8,451	167,909	SH		SOLE		167,909	0	0
iShares	MSCI USA QLT FCT	46432F339	539	4,731	SH		SOLE		4,731	0	0
iShares	US TREAS BD ETF	46429B267	413	18,160	SH		SOLE		18,160	0	0
iShares	MSCI GBL MIN VOL	464286525	3,706	38,997	SH		SOLE		38,997	0	0
WisdomTree	US MIDCAP DIVID	97717W505	499	12,141	SH		SOLE		12,141	0	0
iShares	MSCI USA VALUE	46432F388	362	3,969	SH		SOLE		3,969	0	0
iShares	EAFE GRWTH ETF	464288885	491	5,859	SH		SOLE		5,859	0	0
SPDR State Street Global Advisors	RL EST SEL SEC	81369Y860	219	5,937	SH		SOLE		5,937	0	0
iShares	MSCI USA MMENTM	46432F396	1,802	12,347	SH		SOLE		12,347	0	0
iShares	BLACKROCK ST MAT	46431W507	5,854	118,816	SH		SOLE		118,816	0	0
Vanguard	SHORT TERM TREAS	92206C102	3,226	55,801	SH		SOLE		55,801	0	0
Schwab ETFs	SHT TM US TRES	808524862	276	5,721	SH		SOLE		5,721	0	0
iShares	SHRT NAT MUN ETF	464288158	773	7,412	SH		SOLE		7,412	0	0
iShares	CORE DIV GRWTH	46434V621	264	5,277	SH		SOLE		5,277	0	0
Van Eck	OIL SERVICES ETF	92189H607	517	1,699	SH		SOLE		1,699	0	0
WisdomTree	INTL SMCAP DIV	97717W760	718	12,384	SH		SOLE		12,384	0	0
Invesco	FTSE RAFI DEV	46138E743	313	7,526	SH		SOLE		7,526	0	0
SPDR State Street Global Advisors	S&P 600 SMCP VAL	78464A300	7,768	104,662	SH		SOLE		104,662	0	0
Vanguard	MIDCP 400 GRTH	921932869	899	5,310	SH		SOLE		5,310	0	0
iShares	CORE TOTAL USD	46434V613	1,541	34,305	SH		SOLE		34,305	0	0
iShares	RUS TP200 GR ETF	464289438	210	1,742	SH		SOLE		1,742	0	0
SPDR State Street Global Advisors	PORTFOLIO DEVLPD	78463X889	1,572	52,941	SH		SOLE		52,941	0	0
iShares	MSCI KLD400 SOC	464288570	43,217	601,998	SH		SOLE		601,998	0	0
SPDR State Street Global Advisors	PRTFLO S&P500 GW	78464A409	664	13,095	SH		SOLE		13,095	0	0
Van Eck	FALLEN ANGEL HG	92189F437	1,795	66,427	SH		SOLE		66,427	0	0
iShares	MSCI USA ESG SLC	464288802	19,812	240,670	SH		SOLE		240,670	0	0
WisdomTree	US SMALLCAP FUND	97717W562	327	7,686	SH		SOLE		7,686	0	0
iShares	MSCI LW CRB TG	46434V464	166,224	1,203,304	SH		SOLE		1,203,304	0	0
SPDR State Street Global Advisors	PRTFLO S&P500 VL	78464A508	84,499	2,172,772	SH		SOLE		2,172,772	0	0
SPDR State Street Global Advisors	PORTFOLIO EMG MK	78463X509	23,852	723,659	SH		SOLE		723,659	0	0
Vanguard	INTL HIGH ETF	921946794	429	7,203	SH		SOLE		7,203	0	0
SPDR State Street Global Advisors	SPDR MSCI USA GE	78468R747	2,796	35,492	SH		SOLE		35,492	0	0
Vanguard	INTL DVD ETF	921946810	4,543	65,249	SH		SOLE		65,249	0	0
iShares	JP MRGN EM HI BD	464286285	3,674	105,045	SH		SOLE		105,045	0	0
WisdomTree	EM LCL DEBT FD	97717X867	205	7,954	SH		SOLE		7,954	0	0
John Hancock	MULTIFACTOR MI	47804J206	476	10,221	SH		SOLE		10,221	0	0
SPDR State Street Global Advisors	PORTFOLIO SH TSR	78468R101	211	7,314	SH		SOLE		7,314	0	0
PIMCO	15+ YR US TIPS	72201R304	5,908	101,442	SH		SOLE		101,442	0	0
SPDR State Street Global Advisors	PORTFOLIO S&P500	78464A854	1,126	25,028	SH		SOLE		25,028	0	0
WisdomTree	US LARGECAP FUND	97717W588	1,212	29,156	SH		SOLE		29,156	0	0
SPDR State Street Global Advisors	SPDR S&P 500 ETF	78468R796	63,924	684,779	SH		SOLE		684,779	0	0
WisdomTree	YIELD ENHANCD US	97717X511	808	18,952	SH		SOLE		18,952	0	0
First Trust	RISNG DIVD ACHIV	33738R506	861	19,603	SH		SOLE		19,603	0	0
iShares	ESG AW MSCI EAFE	46435G516	233,239	3,547,907	SH		SOLE		3,547,907	0	0
iShares	CRE U S REIT ETF	464288521	205	4,153	SH		SOLE		4,153	0	0
First Trust Exchange-Traded Fund VIII	TCW OPPORTUNIS	33740F805	2,048	46,630	SH		SOLE		46,630	0	0
EA Series Trust	US QUAN VALUE	02072L102	511	15,887	SH		SOLE		15,887	0	0
EA Series Trust	INTL QUAN VALUE	02072L201	273	12,456	SH		SOLE		12,456	0	0
iShares	ESG AWR MSCI EM	46434G863	71,227	2,368,711	SH		SOLE		2,368,711	0	0
SPDR State Street Global Advisors	MSCI EAFE FS ETF	78470E106	38,557	566,853	SH		SOLE		566,853	0	0
iShares	CORE MSCI INTL	46435G326	5,355	95,659	SH		SOLE		95,659	0	0
EA Series Trust	INTL QUAN MOMNTM	02072L300	242	9,733	SH		SOLE		9,733	0	0
iShares	MSCI INTL QUALTY	46434V456	681	21,021	SH		SOLE		21,021	0	0
iShares	MSCI INTL MOMENT	46434V449	900	29,185	SH		SOLE		29,185	0	0
Ark ETF Trust	NEXT GNRTN INTER	00214Q401	681	17,677	SH		SOLE		17,677	0	0
Ark ETF Trust	INNOVATION ETF	00214Q104	642	20,547	SH		SOLE		20,547	0	0
ProShares	PRIV EQTY-LSTD	74348A533	263	10,066	SH		SOLE		10,066	0	0
iShares	FALN ANGLS USD	46435G474	5,612	228,046	SH		SOLE		228,046	0	0
Pacer	US CASH COWS 100	69374H881	342	7,394	SH		SOLE		7,394	0	0
SPDR State Street Global Advisors	SPDR S&P1500VL	78464A128	272	1,944	SH		SOLE		1,944	0	0
iShares	ESG AWR MSCI USA	46435G425	210,254	2,480,876	SH		SOLE		2,480,876	0	0
SPDR State Street Global Advisors	MSCI EMR MKT ETF	78470E205	22,665	394,938	SH		SOLE		394,938	0	0
WisdomTree	EM EX ST-OWNED	97717X578	3,262	122,280	SH		SOLE		122,280	0	0
Goldman Sachs	ACTIVEBETA US	381430602	28,497	521,833	SH		SOLE		521,833	0	0
Goldman Sachs	ACCESS INVT GR	381430479	10,839	245,179	SH		SOLE		245,179	0	0
XTRACKERS	XTRACK USD HIGH	233051432	5,124	152,006	SH		SOLE		152,006	0	0
ISHARES	BROAD USD HIGH	46435U853	3,012	87,226	SH		SOLE		87,226	0	0
GraniteShares	BBG COMMD K 1	38747R108	7,761	345,077	SH		SOLE		345,077	0	0
SPDR State Street Global Advisors	SPDR GLD MINIS	98149E303	1,862	51,446	SH		SOLE		51,446	0	0
JP Morgan	ULTRA SHRT INC	46641Q837	195,464	3,899,140	SH		SOLE		3,899,140	0	0
Goldman Sachs	ACCESS INFLATI	381430362	3,960	81,743	SH		SOLE		81,743	0	0
iShares	ESG AWR US AGRGT	46435U549	13,314	284,842	SH		SOLE		284,842	0	0
AVANTIS INTL	INTL SMCP VLU	025072802	603	10,890	SH		SOLE		10,890	0	0
Avantis	US SML CP VALU	025072877	1,142	15,327	SH		SOLE		15,327	0	0
Goldman Sachs	ACCESS US AGRAT	38149W101	23,239	565,558	SH		SOLE		565,558	0	0
Impact Shares	NAACP MINO ETF	45259A209	2,637	99,286	SH		SOLE		99,286	0	0
iShares	USD GRN BOND ETF	46435U440	40,331	877,329	SH		SOLE		877,329	0	0
Dimensional Fund Advisors	INTL CORE EQT MK	25434V203	5,915	236,207	SH		SOLE		236,207	0	0
Dimensional Fund Advisors	EMGR CRE EQT MNG	25434V302	2,853	129,962	SH		SOLE		129,962	0	0
Dimensional Fund Advisors	US CORE EQT MKT	25434V104	10,543	390,191	SH		SOLE		390,191	0	0
Cambria Funds	GBL REAL EST ETF	132061813	1,042	39,769	SH		SOLE		39,769	0	0
Dynamic Beta Investments	IMGP DBI MANAGED	53700T827	288	9,889	SH		SOLE		9,889	0	0
ISHARES	ESG AWRE USD ETF	46435G193	9,975	447,310	SH		SOLE		447,310	0	0
iShares	ESG ADV TTL USD	46436E619	1,980	46,916	SH		SOLE		46,916	0	0
iShares	ESG AWRE 1 5 YR	46435G243	2,246	94,484	SH		SOLE		94,484	0	0
iShares	ESG EAFE ETF	46436E759	404	7,446	SH		SOLE		7,446	0	0
Vanguard	ESG INTL STK ETF	921910725	9,389	190,877	SH		SOLE		190,877	0	0
iShares	ESG MSCI USA ETF	46436E767	374	12,184	SH		SOLE		12,184	0	0
BlackRock Fund Advisors	ESG AWARE MSCI	46435U663	10,197	310,133	SH		SOLE		310,133	0	0
VANGUARD	ESG US STK ETF	921910733	30,091	456,886	SH		SOLE		456,886	0	0
Invesco	NASDAQ 100 ETF	46138G649	448	4,086	SH		SOLE		4,086	0	0
State Street Global Advisors Inc	S&P KENSHO NEW	78468R648	38,337	972,518	SH		SOLE		972,518	0	0
Dimensional	US SMALL CAP ETF	25434V500	400	7,825	SH		SOLE		7,825	0	0
Dimensional	US TARGETED VLU	25434V609	526	11,966	SH		SOLE		11,966	0	0
Dimensional	US EQUITY ETF	25434V401	916	22,007	SH		SOLE		22,007	0	0
Dimensional	US CORE EQUITY 2	25434V708	16,594	683,430	SH		SOLE		683,430	0	0
Invesco Capital Management LLC	RUSL 1000 DYNM	46138J619	305	7,098	SH		SOLE		7,098	0	0
AMERICAN CENTY ETF TR	US EQT ETF	025072885	839	12,338	SH		SOLE		12,338	0	0
1 GRANITESHARES GOLD TR	SHS BEN INT	38748G101	191	10,586	SH		SOLE		10,586	0	0
iShares	0-3 MNTH TREASRY	46436E718	367	3,661	SH		SOLE		3,661	0	0
Vanguard	VANGUARD ULTRA	92203C303	1,649	33,645	SH		SOLE		33,645	0	0
Innovator Capital Management LLC	US EQTY PWR BUF	45782C797	418	13,906	SH		SOLE		13,906	0	0
Simplify Asset Management Inc	US EQT PLS CNVEX	82889N103	254	10,017	SH		SOLE		10,017	0	0
Innovator Capital Management LLC	US EQTY BUF OCT	45782C771	293	9,236	SH		SOLE		9,236	0	0
Innovator Capital Management LLC	US EQTY PWR BUF	45782C813	216	7,171	SH		SOLE		7,171	0	0
Innovator Capital Management LLC	US EQTY ULTRA B	45782C821	636	23,302	SH		SOLE		23,302	0	0
Engine No 1	TRANSFRM 500 ETF	29287L106	39,757	899,069	SH		SOLE		899,069	0	0
Dimensional Fund Advisors LP	INTERNATNAL VAL	25434V807	222	7,288	SH		SOLE		7,288	0	0
Dimensional Fund Advisors LP	WORLD EX US CORE	25434V880	5,921	274,129	SH		SOLE		274,129	0	0
Exchange Traded Concepts LLC	BITWISE CRYPTO	301505624	443	130,772	SH		SOLE		130,772	0	0
Simplify Asset Management Inc	US EQT PLS UPSID	82889N301	434	16,533	SH		SOLE		16,533	0	0
Proshare Capital Management LLC	BITCOIN STRATE	74347G440	188	18,007	SH		SOLE		18,007	0	0
Dimensional Fund Advisors LP	CORE FIXED INCOM	25434V872	1,741	41,920	SH		SOLE		41,920	0	0
Dimensional Fund Advisors LP	SHORT DURATION F	25434V864	411	8,927	SH		SOLE		8,927	0	0
Innovator Capital Management LLC	US EQTY ULTRA BU	45782C565	253	9,132	SH		SOLE		9,132	0	0
Dimensional Fund Advisors LP	US REAL ESTATE E	25434V823	366	17,328	SH		SOLE		17,328	0	0
Dimensional Fund Advisors LP	INTL CORE EQUITY	25434V799	832	37,225	SH		SOLE		37,225	0	0
Dimensional Fund Advisors LP	EMERGING MKTS CO	25434V732	366	16,303	SH		SOLE		16,303	0	0
Goldman Sachs Asset Management LP	ACCESS EMNG MKTS	381430388	7,075	177,320	SH		SOLE		177,320	0	0
Dimensional Fund Advisors LP	US SMALL CAP VAL	25434V815	230	9,276	SH		SOLE		9,276	0	0