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	2,102	19,532	SH		SOLE		19,532	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	6,511,746	29,561,221	SH		SOLE		29,561,221	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	78,174	484,980	SH		SOLE		484,980	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	345	2,188	SH		SOLE		2,188	0	0
ISHARES TR	RUS MDCP VAL ETF	464287473	239,556	2,180,954	SH		SOLE		2,180,954	0	0
ISHARES TR	RUS 2000 VAL ETF	464287630	150,915	1,071,841	SH		SOLE		1,071,841	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	1,273	15,699	SH		SOLE		15,699	0	0
VANGUARD TAX MANAGED INTL FD	VAN FTSE DEV MKT	921943858	4,862,204	105,288,084	SH		SOLE		105,288,084	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	3,054,880	75,095,389	SH		SOLE		75,095,389	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,179	2,660	SH		SOLE		2,660	0	0
ISHARES TR	SHORT TREAS BD	464288679	303,198	2,745,119	SH		SOLE		2,745,119	0	0
VANGUARD BD INDEX FD INC	TOTAL BND MRKT	921937835	106,747	1,468,530	SH		SOLE		1,468,530	0	0
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	232	2,323	SH		SOLE		2,323	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	2,985	35,722	SH		SOLE		35,722	0	0
ISHARES TR	CORE US AGGBD ET	464287226	854,512	8,723,957	SH		SOLE		8,723,957	0	0
VANGUARD WHITEHALL FDS INC	EM MK GOV BD ETF	921946885	129,446	2,078,791	SH		SOLE		2,078,791	0	0
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	1,781,111	36,438,445	SH		SOLE		36,438,445	0	0
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	298,832	6,301,814	SH		SOLE		6,301,814	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	14,048	129,902	SH		SOLE		129,902	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	1,050,750	9,844,940	SH		SOLE		9,844,940	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	5,468	96,019	SH		SOLE		96,019	0	0
ISHARES TR	NEW YORK MUN ETF	464288323	5,811	109,115	SH		SOLE		109,115	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	325	7,044	SH		SOLE		7,044	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	2,848	36,036	SH		SOLE		36,036	0	0
SPDR SERIES TRUST	PORTFOLIO INTRMD	78464A375	416	12,949	SH		SOLE		12,949	0	0
SPDR SERIES TRUST	NUVEEN BLMBRG MU	78468R721	270,600	5,862,218	SH		SOLE		5,862,218	0	0
ISHARES TR	JPMORGAN USD EMG	464288281	865,977	10,006,672	SH		SOLE		10,006,672	0	0
Invesco	EMRNG MKT SVRG	46138E784	5,386	276,372	SH		SOLE		276,372	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	356,672	6,898,880	SH		SOLE		6,898,880	0	0
ISHARES TR	CORE S&P TTL STK	464287150	1,311,301	13,402,504	SH		SOLE		13,402,504	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	1,774,903	12,490,519	SH		SOLE		12,490,519	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	129,067	1,923,785	SH		SOLE		1,923,785	0	0
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	1,448,129	10,464,869	SH		SOLE		10,464,869	0	0
ISHARES TR	S&P MC 400VL ETF	464287705	6,953	64,904	SH		SOLE		64,904	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,309,873	7,919,423	SH		SOLE		7,919,423	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	538,433	15,103,300	SH		SOLE		15,103,300	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	819,923	12,147,009	SH		SOLE		12,147,009	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	2,461	99,919	SH		SOLE		99,919	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	497,177	10,086,772	SH		SOLE		10,086,772	0	0
VANGUARD SPECIALIZED PORTFOL	DIV APP ETF	921908844	2,003	12,332	SH		SOLE		12,332	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	1,295	24,693	SH		SOLE		24,693	0	0
VANGUARD INTL EQUITY INDEX F	GLB EX US ETF	922042676	3,794	94,413	SH		SOLE		94,413	0	0
ISHARES TR	CORE S&P500 ETF	464287200	4,940	11,084	SH		SOLE		11,084	0	0
SCHWAB STRATEGIC TR	US REIT ETF	808524847	9,263	474,303	SH		SOLE		474,303	0	0
Invesco	UNIT SER 1	46090E103	12,377	33,505	SH		SOLE		33,505	0	0
VANGUARD BD INDEX FD INC	LONG TERM BOND	921937793	10,072	134,435	SH		SOLE		134,435	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	286	1,527	SH		SOLE		1,527	0	0
ISHARES	CORE LT USDB ETF	464289479	1,215	23,097	SH		SOLE		23,097	0	0
ISHARES TR	7-10 YR TRSY BD	464287440	11,219	116,135	SH		SOLE		116,135	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	1,368	18,249	SH		SOLE		18,249	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	25,774	129,590	SH		SOLE		129,590	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	504	2,288	SH		SOLE		2,288	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	99,730	244,868	SH		SOLE		244,868	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	1,205	4,607	SH		SOLE		4,607	0	0
FIRST TR EXCHANGE TRADED FD	NO AMER ENERGY	33738D101	1,107	41,016	SH		SOLE		41,016	0	0
ISHARES TR	RUSSELL 3000 ETF	464287689	655	2,572	SH		SOLE		2,572	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,459	20,095	SH		SOLE		20,095	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	51,795	183,048	SH		SOLE		183,048	0	0
ISHARES TR	CORE S&P US GWT	464287671	353	3,614	SH		SOLE		3,614	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	1,206	12,100	SH		SOLE		12,100	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	344	7,843	SH		SOLE		7,843	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	505	7,171	SH		SOLE		7,171	0	0
VANGUARD STAR FD	VG TL INTL STK F	921909768	1,463	26,091	SH		SOLE		26,091	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	871	10,732	SH		SOLE		10,732	0	0
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	1,260	13,709	SH		SOLE		13,709	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	7,914	151,122	SH		SOLE		151,122	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	282	3,966	SH		SOLE		3,966	0	0
DBX ETF TR	XTRACK HRVST CSI	233051879	319	11,918	SH		SOLE		11,918	0	0
SPDR SERIES TRUST	BLOOMBERG 1-3 MO	78468R663	985	10,731	SH		SOLE		10,731	0	0
ISHARES GOLD TRUST	ISHARES NEW	464285204	275	7,553	SH		SOLE		7,553	0	0
SPDR GOLD TRUST	GOLD SHS	78463V107	828	4,647	SH		SOLE		4,647	0	0
ISHARES	MSCI GBL ETF NEW	46434G848	256	6,328	SH		SOLE		6,328	0	0
Invesco	GBL LISTED PVT	46137V589	1,243	118,151	SH		SOLE		118,151	0	0
INDEXIQ ETF TR	HEDGE MLTI ETF	45409B107	1,732	58,073	SH		SOLE		58,073	0	0
WISDOMTREE TR	FUTRE STRAT FD	97717W125	3,305	94,445	SH		SOLE		94,445	0	0
ISHARES TR	MSCI EAFE ETF	464287465	580	7,995	SH		SOLE		7,995	0	0
VANGUARD BD INDEX FD INC	INTERMED TERM	921937819	12,804	170,196	SH		SOLE		170,196	0	0
ETFS GOLD TR	PHYSCL GOLD SHS	00326A104	510	27,787	SH		SOLE		27,787	0	0
VANGUARD WHITEHALL FDS INC	HIGH DIV YLD	921946406	2,104	19,838	SH		SOLE		19,838	0	0
ISHARES TR	MSCI AC ASIA ETF	464288182	401	6,028	SH		SOLE		6,028	0	0
PIMCO ETF TR	ACTIVE BD ETF	72201R775	464	5,069	SH		SOLE		5,069	0	0
VANGUARD BD INDEX FD INC	SHORT TRM BOND	921937827	22,228	294,140	SH		SOLE		294,140	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	5,211	103,873	SH		SOLE		103,873	0	0
ISHARES TR	EAFE VALUE ETF	464288877	334	6,832	SH		SOLE		6,832	0	0
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	814	17,500	SH		SOLE		17,500	0	0
ISHARES TR	PFD AND INCM SEC	464288687	1,005	32,495	SH		SOLE		32,495	0	0
ISHARES TR	MBS ETF	464288588	18,699	200,487	SH		SOLE		200,487	0	0
MARKET VECTORS ETF TR	HIGH YLD MUNIETF	92189H409	690	13,446	SH		SOLE		13,446	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	484	4,370	SH		SOLE		4,370	0	0
ISHARES TR	20 YR TR BD ETF	464287432	2,649	25,731	SH		SOLE		25,731	0	0
VANGUARD BD INDEX FD INC	LONG TERM TREAS	92206C847	3,190	50,208	SH		SOLE		50,208	0	0
SPDR SERIES TRUST	PORTFOLIO LN TSR	78464A664	244	8,171	SH		SOLE		8,171	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	1,029	8,924	SH		SOLE		8,924	0	0
CAMBRIA ETF TR	VALUE MOMENTUM	132061888	2,666	103,585	SH		SOLE		103,585	0	0
CAMBRIA ETF TR	GLOBAL VALUE ETF	132061409	2,398	119,206	SH		SOLE		119,206	0	0
CAMBRIA ETF TR	GLB MOMENT ETF	132061508	11,843	427,855	SH		SOLE		427,855	0	0
CAMBRIA ETF TR	SHSHLD YIELD ETF	132061201	2,096	34,267	SH		SOLE		34,267	0	0
CAMBRIA ETF TR	CAMBRIA FGN SHR	132061300	1,069	44,524	SH		SOLE		44,524	0	0
CAMBRIA ETF TR	EMRG SHAREHLDR	132061706	1,014	36,421	SH		SOLE		36,421	0	0
Invesco	OPTIMUM YIELD	46090F100	447	32,828	SH		SOLE		32,828	0	0
WISDOMTREE TR	WISDOMTREE US VA	97717W547	256	4,095	SH		SOLE		4,095	0	0
VANGUARD BD INDEX FD INC	TAX EXEMPT BD	922907746	1,340	26,684	SH		SOLE		26,684	0	0
VANECK VECTORS TR	JP MRGAN EM LOC	92189H300	1,141	44,649	SH		SOLE		44,649	0	0
VANGUARD INDEX FDS	500 GRTH IDX F	921932505	5,512	21,694	SH		SOLE		21,694	0	0
VANGUARD INDEX FDS	500 VAL IDX FD	921932703	5,762	37,007	SH		SOLE		37,007	0	0
ISHARES TR	CORE 1 5 YR USD	46432F859	2,027	43,462	SH		SOLE		43,462	0	0
ISHARES TR	INTRM GOV CR ETF	464288612	1,099	10,679	SH		SOLE		10,679	0	0
VANGUARD BD INDEX FD INC	MTG-BKD SECS ETF	92206C771	10,077	219,119	SH		SOLE		219,119	0	0
ISHARES TR	CORE INTL AGGR	46435G672	1,132	22,960	SH		SOLE		22,960	0	0
Goldman Sachs	ACTIVEBETA US LG	381430503	287,295	3,290,890	SH		SOLE		3,290,890	0	0
Goldman Sachs	ACTIVEBETA INT	381430107	142,382	4,541,705	SH		SOLE		4,541,705	0	0
Goldman Sachs	ACTIVEBETA EME	381430206	37,660	1,259,545	SH		SOLE		1,259,545	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	220	2,925	SH		SOLE		2,925	0	0
VANGUARD SCOTTSDALE FDS	LG-TERM COR BD	92206C813	384	4,892	SH		SOLE		4,892	0	0
ISHARES TR	RUS 1000 ETF	464287622	209	857	SH		SOLE		857	0	0
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	517	4,680	SH		SOLE		4,680	0	0
ISHARES TR	USD INV GRDE ETF	464288620	425	8,482	SH		SOLE		8,482	0	0
SPDR SERIES TRUST	BLOOMBERG HIGH Y	78468R622	408	4,429	SH		SOLE		4,429	0	0
ISHARES TR	10+ YR INVST GRD	464289511	312	6,046	SH		SOLE		6,046	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	754	23,337	SH		SOLE		23,337	0	0
Vanguard	SML CP GRW ETF	922908595	3,752	16,332	SH		SOLE		16,332	0	0
Vanguard	CONSUM STP ETF	92204A207	1,003	5,159	SH		SOLE		5,159	0	0
Vanguard	ALLWRLD EX US	922042775	742	13,629	SH		SOLE		13,629	0	0
Vanguard	HEALTH CAR ETF	92204A504	202	825	SH		SOLE		825	0	0
Vanguard	VNG RUS1000IDX	92206C730	377	1,869	SH		SOLE		1,869	0	0
Vanguard	MCAP GR IDXVIP	922908538	9,324	45,312	SH		SOLE		45,312	0	0
Vanguard	TT WRLD ST ETF	922042742	739	7,624	SH		SOLE		7,624	0	0
Vanguard	EXTEND MKT ETF	922908652	905	6,081	SH		SOLE		6,081	0	0
iShares	RUS 1000 GRW ETF	464287614	429	1,560	SH		SOLE		1,560	0	0
iShares	RUS 2000 GRW ETF	464287648	619	2,550	SH		SOLE		2,550	0	0
iShares	MSCI USA MIN VOL	46429B697	680	9,150	SH		SOLE		9,150	0	0
iShares	0-5 YR TIPS ETF	46429B747	208,419	2,135,441	SH		SOLE		2,135,441	0	0
iShares	CORE MSCI TOTAL	46432F834	1,229	19,624	SH		SOLE		19,624	0	0
iShares	0-5YR HI YL CP	46434V407	6,364	153,528	SH		SOLE		153,528	0	0
Invesco	S&P500 EQL WGT	46137V357	505	3,372	SH		SOLE		3,372	0	0
Vanguard	MEGA GRWTH IND	921910816	645	2,740	SH		SOLE		2,740	0	0
Vanguard	SHRT TRM CORP BD	92206C409	2,548	33,677	SH		SOLE		33,677	0	0
Vanguard	INTER TERM TREAS	92206C706	545	9,285	SH		SOLE		9,285	0	0
Schwab	SCHWAB FDT US SC	808524763	3,253	64,488	SH		SOLE		64,488	0	0
Schwab	SCHWB FDT EMK LG	808524730	447	16,713	SH		SOLE		16,713	0	0
Goldman Sachs	ACCES TREASURY	381430529	512,849	5,124,901	SH		SOLE		5,124,901	0	0
iShares	RUS MID CAP ETF	464287499	227	3,109	SH		SOLE		3,109	0	0
SPDR State Street Global Advisors	SBI INT-UTILS	81369Y886	236	3,601	SH		SOLE		3,601	0	0
iShares	FLTG RATE NT ETF	46429B655	14,634	287,949	SH		SOLE		287,949	0	0
iShares	S&P 100 ETF	464287101	202	974	SH		SOLE		974	0	0
Flexshares Trust	MORNSTAR UPSTR	33939L407	274	6,844	SH		SOLE		6,844	0	0
iShares	MSCI USA QLT FCT	46432F339	1,692	12,545	SH		SOLE		12,545	0	0
iShares	US TREAS BD ETF	46429B267	465	20,289	SH		SOLE		20,289	0	0
iShares	U.S. TECH ETF	464287721	307	2,821	SH		SOLE		2,821	0	0
SPDR State Street Global Advisors	PORTFOLIO SHORT	78464A474	283	9,606	SH		SOLE		9,606	0	0
WisdomTree	US MIDCAP DIVID	97717W505	530	12,611	SH		SOLE		12,611	0	0
iShares	MSCI USA VALUE	46432F388	410	4,367	SH		SOLE		4,367	0	0
iShares	EAFE GRWTH ETF	464288885	406	4,258	SH		SOLE		4,258	0	0
SPDR State Street Global Advisors	RL EST SEL SEC	81369Y860	220	5,825	SH		SOLE		5,825	0	0
iShares	MSCI USA MMENTM	46432F396	2,621	18,171	SH		SOLE		18,171	0	0
iShares	BLACKROCK ST MAT	46431W507	4,114	82,746	SH		SOLE		82,746	0	0
Vanguard	SHORT TERM TREAS	92206C102	2,415	41,837	SH		SOLE		41,837	0	0
Vanguard	MEGA CAP VAL ETF	921910840	226	2,181	SH		SOLE		2,181	0	0
Schwab ETFs	SHT TM US TRES	808524862	279	5,811	SH		SOLE		5,811	0	0
iShares	SHRT NAT MUN ETF	464288158	382	3,671	SH		SOLE		3,671	0	0
iShares	CORE S&P US VLU	464287663	233	2,980	SH		SOLE		2,980	0	0
iShares	CORE DIV GRWTH	46434V621	419	8,135	SH		SOLE		8,135	0	0
Van Eck	OIL SERVICES ETF	92189H607	519	1,803	SH		SOLE		1,803	0	0
WisdomTree	INTL SMCAP DIV	97717W760	688	11,564	SH		SOLE		11,564	0	0
Invesco	FTSE RAFI DEV	46138E743	353	7,843	SH		SOLE		7,843	0	0
SPDR State Street Global Advisors	S&P 600 SMCP VAL	78464A300	11,359	147,152	SH		SOLE		147,152	0	0
Vanguard	MIDCP 400 GRTH	921932869	872	9,323	SH		SOLE		9,323	0	0
iShares	CORE TOTAL USD	46434V613	562	12,370	SH		SOLE		12,370	0	0
Schwab ETFs	INT-TRM U.S TRES	808524854	288	5,851	SH		SOLE		5,851	0	0
Invesco	S&P 500 HB ETF	46138E370	281	3,676	SH		SOLE		3,676	0	0
iShares	RUS TP200 GR ETF	464289438	339	2,135	SH		SOLE		2,135	0	0
SPDR State Street Global Advisors	PORTFOLIO DEVLPD	78463X889	1,976	60,734	SH		SOLE		60,734	0	0
iShares	MSCI KLD400 SOC	464288570	45,469	540,204	SH		SOLE		540,204	0	0
SPDR State Street Global Advisors	PRTFLO S&P500 GW	78464A409	897	14,698	SH		SOLE		14,698	0	0
Van Eck	FALLEN ANGEL HG	92189F437	2,085	75,088	SH		SOLE		75,088	0	0
SPDR State Street Global Advisors	NUVEEN BLOOMBERG	78464A284	398	15,927	SH		SOLE		15,927	0	0
iShares	MSCI USA ESG SLC	464288802	20,836	222,517	SH		SOLE		222,517	0	0
WisdomTree	US SMALLCAP FUND	97717W562	343	7,650	SH		SOLE		7,650	0	0
iShares	MSCI LW CRB TG	46434V464	191,052	1,221,639	SH		SOLE		1,221,639	0	0
iShares	GLOBAL REIT ETF	46434V647	210	9,148	SH		SOLE		9,148	0	0
SPDR State Street Global Advisors	PRTFLO S&P500 VL	78464A508	118,748	2,748,797	SH		SOLE		2,748,797	0	0
SPDR State Street Global Advisors	PORTFOLIO EMG MK	78463X509	24,914	724,663	SH		SOLE		724,663	0	0
Vanguard	INTL HIGH ETF	921946794	579	9,155	SH		SOLE		9,155	0	0
SPDR State Street Global Advisors	SPDR MSCI USA GE	78468R747	3,129	35,542	SH		SOLE		35,542	0	0
Vanguard	INTL DVD ETF	921946810	5,230	69,647	SH		SOLE		69,647	0	0
iShares	JP MRGN EM HI BD	464286285	3,079	87,641	SH		SOLE		87,641	0	0
John Hancock	MULTIFACTOR MI	47804J206	580	11,681	SH		SOLE		11,681	0	0
SPDR State Street Global Advisors	PORTFOLIO S&P500	78464A854	1,364	26,172	SH		SOLE		26,172	0	0
WisdomTree	US LARGECAP FUND	97717W588	1,289	27,603	SH		SOLE		27,603	0	0
SPDR State Street Global Advisors	SPDR S&P 500 ETF	78468R796	75,346	2,083,101	SH		SOLE		2,083,101	0	0
Legg Mason	FRANKLIN US LOW	52468L406	395	10,764	SH		SOLE		10,764	0	0
WisdomTree	YIELD ENHANCD US	97717X511	769	17,846	SH		SOLE		17,846	0	0
iShares	BLACKROCK ULTRA	46434V878	203	4,029	SH		SOLE		4,029	0	0
First Trust	RISNG DIVD ACHIV	33738R506	866	18,397	SH		SOLE		18,397	0	0
SPDR State Street Global Advisors	MSCI EAFE STRTGC	78463X434	367	5,246	SH		SOLE		5,246	0	0
iShares	ESG AW MSCI EAFE	46435G516	265,539	3,641,006	SH		SOLE		3,641,006	0	0
iShares	CRE U S REIT ETF	464288521	348	6,768	SH		SOLE		6,768	0	0
First Trust Exchange-Traded Fund VIII	TCW OPPORTUNIS	33740F805	2,310	52,309	SH		SOLE		52,309	0	0
EA Series Trust	US QUAN VALUE	02072L102	503	14,525	SH		SOLE		14,525	0	0
EA Series Trust	INTL QUAN VALUE	02072L201	387	16,261	SH		SOLE		16,261	0	0
iShares	ESG AWR MSCI EM	46434G863	80,880	2,557,055	SH		SOLE		2,557,055	0	0
SPDR State Street Global Advisors	MSCI EAFE FS ETF	78470E106	43,486	1,155,016	SH		SOLE		1,155,016	0	0
EA Series Trust	INTL QUAN MOMNTM	02072L300	354	13,733	SH		SOLE		13,733	0	0
iShares	MSCI INTL QUALTY	46434V456	1,089	30,597	SH		SOLE		30,597	0	0
iShares	MSCI INTL MOMENT	46434V449	1,301	39,184	SH		SOLE		39,184	0	0
Ark ETF Trust	NEXT GNRTN INTER	00214Q401	1,229	20,973	SH		SOLE		20,973	0	0
Ark ETF Trust	INNOVATION ETF	00214Q104	1,022	23,163	SH		SOLE		23,163	0	0
ProShares	PRIV EQTY-LSTD	74348A533	262	9,470	SH		SOLE		9,470	0	0
iShares	FALN ANGLS USD	46435G474	7,070	278,691	SH		SOLE		278,691	0	0
Pacer	US CASH COWS 100	69374H881	629	13,135	SH		SOLE		13,135	0	0
iShares	ESG AWR MSCI USA	46435G425	250,651	2,571,830	SH		SOLE		2,571,830	0	0
SPDR State Street Global Advisors	MSCI EMR MKT ETF	78470E205	25,620	845,555	SH		SOLE		845,555	0	0
Invesco	S&P INTL MOMNT	46138E222	278	8,431	SH		SOLE		8,431	0	0
WisdomTree	EM EX ST-OWNED	97717X578	3,861	138,128	SH		SOLE		138,128	0	0
Invesco	S&P 500 MOMNTM	46138E339	264	4,724	SH		SOLE		4,724	0	0
Goldman Sachs	ACTIVEBETA US	381430602	35,109	608,055	SH		SOLE		608,055	0	0
Goldman Sachs	ACCESS INVT GR	381430479	18,590	410,732	SH		SOLE		410,732	0	0
XTRACKERS	XTRACK USD HIGH	233051432	5,863	169,937	SH		SOLE		169,937	0	0
ISHARES	BROAD USD HIGH	46435U853	2,667	75,549	SH		SOLE		75,549	0	0
GraniteShares	BBG COMMD K 1	38747R108	8,420	407,769	SH		SOLE		407,769	0	0
SPDR State Street Global Advisors	SPDR GLD MINIS	98149E303	445	11,677	SH		SOLE		11,677	0	0
JP Morgan	ULTRA SHRT INC	46641Q837	184,485	3,679,388	SH		SOLE		3,679,388	0	0
Goldman Sachs	ACCESS INFLATI	381430362	4,463	90,904	SH		SOLE		90,904	0	0
iShares	ESG AWR US AGRGT	46435U549	17,788	377,108	SH		SOLE		377,108	0	0
AVANTIS INTL	INTL SMCP VLU	025072802	862	14,979	SH		SOLE		14,979	0	0
Avantis	US SML CP VALU	025072877	1,907	24,573	SH		SOLE		24,573	0	0
Goldman Sachs	ACCESS US AGRAT	38149W101	27,591	663,726	SH		SOLE		663,726	0	0
Impact Shares	NAACP MINO ETF	45259A209	3,150	99,534	SH		SOLE		99,534	0	0
iShares	USD GRN BOND ETF	46435U440	43,894	943,138	SH		SOLE		943,138	0	0
Dimensional Fund Advisors	INTL CORE EQT MK	25434V203	10,884	398,385	SH		SOLE		398,385	0	0
Dimensional Fund Advisors	EMGR CRE EQT MNG	25434V302	4,084	174,076	SH		SOLE		174,076	0	0
Dimensional Fund Advisors	US CORE EQT MKT	25434V104	24,934	804,568	SH		SOLE		804,568	0	0
Cambria Funds	GBL REAL EST ETF	132061813	828	34,571	SH		SOLE		34,571	0	0
ISHARES	ESG AWRE USD ETF	46435G193	13,235	582,014	SH		SOLE		582,014	0	0
iShares	ESG ADV TTL USD	46436E619	1,764	41,419	SH		SOLE		41,419	0	0
iShares	ESG AWRE 1 5 YR	46435G243	290	12,149	SH		SOLE		12,149	0	0
iShares	ESG EAFE ETF	46436E759	400	6,565	SH		SOLE		6,565	0	0
Vanguard	ESG INTL STK ETF	921910725	625	11,762	SH		SOLE		11,762	0	0
iShares	ESG MSCI USA ETF	46436E767	376	10,448	SH		SOLE		10,448	0	0
BlackRock Fund Advisors	ESG AWARE MSCI	46435U663	15,255	429,472	SH		SOLE		429,472	0	0
VANGUARD	ESG US STK ETF	921910733	30,160	384,937	SH		SOLE		384,937	0	0
INVESCO EXCH TRADED FD TR II	NASDAQ 100 ETF	46138G649	545	3,583	SH		SOLE		3,583	0	0
State Street Global Advisors Inc	S&P KENSHO NEW	78468R648	52,418	1,175,296	SH		SOLE		1,175,296	0	0
Dimensional	US SMALL CAP ETF	25434V500	346	6,317	SH		SOLE		6,317	0	0
Dimensional	US TARGETED VLU	25434V609	1,635	35,240	SH		SOLE		35,240	0	0
Dimensional	US EQUITY ETF	25434V401	789	16,384	SH		SOLE		16,384	0	0
Dimensional	US CORE EQUITY 2	25434V708	25,265	930,564	SH		SOLE		930,564	0	0
Invesco Capital Management LLC	RUSL 1000 DYNM	46138J619	222	4,527	SH		SOLE		4,527	0	0
AMERICAN CENTY ETF TR	US EQT ETF	025072885	1,049	13,956	SH		SOLE		13,956	0	0
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	384	6,936	SH		SOLE		6,936	0	0
ABRDN SILVER ETF TRUST	PHYSCL SILVR SHS	003264108	389	17,819	SH		SOLE		17,819	0	0
Western Asset Management Co	0-3 MNTH TREASRY	46436E718	3,081	30,622	SH		SOLE		30,622	0	0
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	588	11,962	SH		SOLE		11,962	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	217	6,192	SH		SOLE		6,192	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C417	637	20,700	SH		SOLE		20,700	0	0
Innovator Capital Management LLC	US EQTY PWR BUF	45782C797	381	11,372	SH		SOLE		11,372	0	0
Innovator Capital Management LLC	US EQTY BUF OCT	45782C771	283	7,784	SH		SOLE		7,784	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C813	245	7,155	SH		SOLE		7,155	0	0
J P MORGAN EXCHANGE TRADED F	SHORT DURA CORE	46641Q274	219	4,789	SH		SOLE		4,789	0	0
Innovator Capital Management LLC	US EQTY ULTRA B	45782C821	685	22,929	SH		SOLE		22,929	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C748	304	9,596	SH		SOLE		9,596	0	0
Engine No. 1	TRANSFRM 500 ETF	29287L106	49,359	956,579	SH		SOLE		956,579	0	0
Dimensional Fund Advisors LP	INTERNATNAL VAL	25434V807	667	20,318	SH		SOLE		20,318	0	0
Dimensional Fund Advisors LP	WORLD EX US CORE	25434V880	5,640	241,951	SH		SOLE		241,951	0	0
Exchange Traded Concepts LLC	BITWISE CRYPTO	301505624	1,020	126,742	SH		SOLE		126,742	0	0
Simplify Asset Management Inc	US EQT PLS UPSID	82889N301	237	7,710	SH		SOLE		7,710	0	0
Proshare Capital Management LLC	BITCOIN STRATE	74347G440	350	20,614	SH		SOLE		20,614	0	0
Dimensional Fund Advisors LP	CORE FIXED INCOM	25434V872	6,341	151,958	SH		SOLE		151,958	0	0
Dimensional Fund Advisors LP	SHORT DURATION F	25434V864	2,078	44,827	SH		SOLE		44,827	0	0
Dimensional Fund Advisors LP	US HIGH PROFITAB	25434V831	638	24,050	SH		SOLE		24,050	0	0
Dimensional Fund Advisors LP	US REAL ESTATE E	25434V823	852	39,607	SH		SOLE		39,607	0	0
Dimensional Fund Advisors LP	INTL SMALL CAP E	25434V773	840	36,804	SH		SOLE		36,804	0	0
Dimensional Fund Advisors LP	INTL SMALL CAP V	25434V781	270	11,405	SH		SOLE		11,405	0	0
Dimensional Fund Advisors LP	INTL HIGH PROFIT	25434V765	249	10,180	SH		SOLE		10,180	0	0
Dimensional Fund Advisors LP	INTL CORE EQUITY	25434V799	3,985	164,197	SH		SOLE		164,197	0	0
Dimensional Fund Advisors LP	US MKTWIDE VALUE	25434V724	302	8,757	SH		SOLE		8,757	0	0
Dimensional Fund Advisors LP	EMERGING MKTS CO	25434V732	1,668	69,343	SH		SOLE		69,343	0	0
Dimensional Fund Advisors LP	EMERGING MKTS VA	25434V740	334	13,713	SH		SOLE		13,713	0	0
Dimensional Fund Advisors LP	EMERGING MKTS HI	25434V757	338	14,230	SH		SOLE		14,230	0	0
Goldman Sachs Asset Management LP	ACCESS EMNG MKTS	381430388	9,362	233,002	SH		SOLE		233,002	0	0
Dimensional Fund Advisors LP	US SMALL CAP VAL	25434V815	819	31,868	SH		SOLE		31,868	0	0