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	2,144	19,948	SH		SOLE		2,144	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	7,006,156	29,534,424	SH		SOLE		7,006,156	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	80,209	461,260	SH		SOLE		80,209	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	662	4,008	SH		SOLE		662	0	0
ISHARES TR	RUS MDCP VAL ETF	464287473	241,259	2,074,631	SH		SOLE		241,259	0	0
ISHARES TR	RUS 2000 VAL ETF	464287630	152,030	978,758	SH		SOLE		152,030	0	0
VANGUARD TAX MANAGED INTL FD	VAN FTSE DEV MKT	921943858	5,257,568	109,761,329	SH		SOLE		5,257,568	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	3,321,031	80,803,670	SH		SOLE		3,321,031	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,890	3,977	SH		SOLE		1,890	0	0
ISHARES TR	SHORT TREAS BD	464288679	251,470	2,283,392	SH		SOLE		251,470	0	0
VANGUARD BD INDEX FD INC	TOTAL BND MRKT	921937835	108,422	1,474,129	SH		SOLE		108,422	0	0
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	240	2,407	SH		SOLE		240	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	3,037	34,371	SH		SOLE		3,037	0	0
ISHARES TR	CORE US AGGBD ET	464287226	954,389	9,616,008	SH		SOLE		954,389	0	0
VANGUARD WHITEHALL FDS INC	EM MK GOV BD ETF	921946885	141,072	2,212,892	SH		SOLE		141,072	0	0
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	1,901,048	38,506,137	SH		SOLE		1,901,048	0	0
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	224,357	4,724,307	SH		SOLE		224,357	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	15,179	137,170	SH		SOLE		15,179	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	1,058,403	9,762,968	SH		SOLE		1,058,403	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	6,697	115,581	SH		SOLE		6,697	0	0
ISHARES TR	NEW YORK MUN ETF	464288323	6,096	112,701	SH		SOLE		6,096	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	1,163	24,953	SH		SOLE		1,163	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	3,349	41,199	SH		SOLE		3,349	0	0
SPDR SERIES TRUST	PORTFOLIO INTRMD	78464A375	350	10,673	SH		SOLE		350	0	0
SPDR SERIES TRUST	NUVEEN BLMBRG MU	78468R721	339,450	7,222,340	SH		SOLE		339,450	0	0
ISHARES TR	JPMORGAN USD EMG	464288281	917,475	10,301,767	SH		SOLE		917,475	0	0
Invesco	EMRNG MKT SVRG	46138E784	5,208	252,577	SH		SOLE		5,208	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	362,826	6,517,448	SH		SOLE		362,826	0	0
ISHARES TR	CORE S&P TTL STK	464287150	1,385,798	13,169,227	SH		SOLE		1,385,798	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	1,900,404	12,711,735	SH		SOLE		1,900,404	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	128,794	1,837,285	SH		SOLE		128,794	0	0
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	1,570,443	10,829,893	SH		SOLE		1,570,443	0	0
ISHARES TR	S&P MC 400VL ETF	464287705	8,574	75,183	SH		SOLE		8,574	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,453,386	8,075,711	SH		SOLE		1,453,386	0	0
ISHARES TR	SP SMCP600VL ETF	464287879	440	4,268	SH		SOLE		440	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	525,499	14,218,033	SH		SOLE		525,499	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	847,656	12,049,132	SH		SOLE		847,656	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	2,205	88,953	SH		SOLE		2,205	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	504,331	9,970,959	SH		SOLE		504,331	0	0
VANGUARD SPECIALIZED PORTFOL	DIV APP ETF	921908844	6,300	36,973	SH		SOLE		6,300	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	984	18,842	SH		SOLE		984	0	0
VANGUARD INTL EQUITY INDEX F	GLB EX US ETF	922042676	3,998	93,878	SH		SOLE		3,998	0	0
ISHARES TR	CORE S&P500 ETF	464287200	8,288	17,353	SH		SOLE		8,288	0	0
SCHWAB STRATEGIC TR	US REIT ETF	808524847	10,297	497,183	SH		SOLE		10,297	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	13,323	32,533	SH		SOLE		13,323	0	0
VANGUARD BD INDEX FD INC	LONG TERM BOND	921937793	11,051	148,183	SH		SOLE		11,051	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	594	2,959	SH		SOLE		594	0	0
ISHARES	CORE LT USDB ETF	464289479	693	13,178	SH		SOLE		693	0	0
ISHARES TR	7-10 YR TRSY BD	464287440	7,495	77,762	SH		SOLE		7,495	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	1,440	17,352	SH		SOLE		1,440	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	28,850	135,236	SH		SOLE		28,850	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	861	3,702	SH		SOLE		861	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	97,597	223,437	SH		SOLE		97,597	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	1,961	7,074	SH		SOLE		1,961	0	0
FIRST TR EXCHANGE TRADED FD	NO AMER ENERGY	33738D101	1,153	41,625	SH		SOLE		1,153	0	0
ISHARES TR	RUSSELL 3000 ETF	464287689	690	2,522	SH		SOLE		690	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,107	14,538	SH		SOLE		1,107	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	59,062	189,984	SH		SOLE		59,062	0	0
ISHARES TR	CORE S&P US GWT	464287671	454	4,362	SH		SOLE		454	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	2,071	19,134	SH		SOLE		2,071	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	303	6,412	SH		SOLE		303	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	920	12,252	SH		SOLE		920	0	0
VANGUARD STAR FD	VG TL INTL STK F	921909768	1,546	26,669	SH		SOLE		1,546	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	1,008	12,024	SH		SOLE		1,008	0	0
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	1,943	19,593	SH		SOLE		1,943	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	8,919	158,147	SH		SOLE		8,919	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	236	3,128	SH		SOLE		236	0	0
DBX ETF TR	XTRACK HRVST CSI	233051879	245	10,255	SH		SOLE		245	0	0
SPDR SERIES TRUST	BLOOMBERG 1-3 MO	78468R663	1,239	13,557	SH		SOLE		1,239	0	0
ISHARES GOLD TRUST	ISHARES NEW	464285204	353	9,045	SH		SOLE		353	0	0
SPDR GOLD TRUST	GOLD SHS	78463V107	1,127	5,896	SH		SOLE		1,127	0	0
Invesco	GBL LISTED PVT	46137V118	725	11,657	SH		SOLE		725	0	0
INDEXIQ ETF TR	HEDGE MLTI ETF	45409B107	873	29,008	SH		SOLE		873	0	0
WISDOMTREE TR	FUTRE STRAT FD	97717W125	2,925	83,399	SH		SOLE		2,925	0	0
ISHARES TR	MSCI EAFE ETF	464287465	1,323	17,555	SH		SOLE		1,323	0	0
VANGUARD BD INDEX FD INC	INTERMED TERM	921937819	12,766	167,135	SH		SOLE		12,766	0	0
ETFS GOLD TR	PHYSCL GOLD SHS	00326A104	489	24,756	SH		SOLE		489	0	0
VANGUARD WHITEHALL FDS INC	HIGH DIV YLD	921946406	2,076	18,594	SH		SOLE		2,076	0	0
ISHARES TR	MSCI AC ASIA ETF	464288182	559	8,398	SH		SOLE		559	0	0
PIMCO ETF TR	ACTIVE BD ETF	72201R775	988	10,685	SH		SOLE		988	0	0
VANGUARD BD INDEX FD INC	SHORT TRM BOND	921937827	24,175	313,879	SH		SOLE		24,175	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	434	8,338	SH		SOLE		434	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	5,074	98,951	SH		SOLE		5,074	0	0
ISHARES TR	EAFE VALUE ETF	464288877	1,230	23,601	SH		SOLE		1,230	0	0
ISHARES TR	EAFE SML CP ETF	464288273	232	3,750	SH		SOLE		232	0	0
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	1,034	20,716	SH		SOLE		1,034	0	0
ISHARES TR	PFD AND INCM SEC	464288687	210	6,723	SH		SOLE		210	0	0
SPDR SERIES TRUST	ICE PFD SEC ETF	78464A292	799	23,849	SH		SOLE		799	0	0
ISHARES TR	MBS ETF	464288588	12,251	130,216	SH		SOLE		12,251	0	0
MARKET VECTORS ETF TR	HIGH YLD MUNIETF	92189H409	1,258	24,368	SH		SOLE		1,258	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	538	4,972	SH		SOLE		538	0	0
ISHARES TR	20 YR TR BD ETF	464287432	1,378	13,941	SH		SOLE		1,378	0	0
VANGUARD BD INDEX FD INC	LONG TERM TREAS	92206C847	4,602	74,797	SH		SOLE		4,602	0	0
SPDR SERIES TRUST	PORTFOLIO LN TSR	78464A664	545	18,779	SH		SOLE		545	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	602	5,137	SH		SOLE		602	0	0
CAMBRIA ETF TR	VALUE MOMENTUM	132061888	2,574	90,945	SH		SOLE		2,574	0	0
CAMBRIA ETF TR	GLOBAL VALUE ETF	132061409	2,280	107,025	SH		SOLE		2,280	0	0
CAMBRIA ETF TR	GLB MOMENT ETF	132061508	10,885	395,972	SH		SOLE		10,885	0	0
CAMBRIA ETF TR	SHSHLD YIELD ETF	132061201	2,083	30,824	SH		SOLE		2,083	0	0
CAMBRIA ETF TR	CAMBRIA FGN SHR	132061300	1,067	41,371	SH		SOLE		1,067	0	0
CAMBRIA ETF TR	EMRG SHAREHLDR	132061706	1,030	32,854	SH		SOLE		1,030	0	0
Invesco	OPTIMUM YIELD	46090F100	381	28,664	SH		SOLE		381	0	0
WISDOMTREE TR	WISDOMTREE US VA	97717W547	210	3,060	SH		SOLE		210	0	0
VANGUARD BD INDEX FD INC	TAX EXEMPT BD	922907746	1,131	22,156	SH		SOLE		1,131	0	0
VANECK VECTORS TR	JP MRGAN EM LOC	92189H300	988	38,989	SH		SOLE		988	0	0
VANGUARD INDEX FDS	500 GRTH IDX F	921932505	5,857	21,629	SH		SOLE		5,857	0	0
VANGUARD INDEX FDS	VNG RUS1000GRW	92206C680	307	3,935	SH		SOLE		307	0	0
VANGUARD INDEX FDS	500 VAL IDX FD	921932703	6,530	38,880	SH		SOLE		6,530	0	0
ISHARES TR	CORE 1 5 YR USD	46432F859	1,786	37,552	SH		SOLE		1,786	0	0
ISHARES TR	INTRM GOV CR ETF	464288612	1,726	16,478	SH		SOLE		1,726	0	0
VANGUARD BD INDEX FD INC	MTG-BKD SECS ETF	92206C771	10,168	219,334	SH		SOLE		10,168	0	0
ISHARES TR	CORE INTL AGGR	46435G672	1,635	32,822	SH		SOLE		1,635	0	0
Goldman Sachs	ACTIVEBETA US LG	381430503	339,734	3,621,514	SH		SOLE		339,734	0	0
Goldman Sachs	ACTIVEBETA INT	381430107	169,649	5,194,394	SH		SOLE		169,649	0	0
Goldman Sachs	ACTIVEBETA EME	381430206	43,234	1,408,731	SH		SOLE		43,234	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	307	3,963	SH		SOLE		307	0	0
ISHARES TR	RUS 1000 ETF	464287622	438	1,671	SH		SOLE		438	0	0
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	543	4,721	SH		SOLE		543	0	0
ISHARES TR	USD INV GRDE ETF	464288620	397	7,745	SH		SOLE		397	0	0
SPDR SERIES TRUST	BLOOMBERG HIGH Y	78468R622	1,160	12,249	SH		SOLE		1,160	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	1,197	35,499	SH		SOLE		1,197	0	0
Vanguard	SML CP GRW ETF	922908595	4,056	16,778	SH		SOLE		4,056	0	0
Vanguard	ALLWRLD EX US	922042775	1,059	18,863	SH		SOLE		1,059	0	0
Vanguard	INF TECH ETF	92204A702	287	592	SH		SOLE		287	0	0
Vanguard	VNG RUS1000IDX	92206C730	504	2,324	SH		SOLE		504	0	0
Vanguard	MCAP GR IDXVIP	922908538	10,373	47,243	SH		SOLE		10,373	0	0
Vanguard	TT WRLD ST ETF	922042742	1,885	18,323	SH		SOLE		1,885	0	0
Vanguard	EXTEND MKT ETF	922908652	882	5,363	SH		SOLE		882	0	0
APPLE INC	COM	037833100	663	3,443	SH		SOLE		663	0	0
iShares	S&P MC 400GR ETF	464287606	390	4,923	SH		SOLE		390	0	0
iShares	RUS 1000 GRW ETF	464287614	1,147	3,783	SH		SOLE		1,147	0	0
iShares	RUS 2000 GRW ETF	464287648	864	3,425	SH		SOLE		864	0	0
iShares	S&P SML 600 GWT	464287887	236	1,884	SH		SOLE		236	0	0
iShares	ISHARES	46428Q109	358	16,431	SH		SOLE		358	0	0
iShares	MSCI USA MIN VOL	46429B697	372	4,763	SH		SOLE		372	0	0
iShares	0-5 YR TIPS ETF	46429B747	317,597	3,221,388	SH		SOLE		317,597	0	0
iShares	CORE MSCI TOTAL	46432F834	1,308	20,140	SH		SOLE		1,308	0	0
iShares	0-5YR HI YL CP	46434V407	6,626	156,938	SH		SOLE		6,626	0	0
Invesco	S&P500 EQL WGT	46137V357	578	3,664	SH		SOLE		578	0	0
Health	SBI HEALTHCARE	81369Y209	317	2,321	SH		SOLE		317	0	0
Vanguard	MEGA GRWTH IND	921910816	987	3,802	SH		SOLE		987	0	0
Vanguard	SHRT TRM CORP BD	92206C409	2,769	35,787	SH		SOLE		2,769	0	0
Vanguard	INTER TERM TREAS	92206C706	654	11,030	SH		SOLE		654	0	0
Schwab	SCHWAB FDT US LG	808524771	382	6,170	SH		SOLE		382	0	0
Schwab	SCHWAB FDT US SC	808524763	1,940	35,052	SH		SOLE		1,940	0	0
Schwab	SCHWB FDT EMK LG	808524730	734	27,059	SH		SOLE		734	0	0
Goldman Sachs	ACCES TREASURY	381430529	552,985	5,544,261	SH		SOLE		552,985	0	0
iShares	RUS MID CAP ETF	464287499	280	3,597	SH		SOLE		280	0	0
SPDR State Street Global Advisors	INDL	81369Y704	238	2,086	SH		SOLE		238	0	0
iShares	RUS MD CP GR ETF	464287481	286	2,734	SH		SOLE		286	0	0
SPDR State Street Global Advisors	SBI INT-UTILS	81369Y886	269	4,242	SH		SOLE		269	0	0
iShares	FLTG RATE NT ETF	46429B655	8,583	169,552	SH		SOLE		8,583	0	0
iShares	S&P 100 ETF	464287101	514	2,300	SH		SOLE		514	0	0
iShares	MSCI USA QLT FCT	46432F339	2,147	14,590	SH		SOLE		2,147	0	0
iShares	US TREAS BD ETF	46429B267	409	17,768	SH		SOLE		409	0	0
iShares	U.S. TECH ETF	464287721	378	3,079	SH		SOLE		378	0	0
SPDR State Street Global Advisors	PORTFOLIO SHORT	78464A474	1,613	54,160	SH		SOLE		1,613	0	0
ProShares	S&P 500 DV ARIST	74348A467	344	3,613	SH		SOLE		344	0	0
WisdomTree	US MIDCAP DIVID	97717W505	567	12,409	SH		SOLE		567	0	0
iShares	MSCI USA VALUE	46432F388	291	2,872	SH		SOLE		291	0	0
iShares	EAFE GRWTH ETF	464288885	864	8,919	SH		SOLE		864	0	0
iShares	MSCI USA MMENTM	46432F396	2,876	18,331	SH		SOLE		2,876	0	0
iShares	BLACKROCK SH DUR	46431W507	2,932	58,037	SH		SOLE		2,932	0	0
iShares	MSCI ACWI EX US	464288240	317	6,212	SH		SOLE		317	0	0
Vanguard	SHORT TERM TREAS	92206C102	3,206	54,957	SH		SOLE		3,206	0	0
Vanguard	MEGA CAP VAL ETF	921910840	269	2,462	SH		SOLE		269	0	0
Schwab ETFs	SHT TM US TRES	808524862	298	6,149	SH		SOLE		298	0	0
iShares	SHRT NAT MUN ETF	464288158	1,669	15,826	SH		SOLE		1,669	0	0
iShares	CORE S&P US VLU	464287663	275	3,259	SH		SOLE		275	0	0
Vanguard	MEGA CAP INDEX	921910873	257	1,521	SH		SOLE		257	0	0
iShares	CORE DIV GRWTH	46434V621	421	7,831	SH		SOLE		421	0	0
Van Eck	OIL SERVICES ETF	92189H607	537	1,735	SH		SOLE		537	0	0
WisdomTree	INTL SMCAP DIV	97717W760	742	11,627	SH		SOLE		742	0	0
Invesco	FTSE RAFI DEV	46138E743	320	6,752	SH		SOLE		320	0	0
SPDR State Street Global Advisors	S&P 600 SMCP VAL	78464A300	8,642	103,733	SH		SOLE		8,642	0	0
Van Eck	MRNGSTR WDE MOAT	92189F643	512	6,028	SH		SOLE		512	0	0
SPDR State Street Global Advisors	BLOOMBERG INVT	78468R200	227	7,413	SH		SOLE		227	0	0
Vanguard	MIDCP 400 GRTH	921932869	871	8,872	SH		SOLE		871	0	0
iShares	EXPONENTIAL TECH	46434V381	7,709	128,762	SH		SOLE		7,709	0	0
iShares	CORE TOTAL USD	46434V613	648	14,059	SH		SOLE		648	0	0
Schwab ETFs	INT-TRM U.S TRES	808524854	429	8,620	SH		SOLE		429	0	0
Invesco	S&P 500 HB ETF	46138E370	317	3,848	SH		SOLE		317	0	0
iShares	RUS TP200 GR ETF	464289438	1,389	7,930	SH		SOLE		1,389	0	0
SPDR State Street Global Advisors	PORTFOLIO DEVLPD	78463X889	17,373	510,810	SH		SOLE		17,373	0	0
iShares	MSCI KLD400 SOC	464288570	46,811	514,125	SH		SOLE		46,811	0	0
SPDR State Street Global Advisors	PRTFLO S&P500 GW	78464A409	1,132	17,397	SH		SOLE		1,132	0	0
Van Eck	FALLEN ANGEL HG	92189F437	2,422	84,171	SH		SOLE		2,422	0	0
First Trust	FIRST TR ENH NEW	33739Q408	1,748	29,297	SH		SOLE		1,748	0	0
SPDR State Street Global Advisors	NUVEEN BLOOMBERG	78464A284	9,850	389,320	SH		SOLE		9,850	0	0
iShares	MSCI USA ESG SLC	464288802	20,831	207,256	SH		SOLE		20,831	0	0
WisdomTree	US SMALLCAP FUND	97717W562	373	7,478	SH		SOLE		373	0	0
SPDR State Street Global Advisors	PORTFOLI S&P1500	78464A805	538	9,201	SH		SOLE		538	0	0
iShares	MSCI LW CRB TG	46434V464	205,452	1,241,551	SH		SOLE		205,452	0	0
iShares	GLOBAL REIT ETF	46434V647	232	9,600	SH		SOLE		232	0	0
SPDR State Street Global Advisors	PRTFLO S&P500 VL	78464A508	156,880	3,364,361	SH		SOLE		156,880	0	0
SPDR State Street Global Advisors	PORTFOLIO EMG MK	78463X509	27,909	788,179	SH		SOLE		27,909	0	0
Vanguard	INTL HIGH ETF	921946794	792	11,919	SH		SOLE		792	0	0
SPDR State Street Global Advisors	SPDR MSCI USA GE	78468R747	3,379	35,572	SH		SOLE		3,379	0	0
Vanguard	INTL DVD ETF	921946810	6,396	80,612	SH		SOLE		6,396	0	0
iShares	JP MRGN EM HI BD	464286285	2,277	62,652	SH		SOLE		2,277	0	0
Vanguard	SMLCP 600 VAL	921932778	394	4,448	SH		SOLE		394	0	0
SPDR State Street Global Advisors	PORTFOLIO S&P600	78468R853	314	7,447	SH		SOLE		314	0	0
iShares	MRGSTR MD CP GRW	464288307	232	3,596	SH		SOLE		232	0	0
John Hancock	MULTIFACTOR MI	47804J206	835	15,864	SH		SOLE		835	0	0
SPDR State Street Global Advisors	PORTFOLIO S&P500	78464A854	3,536	63,262	SH		SOLE		3,536	0	0
WisdomTree	US LARGECAP FUND	97717W588	1,321	26,360	SH		SOLE		1,321	0	0
SPDR State Street Global Advisors	SPDR S&P 500 ETF	78468R796	80,754	2,080,760	SH		SOLE		80,754	0	0
Legg Mason	FRANKLIN US LOW	52468L406	230	6,324	SH		SOLE		230	0	0
WisdomTree	YIELD ENHANCD US	97717X511	828	18,810	SH		SOLE		828	0	0
First Trust	RISNG DIVD ACHIV	33738R506	932	18,034	SH		SOLE		932	0	0
SPDR State Street Global Advisors	MSCI EAFE STRTGC	78463X434	735	10,053	SH		SOLE		735	0	0
iShares	ESG AW MSCI EAFE	46435G516	289,811	3,836,523	SH		SOLE		289,811	0	0
SPDR State Street Global Advisors	MULT ASS RLRTN	78467V103	214	7,870	SH		SOLE		214	0	0
iShares	CRE U S REIT ETF	464288521	400	7,368	SH		SOLE		400	0	0
First Trust Exchange-Traded Fund VIII	TCW OPPORTUNIS	33740F805	2,902	65,053	SH		SOLE		2,902	0	0
EA Series Trust	US QUAN VALUE	02072L102	600	14,808	SH		SOLE		600	0	0
EA Series Trust	INTL QUAN VALUE	02072L201	450	17,982	SH		SOLE		450	0	0
iShares	ESG AWR MSCI EM	46434G863	87,058	2,715,480	SH		SOLE		87,058	0	0
SPDR INDEX SHS FDS	MSCI EAFE FS ETF	78470E106	46,489	1,191,727	SH		SOLE		46,489	0	0
EA Series Trust	INTL QUAN MOMNTM	02072L300	389	14,759	SH		SOLE		389	0	0
iShares	MSCI INTL QUALTY	46434V456	1,468	39,088	SH		SOLE		1,468	0	0
iShares	MSCI INTL MOMENT	46434V449	1,549	45,177	SH		SOLE		1,549	0	0
Ark ETF Trust	NEXT GNRTN INTER	00214Q401	1,471	19,378	SH		SOLE		1,471	0	0
iShares	TRS FLT RT BD	46434V860	7,078	140,249	SH		SOLE		7,078	0	0
Ark ETF Trust	INNOVATION ETF	00214Q104	1,149	21,946	SH		SOLE		1,149	0	0
ProShares	PRIV EQTY-LSTD	74348A533	230	8,153	SH		SOLE		230	0	0
iShares	INTERNATIONAL SL	46434V266	201	6,269	SH		SOLE		201	0	0
iShares	FALN ANGLS USD	46435G474	5,567	210,884	SH		SOLE		5,567	0	0
Pacer	US CASH COWS 100	69374H881	1,114	21,421	SH		SOLE		1,114	0	0
iShares	ESG AWR MSCI USA	46435G425	267,912	2,553,484	SH		SOLE		267,912	0	0
SPDR INDEX SHS FDS	MSCI EMR MKT ETF	78470E205	28,066	911,224	SH		SOLE		28,066	0	0
INVESCO EXCH TRADED FD TR II	S&P INTL MOMNT	46138E222	324	8,788	SH		SOLE		324	0	0
WisdomTree	EM EX ST-OWNED	97717X578	4,395	152,175	SH		SOLE		4,395	0	0
Invesco	S&P 500 MOMNTM	46138E339	322	4,920	SH		SOLE		322	0	0
WisdomTree	FLOATNG RAT TREA	97717Y527	238	4,734	SH		SOLE		238	0	0
Goldman Sachs	ACTIVEBETA US	381430602	43,377	687,216	SH		SOLE		43,377	0	0
Goldman Sachs	ACCESS INVT GR	381430479	21,837	471,550	SH		SOLE		21,837	0	0
XTRACKERS	XTRACK USD HIGH	233051432	8,149	229,237	SH		SOLE		8,149	0	0
PROCTER AND GAMBLE CO	COM	742718109	314	2,144	SH		SOLE		314	0	0
ISHARES	BROAD USD HIGH	46435U853	2,436	67,011	SH		SOLE		2,436	0	0
GraniteShares	BBG COMMD K 1	38747R108	9,352	481,304	SH		SOLE		9,352	0	0
WORLD GOLD TR	SPDR GLD MINIS	98149E303	425	10,400	SH		SOLE		425	0	0
JP Morgan	ULTRA SHRT INC	46641Q837	179,245	3,568,494	SH		SOLE		179,245	0	0
Goldman Sachs	ACCESS INFLATI	381430362	4,696	95,966	SH		SOLE		4,696	0	0
iShares	ESG AWR US AGRGT	46435U549	19,479	408,014	SH		SOLE		19,479	0	0
AVANTIS INTL	INTL SMCP VLU	025072802	1,081	17,302	SH		SOLE		1,081	0	0
Avantis	US SML CP VALU	025072877	2,617	29,146	SH		SOLE		2,617	0	0
Goldman Sachs	ACCESS US AGRAT	38149W101	33,380	797,230	SH		SOLE		33,380	0	0
Impact Shares	NAACP MINO ETF	45259A209	3,354	98,764	SH		SOLE		3,354	0	0
iShares	USD GRN BOND ETF	46435U440	46,978	994,660	SH		SOLE		46,978	0	0
Dimensional Fund Advisors	INTL CORE EQT MK	25434V203	23,757	829,488	SH		SOLE		23,757	0	0
Dimensional Fund Advisors	EMGR CRE EQT MNG	25434V302	7,076	293,490	SH		SOLE		7,076	0	0
Dimensional Fund Advisors	US CORE EQT MKT	25434V104	41,752	1,255,713	SH		SOLE		41,752	0	0
Cambria Funds	GBL REAL EST ETF	132061813	931	36,789	SH		SOLE		931	0	0
ISHARES	ESG AWRE USD ETF	46435G193	14,353	616,795	SH		SOLE		14,353	0	0
iShares	ESG ADV TTL USD	46436E619	1,832	42,350	SH		SOLE		1,832	0	0
iShares	ESG AWRE 1 5 YR	46435G243	306	12,504	SH		SOLE		306	0	0
iShares	ESG EAFE ETF	46436E759	414	6,475	SH		SOLE		414	0	0
Vanguard	ESG INTL STK ETF	921910725	701	12,681	SH		SOLE		701	0	0
iShares	ESG MSCI USA ETF	46436E767	387	9,712	SH		SOLE		387	0	0
BlackRock Fund Advisors	ESG AWARE MSCI	46435U663	16,372	430,730	SH		SOLE		16,372	0	0
VANGUARD	ESG US STK ETF	921910733	32,417	381,110	SH		SOLE		32,417	0	0
ETF SER SOLUTIONS	NATIONWIDE NASDQ	26922A172	234	10,463	SH		SOLE		234	0	0
INVESCO EXCH TRADED FD TR II	NASDAQ 100 ETF	46138G649	926	5,496	SH		SOLE		926	0	0
State Street Global Advisors Inc	S&P KENSHO NEW	78468R648	59,314	1,270,098	SH		SOLE		59,314	0	0
PACER FDS TR	PACER US SMALL	69374H857	405	8,430	SH		SOLE		405	0	0
Dimensional	US SMALL CAP ETF	25434V500	704	11,808	SH		SOLE		704	0	0
Dimensional	US TARGETED VLU	25434V609	6,840	130,701	SH		SOLE		6,840	0	0
Dimensional	US EQUITY ETF	25434V401	2,536	48,930	SH		SOLE		2,536	0	0
Dimensional	US CORE EQUITY 2	25434V708	41,870	1,432,423	SH		SOLE		41,870	0	0
PGIM ETF TR	PGIM ULTRA SH BD	69344A107	463	9,373	SH		SOLE		463	0	0
AMERICAN CENTY ETF TR	US EQT ETF	025072885	1,057	12,956	SH		SOLE		1,057	0	0
J P MORGAN EXCHANGE TRADED	EQUITY PREMIUM	46641Q332	246	4,480	SH		SOLE		246	0	0
ABRDN SILVER ETF TRUST	PHYSCL SILVR SHS	003264108	443	19,447	SH		SOLE		443	0	0
Western Asset Management Co	0-3 MNTH TREASRY	46436E718	3,196	31,877	SH		SOLE		3,196	0	0
ISHARES INC	MSCI EMRG CHN	46434G764	363	6,557	SH		SOLE		363	0	0
BETABUILDRS US	BETABUILDRS US	46641Q399	226	2,636	SH		SOLE		226	0	0
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	11,627	235,165	SH		SOLE		11,627	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	297	7,986	SH		SOLE		297	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C417	711	21,764	SH		SOLE		711	0	0
ISHARES TR	INVESTMENT GRADE	46435G219	9,143	202,055	SH		SOLE		9,143	0	0
Innovator Capital Management LLC	US EQTY PWR BUF	45782C797	407	11,255	SH		SOLE		407	0	0
INNOVATOR ETFS TR	US EQTY PWR BF	45782C680	748	22,408	SH		SOLE		748	0	0
Innovator Capital Management LLC	US EQTY BUF OCT	45782C771	255	6,626	SH		SOLE		255	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C813	310	8,567	SH		SOLE		310	0	0
Innovator Capital Management LLC	US EQTY ULTRA B	45782C821	889	27,471	SH		SOLE		889	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C748	312	9,334	SH		SOLE		312	0	0
EA Series Trust	FREEDOM 100 EM	02072L607	365	11,087	SH		SOLE		365	0	0
Engine No. 1	TRANSFRM 500 ETF	29287L106	53,651	964,591	SH		SOLE		53,651	0	0
Dimensional Fund Advisors LP	INTERNATNAL VAL	25434V807	2,545	74,077	SH		SOLE		2,545	0	0
Dimensional Fund Advisors LP	WORLD EX US CORE	25434V880	5,122	209,733	SH		SOLE		5,122	0	0
Exchange Traded Concepts LLC	BITWISE CRYPTO	301505624	1,041	89,816	SH		SOLE		1,041	0	0
Simplify Asset Management Inc	US EQT PLS UPSID	82889N301	246	7,450	SH		SOLE		246	0	0
Proshare Capital Management LLC	BITCOIN STRATE	74347G440	539	26,303	SH		SOLE		539	0	0
Dimensional Fund Advisors LP	CORE FIXED INCOM	25434V872	11,193	263,981	SH		SOLE		11,193	0	0
Dimensional Fund Advisors LP	SHORT DURATION F	25434V864	3,645	77,532	SH		SOLE		3,645	0	0
Dimensional Fund Advisors LP	NATL MUN BD ETF	25434V849	291	6,006	SH		SOLE		291	0	0
American Century Investment Management Inc	AVANTIS CORE FI	025072562	243	5,803	SH		SOLE		243	0	0
Dimensional Fund Advisors LP	US HIGH PROFITAB	25434V831	999	34,924	SH		SOLE		999	0	0
Dimensional Fund Advisors LP	US REAL ESTATE E	25434V823	2,264	99,561	SH		SOLE		2,264	0	0
Dimensional Fund Advisors LP	INTL SMALL CAP E	25434V773	1,532	63,374	SH		SOLE		1,532	0	0
Dimensional Fund Advisors LP	INTL SMALL CAP V	25434V781	485	18,809	SH		SOLE		485	0	0
Dimensional Fund Advisors LP	INTL HIGH PROFIT	25434V765	280	10,927	SH		SOLE		280	0	0
Dimensional Fund Advisors LP	INTL CORE EQUITY	25434V799	9,543	373,787	SH		SOLE		9,543	0	0
Dimensional Fund Advisors LP	EMERGING MKTS CO	25434V732	4,253	170,397	SH		SOLE		4,253	0	0
Dimensional Fund Advisors LP	EMERGING MKTS VA	25434V740	1,291	51,211	SH		SOLE		1,291	0	0
Dimensional Fund Advisors LP	EMERGING MKTS HI	25434V757	596	24,575	SH		SOLE		596	0	0
Goldman Sachs Asset Management LP	ACCESS EMNG MKTS	381430388	11,474	281,013	SH		SOLE		11,474	0	0
Dimensional Fund Advisors LP	US SMALL CAP VAL	25434V815	1,312	45,043	SH		SOLE		1,312	0	0
Capital Research and Management Co	SHS CREATION UNI	14020G101	234	8,288	SH		SOLE		234	0	0
Capital Research and Management Co	SHS CREATION UNI	14020W106	287	9,614	SH		SOLE		287	0	0
Dimensional Fund Advisors LP	GLOBAL REAL EST	25434V658	708	27,247	SH		SOLE		708	0	0
Dimensional Fund Advisors LP	US LARGE CAP VAL	25434V666	743	27,458	SH		SOLE		743	0	0