Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab US Large-Cap ETF	460,458	$21.56M	18.4%	$25239.87	—	US LRG CAP ETF	808524201
VEA	Vanguard FTSE Developed Markets ETF	475,697	$19.7M	16.8%	$3791.98	—	VAN FTSE DEV MKT	921943858
BND	Vanguard Total Bond Market ETF	161,491	$12.35M	10.5%	$2773.37	—	TOTAL BND MRKT	921937835
MUB	iShares National Muni Bond ETF	50,647	$5.468M	4.7%	$111.35	—	NATIONAL MUN ETF	464288414
VUG	Vanguard Growth ETF	22,289	$5.346M	4.6%	$9759.63	—	GROWTH ETF	922908736
VWO	Vanguard FTSE Emerging Markets ETF	126,626	$5.164M	4.4%	$764.35	—	FTSE EMR MKT ETF	922042858
SCHA	Schwab US Small-Cap ETF	121,071	$4.998M	4.3%	$23260.72	—	US SML CAP ETF	808524607
VTV	Vanguard Value ETF	34,483	$4.63M	4.0%	$5601.65	—	VALUE ETF	922908744
HYLB	Xtrackers USD High Yield Corporate Bond ETF	98,521	$3.469M	3.0%	$1232.91	—	XTRACK USD HIGH	233051432
RSP	Invesco S&P 500 Equal Weight ETF	23,482	$3.295M	2.8%	$28661.65	—	S&P500 EQL WGT	46137V357
IEFA	iShares Core MSCI EAFE ETF	52,262	$3.129M	2.7%	$69.84	—	CORE MSCI EAFE	46432F842
VTIP	Vanguard Short-Term Inflation-Protected Securities ETF	43,289	$2.157M	1.8%	$51.07	—	STRM INFPROIDX	922020805
EMB	iShares JP Morgan USD Emerging Markets Bond ETF	24,048	$2.068M	1.8%	$103.27	—	JPMORGAN USD EMG	464288281
HYD	VanEck High Yield Muni ETF	37,558	$2.048M	1.7%	$59.66	—	HIGH YLD MUNIETF	92189H409
SCHV	Schwab U.S. Large-Cap Value ETF	31,790	$2.044M	1.7%	$69.86	—	US LCAP VA ETF	808524409
EMLC	VanEck J. P. Morgan EM Local Currency Bond ETF	84,987	$2.024M	1.7%	$1371.38	—	JP MRGAN EM LOC	92189H300
SCHG	Schwab U.S. Large-Cap Growth ETF	29,266	$1.82M	1.6%	$33012.36	—	US LCAP GR ETF	808524300
VTEB	Vanguard Tax-Exempt Bond Index ETF	35,716	$1.813M	1.5%	$37610.90	—	TAX EXEMPT BD	922907746
USMV	iShares MSCI USA Min Vol Factor ETF	20,080	$1.44M	1.2%	$7051.50	—	MSCI USA MIN VOL	46429B697
ACWV	iShares MSCI Global Min Vol Factor ETF	14,171	$1.355M	1.2%	$3885.08	—	MSCI GBL MIN VOL	464286525
IEMG	iShares Core MSCI Emerging Markets ETF	25,313	$1.222M	1.0%	$13447.17	—	CORE MSCI EMKT	46434G103
SCHO	Schwab Short-Term U.S. Treasury ETF	23,323	$1.149M	1.0%	$2269.85	—	SHT TM US TRES	808524862
VBK	Vanguard Small-Cap Growth ETF	5,108	$1.082M	0.9%	$24405.58	—	SML CP GRW ETF	922908595
VBR	Vanguard Small-Cap Value ETF	6,551	$1.029M	0.9%	$16662.44	—	SM CP VAL ETF	922908611
SUB	iShares Short-Term National Muni Bond ETF	9,113	$960K	0.8%	$30320.22	—	SHRT NAT MUN ETF	464288158
HYMB	SPDR Nuveen S&P High Yield Municipal Bond ETF	15,462	$809K	0.7%	$29671.71	—	NUVEEN BLOOMBERG	78464A284
IWN	iShares Russell 2000 Value ETF	4,997	$715K	0.6%	$150.97	—	RUS 2000 VAL ETF	464287630
IWO	iShares Russell 2000 Growth ETF	2,673	$588K	0.5%	$33211.09	—	RUS 2000 GRW ETF	464287648
PEP	PepsiCo Inc	2,825	$479K	0.4%	$143.45	+4.4%	COM	713448108
MCD	McDonald's Corp	1,794	$456K	0.4%	$229.60	-1.4%	COM	580135101
AAPL	Apple Inc	2,576	$397K	0.3%	$154.62	-3.9%	COM	037833100
V	Visa Inc	1,847	$395K	0.3%	$208.13	-3.4%	COM CL A	92826C839
BKLN	Invesco Senior Loan ETF	18,150	$380K	0.3%	$21.97	—	SR LN ETF	46138G508
VWOB	Vanguard Emerging Markets Government Bond ETF	5,521	$342K	0.3%	$69860.06	—	EM MK GOV BD ETF	921946885
EBND	SPDR Bloomberg Emerging Markets Local Bond ETF	16,678	$336K	0.3%	$5063.76	—	BLOOMBERG EMERGI	78464A391
SPLV	Invesco S&P 500 Low Volatility ETF	4,662	$289K	0.2%	$18508.25	—	S&P500 LOW VOL	46138E354
VYM	Vanguard High Dividend Yield ETF	2,802	$289K	0.2%	$110.16	—	HIGH DIV YLD	921946406
EFAV	iShares MSCI EAFE Min Vol Factor ETF	4,459	$286K	0.2%	$9369.53	—	MSCI EAFE MIN VL	46429B689