# EDGAR Filing Document

**Accession Number:** 0001633901
**File Stem:** 0001633901-26-000002
**Filing Date:** 2026-2
**Character Count:** 59685
**Document Hash:** 580f169a472a1c521115ab0ee91fd875
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001633901-26-000002.hdr.sgml**: 20260212

**ACCESSION NUMBER**: 0001633901-26-000002

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260212

**DATE AS OF CHANGE**: 20260212

**EFFECTIVENESS DATE**: 20260212

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Betterment LLC
- **CENTRAL INDEX KEY:** 0001633901

**ORGANIZATION NAME:**
- **EIN:** 800620933
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16706
- **FILM NUMBER:** 26624269

**BUSINESS ADDRESS:**
- **STREET 1:** 450 WEST 33RD STREET, FL 11
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10001
- **BUSINESS PHONE:** 212-228-1328

**MAIL ADDRESS:**
- **STREET 1:** 450 WEST 33RD STREET, FL 11
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10001

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Betterment LLC<br>**Address:** 450 WEST 33RD STREET FL 11<br>NEW YORK, NY 10001

**Form 13F File Number:** 028-16706

**CRD Number (if applicable):** 000149117

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Khaley Sestak<br>**Title:** Chief Compliance Officer<br>**Phone:** 212-228-1328

**Signature, Place, and Date of Signing:**

Khaley Sestak  New York, NY  02-11-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 551

**Form 13F Information Table Value Total:** $52488056

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 2112 | 19213 | SH |  | SOLE |  | 2112 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 8439274 | 25171575 | SH |  | SOLE |  | 8439274 | 0 | 0 |
| SPDR DOW JONES INDL AVRG ETF | UT SER 1 | 78467X109 |  | 1079 | 2246 | SH |  | SOLE |  | 1079 | 0 | 0 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 78408 | 369725 | SH |  | SOLE |  | 78408 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 640 | 3044 | SH |  | SOLE |  | 640 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 218706 | 1550556 | SH |  | SOLE |  | 218706 | 0 | 0 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 126100 | 695877 | SH |  | SOLE |  | 126100 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 8222 | 99270 | SH |  | SOLE |  | 8222 | 0 | 0 |
| VANGUARD TAX MANAGED INTL FD | VAN FTSE DEV MKT | 921943858 |  | 8657615 | 138588366 | SH |  | SOLE |  | 8657615 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 2888676 | 53732807 | SH |  | SOLE |  | 2888676 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 13229 | 19400 | SH |  | SOLE |  | 13229 | 0 | 0 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 77782 | 706145 | SH |  | SOLE |  | 77782 | 0 | 0 |
| VANGUARD BD INDEX FD INC | TOTAL BND MRKT | 921937835 |  | 127260 | 1718105 | SH |  | SOLE |  | 127260 | 0 | 0 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 415 | 4136 | SH |  | SOLE |  | 415 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 7166 | 80987 | SH |  | SOLE |  | 7166 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 2622398 | 26255484 | SH |  | SOLE |  | 2622398 | 0 | 0 |
| VANGUARD WHITEHALL FDS INC | EM MK GOV BD ETF | 921946885 |  | 314207 | 4659747 | SH |  | SOLE |  | 314207 | 0 | 0 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 945056 | 19558275 | SH |  | SOLE |  | 945056 | 0 | 0 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 76930 | 1555395 | SH |  | SOLE |  | 76930 | 0 | 0 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 17483 | 158661 | SH |  | SOLE |  | 17483 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 2034042 | 18990218 | SH |  | SOLE |  | 2034042 | 0 | 0 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 13291 | 231306 | SH |  | SOLE |  | 13291 | 0 | 0 |
| ISHARES TR | NEW YORK MUN ETF | 464288323 |  | 8359 | 156208 | SH |  | SOLE |  | 8359 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 2542 | 30356 | SH |  | SOLE |  | 2542 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R721 |  | 553377 | 12106265 | SH |  | SOLE |  | 553377 | 0 | 0 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 573282 | 5954321 | SH |  | SOLE |  | 573282 | 0 | 0 |
| Invesco | EMRNG MKT SVRG | 46138E784 |  | 1522 | 70287 | SH |  | SOLE |  | 1522 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 423779 | 16156262 | SH |  | SOLE |  | 423779 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1588136 | 10680855 | SH |  | SOLE |  | 1588136 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 949982 | 4973990 | SH |  | SOLE |  | 949982 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 121924 | 4117665 | SH |  | SOLE |  | 121924 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 696108 | 3924610 | SH |  | SOLE |  | 696108 | 0 | 0 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 5434 | 41298 | SH |  | SOLE |  | 5434 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 639535 | 3019666 | SH |  | SOLE |  | 639535 | 0 | 0 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 340 | 2989 | SH |  | SOLE |  | 340 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 525526 | 21860498 | SH |  | SOLE |  | 525526 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 859612 | 9608903 | SH |  | SOLE |  | 859612 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 3453 | 105449 | SH |  | SOLE |  | 3453 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 397426 | 5912312 | SH |  | SOLE |  | 397426 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 637 | 11649 | SH |  | SOLE |  | 637 | 0 | 0 |
| VANGUARD SPECIALIZED PORTFOL | DIV APP ETF | 921908844 |  | 35147 | 159921 | SH |  | SOLE |  | 35147 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 1198 | 45228 | SH |  | SOLE |  | 1198 | 0 | 0 |
| VANGUARD WORLD FDS | ENERGY ETF | 92204A306 |  | 809 | 6426 | SH |  | SOLE |  | 809 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 12233 | 266863 | SH |  | SOLE |  | 12233 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 97129 | 141807 | SH |  | SOLE |  | 97129 | 0 | 0 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 16069 | 769210 | SH |  | SOLE |  | 16069 | 0 | 0 |
| Invesco | UNIT SER 1 | 46090E103 |  | 42478 | 69148 | SH |  | SOLE |  | 42478 | 0 | 0 |
| VANGUARD BD INDEX FD INC | LONG TERM BOND | 921937793 |  | 14529 | 208990 | SH |  | SOLE |  | 14529 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1467 | 5960 | SH |  | SOLE |  | 1467 | 0 | 0 |
| ISHARES | CORE LT USDB ETF | 464289479 |  | 1204 | 24224 | SH |  | SOLE |  | 1204 | 0 | 0 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 14598 | 151812 | SH |  | SOLE |  | 14598 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 7911 | 242522 | SH |  | SOLE |  | 7911 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 59127 | 229220 | SH |  | SOLE |  | 59127 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 74751 | 257568 | SH |  | SOLE |  | 74751 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 195991 | 312521 | SH |  | SOLE |  | 195991 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 3761 | 56988 | SH |  | SOLE |  | 3761 | 0 | 0 |
| FIRST TR EXCHANGE TRADED FD | NO AMER ENERGY | 33738D101 |  | 1535 | 40545 | SH |  | SOLE |  | 1535 | 0 | 0 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 464 | 1199 | SH |  | SOLE |  | 464 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 331 | 945 | SH |  | SOLE |  | 331 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 4205 | 153306 | SH |  | SOLE |  | 4205 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 153605 | 314854 | SH |  | SOLE |  | 153605 | 0 | 0 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 933 | 5557 | SH |  | SOLE |  | 933 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 4903 | 40797 | SH |  | SOLE |  | 4903 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 48323 | 1696751 | SH |  | SOLE |  | 48323 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 1824 | 14795 | SH |  | SOLE |  | 1824 | 0 | 0 |
| VANGUARD STAR FD | VG TL INTL STK F | 921909768 |  | 28879 | 382801 | SH |  | SOLE |  | 28879 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET ENE | 81369Y506 |  | 711 | 15903 | SH |  | SOLE |  | 711 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 3432 | 30931 | SH |  | SOLE |  | 3432 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 948 | 8481 | SH |  | SOLE |  | 948 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 488388 | 18148928 | SH |  | SOLE |  | 488388 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 3148 | 104700 | SH |  | SOLE |  | 3148 | 0 | 0 |
| DBX ETF TR | XTRACK HRVST CSI | 233051879 |  | 520 | 15838 | SH |  | SOLE |  | 520 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 1626 | 17797 | SH |  | SOLE |  | 1626 | 0 | 0 |
| ISHARES GOLD TRUST | ISHARES NEW | 464285204 |  | 1817 | 22380 | SH |  | SOLE |  | 1817 | 0 | 0 |
| SPDR GOLD TRUST | GOLD SHS | 78463V107 |  | 5015 | 12655 | SH |  | SOLE |  | 5015 | 0 | 0 |
| Invesco | GBL LISTED PVT | 46137V118 |  | 553 | 8241 | SH |  | SOLE |  | 553 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 719 | 13120 | SH |  | SOLE |  | 719 | 0 | 0 |
| INDEXIQ ETF TR | NYLI HEDGE MULTI | 45409B107 |  | 539 | 16078 | SH |  | SOLE |  | 539 | 0 | 0 |
| WISDOMTREE TR | FUTRE STRAT FD | 97717W125 |  | 287 | 7553 | SH |  | SOLE |  | 287 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1020 | 10617 | SH |  | SOLE |  | 1020 | 0 | 0 |
| VANGUARD BD INDEX FD INC | INTERMED TERM | 921937819 |  | 23690 | 304192 | SH |  | SOLE |  | 23690 | 0 | 0 |
| ETFS GOLD TR | PHYSCL GOLD SHS | 00326A104 |  | 1211 | 29472 | SH |  | SOLE |  | 1211 | 0 | 0 |
| VANGUARD WORLD FDS | FINANCIALS ETF | 92204A405 |  | 206 | 1541 | SH |  | SOLE |  | 206 | 0 | 0 |
| VANGUARD WHITEHALL FDS INC | HIGH DIV YLD | 921946406 |  | 3881 | 27042 | SH |  | SOLE |  | 3881 | 0 | 0 |
| ISHARES TR | MSCI AC ASIA ETF | 464288182 |  | 1011 | 10854 | SH |  | SOLE |  | 1011 | 0 | 0 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 787 | 8451 | SH |  | SOLE |  | 787 | 0 | 0 |
| VANGUARD BD INDEX FD INC | SHORT TRM BOND | 921937827 |  | 48421 | 614397 | SH |  | SOLE |  | 48421 | 0 | 0 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 7924 | 147060 | SH |  | SOLE |  | 7924 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 14662 | 277271 | SH |  | SOLE |  | 14662 | 0 | 0 |
| DBX ETF TR | XTRACK MSCI EAFE | 233051200 |  | 873 | 18137 | SH |  | SOLE |  | 873 | 0 | 0 |
| ISHARES | MSCI EMERG MRKT | 464286533 |  | 748 | 11673 | SH |  | SOLE |  | 748 | 0 | 0 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 1289 | 18051 | SH |  | SOLE |  | 1289 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 820 | 10580 | SH |  | SOLE |  | 820 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 258 | 3082 | SH |  | SOLE |  | 258 | 0 | 0 |
| WISDOMTREE TR | EMG MKTS SMCAP | 97717W281 |  | 831 | 14510 | SH |  | SOLE |  | 831 | 0 | 0 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 295 | 9520 | SH |  | SOLE |  | 295 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A292 |  | 785 | 24779 | SH |  | SOLE |  | 785 | 0 | 0 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 303 | 2495 | SH |  | SOLE |  | 303 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 |  | 5435 | 57082 | SH |  | SOLE |  | 5435 | 0 | 0 |
| MARKET VECTORS ETF TR | HIGH YLD MUNIETF | 92189H409 |  | 1686 | 32984 | SH |  | SOLE |  | 1686 | 0 | 0 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 500 | 4913 | SH |  | SOLE |  | 500 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 9488 | 108853 | SH |  | SOLE |  | 9488 | 0 | 0 |
| VANGUARD BD INDEX FD INC | LONG TERM TREAS | 92206C847 |  | 18773 | 336442 | SH |  | SOLE |  | 18773 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A664 |  | 3336 | 126019 | SH |  | SOLE |  | 3336 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 2280 | 19105 | SH |  | SOLE |  | 2280 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A672 |  | 602 | 20873 | SH |  | SOLE |  | 602 | 0 | 0 |
| CAMBRIA ETF TR | VALUE MOMENTUM | 132061888 |  | 2446 | 71647 | SH |  | SOLE |  | 2446 | 0 | 0 |
| CAMBRIA ETF TR | GLOBAL VALUE ETF | 132061409 |  | 2425 | 77054 | SH |  | SOLE |  | 2425 | 0 | 0 |
| CAMBRIA ETF TR | GLB MOMENT ETF | 132061508 |  | 12131 | 361904 | SH |  | SOLE |  | 12131 | 0 | 0 |
| CAMBRIA ETF TR | SHSHLD YIELD ETF | 132061201 |  | 684 | 9836 | SH |  | SOLE |  | 684 | 0 | 0 |
| CAMBRIA ETF TR | CAMBRIA FGN SHR | 132061300 |  | 941 | 28953 | SH |  | SOLE |  | 941 | 0 | 0 |
| CAMBRIA ETF TR | EMRG SHAREHLDR | 132061706 |  | 916 | 23910 | SH |  | SOLE |  | 916 | 0 | 0 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 380 | 9633 | SH |  | SOLE |  | 380 | 0 | 0 |
| VANGUARD BD INDEX FD INC | TAX EXEMPT BD | 922907746 |  | 337341 | 6707905 | SH |  | SOLE |  | 337341 | 0 | 0 |
| VANECK VECTORS TR | JP MRGAN EM LOC | 92189H300 |  | 1258 | 48709 | SH |  | SOLE |  | 1258 | 0 | 0 |
| VANGUARD INDEX FDS | 500 GRTH IDX F | 921932505 |  | 12926 | 29073 | SH |  | SOLE |  | 12926 | 0 | 0 |
| VANGUARD INDEX FDS | VNG RUS1000GRW | 92206C680 |  | 746 | 6128 | SH |  | SOLE |  | 746 | 0 | 0 |
| VANGUARD INDEX FDS | 500 VAL IDX FD | 921932703 |  | 9625 | 46984 | SH |  | SOLE |  | 9625 | 0 | 0 |
| VANGUARD INDEX FDS | VNG RUS1000VAL | 92206C714 |  | 282 | 3054 | SH |  | SOLE |  | 282 | 0 | 0 |
| VANGUARD INDEX FDS | VNG RUS2000IDX | 92206C664 |  | 522 | 5241 | SH |  | SOLE |  | 522 | 0 | 0 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 1945 | 39896 | SH |  | SOLE |  | 1945 | 0 | 0 |
| ISHARES TR | INTRM GOV CR ETF | 464288612 |  | 1476 | 13747 | SH |  | SOLE |  | 1476 | 0 | 0 |
| VANGUARD BD INDEX FD INC | MTG-BKD SECS ETF | 92206C771 |  | 14734 | 312948 | SH |  | SOLE |  | 14734 | 0 | 0 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 90965 | 1818945 | SH |  | SOLE |  | 90965 | 0 | 0 |
| Goldman Sachs | ACTIVEBETA US LG | 381430503 |  | 794977 | 6005716 | SH |  | SOLE |  | 794977 | 0 | 0 |
| Goldman Sachs | ACTIVEBETA INT | 381430107 |  | 132911 | 3095283 | SH |  | SOLE |  | 132911 | 0 | 0 |
| Goldman Sachs | ACTIVEBETA EME | 381430206 |  | 90529 | 2175132 | SH |  | SOLE |  | 90529 | 0 | 0 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 1490 | 18476 | SH |  | SOLE |  | 1490 | 0 | 0 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 1478 | 3958 | SH |  | SOLE |  | 1478 | 0 | 0 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 441 | 10787 | SH |  | SOLE |  | 441 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 650 | 4532 | SH |  | SOLE |  | 650 | 0 | 0 |
| ISHARES TR | USD INV GRDE ETF | 464288620 |  | 17917 | 346088 | SH |  | SOLE |  | 17917 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R622 |  | 1410 | 14509 | SH |  | SOLE |  | 1410 | 0 | 0 |
| ISHARES TR | 10+ YR INVST GRD | 464289511 |  | 13903 | 275576 | SH |  | SOLE |  | 13903 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 1904 | 42125 | SH |  | SOLE |  | 1904 | 0 | 0 |
| Vanguard | SML CP GRW ETF | 922908595 |  | 5856 | 19384 | SH |  | SOLE |  | 5856 | 0 | 0 |
| Vanguard | CONSUM STP ETF | 92204A207 |  | 293 | 1388 | SH |  | SOLE |  | 293 | 0 | 0 |
| Vanguard | ALLWRLD EX US | 922042775 |  | 2431 | 33043 | SH |  | SOLE |  | 2431 | 0 | 0 |
| Vanguard | INF TECH ETF | 92204A702 |  | 3013 | 3997 | SH |  | SOLE |  | 3013 | 0 | 0 |
| Vanguard | HEALTH CAR ETF | 92204A504 |  | 404 | 1403 | SH |  | SOLE |  | 404 | 0 | 0 |
| Vanguard | VNG RUS1000IDX | 92206C730 |  | 759 | 2456 | SH |  | SOLE |  | 759 | 0 | 0 |
| Vanguard | MCAP GR IDXVIP | 922908538 |  | 24127 | 86435 | SH |  | SOLE |  | 24127 | 0 | 0 |
| Vanguard | TT WRLD ST ETF | 922042742 |  | 7281 | 51615 | SH |  | SOLE |  | 7281 | 0 | 0 |
| Vanguard | LARGE CAP ETF | 922908637 |  | 33967 | 107899 | SH |  | SOLE |  | 33967 | 0 | 0 |
| Vanguard | EXTEND MKT ETF | 922908652 |  | 2725 | 13031 | SH |  | SOLE |  | 2725 | 0 | 0 |
| N/A | COM | 037833100 |  | 8853 | 32566 | SH |  | SOLE |  | 8853 | 0 | 0 |
| iShares | S MC 400GR ETF | 464287606 |  | 469 | 4845 | SH |  | SOLE |  | 469 | 0 | 0 |
| iShares | RUS 1000 GRW ETF | 464287614 |  | 2707 | 5720 | SH |  | SOLE |  | 2707 | 0 | 0 |
| iShares | RUS 2000 GRW ETF | 464287648 |  | 774 | 2397 | SH |  | SOLE |  | 774 | 0 | 0 |
| iShares | S SML 600 GWT | 464287887 |  | 479 | 3393 | SH |  | SOLE |  | 479 | 0 | 0 |
| iShares | INTL TREA BD ETF | 464288117 |  | 2511 | 60265 | SH |  | SOLE |  | 2511 | 0 | 0 |
| iShares | ISHARES | 46428Q109 |  | 1247 | 19357 | SH |  | SOLE |  | 1247 | 0 | 0 |
| iShares | MSCI USA MIN VOL | 46429B697 |  | 295 | 3133 | SH |  | SOLE |  | 295 | 0 | 0 |
| iShares | 0-5 YR TIPS ETF | 46429B747 |  | 447636 | 4371869 | SH |  | SOLE |  | 447636 | 0 | 0 |
| iShares | CORE MSCI TOTAL | 46432F834 |  | 2323 | 27446 | SH |  | SOLE |  | 2323 | 0 | 0 |
| iShares | 0-5YR HI YL CP | 46434V407 |  | 35485 | 827737 | SH |  | SOLE |  | 35485 | 0 | 0 |
| Invesco | S EQL WGT | 46137V357 |  | 612 | 3194 | SH |  | SOLE |  | 612 | 0 | 0 |
| SPDR | DJ GLB RL ES ETF | 78463X749 |  | 258 | 5720 | SH |  | SOLE |  | 258 | 0 | 0 |
| SPDR | UTSER1 S | 78467Y107 |  | 442 | 732 | SH |  | SOLE |  | 442 | 0 | 0 |
| Health | STATE STREET HEA | 81369Y209 |  | 1231 | 7954 | SH |  | SOLE |  | 1231 | 0 | 0 |
| SPDR | STATE STREET TEC | 81369Y803 |  | 534 | 3711 | SH |  | SOLE |  | 534 | 0 | 0 |
| Vanguard | MEGA GRWTH IND | 921910816 |  | 1408 | 3410 | SH |  | SOLE |  | 1408 | 0 | 0 |
| Vanguard | SHRT TRM CORP BD | 92206C409 |  | 3928 | 49265 | SH |  | SOLE |  | 3928 | 0 | 0 |
| Vanguard | INTER TERM TREAS | 92206C706 |  | 3640 | 60745 | SH |  | SOLE |  | 3640 | 0 | 0 |
| Schwab | FUNDAMENTAL US L | 808524771 |  | 931 | 34212 | SH |  | SOLE |  | 931 | 0 | 0 |
| Schwab | FUNDAMENTAL US S | 808524763 |  | 1410 | 44736 | SH |  | SOLE |  | 1410 | 0 | 0 |
| Schwab | FUNDAMENTAL EMER | 808524730 |  | 1544 | 42814 | SH |  | SOLE |  | 1544 | 0 | 0 |
| N/A | CAP STK CL C | 02079K107 |  | 3438 | 10957 | SH |  | SOLE |  | 3438 | 0 | 0 |
| N/A | COM | 023135106 |  | 2838 | 12295 | SH |  | SOLE |  | 2838 | 0 | 0 |
| N/A | COM | 594918104 |  | 3926 | 8117 | SH |  | SOLE |  | 3926 | 0 | 0 |
| N/A | COM | 30231G102 |  | 413 | 3436 | SH |  | SOLE |  | 413 | 0 | 0 |
| N/A | COM | 254687106 |  | 350 | 3074 | SH |  | SOLE |  | 350 | 0 | 0 |
| N/A | COM | 459200101 |  | 222 | 748 | SH |  | SOLE |  | 222 | 0 | 0 |
| N/A | CL B NEW | 084670702 |  | 1047 | 2083 | SH |  | SOLE |  | 1047 | 0 | 0 |
| N/A | COM | 88160R101 |  | 1666 | 3704 | SH |  | SOLE |  | 1666 | 0 | 0 |
| Goldman Sachs | ACCES TREASURY | 381430529 |  | 585865 | 5862171 | SH |  | SOLE |  | 585865 | 0 | 0 |
| iShares | MSCI JAPAN ETF | 46434G822 |  | 5820 | 72085 | SH |  | SOLE |  | 5820 | 0 | 0 |
| iShares | RUS MID CAP ETF | 464287499 |  | 587 | 6098 | SH |  | SOLE |  | 587 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET IND | 81369Y704 |  | 309 | 1989 | SH |  | SOLE |  | 309 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET CON | 81369Y308 |  | 502 | 6468 | SH |  | SOLE |  | 502 | 0 | 0 |
| iShares | MSCI EURZONE ETF | 464286608 |  | 1669 | 26041 | SH |  | SOLE |  | 1669 | 0 | 0 |
| iShares | RUS MD CP GR ETF | 464287481 |  | 1576 | 11508 | SH |  | SOLE |  | 1576 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET UTI | 81369Y886 |  | 772 | 18087 | SH |  | SOLE |  | 772 | 0 | 0 |
| iShares | MSCI EAFE MIN VL | 46429B689 |  | 1543 | 17889 | SH |  | SOLE |  | 1543 | 0 | 0 |
| iShares | FLTG RATE NT ETF | 46429B655 |  | 7060 | 138822 | SH |  | SOLE |  | 7060 | 0 | 0 |
| iShares | S 100 ETF | 464287101 |  | 324 | 945 | SH |  | SOLE |  | 324 | 0 | 0 |
| iShares | MSCI USA QLT FCT | 46432F339 |  | 2891 | 14554 | SH |  | SOLE |  | 2891 | 0 | 0 |
| iShares | HDG MSCI EAFE | 46434V803 |  | 249 | 6019 | SH |  | SOLE |  | 249 | 0 | 0 |
| iShares | US TREAS BD ETF | 46429B267 |  | 700 | 30380 | SH |  | SOLE |  | 700 | 0 | 0 |
| iShares | U.S. TECH ETF | 464287721 |  | 319 | 1597 | SH |  | SOLE |  | 319 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78468R739 |  | 15605 | 325174 | SH |  | SOLE |  | 15605 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET DOU | 78467V848 |  | 249 | 6185 | SH |  | SOLE |  | 249 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78464A870 |  | 240 | 1967 | SH |  | SOLE |  | 240 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78464A474 |  | 631 | 20900 | SH |  | SOLE |  | 631 | 0 | 0 |
| ProShares | S 500 DV ARIST | 74348A467 |  | 326 | 3133 | SH |  | SOLE |  | 326 | 0 | 0 |
| WisdomTree | US MIDCAP DIVID | 97717W505 |  | 728 | 14115 | SH |  | SOLE |  | 728 | 0 | 0 |
| iShares | EAFE GRWTH ETF | 464288885 |  | 610 | 5353 | SH |  | SOLE |  | 610 | 0 | 0 |
| iShares | US AER DEF ETF | 464288760 |  | 281 | 1311 | SH |  | SOLE |  | 281 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET REA | 81369Y860 |  | 915 | 22684 | SH |  | SOLE |  | 915 | 0 | 0 |
| iShares | MSCI USA MMENTM | 46432F396 |  | 1740 | 6952 | SH |  | SOLE |  | 1740 | 0 | 0 |
| iShares | SHORT DURATION B | 46431W507 |  | 2284 | 44699 | SH |  | SOLE |  | 2284 | 0 | 0 |
| Vanguard | SHORT TERM TREAS | 92206C102 |  | 4920 | 83775 | SH |  | SOLE |  | 4920 | 0 | 0 |
| First Trust | SHS | 337345102 |  | 515 | 2236 | SH |  | SOLE |  | 515 | 0 | 0 |
| First Trust | SHS | 336917109 |  | 771 | 17388 | SH |  | SOLE |  | 771 | 0 | 0 |
| Vanguard | MEGA CAP VAL ETF | 921910840 |  | 303 | 2147 | SH |  | SOLE |  | 303 | 0 | 0 |
| Flexshares Trust | QUALT DIVD IDX | 33939L860 |  | 213 | 2630 | SH |  | SOLE |  | 213 | 0 | 0 |
| iShares | CORE MSCI EURO | 46434V738 |  | 14568 | 205241 | SH |  | SOLE |  | 14568 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET BLA | 78467V608 |  | 868 | 21041 | SH |  | SOLE |  | 868 | 0 | 0 |
| Vanguard | COMM SRVC ETF | 92204A884 |  | 214 | 1103 | SH |  | SOLE |  | 214 | 0 | 0 |
| Schwab ETFs | SHT TM US TRES | 808524862 |  | 204 | 8367 | SH |  | SOLE |  | 204 | 0 | 0 |
| iShares | SHRT NAT MUN ETF | 464288158 |  | 21278 | 199422 | SH |  | SOLE |  | 21278 | 0 | 0 |
| ProShares | ULTRAPRO QQQ | 74347X831 |  | 350 | 6638 | SH |  | SOLE |  | 350 | 0 | 0 |
| Vanguard | MEGA CAP INDEX | 921910873 |  | 528 | 2102 | SH |  | SOLE |  | 528 | 0 | 0 |
| iShares | CORE DIV GRWTH | 46434V621 |  | 501 | 7216 | SH |  | SOLE |  | 501 | 0 | 0 |
| WisdomTree | INTL SMCAP DIV | 97717W760 |  | 1250 | 15427 | SH |  | SOLE |  | 1250 | 0 | 0 |
| First Trust | SENIOR LN FD | 33738D309 |  | 370 | 8072 | SH |  | SOLE |  | 370 | 0 | 0 |
| SPDR State Street Global Advisors | MSCI ACWI EXUS | 78463X848 |  | 758 | 21113 | SH |  | SOLE |  | 758 | 0 | 0 |
| Invesco | S QUALITY | 46137V241 |  | 570 | 7592 | SH |  | SOLE |  | 570 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78464A649 |  | 549 | 21334 | SH |  | SOLE |  | 549 | 0 | 0 |
| iShares | EXPND TEC SC ETF | 464287549 |  | 294 | 2277 | SH |  | SOLE |  | 294 | 0 | 0 |
| ProShares | PSHS ULTRA QQQ | 74347R206 |  | 703 | 9988 | SH |  | SOLE |  | 703 | 0 | 0 |
| Invesco | RAFI DVLPD MRKTS | 46138E743 |  | 353 | 5384 | SH |  | SOLE |  | 353 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78464A300 |  | 824 | 9054 | SH |  | SOLE |  | 824 | 0 | 0 |
| Van Eck | MRNGSTR WDE MOAT | 92189F643 |  | 4970 | 47991 | SH |  | SOLE |  | 4970 | 0 | 0 |
| Vanguard | MIDCP 400 GRTH | 921932869 |  | 794 | 6609 | SH |  | SOLE |  | 794 | 0 | 0 |
| iShares | FUTURE EXPONENTI | 46434V381 |  | 6929 | 99355 | SH |  | SOLE |  | 6929 | 0 | 0 |
| iShares | CORE MSCI PAC | 46434V696 |  | 447 | 6112 | SH |  | SOLE |  | 447 | 0 | 0 |
| iShares | CORE UNIVRSL USD | 46434V613 |  | 7993 | 171750 | SH |  | SOLE |  | 7993 | 0 | 0 |
| iShares | ISHARES SEMICDTR | 464287523 |  | 242 | 803 | SH |  | SOLE |  | 242 | 0 | 0 |
| Schwab ETFs | INT-TRM U.S TRES | 808524854 |  | 1893 | 75483 | SH |  | SOLE |  | 1893 | 0 | 0 |
| Invesco | S 500 HB ETF | 46138E370 |  | 240 | 2053 | SH |  | SOLE |  | 240 | 0 | 0 |
| iShares | RUS TP200 GR ETF | 464289438 |  | 6054 | 21861 | SH |  | SOLE |  | 6054 | 0 | 0 |
| iShares | US CONSUM DISCRE | 464287580 |  | 232 | 2253 | SH |  | SOLE |  | 232 | 0 | 0 |
| SPDR State Street Global Advisors | PORTFOLIO DEVLPD | 78463X889 |  | 329287 | 7414696 | SH |  | SOLE |  | 329287 | 0 | 0 |
| iShares | ESG MSCI KLD 400 | 464288570 |  | 47466 | 368440 | SH |  | SOLE |  | 47466 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78464A409 |  | 4599 | 43102 | SH |  | SOLE |  | 4599 | 0 | 0 |
| Flexshares Trust | IBOXX 5YR TRGT | 33939L605 |  | 247 | 10304 | SH |  | SOLE |  | 247 | 0 | 0 |
| Fidelity Investments | MSCI INFO TECH I | 316092808 |  | 324 | 1442 | SH |  | SOLE |  | 324 | 0 | 0 |
| Van Eck | FALLEN ANGEL HG | 92189F437 |  | 3356 | 114256 | SH |  | SOLE |  | 3356 | 0 | 0 |
| First Trust | TECH ALPHADEX | 33734X176 |  | 255 | 1516 | SH |  | SOLE |  | 255 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78464A284 |  | 1001 | 40117 | SH |  | SOLE |  | 1001 | 0 | 0 |
| Direxion Funds | DRX S | 25459W862 |  | 358 | 1622 | SH |  | SOLE |  | 358 | 0 | 0 |
| iShares | ESG OPTIMIZED | 464288802 |  | 40089 | 287687 | SH |  | SOLE |  | 40089 | 0 | 0 |
| Van Eck | SEMICONDUCTR ETF | 92189F676 |  | 533 | 1480 | SH |  | SOLE |  | 533 | 0 | 0 |
| WisdomTree | US SMALLCAP FUND | 97717W562 |  | 499 | 8757 | SH |  | SOLE |  | 499 | 0 | 0 |
| Invesco | S INTL LOW | 46138E230 |  | 392 | 11554 | SH |  | SOLE |  | 392 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78464A805 |  | 3185 | 38602 | SH |  | SOLE |  | 3185 | 0 | 0 |
| iShares | U S EQUITY FACTR | 46434V282 |  | 1731 | 24937 | SH |  | SOLE |  | 1731 | 0 | 0 |
| iShares | LOW CARBON OPTIM | 46434V464 |  | 300550 | 1303736 | SH |  | SOLE |  | 300550 | 0 | 0 |
| iShares | GLOBAL REIT ETF | 46434V647 |  | 450 | 18033 | SH |  | SOLE |  | 450 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78464A508 |  | 132424 | 2331001 | SH |  | SOLE |  | 132424 | 0 | 0 |
| Fidelity Investments | MSCI INDL INDX | 316092709 |  | 322 | 3898 | SH |  | SOLE |  | 322 | 0 | 0 |
| SPDR State Street Global Advisors | PORTFOLIO EMG MK | 78463X509 |  | 82683 | 1766357 | SH |  | SOLE |  | 82683 | 0 | 0 |
| Vanguard | INTL HIGH ETF | 921946794 |  | 963 | 10696 | SH |  | SOLE |  | 963 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78468R747 |  | 5011 | 37944 | SH |  | SOLE |  | 5011 | 0 | 0 |
| First Trust | FST LOW OPPT EFT | 33739Q200 |  | 205 | 4103 | SH |  | SOLE |  | 205 | 0 | 0 |
| Vanguard | INTL DVD ETF | 921946810 |  | 11092 | 121286 | SH |  | SOLE |  | 11092 | 0 | 0 |
| PIMCO | INTER MUN BD ACT | 72201R866 |  | 393 | 7499 | SH |  | SOLE |  | 393 | 0 | 0 |
| Fidelity Investments | TOTAL BD ETF | 316188309 |  | 5373 | 116703 | SH |  | SOLE |  | 5373 | 0 | 0 |
| WisdomTree | EM LCL DEBT FD | 97717X867 |  | 219 | 7484 | SH |  | SOLE |  | 219 | 0 | 0 |
| Vanguard | SMLCP 600 VAL | 921932778 |  | 954 | 9762 | SH |  | SOLE |  | 954 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78468R853 |  | 878977 | 18757519 | SH |  | SOLE |  | 878977 | 0 | 0 |
| First Trust | RBA INDL ETF | 33738R704 |  | 470 | 4785 | SH |  | SOLE |  | 470 | 0 | 0 |
| iShares | MRGSTR MD CP GRW | 464288307 |  | 2161 | 27067 | SH |  | SOLE |  | 2161 | 0 | 0 |
| First Trust | NASDAQ CYB ETF | 33734X846 |  | 494 | 6918 | SH |  | SOLE |  | 494 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78464A847 |  | 1224864 | 21151161 | SH |  | SOLE |  | 1224864 | 0 | 0 |
| Invesco | CALIF AMT MUN | 46138E206 |  | 343 | 14204 | SH |  | SOLE |  | 343 | 0 | 0 |
| iShares | GNMA BOND ETF | 46429B333 |  | 403 | 9039 | SH |  | SOLE |  | 403 | 0 | 0 |
| Global X Funds | LITHIUM BTRY ETF | 37954Y855 |  | 314 | 4840 | SH |  | SOLE |  | 314 | 0 | 0 |
| John Hancock | MULTIFACTOR MI | 47804J206 |  | 1619 | 24731 | SH |  | SOLE |  | 1619 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78468R101 |  | 797 | 27229 | SH |  | SOLE |  | 797 | 0 | 0 |
| Invesco | DORSEY WRGT TECH | 46137V811 |  | 433 | 5658 | SH |  | SOLE |  | 433 | 0 | 0 |
| SPDR State Street Global Advisors | MSCI ACWI CLMTE | 78463X194 |  | 328 | 7649 | SH |  | SOLE |  | 328 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78464A854 |  | 6705256 | 83585842 | SH |  | SOLE |  | 6705256 | 0 | 0 |
| WisdomTree | US LARGECAP FUND | 97717W588 |  | 3417 | 48226 | SH |  | SOLE |  | 3417 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78468R796 |  | 109013 | 1940078 | SH |  | SOLE |  | 109013 | 0 | 0 |
| SPDR State Street Global Advisors | S GBLINF ETF | 78463X855 |  | 216 | 3103 | SH |  | SOLE |  | 216 | 0 | 0 |
| WisdomTree | YIELD ENHANCD US | 97717X511 |  | 1685 | 38249 | SH |  | SOLE |  | 1685 | 0 | 0 |
| iShares | ULTRA SHORT DUR | 46434V878 |  | 352 | 6967 | SH |  | SOLE |  | 352 | 0 | 0 |
| First Trust | RISNG DIVD ACHIV | 33738R506 |  | 3616 | 52054 | SH |  | SOLE |  | 3616 | 0 | 0 |
| SPDR State Street Global Advisors | MSCI EAFE STRTGC | 78463X434 |  | 2065 | 22780 | SH |  | SOLE |  | 2065 | 0 | 0 |
| iShares | ESG AW MSCI EAFE | 46435G516 |  | 375321 | 3947005 | SH |  | SOLE |  | 375321 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET MUL | 78467V103 |  | 577 | 18340 | SH |  | SOLE |  | 577 | 0 | 0 |
| iShares | A RATE CP BD ETF | 46429B291 |  | 16561 | 344382 | SH |  | SOLE |  | 16561 | 0 | 0 |
| SPDR State Street Global Advisors | PORTFLI MSCI GBL | 78463X475 |  | 781 | 10178 | SH |  | SOLE |  | 781 | 0 | 0 |
| Van Eck | IG FLOATING RATE | 92189F486 |  | 856 | 33579 | SH |  | SOLE |  | 856 | 0 | 0 |
| First Trust | HIGH INCM STRGC | 33739Q309 |  | 2203 | 48680 | SH |  | SOLE |  | 2203 | 0 | 0 |
| iShares | CRE U S REIT ETF | 464288521 |  | 404 | 7097 | SH |  | SOLE |  | 404 | 0 | 0 |
| Invesco | S MDCP VLU MNT | 46137V456 |  | 408 | 6360 | SH |  | SOLE |  | 408 | 0 | 0 |
| Invesco | S SMLCP STAP | 46138E172 |  | 545 | 17532 | SH |  | SOLE |  | 545 | 0 | 0 |
| First Trust Exchange-Traded Fund VIII | SMITH OPPORT FXD | 33740F805 |  | 3175 | 71637 | SH |  | SOLE |  | 3175 | 0 | 0 |
| iShares | INT RT HDG C B | 46431W705 |  | 2097 | 22460 | SH |  | SOLE |  | 2097 | 0 | 0 |
| Invesco | VAR RATE INVT | 46090A879 |  | 1263 | 50338 | SH |  | SOLE |  | 1263 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78468R606 |  | 304 | 12843 | SH |  | SOLE |  | 304 | 0 | 0 |
| iShares | ESG AWR MSCI EM | 46434G863 |  | 143743 | 3254323 | SH |  | SOLE |  | 143743 | 0 | 0 |
| Janus | HENDRSN SHRT ETF | 47103U886 |  | 4619 | 93994 | SH |  | SOLE |  | 4619 | 0 | 0 |
| Fidelity Investments | HIGH DIVID ETF | 316092840 |  | 522 | 9209 | SH |  | SOLE |  | 522 | 0 | 0 |
| iShares | SHORT MATURITY M | 46431W838 |  | 6729 | 133731 | SH |  | SOLE |  | 6729 | 0 | 0 |
| Invesco | S 100 EQL WIGH | 46137V449 |  | 520 | 4401 | SH |  | SOLE |  | 520 | 0 | 0 |
| Goldman Sachs | ACTIVEBETA JAP | 381430404 |  | 49836 | 1069668 | SH |  | SOLE |  | 49836 | 0 | 0 |
| SPDR State Street Global Advisors | STATE STREET SPD | 78464A144 |  | 263 | 8955 | SH |  | SOLE |  | 263 | 0 | 0 |
| SPDR State Street Global Advisors | MSCI EAFE FS ETF | 78470E106 |  | 72452 | 1435553 | SH |  | SOLE |  | 72452 | 0 | 0 |
| Goldman Sachs | ACTIVEBETA EUR | 381430305 |  | 90020 | 1970229 | SH |  | SOLE |  | 90020 | 0 | 0 |
| iShares | CORE MSCI INTL | 46435G326 |  | 1106 | 13407 | SH |  | SOLE |  | 1106 | 0 | 0 |
| Invesco | S SMLCP MOMENT | 46137V498 |  | 1178 | 16363 | SH |  | SOLE |  | 1178 | 0 | 0 |
| Invesco | TOTAL RETURN | 46090A804 |  | 523 | 11022 | SH |  | SOLE |  | 523 | 0 | 0 |
| iShares | IBONDS DEC2026 | 46435GAA0 |  | 238 | 9814 | SH |  | SOLE |  | 238 | 0 | 0 |
| iShares | MSCI INTL QUALTY | 46434V456 |  | 2041 | 44908 | SH |  | SOLE |  | 2041 | 0 | 0 |
| iShares | MSCI INTL MOMENT | 46434V449 |  | 3116 | 64964 | SH |  | SOLE |  | 3116 | 0 | 0 |
| Ark ETF Trust | NEXT GNRTN INTER | 00214Q401 |  | 989 | 6695 | SH |  | SOLE |  | 989 | 0 | 0 |
| Fidelity Investments | LOW VOLITY ETF | 316092824 |  | 471 | 7060 | SH |  | SOLE |  | 471 | 0 | 0 |
| iShares | TRS FLT RT BD | 46434V860 |  | 19737 | 391135 | SH |  | SOLE |  | 19737 | 0 | 0 |
| Ark ETF Trust | INNOVATION ETF | 00214Q104 |  | 420 | 5459 | SH |  | SOLE |  | 420 | 0 | 0 |
| ProShares | PRIV EQTY-LSTD | 74348A533 |  | 201 | 8153 | SH |  | SOLE |  | 201 | 0 | 0 |
| Nuveen | NUVEEN ESG SMLCP | 67092P607 |  | 943 | 21127 | SH |  | SOLE |  | 943 | 0 | 0 |
| Pacer | US CASH COWS 100 | 69374H881 |  | 3225 | 53594 | SH |  | SOLE |  | 3225 | 0 | 0 |
| Franklin Templeton Investments | INTL COR DIV TIL | 35473P108 |  | 640 | 16467 | SH |  | SOLE |  | 640 | 0 | 0 |
| iShares | ESG AWR MSCI USA | 46435G425 |  | 584686 | 3924596 | SH |  | SOLE |  | 584686 | 0 | 0 |
| Nuveen | NUVEEN ESG MIDVL | 67092P508 |  | 437 | 11172 | SH |  | SOLE |  | 437 | 0 | 0 |
| Nuveen | NUVEEN ESG LRGVL | 67092P300 |  | 218 | 4834 | SH |  | SOLE |  | 218 | 0 | 0 |
| SPDR State Street Global Advisors | MSCI EMR MKT ETF | 78470E205 |  | 25727 | 603347 | SH |  | SOLE |  | 25727 | 0 | 0 |
| WisdomTree | US HGH YLD CORP | 97717X172 |  | 232 | 5002 | SH |  | SOLE |  | 232 | 0 | 0 |
| Van Eck | GREEN BOND ETF | 92189F171 |  | 2924 | 120117 | SH |  | SOLE |  | 2924 | 0 | 0 |
| Deutsche Asset Management | XTRACK INTL REAL | 233051846 |  | 515 | 22192 | SH |  | SOLE |  | 515 | 0 | 0 |
| Invesco | S INTL MOMNT | 46138E222 |  | 1595 | 28710 | SH |  | SOLE |  | 1595 | 0 | 0 |
| WisdomTree | EM EX ST-OWNED | 97717X578 |  | 7320 | 187586 | SH |  | SOLE |  | 7320 | 0 | 0 |
| Invesco | S 500 MOMNTM | 46138E339 |  | 4158 | 34851 | SH |  | SOLE |  | 4158 | 0 | 0 |
| ProShares | SP500 EX TECH | 74347B557 |  | 230 | 2212 | SH |  | SOLE |  | 230 | 0 | 0 |
| Goldman Sachs | ACTIVEBETA US | 381430602 |  | 59927 | 792373 | SH |  | SOLE |  | 59927 | 0 | 0 |
| Goldman Sachs | ACCESS INVT GR | 381430479 |  | 29536 | 638620 | SH |  | SOLE |  | 29536 | 0 | 0 |
| Goldman Sachs | ACCESS HIG YLD | 381430453 |  | 1093 | 24113 | SH |  | SOLE |  | 1093 | 0 | 0 |
| XTRACKERS | XTRACK USD HIGH | 233051432 |  | 12011 | 326123 | SH |  | SOLE |  | 12011 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 539 | 5750 | SH |  | SOLE |  | 539 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 843 | 1277 | SH |  | SOLE |  | 843 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3627 | 19449 | SH |  | SOLE |  | 3627 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 748 | 2322 | SH |  | SOLE |  | 748 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 440 | 2055 | SH |  | SOLE |  | 440 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 395 | 1727 | SH |  | SOLE |  | 395 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 551 | 1600 | SH |  | SOLE |  | 551 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 914 | 8201 | SH |  | SOLE |  | 914 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 803 | 2321 | SH |  | SOLE |  | 803 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 423 | 2045 | SH |  | SOLE |  | 423 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 1179 | 6049 | SH |  | SOLE |  | 1179 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 518 | 3612 | SH |  | SOLE |  | 518 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 538 | 612 | SH |  | SOLE |  | 538 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 552 | 967 | SH |  | SOLE |  | 552 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 318 | 1858 | SH |  | SOLE |  | 318 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 221 | 386 | SH |  | SOLE |  | 221 | 0 | 0 |
| TEXAS INSTRS INC | COM | 882508104 |  | 677 | 3904 | SH |  | SOLE |  | 677 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1539 | 1785 | SH |  | SOLE |  | 1539 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 353 | 729 | SH |  | SOLE |  | 353 | 0 | 0 |
| TJX COS INC NEW | COM | 872540109 |  | 451 | 2938 | SH |  | SOLE |  | 451 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 293 | 793 | SH |  | SOLE |  | 293 | 0 | 0 |
| INTUIT | COM | 461202103 |  | 519 | 784 | SH |  | SOLE |  | 519 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 300 | 2398 | SH |  | SOLE |  | 300 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 457 | 425 | SH |  | SOLE |  | 457 | 0 | 0 |
| AUTOZONE INC | COM | 053332102 |  | 516 | 152 | SH |  | SOLE |  | 516 | 0 | 0 |
| ROSS STORES INC | COM | 778296103 |  | 345 | 1914 | SH |  | SOLE |  | 345 | 0 | 0 |
| WILLIAMS COS INC | COM | 969457100 |  | 286 | 4766 | SH |  | SOLE |  | 286 | 0 | 0 |
| PROGRESSIVE CORP | COM | 743315103 |  | 232 | 1017 | SH |  | SOLE |  | 232 | 0 | 0 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 324 | 3550 | SH |  | SOLE |  | 324 | 0 | 0 |
| CUMMINS INC | COM | 231021106 |  | 334 | 655 | SH |  | SOLE |  | 334 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2296 | 7337 | SH |  | SOLE |  | 2296 | 0 | 0 |
| ISHARES | BROAD USD HIGH | 46435U853 |  | 67140 | 1795176 | SH |  | SOLE |  | 67140 | 0 | 0 |
| AMPLIFY ETF TR | BLOCKCHAIN TECHN | 032108607 |  | 228 | 4000 | SH |  | SOLE |  | 228 | 0 | 0 |
| VANGUARD WELLINGTON FD | US MOMENTUM | 921935508 |  | 3975 | 20783 | SH |  | SOLE |  | 3975 | 0 | 0 |
| GraniteShares | BBG COMMD K 1 | 38747R108 |  | 13945 | 660590 | SH |  | SOLE |  | 13945 | 0 | 0 |
| SPDR State Street Global Advisors | SPDR GLD MINIS | 98149E303 |  | 780 | 9133 | SH |  | SOLE |  | 780 | 0 | 0 |
| JP Morgan | ULTRA SHRT ETF | 46641Q837 |  | 666832 | 13181100 | SH |  | SOLE |  | 666832 | 0 | 0 |
| WABTEC | COM | 929740108 |  | 216 | 1012 | SH |  | SOLE |  | 216 | 0 | 0 |
| Goldman Sachs | ACCESS INFLATI | 381430362 |  | 37189 | 756947 | SH |  | SOLE |  | 37189 | 0 | 0 |
| Vanguard Total World Bond ETF | TOTAL WLD BD ETF | 92206C565 |  | 24844 | 361416 | SH |  | SOLE |  | 24844 | 0 | 0 |
| iShares | ESG AWR US AGRGT | 46435U549 |  | 78872 | 1648321 | SH |  | SOLE |  | 78872 | 0 | 0 |
| AVANTIS INTL | INTL SMCP VLU | 025072802 |  | 8612 | 91646 | SH |  | SOLE |  | 8612 | 0 | 0 |
| Avantis | US SML CP VALU | 025072877 |  | 17883 | 175362 | SH |  | SOLE |  | 17883 | 0 | 0 |
| SCHWAB | 1 5YR CORP BD | 808524714 |  | 541 | 21739 | SH |  | SOLE |  | 541 | 0 | 0 |
| Goldman Sachs | ACCESS US AGRAT | 38149W101 |  | 42528 | 1024281 | SH |  | SOLE |  | 42528 | 0 | 0 |
| Impact Shares | NAACP MINO ETF | 45259A209 |  | 632 | 12831 | SH |  | SOLE |  | 632 | 0 | 0 |
| iShares | USD GRN BOND ETF | 46435U440 |  | 64507 | 1345583 | SH |  | SOLE |  | 64507 | 0 | 0 |
| Dimensional Fund Advisors | INTL CORE EQT MK | 25434V203 |  | 30932 | 811656 | SH |  | SOLE |  | 30932 | 0 | 0 |
| Dimensional Fund Advisors | EMGR CRE EQT MNG | 25434V302 |  | 10485 | 321935 | SH |  | SOLE |  | 10485 | 0 | 0 |
| Dimensional Fund Advisors | US CORE EQT MKT | 25434V104 |  | 28300 | 604692 | SH |  | SOLE |  | 28300 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED | US QUALTY FCTR | 46641Q761 |  | 613 | 9709 | SH |  | SOLE |  | 613 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | TOTAL CORP BND | 92206C573 |  | 460 | 5922 | SH |  | SOLE |  | 460 | 0 | 0 |
| Cambria Funds | GBL REAL EST ETF | 132061813 |  | 697 | 28505 | SH |  | SOLE |  | 697 | 0 | 0 |
| DBX ETF TR | XTRACKERS MSCI | 233051150 |  | 898 | 14137 | SH |  | SOLE |  | 898 | 0 | 0 |
| ISHARES | ESG AWRE USD ETF | 46435G193 |  | 37458 | 1602126 | SH |  | SOLE |  | 37458 | 0 | 0 |
| iShares | ESG ADVANCED UNI | 46436E619 |  | 2073 | 47201 | SH |  | SOLE |  | 2073 | 0 | 0 |
| iShares | ESG AWRE 1 5 YR | 46435G243 |  | 339 | 13447 | SH |  | SOLE |  | 339 | 0 | 0 |
| iShares | ESG EAFE ETF | 46436E759 |  | 668 | 8889 | SH |  | SOLE |  | 668 | 0 | 0 |
| Vanguard | ESG INTL STK ETF | 921910725 |  | 1525 | 21294 | SH |  | SOLE |  | 1525 | 0 | 0 |
| iShares | ESG MSCI USA ETF | 46436E767 |  | 376 | 6537 | SH |  | SOLE |  | 376 | 0 | 0 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 655 | 10300 | SH |  | SOLE |  | 655 | 0 | 0 |
| BlackRock Fund Advisors | ESG AWARE MSCI | 46435U663 |  | 82002 | 1783423 | SH |  | SOLE |  | 82002 | 0 | 0 |
| VANGUARD | ESG US STK ETF | 921910733 |  | 64554 | 533681 | SH |  | SOLE |  | 64554 | 0 | 0 |
| INVESCO EXCH TRADED FD TR | NASDAQ 100 ETF | 46138G649 |  | 44028 | 174080 | SH |  | SOLE |  | 44028 | 0 | 0 |
| State Street Global Advisors Inc | STATE STREET SPD | 78468R648 |  | 89349 | 1495878 | SH |  | SOLE |  | 89349 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD | S MDCP QUALITY | 46137V472 |  | 319 | 3111 | SH |  | SOLE |  | 319 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ULTRA SHORT BOND | 381430230 |  | 5454 | 108056 | SH |  | SOLE |  | 5454 | 0 | 0 |
| Dimensional | US SMALL CAP ETF | 25434V500 |  | 837 | 12010 | SH |  | SOLE |  | 837 | 0 | 0 |
| Dimensional | US TARGETED VLU | 25434V609 |  | 21276 | 357340 | SH |  | SOLE |  | 21276 | 0 | 0 |
| Dimensional | US EQUITY MARKET | 25434V401 |  | 14055 | 189498 | SH |  | SOLE |  | 14055 | 0 | 0 |
| Dimensional | US CORE EQUITY 2 | 25434V708 |  | 129514 | 3271394 | SH |  | SOLE |  | 129514 | 0 | 0 |
| ABRDN PLATINUM ETF TRUST | PHYSCL PLATM SHS | 003260106 |  | 413 | 2214 | SH |  | SOLE |  | 413 | 0 | 0 |
| PGIM ETF TR | PGIM ULTRA SH BD | 69344A107 |  | 1779 | 35881 | SH |  | SOLE |  | 1779 | 0 | 0 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 7842 | 70160 | SH |  | SOLE |  | 7842 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED | EQUITY PREMIUM | 46641Q332 |  | 1841 | 32163 | SH |  | SOLE |  | 1841 | 0 | 0 |
| ABRDN SILVER ETF TRUST | PHYSCL SILVR SHS | 003264108 |  | 729 | 10771 | SH |  | SOLE |  | 729 | 0 | 0 |
| VICTORY PORTFOLIOS II | CORE INTERMEDIAT | 92647N527 |  | 299 | 6312 | SH |  | SOLE |  | 299 | 0 | 0 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 1814 | 22041 | SH |  | SOLE |  | 1814 | 0 | 0 |
| Western Asset Management Co | 0-3 MNTH TREASRY | 46436E718 |  | 15367 | 153084 | SH |  | SOLE |  | 15367 | 0 | 0 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 2145 | 27850 | SH |  | SOLE |  | 2145 | 0 | 0 |
| ETF SER SOLUTIONS | APTUS DEFINED | 26922A388 |  | 756 | 26546 | SH |  | SOLE |  | 756 | 0 | 0 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 1072 | 14755 | SH |  | SOLE |  | 1072 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED | BETABUILDRS US | 46641Q399 |  | 223 | 1806 | SH |  | SOLE |  | 223 | 0 | 0 |
| ABRDN PALLADIUM ETF TRUST | PHYSICAL PALLADM | 003262102 |  | 340 | 2338 | SH |  | SOLE |  | 340 | 0 | 0 |
| ISHARES TR | IBONDS 27 ETF | 46435UAA9 |  | 248 | 10204 | SH |  | SOLE |  | 248 | 0 | 0 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 2857 | 57314 | SH |  | SOLE |  | 2857 | 0 | 0 |
| FIRST TR EXCHNG TRADED FD | SMITH UNCONSTRAI | 33740F888 |  | 665 | 26414 | SH |  | SOLE |  | 665 | 0 | 0 |
| BNY MELLON ETF TRUST | US LRG CP CORE | 09661T107 |  | 582 | 4449 | SH |  | SOLE |  | 582 | 0 | 0 |
| VICTORY PORTFOLIOS II | SHORT TRM BD ETF | 92647N535 |  | 428 | 8420 | SH |  | SOLE |  | 428 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED | INTL BD OPP ETF | 46641Q852 |  | 311 | 6395 | SH |  | SOLE |  | 311 | 0 | 0 |
| GOLDMAN SACHS ETF TR | JUST US LRG CP | 381430396 |  | 24395 | 252278 | SH |  | SOLE |  | 24395 | 0 | 0 |
| NORTHERN LTS FD TR IV | INSPIRE 100 ETF | 66538H534 |  | 243 | 5387 | SH |  | SOLE |  | 243 | 0 | 0 |
| GLOBAL X FDS | ARTIFICIAL ETF | 37954Y632 |  | 477 | 9376 | SH |  | SOLE |  | 477 | 0 | 0 |
| ETF SER SOLUTIONS | APTUS COLLRD INV | 26922A222 |  | 1252 | 28639 | SH |  | SOLE |  | 1252 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C417 |  | 297 | 7302 | SH |  | SOLE |  | 297 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED | CORE PLUS BD ETF | 46641Q670 |  | 5097 | 107641 | SH |  | SOLE |  | 5097 | 0 | 0 |
| ISHARES TR | INVESTMENT GRADE | 46435G219 |  | 65569 | 1436034 | SH |  | SOLE |  | 65569 | 0 | 0 |
| ISHARES TR | HIGH YLD SYSTM B | 46435G250 |  | 16328 | 344845 | SH |  | SOLE |  | 16328 | 0 | 0 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 998 | 19740 | SH |  | SOLE |  | 998 | 0 | 0 |
| ETF SER SOLUTIONS | OPUS SML CP VL | 26922A446 |  | 377 | 10176 | SH |  | SOLE |  | 377 | 0 | 0 |
| NORTHERN LTS FD TR | INSPIRE INTL ETF | 66538H419 |  | 225 | 6175 | SH |  | SOLE |  | 225 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG EMRGN | 67092P888 |  | 206 | 5784 | SH |  | SOLE |  | 206 | 0 | 0 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 3048 | 50131 | SH |  | SOLE |  | 3048 | 0 | 0 |
| TIMOTHY PLAN | INTL ETF | 887432334 |  | 565 | 16293 | SH |  | SOLE |  | 565 | 0 | 0 |
| ISHARES TR | ESG SELECT SCRE | 46436E569 |  | 472 | 8960 | SH |  | SOLE |  | 472 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED | SMID RISNG ETF | 33741X102 |  | 1823 | 47583 | SH |  | SOLE |  | 1823 | 0 | 0 |
| TIDAL TRUST I | ADASINA SOCIAL | 886364876 |  | 361 | 17790 | SH |  | SOLE |  | 361 | 0 | 0 |
| TIMOTHY PLAN | U S SM CP CORE | 887432342 |  | 479 | 11554 | SH |  | SOLE |  | 479 | 0 | 0 |
| Engine No. 1 | TRANSFRM 500 ETF | 29287L106 |  | 126153 | 1572590 | SH |  | SOLE |  | 126153 | 0 | 0 |
| Dimensional Fund Advisors LP | INTERNATNAL VAL | 25434V807 |  | 4866 | 97520 | SH |  | SOLE |  | 4866 | 0 | 0 |
| Dimensional Fund Advisors LP | WORLD EX US CORE | 25434V880 |  | 12176 | 372014 | SH |  | SOLE |  | 12176 | 0 | 0 |
| Ridgeline Research LLC | AMERICAN CONSER | 26923N108 |  | 307 | 6212 | SH |  | SOLE |  | 307 | 0 | 0 |
| DBX Advisors LLC | XTRACKERS MSCI | 233051218 |  | 451 | 12829 | SH |  | SOLE |  | 451 | 0 | 0 |
| Dimensional Fund Advisors LP | CORE FIXED INCOM | 25434V872 |  | 50199 | 1179477 | SH |  | SOLE |  | 50199 | 0 | 0 |
| Dimensional Fund Advisors LP | SHORT DURATION F | 25434V864 |  | 10476 | 218483 | SH |  | SOLE |  | 10476 | 0 | 0 |
| Dimensional Fund Advisors LP | NATL MUN BD ETF | 25434V849 |  | 1281 | 26585 | SH |  | SOLE |  | 1281 | 0 | 0 |
| Dimensional Fund Advisors LP | INFLATION PROTE | 25434V856 |  | 232 | 5584 | SH |  | SOLE |  | 232 | 0 | 0 |
| American Century Investment Management Inc | EMERGING MKT VAL | 025072372 |  | 493 | 8462 | SH |  | SOLE |  | 493 | 0 | 0 |
| American Century Investment Management Inc | AVANTIS CORE FI | 025072562 |  | 749 | 17866 | SH |  | SOLE |  | 749 | 0 | 0 |
| American Century Investment Management Inc | INTERNATIONAL LR | 025072364 |  | 358 | 5027 | SH |  | SOLE |  | 358 | 0 | 0 |
| American Century Investment Management Inc | US LARGE CAP VLU | 025072349 |  | 1098 | 14490 | SH |  | SOLE |  | 1098 | 0 | 0 |
| Dimensional Fund Advisors LP | US HIGH PROFITAB | 25434V831 |  | 8040 | 211408 | SH |  | SOLE |  | 8040 | 0 | 0 |
| Dimensional Fund Advisors LP | US REAL ESTATE E | 25434V823 |  | 8117 | 354442 | SH |  | SOLE |  | 8117 | 0 | 0 |
| Dimensional Fund Advisors LP | INTL SMALL CAP E | 25434V773 |  | 3029 | 91951 | SH |  | SOLE |  | 3029 | 0 | 0 |
| Dimensional Fund Advisors LP | INTL SMALL CAP V | 25434V781 |  | 13744 | 361688 | SH |  | SOLE |  | 13744 | 0 | 0 |
| Dimensional Fund Advisors LP | INTL HIGH PROFIT | 25434V765 |  | 1791 | 56550 | SH |  | SOLE |  | 1791 | 0 | 0 |
| Dimensional Fund Advisors LP | INTL CORE EQUITY | 25434V799 |  | 53880 | 1563546 | SH |  | SOLE |  | 53880 | 0 | 0 |
| Dimensional Fund Advisors LP | US MKTWIDE VALUE | 25434V724 |  | 750 | 16094 | SH |  | SOLE |  | 750 | 0 | 0 |
| Dimensional Fund Advisors LP | EMERGING MKTS CO | 25434V732 |  | 29434 | 889780 | SH |  | SOLE |  | 29434 | 0 | 0 |
| Dimensional Fund Advisors LP | EMERGING MKTS VA | 25434V740 |  | 7584 | 224775 | SH |  | SOLE |  | 7584 | 0 | 0 |
| Dimensional Fund Advisors LP | EMERGING MKTS HI | 25434V757 |  | 1878 | 58233 | SH |  | SOLE |  | 1878 | 0 | 0 |
| State Street Global Advisors Inc | STATE STREET SPD | 78468R523 |  | 521 | 5252 | SH |  | SOLE |  | 521 | 0 | 0 |
| Goldman Sachs Asset Management LP | ACCESS EMNG MKTS | 381430388 |  | 25531 | 601446 | SH |  | SOLE |  | 25531 | 0 | 0 |
| Dimensional Fund Advisors LP | US SMALL CAP VAL | 25434V815 |  | 14307 | 435005 | SH |  | SOLE |  | 14307 | 0 | 0 |
| Capital Research and Management Co | SHS CREATION UNI | 14020G101 |  | 459 | 10330 | SH |  | SOLE |  | 459 | 0 | 0 |
| JP Morgan Investment Management Inc | INCOME ETF | 46641Q159 |  | 560 | 12089 | SH |  | SOLE |  | 560 | 0 | 0 |
| Simplify Asset Management Inc | HEDGED EQUITY | 82889N764 |  | 299 | 9316 | SH |  | SOLE |  | 299 | 0 | 0 |
| Innovator Capital Management LLC | DEFINED WLT SHLD | 45783Y855 |  | 676 | 20160 | SH |  | SOLE |  | 676 | 0 | 0 |
| Capital Research and Management Co | SHS CREATION UNI | 14020W106 |  | 4616 | 105785 | SH |  | SOLE |  | 4616 | 0 | 0 |
| Dimensional Fund Advisors LP | US SUSTAINABILTY | 25434V716 |  | 10993 | 253119 | SH |  | SOLE |  | 10993 | 0 | 0 |
| Dimensional Fund Advisors LP | INTERNATIONAL | 25434V690 |  | 4866 | 113552 | SH |  | SOLE |  | 4866 | 0 | 0 |
| Dimensional Fund Advisors LP | EMERGING MARKETS | 25434V682 |  | 1239 | 29875 | SH |  | SOLE |  | 1239 | 0 | 0 |
| Dimensional Fund Advisors LP | GLOBAL SUSTAINA | 25434V674 |  | 2858 | 55176 | SH |  | SOLE |  | 2858 | 0 | 0 |
| Neos Investment Management LLC | NEOS S 500 HI | 78433H303 |  | 238 | 4537 | SH |  | SOLE |  | 238 | 0 | 0 |
| Palantir Technologies Inc | CL A | 69608A108 |  | 491 | 2764 | SH |  | SOLE |  | 491 | 0 | 0 |
| Dimensional Fund Advisors LP | GLOBAL REAL EST | 25434V658 |  | 3722 | 140863 | SH |  | SOLE |  | 3722 | 0 | 0 |
| F/m Investments LLC | US TREAS 3 MNTH | 74933W452 |  | 2363 | 47364 | SH |  | SOLE |  | 2363 | 0 | 0 |
| Empowered Funds LLC | STRIVE EMERGING | 02072L698 |  | 307 | 8545 | SH |  | SOLE |  | 307 | 0 | 0 |
| Empowered Funds LLC | STRIVE 500 ETF | 02072L680 |  | 2742 | 62195 | SH |  | SOLE |  | 2742 | 0 | 0 |
| Dimensional Fund Advisors LP | US LARGE CAP VAL | 25434V666 |  | 25339 | 740678 | SH |  | SOLE |  | 25339 | 0 | 0 |
| BlackRock Fund Advisors | SHARES REPRESENT | 46436F103 |  | 227 | 5282 | SH |  | SOLE |  | 227 | 0 | 0 |
| Arch Capital Group Ltd | ORD | G0450A105 |  | 417 | 4352 | SH |  | SOLE |  | 417 | 0 | 0 |
| Janus Henderson Investors US | B-BBB CLO ETF | 47103U753 |  | 293 | 6139 | SH |  | SOLE |  | 293 | 0 | 0 |
| Summit Global Investments LLC | SGI US LARGE CAP | 74933W593 |  | 2557 | 66623 | SH |  | SOLE |  | 2557 | 0 | 0 |
| Summit Global Investments LLC | SGI DIVERSI TAC | 74933W577 |  | 921 | 31558 | SH |  | SOLE |  | 921 | 0 | 0 |
| Simplify Asset Management Inc | MANAGED FUTURES | 82889N699 |  | 565 | 20722 | SH |  | SOLE |  | 565 | 0 | 0 |
| Morgan Stanley Investment Management Inc | CALVERT ULT SHR | 61774R601 |  | 1567 | 30885 | SH |  | SOLE |  | 1567 | 0 | 0 |
| American Century Investment Management Inc | AVANTIS ALL EQT | 025072232 |  | 2483 | 28905 | SH |  | SOLE |  | 2483 | 0 | 0 |
| JP Morgan Investment Management Inc/Singapore | NASDAQ EQT PREM | 46654Q203 |  | 939 | 16160 | SH |  | SOLE |  | 939 | 0 | 0 |
| Capital Research and Management Co | MUNICIPAL INCOME | 14020Y201 |  | 775 | 28313 | SH |  | SOLE |  | 775 | 0 | 0 |
| Capital Research and Management Co | US MULTI-SECTOR | 14020Y300 |  | 8721 | 315747 | SH |  | SOLE |  | 8721 | 0 | 0 |
| BlackRock Fund Advisors | ISHARES FLEXIBLE | 092528603 |  | 29632 | 561524 | SH |  | SOLE |  | 29632 | 0 | 0 |
| Toroso Investments LLC/United States | RTN STACKED BD | 88636J105 |  | 443 | 24695 | SH |  | SOLE |  | 443 | 0 | 0 |
| Capital Research and Management Co | SHS ETF | 14021L109 |  | 2983 | 83711 | SH |  | SOLE |  | 2983 | 0 | 0 |
| Capital Research and Management Co | SHORT DURATION M | 14020Y607 |  | 2476 | 94005 | SH |  | SOLE |  | 2476 | 0 | 0 |
| EA Series Trust | STRIVE NATURAL | 02072L557 |  | 266 | 6536 | SH |  | SOLE |  | 266 | 0 | 0 |
| Fidelity Management  Research Co | ENHANCED LARGE | 316092113 |  | 2245 | 58807 | SH |  | SOLE |  | 2245 | 0 | 0 |
| Fidelity Management  Research Co | ENHANCED INTL | 31609A404 |  | 975 | 26652 | SH |  | SOLE |  | 975 | 0 | 0 |
| Fidelity Management  Research Co | ENHANCED MID | 31609A503 |  | 532 | 14612 | SH |  | SOLE |  | 532 | 0 | 0 |
| Clockwise Capital LLC | CLOCKWISE US COR | 88636J329 |  | 202 | 8140 | SH |  | SOLE |  | 202 | 0 | 0 |
| Dimensional Fund Advisors LP | WORLD EQUITY ETF | 25434V617 |  | 1319 | 17824 | SH |  | SOLE |  | 1319 | 0 | 0 |
| Goldman Sachs Asset Management LP | S 500 PREMIUM | 38149W622 |  | 273 | 5169 | SH |  | SOLE |  | 273 | 0 | 0 |
| Dimensional Fund Advisors LP | US CORE EQUITY 1 | 25434V625 |  | 25209 | 342376 | SH |  | SOLE |  | 25209 | 0 | 0 |
| Dimensional Fund Advisors LP | ULTRASHORT FIXED | 25434V591 |  | 4710 | 92985 | SH |  | SOLE |  | 4710 | 0 | 0 |
| Dimensional Fund Advisors LP | GLOBAL EX US COR | 25434V575 |  | 4904 | 93159 | SH |  | SOLE |  | 4904 | 0 | 0 |
| Dimensional Fund Advisors LP | GLOBAL CR ETF | 25434V567 |  | 8894 | 163974 | SH |  | SOLE |  | 8894 | 0 | 0 |
| Dimensional Fund Advisors LP | GLOBAL CORE PLUS | 25434V583 |  | 7671 | 141867 | SH |  | SOLE |  | 7671 | 0 | 0 |
| Bitwise Asset Management Inc | SHS BEN INT | 09174C104 |  | 3750 | 78856 | SH |  | SOLE |  | 3750 | 0 | 0 |
| Vaneck Digital Assets LLC | SH BEN INT | 92189K105 |  | 411 | 16631 | SH |  | SOLE |  | 411 | 0 | 0 |
| FD Funds Management LLC | SHS | 315948109 |  | 1270 | 16655 | SH |  | SOLE |  | 1270 | 0 | 0 |
| BlackRock Fund Advisors | SHS BEN INT | 46438F101 |  | 59331 | 1194989 | SH |  | SOLE |  | 59331 | 0 | 0 |
| JP Morgan Investment Management Inc | SUSTAINABLE MUNI | 46654Q815 |  | 80400 | 1595871 | SH |  | SOLE |  | 80400 | 0 | 0 |
| Summit Global Investments LLC | SGI ENHANCED COR | 74933W254 |  | 19100 | 745523 | SH |  | SOLE |  | 19100 | 0 | 0 |
| JP Morgan Investment Management Inc | HEDGED EQUITY LA | 46654Q724 |  | 205 | 3092 | SH |  | SOLE |  | 205 | 0 | 0 |
| Vertical Capital Asset Management LLC | VERT GLB SUST RE | 56170L695 |  | 1183 | 113725 | SH |  | SOLE |  | 1183 | 0 | 0 |
| Toroso Investments LLC ETFs/USA | ACADEMY VETERAN | 886364389 |  | 1447 | 72375 | SH |  | SOLE |  | 1447 | 0 | 0 |
| Vanguard Group Inc/The | SHORT TRM TAX EX | 921935870 |  | 818 | 8055 | SH |  | SOLE |  | 818 | 0 | 0 |
| Neos Investment Management LLC | NASDAQ 100 HIGH | 78433H675 |  | 455 | 8448 | SH |  | SOLE |  | 455 | 0 | 0 |
| Bitwise Asset Management Inc | SHS | 091955104 |  | 2646 | 124386 | SH |  | SOLE |  | 2646 | 0 | 0 |
| BlackRock Fund Advisors | SHS | 46438R105 |  | 20007 | 891994 | SH |  | SOLE |  | 20007 | 0 | 0 |
| Summit Global Investments LLC | SGI ENHANCED NAS | 74933W239 |  | 1764 | 64233 | SH |  | SOLE |  | 1764 | 0 | 0 |
| Goldman Sachs Asset Management LP | ULTRA SHORT MUNI | 38149W572 |  | 2348 | 46690 | SH |  | SOLE |  | 2348 | 0 | 0 |
| First Trust Advisors LP | INTERMEDIATE DUR | 33738D796 |  | 285 | 13460 | SH |  | SOLE |  | 285 | 0 | 0 |
| JP Morgan Investment Management Inc | ACTIVE BOND ETF | 46654Q716 |  | 381 | 7039 | SH |  | SOLE |  | 381 | 0 | 0 |
| Capital Research and Management Co | MUNICIPAL HIGH I | 14020Y805 |  | 468 | 18376 | SH |  | SOLE |  | 468 | 0 | 0 |
| Eventide Asset Management LLC | EVENTIDE HIGH DI | 86280R811 |  | 308 | 11607 | SH |  | SOLE |  | 308 | 0 | 0 |
| AllianceBernstein LP | DISRUPTORS ETF | 00039J509 |  | 56461 | 540759 | SH |  | SOLE |  | 56461 | 0 | 0 |
| Cambria Investment Management LP | LARGECAP SHAREHO | 132061771 |  | 565 | 20288 | SH |  | SOLE |  | 565 | 0 | 0 |
| Cambria Investment Management LP | MICRO  SMALLCAP | 132061797 |  | 594 | 22168 | SH |  | SOLE |  | 594 | 0 | 0 |
| Cambria Investment Management LP | TACTICAL YIELD E | 132061789 |  | 913 | 36282 | SH |  | SOLE |  | 913 | 0 | 0 |
| Tidal Investments LLC | CAMBRIA CHESAPEA | 88636J337 |  | 2647 | 161795 | SH |  | SOLE |  | 2647 | 0 | 0 |
| First Trust Advisors LP | GROWTH STRENGTH | 33733E823 |  | 1391 | 39342 | SH |  | SOLE |  | 1391 | 0 | 0 |
| First Trust Advisors LP | INNOVATION LEAD | 33740F565 |  | 625 | 18957 | SH |  | SOLE |  | 625 | 0 | 0 |
| First Trust Advisors LP | CORE INVESTMENT | 33738D788 |  | 434 | 20452 | SH |  | SOLE |  | 434 | 0 | 0 |
| Calamos Advisors LLC | CALAMOS BIT 80 S | 12811T720 |  | 1922 | 87843 | SH |  | SOLE |  | 1922 | 0 | 0 |
| BlackRock Fund Advisors | ISHARES AAA CLO | 092528504 |  | 16772 | 324160 | SH |  | SOLE |  | 16772 | 0 | 0 |
| Vanguard Group Inc/The | TAX EXEMPT BD FD | 922021605 |  | 243 | 2419 | SH |  | SOLE |  | 243 | 0 | 0 |
| SSgA Funds Management Inc | BLOOMBERG ENHNCD | 78468R440 |  | 378 | 13229 | SH |  | SOLE |  | 378 | 0 | 0 |
| Federated Equity Management Co of Pennsylvania | US STRATEGIC DIV | 31423L305 |  | 212 | 7411 | SH |  | SOLE |  | 212 | 0 | 0 |
| Pacific Investment Management Co LLC | MUNI INCOME OPP | 72201R635 |  | 320 | 7069 | SH |  | SOLE |  | 320 | 0 | 0 |
| BlackRock Fund Advisors | ISHARES A I INNO | 09290C780 |  | 330 | 9921 | SH |  | SOLE |  | 330 | 0 | 0 |
| Pacer Advisors Inc | DATA  DIGI REVO | 69374H386 |  | 304 | 4746 | SH |  | SOLE |  | 304 | 0 | 0 |
| Goldman Sachs Asset Management LP | MUNI INCOME ETF | 38149W549 |  | 42579 | 831786 | SH |  | SOLE |  | 42579 | 0 | 0 |
| Invesco Capital Management LLC | ESG S 500 EQL | 46138G516 |  | 462 | 15525 | SH |  | SOLE |  | 462 | 0 | 0 |
| MFund Services LLC/United States | EVENTIDE US MRKT | 86280R787 |  | 451 | 16753 | SH |  | SOLE |  | 451 | 0 | 0 |
| Cambria Investment Management LP | FIXED INCOME TRE | 132061763 |  | 1469 | 58425 | SH |  | SOLE |  | 1469 | 0 | 0 |
| Tidal Investments LLC | RETURN STACKED U | 88636V702 |  | 584 | 22928 | SH |  | SOLE |  | 584 | 0 | 0 |
| Rocket Lab Corp | COM | 773121108 |  | 858 | 12298 | SH |  | SOLE |  | 858 | 0 | 0 |
| Bitwise Investment Managers | CRYPTO INDUSTRY | 09175C103 |  | 482 | 24178 | SH |  | SOLE |  | 482 | 0 | 0 |

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