The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   12,933,799 256,369 SH   SOLE   256,369 0 0
APARTMENT INCOME REIT CORP COM 03750L109   305,325 8,899 SH   SOLE   8,899 0 0
APPLE INC COM 037833100   489,531 3,768 SH   SOLE   3,768 0 0
AVALONBAY CMNTYS INC COM 053484101   391,363 2,423 SH   SOLE   2,423 0 0
BROADSTONE NET LEASE INC COM 11135E203   3,076,334 189,780 SH   SOLE   189,780 0 0
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   24,545,264 1,113,164 SH   SOLE   1,113,164 0 0
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   27,070,669 1,127,475 SH   SOLE   1,127,475 0 0
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782   18,226,477 415,655 SH   SOLE   415,655 0 0
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   6,696,023 150,811 SH   SOLE   150,811 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602   5,175,707 94,776 SH   SOLE   94,776 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   382,488 3,836 SH   SOLE   3,836 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   56,090,610 736,774 SH   SOLE   736,774 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   26,015,765 903,953 SH   SOLE   903,953 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104   208,533 2,750 SH   SOLE   2,750 0 0
HOME DEPOT INC COM 437076102   223,572 708 SH   SOLE   708 0 0
INDEPENDENCE RLTY TR INC COM 45378A106   280,633 16,645 SH   SOLE   16,645 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   20,490,269 284,192 SH   SOLE   284,192 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   810,011 13,995 SH   SOLE   13,995 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   2,488,845 11,278 SH   SOLE   11,278 0 0
ISHARES TR RESIDENTIAL MULT 464288562   1,825,851 26,717 SH   SOLE   26,717 0 0
ISHARES TR MSCI ACWI EX US 464288240   818,709 17,994 SH   SOLE   17,994 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   954,039 6,291 SH   SOLE   6,291 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   12,629,241 308,859 SH   SOLE   308,859 0 0
ISHARES TR INTRM GOV CR ETF 464288612   437,175 4,267 SH   SOLE   4,267 0 0
ISHARES TR NEW YORK MUN ETF 464288323   13,282,978 253,492 SH   SOLE   253,492 0 0
ISHARES TR CORE S&P US VLU 464287663   11,154,989 157,936 SH   SOLE   157,936 0 0
ISHARES TR MSCI INTL VLU FT 46435G409   8,925,189 385,205 SH   SOLE   385,205 0 0
ISHARES TR CORE S&P SCP ETF 464287804   348,094 3,678 SH   SOLE   3,678 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   586,844 3,366 SH   SOLE   3,366 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   17,518,502 152,481 SH   SOLE   152,481 0 0
ISHARES TR MSCI USA MMENTM 46432F396   22,446,875 153,819 SH   SOLE   153,819 0 0
ISHARES TR S&P 100 ETF 464287101   274,618 1,610 SH   SOLE   1,610 0 0
ISHARES TR MSCI ACWI ETF 464288257   276,092 3,253 SH   SOLE   3,253 0 0
MICROSOFT CORP COM 594918104   289,463 1,207 SH   SOLE   1,207 0 0
MID-AMER APT CMNTYS INC COM 59522J103   363,927 2,318 SH   SOLE   2,318 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   7,750,827 247,947 SH   SOLE   247,947 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   20,792,626 431,025 SH   SOLE   431,025 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,535,046 4,014 SH   SOLE   4,014 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   520,822 1,176 SH   SOLE   1,176 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   13,383,549 180,323 SH   SOLE   180,323 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   16,050,860 504,268 SH   SOLE   504,268 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   3,888,904 133,962 SH   SOLE   133,962 0 0
SPDR SER TR BLOOMBERG INVT 78468R200   200,163 6,586 SH   SOLE   6,586 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,121,845 63,080 SH   SOLE   63,080 0 0