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
APPLE INC COM 037833100 BBG001S5N8V8 435,480 1,739 SH   SOLE   0 0 1,739
BERKLEY W R CORP COM 084423102 BBG001S5P463 469,043 8,015 SH   SOLE   0 0 8,015
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 BBG00L2CKST9 16,601,639 684,180 SH   SOLE   0 0 684,180
HOME DEPOT INC COM 437076102 BBG001S5RTW7 279,224 718 SH   SOLE   0 0 718
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 BBG00449DWF6 13,691,239 225,111 SH   SOLE   0 0 225,111
ISHARES INC EM MKTS DIV ETF 464286319 BBG002PHMJT3 389,878 15,094 SH   SOLE   0 0 15,094
ISHARES INC JP MRG EM CRP BD 464286251 BBG002WGKJD6 12,960,792 292,041 SH   SOLE   0 0 292,041
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 17,115,827 156,738 SH   SOLE   0 0 156,738
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 13,256,720 277,511 SH   SOLE   0 0 277,511
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 10,470,589 209,747 SH   SOLE   0 0 209,747
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 7,547,454 124,238 SH   SOLE   0 0 124,238
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 227,210 9,199 SH   SOLE   0 0 9,199
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 348,448 6,079 SH   SOLE   0 0 6,079
ISHARES TR INVESTMENT GRADE 46435G219 BBG00H4BPM52 8,866,896 199,885 SH   SOLE   0 0 199,885
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,333,657 12,517 SH   SOLE   0 0 12,517
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 16,829,710 157,951 SH   SOLE   0 0 157,951
ISHARES TR USD GRN BOND ETF 46435U440 BBG00MK1NQ85 275,605 5,912 SH   SOLE   0 0 5,912
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 BBG00B2MF4T8 2,177,029 36,448 SH   SOLE   0 0 36,448
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,084,678 2,573 SH   SOLE   0 0 2,573
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 9,522,633 279,011 SH   SOLE   0 0 279,011
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 258,461 441 SH   SOLE   0 0 441
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 565,650 6,187 SH   SOLE   0 0 6,187
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 727,853 15,955 SH   SOLE   0 0 15,955
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 20,726,254 290,162 SH   SOLE   0 0 290,162
SPDR SER TR SSGA US LRG ETF 78468R804 BBG0045LC1R4 18,424,404 111,521 SH   SOLE   0 0 111,521
SPDR SER TR SSGA US SMAL ETF 78468R887 BBG0045LCCP2 9,031,542 70,761 SH   SOLE   0 0 70,761
TESLA INC COM 88160R101 BBG001SQKGD7 289,553 717 SH   SOLE   0 0 717
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 13,683,853 51,807 SH   SOLE   0 0 51,807
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 9,431,625 39,253 SH   SOLE   0 0 39,253
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 9,802,711 222,587 SH   SOLE   0 0 222,587
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 13,984,540 119,038 SH   SOLE   0 0 119,038
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 2,257,770 46,629 SH   SOLE   0 0 46,629
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 18,233,950 362,360 SH   SOLE   0 0 362,360
XCEL ENERGY INC COM 98389B100 BBG001S7F0X8 259,417 3,842 SH   SOLE   0 0 3,842