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
Estimated average burden
hours per response: 23.8
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
DBX ETF TR XTRACK MSCI EURP 233051853 2,409 92,092 SH   SOLE   92,092 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 2,760 27,550 SH   SOLE   27,550 0 0
INDEXIQ ETF TR HDGD FTSE INTL 45409B560 154,975 6,832,183 SH   SOLE   6,832,183 0 0
INDEXIQ ETF TR IQ 500 INT ETF 45409B362 239,446 8,203,181 SH   SOLE   8,203,181 0 0
INDEXIQ ETF TR IQ CANDRM ESG US 45409B461 322,258 9,982,805 SH   SOLE   9,982,805 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B396 134,543 4,609,796 SH   SOLE   4,609,796 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B388 280,062 9,610,281 SH   SOLE   9,610,281 0 0
INDEXIQ ETF TR IQ CNDRM ESG INT 45409B453 126,677 4,631,697 SH   SOLE   4,631,697 0 0
INDEXIQ ETF TR IQ S&P HGH YLD 45409B412 57,111 2,245,358 SH   SOLE   2,245,358 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 5,415 243,059 SH   SOLE   243,059 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,441 39,341 SH   SOLE   39,341 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 5,001 110,052 SH   SOLE   110,052 0 0
ISHARES TR CORE MSCI EAFE 46432F842 13,766 199,251 SH   SOLE   199,251 0 0
ISHARES TR CORE US AGGBD ET 464287226 14,120 119,467 SH   SOLE   119,467 0 0
ISHARES TR EAFE SML CP ETF 464288273 2,660 47,018 SH   SOLE   47,018 0 0
ISHARES TR INTRM GOV CR ETF 464288612 31,181 265,051 SH   SOLE   265,051 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 8,530 62,388 SH   SOLE   62,388 0 0
ISHARES TR SHORT TREAS BD 464288679 17,393 157,474 SH   SOLE   157,474 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 14,143 252,427 SH   SOLE   252,427 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,894 42,444 SH   SOLE   42,444 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 5,910 64,581 SH   SOLE   64,581 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8,846 74,362 SH   SOLE   74,362 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 6,772 32,750 SH   SOLE   32,750 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,657 55,770 SH   SOLE   55,770 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 23,220 173,995 SH   SOLE   173,995 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 3,810 43,883 SH   SOLE   43,883 0 0