SigFig Wealth Management, LLC Activity Q4 2016-Q3 2023

Q3 2023

			Value		Shares		↓ Weighting
ITOT	Sell	ISHARES TRcore s&p ttl stk	$341,402,470	-4.8%	3,624,546	-2.2%	13.68%	-1.6%
AGG	Buy	ISHARES TRcore us aggbd et	$255,863,073	-1.1%	2,720,899	+2.8%	10.26%	+2.2%
GSLC	Buy	GOLDMAN SACHS ETF TRactivebeta us lg	$167,758,515	-1.2%	1,991,675	+1.2%	6.72%	+2.1%
IUSB	Buy	ISHARES TRcore total usd	$145,566,072	-0.2%	3,329,894	+3.5%	5.84%	+3.2%
GSIE	Buy	GOLDMAN SACHS ETF TRactivebeta int	$122,641,059	+0.9%	4,083,961	+4.1%	4.92%	+4.4%
SPLG	Sell	SPDR SER TRportfolio s&p500	$118,795,541	-4.2%	2,363,620	-1.8%	4.76%	-0.9%
IEFA	Buy	ISHARES TRcore msci eafe	$90,554,089	+13.9%	1,406,884	+18.3%	3.63%	+17.8%
VXF	Sell	VANGUARD INDEX FDSextend mkt etf	$90,103,778	-4.6%	628,648	-1.6%	3.61%	-1.3%
LRGF	Sell	ISHARES TRu s equity factr	$87,797,048	-3.0%	2,026,716	-1.4%	3.52%	+0.3%
GEM	Buy	GOLDMAN SACHS ETF TRactivebeta eme	$85,075,997	-1.0%	2,967,950	+2.6%	3.41%	+2.3%
IVV	Sell	ISHARES TRcore s&p500 etf	$81,572,849	-12.5%	189,956	-10.3%	3.27%	-9.5%
IJR	Sell	ISHARES TRcore s&p scp etf	$73,361,073	-6.4%	777,710	-1.2%	2.94%	-3.2%
PDBC	Buy	INVESCO ACTVELY MNGD ETC FDoptimum yield	$70,854,653	+15.0%	4,739,462	+3.8%	2.84%	+18.9%
IEMG	Sell	ISHARES INCcore msci emkt	$64,961,678	-3.6%	1,362,827	-1.8%	2.60%	-0.3%
USHY	Buy	ISHARES TRbroad usd high	$63,679,247	+2.2%	1,834,616	+3.4%	2.55%	+5.6%
VEA	Sell	VANGUARD TAX-MANAGED FDSvan ftse dev mkt	$52,667,201	-8.5%	1,204,488	-4.1%	2.11%	-5.4%
EMB	Sell	ISHARES TRjpmorgan usd emg	$50,017,364	-31.3%	606,064	-28.7%	2.00%	-29.0%
VOO	Sell	VANGUARD INDEX FDS	$34,362,396	-6.9%	87,503	-4.6%	1.38%	-3.8%
SPAB	Sell	SPDR SER TRportfolio agrgte	$29,449,910	-14.6%	1,209,029	-6.2%	1.18%	-11.7%
SPTM	Sell	SPDR SER TRportfoli s&p1500	$28,415,488	-6.0%	518,350	-5.7%	1.14%	-2.8%
VONE	Sell	VANGUARD SCOTTSDALE FDSvng rus1000idx	$24,605,024	-10.1%	126,400	-7.9%	0.99%	-7.1%
MUB	Buy	ISHARES TRnational mun etf	$22,249,223	-3.6%	216,968	+0.5%	0.89%	-0.3%
VWO	Sell	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$21,708,568	-7.1%	552,686	-2.2%	0.87%	-4.0%
VTEB	Sell	VANGUARD MUN BD FDStax exempt bd	$19,476,002	-14.5%	404,906	-10.9%	0.78%	-11.6%
SPDW	Sell	SPDR INDEX SHS FDSportfolio devlpd	$17,388,332	-6.6%	542,876	-4.8%	0.70%	-3.5%
SPEM	Sell	SPDR INDEX SHS FDSportfolio emg mk	$16,849,777	-7.6%	489,423	-5.5%	0.68%	-4.5%
EAGG	Buy	ISHARES TResg awr us agrgt	$15,311,340	+19.1%	337,999	+23.8%	0.61%	+23.0%
USXF	Buy	ISHARES TResg msci usa etf	$15,239,477	+10.5%	439,686	+13.5%	0.61%	+14.2%
EUSB	Buy	ISHARES TResg adv ttl usd	$12,252,770	+27.7%	299,946	+32.8%	0.49%	+32.0%
VTI	Sell	VANGUARD INDEX FDStotal stk mkt	$11,201,145	-13.1%	51,788	-9.6%	0.45%	-10.2%
BNDX	Sell	VANGUARD CHARLOTTE FDStotal int bd etf	$11,119,870	-4.6%	232,487	-2.6%	0.45%	-1.3%
VTWO	Buy	VANGUARD SCOTTSDALE FDSvng rus2000idx	$10,441,885	+15.6%	146,163	+22.0%	0.42%	+19.7%
BSV	Sell	VANGUARD BD INDEX FDSshort trm bond	$10,284,007	-2.7%	136,810	-2.3%	0.41%	+0.5%
USSG	Buy	DBX ETF TRxtrckr msci us	$10,260,515	+19.1%	258,713	+20.7%	0.41%	+23.1%
SCHB	Sell	SCHWAB STRATEGIC TRus brd mkt etf	$9,830,247	-12.5%	191,104	-11.1%	0.39%	-9.6%
DMXF	Buy	ISHARES TResg eafe etf	$7,157,941	+18.0%	125,380	+23.9%	0.29%	+22.1%
BIV	Sell	VANGUARD BD INDEX FDSintermed term	$6,978,720	-4.5%	96,511	-0.8%	0.28%	-1.1%
ESML	Buy	ISHARES TResg aware msci	$6,778,461	+4.1%	201,441	+9.4%	0.27%	+7.9%
SCHF	Sell	SCHWAB STRATEGIC TRintl eqty etf	$6,674,295	-9.3%	194,757	-8.2%	0.27%	-6.0%
PKW	New	INVESCO EXCHANGE TRADED FD Tbuyback achiev	$6,345,275	–	70,527	–	0.25%	–
SCHE	Sell	SCHWAB STRATEGIC TRemrg mkteq etf	$6,150,690	-9.6%	258,675	-7.6%	0.25%	-6.4%
EFV	Buy	ISHARES TReafe value etf	$6,135,868	+41.6%	125,401	+40.3%	0.25%	+46.4%
SCHZ	Sell	SCHWAB STRATEGIC TRus aggregate b	$5,697,991	-6.6%	131,025	-0.7%	0.23%	-3.4%
QUAL	Sell	ISHARES TRmsci usa qlt fct	$5,577,406	-28.2%	42,320	-27.3%	0.22%	-25.6%
BND	Buy	VANGUARD BD INDEX FDStotal bnd mrkt	$5,598,206	-3.9%	80,289	+1.5%	0.22%	-0.9%
QQQM	Sell	INVESCO EXCH TRADED FD TR IInasdaq 100 etf	$5,497,837	-13.4%	37,296	-12.0%	0.22%	-10.6%
IWB	Sell	ISHARES TRrus 1000 etf	$5,414,761	-0.8%	22,412	-6.3%	0.22%	+2.4%
SPYG	New	SPDR SER TRprtflo s&p500 gw	$5,380,364	–	90,762	–	0.22%	–
VGSH	Sell	VANGUARD SCOTTSDALE FDSshort term treas	$5,272,992	-44.9%	91,545	-44.8%	0.21%	-43.1%
VMBS	Sell	VANGUARD SCOTTSDALE FDSmtg-bkd secs etf	$5,118,850	-6.7%	116,922	-2.3%	0.20%	-3.8%
ESGE	Sell	ISHARES INCesg awr msci em	$4,906,007	-7.1%	162,010	-3.7%	0.20%	-3.9%
MBB	Sell	ISHARES TRmbs etf	$4,785,999	-27.7%	53,896	-24.2%	0.19%	-25.3%
EFG	Sell	ISHARES TReafe grwth etf	$4,628,603	-31.8%	53,634	-25.6%	0.19%	-29.3%
HYXF	Buy	ISHARES TResg advncd hy bd	$4,563,487	+21.3%	105,661	+23.4%	0.18%	+25.3%
BLV	Sell	VANGUARD BD INDEX FDSlong term bond	$4,508,741	-11.0%	67,234	-1.6%	0.18%	-7.7%
TFLO	New	ISHARES TRtrs flt rt bd	$4,497,035	–	88,629	–	0.18%	–
TIP	Buy	ISHARES TRtips bd etf	$4,451,224	+25.9%	42,902	+33.7%	0.18%	+29.9%
USMV	Buy	ISHARES TRmsci usa min vol	$4,263,250	+93.4%	58,901	+96.6%	0.17%	+101.2%
JMST	Sell	J P MORGAN EXCHANGE TRADED Fultra sht muncpl	$4,218,074	-49.9%	83,609	-49.7%	0.17%	-48.2%
SHY	Sell	ISHARES TR1 3 yr treas bd	$4,128,131	-4.1%	51,196	-4.2%	0.16%	-1.2%
SPTS	Sell	SPDR SER TRportfolio sh tsr	$4,117,103	-13.7%	144,493	-6.9%	0.16%	-10.8%
VV	Sell	VANGUARD INDEX FDSlarge cap etf	$3,227,600	-6.2%	16,493	-3.9%	0.13%	-3.0%
VB	Sell	VANGUARD INDEX FDSsmall cp etf	$3,192,059	-11.3%	16,883	-7.2%	0.13%	-8.6%
IJH	Buy	ISHARES TRcore s&p mcp etf	$3,166,970	+30.8%	12,701	+36.4%	0.13%	+35.1%
INTF	Sell	ISHARES TRintl eqty factor	$3,163,169	-5.4%	122,366	-3.1%	0.13%	-2.3%
SPSM	Buy	SPDR SER TRportfolio s&p600	$3,136,168	-4.1%	84,991	+1.0%	0.13%	-0.8%
TLT	New	ISHARES TR20 yr tr bd etf	$2,992,112	–	33,737	–	0.12%	–
PCY	Sell	INVESCO EXCH TRADED FD TR IIemrng mkt svrg	$2,739,752	-12.8%	151,750	-0.4%	0.11%	-9.8%
ESGU	Sell	ISHARES TResg awr msci usa	$2,719,881	-41.9%	28,963	-40.4%	0.11%	-40.1%
SCHX	Buy	SCHWAB STRATEGIC TRus lrg cap etf	$2,704,822	+35.8%	52,445	+8.3%	0.11%	+40.3%
FREL	Sell	FIDELITY COVINGTON TRUSTmsci rl est etf	$2,515,658	-12.2%	110,578	-3.4%	0.10%	-9.0%
SPIP	Sell	SPDR SER TRportfli tips etf	$2,484,068	-14.5%	99,941	-2.7%	0.10%	-11.5%
SPY	Buy	SPDR S&P 500 ETF TRtr unit	$2,238,148	+8.3%	5,236	+11.0%	0.09%	+12.5%
EFA	Sell	ISHARES TRmsci eafe etf	$2,189,834	-9.9%	31,844	-6.0%	0.09%	-6.4%
BCI	Sell	ABRDN ETFS	$2,061,278	+0.4%	97,645	-5.2%	0.08%	+3.8%
GOVT	Sell	ISHARES TRus treas bd etf	$1,957,263	-66.6%	88,805	-65.3%	0.08%	-65.6%
LCTU	Buy	BLACKROCK ETF TRUSTus carbon trans	$1,931,457	+29.3%	41,025	+32.6%	0.08%	+32.8%
LQD	New	ISHARES TRiboxx inv cp etf	$1,842,303	–	18,058	–	0.07%	–
USRT	Sell	ISHARES TRcre u s reit etf	$1,827,578	-21.0%	37,111	-5.8%	0.07%	-18.9%
VUG	Sell	VANGUARD INDEX FDSgrowth etf	$1,790,166	-5.8%	6,574	-3.5%	0.07%	-2.7%
ITM	Sell	VANECK ETF TRUSTintrmdt muni etf	$1,727,265	-11.8%	39,167	-8.1%	0.07%	-9.2%
PXH	Buy	INVESCO EXCH TRADED FD TR IIftse rafi emng	$1,701,445	-2.8%	95,480	+0.9%	0.07%	0.0%
SCHO	Buy	SCHWAB STRATEGIC TRsht tm us tres	$1,597,739	+0.6%	33,189	+1.3%	0.06%	+3.2%
IVW	New	ISHARES TRs&p 500 grwt etf	$1,572,314	–	22,980	–	0.06%	–
IYW	Sell	ISHARES TRu.s. tech etf	$1,551,719	-55.7%	14,790	-54.6%	0.06%	-54.4%
VTV	Sell	VANGUARD INDEX FDSvalue etf	$1,520,954	-4.4%	11,027	-2.3%	0.06%	-1.6%
DSI	Sell	ISHARES TRmsci kld400 soc	$1,426,873	-10.8%	17,527	-8.9%	0.06%	-8.1%
PRF	Buy	INVESCO EXCHANGE TRADED FD Tftse rafi 1000	$1,355,367	-2.3%	42,595	+398.2%	0.05%	0.0%
JHML	Buy	JOHN HANCOCK EXCHANGE TRADEDmltfctr lrg cap	$1,202,388	-0.2%	22,678	+2.3%	0.05%	+2.1%
IWM	Buy	ISHARES TRrussell 2000 etf	$1,109,281	-2.4%	6,276	+3.0%	0.04%	0.0%
SUSC	Sell	ISHARES TResg awre usd etf	$1,036,015	-14.5%	47,611	-11.2%	0.04%	-10.6%
VO	Buy	VANGUARD INDEX FDSmid cap etf	$918,715	-0.7%	4,412	+4.0%	0.04%	+2.8%
SCHP	Sell	SCHWAB STRATEGIC TRus tips etf	$905,741	-20.6%	18,043	-6.5%	0.04%	-18.2%
SCHH	Buy	SCHWAB STRATEGIC TRus reit etf	$646,631	-9.4%	35,867	+4.2%	0.03%	-7.1%
HYLB	Sell	DBX ETF TRxtrack usd high	$643,074	-4.4%	18,970	-3.2%	0.03%	0.0%
ESGD	Sell	ISHARES TResg aw msci eafe	$606,187	-40.1%	8,764	-37.6%	0.02%	-38.5%
VWOB	Sell	VANGUARD WHITEHALL FDSem mk gov bd etf	$570,840	-50.7%	9,649	-48.4%	0.02%	-48.9%
HYG	Sell	ISHARES TRiboxx hi yd etf	$585,114	-8.8%	7,937	-7.0%	0.02%	-8.0%
IFRA	Sell	ISHARES TRus infrastruc	$542,776	-7.3%	14,834	-1.6%	0.02%	-4.3%
EEM	Sell	ISHARES TRmsci emg mkt etf	$539,643	-17.4%	14,220	-14.6%	0.02%	-12.0%
SUB	Buy	ISHARES TRshrt nat mun etf	$504,734	+8.6%	4,907	+9.7%	0.02%	+11.1%
DGRO	Buy	ISHARES TRcore div grwth	$476,677	+17.8%	9,624	+21.4%	0.02%	+18.8%
VYM	Buy	VANGUARD WHITEHALL FDShigh div yld	$423,302	+14.5%	4,097	+16.6%	0.02%	+21.4%
AAPL	Sell	APPLE INC	$409,574	-8.1%	2,200	-10.8%	0.02%	-5.9%
JHMM	Buy	JOHN HANCOCK EXCHANGE TRADEDmultifactor mi	$387,598	-0.0%	8,191	+4.1%	0.02%	+6.7%
JHMD	Buy	JOHN HANCOCK EXCHANGE TRADEDmulti intl etf	$366,607	-0.6%	12,257	+1.6%	0.02%	+7.1%
JHEM	Buy	JOHN HANCOCK EXCHANGE TRADEDmultfctr emrng	$368,200	+1.4%	15,506	+3.8%	0.02%	+7.1%
LCTD	New	BLACKROCK ETF TRUSTworld ex us carb	$340,077	–	8,445	–	0.01%	–
VNQ	Exit	VANGUARD INDEX FDSreal estate etf	$0	–	-2,764	–	-0.01%	–
FALN	Exit	ISHARES TRfaln angls usd	$0	–	-23,383	–	-0.02%	–
TLH	Exit	ISHARES TR10-20 yr trs etf	$0	–	-14,128	–	-0.06%	–
IWY	Exit	ISHARES TRrus tp200 gr etf	$0	–	-44,271	–	-0.27%	–

Q2 2023

			Value		Shares		↓ Weighting
ITOT	New	ISHARES TRcore s&p ttl stk	$358,565,736	–	3,704,935	–	13.90%	–
AGG	New	ISHARES TRcore us aggbd et	$258,823,559	–	2,645,715	–	10.03%	–
GSLC	New	GOLDMAN SACHS ETF TRactivebeta us lg	$169,818,910	–	1,968,462	–	6.58%	–
IUSB	New	ISHARES TRcore total usd	$145,821,609	–	3,218,314	–	5.65%	–
SPLG	New	SPDR SER TRportfolio s&p500	$123,943,145	–	2,406,663	–	4.80%	–
GSIE	New	GOLDMAN SACHS ETF TRactivebeta int	$121,487,545	–	3,921,493	–	4.71%	–
VXF	New	VANGUARD INDEX FDSextend mkt etf	$94,409,702	–	638,768	–	3.66%	–
IVV	New	ISHARES TRcore s&p500 etf	$93,196,989	–	211,662	–	3.61%	–
LRGF	New	ISHARES TRu s equity factr	$90,528,259	–	2,054,665	–	3.51%	–
GEM	New	GOLDMAN SACHS ETF TRactivebeta eme	$85,962,032	–	2,891,433	–	3.33%	–
IEFA	New	ISHARES TRcore msci eafe	$79,501,776	–	1,189,007	–	3.08%	–
IJR	New	ISHARES TRcore s&p scp etf	$78,362,125	–	787,087	–	3.04%	–
EMB	New	ISHARES TRjpmorgan usd emg	$72,817,327	–	849,960	–	2.82%	–
IEMG	New	ISHARES INCcore msci emkt	$67,398,488	–	1,387,386	–	2.61%	–
USHY	New	ISHARES TRbroad usd high	$62,308,756	–	1,774,680	–	2.42%	–
PDBC	New	INVESCO ACTVELY MNGD ETC FDoptimum yield	$61,629,258	–	4,565,151	–	2.39%	–
VEA	New	VANGUARD TAX-MANAGED FDSvan ftse dev mkt	$57,566,798	–	1,256,401	–	2.23%	–
VOO	New	VANGUARD INDEX FDS	$36,901,303	–	91,678	–	1.43%	–
SPAB	New	SPDR SER TRportfolio agrgte	$34,468,357	–	1,288,951	–	1.34%	–
SPTM	New	SPDR SER TRportfoli s&p1500	$30,219,862	–	549,427	–	1.17%	–
VONE	New	VANGUARD SCOTTSDALE FDSvng rus1000idx	$27,361,914	–	137,235	–	1.06%	–
VWO	New	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$23,361,520	–	565,095	–	0.91%	–
MUB	New	ISHARES TRnational mun etf	$23,073,042	–	215,991	–	0.90%	–
VTEB	New	VANGUARD MUN BD FDStax exempt bd	$22,786,775	–	454,463	–	0.88%	–
SPDW	New	SPDR INDEX SHS FDSportfolio devlpd	$18,622,733	–	570,149	–	0.72%	–
SPEM	New	SPDR INDEX SHS FDSportfolio emg mk	$18,226,259	–	517,801	–	0.71%	–
USXF	New	ISHARES TResg msci usa etf	$13,793,131	–	387,557	–	0.54%	–
VTI	New	VANGUARD INDEX FDStotal stk mkt	$12,896,624	–	57,293	–	0.50%	–
EAGG	New	ISHARES TResg awr us agrgt	$12,860,143	–	273,040	–	0.50%	–
BNDX	New	VANGUARD CHARLOTTE FDStotal int bd etf	$11,652,837	–	238,739	–	0.45%	–
SCHB	New	SCHWAB STRATEGIC TRus brd mkt etf	$11,238,724	–	215,081	–	0.44%	–
BSV	New	VANGUARD BD INDEX FDSshort trm bond	$10,572,475	–	139,996	–	0.41%	–
EUSB	New	ISHARES TResg adv ttl usd	$9,597,131	–	225,922	–	0.37%	–
VGSH	New	VANGUARD SCOTTSDALE FDSshort term treas	$9,569,052	–	165,784	–	0.37%	–
VTWO	New	VANGUARD SCOTTSDALE FDSvng rus2000idx	$9,034,428	–	119,820	–	0.35%	–
USSG	New	DBX ETF TRxtrckr msci us	$8,614,341	–	214,341	–	0.33%	–
JMST	New	J P MORGAN EXCHANGE TRADED Fultra sht muncpl	$8,412,833	–	166,163	–	0.33%	–
QUAL	New	ISHARES TRmsci usa qlt fct	$7,764,034	–	58,201	–	0.30%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$7,356,511	–	212,219	–	0.28%	–
BIV	New	VANGUARD BD INDEX FDSintermed term	$7,307,539	–	97,336	–	0.28%	–
IWY	New	ISHARES TRrus tp200 gr etf	$6,916,093	–	44,271	–	0.27%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$6,800,829	–	279,893	–	0.26%	–
EFG	New	ISHARES TReafe grwth etf	$6,783,830	–	72,099	–	0.26%	–
MBB	New	ISHARES TRmbs etf	$6,617,044	–	71,105	–	0.26%	–
ESML	New	ISHARES TResg aware msci	$6,510,343	–	184,065	–	0.25%	–
QQQM	New	INVESCO EXCH TRADED FD TR IInasdaq 100 etf	$6,346,660	–	42,402	–	0.25%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$6,098,771	–	131,975	–	0.24%	–
DMXF	New	ISHARES TResg eafe etf	$6,067,919	–	101,158	–	0.24%	–
GOVT	New	ISHARES TRus treas bd etf	$5,853,707	–	255,956	–	0.23%	–
BND	New	VANGUARD BD INDEX FDStotal bnd mrkt	$5,824,754	–	79,104	–	0.23%	–
VMBS	New	VANGUARD SCOTTSDALE FDSmtg-bkd secs etf	$5,485,687	–	119,696	–	0.21%	–
IWB	New	ISHARES TRrus 1000 etf	$5,460,895	–	23,928	–	0.21%	–
ESGE	New	ISHARES INCesg awr msci em	$5,280,109	–	168,195	–	0.20%	–
BLV	New	VANGUARD BD INDEX FDSlong term bond	$5,065,487	–	68,323	–	0.20%	–
SPTS	New	SPDR SER TRportfolio sh tsr	$4,771,025	–	155,191	–	0.18%	–
ESGU	New	ISHARES TResg awr msci usa	$4,682,142	–	48,605	–	0.18%	–
EFV	New	ISHARES TReafe value etf	$4,332,358	–	89,401	–	0.17%	–
SHY	New	ISHARES TR1 3 yr treas bd	$4,302,531	–	53,451	–	0.17%	–
HYXF	New	ISHARES TResg advncd hy bd	$3,763,008	–	85,601	–	0.15%	–
VB	New	VANGUARD INDEX FDSsmall cp etf	$3,599,399	–	18,201	–	0.14%	–
TIP	New	ISHARES TRtips bd etf	$3,534,413	–	32,082	–	0.14%	–
IYW	New	ISHARES TRu.s. tech etf	$3,498,963	–	32,600	–	0.14%	–
VV	New	VANGUARD INDEX FDSlarge cap etf	$3,439,202	–	17,169	–	0.13%	–
INTF	New	ISHARES TRintl eqty factor	$3,344,809	–	126,267	–	0.13%	–
SPSM	New	SPDR SER TRportfolio s&p600	$3,269,098	–	84,190	–	0.13%	–
PCY	New	INVESCO EXCH TRADED FD TR IIemrng mkt svrg	$3,143,293	–	152,340	–	0.12%	–
SPIP	New	SPDR SER TRportfli tips etf	$2,906,108	–	102,724	–	0.11%	–
FREL	New	FIDELITY COVINGTON TRUSTmsci rl est etf	$2,864,411	–	114,494	–	0.11%	–
IJH	New	ISHARES TRcore s&p mcp etf	$2,420,698	–	9,314	–	0.09%	–
EFA	New	ISHARES TRmsci eafe etf	$2,429,375	–	33,892	–	0.09%	–
USRT	New	ISHARES TRcre u s reit etf	$2,312,850	–	39,392	–	0.09%	–
USMV	New	ISHARES TRmsci usa min vol	$2,204,171	–	29,960	–	0.08%	–
BCI	New	ABRDN ETFS	$2,052,492	–	102,985	–	0.08%	–
SPY	New	SPDR S&P 500 ETF TRtr unit	$2,067,557	–	4,719	–	0.08%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$1,991,403	–	48,404	–	0.08%	–
ITM	New	VANECK ETF TRUSTintrmdt muni etf	$1,959,174	–	42,600	–	0.08%	–
VUG	New	VANGUARD INDEX FDSgrowth etf	$1,900,078	–	6,813	–	0.07%	–
PXH	New	INVESCO EXCH TRADED FD TR IIftse rafi emng	$1,749,698	–	94,630	–	0.07%	–
VTV	New	VANGUARD INDEX FDSvalue etf	$1,590,620	–	11,289	–	0.06%	–
DSI	New	ISHARES TRmsci kld400 soc	$1,600,217	–	19,238	–	0.06%	–
SCHO	New	SCHWAB STRATEGIC TRsht tm us tres	$1,588,238	–	32,757	–	0.06%	–
TLH	New	ISHARES TR10-20 yr trs etf	$1,552,417	–	14,128	–	0.06%	–
LCTU	New	BLACKROCK ETF TRUSTus carbon trans	$1,493,241	–	30,948	–	0.06%	–
PRF	New	INVESCO EXCHANGE TRADED FD Tftse rafi 1000	$1,386,673	–	8,550	–	0.05%	–
SUSC	New	ISHARES TResg awre usd etf	$1,212,190	–	53,613	–	0.05%	–
JHML	New	JOHN HANCOCK EXCHANGE TRADEDmltfctr lrg cap	$1,204,329	–	22,171	–	0.05%	–
VWOB	New	VANGUARD WHITEHALL FDSem mk gov bd etf	$1,157,203	–	18,713	–	0.04%	–
IWM	New	ISHARES TRrussell 2000 etf	$1,136,237	–	6,096	–	0.04%	–
SCHP	New	SCHWAB STRATEGIC TRus tips etf	$1,140,546	–	19,303	–	0.04%	–
ESGD	New	ISHARES TResg aw msci eafe	$1,012,292	–	14,048	–	0.04%	–
VO	New	VANGUARD INDEX FDSmid cap etf	$925,227	–	4,243	–	0.04%	–
SCHH	New	SCHWAB STRATEGIC TRus reit etf	$714,056	–	34,432	–	0.03%	–
HYLB	New	DBX ETF TRxtrack usd high	$672,731	–	19,602	–	0.03%	–
HYG	New	ISHARES TRiboxx hi yd etf	$641,231	–	8,538	–	0.02%	–
EEM	New	ISHARES TRmsci emg mkt etf	$653,389	–	16,647	–	0.02%	–
IFRA	New	ISHARES TRus infrastruc	$585,815	–	15,075	–	0.02%	–
FALN	New	ISHARES TRfaln angls usd	$589,018	–	23,383	–	0.02%	–
SUB	New	ISHARES TRshrt nat mun etf	$464,909	–	4,472	–	0.02%	–
AAPL	New	APPLE INC	$445,690	–	2,467	–	0.02%	–
DGRO	New	ISHARES TRcore div grwth	$404,804	–	7,928	–	0.02%	–
JHMM	New	JOHN HANCOCK EXCHANGE TRADEDmultifactor mi	$387,784	–	7,869	–	0.02%	–
JHEM	New	JOHN HANCOCK EXCHANGE TRADEDmultfctr emrng	$363,232	–	14,938	–	0.01%	–
JHMD	New	JOHN HANCOCK EXCHANGE TRADEDmulti intl etf	$368,885	–	12,059	–	0.01%	–
VYM	New	VANGUARD WHITEHALL FDShigh div yld	$369,849	–	3,514	–	0.01%	–
VNQ	New	VANGUARD INDEX FDSreal estate etf	$258,546	–	2,764	–	0.01%	–

Q4 2022

			Value		Shares		↓ Weighting
DGRO	Exit	ISHARES TRcore div grwth	$0	–	-4,006	–	-0.01%	–
VNQ	Exit	VANGUARD INDEX FDSreal estate etf	$0	–	-2,610	–	-0.01%	–
TLT	Exit	ISHARES TR20 yr tr bd etf	$0	–	-2,616	–	-0.01%	–
JHEM	Exit	JOHN HANCOCK EXCHANGE TRADEDmultfctr emrng	$0	–	-11,058	–	-0.02%	–
JHMM	Exit	JOHN HANCOCK EXCHANGE TRADEDmultifactor mi	$0	–	-5,679	–	-0.02%	–
JHMD	Exit	JOHN HANCOCK EXCHANGE TRADEDmulti intl etf	$0	–	-9,742	–	-0.02%	–
SUSC	Exit	ISHARES TResg awre usd etf	$0	–	-31,206	–	-0.02%	–
AAPL	Exit	APPLE INC	$0	–	-2,047	–	-0.02%	–
IYE	Exit	ISHARES TRu.s. energy etf	$0	–	-4,777	–	-0.02%	–
LQD	Exit	ISHARES TRiboxx inv cp etf	$0	–	-6,217	–	-0.02%	–
LCTU	Exit	BLACKROCK ETF TRUSTus carbon trans	$0	–	-16,413	–	-0.02%	–
SUB	Exit	ISHARES TRshrt nat mun etf	$0	–	-5,633	–	-0.03%	–
DSI	Exit	ISHARES TRmsci kld400 soc	$0	–	-20,819	–	-0.03%	–
IFRA	Exit	ISHARES TRus infrastruc	$0	–	-13,700	–	-0.03%	–
HYLB	Exit	DBX ETF TRxtrack usd high	$0	–	-18,319	–	-0.03%	–
VO	Exit	VANGUARD INDEX FDSmid cap etf	$0	–	-3,846	–	-0.04%	–
HYG	Exit	ISHARES TRiboxx hi yd etf	$0	–	-10,352	–	-0.04%	–
JHML	Exit	JOHN HANCOCK EXCHANGE TRADEDmltfctr lrg cap	$0	–	-16,621	–	-0.04%	–
SCHH	Exit	SCHWAB STRATEGIC TRus reit etf	$0	–	-37,851	–	-0.04%	–
IWM	Exit	ISHARES TRrussell 2000 etf	$0	–	-5,146	–	-0.04%	–
SCHP	Exit	SCHWAB STRATEGIC TRus tips etf	$0	–	-17,256	–	-0.06%	–
ICVT	Exit	ISHARES TRconv bd etf	$0	–	-10,949	–	-0.06%	–
VWOB	Exit	VANGUARD WHITEHALL FDSem mk gov bd etf	$0	–	-20,009	–	-0.06%	–
ESGD	Exit	ISHARES TResg aw msci eafe	$0	–	-10,301	–	-0.06%	–
PRF	Exit	INVESCO EXCHANGE TRADED FD Tftse rafi 1000	$0	–	-9,369	–	-0.07%	–
HYXF	Exit	ISHARES TResg advncd hy bd	$0	–	-33,933	–	-0.08%	–
VTV	Exit	VANGUARD INDEX FDSvalue etf	$0	–	-10,112	–	-0.08%	–
TLH	Exit	ISHARES TR10-20 yr trs etf	$0	–	-11,470	–	-0.08%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-43,736	–	-0.08%	–
SCHO	Exit	SCHWAB STRATEGIC TRsht tm us tres	$0	–	-34,798	–	-0.08%	–
COMT	Exit	ISHARES U S ETF TRgsci cmdty stgy	$0	–	-21,342	–	-0.09%	–
HDV	Exit	ISHARES TRcore high dv etf	$0	–	-13,919	–	-0.10%	–
BCI	Exit	ABRDN ETFS	$0	–	-75,462	–	-0.10%	–
IJH	Exit	ISHARES TRcore s&p mcp etf	$0	–	-8,893	–	-0.10%	–
MBB	Exit	ISHARES TRmbs etf	$0	–	-17,224	–	-0.10%	–
VUG	Exit	VANGUARD INDEX FDSgrowth etf	$0	–	-7,113	–	-0.11%	–
VB	Exit	VANGUARD INDEX FDSsmall cp etf	$0	–	-11,656	–	-0.11%	–
MUB	Exit	ISHARES TRnational mun etf	$0	–	-20,119	–	-0.11%	–
PXH	Exit	INVESCO EXCH TRADED FD TR IIftse rafi emng	$0	–	-141,041	–	-0.12%	–
INTF	Exit	ISHARES TRintl eqty factor	$0	–	-114,419	–	-0.13%	–
ESGE	Exit	ISHARES INCesg awr msci em	$0	–	-83,513	–	-0.13%	–
VV	Exit	VANGUARD INDEX FDSlarge cap etf	$0	–	-15,588	–	-0.14%	–
DMXF	Exit	ISHARES TResg eafe etf	$0	–	-52,585	–	-0.14%	–
USRT	Exit	ISHARES TRcre u s reit etf	$0	–	-43,760	–	-0.14%	–
EEMV	Exit	ISHARES INCmsci emerg mrkt	$0	–	-51,725	–	-0.15%	–
USSG	Exit	DBX ETF TRxtrckr msci us	$0	–	-87,803	–	-0.15%	–
ESML	Exit	ISHARES TResg aware msci	$0	–	-90,483	–	-0.16%	–
SPIP	Exit	SPDR SER TRportfli tips etf	$0	–	-110,328	–	-0.17%	–
PCY	Exit	INVESCO EXCH TRADED FD TR IIemrng mkt svrg	$0	–	-155,366	–	-0.17%	–
FREL	Exit	FIDELITY COVINGTON TRUSTmsci rl est etf	$0	–	-110,507	–	-0.18%	–
FALN	Exit	ISHARES TRfaln angls usd	$0	–	-53,360	–	-0.20%	–
IWB	Exit	ISHARES TRrus 1000 etf	$0	–	-22,080	–	-0.22%	–
EAGG	Exit	ISHARES TResg awr us agrgt	$0	–	-99,389	–	-0.24%	–
SHY	Exit	ISHARES TR1 3 yr treas bd	$0	–	-59,101	–	-0.25%	–
USMV	Exit	ISHARES TRmsci usa min vol	$0	–	-70,881	–	-0.27%	–
BND	Exit	VANGUARD BD INDEX FDStotal bnd mrkt	$0	–	-69,875	–	-0.27%	–
SCHZ	Exit	SCHWAB STRATEGIC TRus aggregate b	$0	–	-128,685	–	-0.28%	–
EFG	Exit	ISHARES TReafe grwth etf	$0	–	-50,918	–	-0.29%	–
SPTS	Exit	SPDR SER TRportfolio sh tsr	$0	–	-176,389	–	-0.29%	–
USXF	Exit	ISHARES TResg msci usa etf	$0	–	-183,418	–	-0.30%	–
EUSB	Exit	ISHARES TResg adv ttl usd	$0	–	-132,148	–	-0.32%	–
VTEB	Exit	VANGUARD MUN BD FDStax exempt bd	$0	–	-116,299	–	-0.32%	–
EFV	Exit	ISHARES TReafe value etf	$0	–	-100,801	–	-0.32%	–
VMBS	Exit	VANGUARD SCOTTSDALE FDSmtg-bkd secs etf	$0	–	-116,002	–	-0.32%	–
BLV	Exit	VANGUARD BD INDEX FDSlong term bond	$0	–	-67,474	–	-0.34%	–
SCHE	Exit	SCHWAB STRATEGIC TRemrg mkteq etf	$0	–	-271,233	–	-0.38%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-208,942	–	-0.40%	–
GOVT	Exit	ISHARES TRus treas bd etf	$0	–	-418,294	–	-0.41%	–
TIP	Exit	ISHARES TRtips bd etf	$0	–	-55,254	–	-0.42%	–
BIV	Exit	VANGUARD BD INDEX FDSintermed term	$0	–	-103,736	–	-0.44%	–
BSV	Exit	VANGUARD BD INDEX FDSshort trm bond	$0	–	-135,619	–	-0.57%	–
VTI	Exit	VANGUARD INDEX FDStotal stk mkt	$0	–	-49,056	–	-0.58%	–
VWO	Exit	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$0	–	-262,297	–	-0.61%	–
SCHB	Exit	SCHWAB STRATEGIC TRus brd mkt etf	$0	–	-216,440	–	-0.63%	–
BNDX	Exit	VANGUARD CHARLOTTE FDStotal int bd etf	$0	–	-231,874	–	-0.66%	–
ESGU	Exit	ISHARES TResg awr msci usa	$0	–	-142,854	–	-0.85%	–
SPAB	Exit	SPDR SER TRportfolio agrgte	$0	–	-614,719	–	-0.91%	–
SPEM	Exit	SPDR INDEX SHS FDSportfolio emg mk	$0	–	-561,095	–	-1.10%	–
SPDW	Exit	SPDR INDEX SHS FDSportfolio devlpd	$0	–	-668,207	–	-1.12%	–
VEA	Exit	VANGUARD TAX-MANAGED FDSvan ftse dev mkt	$0	–	-492,077	–	-1.17%	–
VOO	Exit	VANGUARD INDEX FDS	$0	–	-60,927	–	-1.33%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-105,552	–	-1.37%	–
SPTM	Exit	SPDR SER TRportfoli s&p1500	$0	–	-634,323	–	-1.84%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-1,131,549	–	-2.71%	–
USHY	Exit	ISHARES TRbroad usd high	$0	–	-1,644,079	–	-2.91%	–
IEFA	Exit	ISHARES TRcore msci eafe	$0	–	-991,273	–	-2.96%	–
PDBC	Exit	INVESCO ACTVELY MNGD ETC FDoptimum yield	$0	–	-3,877,080	–	-3.33%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-716,171	–	-3.35%	–
EMB	Exit	ISHARES TRjpmorgan usd emg	$0	–	-799,781	–	-3.42%	–
LRGF	Exit	ISHARES TRu s equity factr	$0	–	-1,979,099	–	-3.81%	–
GEM	Exit	GOLDMAN SACHS ETF TRactivebeta eme	$0	–	-2,804,985	–	-3.82%	–
VXF	Exit	VANGUARD INDEX FDSextend mkt etf	$0	–	-584,669	–	-3.99%	–
GSIE	Exit	GOLDMAN SACHS ETF TRactivebeta int	$0	–	-3,911,549	–	-5.10%	–
IUSB	Exit	ISHARES TRcore total usd	$0	–	-2,902,424	–	-6.75%	–
GSLC	Exit	GOLDMAN SACHS ETF TRactivebeta us lg	$0	–	-1,900,968	–	-7.18%	–
AGG	Exit	ISHARES TRcore us aggbd et	$0	–	-2,318,029	–	-11.79%	–
ITOT	Exit	ISHARES TRcore s&p ttl stk	$0	–	-3,595,716	–	-16.03%	–

Q3 2022

			Value		Shares		↓ Weighting
ITOT	Sell	ISHARES TRcore s&p ttl stk	$305,737,000	-4.7%	3,595,716	-6.2%	16.03%	-3.6%
AGG	Buy	ISHARES TRcore us aggbd et	$224,908,000	-0.0%	2,318,029	+5.2%	11.79%	+1.2%
GSLC	Sell	GOLDMAN SACHS ETF TRactivebeta us lg	$136,888,000	-4.4%	1,900,968	-0.5%	7.18%	-3.2%
IUSB	Buy	ISHARES TRcore total usd	$128,699,000	+1.2%	2,902,424	+5.7%	6.75%	+2.4%
GSIE	Buy	GOLDMAN SACHS ETF TRactivebeta int	$97,358,000	-3.6%	3,911,549	+7.5%	5.10%	-2.5%
VXF	Sell	VANGUARD INDEX FDSextend mkt etf	$76,110,000	-5.6%	584,669	-3.5%	3.99%	-4.5%
GEM	Sell	GOLDMAN SACHS ETF TRactivebeta eme	$72,789,000	-23.6%	2,804,985	-12.4%	3.82%	-22.7%
LRGF	Sell	ISHARES TRu s equity factr	$72,672,000	-3.3%	1,979,099	-0.2%	3.81%	-2.1%
EMB	Buy	ISHARES TRjpmorgan usd emg	$65,145,000	-1.2%	799,781	+5.2%	3.42%	0.0%
IJR	Sell	ISHARES TRcore s&p scp etf	$63,975,000	-3.6%	716,171	-0.1%	3.35%	-2.4%
PDBC	Buy	INVESCO ACTVELY MNGD ETC FDoptimum yield	$63,509,000	+152.0%	3,877,080	+177.5%	3.33%	+154.9%
IEFA	Buy	ISHARES TRcore msci eafe	$56,481,000	-4.7%	991,273	+2.8%	2.96%	-3.6%
USHY	Sell	ISHARES TRbroad usd high	$55,586,000	-3.0%	1,644,079	-0.6%	2.91%	-1.8%
IEMG	Sell	ISHARES INCcore msci emkt	$51,696,000	-27.0%	1,131,549	-20.2%	2.71%	-26.1%
SPTM	Sell	SPDR SER TRportfoli s&p1500	$35,177,000	-3.0%	634,323	-6.2%	1.84%	-1.8%
IVV	Buy	ISHARES TRcore s&p500 etf	$26,213,000	+26.3%	105,552	+76.6%	1.37%	+27.8%
VOO	Buy	VANGUARD INDEX FDS	$25,389,000	+2.5%	60,927	+3.6%	1.33%	+3.7%
VEA	Buy	VANGUARD TAX-MANAGED FDSvan ftse dev mkt	$22,386,000	-0.1%	492,077	+3.2%	1.17%	+1.1%
SPDW	Buy	SPDR INDEX SHS FDSportfolio devlpd	$21,410,000	-1.1%	668,207	+3.8%	1.12%	+0.1%
SPEM	Buy	SPDR INDEX SHS FDSportfolio emg mk	$21,063,000	-2.9%	561,095	+1.2%	1.10%	-1.8%
SPAB	Sell	SPDR SER TRportfolio agrgte	$17,365,000	-1.6%	614,719	-2.2%	0.91%	-0.4%
ESGU	Buy	ISHARES TResg awr msci usa	$16,172,000	+5.7%	142,854	+5.0%	0.85%	+6.9%
BNDX	Sell	VANGUARD CHARLOTTE FDStotal int bd etf	$12,586,000	-0.7%	231,874	-1.0%	0.66%	+0.5%
SCHB	Sell	SCHWAB STRATEGIC TRus brd mkt etf	$12,020,000	-3.1%	216,440	-7.9%	0.63%	-1.9%
VWO	Sell	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$11,674,000	-7.8%	262,297	-7.5%	0.61%	-6.7%
VTI	Sell	VANGUARD INDEX FDStotal stk mkt	$11,044,000	-1.1%	49,056	-1.7%	0.58%	+0.2%
BSV	Sell	VANGUARD BD INDEX FDSshort trm bond	$10,829,000	-0.3%	135,619	-0.9%	0.57%	+0.9%
BIV	Buy	VANGUARD BD INDEX FDSintermed term	$8,383,000	+3.4%	103,736	+5.1%	0.44%	+4.5%
TIP	Sell	ISHARES TRtips bd etf	$8,110,000	-2.6%	55,254	-12.6%	0.42%	-1.4%
GOVT	Buy	ISHARES TRus treas bd etf	$7,738,000	+8.4%	418,294	+36.0%	0.41%	+9.7%
SCHF	Sell	SCHWAB STRATEGIC TRintl eqty etf	$7,640,000	-3.8%	208,942	-4.6%	0.40%	-2.4%
SCHE	Buy	SCHWAB STRATEGIC TRemrg mkteq etf	$7,205,000	-6.4%	271,233	+1.5%	0.38%	-5.3%
BLV	Sell	VANGUARD BD INDEX FDSlong term bond	$6,429,000	-1.0%	67,474	-0.9%	0.34%	+0.3%
VMBS	Sell	VANGUARD SCOTTSDALE FDSmtg-bkd secs etf	$6,140,000	-0.6%	116,002	-0.7%	0.32%	+0.6%
EFV	Sell	ISHARES TReafe value etf	$6,058,000	+5.7%	100,801	-11.8%	0.32%	+7.1%
VTEB	Buy	VANGUARD MUN BD FDStax exempt bd	$6,038,000	+2.9%	116,299	+3.3%	0.32%	+4.3%
EUSB	Buy	ISHARES TResg adv ttl usd	$6,006,000	+56.6%	132,148	+61.9%	0.32%	+58.3%
USXF	Buy	ISHARES TResg msci usa etf	$5,802,000	+86.4%	183,418	+116.1%	0.30%	+88.8%
SPTS	Sell	SPDR SER TRportfolio sh tsr	$5,483,000	-2.4%	176,389	-6.0%	0.29%	-1.4%
EFG	Buy	ISHARES TReafe grwth etf	$5,474,000	+5.9%	50,918	+59.5%	0.29%	+7.1%
SCHZ	Buy	SCHWAB STRATEGIC TRus aggregate b	$5,389,000	-6.7%	128,685	+2.4%	0.28%	-5.4%
BND	Buy	VANGUARD BD INDEX FDStotal bnd mrkt	$5,170,000	+2.3%	69,875	+7.3%	0.27%	+3.4%
USMV	Buy	ISHARES TRmsci usa min vol	$5,157,000	+466.1%	70,881	+584.1%	0.27%	+474.5%
SHY	Sell	ISHARES TR1 3 yr treas bd	$4,793,000	-4.1%	59,101	-0.5%	0.25%	-3.1%
EAGG	Buy	ISHARES TResg awr us agrgt	$4,626,000	+187.9%	99,389	+202.8%	0.24%	+192.8%
IWB	Buy	ISHARES TRrus 1000 etf	$4,269,000	+14.2%	22,080	+46.0%	0.22%	+15.5%
FALN	Sell	ISHARES TRfaln angls usd	$3,796,000	-2.6%	53,360	-36.6%	0.20%	-1.5%
FREL	Sell	FIDELITY COVINGTON TRUSTmsci rl est etf	$3,400,000	-4.5%	110,507	-4.1%	0.18%	-3.8%
PCY	Buy	INVESCO EXCH TRADED FD TR IIemrng mkt svrg	$3,313,000	-3.4%	155,366	+0.2%	0.17%	-2.2%
SPIP	Sell	SPDR SER TRportfli tips etf	$3,282,000	-2.1%	110,328	-5.2%	0.17%	-1.1%
ESML	Buy	ISHARES TResg aware msci	$3,104,000	+79.4%	90,483	+102.4%	0.16%	+81.1%
USSG	Buy	DBX ETF TRxtrckr msci us	$2,902,000	+222.8%	87,803	+241.1%	0.15%	+223.4%
EEMV	Buy	ISHARES INCmsci emerg mrkt	$2,870,000	+13.7%	51,725	+16.0%	0.15%	+14.5%
USRT	Sell	ISHARES TRcre u s reit etf	$2,759,000	-1.7%	43,760	-2.2%	0.14%	0.0%
DMXF	Buy	ISHARES TResg eafe etf	$2,631,000	+88.5%	52,585	+118.6%	0.14%	+91.7%
VV	Sell	VANGUARD INDEX FDSlarge cap etf	$2,588,000	-18.6%	15,588	-15.5%	0.14%	-17.6%
ESGE	Buy	ISHARES INCesg awr msci em	$2,451,000	+86.2%	83,513	+103.2%	0.13%	+88.2%
INTF	Sell	ISHARES TRintl eqty factor	$2,413,000	-18.5%	114,419	-9.0%	0.13%	-17.6%
PXH	Sell	INVESCO EXCH TRADED FD TR IIftse rafi emng	$2,276,000	-25.0%	141,041	-15.6%	0.12%	-24.2%
MUB	Buy	ISHARES TRnational mun etf	$2,089,000	+26.4%	20,119	+19.9%	0.11%	+27.9%
VB	Buy	VANGUARD INDEX FDSsmall cp etf	$2,083,000	+3.7%	11,656	+6.0%	0.11%	+4.8%
VUG	Buy	VANGUARD INDEX FDSgrowth etf	$2,064,000	+2.8%	7,113	+4.6%	0.11%	+3.8%
BCI	Buy	ABRDN ETFS	$1,970,000	+657.7%	75,462	+688.9%	0.10%	+692.3%
MBB	Sell	ISHARES TRmbs etf	$1,963,000	+1.4%	17,224	-5.6%	0.10%	+3.0%
IJH	Sell	ISHARES TRcore s&p mcp etf	$1,972,000	-13.6%	8,893	-11.6%	0.10%	-12.7%
HDV	Sell	ISHARES TRcore high dv etf	$1,856,000	-56.4%	13,919	-75.3%	0.10%	-56.1%
COMT	Buy	ISHARES U S ETF TRgsci cmdty stgy	$1,779,000	+1.5%	21,342	+14.5%	0.09%	+2.2%
SCHO	Sell	SCHWAB STRATEGIC TRsht tm us tres	$1,566,000	-7.9%	34,798	-6.4%	0.08%	-6.8%
SCHX	Buy	SCHWAB STRATEGIC TRus lrg cap etf	$1,519,000	-10.8%	43,736	+10.5%	0.08%	-9.1%
TLH	Buy	ISHARES TR10-20 yr trs etf	$1,461,000	+6.6%	11,470	+5.8%	0.08%	+8.5%
VTV	Buy	VANGUARD INDEX FDSvalue etf	$1,459,000	+4.7%	10,112	+6.3%	0.08%	+5.6%
HYXF	Buy	ISHARES TResg advncd hy bd	$1,438,000	+199.0%	33,933	+207.6%	0.08%	+200.0%
PRF	Sell	INVESCO EXCHANGE TRADED FD Tftse rafi 1000	$1,317,000	-25.7%	9,369	-21.6%	0.07%	-25.0%
ESGD	Buy	ISHARES TResg aw msci eafe	$1,168,000	-3.6%	10,301	+1.2%	0.06%	-3.2%
ICVT	Sell	ISHARES TRconv bd etf	$1,151,000	+5.3%	10,949	-27.1%	0.06%	+5.3%
VWOB	Buy	VANGUARD WHITEHALL FDSem mk gov bd etf	$1,151,000	-1.4%	20,009	+5.1%	0.06%	0.0%
SCHP	Buy	SCHWAB STRATEGIC TRus tips etf	$1,044,000	-4.7%	17,256	+1.8%	0.06%	-3.5%
IWM	Buy	ISHARES TRrussell 2000 etf	$855,000	+10.3%	5,146	+12.4%	0.04%	+12.5%
SCHH	Sell	SCHWAB STRATEGIC TRus reit etf	$844,000	-5.3%	37,851	-3.5%	0.04%	-4.3%
JHML	Buy	JOHN HANCOCK EXCHANGE TRADEDmltfctr lrg cap	$841,000	+22.1%	16,621	+24.8%	0.04%	+22.2%
HYG	Sell	ISHARES TRiboxx hi yd etf	$748,000	-17.6%	10,352	-15.7%	0.04%	-17.0%
VO	Buy	VANGUARD INDEX FDSmid cap etf	$729,000	+1.7%	3,846	+5.6%	0.04%	+2.7%
HYLB	Buy	DBX ETF TRxtrack usd high	$602,000	+85.8%	18,319	+90.8%	0.03%	+88.2%
IFRA	Sell	ISHARES TRus infrastruc	$589,000	-18.9%	13,700	-31.3%	0.03%	-18.4%
DSI	Sell	ISHARES TRmsci kld400 soc	$560,000	+5.3%	20,819	-0.3%	0.03%	+3.6%
SUB	Buy	ISHARES TRshrt nat mun etf	$540,000	+47.9%	5,633	+64.0%	0.03%	+47.4%
LCTU	Buy	BLACKROCK ETF TRUSTus carbon trans	$430,000	+1.4%	16,413	+68.0%	0.02%	+4.5%
IYE	Sell	ISHARES TRu.s. energy etf	$429,000	-62.9%	4,777	-76.0%	0.02%	-63.3%
LQD	New	ISHARES TRiboxx inv cp etf	$419,000	–	6,217	–	0.02%	–
SUSC	Buy	ISHARES TResg awre usd etf	$341,000	+5.6%	31,206	+34.8%	0.02%	+5.9%
JHMM	Buy	JOHN HANCOCK EXCHANGE TRADEDmultifactor mi	$277,000	+25.3%	5,679	+28.4%	0.02%	+36.4%
JHEM	Buy	JOHN HANCOCK EXCHANGE TRADEDmultfctr emrng	$288,000	+21.0%	11,058	+24.5%	0.02%	+25.0%
JHMD	Buy	JOHN HANCOCK EXCHANGE TRADEDmulti intl etf	$291,000	+20.2%	9,742	+23.9%	0.02%	+15.4%
VNQ	Sell	VANGUARD INDEX FDSreal estate etf	$274,000	-11.6%	2,610	-12.5%	0.01%	-12.5%
TLT	New	ISHARES TR20 yr tr bd etf	$273,000	–	2,616	–	0.01%	–
DGRO	New	ISHARES TRcore div grwth	$216,000	–	4,006	–	0.01%	–
IJS	Exit	ISHARES TRsp smcp600vl etf	$0	–	-13,189	–	-0.06%	–

Q2 2022

			Value		Shares		↓ Weighting
ITOT	New	ISHARES TRcore s&p ttl stk	$320,905,000	–	3,832,791	–	16.62%	–
AGG	New	ISHARES TRcore us aggbd et	$224,966,000	–	2,203,524	–	11.66%	–
GSLC	New	GOLDMAN SACHS ETF TRactivebeta us lg	$143,173,000	–	1,910,508	–	7.42%	–
IUSB	New	ISHARES TRcore total usd	$127,167,000	–	2,744,869	–	6.59%	–
GSIE	New	GOLDMAN SACHS ETF TRactivebeta int	$101,008,000	–	3,637,323	–	5.23%	–
GEM	New	GOLDMAN SACHS ETF TRactivebeta eme	$95,229,000	–	3,200,998	–	4.93%	–
VXF	New	VANGUARD INDEX FDSextend mkt etf	$80,644,000	–	605,910	–	4.18%	–
LRGF	New	ISHARES TRu s equity factr	$75,128,000	–	1,982,287	–	3.89%	–
IEMG	New	ISHARES INCcore msci emkt	$70,795,000	–	1,417,117	–	3.67%	–
IJR	New	ISHARES TRcore s&p scp etf	$66,339,000	–	717,055	–	3.44%	–
EMB	New	ISHARES TRjpmorgan usd emg	$65,908,000	–	760,428	–	3.42%	–
IEFA	New	ISHARES TRcore msci eafe	$59,268,000	–	963,929	–	3.07%	–
USHY	New	ISHARES TRbroad usd high	$57,290,000	–	1,654,805	–	2.97%	–
SPTM	New	SPDR SER TRportfoli s&p1500	$36,251,000	–	676,456	–	1.88%	–
PDBC	New	INVESCO ACTVELY MNGD ETC FDoptimum yield	$25,205,000	–	1,397,115	–	1.31%	–
VOO	New	VANGUARD INDEX FDS	$24,777,000	–	58,814	–	1.28%	–
VEA	New	VANGUARD TAX-MANAGED INTL FDvan ftse dev mkt	$22,413,000	–	476,826	–	1.16%	–
SPEM	New	SPDR INDEX SHS FDSportfolio emg mk	$21,693,000	–	554,284	–	1.12%	–
SPDW	New	SPDR INDEX SHS FDSportfolio devlpd	$21,642,000	–	643,913	–	1.12%	–
IVV	New	ISHARES TRcore s&p500 etf	$20,758,000	–	59,766	–	1.08%	–
SPAB	New	SPDR SER TRportfolio agrgte	$17,647,000	–	628,690	–	0.91%	–
ESGU	New	ISHARES TResg awr msci usa	$15,303,000	–	136,110	–	0.79%	–
BNDX	New	VANGUARD CHARLOTTE FDStotal int bd etf	$12,672,000	–	234,221	–	0.66%	–
VWO	New	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$12,663,000	–	283,520	–	0.66%	–
SCHB	New	SCHWAB STRATEGIC TRus brd mkt etf	$12,400,000	–	234,888	–	0.64%	–
VTI	New	VANGUARD INDEX FDStotal stk mkt	$11,163,000	–	49,912	–	0.58%	–
BSV	New	VANGUARD BD INDEX FDSshort trm bond	$10,865,000	–	136,823	–	0.56%	–
TIP	New	ISHARES TRtips bd etf	$8,323,000	–	63,201	–	0.43%	–
BIV	New	VANGUARD BD INDEX FDSintermed term	$8,104,000	–	98,709	–	0.42%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$7,938,000	–	219,056	–	0.41%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$7,697,000	–	267,339	–	0.40%	–
GOVT	New	ISHARES TRus treas bd etf	$7,139,000	–	307,615	–	0.37%	–
BLV	New	VANGUARD BD INDEX FDSlong term bond	$6,491,000	–	68,099	–	0.34%	–
VMBS	New	VANGUARD SCOTTSDALE FDSmtg-bkd secs etf	$6,178,000	–	116,800	–	0.32%	–
VTEB	New	VANGUARD MUN BD FDStax exempt bd	$5,869,000	–	112,556	–	0.30%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$5,775,000	–	125,620	–	0.30%	–
EFV	New	ISHARES TReafe value etf	$5,729,000	–	114,316	–	0.30%	–
SPTS	New	SPDR SER TRportfolio sh tsr	$5,617,000	–	187,673	–	0.29%	–
EFG	New	ISHARES TReafe grwth etf	$5,171,000	–	31,919	–	0.27%	–
BND	New	VANGUARD BD INDEX FDStotal bnd mrkt	$5,054,000	–	65,124	–	0.26%	–
SHY	New	ISHARES TR1 3 yr treas bd	$4,997,000	–	59,379	–	0.26%	–
HDV	New	ISHARES TRcore high dv etf	$4,259,000	–	56,385	–	0.22%	–
FALN	New	ISHARES TRfaln angls usd	$3,897,000	–	84,170	–	0.20%	–
EUSB	New	ISHARES TResg adv ttl usd	$3,836,000	–	81,615	–	0.20%	–
IWB	New	ISHARES TRrus 1000 etf	$3,739,000	–	15,122	–	0.19%	–
FREL	New	FIDELITY COVINGTON TRUSTmsci rl est etf	$3,562,000	–	115,229	–	0.18%	–
PCY	New	INVESCO EXCH TRADED FD TR IIemrng mkt svrg	$3,428,000	–	155,130	–	0.18%	–
SPIP	New	SPDR SER TRportfli tips etf	$3,351,000	–	116,374	–	0.17%	–
VV	New	VANGUARD INDEX FDSlarge cap etf	$3,179,000	–	18,445	–	0.16%	–
USXF	New	ISHARES TResg msci usa etf	$3,112,000	–	84,885	–	0.16%	–
PXH	New	INVESCO EXCH TRADED FD TR IIftse rafi emng	$3,036,000	–	167,097	–	0.16%	–
INTF	New	ISHARES TRintl eqty factor	$2,959,000	–	125,771	–	0.15%	–
USRT	New	ISHARES TRcre u s reit etf	$2,807,000	–	44,757	–	0.14%	–
EEMV	New	ISHARES INCmsci emerg mrkt	$2,524,000	–	44,608	–	0.13%	–
IJH	New	ISHARES TRcore s&p mcp etf	$2,283,000	–	10,060	–	0.12%	–
VB	New	VANGUARD INDEX FDSsmall cp etf	$2,008,000	–	10,993	–	0.10%	–
VUG	New	VANGUARD INDEX FDSgrowth etf	$2,008,000	–	6,803	–	0.10%	–
MBB	New	ISHARES TRmbs etf	$1,936,000	–	18,254	–	0.10%	–
PRF	New	INVESCO EXCHANGE TRADED FD Tftse rafi 1000	$1,772,000	–	11,953	–	0.09%	–
COMT	New	ISHARES U S ETF TRgsci cmdty stgy	$1,752,000	–	18,637	–	0.09%	–
ESML	New	ISHARES TResg aware msci	$1,730,000	–	44,716	–	0.09%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$1,703,000	–	39,566	–	0.09%	–
SCHO	New	SCHWAB STRATEGIC TRsht tm us tres	$1,701,000	–	37,179	–	0.09%	–
MUB	New	ISHARES TRnational mun etf	$1,653,000	–	16,784	–	0.09%	–
EAGG	New	ISHARES TResg awr us agrgt	$1,607,000	–	32,827	–	0.08%	–
VTV	New	VANGUARD INDEX FDSvalue etf	$1,394,000	–	9,510	–	0.07%	–
DMXF	New	ISHARES TResg eafe etf	$1,396,000	–	24,053	–	0.07%	–
TLH	New	ISHARES TR10-20 yr trs etf	$1,371,000	–	10,841	–	0.07%	–
ESGE	New	ISHARES INCesg awr msci em	$1,316,000	–	41,108	–	0.07%	–
IJS	New	ISHARES TRsp smcp600vl etf	$1,237,000	–	13,189	–	0.06%	–
ESGD	New	ISHARES TResg aw msci eafe	$1,212,000	–	10,175	–	0.06%	–
VWOB	New	VANGUARD WHITEHALL FDSem mk gov bd etf	$1,167,000	–	19,043	–	0.06%	–
IYE	New	ISHARES TRu.s. energy etf	$1,156,000	–	19,899	–	0.06%	–
ICVT	New	ISHARES TRconv bd etf	$1,093,000	–	15,029	–	0.06%	–
SCHP	New	SCHWAB STRATEGIC TRus tips etf	$1,095,000	–	16,954	–	0.06%	–
USSG	New	DBX ETF TRxtrckr msci us	$899,000	–	25,740	–	0.05%	–
USMV	New	ISHARES TRmsci usa min vol	$911,000	–	10,361	–	0.05%	–
HYG	New	ISHARES TRiboxx hi yd etf	$908,000	–	12,275	–	0.05%	–
SCHH	New	SCHWAB STRATEGIC TRus reit etf	$891,000	–	39,217	–	0.05%	–
IWM	New	ISHARES TRrussell 2000 etf	$775,000	–	4,579	–	0.04%	–
IFRA	New	ISHARES TRus infrastruc	$726,000	–	19,934	–	0.04%	–
VO	New	VANGUARD INDEX FDSmid cap etf	$717,000	–	3,641	–	0.04%	–
JHML	New	JOHN HANCOCK EXCHANGE TRADEDmltfctr lrg cap	$689,000	–	13,323	–	0.04%	–
DSI	New	ISHARES TRmsci kld400 soc	$532,000	–	20,889	–	0.03%	–
HYXF	New	ISHARES TResg advncd hy bd	$481,000	–	11,031	–	0.02%	–
LCTU	New	BLACKROCK ETF TRUSTus carbon trans	$424,000	–	9,769	–	0.02%	–
SUB	New	ISHARES TRshrt nat mun etf	$365,000	–	3,435	–	0.02%	–
AAPL	New	APPLE INC	$366,000	–	2,047	–	0.02%	–
SUSC	New	ISHARES TResg awre usd etf	$323,000	–	23,143	–	0.02%	–
HYLB	New	DBX ETF TRxtrack usd high	$324,000	–	9,602	–	0.02%	–
VNQ	New	VANGUARD INDEX FDSreal estate etf	$310,000	–	2,984	–	0.02%	–
BCI	New	ABRDN ETFS	$260,000	–	9,566	–	0.01%	–
JHMD	New	JOHN HANCOCK EXCHANGE TRADEDmulti intl etf	$242,000	–	7,861	–	0.01%	–
JHEM	New	JOHN HANCOCK EXCHANGE TRADEDmultfctr emrng	$238,000	–	8,884	–	0.01%	–
JHMM	New	JOHN HANCOCK EXCHANGE TRADEDmultifactor mi	$221,000	–	4,424	–	0.01%	–

Q4 2021

			Value		Shares		↓ Weighting
VNQ	Exit	VANGUARD INDEX FDSreal estate etf	$0	–	-2,525	–	-0.01%	–
SUSB	Exit	ISHARES TResg awre 1 5 yr	$0	–	-13,374	–	-0.02%	–
AAPL	Exit	APPLE INC	$0	–	-2,155	–	-0.02%	–
DMXF	Exit	ISHARES TResg eafe etf	$0	–	-6,978	–	-0.02%	–
MUB	Exit	ISHARES TRnational mun etf	$0	–	-5,105	–	-0.03%	–
ESML	Exit	ISHARES TResg aware msci	$0	–	-16,748	–	-0.03%	–
ESGD	Exit	ISHARES TResg aw msci eafe	$0	–	-9,492	–	-0.04%	–
VTV	Exit	VANGUARD INDEX FDSvalue etf	$0	–	-5,439	–	-0.04%	–
IWM	Exit	ISHARES TRrussell 2000 etf	$0	–	-3,802	–	-0.04%	–
IYE	Exit	ISHARES TRu.s. energy etf	$0	–	-33,830	–	-0.05%	–
SCHH	Exit	SCHWAB STRATEGIC TRus reit etf	$0	–	-21,565	–	-0.05%	–
USXF	Exit	ISHARES TResg msci usa etf	$0	–	-27,014	–	-0.05%	–
VO	Exit	VANGUARD INDEX FDSmid cap etf	$0	–	-4,318	–	-0.05%	–
VB	Exit	VANGUARD INDEX FDSsmall cp etf	$0	–	-4,848	–	-0.05%	–
PRF	Exit	INVESCO EXCHANGE TRADED FD Tftse rafi 1000	$0	–	-7,038	–	-0.06%	–
VUG	Exit	VANGUARD INDEX FDSgrowth etf	$0	–	-3,955	–	-0.06%	–
SCHP	Exit	SCHWAB STRATEGIC TRus tips etf	$0	–	-18,408	–	-0.06%	–
HYG	Exit	ISHARES TRiboxx hi yd etf	$0	–	-14,092	–	-0.06%	–
EUSB	Exit	ISHARES TResg adv ttl usd	$0	–	-25,153	–	-0.06%	–
INTF	Exit	ISHARES TRmsci intl multft	$0	–	-43,409	–	-0.06%	–
IJH	Exit	ISHARES TRcore s&p mcp etf	$0	–	-5,108	–	-0.07%	–
IXG	Exit	ISHARES TRglobal finls etf	$0	–	-17,320	–	-0.07%	–
VV	Exit	VANGUARD INDEX FDSlarge cap etf	$0	–	-7,225	–	-0.07%	–
MBB	Exit	ISHARES TRmbs etf	$0	–	-14,816	–	-0.08%	–
PXH	Exit	INVESCO EXCH TRADED FD TR IIftse rafi emng	$0	–	-72,956	–	-0.08%	–
SCHO	Exit	SCHWAB STRATEGIC TRsht tm us tres	$0	–	-32,027	–	-0.08%	–
COMT	Exit	ISHARES U S ETF TRgsci cmdty stgy	$0	–	-45,974	–	-0.08%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-16,487	–	-0.09%	–
IXN	Exit	ISHARES TRglobal tech etf	$0	–	-30,165	–	-0.09%	–
ESGE	Exit	ISHARES INCesg awr msci em	$0	–	-48,765	–	-0.10%	–
VLUE	Exit	ISHARES TRmsci usa value	$0	–	-20,061	–	-0.10%	–
FALN	Exit	ISHARES TRfaln angls usd	$0	–	-68,138	–	-0.10%	–
IGSB	Exit	ISHARES TR	$0	–	-51,035	–	-0.14%	–
USRT	Exit	ISHARES TRcre u s reit etf	$0	–	-53,276	–	-0.16%	–
BND	Exit	VANGUARD BD INDEX FDStotal bnd mrkt	$0	–	-37,353	–	-0.16%	–
VTEB	Exit	VANGUARD MUN BD FDStax exempt bd	$0	–	-61,988	–	-0.17%	–
SPIP	Exit	SPDR SER TRportfli tips etf	$0	–	-114,074	–	-0.18%	–
IWB	Exit	ISHARES TRrus 1000 etf	$0	–	-15,861	–	-0.19%	–
EFG	Exit	ISHARES TReafe grwth etf	$0	–	-36,097	–	-0.19%	–
FREL	Exit	FIDELITY COVINGTON TRUSTmsci rl est etf	$0	–	-132,574	–	-0.20%	–
EFV	Exit	ISHARES TReafe value etf	$0	–	-79,931	–	-0.20%	–
GOVT	Exit	ISHARES TRus treas bd etf	$0	–	-195,780	–	-0.26%	–
SHY	Exit	ISHARES TR1 3 yr treas bd	$0	–	-67,156	–	-0.29%	–
VMBS	Exit	VANGUARD SCOTTSDALE FDSmtg-bkd secs etf	$0	–	-110,909	–	-0.30%	–
BLV	Exit	VANGUARD BD INDEX FDSlong term bond	$0	–	-58,421	–	-0.30%	–
SPTS	Exit	SPDR SER TRportfolio sh tsr	$0	–	-197,481	–	-0.30%	–
SCHZ	Exit	SCHWAB STRATEGIC TRus aggregate b	$0	–	-112,033	–	-0.30%	–
MTUM	Exit	ISHARES TRmsci usa mmentm	$0	–	-35,001	–	-0.31%	–
SPYG	Exit	SPDR SER TRprtflo s&p500 gw	$0	–	-100,070	–	-0.32%	–
BIV	Exit	VANGUARD BD INDEX FDSintermed term	$0	–	-72,646	–	-0.33%	–
TIP	Exit	ISHARES TRtips bd etf	$0	–	-56,084	–	-0.36%	–
SCHE	Exit	SCHWAB STRATEGIC TRemrg mkteq etf	$0	–	-257,827	–	-0.39%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-209,192	–	-0.41%	–
ESGU	Exit	ISHARES TResg awr msci usa	$0	–	-97,839	–	-0.48%	–
VWO	Exit	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$0	–	-205,412	–	-0.51%	–
BSV	Exit	VANGUARD BD INDEX FDSshort trm bond	$0	–	-125,182	–	-0.51%	–
VTI	Exit	VANGUARD INDEX FDStotal stk mkt	$0	–	-54,372	–	-0.60%	–
BNDX	Exit	VANGUARD CHARLOTTE FDStotal int bd etf	$0	–	-208,727	–	-0.60%	–
SCHB	Exit	SCHWAB STRATEGIC TRus brd mkt etf	$0	–	-123,840	–	-0.64%	–
EMB	Exit	ISHARES TRjpmorgan usd emg	$0	–	-130,936	–	-0.72%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-39,094	–	-0.84%	–
VEA	Exit	VANGUARD TAX-MANAGED INTL FDftse dev mkt etf	$0	–	-363,121	–	-0.92%	–
VOO	Exit	VANGUARD INDEX FDS	$0	–	-48,141	–	-0.95%	–
SPAB	Exit	SPDR SER TRportfolio agrgte	$0	–	-656,228	–	-0.98%	–
SPEM	Exit	SPDR INDEX SHS FDSportfolio emg mk	$0	–	-562,997	–	-1.20%	–
SPDW	Exit	SPDR INDEX SHS FDSportfolio devlpd	$0	–	-666,832	–	-1.21%	–
SPTM	Exit	SPDR SER TRportfoli s&p1500	$0	–	-744,918	–	-1.98%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-399,525	–	-2.19%	–
PCY	Exit	INVESCO EXCH TRADED FD TR IIemrng mkt svrg	$0	–	-2,305,577	–	-3.08%	–
IEFA	Exit	ISHARES TRcore msci eafe	$0	–	-869,887	–	-3.24%	–
HYLB	Exit	DBX ETF TRxtrack usd high	$0	–	-1,836,964	–	-3.69%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-1,227,396	–	-3.80%	–
LRGF	Exit	ISHARES TRmsci usa multift	$0	–	-1,902,143	–	-4.02%	–
GEM	Exit	GOLDMAN SACHS ETF TRactivebeta eme	$0	–	-2,714,483	–	-5.05%	–
GSIE	Exit	GOLDMAN SACHS ETF TRactivebeta int	$0	–	-3,201,422	–	-5.49%	–
IUSB	Exit	ISHARES TRcore total usd	$0	–	-2,595,464	–	-6.93%	–
VXF	Exit	VANGUARD INDEX FDSextend mkt etf	$0	–	-760,493	–	-6.96%	–
GSLC	Exit	GOLDMAN SACHS ETF TRactivebeta us lg	$0	–	-1,799,548	–	-7.76%	–
AGG	Exit	ISHARES TRcore us aggbd et	$0	–	-2,027,718	–	-11.68%	–
ITOT	Exit	ISHARES TRcore s&p ttl stk	$0	–	-3,368,334	–	-16.62%	–

Q3 2021

			Value		Shares		↓ Weighting
ITOT	Buy	ISHARES TRcore s&p ttl stk	$331,377,000	+8.6%	3,368,334	+9.0%	16.62%	+3.0%
AGG	Sell	ISHARES TRcore us aggbd et	$232,846,000	-2.8%	2,027,718	-2.4%	11.68%	-7.9%
GSLC	Sell	GOLDMAN SACHS ETF TRactivebeta us lg	$154,815,000	-19.2%	1,799,548	-19.2%	7.76%	-23.4%
VXF	Sell	VANGUARD INDEX FDSextend mkt etf	$138,683,000	-33.2%	760,493	-31.0%	6.96%	-36.7%
IUSB	Buy	ISHARES TRcore total usd	$138,183,000	+3.9%	2,595,464	+4.4%	6.93%	-1.4%
GSIE	Buy	GOLDMAN SACHS ETF TRactivebeta int	$109,393,000	+37.6%	3,201,422	+40.7%	5.49%	+30.5%
GEM	Buy	GOLDMAN SACHS ETF TRactivebeta eme	$100,707,000	+11.6%	2,714,483	+22.7%	5.05%	+5.8%
LRGF	New	ISHARES TRmsci usa multift	$80,156,000	–	1,902,143	–	4.02%	–
IEMG	Buy	ISHARES INCcore msci emkt	$75,804,000	+24.0%	1,227,396	+34.5%	3.80%	+17.6%
HYLB	Buy	DBX ETF TRxtrack usd high	$73,626,000	+19.6%	1,836,964	+20.3%	3.69%	+13.4%
IEFA	Buy	ISHARES TRcore msci eafe	$64,589,000	+6.2%	869,887	+7.1%	3.24%	+0.7%
PCY	Buy	INVESCO EXCH TRADED FD TR IIemrng mkt svrg	$61,490,000	+4.9%	2,305,577	+8.6%	3.08%	-0.5%
IJR	Buy	ISHARES TRcore s&p scp etf	$43,624,000	+7.7%	399,525	+11.4%	2.19%	+2.1%
SPTM	Buy	SPDR SER TRportfoli s&p1500	$39,473,000	+6.7%	744,918	+6.7%	1.98%	+1.3%
SPDW	Buy	SPDR INDEX SHS FDSportfolio devlpd	$24,146,000	+5.6%	666,832	+7.3%	1.21%	+0.2%
SPEM	Buy	SPDR INDEX SHS FDSportfolio emg mk	$23,944,000	+4.5%	562,997	+11.8%	1.20%	-0.8%
SPAB	Buy	SPDR SER TRportfolio agrgte	$19,588,000	+8.4%	656,228	+9.0%	0.98%	+2.8%
VOO	Buy	VANGUARD INDEX FDS	$18,987,000	+14.5%	48,141	+14.2%	0.95%	+8.6%
VEA	Buy	VANGUARD TAX-MANAGED INTL FDftse dev mkt etf	$18,269,000	+6.3%	363,121	+8.4%	0.92%	+0.8%
IVV	Buy	ISHARES TRcore s&p500 etf	$16,843,000	+72.1%	39,094	+71.8%	0.84%	+63.4%
EMB	Buy	ISHARES TRjpmorgan usd emg	$14,411,000	+10.3%	130,936	+12.7%	0.72%	+4.6%
SCHB	Sell	SCHWAB STRATEGIC TRus brd mkt etf	$12,773,000	-3.7%	123,840	-3.3%	0.64%	-8.6%
BNDX	Buy	VANGUARD CHARLOTTE FDStotal int bd etf	$11,889,000	+11.7%	208,727	+12.0%	0.60%	+5.9%
VTI	Sell	VANGUARD INDEX FDStotal stk mkt	$11,864,000	-4.7%	54,372	-4.4%	0.60%	-9.6%
BSV	Buy	VANGUARD BD INDEX FDSshort trm bond	$10,257,000	+11.8%	125,182	+12.1%	0.51%	+6.0%
VWO	Buy	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$10,225,000	-1.3%	205,412	+6.9%	0.51%	-6.4%
ESGU	Buy	ISHARES TResg awr msci usa	$9,633,000	+36.8%	97,839	+36.9%	0.48%	+29.8%
SCHF	Sell	SCHWAB STRATEGIC TRintl eqty etf	$8,088,000	-2.8%	209,192	-0.9%	0.41%	-7.7%
SCHE	Buy	SCHWAB STRATEGIC TRemrg mkteq etf	$7,859,000	-5.5%	257,827	+2.0%	0.39%	-10.5%
TIP	Buy	ISHARES TRtips bd etf	$7,161,000	+58.6%	56,084	+59.0%	0.36%	+50.2%
BIV	Buy	VANGUARD BD INDEX FDSintermed term	$6,497,000	+11.4%	72,646	+12.0%	0.33%	+5.8%
SPYG	Buy	SPDR SER TRprtflo s&p500 gw	$6,406,000	+4.8%	100,070	+3.1%	0.32%	-0.6%
MTUM	Buy	ISHARES TRmsci usa mmentm	$6,146,000	+608.9%	35,001	+600.3%	0.31%	+569.6%
SCHZ	Buy	SCHWAB STRATEGIC TRus aggregate b	$6,079,000	+2.9%	112,033	+3.5%	0.30%	-2.2%
SPTS	Buy	SPDR SER TRportfolio sh tsr	$6,049,000	+10.4%	197,481	+10.5%	0.30%	+4.5%
BLV	Buy	VANGUARD BD INDEX FDSlong term bond	$5,978,000	+11.9%	58,421	+12.7%	0.30%	+6.4%
VMBS	Buy	VANGUARD SCOTTSDALE FDSmtg-bkd secs etf	$5,910,000	+11.2%	110,909	+11.3%	0.30%	+5.3%
SHY	Buy	ISHARES TR1 3 yr treas bd	$5,785,000	+13.7%	67,156	+13.7%	0.29%	+7.8%
GOVT	Sell	ISHARES TRus treas bd etf	$5,194,000	-19.1%	195,780	-18.9%	0.26%	-23.5%
EFV	Buy	ISHARES TReafe value etf	$4,064,000	+1.2%	79,931	+3.0%	0.20%	-3.8%
FREL	Buy	FIDELITY COVINGTON TRUSTmsci rl est etf	$4,030,000	+6.7%	132,574	+6.8%	0.20%	+1.0%
EFG	Buy	ISHARES TReafe grwth etf	$3,843,000	+55.5%	36,097	+56.6%	0.19%	+47.3%
IWB	Sell	ISHARES TRrus 1000 etf	$3,834,000	-3.7%	15,861	-3.5%	0.19%	-8.6%
SPIP	Buy	SPDR SER TRportfli tips etf	$3,548,000	+12.6%	114,074	+12.8%	0.18%	+6.6%
VTEB	Buy	VANGUARD MUN BD FDStax exempt bd	$3,395,000	+44.5%	61,988	+45.8%	0.17%	+37.1%
BND	Sell	VANGUARD BD INDEX FDStotal bnd mrkt	$3,192,000	-6.0%	37,353	-5.5%	0.16%	-11.1%
USRT	Buy	ISHARES TRcre u s reit etf	$3,125,000	+2.7%	53,276	+2.1%	0.16%	-2.5%
IGSB	Sell	ISHARES TR	$2,789,000	-38.3%	51,035	-38.1%	0.14%	-41.4%
FALN	Buy	ISHARES TRfaln angls usd	$2,052,000	+14.4%	68,138	+13.9%	0.10%	+8.4%
VLUE	Buy	ISHARES TRmsci usa value	$2,020,000	-0.2%	20,061	+4.1%	0.10%	-5.6%
ESGE	Sell	ISHARES INCesg awr msci em	$2,021,000	-32.1%	48,765	-26.1%	0.10%	-35.7%
SCHX	Sell	SCHWAB STRATEGIC TRus lrg cap etf	$1,715,000	-3.7%	16,487	-3.8%	0.09%	-8.5%
IXN	Buy	ISHARES TRglobal tech etf	$1,709,000	+170.8%	30,165	+1514.0%	0.09%	+160.6%
COMT	Buy	ISHARES U S ETF TRgsci cmdty stgy	$1,648,000	+9.9%	45,974	+5.7%	0.08%	+5.1%
PXH	Buy	INVESCO EXCH TRADED FD TR IIftse rafi emng	$1,630,000	+35.9%	72,956	+42.0%	0.08%	+30.2%
SCHO	Sell	SCHWAB STRATEGIC TRsht tm us tres	$1,639,000	-0.6%	32,027	-0.5%	0.08%	-5.7%
MBB	Buy	ISHARES TRmbs etf	$1,602,000	+15.9%	14,816	+16.0%	0.08%	+9.6%
VV	Sell	VANGUARD INDEX FDSlarge cap etf	$1,452,000	-18.7%	7,225	-18.8%	0.07%	-22.3%
IXG	Sell	ISHARES TRglobal finls etf	$1,359,000	-10.7%	17,320	-11.6%	0.07%	-15.0%
IJH	Buy	ISHARES TRcore s&p mcp etf	$1,344,000	+2.3%	5,108	+4.4%	0.07%	-2.9%
INTF	Buy	ISHARES TRmsci intl multft	$1,260,000	+28.4%	43,409	+33.0%	0.06%	+21.2%
EUSB	Buy	ISHARES TResg adv ttl usd	$1,247,000	+104.4%	25,153	+104.9%	0.06%	+96.9%
HYG	Sell	ISHARES TRiboxx hi yd etf	$1,232,000	-19.9%	14,092	-19.4%	0.06%	-23.5%
SCHP	Buy	SCHWAB STRATEGIC TRus tips etf	$1,152,000	+3.0%	18,408	+2.9%	0.06%	-1.7%
VUG	Buy	VANGUARD INDEX FDSgrowth etf	$1,148,000	+40.5%	3,955	+38.9%	0.06%	+34.9%
PRF	New	INVESCO EXCHANGE TRADED FD Tftse rafi 1000	$1,115,000	–	7,038	–	0.06%	–
VB	Buy	VANGUARD INDEX FDSsmall cp etf	$1,060,000	+26.6%	4,848	+30.6%	0.05%	+20.5%
VO	Sell	VANGUARD INDEX FDSmid cap etf	$1,022,000	-36.7%	4,318	-36.5%	0.05%	-40.0%
SCHH	Sell	SCHWAB STRATEGIC TRus reit etf	$985,000	-4.0%	21,565	-3.8%	0.05%	-9.3%
USXF	Buy	ISHARES TResg msci usa etf	$976,000	+108.1%	27,014	+109.3%	0.05%	+96.0%
IYE	Sell	ISHARES TRu.s. energy etf	$956,000	-12.5%	33,830	-10.0%	0.05%	-17.2%
IWM	Sell	ISHARES TRrussell 2000 etf	$832,000	-9.3%	3,802	-5.0%	0.04%	-12.5%
ESGD	Buy	ISHARES TResg aw msci eafe	$744,000	+101.6%	9,492	+103.6%	0.04%	+85.0%
VTV	Buy	VANGUARD INDEX FDSvalue etf	$736,000	+49.6%	5,439	+52.0%	0.04%	+42.3%
ESML	Buy	ISHARES TResg aware msci	$653,000	+59.7%	16,748	+65.2%	0.03%	+50.0%
MUB	Buy	ISHARES TRnational mun etf	$593,000	+15.6%	5,105	+16.6%	0.03%	+11.1%
DMXF	Buy	ISHARES TResg eafe etf	$473,000	+68.3%	6,978	+68.3%	0.02%	+60.0%
AAPL	Buy	APPLE INC	$380,000	+6.1%	2,155	+5.1%	0.02%	0.0%
SUSB	Sell	ISHARES TResg awre 1 5 yr	$347,000	-22.4%	13,374	-22.1%	0.02%	-29.2%
VNQ	Sell	VANGUARD INDEX FDSreal estate etf	$243,000	-9.0%	2,525	-8.9%	0.01%	-14.3%
DSI	Exit	ISHARES TRmsci kld400 soc	$0	–	-2,538	–	-0.01%	–
IJS	Exit	ISHARES TRsp smcp600vl etf	$0	–	-35,327	–	-0.20%	–
PKW	Exit	INVESCO EXCHANGE TRADED FD Tbuyback achiev	$0	–	-58,453	–	-0.28%	–

Q2 2021

			Value		Shares		↓ Weighting
ITOT	New	ISHARES TRcore s&p ttl stk	$305,240,000	–	3,090,775	–	16.14%	–
AGG	New	ISHARES TRcore us aggbd et	$239,669,000	–	2,078,094	–	12.67%	–
VXF	New	VANGUARD INDEX FDSextend mkt etf	$207,729,000	–	1,101,484	–	10.98%	–
GSLC	New	GOLDMAN SACHS ETF TRactivebeta us lg	$191,610,000	–	2,227,252	–	10.13%	–
IUSB	New	ISHARES TRcore total usd	$132,972,000	–	2,485,931	–	7.03%	–
GEM	New	GOLDMAN SACHS ETF TRactivebeta eme	$90,273,000	–	2,212,030	–	4.77%	–
GSIE	New	GOLDMAN SACHS ETF TRactivebeta int	$79,499,000	–	2,275,952	–	4.20%	–
HYLB	New	DBX ETF TRxtrack usd high	$61,573,000	–	1,527,483	–	3.26%	–
IEMG	New	ISHARES INCcore msci emkt	$61,147,000	–	912,765	–	3.23%	–
IEFA	New	ISHARES TRcore msci eafe	$60,806,000	–	812,179	–	3.22%	–
PCY	New	INVESCO EXCH TRADED FD TR IIemrng mkt svrg	$58,629,000	–	2,122,701	–	3.10%	–
IJR	New	ISHARES TRcore s&p scp etf	$40,518,000	–	358,631	–	2.14%	–
SPTM	New	SPDR SER TRportfoli s&p1500	$36,981,000	–	698,147	–	1.96%	–
SPEM	New	SPDR INDEX SHS FDSportfolio emg mk	$22,911,000	–	503,545	–	1.21%	–
SPDW	New	SPDR INDEX SHS FDSportfolio devlpd	$22,865,000	–	621,504	–	1.21%	–
SPAB	New	SPDR SER TRportfolio agrgte	$18,068,000	–	602,060	–	0.96%	–
VEA	New	VANGUARD TAX-MANAGED INTL FDftse dev mkt etf	$17,189,000	–	335,061	–	0.91%	–
VOO	New	VANGUARD INDEX FDS	$16,587,000	–	42,151	–	0.88%	–
SCHB	New	SCHWAB STRATEGIC TRus brd mkt etf	$13,265,000	–	128,089	–	0.70%	–
EMB	New	ISHARES TRjpmorgan usd emg	$13,065,000	–	116,170	–	0.69%	–
VTI	New	VANGUARD INDEX FDStotal stk mkt	$12,452,000	–	56,874	–	0.66%	–
BNDX	New	VANGUARD CHARLOTTE FDSintl bd idx etf	$10,642,000	–	186,376	–	0.56%	–
VWO	New	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$10,362,000	–	192,180	–	0.55%	–
IVV	New	ISHARES TRcore s&p500 etf	$9,786,000	–	22,762	–	0.52%	–
BSV	New	VANGUARD BD INDEX FDSshort trm bond	$9,172,000	–	111,635	–	0.48%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$8,314,000	–	252,845	–	0.44%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$8,323,000	–	211,178	–	0.44%	–
ESGU	New	ISHARES TResg awr msci usa	$7,040,000	–	71,491	–	0.37%	–
GOVT	New	ISHARES TRus treas bd etf	$6,422,000	–	241,447	–	0.34%	–
SPYG	New	SPDR SER TRprtflo s&p500 gw	$6,114,000	–	97,088	–	0.32%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$5,908,000	–	108,213	–	0.31%	–
BIV	New	VANGUARD BD INDEX FDSintermed term	$5,833,000	–	64,840	–	0.31%	–
SPTS	New	SPDR SER TRportfolio sh tsr	$5,478,000	–	178,772	–	0.29%	–
BLV	New	VANGUARD BD INDEX FDSlong term bond	$5,342,000	–	51,852	–	0.28%	–
VMBS	New	VANGUARD SCOTTSDALE FDSmortg-back sec	$5,317,000	–	99,617	–	0.28%	–
PKW	New	INVESCO EXCHANGE TRADED FD Tbuyback achiev	$5,275,000	–	58,453	–	0.28%	–
SHY	New	ISHARES TR1 3 yr treas bd	$5,090,000	–	59,083	–	0.27%	–
TIP	New	ISHARES TRtips bd etf	$4,514,000	–	35,264	–	0.24%	–
IGSB	New	ISHARES TR	$4,517,000	–	82,414	–	0.24%	–
EFV	New	ISHARES TReafe value etf	$4,016,000	–	77,581	–	0.21%	–
IWB	New	ISHARES TRrus 1000 etf	$3,980,000	–	16,440	–	0.21%	–
FREL	New	FIDELITY COVINGTON TRUSTmsci rl est etf	$3,778,000	–	124,121	–	0.20%	–
IJS	New	ISHARES TRsp smcp600vl etf	$3,725,000	–	35,327	–	0.20%	–
BND	New	VANGUARD BD INDEX FDStotal bnd mrkt	$3,395,000	–	39,524	–	0.18%	–
SPIP	New	SPDR SER TRportfli tips etf	$3,150,000	–	101,161	–	0.17%	–
USRT	New	ISHARES TRcre u s reit etf	$3,044,000	–	52,180	–	0.16%	–
ESGE	New	ISHARES INCesg awr msci em	$2,978,000	–	65,958	–	0.16%	–
EFG	New	ISHARES TReafe grwth etf	$2,472,000	–	23,047	–	0.13%	–
VTEB	New	VANGUARD MUN BD FDStax exempt bd	$2,350,000	–	42,504	–	0.12%	–
VLUE	New	ISHARES TRmsci usa value	$2,025,000	–	19,275	–	0.11%	–
FALN	New	ISHARES TRfaln angls usd	$1,793,000	–	59,845	–	0.10%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$1,781,000	–	17,130	–	0.09%	–
VV	New	VANGUARD INDEX FDSlarge cap etf	$1,785,000	–	8,894	–	0.09%	–
SCHO	New	SCHWAB STRATEGIC TRsht tm us tres	$1,649,000	–	32,203	–	0.09%	–
VO	New	VANGUARD INDEX FDSmid cap etf	$1,614,000	–	6,801	–	0.08%	–
HYG	New	ISHARES TRiboxx hi yd etf	$1,538,000	–	17,485	–	0.08%	–
IXG	New	ISHARES TRglobal finls etf	$1,521,000	–	19,592	–	0.08%	–
COMT	New	ISHARES U S ETF TRgsci cmdty stgy	$1,500,000	–	43,480	–	0.08%	–
MBB	New	ISHARES TRmbs etf	$1,382,000	–	12,772	–	0.07%	–
IJH	New	ISHARES TRcore s&p mcp etf	$1,314,000	–	4,891	–	0.07%	–
PXH	New	INVESCO EXCH TRADED FD TR IIftse rafi emng	$1,199,000	–	51,363	–	0.06%	–
SCHP	New	SCHWAB STRATEGIC TRus tips etf	$1,118,000	–	17,893	–	0.06%	–
IYE	New	ISHARES TRu.s. energy etf	$1,093,000	–	37,574	–	0.06%	–
SCHH	New	SCHWAB STRATEGIC TRus reit etf	$1,026,000	–	22,411	–	0.05%	–
INTF	New	ISHARES TRmsci intl multft	$981,000	–	32,640	–	0.05%	–
IWM	New	ISHARES TRrussell 2000 etf	$917,000	–	4,000	–	0.05%	–
MTUM	New	ISHARES TRmsci usa mmentm	$867,000	–	4,998	–	0.05%	–
VB	New	VANGUARD INDEX FDSsmall cp etf	$837,000	–	3,713	–	0.04%	–
VUG	New	VANGUARD INDEX FDSgrowth etf	$817,000	–	2,848	–	0.04%	–
IXN	New	ISHARES TRglobal tech etf	$631,000	–	1,869	–	0.03%	–
EUSB	New	ISHARES TResg adv ttl usd	$610,000	–	12,276	–	0.03%	–
MUB	New	ISHARES TRnational mun etf	$513,000	–	4,378	–	0.03%	–
VTV	New	VANGUARD INDEX FDSvalue etf	$492,000	–	3,578	–	0.03%	–
USXF	New	ISHARES TResg msci usa etf	$469,000	–	12,907	–	0.02%	–
SUSB	New	ISHARES TResg awre 1 5 yr	$447,000	–	17,158	–	0.02%	–
ESML	New	ISHARES TResg aware msci	$409,000	–	10,140	–	0.02%	–
ESGD	New	ISHARES TResg aw msci eafe	$369,000	–	4,663	–	0.02%	–
AAPL	New	APPLE INC	$358,000	–	2,051	–	0.02%	–
DMXF	New	ISHARES TResg eafe etf	$281,000	–	4,145	–	0.02%	–
VNQ	New	VANGUARD INDEX FDSreal estate etf	$267,000	–	2,772	–	0.01%	–
DSI	New	ISHARES TRmsci kld400 soc	$210,000	–	2,538	–	0.01%	–

Q4 2020

			Value		Shares		↓ Weighting
TLT	Exit	ISHARES TR20 yr tr bd etf	$0	–	-1,240	–	-0.02%	–
IYG	Exit	ISHARES TRu.s. fin svc etf	$0	–	-2,229	–	-0.02%	–
IEF	Exit	ISHARES TRbarclays 7 10 yr	$0	–	-2,240	–	-0.02%	–
IUSB	Exit	ISHARES TRcore total usd	$0	–	-5,070	–	-0.02%	–
IJH	Exit	ISHARES TRcore s&p mcp etf	$0	–	-1,522	–	-0.02%	–
USMV	Exit	ISHARES TRmsci usa min vol	$0	–	-6,434	–	-0.04%	–
VB	Exit	VANGUARD INDEX FDSsmall cp etf	$0	–	-2,741	–	-0.04%	–
IHI	Exit	ISHARES TRu.s. med dvc etf	$0	–	-1,446	–	-0.04%	–
MTUM	Exit	ISHARES TRmsci usa mmentm	$0	–	-3,213	–	-0.04%	–
MUB	Exit	ISHARES TRnational mun etf	$0	–	-4,172	–	-0.04%	–
IXN	Exit	ISHARES TRglobal tech etf	$0	–	-1,926	–	-0.05%	–
SCHH	Exit	SCHWAB STRATEGIC TRus reit etf	$0	–	-14,924	–	-0.05%	–
NEAR	Exit	ISHARES U S ETF TRsht mat bd etf	$0	–	-11,052	–	-0.05%	–
IWM	Exit	ISHARES TRrussell 2000 etf	$0	–	-4,001	–	-0.05%	–
BND	Exit	VANGUARD BD INDEX FDStotal bnd mrkt	$0	–	-7,172	–	-0.06%	–
VLUE	Exit	ISHARES TRmsci usa value	$0	–	-9,265	–	-0.06%	–
INTF	Exit	ISHARES TRmsci intl multft	$0	–	-28,885	–	-0.06%	–
SPYG	Exit	SPDR SER TRprtflo s&p500 gw	$0	–	-14,725	–	-0.07%	–
PXH	Exit	INVESCO EXCH TRADED FD TR IIftse rafi emng	$0	–	-44,958	–	-0.07%	–
SCHP	Exit	SCHWAB STRATEGIC TRus tips etf	$0	–	-13,070	–	-0.07%	–
ESGE	Exit	ISHARES INCesg awr msci em	$0	–	-23,878	–	-0.08%	–
HYG	Exit	ISHARES TRiboxx hi yd etf	$0	–	-10,729	–	-0.08%	–
SHYG	Exit	ISHARES TR0-5yr hi yl cp	$0	–	-21,886	–	-0.09%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-12,034	–	-0.09%	–
VO	Exit	VANGUARD INDEX FDSmid cap etf	$0	–	-5,584	–	-0.09%	–
SCHO	Exit	SCHWAB STRATEGIC TRsht tm us tres	$0	–	-19,696	–	-0.09%	–
VV	Exit	VANGUARD INDEX FDSlarge cap etf	$0	–	-7,365	–	-0.10%	–
EFG	Exit	ISHARES TReafe grwth etf	$0	–	-13,726	–	-0.11%	–
IGSB	Exit	ISHARES TR	$0	–	-25,889	–	-0.13%	–
ESGU	Exit	ISHARES TResg awr msci usa	$0	–	-22,411	–	-0.15%	–
BIV	Exit	VANGUARD BD INDEX FDSintermed term	$0	–	-21,212	–	-0.18%	–
USRT	Exit	ISHARES TRcre u s reit etf	$0	–	-48,399	–	-0.19%	–
BLV	Exit	VANGUARD BD INDEX FDSlong term bond	$0	–	-18,989	–	-0.19%	–
VMBS	Exit	VANGUARD SCOTTSDALE FDSmortg-back sec	$0	–	-40,583	–	-0.20%	–
SPIP	Exit	SPDR SER TRportfli tips etf	$0	–	-74,823	–	-0.21%	–
FREL	Exit	FIDELITY COVINGTON TRUSTmsci rl est etf	$0	–	-103,893	–	-0.22%	–
GOVT	Exit	ISHARES TRus treas bd etf	$0	–	-90,191	–	-0.23%	–
LQD	Exit	ISHARES TRiboxx inv cp etf	$0	–	-20,073	–	-0.25%	–
IWB	Exit	ISHARES TRrus 1000 etf	$0	–	-15,121	–	-0.26%	–
TIP	Exit	ISHARES TRtips bd etf	$0	–	-25,814	–	-0.30%	–
BSV	Exit	VANGUARD BD INDEX FDSshort trm bond	$0	–	-43,817	–	-0.33%	–
SHY	Exit	ISHARES TR1 3 yr treas bd	$0	–	-43,864	–	-0.34%	–
SCHZ	Exit	SCHWAB STRATEGIC TRus aggregate b	$0	–	-71,562	–	-0.37%	–
SPTS	Exit	SPDR SER TRportfolio sh tsr	$0	–	-138,359	–	-0.39%	–
BNDX	Exit	VANGUARD CHARLOTTE FDSintl bd idx etf	$0	–	-73,514	–	-0.39%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-13,349	–	-0.40%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-156,300	–	-0.45%	–
SCHE	Exit	SCHWAB STRATEGIC TRemrg mkteq etf	$0	–	-193,502	–	-0.46%	–
VOO	Exit	VANGUARD INDEX FDS	$0	–	-20,802	–	-0.58%	–
VWO	Exit	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$0	–	-151,611	–	-0.59%	–
SCHB	Exit	SCHWAB STRATEGIC TRus brd mkt etf	$0	–	-103,332	–	-0.74%	–
EMB	Exit	ISHARES TRjpmorgan usd emg	$0	–	-76,901	–	-0.77%	–
VEA	Exit	VANGUARD TAX-MANAGED INTL FDftse dev mkt etf	$0	–	-221,974	–	-0.83%	–
VTI	Exit	VANGUARD INDEX FDStotal stk mkt	$0	–	-55,084	–	-0.84%	–
SPAB	Exit	SPDR SER TRportfolio agrgte	$0	–	-433,141	–	-1.22%	–
SPEM	Exit	SPDR INDEX SHS FDSportfolio emg mk	$0	–	-372,565	–	-1.22%	–
SPDW	Exit	SPDR INDEX SHS FDSportfolio devlpd	$0	–	-464,337	–	-1.24%	–
VCSH	Exit	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$0	–	-233,796	–	-1.76%	–
SPTM	Exit	SPDR SER TRportfoli s&p1500	$0	–	-531,822	–	-1.96%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-324,355	–	-2.07%	–
PCY	Exit	INVESCO EXCH TRADED FD TR IIemrng mkt svrg	$0	–	-1,285,476	–	-3.16%	–
HYLB	Exit	DBX ETF TRxtrack usd high	$0	–	-747,109	–	-3.26%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-708,064	–	-3.35%	–
IEFA	Exit	ISHARES TRcore msci eafe	$0	–	-610,416	–	-3.36%	–
GSIE	Exit	GOLDMAN SACHS ETF TRactivebeta int	$0	–	-1,646,350	–	-4.23%	–
GEM	Exit	GOLDMAN SACHS ETF TRactivebeta eme	$0	–	-1,616,796	–	-4.75%	–
GSLC	Exit	GOLDMAN SACHS ETF TRactivebeta us lg	$0	–	-1,639,732	–	-10.08%	–
VXF	Exit	VANGUARD INDEX FDSextend mkt etf	$0	–	-1,028,611	–	-12.07%	–
ITOT	Exit	ISHARES TRcore s&p ttl stk	$0	–	-2,443,335	–	-16.66%	–
AGG	Exit	ISHARES TRcore us aggbd et	$0	–	-1,668,560	–	-17.96%	–

Q3 2020

			Value		Shares		↓ Weighting
AGG	Buy	ISHARES TRcore us aggbd et	$197,306,000	+17.1%	1,668,560	+17.1%	17.96%	-0.3%
ITOT	Buy	ISHARES TRcore s&p ttl stk	$183,078,000	+15.8%	2,443,335	+7.3%	16.66%	-1.4%
VXF	Buy	VANGUARD INDEX FDSextend mkt etf	$132,629,000	+16.2%	1,028,611	+6.6%	12.07%	-1.1%
GSLC	Buy	GOLDMAN SACHS ETF TRactivebeta us lg	$110,681,000	+17.8%	1,639,732	+9.3%	10.08%	+0.3%
GEM	Buy	GOLDMAN SACHS ETF TRactivebeta eme	$52,223,000	+17.4%	1,616,796	+10.1%	4.75%	-0.0%
GSIE	Buy	GOLDMAN SACHS ETF TRactivebeta int	$46,427,000	+17.4%	1,646,350	+10.7%	4.23%	-0.1%
IEFA	Buy	ISHARES TRcore msci eafe	$36,949,000	+13.9%	610,416	+7.6%	3.36%	-3.0%
IEMG	Buy	ISHARES INCcore msci emkt	$36,812,000	+15.7%	708,064	+5.9%	3.35%	-1.5%
HYLB	Buy	DBX ETF TRxtrack usd high	$35,801,000	+17.2%	747,109	+14.4%	3.26%	-0.2%
PCY	Buy	INVESCO EXCH TRADED FD TR IIemrng mkt svrg	$34,734,000	+12.8%	1,285,476	+11.8%	3.16%	-4.0%
IJR	Buy	ISHARES TRcore s&p scp etf	$22,714,000	+12.2%	324,355	+9.4%	2.07%	-4.5%
SPTM	Buy	SPDR SER TRportfoli s&p1500	$21,586,000	+9.0%	531,822	+1.5%	1.96%	-7.2%
VCSH	Buy	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$19,368,000	+19.6%	233,796	+19.4%	1.76%	+1.8%
SPDW	Buy	SPDR INDEX SHS FDSportfolio devlpd	$13,633,000	+12.3%	464,337	+5.7%	1.24%	-4.4%
SPEM	Buy	SPDR INDEX SHS FDSportfolio emg mk	$13,410,000	+11.4%	372,565	+3.6%	1.22%	-5.1%
SPAB	Buy	SPDR SER TRportfolio agrgte	$13,363,000	+9.8%	433,141	+9.8%	1.22%	-6.5%
VTI	Sell	VANGUARD INDEX FDStotal stk mkt	$9,256,000	+4.5%	55,084	-3.0%	0.84%	-11.0%
VEA	Buy	VANGUARD TAX-MANAGED INTL FDftse dev mkt etf	$9,087,000	+23.2%	221,974	+16.6%	0.83%	+4.8%
EMB	Buy	ISHARES TRjpmorgan usd emg	$8,486,000	+8.1%	76,901	+7.0%	0.77%	-8.1%
SCHB	Buy	SCHWAB STRATEGIC TRus brd mkt etf	$8,127,000	+17.7%	103,332	+9.4%	0.74%	+0.3%
VWO	Buy	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$6,442,000	+12.6%	151,611	+4.8%	0.59%	-4.2%
VOO	Buy	VANGUARD INDEX FDS	$6,351,000	+73.6%	20,802	+61.2%	0.58%	+47.8%
SCHE	Buy	SCHWAB STRATEGIC TRemrg mkteq etf	$5,099,000	+18.9%	193,502	+9.9%	0.46%	+1.3%
SCHF	Buy	SCHWAB STRATEGIC TRintl eqty etf	$4,927,000	+18.4%	156,300	+11.7%	0.45%	+0.7%
IVV	Buy	ISHARES TRcore s&p500 etf	$4,452,000	+133.5%	13,349	+116.8%	0.40%	+98.5%
BNDX	Buy	VANGUARD CHARLOTTE FDSintl bd idx etf	$4,283,000	+104.9%	73,514	+103.1%	0.39%	+74.9%
SPTS	Buy	SPDR SER TRportfolio sh tsr	$4,249,000	+7.4%	138,359	+7.5%	0.39%	-8.5%
SCHZ	Buy	SCHWAB STRATEGIC TRus aggregate b	$4,022,000	+14.2%	71,562	+14.3%	0.37%	-2.9%
SHY	Buy	ISHARES TR1 3 yr treas bd	$3,794,000	+2.4%	43,864	+2.5%	0.34%	-12.9%
BSV	Buy	VANGUARD BD INDEX FDSshort trm bond	$3,639,000	+100.6%	43,817	+100.7%	0.33%	+70.6%
TIP	Buy	ISHARES TRtips bd etf	$3,275,000	+7.9%	25,814	+4.6%	0.30%	-8.0%
IWB	Sell	ISHARES TRrus 1000 etf	$2,807,000	+6.4%	15,121	-1.6%	0.26%	-9.2%
LQD	Buy	ISHARES TRiboxx inv cp etf	$2,705,000	+64.9%	20,073	+64.6%	0.25%	+40.6%
GOVT	Buy	ISHARES TRus treas bd etf	$2,525,000	+66.7%	90,191	+66.7%	0.23%	+42.0%
FREL	Buy	FIDELITY COVINGTON TRUSTmsci rl est etf	$2,432,000	+4.9%	103,893	+4.8%	0.22%	-10.9%
SPIP	Buy	SPDR SER TRportfli tips etf	$2,317,000	+15.7%	74,823	+12.6%	0.21%	-1.4%
VMBS	Buy	VANGUARD SCOTTSDALE FDSmortg-back sec	$2,202,000	+99.6%	40,583	+100.0%	0.20%	+69.5%
BLV	Buy	VANGUARD BD INDEX FDSlong term bond	$2,134,000	+105.4%	18,989	+104.1%	0.19%	+74.8%
USRT	Buy	ISHARES TRcre u s reit etf	$2,115,000	+5.5%	48,399	+4.9%	0.19%	-9.8%
BIV	Buy	VANGUARD BD INDEX FDSintermed term	$1,985,000	+102.3%	21,212	+101.6%	0.18%	+72.4%
ESGU	Buy	ISHARES TResg awr msci usa	$1,696,000	+75.9%	22,411	+62.7%	0.15%	+49.5%
IGSB	Buy	ISHARES TR	$1,421,000	+67.4%	25,889	+66.9%	0.13%	+41.8%
EFG	Buy	ISHARES TReafe grwth etf	$1,241,000	+77.8%	13,726	+63.5%	0.11%	+50.7%
VV	Sell	VANGUARD INDEX FDSlarge cap etf	$1,143,000	-2.1%	7,365	-9.8%	0.10%	-16.8%
SCHO	Buy	SCHWAB STRATEGIC TRsht tm us tres	$1,015,000	+21.7%	19,696	+22.0%	0.09%	+3.4%
VO	Buy	VANGUARD INDEX FDSmid cap etf	$978,000	+15.1%	5,584	+7.7%	0.09%	-2.2%
SCHX	Sell	SCHWAB STRATEGIC TRus lrg cap etf	$963,000	+6.4%	12,034	-1.4%	0.09%	-9.3%
SHYG	Buy	ISHARES TR0-5yr hi yl cp	$958,000	+70.8%	21,886	+67.2%	0.09%	+45.0%
HYG	Buy	ISHARES TRiboxx hi yd etf	$897,000	+17.1%	10,729	+14.3%	0.08%	0.0%
ESGE	Buy	ISHARES INCesg awr msci em	$837,000	+74.0%	23,878	+59.3%	0.08%	+49.0%
SCHP	Buy	SCHWAB STRATEGIC TRus tips etf	$807,000	+19.0%	13,070	+15.6%	0.07%	+1.4%
PXH	Sell	INVESCO EXCH TRADED FD TR IIftse rafi emng	$779,000	-9.0%	44,958	-9.2%	0.07%	-22.8%
SPYG	New	SPDR SER TRprtflo s&p500 gw	$733,000	–	14,725	–	0.07%	–
INTF	Sell	ISHARES TRmsci intl multft	$705,000	+2.8%	28,885	-3.5%	0.06%	-12.3%
VLUE	Buy	ISHARES TRmsci usa value	$680,000	+70.9%	9,265	+68.1%	0.06%	+44.2%
BND	Buy	VANGUARD BD INDEX FDStotal bnd mrkt	$634,000	+1.3%	7,172	+1.2%	0.06%	-13.4%
IWM	Buy	ISHARES TRrussell 2000 etf	$597,000	+15.5%	4,001	+10.8%	0.05%	-1.8%
NEAR	Buy	ISHARES U S ETF TRsht mat bd etf	$554,000	+64.4%	11,052	+64.2%	0.05%	+38.9%
SCHH	Buy	SCHWAB STRATEGIC TRus reit etf	$527,000	+21.4%	14,924	+21.2%	0.05%	+4.3%
IXN	Buy	ISHARES TRglobal tech etf	$505,000	+76.6%	1,926	+58.5%	0.05%	+48.4%
MUB	Buy	ISHARES TRnational mun etf	$484,000	+3.6%	4,172	+3.2%	0.04%	-12.0%
MTUM	New	ISHARES TRmsci usa mmentm	$469,000	–	3,213	–	0.04%	–
IHI	Buy	ISHARES TRu.s. med dvc etf	$426,000	+80.5%	1,446	+62.5%	0.04%	+56.0%
VB	Sell	VANGUARD INDEX FDSsmall cp etf	$420,000	-3.9%	2,741	-8.6%	0.04%	-19.1%
USMV	Buy	ISHARES TRmsci usa min vol	$408,000	+72.2%	6,434	+64.3%	0.04%	+48.0%
IUSB	New	ISHARES TRcore total usd	$276,000	–	5,070	–	0.02%	–
IJH	New	ISHARES TRcore s&p mcp etf	$280,000	–	1,522	–	0.02%	–
IEF	New	ISHARES TRbarclays 7 10 yr	$274,000	–	2,240	–	0.02%	–
IYG	New	ISHARES TRu.s. fin svc etf	$269,000	–	2,229	–	0.02%	–
TLT	New	ISHARES TR20 yr tr bd etf	$205,000	–	1,240	–	0.02%	–

Q2 2020

			Value		Shares		↓ Weighting
AGG	New	ISHARES TRcore us aggbd et	$168,499,000	–	1,425,437	–	18.02%	–
ITOT	New	ISHARES TRcore s&p ttl stk	$158,145,000	–	2,277,455	–	16.91%	–
VXF	New	VANGUARD INDEX FDSextend mkt etf	$114,154,000	–	964,640	–	12.20%	–
GSLC	New	GOLDMAN SACHS ETF TRactivebeta us lg	$93,929,000	–	1,500,479	–	10.04%	–
GEM	New	GOLDMAN SACHS ETF TRactivebeta eme	$44,479,000	–	1,468,439	–	4.76%	–
GSIE	New	GOLDMAN SACHS ETF TRactivebeta int	$39,554,000	–	1,487,535	–	4.23%	–
IEFA	New	ISHARES TRcore msci eafe	$32,431,000	–	567,348	–	3.47%	–
IEMG	New	ISHARES INCcore msci emkt	$31,822,000	–	668,509	–	3.40%	–
PCY	New	INVESCO EXCH TRADED FD TR IIemrng mkt svrg	$30,803,000	–	1,150,237	–	3.29%	–
HYLB	New	DBX ETF TRxtrack usd high	$30,543,000	–	653,320	–	3.27%	–
IJR	New	ISHARES TRcore s&p scp etf	$20,251,000	–	296,550	–	2.16%	–
SPTM	New	SPDR SER TRportfoli s&p1500	$19,796,000	–	523,983	–	2.12%	–
VCSH	New	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$16,190,000	–	195,867	–	1.73%	–
SPAB	New	SPDR SER TRportfolio agrgte	$12,171,000	–	394,380	–	1.30%	–
SPDW	New	SPDR INDEX SHS FDSportfolio devlpd	$12,137,000	–	439,439	–	1.30%	–
SPEM	New	SPDR INDEX SHS FDSportfolio emg mk	$12,037,000	–	359,742	–	1.29%	–
VTI	New	VANGUARD INDEX FDStotal stk mkt	$8,854,000	–	56,786	–	0.95%	–
EMB	New	ISHARES TRjpmorgan usd emg	$7,853,000	–	71,898	–	0.84%	–
VEA	New	VANGUARD TAX-MANAGED FDSftse dev mkt etf	$7,377,000	–	190,314	–	0.79%	–
SCHB	New	SCHWAB STRATEGIC TRus brd mkt etf	$6,904,000	–	94,492	–	0.74%	–
VWO	New	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$5,722,000	–	144,628	–	0.61%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$4,288,000	–	176,093	–	0.46%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$4,163,000	–	139,937	–	0.44%	–
SPTS	New	SPDR SER TRportfolio sh tsr	$3,956,000	–	128,762	–	0.42%	–
SHY	New	ISHARES TR1 3 yr treas bd	$3,705,000	–	42,782	–	0.40%	–
VOO	New	VANGUARD INDEX FDS	$3,658,000	–	12,905	–	0.39%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$3,522,000	–	62,629	–	0.38%	–
TIP	New	ISHARES TRtips bd etf	$3,035,000	–	24,677	–	0.32%	–
IWB	New	ISHARES TRrus 1000 etf	$2,637,000	–	15,363	–	0.28%	–
FREL	New	FIDELITY COVINGTON TRmsci rl est etf	$2,319,000	–	99,174	–	0.25%	–
BNDX	New	VANGUARD CHARLOTTE FDSintl bd idx etf	$2,090,000	–	36,204	–	0.22%	–
SPIP	New	SPDR SER TRportfli tips etf	$2,002,000	–	66,428	–	0.21%	–
USRT	New	ISHARES TRcre u s reit etf	$2,005,000	–	46,119	–	0.21%	–
IVV	New	ISHARES TRcore s&p500 etf	$1,907,000	–	6,157	–	0.20%	–
BSV	New	VANGUARD BD INDEX FDSshort trm bond	$1,814,000	–	21,828	–	0.19%	–
LQD	New	ISHARES TRiboxx inv cp etf	$1,640,000	–	12,196	–	0.18%	–
GOVT	New	ISHARES TRus treas bd etf	$1,515,000	–	54,118	–	0.16%	–
VV	New	VANGUARD INDEX FDSlarge cap etf	$1,167,000	–	8,162	–	0.12%	–
VMBS	New	VANGUARD SCOTTSDALE FDSmortg-back sec	$1,103,000	–	20,294	–	0.12%	–
BLV	New	VANGUARD BD INDEX FDSlong term bond	$1,039,000	–	9,302	–	0.11%	–
BIV	New	VANGUARD BD INDEX FDSintermed term	$981,000	–	10,523	–	0.10%	–
ESGU	New	ISHARES TResg msci usa etf	$964,000	–	13,771	–	0.10%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$905,000	–	12,208	–	0.10%	–
PXH	New	INVESCO EXCH TRADED FD TR IIftse rafi emng	$856,000	–	49,500	–	0.09%	–
VO	New	VANGUARD INDEX FDSmid cap etf	$850,000	–	5,187	–	0.09%	–
IGSB	New	ISHARES TRsh tr crport etf	$849,000	–	15,515	–	0.09%	–
SCHO	New	SCHWAB STRATEGIC TRsht tm us tres	$834,000	–	16,148	–	0.09%	–
HYG	New	ISHARES TRiboxx hi yd etf	$766,000	–	9,389	–	0.08%	–
EFG	New	ISHARES TReafe grwth etf	$698,000	–	8,394	–	0.08%	–
INTF	New	ISHARES TRmultifactor intl	$686,000	–	29,923	–	0.07%	–
SCHP	New	SCHWAB STRATEGIC TRus tips etf	$678,000	–	11,304	–	0.07%	–
BND	New	VANGUARD BD INDEX FDStotal bnd mrkt	$626,000	–	7,089	–	0.07%	–
SHYG	New	ISHARES TR0-5yr hi yl cp	$561,000	–	13,089	–	0.06%	–
IWM	New	ISHARES TRrussell 2000 etf	$517,000	–	3,610	–	0.06%	–
ESGE	New	ISHARES INCesg msci em etf	$481,000	–	14,990	–	0.05%	–
MUB	New	ISHARES TRnational mun etf	$467,000	–	4,044	–	0.05%	–
VB	New	VANGUARD INDEX FDSsmall cp etf	$437,000	–	2,998	–	0.05%	–
SCHH	New	SCHWAB STRATEGIC TRus reit etf	$434,000	–	12,314	–	0.05%	–
VLUE	New	ISHARES TRedge msci usa vl	$398,000	–	5,513	–	0.04%	–
NEAR	New	ISHARES U S ETF TRsht mat bd etf	$337,000	–	6,729	–	0.04%	–
IXN	New	ISHARES TRglobal tech etf	$286,000	–	1,215	–	0.03%	–
USMV	New	ISHARES TRmsci min vol etf	$237,000	–	3,916	–	0.02%	–
IHI	New	ISHARES TRu.s. med dvc etf	$236,000	–	890	–	0.02%	–

Q4 2019

			Value		Shares		↓ Weighting
PXH	Exit	INVESCO EXCHNG TRADED FD TRftse rafi emng	$0	–	-12,042	–	-0.03%	–
MUB	Exit	ISHARES TRnational mun etf	$0	–	-2,819	–	-0.05%	–
VV	Exit	VANGUARD INDEX FDSlarge cap etf	$0	–	-3,593	–	-0.07%	–
SCHH	Exit	SCHWAB STRATEGIC TRus reit etf	$0	–	-12,732	–	-0.09%	–
BND	Exit	VANGUARD BD INDEX FD INCtotal bnd mrkt	$0	–	-7,253	–	-0.09%	–
VB	Exit	VANGUARD INDEX FDSsmall cp etf	$0	–	-3,973	–	-0.09%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-10,765	–	-0.11%	–
SCHP	Exit	SCHWAB STRATEGIC TRus tips etf	$0	–	-14,067	–	-0.11%	–
VO	Exit	VANGUARD INDEX FDSmid cap etf	$0	–	-5,381	–	-0.13%	–
SCHO	Exit	SCHWAB STRATEGIC TRsht tm us tres	$0	–	-19,492	–	-0.14%	–
SPIP	Exit	SPDR SERIES TRUSTportfli tips etf	$0	–	-55,871	–	-0.23%	–
IWM	Exit	ISHARES TRrussell 2000 etf	$0	–	-11,545	–	-0.25%	–
USRT	Exit	ISHARES TRcre u s reit etf	$0	–	-37,432	–	-0.30%	–
IWB	Exit	ISHARES TRrus 1000 etf	$0	–	-13,861	–	-0.32%	–
FREL	Exit	FIDELITY COVINGTON TRmsci rl est etf	$0	–	-95,160	–	-0.38%	–
TIP	Exit	ISHARES TRtips bd etf	$0	–	-26,201	–	-0.43%	–
SHY	Exit	ISHARES TR1 3 yr treas bd	$0	–	-40,498	–	-0.49%	–
SPTS	Exit	SPDR SERIES TRUSTportfolio sh tsr	$0	–	-121,342	–	-0.52%	–
SCHZ	Exit	SCHWAB STRATEGIC TRus aggregate b	$0	–	-73,966	–	-0.57%	–
SCHE	Exit	SCHWAB STRATEGIC TRemrg mkteq etf	$0	–	-173,375	–	-0.62%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-139,920	–	-0.64%	–
VEA	Exit	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$0	–	-128,717	–	-0.75%	–
VWO	Exit	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$0	–	-132,304	–	-0.76%	–
EMB	Exit	ISHARES TRjpmorgan usd emg	$0	–	-59,736	–	-0.96%	–
SCHB	Exit	SCHWAB STRATEGIC TRus brd mkt etf	$0	–	-107,111	–	-1.08%	–
VTI	Exit	VANGUARD INDEX FDStotal stk mkt	$0	–	-68,024	–	-1.46%	–
SPEM	Exit	SPDR INDEX SHS FDSportfolio emg mk	$0	–	-308,388	–	-1.50%	–
SPDW	Exit	SPDR INDEX SHS FDSportfolio devlpd	$0	–	-372,645	–	-1.56%	–
SPAB	Exit	SPDR SERIES TRUSTportfolio agrgte	$0	–	-375,785	–	-1.59%	–
VCSH	Exit	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$0	–	-144,442	–	-1.67%	–
SPTM	Exit	SPDR SERIES TRUSTportfolio tl stk	$0	–	-455,376	–	-2.38%	–
PCY	Exit	INVESCO EXCHNG TRADED FD TRemrng mkt svrg	$0	–	-827,553	–	-3.43%	–
HYLB	Exit	DBX ETF TRxtrack usd high	$0	–	-498,459	–	-3.55%	–
ITOT	Exit	ISHARES TRcore s&p ttl stk	$0	–	-381,239	–	-3.64%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-535,366	–	-3.74%	–
IEFA	Exit	ISHARES TRcore msci eafe	$0	–	-447,576	–	-3.89%	–
GSIE	Exit	GOLDMAN SACHS ETF TRactivebeta int	$0	–	-1,044,422	–	-4.21%	–
GEM	Exit	GOLDMAN SACHS ETF TRactivebeta eme	$0	–	-1,062,165	–	-4.74%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-592,580	–	-6.57%	–
IJH	Exit	ISHARES TRcore s&p mcp etf	$0	–	-283,814	–	-7.81%	–
GSLC	Exit	GOLDMAN SACHS ETF TRequity etf	$0	–	-1,086,322	–	-9.26%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-266,921	–	-11.34%	–
AGG	Exit	ISHARES TRcore us aggbd et	$0	–	-1,146,075	–	-18.46%	–

Q3 2019

			Value		Shares		↓ Weighting
AGG	Buy	ISHARES TRcore us aggbd et	$129,701,000	+30.0%	1,146,075	+27.9%	18.46%	+18.8%
IVV	Buy	ISHARES TRcore s&p500 etf	$79,682,000	+68.1%	266,921	+66.0%	11.34%	+53.6%
GSLC	Buy	GOLDMAN SACHS ETF TRequity etf	$65,060,000	+25.1%	1,086,322	+22.7%	9.26%	+14.3%
IJH	Buy	ISHARES TRcore s&p mcp etf	$54,842,000	+13.2%	283,814	+13.8%	7.81%	+3.5%
IJR	Buy	ISHARES TRcore s&p scp etf	$46,126,000	+14.6%	592,580	+15.2%	6.57%	+4.7%
GEM	Buy	GOLDMAN SACHS ETF TRactivebeta eme	$33,309,000	+59.5%	1,062,165	+67.2%	4.74%	+45.8%
GSIE	Buy	GOLDMAN SACHS ETF TRactivebeta int	$29,547,000	+16.0%	1,044,422	+17.6%	4.21%	+6.0%
IEFA	Buy	ISHARES TRcore msci eafe	$27,333,000	+7.6%	447,576	+8.2%	3.89%	-1.7%
IEMG	Buy	ISHARES INCcore msci emkt	$26,243,000	+3.3%	535,366	+8.4%	3.74%	-5.6%
ITOT	Buy	ISHARES TRcore s&p ttl stk	$25,569,000	+7.3%	381,239	+6.6%	3.64%	-2.0%
HYLB	New	DBX ETF TRxtrack usd high	$24,963,000	–	498,459	–	3.55%	–
PCY	Buy	INVESCO EXCHNG TRADED FD TRemrng mkt svrg	$24,124,000	+7.2%	827,553	+6.8%	3.43%	-2.0%
SPTM	Buy	SPDR SERIES TRUSTportfolio tl stk	$16,730,000	+5.0%	455,376	+4.2%	2.38%	-4.1%
VCSH	Buy	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$11,707,000	+16.9%	144,442	+16.3%	1.67%	+6.8%
SPAB	Buy	SPDR SERIES TRUSTportfolio agrgte	$11,138,000	+2.1%	375,785	+0.5%	1.59%	-6.7%
SPDW	Buy	SPDR INDEX SHS FDSportfolio devlpd	$10,941,000	+4.6%	372,645	+5.4%	1.56%	-4.4%
SPEM	Buy	SPDR INDEX SHS FDSportfolio emg mk	$10,572,000	+4.1%	308,388	+8.7%	1.50%	-4.9%
VTI	Sell	VANGUARD INDEX FDStotal stk mkt	$10,245,000	-5.5%	68,024	-6.1%	1.46%	-13.7%
SCHB	Buy	SCHWAB STRATEGIC TRus brd mkt etf	$7,605,000	+2.6%	107,111	+1.9%	1.08%	-6.2%
EMB	Buy	ISHARES TRjpmorgan usd emg	$6,771,000	+1.5%	59,736	+1.4%	0.96%	-7.3%
VWO	Sell	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$5,320,000	-7.9%	132,304	-2.8%	0.76%	-15.9%
VEA	Sell	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$5,281,000	-4.9%	128,717	-3.4%	0.75%	-13.1%
SCHF	Buy	SCHWAB STRATEGIC TRintl eqty etf	$4,457,000	+2.6%	139,920	+3.3%	0.64%	-6.2%
SCHE	Buy	SCHWAB STRATEGIC TRemrg mkteq etf	$4,357,000	+3.8%	173,375	+8.3%	0.62%	-5.2%
SCHZ	Buy	SCHWAB STRATEGIC TRus aggregate b	$3,983,000	+9.6%	73,966	+7.9%	0.57%	+0.2%
SPTS	Buy	SPDR SERIES TRUSTportfolio sh tsr	$3,643,000	+0.2%	121,342	+0.1%	0.52%	-8.5%
SHY	Sell	ISHARES TR1 3 yr treas bd	$3,435,000	-3.2%	40,498	-3.2%	0.49%	-11.6%
TIP	Sell	ISHARES TRtips bd etf	$3,047,000	-3.9%	26,201	-4.5%	0.43%	-12.1%
FREL	Sell	FIDELITY COVINGTON TRmsci rl est etf	$2,655,000	+3.5%	95,160	-2.8%	0.38%	-5.3%
IWB	Sell	ISHARES TRrus 1000 etf	$2,281,000	-8.1%	13,861	-9.1%	0.32%	-16.0%
USRT	Buy	ISHARES TRcre u s reit etf	$2,079,000	+8.6%	37,432	+1.7%	0.30%	-0.7%
IWM	Sell	ISHARES TRrussell 2000 etf	$1,747,000	-3.4%	11,545	-0.8%	0.25%	-11.7%
SPIP	Buy	SPDR SERIES TRUSTportfli tips etf	$1,593,000	+7.1%	55,871	+112.4%	0.23%	-2.2%
SCHO	Buy	SCHWAB STRATEGIC TRsht tm us tres	$986,000	+7.1%	19,492	+7.0%	0.14%	-2.1%
VO	Buy	VANGUARD INDEX FDSmid cap etf	$902,000	+15.3%	5,381	+15.0%	0.13%	+4.9%
SCHP	Buy	SCHWAB STRATEGIC TRus tips etf	$798,000	+11.1%	14,067	+10.4%	0.11%	+1.8%
SCHX	Sell	SCHWAB STRATEGIC TRus lrg cap etf	$763,000	+0.8%	10,765	-0.2%	0.11%	-7.6%
BND	Buy	VANGUARD BD INDEX FD INCtotal bnd mrkt	$612,000	+5.2%	7,253	+3.5%	0.09%	-4.4%
VB	Sell	VANGUARD INDEX FDSsmall cp etf	$611,000	-6.1%	3,973	-4.3%	0.09%	-13.9%
SCHH	Buy	SCHWAB STRATEGIC TRus reit etf	$601,000	+13.8%	12,732	+7.1%	0.09%	+4.9%
VV	Buy	VANGUARD INDEX FDSlarge cap etf	$490,000	+3.2%	3,593	+1.9%	0.07%	-5.4%
MUB	Sell	ISHARES TRnational mun etf	$322,000	-11.3%	2,819	-12.3%	0.05%	-19.3%
PXH	Buy	INVESCO EXCHNG TRADED FD TRftse rafi emng	$242,000	+8.5%	12,042	+16.8%	0.03%	-2.9%
RWO	Exit	SPDR INDEX SHS FDSdj glb rl es etf	$0	–	-4,385	–	-0.03%	–
VNQ	Exit	VANGUARD INDEX FDSreal estate etf	$0	–	-9,081	–	-0.12%	–
IGOV	Exit	ISHARES TRintl trea bd etf	$0	–	-227,332	–	-1.80%	–
LRGF	Exit	ISHARES TRmultifactor usa	$0	–	-528,831	–	-2.62%	–
HYG	Exit	ISHARES TRiboxx hi yd etf	$0	–	-250,034	–	-3.40%	–
REET	Exit	ISHARES TRglobal reit etf	$0	–	-1,006,455	–	-4.18%	–

Q2 2019

			Value		Shares		↓ Weighting
AGG	New	ISHARES TRcore us aggbd et	$99,747,000	–	895,800	–	15.54%	–
GSLC	New	GOLDMAN SACHS ETF TRequity etf	$52,020,000	–	885,138	–	8.10%	–
IJH	New	ISHARES TRcore s&p mcp etf	$48,438,000	–	249,345	–	7.55%	–
IVV	New	ISHARES TRcore s&p500 etf	$47,396,000	–	160,799	–	7.38%	–
IJR	New	ISHARES TRcore s&p scp etf	$40,249,000	–	514,171	–	6.27%	–
REET	New	ISHARES TRglobal reit etf	$26,842,000	–	1,006,455	–	4.18%	–
GSIE	New	GOLDMAN SACHS ETF TRactivebeta int	$25,464,000	–	887,875	–	3.97%	–
IEMG	New	ISHARES INCcore msci emkt	$25,411,000	–	493,993	–	3.96%	–
IEFA	New	ISHARES TRcore msci eafe	$25,402,000	–	413,720	–	3.96%	–
ITOT	New	ISHARES TRcore s&p ttl stk	$23,837,000	–	357,764	–	3.71%	–
PCY	New	INVESCO EXCHNG TRADED FD TRemrng mkt svrg	$22,498,000	–	774,713	–	3.50%	–
HYG	New	ISHARES TRiboxx hi yd etf	$21,798,000	–	250,034	–	3.40%	–
GEM	New	GOLDMAN SACHS ETF TRactivebeta eme	$20,883,000	–	635,310	–	3.25%	–
LRGF	New	ISHARES TRmultifactor usa	$16,796,000	–	528,831	–	2.62%	–
SPTM	New	SPDR SERIES TRUSTportfolio tl stk	$15,936,000	–	437,075	–	2.48%	–
IGOV	New	ISHARES TRintl trea bd etf	$11,560,000	–	227,332	–	1.80%	–
SPAB	New	SPDR SERIES TRUSTportfolio agrgte	$10,912,000	–	374,076	–	1.70%	–
VTI	New	VANGUARD INDEX FDStotal stk mkt	$10,847,000	–	72,463	–	1.69%	–
SPDW	New	SPDR INDEX SHS FDSportfolio devlpd	$10,464,000	–	353,631	–	1.63%	–
SPEM	New	SPDR INDEX SHS FDSportfolio emg mk	$10,154,000	–	283,702	–	1.58%	–
VCSH	New	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$10,018,000	–	124,175	–	1.56%	–
SCHB	New	SCHWAB STRATEGIC TRus brd mkt etf	$7,413,000	–	105,099	–	1.16%	–
EMB	New	ISHARES TRjpmorgan usd emg	$6,674,000	–	58,908	–	1.04%	–
VWO	New	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$5,779,000	–	136,077	–	0.90%	–
VEA	New	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$5,551,000	–	133,249	–	0.86%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$4,345,000	–	135,393	–	0.68%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$4,199,000	–	160,039	–	0.65%	–
SPTS	New	SPDR SERIES TRUSTportfolio sh tsr	$3,637,000	–	121,248	–	0.57%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$3,633,000	–	68,538	–	0.57%	–
SHY	New	ISHARES TR1 3 yr treas bd	$3,548,000	–	41,850	–	0.55%	–
TIP	New	ISHARES TRtips bd etf	$3,170,000	–	27,448	–	0.49%	–
FREL	New	FIDELITYmsci rl est etf	$2,564,000	–	97,939	–	0.40%	–
IWB	New	ISHARES TRrus 1000 etf	$2,482,000	–	15,245	–	0.39%	–
USRT	New	ISHARES TRcre u s reit etf	$1,914,000	–	36,803	–	0.30%	–
IWM	New	ISHARES TRrussell 2000 etf	$1,809,000	–	11,634	–	0.28%	–
SPIP	New	SPDR SERIES TRUSTblombrg brc tips	$1,488,000	–	26,301	–	0.23%	–
SCHO	New	SCHWAB STRATEGIC TRsht tm us tres	$921,000	–	18,211	–	0.14%	–
VNQ	New	VANGUARD INDEX FDSreal estate etf	$793,000	–	9,081	–	0.12%	–
VO	New	VANGUARD INDEX FDSmid cap etf	$782,000	–	4,679	–	0.12%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$757,000	–	10,787	–	0.12%	–
SCHP	New	SCHWAB STRATEGIC TRus tips etf	$718,000	–	12,746	–	0.11%	–
VB	New	VANGUARD INDEX FDSsmall cp etf	$651,000	–	4,153	–	0.10%	–
BND	New	VANGUARD BD INDEX FD INCtotal bnd mrkt	$582,000	–	7,005	–	0.09%	–
SCHH	New	SCHWAB STRATEGIC TRus reit etf	$528,000	–	11,891	–	0.08%	–
VV	New	VANGUARD INDEX FDSlarge cap etf	$475,000	–	3,526	–	0.07%	–
MUB	New	ISHARES TRnational mun etf	$363,000	–	3,213	–	0.06%	–
PXH	New	INVESCO EXCHNG TRADED FD TRftse rafi emng	$223,000	–	10,306	–	0.04%	–
RWO	New	SPDR INDEX SHS FDSdj glb rl es etf	$219,000	–	4,385	–	0.03%	–

Q4 2018

			Value		Shares		↓ Weighting
BND	Exit	VANGUARD BD INDEX FD INCtotal bnd mrkt	$0	–	-3,970	–	-0.06%	–
MUB	Exit	ISHARES TRnational mun etf	$0	–	-3,509	–	-0.08%	–
SCHH	Exit	SCHWAB STRATEGIC TRus reit etf	$0	–	-12,826	–	-0.11%	–
SCHP	Exit	SCHWAB STRATEGIC TRus tips etf	$0	–	-12,461	–	-0.14%	–
VNQ	Exit	VANGUARD INDEX FDSreal estate etf	$0	–	-8,405	–	-0.14%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-10,592	–	-0.15%	–
SCHO	Exit	SCHWAB STRATEGIC TRsht tm us tres	$0	–	-17,428	–	-0.18%	–
SPIP	Exit	SPDR SERIES TRUSTblombrg brc tips	$0	–	-21,041	–	-0.24%	–
IWB	Exit	ISHARES TRrus 1000 etf	$0	–	-8,238	–	-0.28%	–
IWM	Exit	ISHARES TRrussell 2000 etf	$0	–	-10,339	–	-0.36%	–
USRT	Exit	ISHARES TRcre u s reit etf	$0	–	-38,050	–	-0.38%	–
FREL	Exit	FIDELITYmsci rl est etf	$0	–	-95,461	–	-0.48%	–
TIP	Exit	ISHARES TRtips bd etf	$0	–	-29,269	–	-0.67%	–
SHY	Exit	ISHARES TR1 3 yr treas bd	$0	–	-39,588	–	-0.68%	–
SPTS	Exit	SPDR SER TRportfolio sh tsr	$0	–	-122,080	–	-0.74%	–
SCHZ	Exit	SCHWAB STRATEGIC TRus aggregate b	$0	–	-71,742	–	-0.75%	–
SCHE	Exit	SCHWAB STRATEGIC TRemrg mkteq etf	$0	–	-154,700	–	-0.82%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-122,744	–	-0.85%	–
EMB	Exit	ISHARES TRjpmorgan usd emg	$0	–	-51,308	–	-1.14%	–
VWO	Exit	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$0	–	-152,437	–	-1.29%	–
VCSH	Exit	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$0	–	-83,221	–	-1.34%	–
VEA	Exit	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$0	–	-163,953	–	-1.47%	–
SCHB	Exit	SCHWAB STRATEGIC TRus brd mkt etf	$0	–	-104,581	–	-1.52%	–
IGOV	Exit	ISHARES TRintl trea bd etf	$0	–	-153,521	–	-1.53%	–
SPDW	Exit	SPDR INDEX SHS FDSportfolio devlpd	$0	–	-274,839	–	-1.75%	–
SPEM	Exit	SPDR INDEX SHS FDSportfolio emg mk	$0	–	-244,934	–	-1.76%	–
SPAB	Exit	SPDR SERIES TRUSTportfolio agrgte	$0	–	-356,662	–	-2.04%	–
LRGF	Exit	ISHARES TRmultifactor usa	$0	–	-354,983	–	-2.47%	–
SPTM	Exit	SPDR SERIES TRUSTportfolio tl stk	$0	–	-365,846	–	-2.74%	–
VTI	Exit	VANGUARD INDEX FDStotal stk mkt	$0	–	-89,400	–	-2.76%	–
GEM	Exit	GOLDMAN SACHS ETF TRactivebeta eme	$0	–	-429,113	–	-2.91%	–
HYG	Exit	ISHARES TRiboxx hi yd etf	$0	–	-169,777	–	-3.04%	–
PCY	Exit	INVESCO EXCHNG TRADED FD TRemrng mkt svrg	$0	–	-593,109	–	-3.31%	–
REET	Exit	ISHARES TRglobal reit etf	$0	–	-690,700	–	-3.60%	–
GSIE	Exit	GOLDMAN SACHS ETF TRactivebeta int	$0	–	-590,246	–	-3.61%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-396,946	–	-4.25%	–
IEFA	Exit	ISHARES TRcore msci eafe	$0	–	-331,922	–	-4.40%	–
ITOT	Exit	ISHARES TRcore s&p ttl stk	$0	–	-365,436	–	-5.04%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-322,974	–	-5.83%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-111,580	–	-6.76%	–
IJH	Exit	ISHARES TRcore s&p mcp etf	$0	–	-167,633	–	-6.98%	–
GSLC	Exit	GOLDMAN SACHS ETF TRequity etf	$0	–	-607,544	–	-7.38%	–
AGG	Exit	ISHARES TRcore us aggbd et	$0	–	-640,203	–	-13.97%	–

Q3 2018

			Value		Shares		↓ Weighting
AGG	Buy	ISHARES TRcore us aggbd et	$67,556,000	+49.6%	640,203	+50.7%	13.97%	+20.2%
GSLC	Buy	GOLDMAN SACHS ETF TRequity etf	$35,693,000	+45.2%	607,544	+35.3%	7.38%	+16.7%
IJH	Buy	ISHARES TRcore s&p mcp etf	$33,743,000	+40.4%	167,633	+35.9%	6.98%	+12.9%
IVV	Buy	ISHARES TRcore s&p500 etf	$32,663,000	+44.4%	111,580	+34.7%	6.76%	+16.1%
IJR	Buy	ISHARES TRcore s&p scp etf	$28,176,000	+37.3%	322,974	+31.3%	5.83%	+10.4%
ITOT	Buy	ISHARES TRcore s&p ttl stk	$24,349,000	+7.2%	365,436	+0.6%	5.04%	-13.8%
IEFA	Buy	ISHARES TRcore msci eafe	$21,270,000	+15.2%	331,922	+13.9%	4.40%	-7.4%
IEMG	Buy	ISHARES INCcore msci emkt	$20,554,000	+15.9%	396,946	+17.5%	4.25%	-6.9%
GSIE	Buy	GOLDMAN SACHS ETF TRactivebeta int	$17,448,000	+42.9%	590,246	+42.0%	3.61%	+14.8%
REET	Buy	ISHARES TRglobal reit etf	$17,420,000	+32.5%	690,700	+34.8%	3.60%	+6.5%
PCY	Buy	INVESCO EXCHNG TRADED FD TRemrng mkt svrg	$16,002,000	+29.5%	593,109	+27.3%	3.31%	+4.1%
HYG	Buy	ISHARES TRiboxx hi yd etf	$14,676,000	+41.0%	169,777	+38.7%	3.04%	+13.3%
GEM	Buy	GOLDMAN SACHS ETF TRactivebeta eme	$14,049,000	+47.0%	429,113	+49.0%	2.91%	+18.2%
VTI	Sell	VANGUARD INDEX FDStotal stk mkt	$13,350,000	+1.3%	89,400	-4.9%	2.76%	-18.6%
SPTM	Buy	SPDR SERIES TRUSTportfolio tl stk	$13,244,000	+12.3%	365,846	+5.5%	2.74%	-9.7%
LRGF	Buy	ISHARES TRmultifactor usa	$11,935,000	+47.6%	354,983	+40.3%	2.47%	+18.6%
SPAB	Buy	SPDR SERIES TRUSTportfolio agrgte	$9,883,000	-0.3%	356,662	+0.3%	2.04%	-19.9%
SPEM	Buy	SPDR INDEX SHS FDSportfolio emg mk	$8,531,000	+9.5%	244,934	+11.1%	1.76%	-12.0%
SPDW	Buy	SPDR INDEX SHS FDSportfolio devlpd	$8,457,000	+11.7%	274,839	+10.4%	1.75%	-10.2%
IGOV	Buy	ISHARES TRintl trea bd etf	$7,394,000	+39.0%	153,521	+42.0%	1.53%	+11.7%
SCHB	Sell	SCHWAB STRATEGIC TRus brd mkt etf	$7,361,000	+2.8%	104,581	-3.6%	1.52%	-17.4%
VEA	Sell	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$7,086,000	-0.4%	163,953	-1.3%	1.47%	-19.9%
VCSH	New	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$6,505,000	–	83,221	–	1.34%	–
VWO	Sell	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$6,243,000	-5.0%	152,437	-2.2%	1.29%	-23.7%
EMB	Buy	ISHARES TRjpmorgan usd emg	$5,532,000	+9.6%	51,308	+8.5%	1.14%	-11.9%
SCHF	Sell	SCHWAB STRATEGIC TRintl eqty etf	$4,116,000	-0.4%	122,744	-1.8%	0.85%	-19.9%
SCHE	Buy	SCHWAB STRATEGIC TRemrg mkteq etf	$3,977,000	+0.4%	154,700	+1.1%	0.82%	-19.2%
SCHZ	Sell	SCHWAB STRATEGIC TRus aggregate b	$3,605,000	-3.1%	71,742	-2.4%	0.75%	-22.1%
SPTS	Buy	SPDR SER TRportfolio sh tsr	$3,595,000	+2.0%	122,080	+2.4%	0.74%	-18.0%
SHY	Buy	ISHARES TR1 3 yr treas bd	$3,290,000	+2.5%	39,588	+2.9%	0.68%	-17.7%
TIP	Sell	ISHARES TRtips bd etf	$3,238,000	-4.1%	29,269	-2.1%	0.67%	-22.8%
FREL	Sell	FIDELITYmsci rl est etf	$2,298,000	-2.3%	95,461	-0.4%	0.48%	-21.5%
USRT	Buy	ISHARES TRcre u s reit etf	$1,841,000	+2.6%	38,050	+4.3%	0.38%	-17.5%
IWM	Buy	ISHARES TRrussell 2000 etf	$1,743,000	+40.1%	10,339	+36.1%	0.36%	+12.8%
IWB	Sell	ISHARES TRrus 1000 etf	$1,332,000	-2.2%	8,238	-8.1%	0.28%	-21.1%
SPIP	Buy	SPDR SERIES TRUSTblombrg brc tips	$1,146,000	+9.9%	21,041	+12.0%	0.24%	-11.6%
SCHO	Sell	SCHWAB STRATEGIC TRsht tm us tres	$864,000	-10.2%	17,428	-9.9%	0.18%	-27.8%
SCHX	Buy	SCHWAB STRATEGIC TRus lrg cap etf	$737,000	+9.3%	10,592	+2.2%	0.15%	-12.1%
VNQ	Buy	VANGUARD INDEX FDSreal estate etf	$678,000	+28.2%	8,405	+29.6%	0.14%	+2.9%
SCHP	Sell	SCHWAB STRATEGIC TRus tips etf	$672,000	-7.1%	12,461	-5.3%	0.14%	-25.3%
SCHH	Sell	SCHWAB STRATEGIC TRus reit etf	$535,000	-6.1%	12,826	-5.9%	0.11%	-24.5%
MUB	Buy	ISHARES TRnational mun etf	$379,000	+12.8%	3,509	+13.7%	0.08%	-9.3%
BND	Buy	VANGUARD BD INDEX FD INCtotal bnd mrkt	$312,000	+14.3%	3,970	+15.2%	0.06%	-7.1%
IGIB	Exit	ISHARES TRintrmd cr bd etf	$0	–	-110,816	–	-3.03%	–

Q2 2018

			Value		Shares		↓ Weighting
AGG	New	ISHARES TRcore us aggbd et	$45,171,000	–	424,844	–	11.62%	–
GSLC	New	GOLDMAN SACHS ETF TRequity etf	$24,589,000	–	449,113	–	6.33%	–
IJH	New	ISHARES TRcore s&p mcp etf	$24,033,000	–	123,387	–	6.18%	–
ITOT	New	ISHARES TRcore s&p ttl stk	$22,713,000	–	363,287	–	5.84%	–
IVV	New	ISHARES TRcore s&p500 etf	$22,623,000	–	82,852	–	5.82%	–
IJR	New	ISHARES TRcore s&p scp etf	$20,525,000	–	245,924	–	5.28%	–
IEFA	New	ISHARES TRcore msci eafe	$18,462,000	–	291,336	–	4.75%	–
IEMG	New	ISHARES INCcore msci emkt	$17,737,000	–	337,777	–	4.56%	–
VTI	New	VANGUARD INDEX FDStotal stk mkt	$13,181,000	–	94,022	–	3.39%	–
REET	New	ISHARES TRglobal reit etf	$13,144,000	–	512,232	–	3.38%	–
PCY	New	INVESCO EXCHNG TRADED FD TRemrng mkt svrg	$12,354,000	–	465,839	–	3.18%	–
GSIE	New	GOLDMAN SACHS ETF TRactivebeta int	$12,214,000	–	415,720	–	3.14%	–
SPTM	New	SPDR SERIES TRUSTportfolio tl stk	$11,789,000	–	346,835	–	3.03%	–
IGIB	New	ISHARES TRintrmd cr bd etf	$11,773,000	–	110,816	–	3.03%	–
HYG	New	ISHARES TRiboxx hi yd etf	$10,412,000	–	122,376	–	2.68%	–
SPAB	New	SPDR SERIES TRUSTportfolio agrgte	$9,914,000	–	355,474	–	2.55%	–
GEM	New	GOLDMAN SACHS ETF TRactivebeta eme	$9,555,000	–	287,967	–	2.46%	–
LRGF	New	ISHARES TRmultifactor usa	$8,087,000	–	252,959	–	2.08%	–
SPEM	New	SPDR INDEX SHS FDSportfolio emg mk	$7,793,000	–	220,521	–	2.00%	–
SPDW	New	SPDR INDEX SHS FDSportfolio devlpd	$7,570,000	–	249,028	–	1.95%	–
SCHB	New	SCHWAB STRATEGIC TRus brd mkt etf	$7,163,000	–	108,541	–	1.84%	–
VEA	New	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$7,117,000	–	166,098	–	1.83%	–
VWO	New	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$6,571,000	–	155,910	–	1.69%	–
IGOV	New	ISHARES TRintl trea bd etf	$5,319,000	–	108,082	–	1.37%	–
EMB	New	ISHARES TRjpmorgan usd emg	$5,049,000	–	47,292	–	1.30%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$4,131,000	–	124,982	–	1.06%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$3,962,000	–	153,026	–	1.02%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$3,722,000	–	73,494	–	0.96%	–
SPTS	New	SPDR SER TRportfolio sh tsr	$3,525,000	–	119,236	–	0.91%	–
TIP	New	ISHARES TRtips bd etf	$3,375,000	–	29,898	–	0.87%	–
SHY	New	ISHARES TR1 3 yr treas bd	$3,209,000	–	38,483	–	0.83%	–
FREL	New	FIDELITYmsci rl est etf	$2,353,000	–	95,869	–	0.60%	–
USRT	New	ISHARES TRcre u s reit etf	$1,794,000	–	36,493	–	0.46%	–
IWB	New	ISHARES TRrus 1000 etf	$1,362,000	–	8,960	–	0.35%	–
IWM	New	ISHARES TRrussell 2000 etf	$1,244,000	–	7,594	–	0.32%	–
SPIP	New	SPDR SERIES TRUSTblombrg brc tips	$1,043,000	–	18,786	–	0.27%	–
SCHO	New	SCHWAB STRATEGIC TRsht tm us tres	$962,000	–	19,344	–	0.25%	–
SCHP	New	SCHWAB STRATEGIC TRus tips etf	$723,000	–	13,159	–	0.19%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$674,000	–	10,365	–	0.17%	–
SCHH	New	SCHWAB STRATEGIC TRus reit etf	$570,000	–	13,635	–	0.15%	–
VNQ	New	VANGUARD INDEX FDSreal estate etf	$529,000	–	6,487	–	0.14%	–
MUB	New	ISHARES TRnational mun etf	$336,000	–	3,086	–	0.09%	–
BND	New	VANGUARD BD INDEX FD INCtotal bnd mrkt	$273,000	–	3,446	–	0.07%	–

Q4 2017

			Value		Shares		↓ Weighting
GEM	Exit	GOLDMAN SACHS ETF TRactivebeta eme	$0	–	-7,993	–	-0.18%	–
LRGF	Exit	ISHARES TRmultifactor usa	$0	–	-9,150	–	-0.18%	–
REET	Exit	ISHARES TRglobal reit etf	$0	–	-11,496	–	-0.20%	–
GSIE	Exit	GOLDMAN SACHS ETF TRactivebeta int	$0	–	-10,385	–	-0.20%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-2,002	–	-0.34%	–
SCHH	Exit	SCHWAB STRATEGIC TRus reit etf	$0	–	-12,364	–	-0.34%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-7,756	–	-0.38%	–
GSLC	Exit	GOLDMAN SACHS ETF TRequity etf	$0	–	-11,592	–	-0.39%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-10,145	–	-0.41%	–
IJH	Exit	ISHARES TRcore s&p mcp etf	$0	–	-3,502	–	-0.42%	–
IWB	Exit	ISHARES TRrus 1000 etf	$0	–	-6,118	–	-0.57%	–
SCHZ	Exit	SCHWAB STRATEGIC TRus aggregate b	$0	–	-23,143	–	-0.81%	–
VNQ	Exit	VANGUARD INDEX FDSreit etf	$0	–	-17,934	–	-1.00%	–
FREL	Exit	FIDELITYmsci rl est etf	$0	–	-75,040	–	-1.22%	–
SCHP	Exit	SCHWAB STRATEGIC TRus tips etf	$0	–	-48,940	–	-1.81%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-124,160	–	-2.78%	–
SCHE	Exit	SCHWAB STRATEGIC TRemrg mkteq etf	$0	–	-155,951	–	-2.81%	–
EMB	Exit	ISHARES TRjpmorgan usd emg	$0	–	-43,712	–	-3.40%	–
SCHB	Exit	SCHWAB STRATEGIC TRus brd mkt etf	$0	–	-112,831	–	-4.60%	–
AGG	Exit	ISHARES TRcore us aggbd et	$0	–	-69,024	–	-5.06%	–
PCY	Exit	POWERSHARES ETF TR IIsovereign debt	$0	–	-267,270	–	-5.32%	–
IEFA	Exit	ISHARES TRcore msci eafe	$0	–	-170,588	–	-7.32%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-202,873	–	-7.33%	–
VWO	Exit	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$0	–	-282,821	–	-8.24%	–
VEA	Exit	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$0	–	-285,376	–	-8.29%	–
TIP	Exit	ISHARES TRtips bd etf	$0	–	-135,746	–	-10.31%	–
ITOT	Exit	ISHARES TRcore s&p ttl stk	$0	–	-292,423	–	-11.27%	–
VTI	Exit	VANGUARD INDEX FDStotal stk mkt	$0	–	-171,045	–	-14.82%	–

Q3 2017

			Value		Shares		↓ Weighting
VTI	Buy	VANGUARD INDEX FDStotal stk mkt	$22,154,000	+10.8%	171,045	+6.3%	14.82%	+0.5%
ITOT	Buy	ISHARES TRcore s&p ttl stk	$16,852,000	+4.1%	292,423	+0.0%	11.27%	-5.5%
TIP	Buy	ISHARES TRtips bd etf	$15,418,000	+8.5%	135,746	+8.5%	10.31%	-1.5%
VEA	Buy	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$12,388,000	+9.5%	285,376	+4.1%	8.29%	-0.6%
VWO	Buy	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$12,323,000	+11.3%	282,821	+3.5%	8.24%	+1.0%
IEMG	Buy	ISHARES INCcore msci emkt	$10,959,000	+8.7%	202,873	+0.1%	7.33%	-1.4%
IEFA	Buy	ISHARES TRcore msci eafe	$10,947,000	+6.1%	170,588	+0.7%	7.32%	-3.7%
PCY	Buy	POWERSHARES ETF TR IIsovereign debt	$7,957,000	+9.3%	267,270	+7.6%	5.32%	-0.8%
AGG	Buy	ISHARES TRcore us aggbd et	$7,564,000	+15.7%	69,024	+15.8%	5.06%	+5.0%
SCHB	Sell	SCHWAB STRATEGIC TRus brd mkt etf	$6,873,000	+2.3%	112,831	-1.8%	4.60%	-7.2%
EMB	Buy	ISHARES TRjpmorgan usd emg	$5,089,000	+3.9%	43,712	+2.2%	3.40%	-5.7%
SCHE	Sell	SCHWAB STRATEGIC TRemrg mkteq etf	$4,197,000	+3.5%	155,951	-4.4%	2.81%	-6.1%
SCHF	Sell	SCHWAB STRATEGIC TRintl eqty etf	$4,156,000	+3.4%	124,160	-1.8%	2.78%	-6.1%
SCHP	Buy	SCHWAB STRATEGIC TRus tips etf	$2,704,000	+5.5%	48,940	+5.1%	1.81%	-4.3%
FREL	Buy	FIDELITYmsci rl est etf	$1,821,000	+1.1%	75,040	+0.9%	1.22%	-8.2%
VNQ	Buy	VANGUARD INDEX FDSreit etf	$1,490,000	+8.5%	17,934	+8.7%	1.00%	-1.5%
SCHZ	Sell	SCHWAB STRATEGIC TRus aggregate b	$1,212,000	-1.2%	23,143	-1.5%	0.81%	-10.3%
IWB	Buy	ISHARES TRrus 1000 etf	$856,000	+7.5%	6,118	+3.8%	0.57%	-2.4%
IJH	New	ISHARES TRcore s&p mcp etf	$627,000	–	3,502	–	0.42%	–
SCHX	Sell	SCHWAB STRATEGIC TRus lrg cap etf	$609,000	-11.7%	10,145	-15.1%	0.41%	-20.0%
GSLC	New	GOLDMAN SACHS ETF TRequity etf	$579,000	–	11,592	–	0.39%	–
IJR	New	ISHARES TRcore s&p scp etf	$576,000	–	7,756	–	0.38%	–
SCHH	Sell	SCHWAB STRATEGIC TRus reit etf	$509,000	-9.1%	12,364	-9.0%	0.34%	-17.7%
IVV	New	ISHARES TRcore s&p500 etf	$506,000	–	2,002	–	0.34%	–
GSIE	New	GOLDMAN SACHS ETF TRactivebeta int	$301,000	–	10,385	–	0.20%	–
REET	New	ISHARES TRglobal reit etf	$294,000	–	11,496	–	0.20%	–
LRGF	New	ISHARES TRmultifactor usa	$274,000	–	9,150	–	0.18%	–
GEM	New	GOLDMAN SACHS ETF TRactivebeta eme	$267,000	–	7,993	–	0.18%	–

Q2 2017

			Value		Shares		↓ Weighting
VTI	New	VANGUARD INDEX FDStotal stk mkt	$20,000,000	–	160,927	–	14.74%	–
ITOT	New	ISHARES TRcore s&p ttl stk	$16,181,000	–	292,388	–	11.92%	–
TIP	New	ISHARES TRtips bd etf	$14,213,000	–	125,128	–	10.48%	–
VEA	New	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$11,309,000	–	274,232	–	8.34%	–
VWO	New	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$11,070,000	–	273,266	–	8.16%	–
IEFA	New	ISHARES TRcore msci eafe	$10,315,000	–	169,481	–	7.60%	–
IEMG	New	ISHARES INCcore msci emkt	$10,085,000	–	202,679	–	7.43%	–
PCY	New	POWERSHARES ETF TR IIsovereign debt	$7,278,000	–	248,458	–	5.36%	–
SCHB	New	SCHWAB STRATEGIC TRus brd mkt etf	$6,719,000	–	114,939	–	4.95%	–
AGG	New	ISHARES TRcore us aggbd et	$6,536,000	–	59,614	–	4.82%	–
EMB	New	ISHARES TRjp mor em mk etf	$4,896,000	–	42,764	–	3.61%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$4,054,000	–	163,148	–	2.99%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$4,018,000	–	126,433	–	2.96%	–
SCHP	New	SCHWAB STRATEGIC TRus tips etf	$2,564,000	–	46,564	–	1.89%	–
FREL	New	FIDELITYmsci rl est etf	$1,801,000	–	74,379	–	1.33%	–
VNQ	New	VANGUARD INDEX FDSreit etf	$1,373,000	–	16,499	–	1.01%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$1,227,000	–	23,485	–	0.90%	–
IWB	New	ISHARES TRrus 1000 etf	$796,000	–	5,894	–	0.59%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$690,000	–	11,944	–	0.51%	–
SCHH	New	SCHWAB STRATEGIC TRus reit etf	$560,000	–	13,589	–	0.41%	–

Compare quarters

Export SigFig Wealth Management, LLC's holdings