Sage Financial 13FHR Quarterly holdings report by institutional manager | SEC 31 Jan 23

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

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

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
APPLE INC	COM	037833100	233,354	1,796	SH		SOLE		0	0	1,796
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	254,081	11,763	SH		SOLE		0	0	11,763
GOLDMAN SACHS ETF TR	JUST US LRG CP	381430396	1,533,080	27,743	SH		SOLE		0	0	27,743
HERSHEY CO	COM	427866108	250,559	1,082	SH		SOLE		0	0	1,082
INVESCO EXCH TRADED FD TR II	PFD ETF	46138E511	285,090	25,500	SH		SOLE		0	0	25,500
INVESCO EXCH TRADED FD TR II	SR LN ETF	46138G508	3,869,556	188,483	SH		SOLE		0	0	188,483
INVESCO QQQ TR	UNIT SER 1	46090E103	266,029	999	SH		SOLE		0	0	999
ISHARES INC	CORE MSCI EMKT	46434G103	670,118	14,349	SH		SOLE		0	0	14,349
ISHARES INC	MSCI EMRG CHN	46434G764	479,684	10,105	SH		SOLE		0	0	10,105
ISHARES INC	ESG AWR MSCI EM	46434G863	398,098	13,239	SH		SOLE		0	0	13,239
ISHARES TR	TIPS BD ETF	464287176	1,770,949	16,638	SH		SOLE		0	0	16,638
ISHARES TR	CORE S&P500 ETF	464287200	4,034,574	10,501	SH		SOLE		0	0	10,501
ISHARES TR	CORE US AGGBD ET	464287226	481,264	4,962	SH		SOLE		0	0	4,962
ISHARES TR	S&P 500 GRWT ETF	464287309	310,727	5,312	SH		SOLE		0	0	5,312
ISHARES TR	MSCI EAFE ETF	464287465	392,199	5,975	SH		SOLE		0	0	5,975
ISHARES TR	RUS MDCP VAL ETF	464287473	2,739,428	26,006	SH		SOLE		0	0	26,006
ISHARES TR	RUS MD CP GR ETF	464287481	1,411,831	16,888	SH		SOLE		0	0	16,888
ISHARES TR	CORE S&P MCP ETF	464287507	39,667,420	163,990	SH		SOLE		0	0	163,990
ISHARES TR	RUS 1000 VAL ETF	464287598	4,106,095	27,076	SH		SOLE		0	0	27,076
ISHARES TR	RUS 1000 GRW ETF	464287614	6,775,971	31,628	SH		SOLE		0	0	31,628
ISHARES TR	RUS 1000 ETF	464287622	1,676,581	7,964	SH		SOLE		0	0	7,964
ISHARES TR	RUS 2000 VAL ETF	464287630	426,133	3,073	SH		SOLE		0	0	3,073
ISHARES TR	RUS 2000 GRW ETF	464287648	285,537	1,331	SH		SOLE		0	0	1,331
ISHARES TR	RUSSELL 2000 ETF	464287655	317,335	1,820	SH		SOLE		0	0	1,820
ISHARES TR	S&P MC 400VL ETF	464287705	297,716	2,954	SH		SOLE		0	0	2,954
ISHARES TR	CORE S&P SCP ETF	464287804	26,506,098	280,073	SH		SOLE		0	0	280,073
ISHARES TR	SP SMCP600VL ETF	464287879	303,514	3,324	SH		SOLE		0	0	3,324
ISHARES TR	GL CLEAN ENE ETF	464288224	520,323	26,213	SH		SOLE		0	0	26,213
ISHARES TR	MSCI ACWI EX US	464288240	3,780,640	83,091	SH		SOLE		0	0	83,091
ISHARES TR	JPMORGAN USD EMG	464288281	1,780,074	21,044	SH		SOLE		0	0	21,044
ISHARES TR	GLB INFRASTR ETF	464288372	13,941,987	304,145	SH		SOLE		0	0	304,145
ISHARES TR	MRGSTR MD CP VAL	464288406	430,751	6,942	SH		SOLE		0	0	6,942
ISHARES TR	MSCI KLD400 SOC	464288570	1,374,491	19,146	SH		SOLE		0	0	19,146
ISHARES TR	ISHS 1-5YR INVS	464288646	6,367,743	127,815	SH		SOLE		0	0	127,815
ISHARES TR	PFD AND INCM SEC	464288687	11,671,960	382,311	SH		SOLE		0	0	382,311
ISHARES TR	MSCI USA ESG SLC	464288802	354,515	4,307	SH		SOLE		0	0	4,307
ISHARES TR	EAFE VALUE ETF	464288877	1,608,369	35,056	SH		SOLE		0	0	35,056
ISHARES TR	EAFE GRWTH ETF	464288885	480,196	5,733	SH		SOLE		0	0	5,733
ISHARES TR	GRWT ALLOCAT ETF	464289867	1,871,830	39,691	SH		SOLE		0	0	39,691
ISHARES TR	CORE HIGH DV ETF	46429B663	836,140	8,021	SH		SOLE		0	0	8,021
ISHARES TR	MSCI USA MIN VOL	46429B697	404,625	5,612	SH		SOLE		0	0	5,612
ISHARES TR	CORE MSCI TOTAL	46432F834	539,731	9,325	SH		SOLE		0	0	9,325
ISHARES TR	YLD OPTIM BD	46434V787	572,643	26,415	SH		SOLE		0	0	26,415
ISHARES TR	ESG AWR MSCI USA	46435G425	211,875	2,500	SH		SOLE		0	0	2,500
ISHARES TR	ESG AW MSCI EAFE	46435G516	351,190	5,342	SH		SOLE		0	0	5,342
ISHARES TR	ESG AWARE MSCI	46435U663	678,693	20,642	SH		SOLE		0	0	20,642
ISHARES TR	ESG SCRD S&P MID	46436E551	208,240	6,348	SH		SOLE		0	0	6,348
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	763,533	15,109	SH		SOLE		0	0	15,109
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	1,718,576	34,282	SH		SOLE		0	0	34,282
JOHNSON & JOHNSON	COM	478160104	441,272	2,498	SH		SOLE		0	0	2,498
MICROSOFT CORP	COM	594918104	225,910	942	SH		SOLE		0	0	942
NUSHARES ETF TR	NUVEEN ESG LRGCP	67092P201	346,777	7,093	SH		SOLE		0	0	7,093
NUSHARES ETF TR	NUVEEN ESG LRGVL	67092P300	446,284	13,034	SH		SOLE		0	0	13,034
NUSHARES ETF TR	NUVEEN ESG SMLCP	67092P607	380,697	11,138	SH		SOLE		0	0	11,138
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	267,413	5,968	SH		SOLE		0	0	5,968
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	366,456,864	8,116,431	SH		SOLE		0	0	8,116,431
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	7,325,610	131,850	SH		SOLE		0	0	131,850
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	18,088,879	273,991	SH		SOLE		0	0	273,991
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	12,281,433	187,188	SH		SOLE		0	0	187,188
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	10,081,763	248,871	SH		SOLE		0	0	248,871
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	244,250	10,319	SH		SOLE		0	0	10,319
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,509,003	19,976	SH		SOLE		0	0	19,976
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	234,392	7,277	SH		SOLE		0	0	7,277
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	677,537	14,842	SH		SOLE		0	0	14,842
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	13,208,353	255,037	SH		SOLE		0	0	255,037
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	235,244	710	SH		SOLE		0	0	710
SPDR INDEX SHS FDS	MSCI ACWI EXUS	78463X848	620,050	25,771	SH		SOLE		0	0	25,771
SPDR INDEX SHS FDS	S&P GBLINF ETF	78463X855	1,464,353	27,935	SH		SOLE		0	0	27,935
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,494,702	3,908	SH		SOLE		0	0	3,908
SPDR SER TR	S&P 600 SMCP GRW	78464A201	1,415,864	19,599	SH		SOLE		0	0	19,599
SPDR SER TR	S&P 600 SMCP VAL	78464A300	10,766,120	145,057	SH		SOLE		0	0	145,057
SPDR SER TR	S&P 400 MDCP GRW	78464A821	1,140,575	17,456	SH		SOLE		0	0	17,456
SPDR SER TR	S&P 400 MDCP VAL	78464A839	5,103,431	78,854	SH		SOLE		0	0	78,854
SPDR SER TR	NUVEEN BLMBRG MU	78468R721	5,422,636	118,865	SH		SOLE		0	0	118,865
SSGA ACTIVE ETF TR	BLACKSTONE SENR	78467V608	400,411	9,790	SH		SOLE		0	0	9,790
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	483,721	6,733	SH		SOLE		0	0	6,733
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	18,574,230	52,867	SH		SOLE		0	0	52,867
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	13,720,442	101,453	SH		SOLE		0	0	101,453
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	5,599,753	31,151	SH		SOLE		0	0	31,151
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	3,727,346	45,191	SH		SOLE		0	0	45,191
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	10,712,646	53,419	SH		SOLE		0	0	53,419
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	6,386,756	40,219	SH		SOLE		0	0	40,219
VANGUARD INDEX FDS	MID CAP ETF	922908629	5,091,322	24,981	SH		SOLE		0	0	24,981
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	19,988,035	114,742	SH		SOLE		0	0	114,742
VANGUARD INDEX FDS	GROWTH ETF	922908736	36,761,461	172,500	SH		SOLE		0	0	172,500
VANGUARD INDEX FDS	VALUE ETF	922908744	47,907,447	341,294	SH		SOLE		0	0	341,294
VANGUARD INDEX FDS	SMALL CP ETF	922908751	1,638,277	8,926	SH		SOLE		0	0	8,926
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,014,490	10,537	SH		SOLE		0	0	10,537
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	26,444,014	527,404	SH		SOLE		0	0	527,404
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	8,717,350	223,636	SH		SOLE		0	0	223,636
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	758,041	16,229	SH		SOLE		0	0	16,229
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	568,830	3,746	SH		SOLE		0	0	3,746
VANGUARD STAR FDS	VG TL INTL STK F	921909768	466,091	9,012	SH		SOLE		0	0	9,012
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	475,644	7,800	SH		SOLE		0	0	7,800

Sage Financial 13F-HRQuarterly holdings report by institutional manager