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

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

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
PFIZER INC COM 717081103 540 13,794 SH   SOLE 0 0 0 13,794
VANGUARD WORLD FD ESG US STK ETF 921910733 5,363 67,057 SH   SOLE 0 0 0 67,057
ISHARES TR SHRT NAT MUN ETF 464288158 6,308 58,507 SH   SOLE 0 0 0 58,507
GENERAL ELECTRIC CO COM 369604103 335 24,870 SH   SOLE 0 0 0 24,870
ISHARES TR NATIONAL MUN ETF 464288414 6,635 56,614 SH   SOLE 0 0 0 56,614
PIMCO ETF TR ACTIVE BD ETF 72201R775 5,828 52,522 SH   SOLE 0 0 0 52,522
DISNEY WALT CO COM 254687106 475 2,701 SH   SOLE 0 0 0 2,701
UNITED AIRLS HLDGS INC COM 910047109 1,165 22,273 SH   SOLE 0 0 0 22,273
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 428 4,134 SH   SOLE 0 0 0 4,134
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101 1,541 14,887 SH   SOLE 0 0 0 14,887
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,098 14,246 SH   SOLE 0 0 0 14,246
EVERSOURCE ENERGY COM 30040W108 313 3,905 SH   SOLE 0 0 0 3,905
ABBOTT LABS COM 002824100 630 5,435 SH   SOLE 0 0 0 5,435
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 823 37,543 SH   SOLE 0 0 0 37,543
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 4,524 96,724 SH   SOLE 0 0 0 96,724
BK OF AMERICA CORP COM 060505104 272 6,595 SH   SOLE 0 0 0 6,595
J P MORGAN EXCHANGE-TRADED F US AGGREGATE 46641Q613 1,198 21,993 SH   SOLE 0 0 0 21,993
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 279 4,000 SH   SOLE 0 0 0 4,000
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 672 9,988 SH   SOLE 0 0 0 9,988
ISHARES TR TIPS BD ETF 464287176 1,637 12,791 SH   SOLE 0 0 0 12,791
PEPSICO INC COM 713448108 481 3,247 SH   SOLE 0 0 0 3,247
GLOBAL X FDS INTERNET OF THNG 37954Y780 299 8,377 SH   SOLE 0 0 0 8,377
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,263 160,377 SH   SOLE 0 0 0 160,377
SPDR SER TR PORTFOLIO CRPORT 78464A144 544 15,383 SH   SOLE 0 0 0 15,383
SPDR SER TR BLOOMBERG BRCLYS 78468R622 488 4,434 SH   SOLE 0 0 0 4,434
MCEWEN MNG INC COM 58039P107 14 10,012 SH   SOLE 0 0 0 10,012
ISHARES TR MSCI USA MIN VOL 46429B697 3,345 45,439 SH   SOLE 0 0 0 45,439
AT&T INC COM 00206R102 330 11,478 SH   SOLE 0 0 0 11,478
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,203 7,474 SH   SOLE 0 0 0 7,474
QUALCOMM INC COM 747525103 244 1,706 SH   SOLE 0 0 0 1,706
APPLE INC COM 037833100 7,785 56,841 SH   SOLE 0 0 0 56,841
AMAZON COM INC COM 023135106 1,159 337 SH   SOLE 0 0 0 337
ISHARES TR MSCI USA QLT FCT 46432F339 3,436 25,863 SH   SOLE 0 0 0 25,863
MERCK & CO. INC COM 58933Y105 454 5,838 SH   SOLE 0 0 0 5,838
TRANE TECHNOLOGIES PLC SHS G8994E103 383 2,080 SH   SOLE 0 0 0 2,080
SSGA ACTIVE TR SPDR SSGA FXD 78470P507 394 12,567 SH   SOLE 0 0 0 12,567
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 16,841 204,976 SH   SOLE 0 0 0 204,976
TEXAS INSTRS INC COM 882508104 1,467 7,627 SH   SOLE 0 0 0 7,627
PROCTER AND GAMBLE CO COM 742718109 1,466 10,865 SH   SOLE 0 0 0 10,865
ISHARES TR MSCI ACWI EX US 464288240 6,229 108,311 SH   SOLE 0 0 0 108,311
ISHARES TR EAFE SML CP ETF 464288273 312 4,208 SH   SOLE 0 0 0 4,208
ISHARES TR ESG AW MSCI EAFE 46435G516 2,791 35,318 SH   SOLE 0 0 0 35,318
ORACLE CORP COM 68389X105 275 3,531 SH   SOLE 0 0 0 3,531
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 817 37,949 SH   SOLE 0 0 0 37,949
ISHARES GOLD TR ISHARES 464285105 7,315 217,009 SH   SOLE 0 0 0 217,009
FIDELITY COVINGTON TRUST HIGH YILD ETF 316092618 1,385 24,747 SH   SOLE 0 0 0 24,747
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 396 20,148 SH   SOLE 0 0 0 20,148
VICTORY PORTFOLIOS II VICSHS DV AC ETF 92647N667 2,197 49,768 SH   SOLE 0 0 0 49,768
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 842 36,456 SH   SOLE 0 0 0 36,456
J P MORGAN EXCHANGE-TRADED F DIVERSFED RTRN 46641Q886 3,956 45,033 SH   SOLE 0 0 0 45,033
ISHARES TR ESG AWR US AGRGT 46435U549 6,034 109,072 SH   SOLE 0 0 0 109,072
ISHARES TR ESG AWRE 1 5 YR 46435G243 2,721 104,480 SH   SOLE 0 0 0 104,480
INTEL CORP COM 458140100 430 7,661 SH   SOLE 0 0 0 7,661
PVH CORPORATION COM 693656100 382 3,553 SH   SOLE 0 0 0 3,553
VANGUARD WORLD FD ESG INTL STK ETF 921910725 2,302 35,881 SH   SOLE 0 0 0 35,881
ISHARES INC ESG AWR MSCI EM 46434G863 1,213 26,855 SH   SOLE 0 0 0 26,855
SHERWIN WILLIAMS CO COM 824348106 368 1,351 SH   SOLE 0 0 0 1,351
SPDR INDEX SHS FDS PORTFLO EURP ETF 78463X103 728 17,399 SH   SOLE 0 0 0 17,399
ISHARES TR SP SMCP600VL ETF 464287879 623 5,910 SH   SOLE 0 0 0 5,910
ISHARES TR CORE MSCI TOTAL 46432F834 247 3,366 SH   SOLE 0 0 0 3,366
ISHARES INC MSCI EMERG MRKT 464286533 1,808 28,177 SH   SOLE 0 0 0 28,177
ISHARES TR CORE S&P SCP ETF 464287804 5,507 48,742 SH   SOLE 0 0 0 48,742
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 640 16,559 SH   SOLE 0 0 0 16,559
JPMORGAN CHASE & CO COM 46625H100 830 5,338 SH   SOLE 0 0 0 5,338
GLOBAL X FDS SOCIAL MED ETF 37950E416 620 8,565 SH   SOLE 0 0 0 8,565
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 684 32,141 SH   SOLE 0 0 0 32,141
COMCAST CORP NEW CL A 20030N101 578 10,145 SH   SOLE 0 0 0 10,145
PARKER-HANNIFIN CORP COM 701094104 2,579 8,397 SH   SOLE 0 0 0 8,397
CISCO SYS INC COM 17275R102 290 5,476 SH   SOLE 0 0 0 5,476
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 842 38,995 SH   SOLE 0 0 0 38,995
ISHARES TR RUSSELL 3000 ETF 464287689 1,599 6,250 SH   SOLE 0 0 0 6,250
BRISTOL-MYERS SQUIBB CO COM 110122108 381 5,706 SH   SOLE 0 0 0 5,706
ISHARES TR 1 3 YR TREAS BD 464287457 1,351 15,679 SH   SOLE 0 0 0 15,679
EXXON MOBIL CORP COM 30231G102 245 3,879 SH   SOLE 0 0 0 3,879
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,520 23,980 SH   SOLE 0 0 0 23,980
ISHARES TR MSCI EAFE MIN VL 46429B689 1,551 20,526 SH   SOLE 0 0 0 20,526
ABBVIE INC COM 00287Y109 812 7,213 SH   SOLE 0 0 0 7,213
CHEVRON CORP NEW COM 166764100 325 3,106 SH   SOLE 0 0 0 3,106
ISHARES TR PFD AND INCM SEC 464288687 296 7,519 SH   SOLE 0 0 0 7,519
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 1,267 24,826 SH   SOLE 0 0 0 24,826
VANGUARD STAR FDS VG TL INTL STK F 921909768 14,923 227,212 SH   SOLE 0 0 0 227,212
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,505 9,014 SH   SOLE 0 0 0 9,014
ISHARES INC CORE MSCI EMKT 46434G103 707 10,554 SH   SOLE 0 0 0 10,554
GLOBAL X FDS MSCI CHINA CNSMR 37950E408 642 18,149 SH   SOLE 0 0 0 18,149
ISHARES TR BARCLAYS 7 10 YR 464287440 410 3,549 SH   SOLE 0 0 0 3,549
SPDR SER TR PORTFOLIO LN TSR 78464A664 233 5,649 SH   SOLE 0 0 0 5,649
ISHARES TR S&P 100 ETF 464287101 826 4,209 SH   SOLE 0 0 0 4,209
VANGUARD INDEX FDS VALUE ETF 922908744 4,950 36,011 SH   SOLE 0 0 0 36,011
GILEAD SCIENCES INC COM 375558103 205 2,984 SH   SOLE 0 0 0 2,984
ISHARES TR CALIF MUN BD ETF 464288356 1,102 17,593 SH   SOLE 0 0 0 17,593
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 2,173 141,864 SH   SOLE 0 0 0 141,864
SPDR SER TR BLOMBRG BRC EMRG 78464A391 282 10,669 SH   SOLE 0 0 0 10,669
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,425 13,995 SH   SOLE 0 0 0 13,995
VISA INC COM CL A 92826C839 220 941 SH   SOLE 0 0 0 941
D R HORTON INC COM 23331A109 514 5,685 SH   SOLE 0 0 0 5,685
VANGUARD INDEX FDS MID CAP ETF 922908629 1,851 7,798 SH   SOLE 0 0 0 7,798
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408 3,663 82,488 SH   SOLE 0 0 0 82,488
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 14,523 93,826 SH   SOLE 0 0 0 93,826
J P MORGAN EXCHANGE-TRADED F JPMORGAN DIVER 46641Q407 312 3,221 SH   SOLE 0 0 0 3,221
SPDR SER TR PORTFOLIO LN COR 78464A367 345 10,866 SH   SOLE 0 0 0 10,866
ISHARES TR RUS 1000 VAL ETF 464287598 211 1,332 SH   SOLE 0 0 0 1,332
ISHARES TR MRGSTR MD CP ETF 464288208 773 11,532 SH   SOLE 0 0 0 11,532
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 450 9,628 SH   SOLE 0 0 0 9,628
SPDR SER TR S&P BIOTECH 78464A870 738 5,452 SH   SOLE 0 0 0 5,452
ISHARES TR CORE INTL AGGR 46435G672 1,291 23,428 SH   SOLE 0 0 0 23,428
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,862 8,266 SH   SOLE 0 0 0 8,266
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 14,988 174,503 SH   SOLE 0 0 0 174,503
FS KKR CAP CORP COM 302635206 386 17,965 SH   SOLE 0 0 0 17,965
ISHARES TR CORE S&P TTL STK 464287150 422 4,271 SH   SOLE 0 0 0 4,271
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 483 9,056 SH   SOLE 0 0 0 9,056
AUTOMATIC DATA PROCESSING IN COM 053015103 330 1,661 SH   SOLE 0 0 0 1,661
VANGUARD INDEX FDS TOTAL STK MKT 922908769 32,289 144,910 SH   SOLE 0 0 0 144,910
GLOBAL X FDS RUSSELL 2000 37954Y459 284 11,109 SH   SOLE 0 0 0 11,109
ISHARES TR IBOXX HI YD ETF 464288513 247 2,801 SH   SOLE 0 0 0 2,801
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 845 40,049 SH   SOLE 0 0 0 40,049
VANGUARD WORLD FD MEGA CAP INDEX 921910873 6,763 44,394 SH   SOLE 0 0 0 44,394
BERKSHIRE HATHAWAY INC DEL CL A 084670108 419 1 SH   SOLE 0 0 0 1
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,122 18,294 SH   SOLE 0 0 0 18,294
HOME DEPOT INC COM 437076102 1,711 5,367 SH   SOLE 0 0 0 5,367
ISHARES TR ESG AWR MSCI USA 46435G425 4,989 50,662 SH   SOLE 0 0 0 50,662
COCA COLA CO COM 191216100 409 7,555 SH   SOLE 0 0 0 7,555
INVESCO QQQ TR UNIT SER 1 46090E103 262 739 SH   SOLE 0 0 0 739
SPDR SER TR PORTFOLIO S&P400 78464A847 872 18,481 SH   SOLE 0 0 0 18,481
AMGEN INC COM 031162100 255 1,048 SH   SOLE 0 0 0 1,048
ASML HOLDING N V N Y REGISTRY SHS N07059210 236 342 SH   SOLE 0 0 0 342
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 7,898 57,884 SH   SOLE 0 0 0 57,884
INTERNATIONAL BUSINESS MACHS COM 459200101 599 4,083 SH   SOLE 0 0 0 4,083
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 9,677 184,639 SH   SOLE 0 0 0 184,639
ISHARES TR ESG AWARE MSCI 46435U663 1,016 25,164 SH   SOLE 0 0 0 25,164
VERIZON COMMUNICATIONS INC COM 92343V104 361 6,442 SH   SOLE 0 0 0 6,442
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 261 1,382 SH   SOLE 0 0 0 1,382
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,924 83,720 SH   SOLE 0 0 0 83,720
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 984 2,500 SH   SOLE 0 0 0 2,500
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 416 3,971 SH   SOLE 0 0 0 3,971
GLOBAL X FDS CLOUD COMPUTNG 37954Y442 480 16,830 SH   SOLE 0 0 0 16,830
ISHARES TR S&P 500 GRWT ETF 464287309 324 4,448 SH   SOLE 0 0 0 4,448
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 835 38,437 SH   SOLE 0 0 0 38,437
GLOBAL X FDS VDEO GAM ESPRT 37954Y392 473 14,643 SH   SOLE 0 0 0 14,643
VANGUARD WORLD FDS INF TECH ETF 92204A702 265 664 SH   SOLE 0 0 0 664
DOMINION ENERGY INC COM 25746U109 283 3,845 SH   SOLE 0 0 0 3,845
MICROSOFT CORP COM 594918104 3,051 11,264 SH   SOLE 0 0 0 11,264
ISHARES TR RUSSELL 2000 ETF 464287655 346 1,510 SH   SOLE 0 0 0 1,510
ISHARES TR CORE MSCI EAFE 46432F842 698 9,323 SH   SOLE 0 0 0 9,323
BLACKSTONE GROUP INC COM 09260D107 513 5,286 SH   SOLE 0 0 0 5,286
BANK NEW YORK MELLON CORP COM 064058100 426 8,311 SH   SOLE 0 0 0 8,311
SPDR GOLD TR GOLD SHS 78463V107 277 1,675 SH   SOLE 0 0 0 1,675
ISHARES TR RUS 1000 ETF 464287622 366 1,510 SH   SOLE 0 0 0 1,510
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,270 14,889 SH   SOLE 0 0 0 14,889
GLOBAL X FDS NASDAQ 100 COVER 37954Y483 274 12,217 SH   SOLE 0 0 0 12,217
ISHARES TR RUS 1000 GRW ETF 464287614 462 1,702 SH   SOLE 0 0 0 1,702
MCDONALDS CORP COM 580135101 1,190 5,152 SH   SOLE 0 0 0 5,152
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,169 9,278 SH   SOLE 0 0 0 9,278
SPDR SER TR PORTFOLIO S&P600 78468R853 1,067 24,279 SH   SOLE 0 0 0 24,279
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 845 38,087 SH   SOLE 0 0 0 38,087
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,329 51,194 SH   SOLE 0 0 0 51,194
GENERAL DYNAMICS CORP COM 369550108 6,005 31,897 SH   SOLE 0 0 0 31,897
WEST PHARMACEUTICAL SVSC INC COM 955306105 4,983 13,875 SH   SOLE 0 0 0 13,875
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 1,145 56,991 SH   SOLE 0 0 0 56,991
ISHARES TR GLOBAL REIT ETF 46434V647 2,314 83,478 SH   SOLE 0 0 0 83,478
ALPHABET INC CAP STK CL A 02079K305 330 135 SH   SOLE 0 0 0 135
UNITED STS OIL FD LP UNITS 91232N207 1,732 34,718 SH   SOLE 0 0 0 34,718
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 3,698 59,218 SH   SOLE 0 0 0 59,218
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 2,832 115,782 SH   SOLE 0 0 0 115,782
EMERSON ELEC CO COM 291011104 205 2,129 SH   SOLE 0 0 0 2,129
ISHARES TR MSCI EAFE ETF 464287465 833 10,565 SH   SOLE 0 0 0 10,565
ISHARES TR 20 YR TR BD ETF 464287432 267 1,851 SH   SOLE 0 0 0 1,851
ISHARES TR EAFE VALUE ETF 464288877 6,147 118,758 SH   SOLE 0 0 0 118,758
ISHARES TR ISHS 1-5YR INVS 464288646 674 12,290 SH   SOLE 0 0 0 12,290
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,840 77,490 SH   SOLE 0 0 0 77,490
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602 3,157 48,560 SH   SOLE 0 0 0 48,560
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,890 78,547 SH   SOLE 0 0 0 78,547
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 825 13,428 SH   SOLE 0 0 0 13,428
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,404 191,573 SH   SOLE 0 0 0 191,573
GLOBAL X FDS MILL THEMC ETF 37954Y764 550 12,707 SH   SOLE 0 0 0 12,707
EMPIRE ST RLTY OP L P UNIT LTD PRTNSP 292102100 207 17,206 SH   SOLE 0 0 0 17,206
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 835 37,443 SH   SOLE 0 0 0 37,443
ISHARES TR MSCI USA MMENTM 46432F396 6,626 38,206 SH   SOLE 0 0 0 38,206
ISHARES TR CORE S&P500 ETF 464287200 649 1,509 SH   SOLE 0 0 0 1,509
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 12,246 214,467 SH   SOLE 0 0 0 214,467
GLOBAL X FDS FINTECH ETF 37954Y814 694 14,563 SH   SOLE 0 0 0 14,563
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,637 65,761 SH   SOLE 0 0 0 65,761
ISHARES TR SHORT TREAS BD 464288679 1,769 16,012 SH   SOLE 0 0 0 16,012
JOHNSON & JOHNSON COM 478160104 1,423 8,636 SH   SOLE 0 0 0 8,636
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 1,968 48,221 SH   SOLE 0 0 0 48,221
VANGUARD INDEX FDS SM CP VAL ETF 922908611 9,646 55,543 SH   SOLE 0 0 0 55,543
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,748 70,978 SH   SOLE 0 0 0 70,978
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 475 13,604 SH   SOLE 0 0 0 13,604