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
ADOBE SYSTEMS INCORPORATED COM 00724F101 871 2,379 SH   SOLE   0 0 2,379
ADVANCED MICRO DEVICES INC COM 007903107 379 4,956 SH   SOLE   0 0 4,956
ALPHABET INC CAP STK CL A 02079K305 497 228 SH   SOLE   0 0 228
ALPHABET INC CAP STK CL C 02079K107 521 238 SH   SOLE   0 0 238
AMAZON COM INC COM 023135106 514 4,840 SH   SOLE   0 0 4,840
APPLE INC COM 037833100 3,082 22,539 SH   SOLE   0 0 22,539
APPLIED MATLS INC COM 038222105 556 6,112 SH   SOLE   0 0 6,112
CISCO SYS INC COM 17275R102 466 10,917 SH   SOLE   0 0 10,917
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,345 48,844 SH   SOLE   0 0 48,844
EBAY INC. COM 278642103 229 5,490 SH   SOLE   0 0 5,490
HP INC COM 40434L105 263 8,013 SH   SOLE   0 0 8,013
INTERNATIONAL BUSINESS MACHS COM 459200101 307 2,173 SH   SOLE   0 0 2,173
INTUIT COM 461202103 220 572 SH   SOLE   0 0 572
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 227 12,517 SH   SOLE   0 0 12,517
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 2,562 88,000 SH   SOLE   0 0 88,000
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 284 1,852 SH   SOLE   0 0 1,852
INVESCO QQQ TR UNIT SER 1 46090E103 836 2,984 SH   SOLE   0 0 2,984
ISHARES INC CORE MSCI EMKT 46434G103 2,270 46,278 SH   SOLE   0 0 46,278
ISHARES INC ESG AWR MSCI EM 46434G863 378 11,700 SH   SOLE   0 0 11,700
ISHARES INC MSCI EMERG MKT 46434G889 6,032 140,549 SH   SOLE   0 0 140,549
ISHARES INC MSCI EMERG MRKT 464286533 9,938 179,287 SH   SOLE   0 0 179,287
ISHARES TR CORE MSCI EAFE 46432F842 4,863 82,637 SH   SOLE   0 0 82,637
ISHARES TR CORE S&P TTL STK 464287150 5,844 69,752 SH   SOLE   0 0 69,752
ISHARES TR CORE S&P500 ETF 464287200 546 1,441 SH   SOLE   0 0 1,441
ISHARES TR CORE US AGGBD ET 464287226 429 4,218 SH   SOLE   0 0 4,218
ISHARES TR ESG AW MSCI EAFE 46435G516 747 11,905 SH   SOLE   0 0 11,905
ISHARES TR ESG AWARE MSCI 46435U663 276 8,775 SH   SOLE   0 0 8,775
ISHARES TR ESG EAFE ETF 46436E759 284 5,450 SH   SOLE   0 0 5,450
ISHARES TR ESG MSCI USA ETF 46436E767 354 11,840 SH   SOLE   0 0 11,840
ISHARES TR INTL EQTY FACTOR 46434V274 5,842 248,281 SH   SOLE   0 0 248,281
ISHARES TR MSCI EAFE ETF 464287465 1,762 28,200 SH   SOLE   0 0 28,200
ISHARES TR MSCI EMG MKT ETF 464287234 568 14,175 SH   SOLE   0 0 14,175
ISHARES TR MSCI INTL QUALTY 46434V456 6,089 196,870 SH   SOLE   0 0 196,870
ISHARES TR MSCI USA QLT FCT 46432F339 9,556 85,532 SH   SOLE   0 0 85,532
ISHARES TR MSCI USA SMCP MN 46435G433 4,359 127,953 SH   SOLE   0 0 127,953
ISHARES TR MSCI USA SML CP 46434V290 4,120 87,876 SH   SOLE   0 0 87,876
ISHARES TR NATIONAL MUN ETF 464288414 1,230 11,569 SH   SOLE   0 0 11,569
ISHARES TR RUSSELL 2000 ETF 464287655 934 5,513 SH   SOLE   0 0 5,513
ISHARES TR RUSSELL 3000 ETF 464287689 507 2,330 SH   SOLE   0 0 2,330
ISHARES TR U S EQUITY FACTR 46434V282 8,922 235,416 SH   SOLE   0 0 235,416
JOHNSON & JOHNSON COM 478160104 393 2,213 SH   SOLE   0 0 2,213
LOCKHEED MARTIN CORP COM 539830109 845 1,965 SH   SOLE   0 0 1,965
MERCK & CO INC COM 58933Y105 236 2,587 SH   SOLE   0 0 2,587
MICROSOFT CORP COM 594918104 706 2,750 SH   SOLE   0 0 2,750
NORTONLIFELOCK INC COM 668771108 348 15,853 SH   SOLE   0 0 15,853
ORACLE CORP COM 68389X105 283 4,049 SH   SOLE   0 0 4,049
PEPSICO INC COM 713448108 643 3,856 SH   SOLE   0 0 3,856
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 610 24,034 SH   SOLE   0 0 24,034
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,863 122,835 SH   SOLE   0 0 122,835
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 1,451 28,889 SH   SOLE   0 0 28,889
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 948 18,618 SH   SOLE   0 0 18,618
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 719 15,879 SH   SOLE   0 0 15,879
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 4,107 158,387 SH   SOLE   0 0 158,387
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,345 118,148 SH   SOLE   0 0 118,148
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 4,570 150,275 SH   SOLE   0 0 150,275
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 994 20,769 SH   SOLE   0 0 20,769
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,621 81,937 SH   SOLE   0 0 81,937
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 650 14,548 SH   SOLE   0 0 14,548
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,823 63,215 SH   SOLE   0 0 63,215
SPDR S&P 500 ETF TR TR UNIT 78462F103 539 1,430 SH   SOLE   0 0 1,430
SPDR SER TR PORTFOLI S&P1500 78464A805 1,487 32,002 SH   SOLE   0 0 32,002
UNITEDHEALTH GROUP INC COM 91324P102 284 553 SH   SOLE   0 0 553
VANGUARD INDEX FDS LARGE CAP ETF 922908637 18,564 107,714 SH   SOLE   0 0 107,714
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,799 15,891 SH   SOLE   0 0 15,891
VANGUARD INDEX FDS TOTAL STK MKT 922908769 34,370 182,218 SH   SOLE   0 0 182,218
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 5,661 113,304 SH   SOLE   0 0 113,304
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,690 64,594 SH   SOLE   0 0 64,594
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 371 3,591 SH   SOLE   0 0 3,591
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,105 22,139 SH   SOLE   0 0 22,139
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,622 32,212 SH   SOLE   0 0 32,212
VANGUARD STAR FDS VG TL INTL STK F 921909768 376 7,279 SH   SOLE   0 0 7,279
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 11,170 273,762 SH   SOLE   0 0 273,762
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,887 56,654 SH   SOLE   0 0 56,654
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,789 62,371 SH   SOLE   0 0 62,371