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
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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 913 6,097 SH   SOLE   0 0 6,097
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 430 1,499 SH   SOLE   0 0 1,499
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 10,662 327,568 SH   SOLE   0 0 327,568
ISHARES TR S&P 500 GRWT ETF 464287309 358 4,436 SH   SOLE   0 0 4,436
ISHARES TR ISHS 1-5YR INVS 464288646 494 9,095 SH   SOLE   0 0 9,095
ISHARES TR CORE MSCI EAFE 46432F842 667 8,721 SH   SOLE   0 0 8,721
ISHARES TR CORE MSCI TOTAL 46432F834 352 4,823 SH   SOLE   0 0 4,823
ISHARES TR CORE S&P MCP ETF 464287507 34,917 125,307 SH   SOLE   0 0 125,307
ISHARES TR CORE S&P SCP ETF 464287804 16,753 148,180 SH   SOLE   0 0 148,180
ISHARES TR CORE S&P TTL STK 464287150 653 6,229 SH   SOLE   0 0 6,229
ISHARES TR CORE S&P500 ETF 464287200 7,818 16,959 SH   SOLE   0 0 16,959
ISHARES TR CORE US AGGBD ET 464287226 470 4,104 SH   SOLE   0 0 4,104
ISHARES TR EAFE SML CP ETF 464288273 258 3,383 SH   SOLE   0 0 3,383
ISHARES TR ESG AWRE 1 5 YR 46435G243 349 13,513 SH   SOLE   0 0 13,513
ISHARES TR ESG AW MSCI EAFE 46435G516 246 3,042 SH   SOLE   0 0 3,042
ISHARES TR ESG AWARE MSCI 46435U663 255 6,251 SH   SOLE   0 0 6,251
ISHARES TR ESG AWR US AGRGT 46435U549 437 7,918 SH   SOLE   0 0 7,918
ISHARES TR IBOXX INV CP ETF 464287242 212 1,589 SH   SOLE   0 0 1,589
ISHARES TR MSCI EAFE ETF 464287465 589 7,314 SH   SOLE   0 0 7,314
LOCKHEED MARTIN CORP COM 539830109 332 1,000 SH   SOLE   0 0 1,000
MARSH & MCLENNAN COS INC COM 571748102 584 3,500 SH   SOLE   0 0 3,500
MICROSOFT CORP COM 594918104 406 1,224 SH   SOLE   0 0 1,224
SPDR SER TR PORTFOLIO AGRGTE 78464A649 18,466 619,654 SH   SOLE   0 0 619,654
SPDR SER TR PORTFOLIO LN COR 78464A367 1,137 35,689 SH   SOLE   0 0 35,689
SPDR SER TR PORTFOLIO S&P400 78464A847 1,462 29,909 SH   SOLE   0 0 29,909
SPDR SER TR PORTFOLIO S&P500 78464A854 1,821 33,731 SH   SOLE   0 0 33,731
SPDR SER TR PRTFLO S&P500 GW 78464A409 28,269 404,769 SH   SOLE   0 0 404,769
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 34,703 928,878 SH   SOLE   0 0 928,878
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 7,602 176,293 SH   SOLE   0 0 176,293
SPDR SER TR PORTFOLIO INTRMD 78464A375 10,753 296,229 SH   SOLE   0 0 296,229
SPDR SER TR PORTFOLIO SHORT 78464A474 6,731 216,354 SH   SOLE   0 0 216,354
TESLA INC COM 88160R101 270 242 SH   SOLE   0 0 242
UPSTART HLDGS INC COM 91680M107 201 625 SH   SOLE   0 0 625
VANGUARD WORLD FD ESG US STK ETF 921910733 684 7,974 SH   SOLE   0 0 7,974
VANGUARD INDEX FDS GROWTH ETF 922908736 1,730 5,508 SH   SOLE   0 0 5,508
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 302 3,534 SH   SOLE   0 0 3,534
VANGUARD INDEX FDS VALUE ETF 922908744 27,688 193,972 SH   SOLE   0 0 193,972
VISA INC COM CL A 92826C839 610 2,880 SH   SOLE   0 0 2,880