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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106   282,476 1,516 SH   SOLE   0 0 1,516
APPLE INC COM 037833100   1,255,917 5,390 SH   SOLE   0 0 5,390
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   689,930 1,499 SH   SOLE   0 0 1,499
EATON CORP PLC SHS G29183103   256,866 775 SH   SOLE   0 0 775
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   16,168,645 548,462 SH   SOLE   0 0 548,462
ISHARES TR S&P 500 GRWT ETF 464287309   424,747 4,436 SH   SOLE   0 0 4,436
ISHARES TR S&P 500 VAL ETF 464287408   225,760 1,145 SH   SOLE   0 0 1,145
ISHARES TR ISHS 1-5YR INVS 464288646   404,825 7,688 SH   SOLE   0 0 7,688
ISHARES TR CORE MSCI EAFE 46432F842   825,145 10,572 SH   SOLE   0 0 10,572
ISHARES TR CORE MSCI TOTAL 46432F834   517,561 7,126 SH   SOLE   0 0 7,126
ISHARES TR CORE S&P MCP ETF 464287507   46,368,460 744,038 SH   SOLE   0 0 744,038
ISHARES TR CORE S&P SCP ETF 464287804   21,942,476 187,607 SH   SOLE   0 0 187,607
ISHARES TR CORE S&P TTL STK 464287150   777,588 6,190 SH   SOLE   0 0 6,190
ISHARES TR CORE S&P500 ETF 464287200   5,500,882 9,537 SH   SOLE   0 0 9,537
ISHARES TR CORE US AGGBD ET 464287226   577,598 5,704 SH   SOLE   0 0 5,704
ISHARES TR EAFE SML CP ETF 464288273   278,179 4,109 SH   SOLE   0 0 4,109
ISHARES TR ESG AWRE 1 5 YR 46435G243   374,733 14,894 SH   SOLE   0 0 14,894
ISHARES TR ESG AW MSCI EAFE 46435G516   381,206 4,529 SH   SOLE   0 0 4,529
ISHARES TR ESG AWARE MSCI 46435U663   392,104 9,376 SH   SOLE   0 0 9,376
ISHARES TR ESG AWR US AGRGT 46435U549   550,768 11,335 SH   SOLE   0 0 11,335
ISHARES TR IBOXX INV CP ETF 464287242   221,705 1,962 SH   SOLE   0 0 1,962
ISHARES TR MRGSTR MD CP ETF 464288208   728,652 9,585 SH   SOLE   0 0 9,585
ISHARES TR MSCI EAFE ETF 464287465   936,238 11,195 SH   SOLE   0 0 11,195
ISHARES TR MSCI EMG MKT ETF 464287234   213,524 4,656 SH   SOLE   0 0 4,656
LOCKHEED MARTIN CORP COM 539830109   585,145 1,001 SH   SOLE   0 0 1,001
MARSH & MCLENNAN COS INC COM 571748102   780,815 3,500 SH   SOLE   0 0 3,500
MERCADOLIBRE INC COM 58733R102   439,119 214 SH   SOLE   0 0 214
MICROSOFT CORP COM 594918104   568,795 1,322 SH   SOLE   0 0 1,322
OCUGEN INC COM 67577C105   20,836 21,000 SH   SOLE   0 0 21,000
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   484,310 11,920 SH   SOLE   0 0 11,920
PROSHARES TR SP500 EX HLTH 74347B565   647,110 10,541 SH   SOLE   0 0 10,541
SHOPIFY INC CL A 82509L107   201,151 2,510 SH   SOLE   0 0 2,510
SOFI TECHNOLOGIES INC COM 83406F102   128,118 16,300 SH   SOLE   0 0 16,300
SPDR SER TR PORTFOLIO AGRGTE 78464A649   25,548,047 977,355 SH   SOLE   0 0 977,355
SPDR SER TR PORTFOLIO S&P400 78464A847   3,448,996 63,076 SH   SOLE   0 0 63,076
SPDR SER TR PORTFOLIO S&P500 78464A854   3,925,099 58,141 SH   SOLE   0 0 58,141
SPDR SER TR PRTFLO S&P500 GW 78464A409   38,845,615 468,358 SH   SOLE   0 0 468,358
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   49,593,952 1,320,393 SH   SOLE   0 0 1,320,393
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   10,975,391 265,877 SH   SOLE   0 0 265,877
SPDR SER TR PORTFOLIO INTRMD 78464A375   14,883,656 441,520 SH   SOLE   0 0 441,520
SPDR SER TR PORTFOLIO LN COR 78464A367   910,663 37,693 SH   SOLE   0 0 37,693
SPDR SER TR PORTFOLIO SHORT 78464A474   8,080,430 266,857 SH   SOLE   0 0 266,857
TESLA INC COM 88160R101   229,711 878 SH   SOLE   0 0 878
THE TRADE DESK INC COM CL A 88339J105   239,914 2,188 SH   SOLE   0 0 2,188
VANGUARD WORLD FD ESG US STK ETF 921910733   921,457 9,065 SH   SOLE   0 0 9,065
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   385,455 2,118 SH   SOLE   0 0 2,118
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   230,040 4,356 SH   SOLE   0 0 4,356
VANGUARD INDEX FDS GROWTH ETF 922908736   2,129,276 5,546 SH   SOLE   0 0 5,546
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   271,404 4,308 SH   SOLE   0 0 4,308
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   512,400 6,822 SH   SOLE   0 0 6,822
VANGUARD INDEX FDS VALUE ETF 922908744   39,942,259 228,804 SH   SOLE   0 0 228,804
VISA INC COM CL A 92826C839   792,131 2,881 SH   SOLE   0 0 2,881