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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN INTL GROUP INC COM NEW 026874784   397,576 5,421 SH   SOLE   0 0 5,421
ASTRAZENECA PLC SPONSORED ADR 046353108   248,936 3,205 SH   SOLE   0 0 3,205
BOSTON SCIENTIFIC CORP COM 101137107   241,717 2,900 SH   SOLE   0 0 2,900
CATERPILLAR INC COM 149123101   253,985 649 SH   SOLE   0 0 649
ISHARES TR MSCI KLD400 SOC 464288570   233,957 2,151 SH   SOLE   0 0 2,151
KIMBERLY-CLARK CORP COM 494368103   209,218 1,468 SH   SOLE   0 0 1,468
LOWES COS INC COM 548661107   290,293 1,087 SH   SOLE   0 0 1,087
THERMO FISHER SCIENTIFIC INC COM 883556102   229,874 374 SH   SOLE   0 0 374
WALMART INC COM 931142103   290,453 3,616 SH   SOLE   0 0 3,616
ABBVIE INC COM 00287Y109   601,734 3,083 SH   SOLE   0 0 3,083
ALPHABET INC CAP STK CL C 02079K107   522,098 3,159 SH   SOLE   0 0 3,159
ALPHABET INC CAP STK CL A 02079K305   737,551 4,498 SH   SOLE   0 0 4,498
AMAZON COM INC COM 023135106   863,503 4,594 SH   SOLE   0 0 4,594
AMGEN INC COM 031162100   323,603 1,003 SH   SOLE   0 0 1,003
APPLE INC COM 037833100   2,953,295 12,897 SH   SOLE   0 0 12,897
AUTOMATIC DATA PROCESSING IN COM 053015103   596,809 2,182 SH   SOLE   0 0 2,182
AUTOMATIC DATA PROCESSING IN COM 053015103   877,775 2,922 SH   SOLE   0 0 2,922
BECTON DICKINSON & CO COM 075887109   1,180,259 4,887 SH   SOLE   0 0 4,887
BLACKROCK INC COM 09247X101   248,259 263 SH   SOLE   0 0 263
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   322,880 5,148 SH   SOLE   0 0 5,148
BROADCOM INC COM 11135F101   878,402 5,087 SH   SOLE   0 0 5,087
CHEVRON CORP NEW COM 166764100   650,238 4,441 SH   SOLE   0 0 4,441
CISCO SYS INC COM 17275R102   349,218 6,582 SH   SOLE   0 0 6,582
COCA COLA CO COM 191216100   1,011,685 14,091 SH   SOLE   0 0 14,091
COMCAST CORP NEW CL A 20030N101   238,845 5,732 SH   SOLE   0 0 5,732
CORTEVA INC COM 22052L104   253,314 4,324 SH   SOLE   0 0 4,324
COSTCO WHSL CORP NEW COM 22160K105   280,448 317 SH   SOLE   0 0 317
DOW INC COM 260557103   289,996 5,265 SH   SOLE   0 0 5,265
DUPONT DE NEMOURS INC COM 26614N102   460,325 5,141 SH   SOLE   0 0 5,141
EXXON MOBIL CORP COM 30231G102   770,551 6,595 SH   SOLE   0 0 6,595
META PLATFORMS INC CL A 30303M102   657,585 1,159 SH   SOLE   0 0 1,159
HOME DEPOT INC COM 437076102   978,393 2,446 SH   SOLE   0 0 2,446
ISHARES TR CORE S&P TTL STK 464287150   2,488,952 19,883 SH   SOLE   0 0 19,883
ISHARES TR CORE S&P500 ETF 464287200   1,457,961 2,536 SH   SOLE   0 0 2,536
ISHARES TR RUS 1000 VAL ETF 464287598   468,965 2,477 SH   SOLE   0 0 2,477
ISHARES TR RUS 1000 GRW ETF 464287614   4,647,709 12,432 SH   SOLE   0 0 12,432
ISHARES TR RUS 1000 ETF 464287622   1,633,499 5,209 SH   SOLE   0 0 5,209
ISHARES TR RUSSELL 2000 ETF 464287655   246,925 1,120 SH   SOLE   0 0 1,120
ISHARES TR CORE S&P US VLU 464287663   883,705 9,283 SH   SOLE   0 0 9,283
ISHARES TR CORE S&P US GWT 464287671   1,169,720 8,913 SH   SOLE   0 0 8,913
ISHARES TR CORE S&P SCP ETF 464287804   2,658,087 22,797 SH   SOLE   0 0 22,797
ISHARES TR IBDS DEC28 ETF 46435U515   263,062 10,287 SH   SOLE   0 0 10,287
ISHARES TR CORE HIGH DV ETF 46429B663   885,988 7,561 SH   SOLE   0 0 7,561
ISHARES TR MSCI USA MIN VOL 46429B697   394,510 4,332 SH   SOLE   0 0 4,332
ISHARES TR MSCI USA QLT FCT 46432F339   1,782,579 9,974 SH   SOLE   0 0 9,974
ISHARES TR MSCI USA MMENTM 46432F396   677,378 3,354 SH   SOLE   0 0 3,354
ISHARES TR CORE MSCI TOTAL 46432F834   453,562 6,212 SH   SOLE   0 0 6,212
ISHARES TR CORE MSCI EAFE 46432F842   765,571 9,784 SH   SOLE   0 0 9,784
ISHARES INC CORE MSCI EMKT 46434G103   374,323 6,435 SH   SOLE   0 0 6,435
ISHARES TR CORE DIV GRWTH 46434V621   5,603,295 89,741 SH   SOLE   0 0 89,741
ISHARES TR ESG AWR MSCI USA 46435G425   642,515 5,105 SH   SOLE   0 0 5,105
ISHARES TR 0-3 MNTH TREASRY 46436E718   3,253,575 32,303 SH   SOLE   0 0 32,303
JPMORGAN CHASE & CO. COM 46625H100   1,530,716 7,271 SH   SOLE   0 0 7,271
JOHNSON & JOHNSON COM 478160104   2,093,346 12,963 SH   SOLE   0 0 12,963
ELI LILLY & CO COM 532457108   973,855 1,109 SH   SOLE   0 0 1,109
LOCKHEED MARTIN CORP COM 539830109   374,711 643 SH   SOLE   0 0 643
MARSH & MCLENNAN COS INC COM 571748102   500,304 2,234 SH   SOLE   0 0 2,234
MCDONALDS CORP COM 580135101   522,707 1,720 SH   SOLE   0 0 1,720
MERCK & CO INC COM 58933Y105   368,020 3,237 SH   SOLE   0 0 3,237
MICROSOFT CORP COM 594918104   2,894,796 6,757 SH   SOLE   0 0 6,757
NEXTERA ENERGY INC COM 65339F101   1,190,461 14,082 SH   SOLE   0 0 14,082
NVIDIA CORPORATION COM 67066G104   1,958,946 16,136 SH   SOLE   0 0 16,136
ORACLE CORP COM 68389X105   511,238 3,012 SH   SOLE   0 0 3,012
PALO ALTO NETWORKS INC COM 697435105   220,930 658 SH   SOLE   0 0 658
PEPSICO INC COM 713448108   270,827 1,593 SH   SOLE   0 0 1,593
PROCTER AND GAMBLE CO COM 742718109   456,310 2,630 SH   SOLE   0 0 2,630
SPDR S&P 500 ETF TR TR UNIT 78462F103   267,713 467 SH   SOLE   0 0 467
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   276,631 3,013 SH   SOLE   0 0 3,013
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,196,855 49,791 SH   SOLE   0 0 49,791
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   890,907 5,819 SH   SOLE   0 0 5,819
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   378,957 1,887 SH   SOLE   0 0 1,887
SELECT SECTOR SPDR TR ENERGY 81369Y506   257,847 2,957 SH   SOLE   0 0 2,957
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   577,933 12,799 SH   SOLE   0 0 12,799
SELECT SECTOR SPDR TR INDL 81369Y704   290,668 2,155 SH   SOLE   0 0 2,155
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   587,066 2,608 SH   SOLE   0 0 2,608
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   400,664 4,451 SH   SOLE   0 0 4,451
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   831,437 18,756 SH   SOLE   0 0 18,756
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   409,409 5,088 SH   SOLE   0 0 5,088
TEXAS INSTRS INC COM 882508104   391,068 1,870 SH   SOLE   0 0 1,870
UNITEDHEALTH GROUP INC COM 91324P102   391,108 672 SH   SOLE   0 0 672
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,708,808 8,656 SH   SOLE   0 0 8,656
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   519,835 9,817 SH   SOLE   0 0 9,817
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   5,826,098 45,590 SH   SOLE   0 0 45,590
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,616,642 21,937 SH   SOLE   0 0 21,937
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   344,683 5,441 SH   SOLE   0 0 5,441
VANGUARD WORLD FD INF TECH ETF 92204A702   386,916 661 SH   SOLE   0 0 661
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   283,069 3,372 SH   SOLE   0 0 3,372
VANGUARD INDEX FDS GROWTH ETF 922908736   933,799 2,442 SH   SOLE   0 0 2,442
VANGUARD INDEX FDS VALUE ETF 922908744   902,698 5,189 SH   SOLE   0 0 5,189
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,293,177 8,127 SH   SOLE   0 0 8,127
VERIZON COMMUNICATIONS INC COM 92343V104   392,546 8,743 SH   SOLE   0 0 8,743
VISA INC COM CL A 92826C839   502,041 1,825 SH   SOLE   0 0 1,825
WELLS FARGO CO NEW COM 949746101   252,792 4,522 SH   SOLE   0 0 4,522
WISDOMTREE TR US QTLY DIV GRT 97717X669   1,819,361 21,946 SH   SOLE   0 0 21,946
EATON CORP PLC SHS G29183103   334,215 1,018 SH   SOLE   0 0 1,018
LINDE PLC SHS G54950103   287,322 599 SH   SOLE   0 0 599
SALESFORCE INC COM 79466L302   210,041 759 SH   SOLE   0 0 759
ISHARES TR EAFE VALUE ETF 464288877   249,097 4,313 SH   SOLE   0 0 4,313
GOLDMAN SACHS GROUP INC COM 38141G104   223,654 449 SH   SOLE   0 0 449
ISHARES TR IBOXX INV CP ETF 464287242   271,551 11,166 SH   SOLE   0 0 11,166
ISHARES TR IBONDS 27 ETF 46435UAA9   279,013 11,433 SH   SOLE   0 0 11,433
ISHARES TR IBONDS DEC 29 46436E205   241,382 10,249 SH   SOLE   0 0 10,249
ISHARES TR IBONDS DEC 2030 46436E726   215,370 9,697 SH   SOLE   0 0 9,697
INTERNATIONAL BUSINESS MACHS COM 459200101   214,781 972 SH   SOLE   0 0 972
ISHARES TR IBOXX HI YD ETF 464288513   650,220 13,765 SH   SOLE   0 0 13,765
ISHARES TR S&P 500 GRWT ETF 464287309   207,920 2,182 SH   SOLE   0 0 2,182
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104   153,504 12,106 SH   SOLE   0 0 12,106
ISHARES TR MSCI USA ESG SLC 464288802   210,785 1,758 SH   SOLE   0 0 1,758
ISHARES TR ESG MSCI USA ETF 46436E767   228,354 4,653 SH   SOLE   0 0 4,653