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
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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
ABBVIE INC COM 00287Y109   253,666 1,393 SH   SOLE   1,393 0 0
AMPLIFY ETF TR CWP ENHANCED DIV 032108409   3,217,709 82,760 SH   SOLE   77,255 1,665 3,840
APPLE INC COM 037833100   1,623,542 9,468 SH   SOLE   8,885 0 583
ARES CAPITAL CORP COM 04010L103   382,372 18,366 SH   SOLE   18,366 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   370,780 1,485 SH   SOLE   1,407 0 78
COLGATE PALMOLIVE CO COM 194162103   314,275 3,490 SH   SOLE   3,490 0 0
EXXON MOBIL CORP COM 30231G102   862,501 7,420 SH   SOLE   7,420 0 0
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   2,939,771 95,169 SH   SOLE   89,204 2,015 3,950
INTERNATIONAL BUSINESS MACHS COM 459200101   637,197 3,337 SH   SOLE   3,337 0 0
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263   5,406,401 97,360 SH   SOLE   90,550 2,175 4,635
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   1,883,809 17,690 SH   SOLE   15,343 84 2,263
INVESCO QQQ TR UNIT SER 1 46090E103   10,790,982 24,303 SH   SOLE   22,464 737 1,102
ISHARES INC CORE MSCI EMKT 46434G103   2,252,392 43,651 SH   SOLE   40,451 870 2,330
ISHARES INC ESG AWR MSCI EM 46434G863   1,708,932 53,023 SH   SOLE   49,542 770 2,711
ISHARES TR MSCI KLD400 SOC 464288570   212,710 2,110 SH   SOLE   1,630 160 320
ISHARES TR CORE MSCI EAFE 46432F842   231,270 3,116 SH   SOLE   3,036 80 0
ISHARES TR MSCI USA MMENTM 46432F396   786,121 4,196 SH   SOLE   3,866 0 330
ISHARES TR NATIONAL MUN ETF 464288414   512,714 4,765 SH   SOLE   4,465 0 300
ISHARES TR RUS 1000 GRW ETF 464287614   3,106,590 9,217 SH   SOLE   9,159 0 58
ISHARES TR RUS 1000 VAL ETF 464287598   2,333,629 13,029 SH   SOLE   12,921 0 108
ISHARES TR CORE S&P MCP ETF 464287507   1,713,476 28,210 SH   SOLE   26,285 500 1,425
ISHARES TR ESG AW MSCI EAFE 46435G516   2,974,251 37,220 SH   SOLE   34,200 935 2,085
ISHARES TR CORE S&P SCP ETF 464287804   4,475,508 40,495 SH   SOLE   37,671 609 2,215
ISHARES TR SHRT NAT MUN ETF 464288158   4,464,640 42,630 SH   SOLE   41,040 40 1,550
ISHARES TR CONV BD ETF 46435G102   3,992,698 50,015 SH   SOLE   45,845 705 3,465
ISHARES TR RUS MID CAP ETF 464287499   4,534,301 53,922 SH   SOLE   47,925 482 5,515
ISHARES TR MSCI EAFE ETF 464287465   6,102,257 76,412 SH   SOLE   71,617 1,660 3,135
ISHARES TR RUSSELL 2000 ETF 464287655   16,900,774 80,365 SH   SOLE   75,460 1,805 3,100
ISHARES TR MSCI EMG MKT ETF 464287234   4,210,646 102,499 SH   SOLE   95,154 2,735 4,610
ISHARES TR MSCI INTL QUALTY 46434V456   4,308,663 108,640 SH   SOLE   99,480 2,135 7,025
JOHNSON & JOHNSON COM 478160104   254,951 1,612 SH   SOLE   1,612 0 0
JPMORGAN CHASE & CO COM 46625H100   336,504 1,680 SH   SOLE   1,680 0 0
MERCK & CO INC COM 58933Y105   262,977 1,993 SH   SOLE   1,990 0 3
MICROSOFT CORP COM 594918104   951,758 2,262 SH   SOLE   2,262 0 0
PROCTER AND GAMBLE CO COM 742718109   219,200 1,351 SH   SOLE   1,251 0 100
SPDR GOLD TR GOLD SHS 78463V107   5,161,515 25,090 SH   SOLE   23,620 735 735
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,501,296 69,791 SH   SOLE   65,161 1,525 3,105
SPDR S&P 500 ETF TR TR UNIT 78462F103   18,970,204 36,267 SH   SOLE   34,319 858 1,090
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,455,553 4,413 SH   SOLE   4,321 35 57
SPDR SER TR BBG CONV SEC ETF 78464A359   5,935,742 81,267 SH   SOLE   76,412 1,520 3,335
SPDR SER TR BLOOMBERG INTL T 78464A516   2,488,323 111,885 SH   SOLE   103,935 3,780 4,170
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   513,920 6,703 SH   SOLE   6,255 415 33
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,190,333 44,528 SH   SOLE   39,130 350 5,048
VANGUARD INDEX FDS SMALL CP ETF 922908751   962,920 4,212 SH   SOLE   3,538 65 609
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,646,467 6,335 SH   SOLE   5,884 0 451
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,214,320 60,295 SH   SOLE   55,356 1,530 3,409
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   13,570,733 283,373 SH   SOLE   268,628 11,350 3,395
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   249,628 1,367 SH   SOLE   1,310 0 57
VANGUARD WORLD FD INF TECH ETF 92204A702   342,395 653 SH   SOLE   653 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   4,323,451 15,982 SH   SOLE   14,439 720 823