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
DBX ETF TR XTRACKERS S&P 233051143   126,957 2,383 SH   SOLE   2,383 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   54,602 839 SH   SOLE   839 0 0
INVESCO EXCH TRADED FD TR II INTL CORP BD 46138E636   19,547,050 905,795 SH   SOLE   905,795 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   41,116 1,231 SH   SOLE   1,231 0 0
ISHARES INC CORE MSCI EMKT 46434G103   40,993 785 SH   SOLE   785 0 0
ISHARES TR CORE S&P MCP ETF 464287507   30,000,058 481,465 SH   SOLE   481,465 0 0
ISHARES TR CORE MSCI EAFE 46432F842   5,355,189 76,198 SH   SOLE   76,198 0 0
ISHARES TR CORE S&P SCP ETF 464287804   4,153,584 36,049 SH   SOLE   36,049 0 0
ISHARES TR MICRO-CAP ETF 464288869   978,353 7,504 SH   SOLE   7,504 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   3,789,257 90,609 SH   SOLE   90,609 0 0
ISHARES TR EAFE GRWTH ETF 464288885   367,216 3,792 SH   SOLE   3,792 0 0
ISHARES TR EAFE VALUE ETF 464288877   146,300 2,788 SH   SOLE   2,788 0 0
ISHARES TR ESG AWARE MSCI 46435U663   134,439 3,197 SH   SOLE   3,197 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,280,790 30,165 SH   SOLE   30,165 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   566,999 2,566 SH   SOLE   2,566 0 0
ISHARES TR ESG SCRD S&P MID 46436E551   100,069 2,392 SH   SOLE   2,392 0 0
ISHARES TR CORE S&P TTL STK 464287150   65,795 512 SH   SOLE   512 0 0
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409   26,604 562 SH   SOLE   562 0 0
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508   23,756 682 SH   SOLE   682 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   11,433,348 482,827 SH   SOLE   482,827 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   156,917 8,482 SH   SOLE   8,482 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   770,573 18,947 SH   SOLE   18,947 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   21,065 549 SH   SOLE   549 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   436,400 14,084 SH   SOLE   14,084 0 0
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106   338,954 8,514 SH   SOLE   8,514 0 0
SPDR INDEX SHS FDS MSCI EMR MKT ETF 78470E205   166,561 5,157 SH   SOLE   5,157 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   83,892,168 143,141 SH   SOLE   143,141 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   702,069 1,233 SH   SOLE   1,233 0 0
SPDR SER TR DJ REIT ETF 78464A607   475,929 4,814 SH   SOLE   4,814 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201   547,256 6,057 SH   SOLE   6,057 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   47,993 546 SH   SOLE   546 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   103,577 2,025 SH   SOLE   2,025 0 0
SPDR SER TR S&P 400 MDCP GRW 78464A821   111,489 1,283 SH   SOLE   1,283 0 0
SPDR SER TR S&P 400 MDCP VAL 78464A839   226,734 2,827 SH   SOLE   2,827 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   89,263 1,023 SH   SOLE   1,023 0 0
SPDR SER TR SPDR S&P 500 ETF 78468R796   167,080 3,470 SH   SOLE   3,470 0 0
SPDR SER TR BLOOMBERG INTL 78464A151   25,025 882 SH   SOLE   882 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606   36,130 1,539 SH   SOLE   1,539 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   238,970 886 SH   SOLE   886 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   94,030 356 SH   SOLE   356 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   112,775 1,266 SH   SOLE   1,266 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   37,965 131 SH   SOLE   131 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   52,065 97 SH   SOLE   97 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   19,222 80 SH   SOLE   80 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,081,572 27,340 SH   SOLE   27,340 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   210,792 4,786 SH   SOLE   4,786 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   234,335 1,995 SH   SOLE   1,995 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   12,089,907 154,979 SH   SOLE   154,979 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   153,861 1,917 SH   SOLE   1,917 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   54,563 1,141 SH   SOLE   1,141 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   95,855 1,691 SH   SOLE   1,691 0 0