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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 594 3,710 SH   SOLE   3,710 0 0
ABB LTD SPONSORED ADR 000375204 1,000 39,300 SH   SOLE   39,300 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,275 2,600 SH   SOLE   2,600 0 0
ALLSTATE CORP COM 020002101 1,006 10,684 SH   SOLE   10,684 0 0
ALPHABET INC CAP STK CL C 02079K107 2,246 1,528 SH   SOLE   1,528 0 0
AMAZON COM INC COM 023135106 614 195 SH   SOLE   195 0 0
AMERICAN TOWER CORP NEW COM 03027X100 496 2,052 SH   SOLE   2,052 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 244 4,525 SH   SOLE   4,525 0 0
APPLE INC COM 037833100 8,897 76,823 SH   SOLE   76,823 0 0
ARK ETF TR INNOVATION ETF 00214Q104 1,032 11,216 SH   SOLE   11,216 0 0
AT&T INC COM 00206R102 403 14,143 SH   SOLE   14,143 0 0
AUTOLIV INC COM 052800109 301 4,130 SH   SOLE   4,130 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,388 6,520 SH   SOLE   6,520 0 0
BOEING CO COM 097023105 311 1,880 SH   SOLE   1,880 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 707 11,733 SH   SOLE   11,733 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 429 9,000 SH   SOLE   9,000 0 0
CHEVRON CORP NEW COM 166764100 850 11,810 SH   SOLE   11,810 0 0
CIGNA CORP NEW COM 125523100 729 4,305 SH   SOLE   4,305 0 0
COCA COLA CO COM 191216100 301 6,096 SH   SOLE   6,096 0 0
COMCAST CORP NEW CL A 20030N101 1,184 25,584 SH   SOLE   25,584 0 0
CONOCOPHILLIPS COM 20825C104 349 10,638 SH   SOLE   10,638 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,136 3,200 SH   SOLE   3,200 0 0
CSX CORP COM 126408103 1,231 15,847 SH   SOLE   15,847 0 0
CVS HEALTH CORP COM 126650100 981 16,795 SH   SOLE   16,795 0 0
DTE ENERGY CO COM 233331107 205 1,783 SH   SOLE   1,783 0 0
ECOLAB INC COM 278865100 1,656 8,285 SH   SOLE   8,285 0 0
EXXON MOBIL CORP COM 30231G102 446 12,983 SH   SOLE   12,983 0 0
FACEBOOK INC CL A 30303M102 249 949 SH   SOLE   949 0 0
FLEXSHARES TR STOX ESG INDEX 33939L696 436 5,350 SH   SOLE   5,350 0 0
GENERAL ELECTRIC CO COM 369604103 187 29,962 SH   SOLE   29,962 0 0
HOME DEPOT INC COM 437076102 208 748 SH   SOLE   748 0 0
INTEL CORP COM 458140100 1,866 36,045 SH   SOLE   36,045 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,328 10,917 SH   SOLE   10,917 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 335 1,204 SH   SOLE   1,204 0 0
ISHARES INC MSCI EMERG MRKT 464286533 436 7,895 SH   SOLE   7,895 0 0
ISHARES TR MRNGSTR LG-CP GR 464287119 227 850 SH   SOLE   850 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 16,842 264,270 SH   SOLE   264,270 0 0
ISHARES TR U.S. TECH ETF 464287721 1,184 3,934 SH   SOLE   3,934 0 0
ISHARES TR IBONDS DEC2021 46435G789 1,050 40,510 SH   SOLE   40,510 0 0
ISHARES TR COHEN STEER REIT 464287564 295 2,890 SH   SOLE   2,890 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,260 28,580 SH   SOLE   28,580 0 0
ISHARES TR IBONDS DEC 26 46435U259 552 20,500 SH   SOLE   20,500 0 0
ISHARES TR MSCI USA MMENTM 46432F396 14,439 97,959 SH   SOLE   97,959 0 0
ISHARES TR US HLTHCARE ETF 464287762 227 1,000 SH   SOLE   1,000 0 0
ISHARES TR IBONDS DEC 46435U697 1,126 41,550 SH   SOLE   41,550 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 8,496 81,895 SH   SOLE   81,895 0 0
ISHARES TR IBONDS DEC 25 46435U432 1,079 38,400 SH   SOLE   38,400 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,096 41,705 SH   SOLE   41,705 0 0
ISHARES TR TIPS BD ETF 464287176 247 1,950 SH   SOLE   1,950 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 10,068 147,769 SH   SOLE   147,769 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 6,157 96,995 SH   SOLE   96,995 0 0
ISHARES TR IBONDS DEC2022 46435G755 1,075 40,560 SH   SOLE   40,560 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 2,397 47,000 SH   SOLE   47,000 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 6,501 127,992 SH   SOLE   127,992 0 0
JOHNSON & JOHNSON COM 478160104 3,083 20,711 SH   SOLE   20,711 0 0
JPMORGAN CHASE & CO COM 46625H100 622 6,466 SH   SOLE   6,466 0 0
KIMBERLY CLARK CORP COM 494368103 1,046 7,087 SH   SOLE   7,087 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 1,317 27,930 SH   SOLE   27,930 0 0
LILLY ELI & CO COM 532457108 222 1,500 SH   SOLE   1,500 0 0
MICROSOFT CORP COM 594918104 3,386 16,099 SH   SOLE   16,099 0 0
NORFOLK SOUTHN CORP COM 655844108 1,519 7,100 SH   SOLE   7,100 0 0
ORACLE CORP COM 68389X105 413 6,925 SH   SOLE   6,925 0 0
PEPSICO INC COM 713448108 913 6,588 SH   SOLE   6,588 0 0
PFIZER INC COM 717081103 1,455 39,642 SH   SOLE   39,642 0 0
PHILLIPS 66 COM 718546104 306 5,910 SH   SOLE   5,910 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 85 15,517 SH   SOLE   15,517 0 0
PROCTER AND GAMBLE CO COM 742718109 446 3,211 SH   SOLE   3,211 0 0
QUALCOMM INC COM 747525103 1,104 9,378 SH   SOLE   9,378 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 9,682 187,992 SH   SOLE   187,992 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 521 15,750 SH   SOLE   15,750 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,672 48,313 SH   SOLE   48,313 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 251 4,470 SH   SOLE   4,470 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 921 15,697 SH   SOLE   15,697 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 636 21,720 SH   SOLE   21,720 0 0
STARBUCKS CORP COM 855244109 400 4,650 SH   SOLE   4,650 0 0
TESLA INC COM 88160R101 335 780 SH   SOLE   780 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,248 7,210 SH   SOLE   7,210 0 0
VANECK VECTORS ETF TR SEMICONDUCTOR ET 92189F676 321 1,841 SH   SOLE   1,841 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 26,896 323,856 SH   SOLE   323,856 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 19,403 207,560 SH   SOLE   207,560 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 401 6,890 SH   SOLE   6,890 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 470 4,500 SH   SOLE   4,500 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 11,650 51,182 SH   SOLE   51,182 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 776 7,660 SH   SOLE   7,660 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 12,038 78,273 SH   SOLE   78,273 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 455 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,385 8,131 SH   SOLE   8,131 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 8,374 47,510 SH   SOLE   47,510 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,138 10,289 SH   SOLE   10,289 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,707 39,479 SH   SOLE   39,479 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 12,707 98,763 SH   SOLE   98,763 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,869 119,035 SH   SOLE   119,035 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 8,940 124,155 SH   SOLE   124,155 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 256 3,166 SH   SOLE   3,166 0 0
VISA INC COM CL A 92826C839 1,890 9,453 SH   SOLE   9,453 0 0
WYNN RESORTS LTD COM 983134107 308 4,295 SH   SOLE   4,295 0 0