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
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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
ADOBE INC COM 00724F101   507,208 913 SH   SOLE 0 0 0 913
ALPHABET INC CAP STK CL A 02079K305   396,176 2,175 SH   SOLE 0 0 0 2,175
ALPHABET INC CAP STK CL C 02079K107   289,804 1,580 SH   SOLE 0 0 0 1,580
AMPHENOL CORP NEW CL A 032095101   398,022 5,908 SH   SOLE 0 0 0 5,908
ANALOG DEVICES INC COM 032654105   1,245,387 5,456 SH   SOLE 0 0 0 5,456
APPLE INC COM 037833100   1,146,489 5,443 SH   SOLE 0 0 0 5,443
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,497,024 3,680 SH   SOLE 0 0 0 3,680
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   4,364,863 73,474 SH   SOLE 0 0 0 73,474
BLACKROCK ETF TRUST WORLD EX US CARB 09290C608   718,476 16,044 SH   SOLE 0 0 0 16,044
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   38,329,984 816,574 SH   SOLE 0 0 0 816,574
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   6,744,083 129,197 SH   SOLE 0 0 0 129,197
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   478,233 7,004 SH   SOLE 0 0 0 7,004
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300   1,168,597 43,410 SH   SOLE 0 0 0 43,410
CDW CORP COM 12514G108   281,815 1,259 SH   SOLE 0 0 0 1,259
CHEVRON CORP NEW COM 166764100   243,233 1,555 SH   SOLE 0 0 0 1,555
COSTCO WHSL CORP NEW COM 22160K105   400,534 471 SH   SOLE 0 0 0 471
DBX ETF TR XTRACK MSCI EAFE 233051200   440,383 10,627 SH   SOLE 0 0 0 10,627
DELL TECHNOLOGIES INC CL C 24703L202   379,390 2,751 SH   SOLE 0 0 0 2,751
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   338,923 5,759 SH   SOLE 0 0 0 5,759
EXXON MOBIL CORP COM 30231G102   274,889 2,388 SH   SOLE 0 0 0 2,388
GLOBAL X FDS US INFR DEV ETF 37954Y673   8,775,984 237,061 SH   SOLE 0 0 0 237,061
GLOBAL X FDS S&P 500 QLT ETF 37954Y616   412,071 12,384 SH   SOLE 0 0 0 12,384
GLOBAL X FDS ADAPTIVE US 37954Y574   3,111,955 78,434 SH   SOLE 0 0 0 78,434
GLOBAL X FDS DEFENSE TECH ETF 37960A529   2,541,469 76,712 SH   SOLE 0 0 0 76,712
HOME DEPOT INC COM 437076102   669,642 1,945 SH   SOLE 0 0 0 1,945
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   8,272,180 41,967 SH   SOLE 0 0 0 41,967
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,090,495 12,725 SH   SOLE 0 0 0 12,725
INVESCO QQQ TR UNIT SER 1 46090E103   812,540 1,696 SH   SOLE 0 0 0 1,696
ISHARES INC CORE MSCI EMKT 46434G103   8,685,671 162,258 SH   SOLE 0 0 0 162,258
ISHARES INC ESG AWR MSCI EM 46434G863   1,025,405 30,582 SH   SOLE 0 0 0 30,582
ISHARES INC MSCI EMRG CHN 46434G764   6,405,618 108,203 SH   SOLE 0 0 0 108,203
ISHARES INC MSCI EQUAL WEITE 464286681   1,371,846 15,545 SH   SOLE 0 0 0 15,545
ISHARES TR ESG AWRE USD ETF 46435G193   3,057,812 134,587 SH   SOLE 0 0 0 134,587
ISHARES TR RUSSELL 2000 ETF 464287655   813,386 4,009 SH   SOLE 0 0 0 4,009
ISHARES TR S&P 500 VAL ETF 464287408   13,459,093 73,947 SH   SOLE 0 0 0 73,947
ISHARES TR S&P 500 GRWT ETF 464287309   27,935,077 301,870 SH   SOLE 0 0 0 301,870
ISHARES TR RUS 1000 ETF 464287622   1,720,376 5,782 SH   SOLE 0 0 0 5,782
ISHARES TR MSCI ACWI ETF 464288257   853,678 7,595 SH   SOLE 0 0 0 7,595
ISHARES TR CORE S&P MCP ETF 464287507   715,085 12,219 SH   SOLE 0 0 0 12,219
ISHARES TR RUS 1000 GRW ETF 464287614   3,320,322 9,109 SH   SOLE 0 0 0 9,109
ISHARES TR RUS MD CP GR ETF 464287481   600,525 5,442 SH   SOLE 0 0 0 5,442
ISHARES TR MBS ETF 464288588   16,216,755 176,634 SH   SOLE 0 0 0 176,634
ISHARES TR 20 YR TR BD ETF 464287432   9,605,052 104,653 SH   SOLE 0 0 0 104,653
ISHARES TR CORE S&P500 ETF 464287200   115,361,601 210,810 SH   SOLE 0 0 0 210,810
ISHARES TR EAFE VALUE ETF 464288877   11,091,298 209,112 SH   SOLE 0 0 0 209,112
ISHARES TR INVESTMENT GRADE 46435G219   1,782,740 40,188 SH   SOLE 0 0 0 40,188
ISHARES TR GLOBAL TECH ETF 464287291   2,092,447 25,265 SH   SOLE 0 0 0 25,265
ISHARES TR US INFRASTRUC 46435U713   2,730,724 64,832 SH   SOLE 0 0 0 64,832
ISHARES TR EAFE GRWTH ETF 464288885   21,621,520 211,354 SH   SOLE 0 0 0 211,354
ISHARES TR MSCI KLD400 SOC 464288570   3,140,524 30,241 SH   SOLE 0 0 0 30,241
ISHARES TR U.S. TECH ETF 464287721   10,316,324 68,547 SH   SOLE 0 0 0 68,547
ISHARES TR JPMORGAN USD EMG 464288281   2,698,527 30,499 SH   SOLE 0 0 0 30,499
ISHARES TR ESG AWR US AGRGT 46435U549   2,098,186 45,016 SH   SOLE 0 0 0 45,016
ISHARES TR CORE TOTAL USD 46434V613   66,930,410 1,480,106 SH   SOLE 0 0 0 1,480,106
ISHARES TR MSCI USA QLT FCT 46432F339   46,952,233 274,960 SH   SOLE 0 0 0 274,960
ISHARES TR U.S. MED DVC ETF 464288810   689,516 12,304 SH   SOLE 0 0 0 12,304
ISHARES TR TIPS BD ETF 464287176   1,071,579 10,035 SH   SOLE 0 0 0 10,035
ISHARES TR NATIONAL MUN ETF 464288414   1,890,623 17,744 SH   SOLE 0 0 0 17,744
ISHARES TR HDG MSCI EAFE 46434V803   3,447,131 96,952 SH   SOLE 0 0 0 96,952
ISHARES TR ESG MSCI USA ETF 46436E767   2,769,009 59,446 SH   SOLE 0 0 0 59,446
ISHARES TR COHEN STEER REIT 464287564   271,096 4,732 SH   SOLE 0 0 0 4,732
ISHARES TR IBOXX INV CP ETF 464287242   1,506,857 14,067 SH   SOLE 0 0 0 14,067
ISHARES TR RUS 1000 VAL ETF 464287598   993,607 5,695 SH   SOLE 0 0 0 5,695
ISHARES TR CONV BD ETF 46435G102   239,350 3,044 SH   SOLE 0 0 0 3,044
ISHARES TR ESG ADV TTL USD 46436E619   1,398,621 32,870 SH   SOLE 0 0 0 32,870
ISHARES TR CORE MSCI TOTAL 46432F834   410,562 6,077 SH   SOLE 0 0 0 6,077
ISHARES TR US TREAS BD ETF 46429B267   3,626,638 160,684 SH   SOLE 0 0 0 160,684
ISHARES TR CORE US AGGBD ET 464287226   303,053 3,122 SH   SOLE 0 0 0 3,122
ISHARES TR ESG AWR MSCI USA 46435G425   21,332,491 178,784 SH   SOLE 0 0 0 178,784
ISHARES TR TRS FLT RT BD 46434V860   281,214 5,551 SH   SOLE 0 0 0 5,551
ISHARES TR ESG EAFE ETF 46436E759   1,443,674 21,411 SH   SOLE 0 0 0 21,411
ISHARES U S ETF TR IT RT HDG HGYL 46431W606   1,445,340 17,004 SH   SOLE 0 0 0 17,004
ISHARES U S ETF TR INT RT HDG C B 46431W705   1,452,403 15,629 SH   SOLE 0 0 0 15,629
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   329,175 7,105 SH   SOLE 0 0 0 7,105
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   1,237,296 22,879 SH   SOLE 0 0 0 22,879
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   3,643,331 68,807 SH   SOLE 0 0 0 68,807
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   12,198,443 268,629 SH   SOLE 0 0 0 268,629
J P MORGAN EXCHANGE TRADED F USD EMRNG MKT 46641Q746   612,351 15,835 SH   SOLE 0 0 0 15,835
JOHNSON & JOHNSON COM 478160104   245,256 1,678 SH   SOLE 0 0 0 1,678
KRANESHARES TRUST MSCI EMG EX CH 500767769   933,058 31,060 SH   SOLE 0 0 0 31,060
LOWES COS INC COM 548661107   208,555 946 SH   SOLE 0 0 0 946
MICROSOFT CORP COM 594918104   2,970,941 6,647 SH   SOLE 0 0 0 6,647
MOODYS CORP COM 615369105   226,460 538 SH   SOLE 0 0 0 538
NOVO-NORDISK A S ADR 670100205   209,257 1,466 SH   SOLE 0 0 0 1,466
PACER FDS TR PACER US SMALL 69374H857   1,159,403 26,616 SH   SOLE 0 0 0 26,616
PACER FDS TR GLOBL CASH ETF 69374H709   8,092,889 240,003 SH   SOLE 0 0 0 240,003
PROCTER AND GAMBLE CO COM 742718109   221,158 1,341 SH   SOLE 0 0 0 1,341
QUANTA SVCS INC COM 74762E102   725,681 2,856 SH   SOLE 0 0 0 2,856
READY CAPITAL CORP COM 75574U101   132,663 16,218 SH   SOLE 0 0 0 16,218
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   382,874 8,069 SH   SOLE 0 0 0 8,069
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,543,593 135,893 SH   SOLE 0 0 0 135,893
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   398,116 3,948 SH   SOLE 0 0 0 3,948
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   580,414 7,464 SH   SOLE 0 0 0 7,464
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   311,949 13,235 SH   SOLE 0 0 0 13,235
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,060,022 63,191 SH   SOLE 0 0 0 63,191
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,453,709 18,678 SH   SOLE 0 0 0 18,678
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,975,829 13,154 SH   SOLE 0 0 0 13,154
SELECT SECTOR SPDR TR ENERGY 81369Y506   238,651 2,618 SH   SOLE 0 0 0 2,618
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   5,105,171 180,331 SH   SOLE 0 0 0 180,331
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,250,352 4,135 SH   SOLE 0 0 0 4,135
SPDR SER TR PORTFLI TIPS ETF 78464A656   200,971 7,906 SH   SOLE 0 0 0 7,906
SPDR SER TR PORT MTG BK ETF 78464A383   3,329,049 154,337 SH   SOLE 0 0 0 154,337
SPDR SER TR NUVEEN BLMBRG SH 78468R739   232,788 4,933 SH   SOLE 0 0 0 4,933
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,091,758 51,064 SH   SOLE 0 0 0 51,064
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,062,480 62,833 SH   SOLE 0 0 0 62,833
STRYKER CORPORATION COM 863667101   200,748 590 SH   SOLE 0 0 0 590
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   4,997,143 159,094 SH   SOLE 0 0 0 159,094
THERMO FISHER SCIENTIFIC INC COM 883556102   316,869 573 SH   SOLE 0 0 0 573
UNITEDHEALTH GROUP INC COM 91324P102   303,807 597 SH   SOLE 0 0 0 597
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,391,855 5,203 SH   SOLE 0 0 0 5,203
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   13,613,839 27,221 SH   SOLE 0 0 0 27,221
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,290,035 29,211 SH   SOLE 0 0 0 29,211
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   1,623,231 28,142 SH   SOLE 0 0 0 28,142
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   265,354 4,557 SH   SOLE 0 0 0 4,557
VANGUARD WORLD FD MEGA GRWTH IND 921910816   5,693,485 18,120 SH   SOLE 0 0 0 18,120
VERISK ANALYTICS INC COM 92345Y106   247,986 920 SH   SOLE 0 0 0 920
WISDOMTREE TR INTL QULTY DIV 97717X131   3,025,913 81,583 SH   SOLE 0 0 0 81,583