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
ADOBE INC COM 00724F101   472,733 913 SH   SOLE 0 0 0 913
ALPHABET INC CAP STK CL A 02079K305   360,724 2,175 SH   SOLE 0 0 0 2,175
ALPHABET INC CAP STK CL C 02079K107   264,160 1,580 SH   SOLE 0 0 0 1,580
AMERICAN EXPRESS CO COM 025816109   633,794 2,337 SH   SOLE 0 0 0 2,337
AMPHENOL CORP NEW CL A 032095101   384,965 5,908 SH   SOLE 0 0 0 5,908
ANALOG DEVICES INC COM 032654105   1,255,808 5,456 SH   SOLE 0 0 0 5,456
APPLE INC COM 037833100   1,180,889 5,068 SH   SOLE 0 0 0 5,068
AUTOMATIC DATA PROCESSING IN COM 053015103   230,537 833 SH   SOLE 0 0 0 833
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,693,757 3,680 SH   SOLE 0 0 0 3,680
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   4,078,805 65,011 SH   SOLE 0 0 0 65,011
BLACKROCK ETF TRUST WORLD EX US CARB 09290C608   781,949 16,073 SH   SOLE 0 0 0 16,073
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   36,870,610 745,313 SH   SOLE 0 0 0 745,313
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   11,018,201 205,832 SH   SOLE 0 0 0 205,832
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   438,562 6,060 SH   SOLE 0 0 0 6,060
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300   1,875,275 67,359 SH   SOLE 0 0 0 67,359
CDW CORP COM 12514G108   284,912 1,259 SH   SOLE 0 0 0 1,259
CHEVRON CORP NEW COM 166764100   205,294 1,394 SH   SOLE 0 0 0 1,394
COSTCO WHSL CORP NEW COM 22160K105   417,799 471 SH   SOLE 0 0 0 471
DELL TECHNOLOGIES INC CL C 24703L202   326,104 2,751 SH   SOLE 0 0 0 2,751
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   359,116 5,774 SH   SOLE 0 0 0 5,774
EXXON MOBIL CORP COM 30231G102   407,556 3,477 SH   SOLE 0 0 0 3,477
GLOBAL X FDS US INFR DEV ETF 37954Y673   2,797,047 67,955 SH   SOLE 0 0 0 67,955
GLOBAL X FDS S&P 500 QLT ETF 37954Y616   450,494 12,383 SH   SOLE 0 0 0 12,383
GLOBAL X FDS DEFENSE TECH ETF 37960A529   3,283,165 88,186 SH   SOLE 0 0 0 88,186
HCA HEALTHCARE INC COM 40412C101   410,494 1,010 SH   SOLE 0 0 0 1,010
HOME DEPOT INC COM 437076102   713,265 1,760 SH   SOLE 0 0 0 1,760
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   3,054,097 15,206 SH   SOLE 0 0 0 15,206
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,423,578 13,527 SH   SOLE 0 0 0 13,527
INVESCO QQQ TR UNIT SER 1 46090E103   853,432 1,749 SH   SOLE 0 0 0 1,749
ISHARES INC MSCI EMRG CHN 46434G764   9,891,326 161,861 SH   SOLE 0 0 0 161,861
ISHARES INC MSCI EQUAL WEITE 464286681   1,141,700 11,925 SH   SOLE 0 0 0 11,925
ISHARES INC ESG AWR MSCI EM 46434G863   1,095,093 30,077 SH   SOLE 0 0 0 30,077
ISHARES INC CORE MSCI EMKT 46434G103   5,795,138 100,943 SH   SOLE 0 0 0 100,943
ISHARES TR ESG ADV TTL USD 46436E619   1,488,257 33,595 SH   SOLE 0 0 0 33,595
ISHARES TR US TREAS BD ETF 46429B267   3,958,759 168,817 SH   SOLE 0 0 0 168,817
ISHARES TR IBOXX HI YD ETF 464288513   1,543,286 19,219 SH   SOLE 0 0 0 19,219
ISHARES TR ESG AWR MSCI USA 46435G425   22,005,304 174,396 SH   SOLE 0 0 0 174,396
ISHARES TR CORE US AGGBD ET 464287226   222,389 2,196 SH   SOLE 0 0 0 2,196
ISHARES TR IBOXX INV CP ETF 464287242   2,988,660 26,453 SH   SOLE 0 0 0 26,453
ISHARES TR CONV BD ETF 46435G102   326,731 3,905 SH   SOLE 0 0 0 3,905
ISHARES TR RUS 1000 VAL ETF 464287598   1,144,114 6,028 SH   SOLE 0 0 0 6,028
ISHARES TR ESG EAFE ETF 46436E759   1,832,529 25,438 SH   SOLE 0 0 0 25,438
ISHARES TR CORE S&P TTL STK 464287150   314,301 2,502 SH   SOLE 0 0 0 2,502
ISHARES TR CORE TOTAL USD 46434V613   80,111,704 1,700,164 SH   SOLE 0 0 0 1,700,164
ISHARES TR MSCI USA QLT FCT 46432F339   53,640,961 299,169 SH   SOLE 0 0 0 299,169
ISHARES TR CORE MSCI TOTAL 46432F834   346,808 4,775 SH   SOLE 0 0 0 4,775
ISHARES TR CORE S&P SCP ETF 464287804   864,100 7,388 SH   SOLE 0 0 0 7,388
ISHARES TR MSCI KLD400 SOC 464288570   2,854,666 26,240 SH   SOLE 0 0 0 26,240
ISHARES TR U.S. TECH ETF 464287721   9,484,589 62,555 SH   SOLE 0 0 0 62,555
ISHARES TR JPMORGAN USD EMG 464288281   2,977,504 31,818 SH   SOLE 0 0 0 31,818
ISHARES TR ESG AWRE 1 5 YR 46435G243   585,674 23,278 SH   SOLE 0 0 0 23,278
ISHARES TR ESG AWR US AGRGT 46435U549   2,143,013 44,104 SH   SOLE 0 0 0 44,104
ISHARES TR NATIONAL MUN ETF 464288414   1,947,519 17,928 SH   SOLE 0 0 0 17,928
ISHARES TR HDG MSCI EAFE 46434V803   443,742 12,528 SH   SOLE 0 0 0 12,528
ISHARES TR ESG MSCI USA ETF 46436E767   2,919,922 59,493 SH   SOLE 0 0 0 59,493
ISHARES TR COHEN STEER REIT 464287564   231,344 3,510 SH   SOLE 0 0 0 3,510
ISHARES TR U.S. UTILITS ETF 464287697   1,347,786 13,211 SH   SOLE 0 0 0 13,211
ISHARES TR S&P 500 VAL ETF 464287408   14,771,976 74,920 SH   SOLE 0 0 0 74,920
ISHARES TR MBS ETF 464288588   18,069,051 188,593 SH   SOLE 0 0 0 188,593
ISHARES TR RUSSELL 2000 ETF 464287655   1,048,401 4,746 SH   SOLE 0 0 0 4,746
ISHARES TR CORE MSCI EAFE 46432F842   210,657 2,699 SH   SOLE 0 0 0 2,699
ISHARES TR ESG AWRE USD ETF 46435G193   3,123,326 131,287 SH   SOLE 0 0 0 131,287
ISHARES TR S&P 500 GRWT ETF 464287309   27,150,611 283,557 SH   SOLE 0 0 0 283,557
ISHARES TR RUS 1000 ETF 464287622   1,606,847 5,111 SH   SOLE 0 0 0 5,111
ISHARES TR MSCI ACWI ETF 464288257   3,661,817 30,630 SH   SOLE 0 0 0 30,630
ISHARES TR CORE S&P MCP ETF 464287507   745,526 11,963 SH   SOLE 0 0 0 11,963
ISHARES TR RUS 1000 GRW ETF 464287614   3,419,336 9,109 SH   SOLE 0 0 0 9,109
ISHARES TR CORE S&P500 ETF 464287200   92,026,554 159,541 SH   SOLE 0 0 0 159,541
ISHARES TR US INFRASTRUC 46435U713   3,077,803 65,527 SH   SOLE 0 0 0 65,527
ISHARES TR GLOBAL TECH ETF 464287291   2,476,808 30,011 SH   SOLE 0 0 0 30,011
ISHARES TR EAFE GRWTH ETF 464288885   21,241,396 197,319 SH   SOLE 0 0 0 197,319
ISHARES TR RUS MD CP GR ETF 464287481   598,531 5,103 SH   SOLE 0 0 0 5,103
ISHARES TR 20 YR TR BD ETF 464287432   8,826,392 89,973 SH   SOLE 0 0 0 89,973
ISHARES TR EAFE VALUE ETF 464288877   23,815,519 413,967 SH   SOLE 0 0 0 413,967
ISHARES TR INVESTMENT GRADE 46435G219   2,195,336 47,242 SH   SOLE 0 0 0 47,242
J P MORGAN EXCHANGE TRADED F USD EMRNG MKT 46641Q746   652,950 16,074 SH   SOLE 0 0 0 16,074
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   14,731,237 311,311 SH   SOLE 0 0 0 311,311
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   347,376 7,201 SH   SOLE 0 0 0 7,201
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   891,616 15,745 SH   SOLE 0 0 0 15,745
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   314,303 5,556 SH   SOLE 0 0 0 5,556
JOHNSON & JOHNSON COM 478160104   261,079 1,611 SH   SOLE 0 0 0 1,611
JPMORGAN CHASE & CO. COM 46625H100   413,286 1,960 SH   SOLE 0 0 0 1,960
KRANESHARES TRUST MSCI EMG EX CH 500767769   1,407,040 45,083 SH   SOLE 0 0 0 45,083
LINCOLN ELEC HLDGS INC COM 533900106   1,711,666 8,914 SH   SOLE 0 0 0 8,914
LOWES COS INC COM 548661107   249,995 923 SH   SOLE 0 0 0 923
MICROSOFT CORP COM 594918104   2,798,748 6,504 SH   SOLE 0 0 0 6,504
MOODYS CORP COM 615369105   255,329 538 SH   SOLE 0 0 0 538
NORTHROP GRUMMAN CORP COM 666807102   316,842 600 SH   SOLE 0 0 0 600
NOVO-NORDISK A S ADR 670100205   293,627 2,466 SH   SOLE 0 0 0 2,466
PACER FDS TR PACER US SMALL 69374H857   1,104,852 23,750 SH   SOLE 0 0 0 23,750
PACER FDS TR GLOBL CASH ETF 69374H709   1,987,002 54,453 SH   SOLE 0 0 0 54,453
PROCTER AND GAMBLE CO COM 742718109   275,042 1,588 SH   SOLE 0 0 0 1,588
QUANTA SVCS INC COM 74762E102   851,516 2,856 SH   SOLE 0 0 0 2,856
READY CAPITAL CORP COM 75574U101   123,743 16,218 SH   SOLE 0 0 0 16,218
RTX CORPORATION COM 75513E101   476,280 3,931 SH   SOLE 0 0 0 3,931
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   408,100 7,924 SH   SOLE 0 0 0 7,924
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,551,479 128,555 SH   SOLE 0 0 0 128,555
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   411,330 3,948 SH   SOLE 0 0 0 3,948
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   692,867 8,197 SH   SOLE 0 0 0 8,197
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   314,014 11,999 SH   SOLE 0 0 0 11,999
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,407,295 16,937 SH   SOLE 0 0 0 16,937
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,965,448 58,444 SH   SOLE 0 0 0 58,444
SELECT SECTOR SPDR TR INDL 81369Y704   331,828 2,450 SH   SOLE 0 0 0 2,450
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   350,858 2,278 SH   SOLE 0 0 0 2,278
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   300,956 1,502 SH   SOLE 0 0 0 1,502
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   355,399 7,842 SH   SOLE 0 0 0 7,842
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,688,467 16,338 SH   SOLE 0 0 0 16,338
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   243,273 2,931 SH   SOLE 0 0 0 2,931
SELECT SECTOR SPDR TR ENERGY 81369Y506   231,777 2,640 SH   SOLE 0 0 0 2,640
SPDR GOLD TR GOLD SHS 78463V107   2,172,227 8,937 SH   SOLE 0 0 0 8,937
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   6,936,732 168,041 SH   SOLE 0 0 0 168,041
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   711,200 23,364 SH   SOLE 0 0 0 23,364
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   895,430 23,840 SH   SOLE 0 0 0 23,840
SPDR S&P 500 ETF TR TR UNIT 78462F103   19,037,365 33,180 SH   SOLE 0 0 0 33,180
SPDR SER TR PORT MTG BK ETF 78464A383   3,608,788 160,177 SH   SOLE 0 0 0 160,177
SPDR SER TR PORTFOLIO LN TSR 78464A664   2,046,470 70,398 SH   SOLE 0 0 0 70,398
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,238,838 61,272 SH   SOLE 0 0 0 61,272
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   1,690,662 89,217 SH   SOLE 0 0 0 89,217
SPDR SER TR MSCI USA STRTGIC 78468R812   6,146,971 39,016 SH   SOLE 0 0 0 39,016
SPDR SER TR PORTFOLIO AGRGTE 78464A649   8,350,867 319,467 SH   SOLE 0 0 0 319,467
SPDR SER TR BLOOMBERG EMG MK 78468R515   1,381,672 55,023 SH   SOLE 0 0 0 55,023
SPDR SER TR PORTFOLIO S&P400 78464A847   3,066,126 56,074 SH   SOLE 0 0 0 56,074
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   755,780 8,232 SH   SOLE 0 0 0 8,232
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,033,372 48,630 SH   SOLE 0 0 0 48,630
SPDR SER TR PORTFOLIO S&P600 78468R853   4,539,304 99,743 SH   SOLE 0 0 0 99,743
SPDR SER TR BLOOMBERG EMERGI 78464A391   2,298,372 108,057 SH   SOLE 0 0 0 108,057
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   13,851,985 334,589 SH   SOLE 0 0 0 334,589
SSGA ACTIVE TR SPDR DBLELN SHRT 78470P200   200,039 4,214 SH   SOLE 0 0 0 4,214
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408   7,400,898 142,778 SH   SOLE 0 0 0 142,778
SSGA ACTIVE TR SPDR BLACKSTONE 78470P846   1,539,507 53,632 SH   SOLE 0 0 0 53,632
STRYKER CORPORATION COM 863667101   220,369 610 SH   SOLE 0 0 0 610
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   5,289,876 159,094 SH   SOLE 0 0 0 159,094
THERMO FISHER SCIENTIFIC INC COM 883556102   354,441 573 SH   SOLE 0 0 0 573
UNITEDHEALTH GROUP INC COM 91324P102   493,216 844 SH   SOLE 0 0 0 844
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   13,087,589 24,803 SH   SOLE 0 0 0 24,803
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,473,281 5,203 SH   SOLE 0 0 0 5,203
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,454,422 28,859 SH   SOLE 0 0 0 28,859
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,060,819 63,967 SH   SOLE 0 0 0 63,967
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   276,724 4,580 SH   SOLE 0 0 0 4,580
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   1,697,027 27,576 SH   SOLE 0 0 0 27,576
VANGUARD WORLD FD MEGA GRWTH IND 921910816   5,665,354 17,597 SH   SOLE 0 0 0 17,597
VERISK ANALYTICS INC COM 92345Y106   246,523 920 SH   SOLE 0 0 0 920
WISDOMTREE TR INTL QULTY DIV 97717X131   2,882,654 73,631 SH   SOLE 0 0 0 73,631