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   575,719 965 SH   SOLE 0 0 0 965
ALPHABET INC CAP STK CL A 02079K305   294,606 2,109 SH   SOLE 0 0 0 2,109
ALPHABET INC CAP STK CL C 02079K107   222,669 1,580 SH   SOLE 0 0 0 1,580
AMPHENOL CORP NEW CL A 032095101   292,830 2,954 SH   SOLE 0 0 0 2,954
ANALOG DEVICES INC COM 032654105   1,125,438 5,668 SH   SOLE 0 0 0 5,668
APPLE INC COM 037833100   1,018,354 5,289 SH   SOLE 0 0 0 5,289
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,306,089 3,662 SH   SOLE 0 0 0 3,662
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   4,226,874 80,758 SH   SOLE 0 0 0 80,758
BLACKROCK ETF TRUST WORLD EX US CARB 09290C608   708,075 16,192 SH   SOLE 0 0 0 16,192
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   490,288 7,256 SH   SOLE 0 0 0 7,256
CDW CORP COM 12514G108   286,196 1,259 SH   SOLE 0 0 0 1,259
CHEVRON CORP NEW COM 166764100   228,215 1,530 SH   SOLE 0 0 0 1,530
COSTCO WHSL CORP NEW COM 22160K105   308,984 468 SH   SOLE 0 0 0 468
DELL TECHNOLOGIES INC CL C 24703L202   210,452 2,751 SH   SOLE 0 0 0 2,751
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   332,906 6,423 SH   SOLE 0 0 0 6,423
EXXON MOBIL CORP COM 30231G102   428,811 4,289 SH   SOLE 0 0 0 4,289
GLOBAL X FDS US INFR DEV ETF 37954Y673   9,057,874 262,852 SH   SOLE 0 0 0 262,852
GLOBAL X FDS S&P 500 QLT ETF 37954Y616   557,531 17,273 SH   SOLE 0 0 0 17,273
HOME DEPOT INC COM 437076102   715,720 2,065 SH   SOLE 0 0 0 2,065
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   7,108,684 42,178 SH   SOLE 0 0 0 42,178
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,224,963 14,100 SH   SOLE 0 0 0 14,100
INVESCO QQQ TR UNIT SER 1 46090E103   694,520 1,696 SH   SOLE 0 0 0 1,696
ISHARES INC CORE MSCI EMKT 46434G103   8,064,141 159,433 SH   SOLE 0 0 0 159,433
ISHARES INC ESG AWR MSCI EM 46434G863   651,780 20,330 SH   SOLE 0 0 0 20,330
ISHARES INC MSCI EQUAL WEITE 464286681   1,312,620 15,545 SH   SOLE 0 0 0 15,545
ISHARES INC MSCI EMRG CHN 46434G764   2,173,902 39,233 SH   SOLE 0 0 0 39,233
ISHARES TR ESG AWRE USD ETF 46435G193   2,761,009 118,651 SH   SOLE 0 0 0 118,651
ISHARES TR MBS ETF 464288588   14,793,162 157,240 SH   SOLE 0 0 0 157,240
ISHARES TR S&P 500 GRWT ETF 464287309   5,444,048 72,491 SH   SOLE 0 0 0 72,491
ISHARES TR MSCI ACWI ETF 464288257   326,885 3,212 SH   SOLE 0 0 0 3,212
ISHARES TR RUS 1000 ETF 464287622   1,516,387 5,782 SH   SOLE 0 0 0 5,782
ISHARES TR CORE S&P MCP ETF 464287507   819,962 2,959 SH   SOLE 0 0 0 2,959
ISHARES TR RUS 1000 GRW ETF 464287614   3,029,578 9,993 SH   SOLE 0 0 0 9,993
ISHARES TR RUSSELL 2000 ETF 464287655   1,266,480 6,310 SH   SOLE 0 0 0 6,310
ISHARES TR 20 YR TR BD ETF 464287432   11,801,620 119,353 SH   SOLE 0 0 0 119,353
ISHARES TR EAFE VALUE ETF 464288877   21,894,609 420,242 SH   SOLE 0 0 0 420,242
ISHARES TR RUS MD CP GR ETF 464287481   568,471 5,442 SH   SOLE 0 0 0 5,442
ISHARES TR GLOBAL TECH ETF 464287291   1,742,885 25,563 SH   SOLE 0 0 0 25,563
ISHARES TR US INFRASTRUC 46435U713   2,403,222 59,678 SH   SOLE 0 0 0 59,678
ISHARES TR CORE S&P500 ETF 464287200   139,785,883 292,666 SH   SOLE 0 0 0 292,666
ISHARES TR EAFE GRWTH ETF 464288885   13,133,829 135,610 SH   SOLE 0 0 0 135,610
ISHARES TR MSCI KLD400 SOC 464288570   2,917,515 32,043 SH   SOLE 0 0 0 32,043
ISHARES TR CORE TOTAL USD 46434V613   50,049,682 1,086,383 SH   SOLE 0 0 0 1,086,383
ISHARES TR US TREAS BD ETF 46429B267   4,245,919 184,285 SH   SOLE 0 0 0 184,285
ISHARES TR CORE MSCI TOTAL 46432F834   422,564 6,508 SH   SOLE 0 0 0 6,508
ISHARES TR COHEN STEER REIT 464287564   475,478 8,096 SH   SOLE 0 0 0 8,096
ISHARES TR U.S. TECH ETF 464287721   8,706,175 70,926 SH   SOLE 0 0 0 70,926
ISHARES TR MSCI USA VALUE 46432F388   210,495 2,081 SH   SOLE 0 0 0 2,081
ISHARES TR JPMORGAN USD EMG 464288281   2,057,984 23,108 SH   SOLE 0 0 0 23,108
ISHARES TR ESG MSCI USA ETF 46436E767   2,534,503 63,649 SH   SOLE 0 0 0 63,649
ISHARES TR NATIONAL MUN ETF 464288414   3,253,818 30,014 SH   SOLE 0 0 0 30,014
ISHARES TR TIPS BD ETF 464287176   912,402 8,488 SH   SOLE 0 0 0 8,488
ISHARES TR 7-10 YR TRSY BD 464287440   223,705 2,321 SH   SOLE 0 0 0 2,321
ISHARES TR MSCI USA MIN VOL 46429B697   1,285,896 16,480 SH   SOLE 0 0 0 16,480
ISHARES TR MSCI USA QLT FCT 46432F339   42,978,719 292,094 SH   SOLE 0 0 0 292,094
ISHARES TR U.S. MED DVC ETF 464288810   791,254 14,661 SH   SOLE 0 0 0 14,661
ISHARES TR IBOXX INV CP ETF 464287242   8,676,479 78,407 SH   SOLE 0 0 0 78,407
ISHARES TR GLOBAL ENERG ETF 464287341   2,263,370 57,872 SH   SOLE 0 0 0 57,872
ISHARES TR ESG AWR US AGRGT 46435U549   2,579,965 54,042 SH   SOLE 0 0 0 54,042
ISHARES TR ESG ADV TTL USD 46436E619   1,333,230 30,819 SH   SOLE 0 0 0 30,819
ISHARES TR ESG AWR MSCI USA 46435G425   23,556,647 224,520 SH   SOLE 0 0 0 224,520
ISHARES TR CORE US AGGBD ET 464287226   302,986 3,053 SH   SOLE 0 0 0 3,053
ISHARES TR S&P 100 ETF 464287101   6,378,491 28,553 SH   SOLE 0 0 0 28,553
ISHARES TR RUS 1000 VAL ETF 464287598   833,521 5,044 SH   SOLE 0 0 0 5,044
ISHARES TR ESG EAFE ETF 46436E759   1,358,600 21,268 SH   SOLE 0 0 0 21,268
ISHARES TR TRS FLT RT BD 46434V860   12,005,443 237,873 SH   SOLE 0 0 0 237,873
ISHARES U S ETF TR INT RT HDG C B 46431W705   1,454,800 15,629 SH   SOLE 0 0 0 15,629
ISHARES U S ETF TR IT RT HDG HGYL 46431W606   1,429,186 17,004 SH   SOLE 0 0 0 17,004
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   950,266 18,173 SH   SOLE 0 0 0 18,173
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   2,892,419 60,435 SH   SOLE 0 0 0 60,435
J P MORGAN EXCHANGE TRADED F USD EMRNG MKT 46641Q746   226,073 5,670 SH   SOLE 0 0 0 5,670
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   7,059,857 151,727 SH   SOLE 0 0 0 151,727
JOHNSON & JOHNSON COM 478160104   294,514 1,879 SH   SOLE 0 0 0 1,879
LOWES COS INC COM 548661107   230,339 1,035 SH   SOLE 0 0 0 1,035
MICROSOFT CORP COM 594918104   2,480,787 6,597 SH   SOLE 0 0 0 6,597
MOODYS CORP COM 615369105   260,113 666 SH   SOLE 0 0 0 666
PACER FDS TR PACER US SMALL 69374H857   8,717,203 181,495 SH   SOLE 0 0 0 181,495
PACER FDS TR GLOBL CASH ETF 69374H709   23,038,117 672,253 SH   SOLE 0 0 0 672,253
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   286,314 3,076 SH   SOLE 0 0 0 3,076
PROCTER AND GAMBLE CO COM 742718109   269,634 1,840 SH   SOLE 0 0 0 1,840
QUANTA SVCS INC COM 74762E102   669,196 3,101 SH   SOLE 0 0 0 3,101
READY CAPITAL CORP COM 75574U101   166,235 16,218 SH   SOLE 0 0 0 16,218
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,551,524 135,648 SH   SOLE 0 0 0 135,648
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,033,422 21,876 SH   SOLE 0 0 0 21,876
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   329,129 8,905 SH   SOLE 0 0 0 8,905
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   327,526 3,948 SH   SOLE 0 0 0 3,948
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,214,786 15,957 SH   SOLE 0 0 0 15,957
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   752,380 30,597 SH   SOLE 0 0 0 30,597
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,559,350 20,703 SH   SOLE 0 0 0 20,703
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,170,529 73,946 SH   SOLE 0 0 0 73,946
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,321,309 12,060 SH   SOLE 0 0 0 12,060
SELECT SECTOR SPDR TR ENERGY 81369Y506   216,419 2,581 SH   SOLE 0 0 0 2,581
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   5,456,645 201,799 SH   SOLE 0 0 0 201,799
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,945,622 4,093 SH   SOLE 0 0 0 4,093
SPDR SER TR PORT MTG BK ETF 78464A383   2,292,565 103,877 SH   SOLE 0 0 0 103,877
SPDR SER TR NUVEEN BLMBRG SH 78468R739   523,014 10,944 SH   SOLE 0 0 0 10,944
SPDR SER TR PRTFLO S&P500 GW 78464A409   626,463 9,629 SH   SOLE 0 0 0 9,629
SPDR SER TR PORTFOLIO S&P600 78468R853   232,623 5,515 SH   SOLE 0 0 0 5,515
SPDR SER TR PORTFOLIO SHORT 78464A474   342,232 11,492 SH   SOLE 0 0 0 11,492
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,523,355 32,669 SH   SOLE 0 0 0 32,669
STRYKER CORPORATION COM 863667101   212,617 710 SH   SOLE 0 0 0 710
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   4,400,520 159,266 SH   SOLE 0 0 0 159,266
THERMO FISHER SCIENTIFIC INC COM 883556102   298,835 563 SH   SOLE 0 0 0 563
UNITEDHEALTH GROUP INC COM 91324P102   297,186 564 SH   SOLE 0 0 0 564
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   16,608,271 38,023 SH   SOLE 0 0 0 38,023
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,376,946 18,451 SH   SOLE 0 0 0 18,451
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   1,017,134 13,126 SH   SOLE 0 0 0 13,126
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   1,388,055 22,559 SH   SOLE 0 0 0 22,559
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   260,355 4,389 SH   SOLE 0 0 0 4,389
VANGUARD WORLD FD MEGA GRWTH IND 921910816   4,735,279 18,247 SH   SOLE 0 0 0 18,247
VANGUARD WORLD FDS ENERGY ETF 92204A306   209,697 1,788 SH   SOLE 0 0 0 1,788
VERISK ANALYTICS INC COM 92345Y106   219,751 920 SH   SOLE 0 0 0 920
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,868,978 37,201 SH   SOLE 0 0 0 37,201
WISDOMTREE TR INTL QULTY DIV 97717X131   1,598,310 44,067 SH   SOLE 0 0 0 44,067
ZOETIS INC CL A 98978V103   257,963 1,307 SH   SOLE 0 0 0 1,307