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
ABBOTT LABS COM 002824100   552,588 5,020 SH   SOLE   0 0 25
ABBVIE INC COM 00287Y109   2,299,649 14,839 SH   SOLE   0 0 25
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   742,299 2,115 SH   SOLE   0 0 25
ALPHABET INC CAP STK CL A 02079K305   836,029 5,985 SH   SOLE   0 0 25
ALPHABET INC CAP STK CL C 02079K107   244,348 1,734 SH   SOLE   0 0 25
ALTRIA GROUP INC COM 02209S103   297,024 7,363 SH   SOLE   0 0 25
AMAZON COM INC COM 023135106   478,918 3,152 SH   SOLE   0 0 25
AMDOCS LTD SHS G02602103   621,031 7,066 SH   SOLE   0 0 25
AMGEN INC COM 031162100   1,516,468 5,265 SH   SOLE   0 0 25
APPLE INC COM 037833100   4,264,147 22,148 SH   SOLE   0 0 25
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   539,984 1,514 SH   SOLE   0 0 25
BLOCK H & R INC COM 093671105   2,178,102 45,030 SH   SOLE   0 0 25
BP PLC SPONSORED ADR 055622104   200,187 5,655 SH   SOLE   0 0 25
BRISTOL-MYERS SQUIBB CO COM 110122108   424,232 8,268 SH   SOLE   0 0 25
BROADCOM INC COM 11135F101   3,570,853 3,199 SH   SOLE   0 0 25
CISCO SYS INC COM 17275R102   493,501 9,768 SH   SOLE   0 0 25
COLGATE PALMOLIVE CO COM 194162103   347,798 4,363 SH   SOLE   0 0 25
ELI LILLY & CO COM 532457108   1,622,081 2,783 SH   SOLE   0 0 25
EMPLOYERS HLDGS INC COM 292218104   255,943 6,496 SH   SOLE   0 0 25
GARTNER INC COM 366651107   469,651 1,041 SH   SOLE   0 0 25
GENERAL MLS INC COM 370334104   493,892 7,582 SH   SOLE   0 0 25
GILEAD SCIENCES INC COM 375558103   285,642 3,526 SH   SOLE   0 0 25
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889   488,086 8,417 SH   SOLE   0 0 25
HOME DEPOT INC COM 437076102   1,260,370 3,637 SH   SOLE   0 0 25
HONEYWELL INTL INC COM 438516106   283,528 1,352 SH   SOLE   0 0 25
HP INC COM 40434L105   780,025 25,923 SH   SOLE   0 0 25
INFOSYS LTD SPONSORED ADR 456788108   546,938 29,757 SH   SOLE   0 0 25
INTEL CORP COM 458140100   800,646 15,933 SH   SOLE   0 0 25
INTERDIGITAL INC COM 45867G101   217,080 2,000 SH   SOLE   0 0 25
INTERNATIONAL BUSINESS MACHS COM 459200101   421,796 2,579 SH   SOLE   0 0 25
ISHARES INC CORE MSCI EMKT 46434G103   447,146 8,840 SH   SOLE   0 0 25
ISHARES SILVER TR ISHARES 46428Q109   234,353 10,760 SH   SOLE   0 0 25
ISHARES TR CORE S&P MCP ETF 464287507   23,643,305 85,309 SH   SOLE   0 0 25
ISHARES TR CORE S&P500 ETF 464287200   18,361,028 38,442 SH   SOLE   0 0 25
ISHARES TR CORE S&P SCP ETF 464287804   12,883,850 119,019 SH   SOLE   0 0 25
ISHARES TR SHRT NAT MUN ETF 464288158   1,303,353 12,362 SH   SOLE   0 0 25
ISHARES TR CORE S&P MCP ETF 464287507   712,953 2,572 SH   DFND 1 0 0 25
ISHARES TR CORE S&P TTL STK 464287150   655,334 6,228 SH   SOLE   0 0 25
ISHARES TR CORE MSCI EAFE 46432F842   594,513 8,451 SH   SOLE   0 0 25
ISHARES TR CORE MSCI INTL 46435G326   551,996 8,671 SH   SOLE   0 0 25
ISHARES TR CORE DIV GRWTH 46434V621   534,433 9,930 SH   SOLE   0 0 25
ISHARES TR CORE S&P SCP ETF 464287804   368,564 3,405 SH   DFND 1 0 0 25
ISHARES TR ESG SCRND S&P500 46436E569   312,846 8,598 SH   SOLE   0 0 25
ISHARES TR CORE HIGH DV ETF 46429B663   309,948 3,039 SH   SOLE   0 0 25
ISHARES TR INTL DIV GRWTH 46435G524   276,231 4,278 SH   SOLE   0 0 25
ISHARES TR U.S. TECH ETF 464287721   212,603 1,732 SH   SOLE   0 0 25
JOHNSON & JOHNSON COM 478160104   850,181 5,424 SH   SOLE   0 0 25
KIMBERLY-CLARK CORP COM 494368103   445,821 3,669 SH   SOLE   0 0 25
MARRIOTT INTL INC NEW CL A 571903202   432,754 1,919 SH   SOLE   0 0 25
MCDONALDS CORP COM 580135101   904,654 3,051 SH   SOLE   0 0 25
MERCK & CO INC COM 58933Y105   624,903 5,732 SH   SOLE   0 0 25
MICROSOFT CORP COM 594918104   2,739,692 7,286 SH   SOLE   0 0 25
MOODYS CORP COM 615369105   203,697 522 SH   SOLE   0 0 25
NIKE INC CL B 654106103   4,502,452 41,470 SH   SOLE   0 0 25
NOVO-NORDISK A S ADR 670100205   2,430,662 23,496 SH   SOLE   0 0 25
PAYCHEX INC COM 704326107   734,659 6,168 SH   SOLE   0 0 25
PHILIP MORRIS INTL INC COM 718172109   591,011 6,282 SH   SOLE   0 0 25
PROCTER AND GAMBLE CO COM 742718109   353,867 2,415 SH   SOLE   0 0 25
QUALCOMM INC COM 747525103   733,058 5,069 SH   SOLE   0 0 25
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,392,270 24,686 SH   SOLE   0 0 25
SCHWAB STRATEGIC TR US REIT ETF 808524847   417,846 20,176 SH   SOLE   0 0 25
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   221,109 2,936 SH   SOLE   0 0 25
SPDR GOLD TR GOLD SHS 78463V107   271,080 1,418 SH   SOLE   0 0 25
SPDR SER TR SPDR S&P 500 ETF 78468R796   337,647 8,700 SH   SOLE   0 0 25
STARBUCKS CORP COM 855244109   391,719 4,080 SH   SOLE   0 0 25
TESLA INC COM 88160R101   275,261 1,108 SH   SOLE   0 0 25
TEXAS INSTRS INC COM 882508104   848,090 4,975 SH   SOLE   0 0 25
THERMO FISHER SCIENTIFIC INC COM 883556102   373,574 704 SH   SOLE   0 0 25
UNILEVER PLC SPON ADR NEW 904767704   256,314 5,287 SH   SOLE   0 0 25
UNITED PARCEL SERVICE INC CL B 911312106   520,432 3,310 SH   SOLE   0 0 25
US BANCORP DEL COM NEW 902973304   308,828 7,136 SH   SOLE   0 0 25
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   22,762,460 295,540 SH   SOLE   0 0 25
VANGUARD BD INDEX FDS INTERMED TERM 921937819   12,562,270 164,471 SH   SOLE   0 0 25
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,844,967 52,277 SH   SOLE   0 0 25
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,458,808 18,941 SH   DFND 1 0 0 25
VANGUARD BD INDEX FDS INTERMED TERM 921937819   870,708 11,400 SH   DFND 1 0 0 25
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   856,896 11,490 SH   SOLE   0 0 25
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   18,954,940 383,975 SH   SOLE   0 0 25
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,291,061 26,151 SH   DFND 1 0 0 25
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   109,156,625 249,901 SH   SOLE   0 0 25
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,996,722 21,064 SH   SOLE   0 0 25
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,253,213 9,737 SH   DFND 1 0 0 25
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,117,394 46,598 SH   SOLE   0 0 25
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,852,789 13,077 SH   SOLE   0 0 25
VANGUARD INDEX FDS SMALL CP ETF 922908751   299,089 1,402 SH   SOLE   0 0 25
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   11,456,350 278,743 SH   SOLE   0 0 25
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   359,470 8,746 SH   DFND 1 0 0 25
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   896,799 17,567 SH   SOLE   0 0 25
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   11,464,298 196,542 SH   SOLE   0 0 25
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   2,130,718 35,919 SH   SOLE   0 0 25
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   714,183 12,244 SH   DFND 1 0 0 25
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   25,556,947 149,982 SH   SOLE   0 0 25
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   962,866 5,651 SH   DFND 1 0 0 25
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,544,631 26,650 SH   SOLE   0 0 25
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   45,054,604 940,597 SH   SOLE   0 0 25
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,434,049 29,938 SH   DFND 1 0 0 25
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   25,474,121 228,201 SH   SOLE   0 0 25
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   9,988,847 150,231 SH   SOLE   0 0 25
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   9,691,076 122,146 SH   SOLE   0 0 25
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   945,650 8,471 SH   DFND 1 0 0 25
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   351,022 4,424 SH   DFND 1 0 0 25
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   344,714 5,184 SH   DFND 1 0 0 25
VANGUARD WORLD FD ESG US STK ETF 921910733   9,562,271 112,418 SH   SOLE   0 0 25
VANGUARD WORLD FD ESG INTL STK ETF 921910725   2,938,456 53,156 SH   SOLE   0 0 25
VANGUARD WORLD FD ESG US CORP BD 921910691   2,692,996 42,490 SH   SOLE   0 0 25
VANGUARD WORLD FD ESG US STK ETF 921910733   788,074 9,265 SH   DFND 1 0 0 25
VANGUARD WORLD FD ESG INTL STK ETF 921910725   261,116 4,724 SH   DFND 1 0 0 25
VERIZON COMMUNICATIONS INC COM 92343V104   201,997 5,358 SH   SOLE   0 0 25