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
ALBEMARLE CORP COM 012653101   553,177 4,199 SH   SOLE   0 0 4,199
ALPHABET INC CAP STK CL C 02079K107   612,086 4,020 SH   SOLE   0 0 4,020
APPLE INC COM 037833100   1,919,109 11,191 SH   SOLE   0 0 11,191
BOEING CO COM 097023105   278,292 1,442 SH   SOLE   0 0 1,442
CHEVRON CORP NEW COM 166764100   338,668 2,147 SH   SOLE   0 0 2,147
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   11,837,771 289,432 SH   SOLE   0 0 289,432
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   355,667 9,678 SH   SOLE   0 0 9,678
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   4,659,217 85,600 SH   SOLE   0 0 85,600
ESSENTIAL UTILS INC COM 29670G102   263,167 7,103 SH   SOLE   0 0 7,103
EXXON MOBIL CORP COM 30231G102   808,566 6,956 SH   SOLE   0 0 6,956
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843   11,427,813 470,280 SH   SOLE   0 0 470,280
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   1,144,826 22,947 SH   SOLE   0 0 22,947
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   35,208,433 752,156 SH   SOLE   0 0 752,156
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   7,884,106 158,794 SH   SOLE   0 0 158,794
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   414,863 11,298 SH   SOLE   0 0 11,298
ISHARES INC ESG AWR MSCI EM 46434G863   620,304 19,246 SH   SOLE   0 0 19,246
ISHARES TR ESG AWR MSCI USA 46435G425   1,384,703 12,045 SH   SOLE   0 0 12,045
ISHARES TR MODERT ALLOC ETF 464289875   503,860 11,778 SH   SOLE   0 0 11,778
ISHARES TR MSCI EAFE ETF 464287465   471,699 5,907 SH   SOLE   0 0 5,907
ISHARES TR RUS MD CP GR ETF 464287481   33,754,020 295,725 SH   SOLE   0 0 295,725
ISHARES TR EAFE GRWTH ETF 464288885   21,411,126 206,293 SH   SOLE   0 0 206,293
ISHARES TR AGGRES ALLOC ETF 464289859   1,777,074 24,191 SH   SOLE   0 0 24,191
ISHARES TR RUSSELL 2000 ETF 464287655   15,021,185 71,427 SH   SOLE   0 0 71,427
ISHARES TR ESG AWARE MSCI 46435U663   259,178 6,436 SH   SOLE   0 0 6,436
ISHARES TR CORE S&P SCP ETF 464287804   28,324,149 256,281 SH   SOLE   0 0 256,281
ISHARES TR EAFE VALUE ETF 464288877   9,019,577 165,801 SH   SOLE   0 0 165,801
ISHARES TR ESG AW MSCI EAFE 46435G516   2,064,302 25,833 SH   SOLE   0 0 25,833
ISHARES TR CRE U S REIT ETF 464288521   1,413,004 26,264 SH   SOLE   0 0 26,264
ISHARES TR GRWT ALLOCAT ETF 464289867   1,623,633 29,165 SH   SOLE   0 0 29,165
ISHARES TR RUS MDCP VAL ETF 464287473   17,793,686 141,975 SH   SOLE   0 0 141,975
ISHARES TR CORE S&P500 ETF 464287200   77,587,966 147,581 SH   SOLE   0 0 147,581
ISHARES TR S&P SML 600 GWT 464287887   13,134,885 100,473 SH   SOLE   0 0 100,473
ISHARES TR RUS 2000 GRW ETF 464287648   12,511,004 46,200 SH   SOLE   0 0 46,200
ISHARES TR NATIONAL MUN ETF 464288414   19,617,193 182,316 SH   SOLE   0 0 182,316
ISHARES TR RUS 2000 VAL ETF 464287630   9,718,407 61,195 SH   SOLE   0 0 61,195
ISHARES TR CORE MSCI EAFE 46432F842   424,117 5,714 SH   SOLE   0 0 5,714
ISHARES TR S&P 500 GRWT ETF 464287309   4,144,531 49,083 SH   SOLE   0 0 49,083
ISHARES TR TIPS BD ETF 464287176   12,220,188 113,771 SH   SOLE   0 0 113,771
ISHARES TR SP SMCP600VL ETF 464287879   8,634,774 84,029 SH   SOLE   0 0 84,029
ISHARES TR CORE S&P MCP ETF 464287507   3,303,576 54,389 SH   SOLE   0 0 54,389
ISHARES TR RUS 1000 VAL ETF 464287598   14,161,184 79,064 SH   SOLE   0 0 79,064
ISHARES TR RUS 1000 ETF 464287622   30,346,715 105,359 SH   SOLE   0 0 105,359
ISHARES TR ESG AWR US AGRGT 46435U549   2,753,596 58,512 SH   SOLE   0 0 58,512
ISHARES TR MSCI EMG MKT ETF 464287234   5,444,940 132,545 SH   SOLE   0 0 132,545
ISHARES TR EAFE SML CP ETF 464288273   9,324,454 147,236 SH   SOLE   0 0 147,236
ISHARES TR S&P 500 VAL ETF 464287408   15,388,661 82,376 SH   SOLE   0 0 82,376
ISHARES TR RUS 1000 GRW ETF 464287614   46,049,075 136,624 SH   SOLE   0 0 136,624
JOHNSON & JOHNSON COM 478160104   356,403 2,253 SH   SOLE   0 0 2,253
MCDONALDS CORP COM 580135101   285,662 1,013 SH   SOLE   0 0 1,013
MERCK & CO INC COM 58933Y105   407,330 3,087 SH   SOLE   0 0 3,087
MICROSOFT CORP COM 594918104   557,875 1,326 SH   SOLE   0 0 1,326
NEXTERA ENERGY INC COM 65339F101   727,988 11,391 SH   SOLE   0 0 11,391
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508   415,202 12,140 SH   SOLE   0 0 12,140
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409   399,681 8,986 SH   SOLE   0 0 8,986
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   633,879 15,241 SH   SOLE   0 0 15,241
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   512,081 6,713 SH   SOLE   0 0 6,713
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   456,451 11,746 SH   SOLE   0 0 11,746
ONTO INNOVATION INC COM 683344105   362,160 2,000 SH   SOLE   0 0 2,000
PFIZER INC COM 717081103   1,442,473 51,981 SH   SOLE   0 0 51,981
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   476,142 7,130 SH   SOLE   0 0 7,130
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,290,861 67,848 SH   SOLE   0 0 67,848
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,099,681 50,773 SH   SOLE   0 0 50,773
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   8,484,275 136,711 SH   SOLE   0 0 136,711
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   341,514 1,640 SH   SOLE   0 0 1,640
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   6,010,965 152,061 SH   SOLE   0 0 152,061
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   706,638 4,783 SH   SOLE   0 0 4,783
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   4,327,603 133,239 SH   SOLE   0 0 133,239
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,198,830 33,126 SH   SOLE   0 0 33,126
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,100,612 4,016 SH   SOLE   0 0 4,016
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   868,024 1,560 SH   SOLE   0 0 1,560
SPDR SER TR S&P 400 MDCP VAL 78464A839   5,046,628 66,403 SH   SOLE   0 0 66,403
SPDR SER TR DJ REIT ETF 78464A607   2,369,414 25,140 SH   SOLE   0 0 25,140
SPDR SER TR S&P 400 MDCP GRW 78464A821   452,250 5,181 SH   SOLE   0 0 5,181
STRYKER CORPORATION COM 863667101   390,795 1,092 SH   SOLE   0 0 1,092
TREX CO INC COM 89531P105   2,051,658 20,568 SH   SOLE   0 0 20,568
UNION PAC CORP COM 907818108   403,961 1,643 SH   SOLE   0 0 1,643
UNITEDHEALTH GROUP INC COM 91324P102   345,796 699 SH   SOLE   0 0 699
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   49,268,418 678,348 SH   SOLE   0 0 678,348
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,245,127 4,791 SH   SOLE   0 0 4,791
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,625,985 34,532 SH   SOLE   0 0 34,532
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   8,316,909 53,344 SH   SOLE   0 0 53,344
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,057,061 4,409 SH   SOLE   0 0 4,409
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,580,139 15,662 SH   SOLE   0 0 15,662
VANGUARD INDEX FDS GROWTH ETF 922908736   1,253,921 3,643 SH   SOLE   0 0 3,643
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   5,624,559 23,854 SH   SOLE   0 0 23,854
VANGUARD INDEX FDS VALUE ETF 922908744   1,764,273 10,833 SH   SOLE   0 0 10,833
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   60,044,955 694,322 SH   SOLE   0 0 694,322
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,781,622 10,669 SH   SOLE   0 0 10,669
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   8,258,964 70,686 SH   SOLE   0 0 70,686
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,922,893 261,501 SH   SOLE   0 0 261,501
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   688,224 11,734 SH   SOLE   0 0 11,734
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   9,369,485 185,168 SH   SOLE   0 0 185,168
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   667,440 3,655 SH   SOLE   0 0 3,655
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,057,922 41,019 SH   SOLE   0 0 41,019
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   11,257,400 163,625 SH   SOLE   0 0 163,625
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   9,371,362 114,944 SH   SOLE   0 0 114,944