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
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   294,364 700 SH   SOLE   700 0 0
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   11,451,198 257,910 SH   SOLE   257,909 0 0
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   3,251,209 61,975 SH   SOLE   61,975 0 0
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   4,758,947 153,021 SH   SOLE   153,020 0 0
ISHARES INC MSCI EMRG CHN 46434G764   1,208,509 20,992 SH   SOLE   20,992 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   1,166,988 11,111 SH   SOLE   11,111 0 0
ISHARES TR 20 YR TR BD ETF 464287432   4,389,803 46,394 SH   SOLE   46,394 0 0
ISHARES TR CORE S&P500 ETF 464287200   48,348,531 91,965 SH   SOLE   91,964 0 0
ISHARES TR CORE TOTAL USD 46434V613   28,371,554 622,320 SH   SOLE   622,319 0 0
ISHARES TR EAFE GRWTH ETF 464288885   8,459,440 81,505 SH   SOLE   81,505 0 0
ISHARES TR EAFE VALUE ETF 464288877   7,754,809 142,552 SH   SOLE   142,551 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   4,178,068 36,344 SH   SOLE   36,343 0 0
ISHARES TR EUROPE ETF 464287861   454,768 8,169 SH   SOLE   8,169 0 0
ISHARES TR GLOBAL ENERG ETF 464287341   3,271,627 76,173 SH   SOLE   76,172 0 0
ISHARES TR HDG MSCI EAFE 46434V803   3,771,644 108,132 SH   SOLE   108,132 0 0
ISHARES TR IBOXX INV CP ETF 464287242   271,973 2,497 SH   SOLE   2,497 0 0
ISHARES TR JPMORGAN USD EMG 464288281   1,545,462 17,235 SH   SOLE   17,235 0 0
ISHARES TR MBS ETF 464288588   381,602 4,129 SH   SOLE   4,129 0 0
ISHARES TR MSCI ACWI ETF 464288257   436,776 3,966 SH   SOLE   3,966 0 0
ISHARES TR MSCI INTL VLU FT 46435G409   2,301,761 81,536 SH   SOLE   81,536 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   833,460 9,972 SH   SOLE   9,972 0 0
ISHARES TR MSCI USA MMENTM 46432F396   273,344 1,459 SH   SOLE   1,459 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   13,744,467 83,629 SH   SOLE   83,629 0 0
ISHARES TR MSCI USA VALUE 46432F388   299,694 2,767 SH   SOLE   2,767 0 0
ISHARES TR NATIONAL MUN ETF 464288414   3,789,134 35,215 SH   SOLE   35,215 0 0
ISHARES TR RUS 1000 ETF 464287622   894,333 3,105 SH   SOLE   3,105 0 0
ISHARES TR S&P 100 ETF 464287101   3,022,855 12,218 SH   SOLE   12,218 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   9,895,758 117,193 SH   SOLE   117,192 0 0
ISHARES TR S&P 500 VAL ETF 464287408   6,661,402 35,659 SH   SOLE   35,658 0 0
ISHARES TR U.S. ENERGY ETF 464287796   272,589 5,518 SH   SOLE   5,518 0 0
ISHARES TR U.S. TECH ETF 464287721   6,666,729 49,361 SH   SOLE   49,361 0 0
ISHARES TR US INFRASTRUC 46435U713   1,604,756 37,010 SH   SOLE   37,010 0 0
ISHARES TR US TREAS BD ETF 46429B267   281,870 12,379 SH   SOLE   12,379 0 0
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   565,404 11,205 SH   SOLE   11,205 0 0
MICROSOFT CORP COM 594918104   222,140 528 SH   SOLE   528 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   200,606 4,361 SH   SOLE   4,361 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,229,110 42,736 SH   SOLE   42,736 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   734,948 20,308 SH   SOLE   20,308 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   867,773 1,659 SH   SOLE   1,659 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   405,149 8,711 SH   SOLE   8,711 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   272,871 3,757 SH   SOLE   3,757 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,872,652 155,586 SH   SOLE   155,586 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   5,838,473 128,009 SH   SOLE   128,008 0 0