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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
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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
AIRBNB INC COM CL A 009066101   356,415 2,618 SH   SOLE   0 0 2,618
AMAZON INC COM 023135106   832,175 5,477 SH   SOLE   0 0 5,477
APPLE INC COM 037833100   4,837,123 25,124 SH   SOLE   0 0 25,124
CHEVRON CORP NEW COM COM 166764100   313,731 2,103 SH   SOLE   0 0 2,103
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   10,648,997 113,517 SH   SOLE   0 0 113,517
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   519,446 5,208 SH   SOLE   0 0 5,208
ISHARES TR TIPS BD ETF 464287176   557,336 5,185 SH   SOLE   0 0 5,185
ISHARES TR CORE S&P 500 ETF 464287200   2,369,474 4,961 SH   SOLE   0 0 4,961
ISHARES TR CORE US AGGBD ET 464287226   29,871,403 300,971 SH   SOLE   0 0 300,971
ISHARES TR MSCI EAFE ETF 464287465   1,122,640 14,899 SH   SOLE   0 0 14,899
ISHARES TR CORE S&P MCP ETF 464287507   803,458 2,899 SH   SOLE   0 0 2,899
ISHARES TR RUS 2000 VAL ETF 464287630   4,415,670 28,428 SH   SOLE   0 0 28,428
ISHARES TR CORE S&P SCP ETF 464287804   427,232 3,947 SH   SOLE   0 0 3,947
ISHARES TR SHRT NAT MUN ETF 464288158   1,077,073 10,216 SH   SOLE   0 0 10,216
ISHARES TR ISHS 5-10YR INVT 464288638   810,004 15,577 SH   SOLE   0 0 15,577
ISHARES TR MSCI USA ESG SLC 464288802   267,055 2,657 SH   SOLE   0 0 2,657
ISHARES TR AGGRES ALLOC ETF 464289859   3,074,229 44,522 SH   SOLE   0 0 44,522
ISHARES TR GRWT ALLOCAT ETF COM 464289867   214,941 4,041 SH   SOLE   0 0 4,041
ISHARES TR MODERT ALLOC ETF 464289875   434,444 10,466 SH   SOLE   0 0 10,466
ISHARES TR CONSER ALLOC ETF 464289883   3,136,679 86,768 SH   SOLE   0 0 86,768
MARSH & MCLENNAN COS INC 571748102   565,947 2,987 SH   SOLE   0 0 2,987
MICROSOFT CORP COM 594918104   1,068,246 2,841 SH   SOLE   0 0 2,841
SCHWAB STRATEGIC TR SCHWB FDT INTL LG 808524755   912,262 27,046 SH   SOLE   0 0 27,046
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   455,569 7,355 SH   SOLE   0 0 7,355
SCHWAB STRATEGIC TR US TIPS ETF 808524870   682,515 13,075 SH   SOLE   0 0 13,075
VANGUARD INDEX FDS VALUE ETF 921908844   214,193 1,257 SH   SOLE   0 0 1,257
VANGUARD BD INDEX FDS SHORT TRM BND 921937827   6,689,983 86,860 SH   SOLE   0 0 86,860
VANGUARD BD INDEX FDS TOTAL BD MRKT 921937835   811,484 11,033 SH   SOLE   0 0 11,033
VANGUARD TAX-MANATGED INTL FD FTSE DEV MKT ETF 921943858   4,788,791 99,975 SH   SOLE   0 0 99,975
VANGUARD WHITEHALL FDS EM MC GOV BD ETF 921946885   2,697,536 42,314 SH   SOLE   0 0 42,314
VANGUARD MALVERN FDS STRM INFOPRO IDX 922020805   8,506,979 179,132 SH   SOLE   0 0 179,132
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   19,891,269 354,315 SH   SOLE   0 0 354,315
VANGUARD INTL EQUITY INDEX FD FTSE EMR MKT ETF 922042858   798,360 19,425 SH   SOLE   0 0 19,425
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   227,173 4,450 SH   SOLE   0 0 4,450
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,905,133 32,878 SH   SOLE   0 0 32,878
VANGUARD INDEX FDS LARGE CAP ETF 922908637   292,365 1,340 SH   SOLE   0 0 1,340
VANGUARD INDEX FDS VALUE ETF 922908744   703,248 4,704 SH   SOLE   0 0 4,704
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,108,224 4,672 SH   SOLE   0 0 4,672
INVESCO QQQ TR UNIT SER 1 46090E103   632,400 1,544 SH   SOLE   0 0 1,544
ALPHABET INC CAP STK CL C 02079K107   418,421 2,969 SH   SOLE   0 0 2,969
ALPHABET INC CAP STK CL A 02079K305   806,570 5,774 SH   SOLE   0 0 5,774
COSTCO WHSL CORP NEW COM 22160K105   256,111 388 SH   SOLE   0 0 388
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   510,487 14,857 SH   SOLE   0 0 14,857
META PLATFORMS INC CL A 30303M102   443,866 1,254 SH   SOLE   0 0 1,254
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   964,649 40,823 SH   SOLE   0 0 40,823
FUELCELL ENERGY INC COM 35952H601   17,522 10,951 SH   SOLE   0 0 10,951
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   258,319 1,637 SH   SOLE   0 0 1,637
ISHARES TR 0-5 YR TIPS ETF 46429B747   868,479 8,809 SH   SOLE   0 0 8,809
ISHARES TR MSCI USA VALUE 46432F388   460,183 4,549 SH   SOLE   0 0 4,549
NVIDIA CORPORATION COM 67066G104   275,842 557 SH   SOLE   0 0 557
PIMCO ETF TR 1-5 US TIP IDX 72201R205   5,470,339 106,947 SH   SOLE   0 0 106,947
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   591,655 5,929 SH   SOLE   0 0 5,929
SALESFORCE INC COM 79466L302   219,985 836 SH   SOLE   0 0 836
TESLA INC COM 88160R101   226,365 911 SH   SOLE   0 0 911
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   885,549 10,895 SH   SOLE   0 0 10,895