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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 648 3,710 SH   SOLE   3,710 0 0
ABB LTD SPONSORED ADR 000375204 1,099 39,300 SH   SOLE   39,300 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,301 2,601 SH   SOLE   2,601 0 0
ALLSTATE CORP COM 020002101 1,209 10,999 SH   SOLE   10,999 0 0
ALPHABET INC CAP STK CL C 02079K107 2,691 1,536 SH   SOLE   1,536 0 0
AMAZON COM INC COM 023135106 635 195 SH   SOLE   195 0 0
AMERICAN TOWER CORP NEW COM 03027X100 449 2,002 SH   SOLE   2,002 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 316 4,525 SH   SOLE   4,525 0 0
APPLE INC COM 037833100 10,143 76,438 SH   SOLE   76,438 0 0
ARK ETF TR INNOVATION ETF 00214Q104 1,498 12,031 SH   SOLE   12,031 0 0
AT&T INC COM 00206R102 407 14,143 SH   SOLE   14,143 0 0
AUTOLIV INC COM 052800109 380 4,130 SH   SOLE   4,130 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,651 7,120 SH   SOLE   7,120 0 0
BOEING CO COM 097023105 381 1,780 SH   SOLE   1,780 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 728 11,733 SH   SOLE   11,733 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 445 9,000 SH   SOLE   9,000 0 0
CHEVRON CORP NEW COM 166764100 997 11,810 SH   SOLE   11,810 0 0
CIGNA CORP NEW COM 125523100 673 3,235 SH   SOLE   3,235 0 0
COCA COLA CO COM 191216100 334 6,096 SH   SOLE   6,096 0 0
COMCAST CORP NEW CL A 20030N101 1,356 25,879 SH   SOLE   25,879 0 0
CONOCOPHILLIPS COM 20825C104 425 10,638 SH   SOLE   10,638 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,223 3,245 SH   SOLE   3,245 0 0
CSX CORP COM 126408103 1,438 15,847 SH   SOLE   15,847 0 0
CVS HEALTH CORP COM 126650100 1,165 17,050 SH   SOLE   17,050 0 0
DTE ENERGY CO COM 233331107 216 1,783 SH   SOLE   1,783 0 0
ECOLAB INC COM 278865100 1,807 8,350 SH   SOLE   8,350 0 0
EXXON MOBIL CORP COM 30231G102 535 12,983 SH   SOLE   12,983 0 0
FACEBOOK INC CL A 30303M102 259 949 SH   SOLE   949 0 0
FLEXSHARES TR STOX ESG INDEX 33939L696 489 5,350 SH   SOLE   5,350 0 0
GENERAL ELECTRIC CO COM 369604103 324 29,963 SH   SOLE   29,963 0 0
INTEL CORP COM 458140100 1,810 36,325 SH   SOLE   36,325 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,374 10,917 SH   SOLE   10,917 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 378 1,204 SH   SOLE   1,204 0 0
ISHARES INC CORE MSCI EMKT 46434G103 204 3,293 SH   SOLE   3,293 0 0
ISHARES INC MSCI EMERG MRKT 464286533 482 7,895 SH   SOLE   7,895 0 0
ISHARES TR COHEN STEER REIT 464287564 311 5,780 SH   SOLE   5,780 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 7,262 99,430 SH   SOLE   99,430 0 0
ISHARES TR IBONDS DEC 46435U697 1,126 41,550 SH   SOLE   41,550 0 0
ISHARES TR IBONDS DEC 25 46435U432 1,082 38,400 SH   SOLE   38,400 0 0
ISHARES TR IBONDS DEC 26 46435U259 897 33,100 SH   SOLE   33,100 0 0
ISHARES TR IBONDS DEC2021 46435G789 1,044 40,510 SH   SOLE   40,510 0 0
ISHARES TR IBONDS DEC2022 46435G755 1,069 40,560 SH   SOLE   40,560 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,092 41,705 SH   SOLE   41,705 0 0
ISHARES TR MRNGSTR LG-CP GR 464287119 246 850 SH   SOLE   850 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 10,713 145,931 SH   SOLE   145,931 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,459 28,241 SH   SOLE   28,241 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 17,734 261,248 SH   SOLE   261,248 0 0
ISHARES TR MSCI USA MMENTM 46432F396 15,718 97,449 SH   SOLE   97,449 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 9,816 84,470 SH   SOLE   84,470 0 0
ISHARES TR TIPS BD ETF 464287176 249 1,950 SH   SOLE   1,950 0 0
ISHARES TR U.S. TECH ETF 464287721 1,339 15,736 SH   SOLE   15,736 0 0
ISHARES TR US HLTHCARE ETF 464287762 246 1,000 SH   SOLE   1,000 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 4,052 79,775 SH   SOLE   79,775 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 1,378 27,000 SH   SOLE   27,000 0 0
JOHNSON & JOHNSON COM 478160104 3,282 20,851 SH   SOLE   20,851 0 0
JPMORGAN CHASE & CO COM 46625H100 822 6,466 SH   SOLE   6,466 0 0
KIMBERLY-CLARK CORP COM 494368103 986 7,313 SH   SOLE   7,313 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 1,513 27,930 SH   SOLE   27,930 0 0
LILLY ELI & CO COM 532457108 253 1,500 SH   SOLE   1,500 0 0
MICROSOFT CORP COM 594918104 3,595 16,162 SH   SOLE   16,162 0 0
NORFOLK SOUTHN CORP COM 655844108 1,675 7,050 SH   SOLE   7,050 0 0
ORACLE CORP COM 68389X105 448 6,925 SH   SOLE   6,925 0 0
PEPSICO INC COM 713448108 824 5,553 SH   SOLE   5,553 0 0
PFIZER INC COM 717081103 1,323 35,942 SH   SOLE   35,942 0 0
PHILLIPS 66 COM 718546104 413 5,910 SH   SOLE   5,910 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 94 15,517 SH   SOLE   15,517 0 0
PROCTER AND GAMBLE CO COM 742718109 447 3,211 SH   SOLE   3,211 0 0
QUALCOMM INC COM 747525103 1,429 9,378 SH   SOLE   9,378 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 617 10,597 SH   SOLE   10,597 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 676 15,750 SH   SOLE   15,750 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 11,312 220,113 SH   SOLE   220,113 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 250 4,470 SH   SOLE   4,470 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,394 52,923 SH   SOLE   52,923 0 0
STARBUCKS CORP COM 855244109 497 4,650 SH   SOLE   4,650 0 0
TESLA INC COM 88160R101 533 755 SH   SOLE   755 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,542 7,250 SH   SOLE   7,250 0 0
VANECK VECTORS ETF TR SEMICONDUCTOR ET 92189F676 402 1,841 SH   SOLE   1,841 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 27,591 332,821 SH   SOLE   332,821 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 403 6,890 SH   SOLE   6,890 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 13,186 52,047 SH   SOLE   52,047 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 535 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 895 7,520 SH   SOLE   7,520 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 9,978 48,255 SH   SOLE   48,255 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,300 9,139 SH   SOLE   9,139 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 14,841 76,235 SH   SOLE   76,235 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,583 8,131 SH   SOLE   8,131 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,268 25,311 SH   SOLE   25,311 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 14,005 99,205 SH   SOLE   99,205 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,343 113,182 SH   SOLE   113,182 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 290 3,166 SH   SOLE   3,166 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 9,974 122,545 SH   SOLE   122,545 0 0
VISA INC COM CL A 92826C839 2,098 9,593 SH   SOLE   9,593 0 0