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 552 3,710 SH   SOLE   3,710 0 0
ABB LTD SPONSORED ADR 000375204 1,271 39,300 SH   SOLE   39,300 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 299 886 SH   SOLE   886 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,164 2,554 SH   SOLE   2,554 0 0
ALPHABET INC CAP STK CL A 02079K305 225 81 SH   SOLE   81 0 0
ALPHABET INC CAP STK CL C 02079K107 4,027 1,442 SH   SOLE   1,442 0 0
AMAZON COM INC COM 023135106 645 198 SH   SOLE   198 0 0
AMERICAN TOWER CORP NEW COM 03027X100 2,338 9,307 SH   SOLE   9,307 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 272 4,525 SH   SOLE   4,525 0 0
APPLE INC COM 037833100 13,005 74,482 SH   SOLE   74,482 0 0
APPLIED MATLS INC COM 038222105 228 1,730 SH   SOLE   1,730 0 0
AT&T INC COM 00206R102 264 11,182 SH   SOLE   11,182 0 0
AUTOLIV INC COM 052800109 316 4,130 SH   SOLE   4,130 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,623 7,433 SH   SOLE   7,433 0 0
BK OF AMERICA CORP COM 060505104 851 20,638 SH   SOLE   20,638 0 0
BOEING CO COM 097023105 336 1,755 SH   SOLE   1,755 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 693 9,483 SH   SOLE   9,483 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 596 9,000 SH   SOLE   9,000 0 0
CHEVRON CORP NEW COM 166764100 1,414 8,682 SH   SOLE   8,682 0 0
CHUBB LIMITED COM H1467J104 1,151 5,380 SH   SOLE   5,380 0 0
CIGNA CORP NEW COM 125523100 775 3,235 SH   SOLE   3,235 0 0
CISCO SYS INC COM 17275R102 1,754 31,460 SH   SOLE   31,460 0 0
COCA COLA CO COM 191216100 378 6,096 SH   SOLE   6,096 0 0
COMCAST CORP NEW CL A 20030N101 1,184 25,291 SH   SOLE   25,291 0 0
CONOCOPHILLIPS COM 20825C104 956 9,560 SH   SOLE   9,560 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,860 3,230 SH   SOLE   3,230 0 0
CSX CORP COM 126408103 1,642 43,845 SH   SOLE   43,845 0 0
DTE ENERGY CO COM 233331107 236 1,783 SH   SOLE   1,783 0 0
EXXON MOBIL CORP COM 30231G102 964 11,674 SH   SOLE   11,674 0 0
FLEXSHARES TR STOX US ESG SLCT 33939L696 3,614 32,965 SH   SOLE   32,965 0 0
GENERAL ELECTRIC CO COM NEW 369604301 330 3,602 SH   SOLE   3,602 0 0
HOME DEPOT INC COM 437076102 226 754 SH   SOLE   754 0 0
INTEL CORP COM 458140100 1,707 34,441 SH   SOLE   34,441 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 577 4,437 SH   SOLE   4,437 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 230 4,120 SH   SOLE   4,120 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 436 1,204 SH   SOLE   1,204 0 0
ISHARES INC MSCI EMERG MRKT 464286533 459 7,527 SH   SOLE   7,527 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 16,206 154,435 SH   SOLE   154,435 0 0
ISHARES TR COHEN STEER REIT 464287564 410 5,780 SH   SOLE   5,780 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,332 2,937 SH   SOLE   2,937 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 7,485 101,518 SH   SOLE   101,518 0 0
ISHARES TR ESG AWARE MSCI 46435U663 254 6,675 SH   SOLE   6,675 0 0
ISHARES TR IBONDS DEC 46435U697 1,080 41,550 SH   SOLE   41,550 0 0
ISHARES TR IBONDS DEC 25 46435U432 1,024 38,400 SH   SOLE   38,400 0 0
ISHARES TR IBONDS DEC 26 46435U259 1,008 39,500 SH   SOLE   39,500 0 0
ISHARES TR IBONDS DEC 27 46435U283 721 28,350 SH   SOLE   28,350 0 0
ISHARES TR IBONDS DEC2022 46435G755 1,051 40,560 SH   SOLE   40,560 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,062 41,705 SH   SOLE   41,705 0 0
ISHARES TR MORNINGSTAR GRWT 464287119 276 4,250 SH   SOLE   4,250 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 994 13,780 SH   SOLE   13,780 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,296 28,706 SH   SOLE   28,706 0 0
ISHARES TR MSCI KLD400 SOC 464288570 221 2,550 SH   SOLE   2,550 0 0
ISHARES TR MSCI USA ESG SLC 464288802 15,338 158,384 SH   SOLE   158,384 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 2,253 29,045 SH   SOLE   29,045 0 0
ISHARES TR MSCI USA MMENTM 46432F396 3,592 21,344 SH   SOLE   21,344 0 0
ISHARES TR TIPS BD ETF 464287176 243 1,950 SH   SOLE   1,950 0 0
ISHARES TR U.S. TECH ETF 464287721 1,621 15,736 SH   SOLE   15,736 0 0
ISHARES TR US HLTHCARE ETF 464287762 289 1,000 SH   SOLE   1,000 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 26,213 521,453 SH   SOLE   521,453 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 1,907 37,666 SH   SOLE   37,666 0 0
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 3,294 76,810 SH   SOLE   76,810 0 0
JOHNSON & JOHNSON COM 478160104 3,410 19,240 SH   SOLE   19,240 0 0
JPMORGAN CHASE & CO COM 46625H100 1,887 13,841 SH   SOLE   13,841 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 589 19,305 SH   SOLE   19,305 0 0
LILLY ELI & CO COM 532457108 430 1,500 SH   SOLE   1,500 0 0
META PLATFORMS INC CL A 30303M102 311 1,397 SH   SOLE   1,397 0 0
MICROSOFT CORP COM 594918104 4,536 14,712 SH   SOLE   14,712 0 0
NORFOLK SOUTHN CORP COM 655844108 1,772 6,211 SH   SOLE   6,211 0 0
ORACLE CORP COM 68389X105 545 6,592 SH   SOLE   6,592 0 0
PEPSICO INC COM 713448108 929 5,553 SH   SOLE   5,553 0 0
PFIZER INC COM 717081103 1,732 33,465 SH   SOLE   33,465 0 0
PHILLIPS 66 COM 718546104 511 5,910 SH   SOLE   5,910 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 90 15,517 SH   SOLE   15,517 0 0
PROCTER AND GAMBLE CO COM 742718109 475 3,111 SH   SOLE   3,111 0 0
QUALCOMM INC COM 747525103 1,433 9,378 SH   SOLE   9,378 0 0
SCHLUMBERGER LTD COM STK 806857108 330 8,000 SH   SOLE   8,000 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 842 15,750 SH   SOLE   15,750 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 29,719 599,895 SH   SOLE   599,895 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 248 4,895 SH   SOLE   4,895 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 17,569 222,702 SH   SOLE   222,702 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 202 3,329 SH   SOLE   3,329 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 506 1,121 SH   SOLE   1,121 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 654 1,333 SH   SOLE   1,333 0 0
STARBUCKS CORP COM 855244109 468 5,150 SH   SOLE   5,150 0 0
TARGET CORP COM 87612E106 1,694 7,984 SH   SOLE   7,984 0 0
TESLA INC COM 88160R101 792 735 SH   SOLE   735 0 0
UNION PAC CORP COM 907818108 1,708 6,250 SH   SOLE   6,250 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,289 4,489 SH   SOLE   4,489 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 497 1,841 SH   SOLE   1,841 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,715 99,039 SH   SOLE   99,039 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 11,358 39,492 SH   SOLE   39,492 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 563 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,728 11,545 SH   SOLE   11,545 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 11,351 47,726 SH   SOLE   47,726 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,855 10,544 SH   SOLE   10,544 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 15,662 73,699 SH   SOLE   73,699 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,851 8,131 SH   SOLE   8,131 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 631 13,670 SH   SOLE   13,670 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 17,264 106,462 SH   SOLE   106,462 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,653 111,365 SH   SOLE   111,365 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,513 135,610 SH   SOLE   135,610 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 505 4,501 SH   SOLE   4,501 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 8,760 129,550 SH   SOLE   129,550 0 0
VISA INC COM CL A 92826C839 2,035 9,178 SH   SOLE   9,178 0 0
WEYERHAEUSER CO MTN BE COM NEW 962166104 222 5,864 SH   SOLE   5,864 0 0