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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR NATIONAL MUN ETF 464288414 3,722 34,997 SH   SOLE   10,524 0 24,473
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 9,950 224,760 SH   SOLE   69,910 0 154,849
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 4,943 93,579 SH   SOLE   40,092 0 53,487
VANGUARD INDEX FDS LARGE CAP ETF 922908637 19,398 112,549 SH   SOLE   77,495 0 35,054
WISDOMTREE TR EMER MKT HIGH FD 97717W315 562 15,170 SH   SOLE   5,046 0 10,124
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 6,917 266,761 SH   SOLE   106,157 0 160,604
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 21,136 467,101 SH   SOLE   190,990 0 276,111
PRICE T ROWE GROUP INC COM 74144T108 840 7,392 SH   SOLE   7,200 0 192
WISDOMTREE TR US LARGECAP DIVD 97717W307 6,330 107,110 SH   SOLE   56,793 0 50,317
WISDOMTREE TR US SMALLCAP FUND 97717W562 763 18,559 SH   SOLE   18,559 0 0
PROCTER AND GAMBLE CO COM 742718109 1,141 7,937 SH   SOLE   7,391 0 546
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,974 50,623 SH   SOLE   4,993 0 45,630
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,819 75,772 SH   SOLE   21,908 0 53,864
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 9,182 225,055 SH   SOLE   113,260 0 111,795
ISHARES INC ESG AWR MSCI EM 46434G863 252 7,785 SH   SOLE   0 0 7,785
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 9,031 318,989 SH   SOLE   118,183 0 200,806
ISHARES TR GL CLEAN ENE ETF 464288224 843 44,235 SH   SOLE   5,636 0 38,599
EXXON MOBIL CORP COM 30231G102 229 2,671 SH   SOLE   156 0 2,515
GENERAL ELECTRIC CO COM NEW 369604301 231 3,633 SH   SOLE   3,596 0 37
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 671 14,690 SH   SOLE   1,003 0 13,687
DOW INC COM 260557103 201 3,900 SH   SOLE   3,900 0 0
JPMORGAN CHASE & CO COM 46625H100 663 5,891 SH   SOLE   781 0 5,110
FLEXSHARES TR MORNSTAR UPSTR 33939L407 29,834 752,056 SH   SOLE   369,782 0 382,274
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 16,256 178,425 SH   SOLE   77,294 0 101,131
ISHARES TR IBOXX INV CP ETF 464287242 334 3,035 SH   SOLE   3,035 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 201 2,800 SH   SOLE   0 0 2,800
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 12,285 241,347 SH   SOLE   85,086 0 156,261
ILLINOIS TOOL WKS INC COM 452308109 266 1,460 SH   SOLE   0 0 1,460
VANGUARD INDEX FDS SMALL CP ETF 922908751 18,186 103,264 SH   SOLE   53,705 0 49,559
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 11,560 153,603 SH   SOLE   47,135 0 106,468
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,092 68,792 SH   SOLE   22,460 0 46,332
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 253 1,073 SH   SOLE   0 0 1,073
SMUCKER J M CO COM NEW 832696405 228 1,778 SH   SOLE   1,778 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,599 25,178 SH   SOLE   13,441 0 11,737
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 24,560 490,023 SH   SOLE   156,318 0 333,705
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 5,215 82,158 SH   SOLE   32,473 0 49,685
WISDOMTREE TR INTL EQUITY FD 97717W703 7,113 156,528 SH   SOLE   110,542 0 45,986
ISHARES TR CORE S&P MCP ETF 464287507 3,173 14,025 SH   SOLE   14,025 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 7,641 45,118 SH   SOLE   36,487 0 8,632
PHILLIPS 66 COM 718546104 211 2,568 SH   SOLE   2,368 0 200
CORTEVA INC COM 22052L104 211 3,900 SH   SOLE   3,900 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,289 68,641 SH   SOLE   47,045 0 21,596
SPDR SER TR DJ REIT ETF 78464A607 953 10,021 SH   SOLE   6,197 0 3,824
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,409 201,908 SH   SOLE   94,090 0 107,818
CONOCOPHILLIPS COM 20825C104 267 2,977 SH   SOLE   2,577 0 400
ISHARES TR CORE S&P500 ETF 464287200 14,411 38,009 SH   SOLE   19,986 0 18,023
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 18,152 363,623 SH   SOLE   161,763 0 201,860
JOHNSON & JOHNSON COM 478160104 954 5,377 SH   SOLE   5,270 0 107
AIR PRODS & CHEMS INC COM 009158106 481 2,000 SH   SOLE   2,000 0 0