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
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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 1,409 13,736 SH   SOLE   834 0 12,902
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 9,464 248,020 SH   SOLE   80,459 0 167,560
VANGUARD INDEX FDS LARGE CAP ETF 922908637 18,284 111,789 SH   SOLE   77,320 0 34,469
WISDOMTREE TR EMER MKT HIGH FD 97717W315 579 17,810 SH   SOLE   5,046 0 12,764
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 4,681 101,428 SH   SOLE   40,729 0 60,699
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 6,242 266,318 SH   SOLE   108,131 0 158,187
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 19,742 464,305 SH   SOLE   191,471 0 272,835
WISDOMTREE TR US LARGECAP DIVD 97717W307 5,860 106,051 SH   SOLE   56,619 0 49,432
WISDOMTREE TR US SMALLCAP FUND 97717W562 726 18,535 SH   SOLE   18,535 0 0
PRICE T ROWE GROUP INC COM 74144T108 756 7,200 SH   SOLE   7,200 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,668 75,757 SH   SOLE   22,162 0 53,595
PROCTER AND GAMBLE CO COM 742718109 1,002 7,937 SH   SOLE   7,391 0 546
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,214 58,578 SH   SOLE   4,896 0 53,682
ISHARES INC ESG AWR MSCI EM 46434G863 232 8,388 SH   SOLE   0 0 8,388
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 8,685 345,329 SH   SOLE   131,197 0 214,132
ISHARES TR GL CLEAN ENE ETF 464288224 769 40,259 SH   SOLE   5,375 0 34,884
EXXON MOBIL CORP COM 30231G102 233 2,671 SH   SOLE   156 0 2,515
GENERAL ELECTRIC CO COM NEW 369604301 225 3,633 SH   SOLE   3,596 0 37
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 669 13,885 SH   SOLE   908 0 12,977
JPMORGAN CHASE & CO COM 46625H100 583 5,576 SH   SOLE   781 0 4,795
FLEXSHARES TR MORNSTAR UPSTR 33939L407 29,288 779,145 SH   SOLE   380,073 0 399,072
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 14,386 179,443 SH   SOLE   77,058 0 102,385
ISHARES TR IBOXX INV CP ETF 464287242 311 3,035 SH   SOLE   3,035 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 11,695 244,872 SH   SOLE   84,931 0 159,941
ILLINOIS TOOL WKS INC COM 452308109 264 1,460 SH   SOLE   0 0 1,460
VANGUARD INDEX FDS SMALL CP ETF 922908751 17,762 103,924 SH   SOLE   53,721 0 50,203
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,981 72,844 SH   SOLE   23,722 0 49,122
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 10,903 152,858 SH   SOLE   47,085 0 105,773
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 240 1,073 SH   SOLE   0 0 1,073
SMUCKER J M CO COM NEW 832696405 244 1,778 SH   SOLE   1,778 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,480 26,717 SH   SOLE   13,943 0 12,774
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 23,168 481,564 SH   SOLE   154,571 0 326,993
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 4,924 85,727 SH   SOLE   32,758 0 52,969
WISDOMTREE TR INTL EQUITY FD 97717W703 6,055 150,804 SH   SOLE   110,068 0 40,736
ISHARES TR RUSSELL 2000 ETF 464287655 7,441 45,118 SH   SOLE   36,487 0 8,632
ISHARES TR CORE S&P MCP ETF 464287507 3,075 14,025 SH   SOLE   14,025 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 8,458 232,621 SH   SOLE   118,576 0 114,045
PHILLIPS 66 COM 718546104 207 2,568 SH   SOLE   2,368 0 200
SPDR SER TR DJ REIT ETF 78464A607 844 10,021 SH   SOLE   6,197 0 3,824
ISHARES TR MSCI EAFE ETF 464287465 3,932 70,204 SH   SOLE   46,786 0 23,418
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,407 203,000 SH   SOLE   94,277 0 108,723
CORTEVA INC COM 22052L104 223 3,900 SH   SOLE   3,900 0 0
CONOCOPHILLIPS COM 20825C104 200 1,957 SH   SOLE   1,557 0 400
ISHARES TR CORE S&P500 ETF 464287200 13,654 38,070 SH   SOLE   19,963 0 18,107
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 19,101 396,789 SH   SOLE   175,384 0 221,405
JOHNSON & JOHNSON COM 478160104 878 5,377 SH   SOLE   5,270 0 107
AIR PRODS & CHEMS INC COM 009158106 465 2,000 SH   SOLE   2,000 0 0