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 INC MSCI EURZONE ETF 464286608 13,873 281,120 SH   SOLE   281,120 0 0
ISHARES TR S&P MC 400GR ETF 464287606 207 2,560 SH   SOLE   2,560 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,995 17,655 SH   SOLE   17,655 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,196 5,107 SH   SOLE   5,107 0 0
ISHARES TR U.S. REAL ES ETF 464287739 210 2,060 SH   SOLE   2,060 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,953 13,907 SH   SOLE   13,907 0 0
AMAZON COM INC COM 023135106 375 109 SH   DFND   0 0 109
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 8,372 30,122 SH   SOLE   30,122 0 0
JOHNSON & JOHNSON COM 478160104 514 3,118 SH   SOLE   3,118 0 0
ISHARES TR MSCI EAFE ETF 464287465 314 3,985 SH   SOLE   3,985 0 0
CHEVRON CORP NEW COM 166764100 203 1,940 SH   SOLE   1,940 0 0
MICROSOFT CORP COM 594918104 582 2,148 SH   DFND   0 0 2,148
MICROSOFT CORP COM 594918104 695 2,567 SH   SOLE   2,567 0 0
ISHARES TR EXPND TEC SC ETF 464287549 66,141 163,723 SH   SOLE   163,723 0 0
PROCTER AND GAMBLE CO COM 742718109 330 2,443 SH   SOLE   2,443 0 0
JPMORGAN CHASE & CO COM 46625H100 339 2,182 SH   SOLE   2,182 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 30,066 260,337 SH   SOLE   260,337 0 0
ISHARES TR IBOXX INV CP ETF 464287242 242 1,801 SH   SOLE   1,801 0 0
3M CO COM 88579Y101 201 1,011 SH   SOLE   1,011 0 0
APPLE INC COM 037833100 657 4,800 SH   DFND   0 0 4,800
APPLE INC COM 037833100 1,257 9,175 SH   SOLE   9,175 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,081 13,804 SH   SOLE   13,804 0 0
ISHARES TR SELECT DIVID ETF 464287168 1,092 9,367 SH   SOLE   9,367 0 0
ISHARES TR TIPS BD ETF 464287176 354 2,764 SH   SOLE   2,764 0 0
WD 40 CO COM 929236107 221 864 SH   SOLE   864 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 230 1,064 SH   SOLE   1,064 0 0
CHURCH & DWIGHT INC COM 171340102 257 3,020 SH   SOLE   3,020 0 0
BECTON DICKINSON & CO COM 075887109 325 1,338 SH   SOLE   1,338 0 0
MCCORMICK & CO INC COM NON VTG 579780206 250 2,826 SH   SOLE   2,826 0 0
ISHARES TR MICRO-CAP ETF 464288869 403 2,641 SH   SOLE   2,641 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 459 909 SH   SOLE   909 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 639 11,941 SH   SOLE   11,941 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 2,055 12,817 SH   SOLE   12,817 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 705 1,767 SH   SOLE   1,767 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 26,945 313,714 SH   SOLE   313,714 0 0
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E267 552 10,287 SH   SOLE   10,287 0 0
INVESCO EXCHANGE TRADED FD T INVESCO MSCI 46137V407 746 10,774 SH   SOLE   10,774 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,247 8,185 SH   SOLE   8,185 0 0
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 537 20,706 SH   SOLE   20,706 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 15,832 151,834 SH   SOLE   151,834 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,710 119,398 SH   SOLE   119,398 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 707 6,790 SH   SOLE   6,790 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 1,509 8,292 SH   SOLE   8,292 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 46,741 225,325 SH   SOLE   225,325 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 203,676 517,575 SH   SOLE   517,575 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 53,621 685,079 SH   SOLE   685,079 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 205 2,709 SH   SOLE   2,709 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,064 14,082 SH   SOLE   14,082 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,219 28,567 SH   SOLE   28,567 0 0
FACEBOOK INC CL A 30303M102 261 750 SH   DFND   0 0 750
ISHARES INC CORE MSCI EMKT 46434G103 5,066 75,624 SH   SOLE   75,624 0 0
ISHARES TR CORE MSCI EAFE 46432F842 466 6,228 SH   SOLE   6,228 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 6,635 121,986 SH   SOLE   121,986 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 32,948 363,541 SH   SOLE   363,541 0 0
ALPHABET INC CAP STK CL C 02079K107 291 116 SH   DFND   0 0 116
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 9,654 199,429 SH   SOLE   199,429 0 0
SQUARE INC CL A 852234103 207 851 SH   SOLE   851 0 0
SPDR INDEX SHS FDS MSCI EMR MKT ETF 78470E205 323 3,937 SH   SOLE   3,937 0 0
FIRST TR EXCHANGE-TRADED FD FT CBOE VEST S&P 33739Q705 1,259 23,594 SH   SOLE   23,594 0 0
ISHARES TR ESG AWARE MSCI 46435U663 367 9,094 SH   SOLE   9,094 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 4,751 59,398 SH   SOLE   59,398 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 697 10,859 SH   SOLE   10,859 0 0
FIRST TR EXCHNG TRADED FD VI EXPANDED TECHNOL 33740U851 9,836 472,902 SH   SOLE   472,902 0 0