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
Abbott Laboratories Com 002824100 353,470 3,528 SH   SOLE   0 0 3,528
Analog Devices Inc Com 032654105 262,146 2,301 SH   SOLE   0 0 2,301
Apple Inc Com 037833100 1,677,408 4,311 SH   SOLE   0 0 4,311
Berkshire Hath B Com 084670702 334,165 1,738 SH   SOLE   0 0 1,738
Deere & Co Com 244199105 397,133 2,263 SH   SOLE   0 0 2,263
Exxon Mobil Corp Com 30231G102 252,364 5,786 SH   SOLE   0 0 5,786
General Electric Co Com 369604103 447,192 63,341 SH   SOLE   0 0 63,341
Johnson & Johnson Com 478160104 1,066,536 7,109 SH   SOLE   0 0 7,109
JPMorgan Chase & Co Com 46625H100 349,757 3,544 SH   SOLE   0 0 3,544
Merck & Co Inc Com 58933Y105 245,557 3,117 SH   SOLE   0 0 3,117
Pfizer Inc Com 717081103 211,308 5,480 SH   SOLE   0 0 5,480
Progressive Corp Com 743315103 451,330 5,007 SH   SOLE   0 0 5,007
The Home Depot Inc Com 437076102 357,979 1,350 SH   SOLE   0 0 1,350
Verizon Communications Inc Com 92343V104 280,331 5,028 SH   SOLE   0 0 5,028
Etho Climate Leadership US ETF 26924G888 1,237,864 28,436 SH   SOLE   0 0 28,436
Goldman Sachs ActiveBeta US LgCp Eq ETF 381430503 1,361,861 20,544 SH   SOLE   0 0 20,544
Invesco S&P 500 Quality ETF 46137V241 1,650,714 44,184 SH   SOLE   0 0 44,184
iShares Core Conservative Allocation ETF 464289883 224,427 6,039 SH   SOLE   0 0 6,039
iShares Core Growth Allocation ETF 464289867 350,304 7,298 SH   SOLE   0 0 7,298
iShares Core S&P 500 ETF 464287200 267,379 814 SH   SOLE   0 0 814
iShares Edge MSCI Min Vol EAFE ETF 46429B689 3,941,014 58,015 SH   SOLE   0 0 58,015
iShares Edge MSCI Min Vol Emerg Mkts ETF 464286533 236,677 4,330 SH   SOLE   0 0 4,330
iShares Edge MSCI Min Vol USA ETF 46429B697 14,398,466 226,319 SH   SOLE   0 0 226,319
iShares Edge MSCI USA Momentum Fctr ETF 46432F396 7,831,132 55,375 SH   SOLE   0 0 55,375
iShares Edge MSCI USA Quality Factor ETF 46432F339 14,216,978 139,986 SH   SOLE   0 0 139,986
iShares Edge MSCI USA Value Factor ETF 46432F388 7,819,771 103,682 SH   SOLE   0 0 103,682
iShares ESG U.S. Aggregate Bond ETF 46435U549 1,051,609 18,459 SH   SOLE   0 0 18,459
iShares Morningstar Multi-Asset Inc ETF 46432F875 242,933 10,612 SH   SOLE   0 0 10,612
iShares MSCI ACWI Low Carbon Target ETF 46434V464 869,005 6,773 SH   SOLE   0 0 6,773
iShares MSCI EAFE Small-Cap ETF 464288273 206,742 3,665 SH   SOLE   0 0 3,665
iShares MSCI Frontier 100 ETF 464286145 5,589,940 235,763 SH   SOLE   0 0 235,763
iShares Preferred&Income Securities ETF 464288687 677,433 19,013 SH   SOLE   0 0 19,013
iShares Silver Trust 46428Q109 5,721,414 266,857 SH   SOLE   0 0 266,857
iShares TIPS Bond ETF 464287176 878,787 7,041 SH   SOLE   0 0 7,041
JPMorgan Diversified Return Intl Eq ETF 46641Q209 5,597,418 108,678 SH   SOLE   0 0 108,678
JPMorgan US Aggregate Bond ETF 46641Q613 3,788,336 134,529 SH   SOLE   0 0 134,529
Nuveen ESG Small-Cap ETF 67092P607 761,937 26,515 SH   SOLE   0 0 26,515
OShares US Sm Cp Qual Div ETF 67110P100 8,356,897 318,358 SH   SOLE   0 0 318,358
Schwab Short-Term US Treasury ETF 808524862 1,094,745 21,216 SH   SOLE   0 0 21,216
SPDR DoubleLine Total Return Tact ETF 78467V848 2,462,428 49,506 SH   SOLE   0 0 49,506
SPDR Gold Shares 78463V107 6,490,757 36,957 SH   SOLE   0 0 36,957
SPDR Portfolio Emerging Markets ETF 78463X509 2,047,031 56,361 SH   SOLE   0 0 56,361
SPDR Portfolio Short Term Corp Bd ETF 78464A474 836,464 26,638 SH   SOLE   0 0 26,638
SPDR Portfolio Short Term Treasury ETF 78468R101 15,633,293 509,061 SH   SOLE   0 0 509,061
SPDR Portfolio TIPS ETF 78464A656 699,883 22,872 SH   SOLE   0 0 22,872
SPDR S&P 500 Fossil Fuel Rsrv Free ETF 78468R796 1,717,982 21,228 SH   SOLE   0 0 21,228
SPDR S&P International Small Cap ETF 78463X871 881,350 30,486 SH   SOLE   0 0 30,486
SPDR SSGA US Large Cap Low Volatil ETF 78468R804 375,103 3,504 SH   SOLE   0 0 3,504
SPDR Wells Fargo Preferred Stock ETF 78464A292 1,754,623 40,952 SH   SOLE   0 0 40,952
Vanguard FTSE Developed Markets ETF 921943858 677,669 16,573 SH   SOLE   0 0 16,573
Vanguard FTSE Emerging Markets ETF 922042858 6,360,518 146,962 SH   SOLE   0 0 146,962
Vanguard Growth ETF 922908736 215,664 999 SH   SOLE   0 0 999
Vanguard Intmdt-Term Trs ETF 92206C706 12,756,208 180,631 SH   SOLE   0 0 180,631
Vanguard Short-Term Bond ETF 921937827 1,221,664 14,687 SH   SOLE   0 0 14,687
Vanguard Value ETF 922908744 1,250,209 11,950 SH   SOLE   0 0 11,950