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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPS ETF TR OSHARES US SMLCP 00162Q395   11,638,321 329,511 SH   SOLE 0 0 0 329,511
APPLE INC COM 037833100   2,199,905 13,341 SH   SOLE 0 0 0 13,341
AUTOMATIC DATA PROCESSING IN COM 053015103   259,587 1,166 SH   SOLE 0 0 0 1,166
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   339,338 1,099 SH   SOLE 0 0 0 1,099
BRISTOL-MYERS SQUIBB CO COM 110122108   352,095 5,080 SH   SOLE 0 0 0 5,080
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   255,032 1,740 SH   SOLE 0 0 0 1,740
CHEVRON CORP NEW COM 166764100   264,809 1,623 SH   SOLE 0 0 0 1,623
COSTCO WHSL CORP NEW COM 22160K105   226,573 456 SH   SOLE 0 0 0 456
D R HORTON INC COM 23331A109   319,251 3,268 SH   SOLE 0 0 0 3,268
DEERE & CO COM 244199105   301,510 730 SH   SOLE 0 0 0 730
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   15,997,277 593,591 SH   SOLE 0 0 0 593,591
DOUBLELINE ETF TRUST OPPORTUNISTIC BD 25861R105   248,157 5,314 SH   SOLE 0 0 0 5,314
EMERSON ELEC CO COM 291011104   219,680 2,521 SH   SOLE 0 0 0 2,521
ETF MANAGERS TR ETHO CLIMATE LEA 26924G888   1,600,838 30,683 SH   SOLE 0 0 0 30,683
EXXON MOBIL CORP COM 30231G102   1,473,282 13,435 SH   SOLE 0 0 0 13,435
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   221,235 2,697 SH   SOLE 0 0 0 2,697
GENERAL ELECTRIC CO COM NEW 369604301   799,885 8,367 SH   SOLE 0 0 0 8,367
GENERAL MLS INC COM 370334104   201,429 2,357 SH   SOLE 0 0 0 2,357
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   1,221,143 15,035 SH   SOLE 0 0 0 15,035
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   1,028,869 33,394 SH   SOLE 0 0 0 33,394
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503   655,751 17,164 SH   SOLE 0 0 0 17,164
HOME DEPOT INC COM 437076102   398,412 1,350 SH   SOLE 0 0 0 1,350
HUNTINGTON BANCSHARES INC COM 446150104   227,752 20,335 SH   SOLE 0 0 0 20,335
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628   639,581 15,239 SH   SOLE 0 0 0 15,239
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   1,418,849 29,984 SH   SOLE 0 0 0 29,984
ISHARES INC MSCI GBL GOLD MN 46434G855   261,677 10,396 SH   SOLE 0 0 0 10,396
ISHARES TR US TREAS BD ETF 46429B267   809,135 34,608 SH   SOLE 0 0 0 34,608
ISHARES TR GRWT ALLOCAT ETF 464289867   214,829 4,294 SH   SOLE 0 0 0 4,294
ISHARES TR MSCI USA MIN VOL 46429B697   6,371,934 87,599 SH   SOLE 0 0 0 87,599
ISHARES TR 3 7 YR TREAS BD 464288661   519,307 4,414 SH   SOLE 0 0 0 4,414
ISHARES TR JPMORGAN USD EMG 464288281   4,977,148 57,686 SH   SOLE 0 0 0 57,686
ISHARES TR EAFE SML CP ETF 464288273   790,174 13,278 SH   SOLE 0 0 0 13,278
ISHARES TR ESG AWR US AGRGT 46435U549   1,004,350 20,898 SH   SOLE 0 0 0 20,898
ISHARES TR MSCI LW CRB TG 46434V464   2,077,324 14,042 SH   SOLE 0 0 0 14,042
ISHARES TR MSCI USA MMENTM 46432F396   13,711,471 98,615 SH   SOLE 0 0 0 98,615
ISHARES TR MSCI USA VALUE 46432F388   19,088,595 206,163 SH   SOLE 0 0 0 206,163
ISHARES TR MSCI USA QLT FCT 46432F339   12,980,693 104,628 SH   SOLE 0 0 0 104,628
ISHARES TR CORE S&P SCP ETF 464287804   7,420,495 76,737 SH   SOLE 0 0 0 76,737
ISHARES TR CORE S&P500 ETF 464287200   207,907 506 SH   SOLE 0 0 0 506
ISHARES TR RUS 1000 GRW ETF 464287614   428,066 1,752 SH   SOLE 0 0 0 1,752
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   1,006,353 19,238 SH   SOLE 0 0 0 19,238
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   13,860,938 275,456 SH   SOLE 0 0 0 275,456
JOHNSON & JOHNSON COM 478160104   1,137,933 7,342 SH   SOLE 0 0 0 7,342
JPMORGAN CHASE & CO COM 46625H100   339,979 2,609 SH   SOLE 0 0 0 2,609
LAM RESEARCH CORP COM 512807108   244,385 461 SH   SOLE 0 0 0 461
LOCKHEED MARTIN CORP COM 539830109   225,729 478 SH   SOLE 0 0 0 478
LOWES COS INC COM 548661107   239,964 1,200 SH   SOLE 0 0 0 1,200
MERCK & CO INC COM 58933Y105   396,941 3,731 SH   SOLE 0 0 0 3,731
META PLATFORMS INC CL A 30303M102   267,680 1,263 SH   SOLE 0 0 0 1,263
NORTHROP GRUMMAN CORP COM 666807102   206,851 448 SH   SOLE 0 0 0 448
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   2,594,664 73,275 SH   SOLE 0 0 0 73,275
ORACLE CORP COM 68389X105   238,108 2,563 SH   SOLE 0 0 0 2,563
PFIZER INC COM 717081103   376,543 9,229 SH   SOLE 0 0 0 9,229
PROGRESSIVE CORP COM 743315103   340,769 2,382 SH   SOLE 0 0 0 2,382
RAYTHEON TECHNOLOGIES CORP COM 75513E101   965,340 9,857 SH   SOLE 0 0 0 9,857
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   368,258 7,850 SH   SOLE 0 0 0 7,850
SPDR GOLD TR GOLD SHS 78463V107   6,721,878 36,687 SH   SOLE 0 0 0 36,687
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   231,649 7,212 SH   SOLE 0 0 0 7,212
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,295,950 37,971 SH   SOLE 0 0 0 37,971
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   243,238 7,854 SH   SOLE 0 0 0 7,854
SPDR S&P 500 ETF TR TR UNIT 78462F103   370,498 905 SH   SOLE 0 0 0 905
SPDR SER TR S&P KENSHO CLEAN 78468R655   4,639,735 53,522 SH   SOLE 0 0 0 53,522
SPDR SER TR SPDR S&P 500 ETF 78468R796   2,847,786 85,673 SH   SOLE 0 0 0 85,673
STARBUCKS CORP COM 855244109   293,438 2,818 SH   SOLE 0 0 0 2,818
US BANCORP DEL COM NEW 902973304   255,270 7,081 SH   SOLE 0 0 0 7,081
VACASA INC CLASS A COM 91854V107   35,093 36,472 SH   SOLE 0 0 0 36,472
VANECK ETF TRUST GOLD MINERS ETF 92189F106   5,076,217 156,916 SH   SOLE 0 0 0 156,916
VANGUARD INDEX FDS VALUE ETF 922908744   1,687,106 12,216 SH   SOLE 0 0 0 12,216
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   9,020,098 223,270 SH   SOLE 0 0 0 223,270
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   11,114,457 185,365 SH   SOLE 0 0 0 185,365
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,645,564 124,985 SH   SOLE 0 0 0 124,985
VERIZON COMMUNICATIONS INC COM 92343V104   410,654 10,559 SH   SOLE 0 0 0 10,559