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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
ISHARES MSCI EM ESG ETF ETF 46434G863 303 7,000 SH   SOLE   0 0 7,000
VANGUARD SMALL CP ETF ETF 922908751 363 1,694 SH   SOLE   0 0 1,694
VANGUARD VALUE ETF ETF 922908744 35,905 273,127 SH   SOLE   0 0 273,127
VANGUARD SHORT TERM CORP BD ETF ETF 92206C409 8,989 108,961 SH   SOLE   0 0 108,961
ISHARES EAFE SML CP ETF ETF 464288273 8,486 118,118 SH   SOLE   0 0 118,118
VANGUARD DIV APP ETF ETF 921908844 14,170 96,340 SH   SOLE   0 0 96,340
ISHARES MSCI EAFE ETF ETF 464287465 13,381 176,366 SH   SOLE   0 0 176,366
ISHARES CORE SP500 ETF ETF 464287200 28,551 71,770 SH   SOLE   0 0 71,770
ISHARES core SP MCP ETF ETF 464287507 213,413 819,938 SH   SOLE   0 0 819,938
VANGUARD FTSE EMR MKT ETF ETF 922042858 9,956 191,281 SH   SOLE   0 0 191,281
ISHARES TR SP 500 GRWT ETF ETF 464287309 24,003 368,649 SH   SOLE   0 0 368,649
ISHARES TR CORE SP SCP ETF ETF 464287804 79,067 728,526 SH   SOLE   0 0 728,526
ISHARES CORE MSCI EMKT ETF ETF 46434G103 4,994 77,588 SH   SOLE   0 0 77,588