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
Vanguard Total Stock Market ETF ETF 922908769 43,991 198,106 SH   SOLE   0 0 198,106
iShares Russell 1000 ETF ETF 464287622 34,172 141,376 SH   SOLE   0 0 141,376
iShares Core US Aggregate Bond ETF 464287226 33,606 292,662 SH   SOLE   0 0 292,662
Vanguard Short-Term Corporate Bond ETF ETF 92206C409 21,386 259,510 SH   SOLE   0 0 259,510
Vanguard Short Term Treasury ETF ETF 92206C102 14,759 240,332 SH   SOLE   0 0 240,332
Vanguard World Fd Mega Growth ETF ETF 921910816 13,133 55,932 SH   SOLE   0 0 55,932
iShares S&P Mid-Cap 400 Value ETF 464287705 9,992 96,971 SH   SOLE   0 0 96,971
iShares S&P 500 Value ETF 464287408 9,630 66,223 SH   SOLE   0 0 66,223
iShares Edge MSCI Min Vol USA ETF 46429B697 9,209 125,293 SH   SOLE   0 0 125,293
Vanguard FTSE Developed Markets ETF 921943858 8,072 159,870 SH   SOLE   0 0 159,870
iShares Core S&P Total US Stk Mkt ETF 464287150 7,746 78,734 SH   SOLE   0 0 78,734
iShares Core Total USD Bond Mkt ETF 46434V613 7,470 140,301 SH   SOLE   0 0 140,301
iShares Core S&P Small-Cap ETF ETF 464287804 7,310 66,944 SH   SOLE   0 0 66,944
Vanguard FTSE Emerging Market ETF ETF 922042858 4,150 82,978 SH   SOLE   0 0 82,978
iShares S&P 500 Growth ETF 464287309 2,463 33,321 SH   SOLE   0 0 33,321
iShares 0-5 Inv Grade Corp Bd Fd ETF ETF 46434V100 2,345 45,372 SH   SOLE   0 0 45,372
Dimensional US Equity ETF ETF 25434V401 1,651 34,999 SH   SOLE   0 0 34,999
Apple COM 037833100 1,426 10,080 SH   SOLE   0 0 10,080
Vanguard Small-Cap ETF ETF 922908751 1,350 6,175 SH   SOLE   0 0 6,175
iShares Russell 3000 ETF 464287689 1,278 5,016 SH   SOLE   0 0 5,016
iShares Core MSCI Total Intl Stk ETF 46432F834 1,175 16,544 SH   SOLE   0 0 16,544
iShares Core MSCI EAFE ETF 46432F842 1,034 13,928 SH   SOLE   0 0 13,928
iShares Core MSCI Emer Mkt ETF 46434G103 977 15,813 SH   SOLE   0 0 15,813
iShares 5-10 Year Inv Grade Corp ETF 464288638 929 15,468 SH   SOLE   0 0 15,468
iShares National Muni Bond ETF ETF 464288414 873 7,517 SH   SOLE   0 0 7,517
SPDR S&P 500 ETF Trust ETF 78462F103 734 1,711 SH   SOLE   0 0 1,711
iShares iBonds Dec 2022 Term Muni Bd ETF 46435G755 648 24,746 SH   SOLE   0 0 24,746
iShares iBonds Dec 2021 Term Muni Bd ETF 46435G789 638 24,933 SH   SOLE   0 0 24,933
iShares iBonds Dec 2023 Term Muni Bd ETF 46435G318 532 20,455 SH   SOLE   0 0 20,455
Texas Instruments Inc COM 882508104 524 2,727 SH   SOLE   0 0 2,727
Northrup Grumman COM 666807102 506 1,405 SH   SOLE   0 0 1,405
iShares ESG MSCI USA ETF ETF 46435G425 482 4,894 SH   SOLE   0 0 4,894
iShares ESG U.S. Aggregate Bond ETF ETF 46435U549 423 7,672 SH   SOLE   0 0 7,672
Microsoft Corp COM 594918104 343 1,217 SH   SOLE   0 0 1,217
UnitedHealth Group COM 91324P102 316 809 SH   SOLE   0 0 809
Comcast Corp Class A COM 20030N101 315 5,626 SH   SOLE   0 0 5,626
iShares ESG MSCI USA Small-Cap ETF ETF 46435U663 312 8,008 SH   SOLE   0 0 8,008
Autodesk Inc COM 052769106 311 1,090 SH   SOLE   0 0 1,090
Old Dominion Freight Line Inc Ordinary Shares COM 679580100 299 1,044 SH   SOLE   0 0 1,044
Vanguard Interm-Term Corp Bd ETF ETF 92206C870 289 3,060 SH   SOLE   0 0 3,060
Johnson & Johnson COM 478160104 268 1,661 SH   SOLE   0 0 1,661
Invesco BulletShares 2022 Corp ETF 46138J882 268 12,436 SH   SOLE   0 0 12,436
Target Corp COM 87612E106 266 1,164 SH   SOLE   0 0 1,164
Cerner Corp COM 156782104 261 3,700 SH   SOLE   0 0 3,700
SPDR S&P 500 Fossil Fuel Rsrv Free ETF ETF 78468R796 254 2,393 SH   SOLE   0 0 2,393
Verizon Communications COM 92343V104 243 4,496 SH   SOLE   0 0 4,496
Vanguard Mid-Cap ETF ETF 922908629 232 978 SH   SOLE   0 0 978
Citrix Systems Inc COM 177376100 220 2,051 SH   SOLE   0 0 2,051
Kansas City Southern COM 485170302 217 800 SH   SOLE   0 0 800
American Express COM 025816109 213 1,269 SH   SOLE   0 0 1,269
iShares iBonds Dec 2024 Term Muni Bd ETF 46435U697 204 7,570 SH   SOLE   0 0 7,570