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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADOBE INC COM 00724F101   460,700 913 SH   SOLE 0 0 0 913
ALPHABET INC CAP STK CL A 02079K305   328,273 2,175 SH   SOLE 0 0 0 2,175
ALPHABET INC CAP STK CL C 02079K107   240,571 1,580 SH   SOLE 0 0 0 1,580
AMPHENOL CORP NEW CL A 032095101   340,744 2,954 SH   SOLE 0 0 0 2,954
ANALOG DEVICES INC COM 032654105   1,121,074 5,668 SH   SOLE 0 0 0 5,668
APPLE INC COM 037833100   1,001,163 5,838 SH   SOLE 0 0 0 5,838
AUTOMATIC DATA PROCESSING IN COM 053015103   208,049 833 SH   SOLE 0 0 0 833
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,547,514 3,680 SH   SOLE 0 0 0 3,680
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   4,427,493 77,121 SH   SOLE 0 0 0 77,121
BLACKROCK ETF TRUST WORLD EX US CARB 09290C608   793,823 17,380 SH   SOLE 0 0 0 17,380
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   9,765,114 219,935 SH   SOLE 0 0 0 219,935
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   3,271,091 62,354 SH   SOLE 0 0 0 62,354
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   513,183 7,004 SH   SOLE 0 0 0 7,004
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300   1,208,553 44,695 SH   SOLE 0 0 0 44,695
CDW CORP COM 12514G108   322,027 1,259 SH   SOLE 0 0 0 1,259
CHEVRON CORP NEW COM 166764100   245,286 1,555 SH   SOLE 0 0 0 1,555
COSTCO WHSL CORP NEW COM 22160K105   345,186 471 SH   SOLE 0 0 0 471
DBX ETF TR XTRACK MSCI EAFE 233051200   908,482 22,196 SH   SOLE 0 0 0 22,196
DELL TECHNOLOGIES INC CL C 24703L202   313,917 2,751 SH   SOLE 0 0 0 2,751
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   366,743 6,436 SH   SOLE 0 0 0 6,436
EXXON MOBIL CORP COM 30231G102   273,611 2,354 SH   SOLE 0 0 0 2,354
GLOBAL X FDS ADAPTIVE US 37954Y574   3,257,053 79,693 SH   SOLE 0 0 0 79,693
GLOBAL X FDS S&P 500 QLT ETF 37954Y616   429,653 12,384 SH   SOLE 0 0 0 12,384
GLOBAL X FDS US INFR DEV ETF 37954Y673   9,712,350 243,968 SH   SOLE 0 0 0 243,968
GLOBAL X FDS DEFENSE TECH ETF 37960A529   1,014,998 30,575 SH   SOLE 0 0 0 30,575
HOME DEPOT INC COM 437076102   746,207 1,945 SH   SOLE 0 0 0 1,945
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   7,834,250 42,883 SH   SOLE 0 0 0 42,883
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,388,295 14,101 SH   SOLE 0 0 0 14,101
INVESCO QQQ TR UNIT SER 1 46090E103   753,013 1,696 SH   SOLE 0 0 0 1,696
ISHARES INC MSCI EMRG CHN 46434G764   2,539,701 44,115 SH   SOLE 0 0 0 44,115
ISHARES INC MSCI EQUAL WEITE 464286681   1,414,440 15,545 SH   SOLE 0 0 0 15,545
ISHARES INC ESG AWR MSCI EM 46434G863   680,472 21,113 SH   SOLE 0 0 0 21,113
ISHARES INC CORE MSCI EMKT 46434G103   7,404,445 143,497 SH   SOLE 0 0 0 143,497
ISHARES TR ESG ADV TTL USD 46436E619   1,356,152 31,664 SH   SOLE 0 0 0 31,664
ISHARES TR S&P 100 ETF 464287101   316,190 1,278 SH   SOLE 0 0 0 1,278
ISHARES TR GLOBAL ENERG ETF 464287341   2,970,508 69,162 SH   SOLE 0 0 0 69,162
ISHARES TR US TREAS BD ETF 46429B267   2,471,501 108,542 SH   SOLE 0 0 0 108,542
ISHARES TR TRS FLT RT BD 46434V860   8,219,181 162,146 SH   SOLE 0 0 0 162,146
ISHARES TR ESG AWR MSCI USA 46435G425   23,652,106 205,742 SH   SOLE 0 0 0 205,742
ISHARES TR CORE US AGGBD ET 464287226   332,996 3,400 SH   SOLE 0 0 0 3,400
ISHARES TR IBOXX INV CP ETF 464287242   3,297,880 30,278 SH   SOLE 0 0 0 30,278
ISHARES TR RUS 1000 VAL ETF 464287598   903,431 5,044 SH   SOLE 0 0 0 5,044
ISHARES TR ESG EAFE ETF 46436E759   1,441,767 21,162 SH   SOLE 0 0 0 21,162
ISHARES TR CORE TOTAL USD 46434V613   67,303,345 1,476,274 SH   SOLE 0 0 0 1,476,274
ISHARES TR CORE MSCI TOTAL 46432F834   412,385 6,077 SH   SOLE 0 0 0 6,077
ISHARES TR U.S. TECH ETF 464287721   9,028,626 66,849 SH   SOLE 0 0 0 66,849
ISHARES TR JPMORGAN USD EMG 464288281   2,296,362 25,609 SH   SOLE 0 0 0 25,609
ISHARES TR ESG AWR US AGRGT 46435U549   2,656,260 56,444 SH   SOLE 0 0 0 56,444
ISHARES TR U.S. MED DVC ETF 464288810   825,240 14,085 SH   SOLE 0 0 0 14,085
ISHARES TR MSCI KLD400 SOC 464288570   3,114,694 30,897 SH   SOLE 0 0 0 30,897
ISHARES TR TIPS BD ETF 464287176   1,000,444 9,314 SH   SOLE 0 0 0 9,314
ISHARES TR NATIONAL MUN ETF 464288414   3,143,642 29,216 SH   SOLE 0 0 0 29,216
ISHARES TR HDG MSCI EAFE 46434V803   255,984 7,339 SH   SOLE 0 0 0 7,339
ISHARES TR ESG MSCI USA ETF 46436E767   2,629,976 58,250 SH   SOLE 0 0 0 58,250
ISHARES TR COHEN STEER REIT 464287564   457,042 7,921 SH   SOLE 0 0 0 7,921
ISHARES TR MSCI USA QLT FCT 46432F339   35,252,216 214,495 SH   SOLE 0 0 0 214,495
ISHARES TR MBS ETF 464288588   15,511,183 167,834 SH   SOLE 0 0 0 167,834
ISHARES TR S&P 500 VAL ETF 464287408   13,174,028 70,521 SH   SOLE 0 0 0 70,521
ISHARES TR ESG AWRE USD ETF 46435G193   2,796,980 121,661 SH   SOLE 0 0 0 121,661
ISHARES TR RUS MD CP GR ETF 464287481   621,150 5,442 SH   SOLE 0 0 0 5,442
ISHARES TR 20 YR TR BD ETF 464287432   11,119,648 117,519 SH   SOLE 0 0 0 117,519
ISHARES TR EAFE VALUE ETF 464288877   21,967,851 403,821 SH   SOLE 0 0 0 403,821
ISHARES TR CORE S&P500 ETF 464287200   153,341,456 291,673 SH   SOLE 0 0 0 291,673
ISHARES TR S&P 500 GRWT ETF 464287309   429,655 5,088 SH   SOLE 0 0 0 5,088
ISHARES TR MSCI ACWI ETF 464288257   4,530,087 41,134 SH   SOLE 0 0 0 41,134
ISHARES TR RUS 1000 ETF 464287622   1,665,389 5,782 SH   SOLE 0 0 0 5,782
ISHARES TR RUS 1000 GRW ETF 464287614   3,070,188 9,109 SH   SOLE 0 0 0 9,109
ISHARES TR CORE S&P MCP ETF 464287507   742,151 12,218 SH   SOLE 0 0 0 12,218
ISHARES TR RUSSELL 2000 ETF 464287655   1,342,766 6,385 SH   SOLE 0 0 0 6,385
ISHARES TR CORE MSCI EAFE 46432F842   200,320 2,699 SH   SOLE 0 0 0 2,699
ISHARES TR US INFRASTRUC 46435U713   2,793,338 64,422 SH   SOLE 0 0 0 64,422
ISHARES TR GLOBAL TECH ETF 464287291   1,890,075 25,265 SH   SOLE 0 0 0 25,265
ISHARES TR EAFE GRWTH ETF 464288885   14,855,422 143,130 SH   SOLE 0 0 0 143,130
ISHARES U S ETF TR INT RT HDG C B 46431W705   1,469,751 15,629 SH   SOLE 0 0 0 15,629
ISHARES U S ETF TR IT RT HDG HGYL 46431W606   1,457,702 17,004 SH   SOLE 0 0 0 17,004
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   674,864 12,627 SH   SOLE 0 0 0 12,627
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   3,705,711 70,091 SH   SOLE 0 0 0 70,091
J P MORGAN EXCHANGE TRADED F USD EMRNG MKT 46641Q746   701,098 17,850 SH   SOLE 0 0 0 17,850
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   11,209,848 244,383 SH   SOLE 0 0 0 244,383
JOHNSON & JOHNSON COM 478160104   292,335 1,848 SH   SOLE 0 0 0 1,848
KRANESHARES TRUST MSCI EMG EX CH 500767769   883,591 30,121 SH   SOLE 0 0 0 30,121
LOWES COS INC COM 548661107   268,740 1,055 SH   SOLE 0 0 0 1,055
MICROSOFT CORP COM 594918104   2,796,172 6,646 SH   SOLE 0 0 0 6,646
MOODYS CORP COM 615369105   211,450 538 SH   SOLE 0 0 0 538
PACER FDS TR PACER US SMALL 69374H857   11,910,791 242,286 SH   SOLE 0 0 0 242,286
PACER FDS TR GLOBL CASH ETF 69374H709   11,042,603 318,231 SH   SOLE 0 0 0 318,231
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   287,544 3,076 SH   SOLE 0 0 0 3,076
PROCTER AND GAMBLE CO COM 742718109   217,577 1,341 SH   SOLE 0 0 0 1,341
QUANTA SVCS INC COM 74762E102   741,989 2,856 SH   SOLE 0 0 0 2,856
READY CAPITAL CORP COM 75574U101   148,070 16,218 SH   SOLE 0 0 0 16,218
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,271,869 25,830 SH   SOLE 0 0 0 25,830
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,811,713 144,336 SH   SOLE 0 0 0 144,336
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   366,059 3,948 SH   SOLE 0 0 0 3,948
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   280,593 7,191 SH   SOLE 0 0 0 7,191
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   429,062 17,686 SH   SOLE 0 0 0 17,686
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   898,024 11,138 SH   SOLE 0 0 0 11,138
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,027,570 64,898 SH   SOLE 0 0 0 64,898
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,637,394 20,108 SH   SOLE 0 0 0 20,108
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,800,190 13,445 SH   SOLE 0 0 0 13,445
SELECT SECTOR SPDR TR ENERGY 81369Y506   245,253 2,598 SH   SOLE 0 0 0 2,598
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   5,452,118 191,976 SH   SOLE 0 0 0 191,976
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,161,355 4,132 SH   SOLE 0 0 0 4,132
SPDR SER TR PORTFLI TIPS ETF 78464A656   208,444 8,136 SH   SOLE 0 0 0 8,136
SPDR SER TR PORT MTG BK ETF 78464A383   2,964,737 136,498 SH   SOLE 0 0 0 136,498
SPDR SER TR NUVEEN BLMBRG SH 78468R739   315,002 6,640 SH   SOLE 0 0 0 6,640
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,321,635 31,738 SH   SOLE 0 0 0 31,738
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,202,091 63,914 SH   SOLE 0 0 0 63,914
STRYKER CORPORATION COM 863667101   211,143 590 SH   SOLE 0 0 0 590
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   4,809,412 159,094 SH   SOLE 0 0 0 159,094
THERMO FISHER SCIENTIFIC INC COM 883556102   333,033 573 SH   SOLE 0 0 0 573
UNITEDHEALTH GROUP INC COM 91324P102   295,121 597 SH   SOLE 0 0 0 597
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   15,279,338 31,786 SH   SOLE 0 0 0 31,786
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,336,146 5,141 SH   SOLE 0 0 0 5,141
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,272,900 29,619 SH   SOLE 0 0 0 29,619
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   1,452,091 24,512 SH   SOLE 0 0 0 24,512
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   362,872 4,736 SH   SOLE 0 0 0 4,736
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   281,040 4,800 SH   SOLE 0 0 0 4,800
VANGUARD WORLD FD MEGA GRWTH IND 921910816   5,202,258 18,151 SH   SOLE 0 0 0 18,151
VANGUARD WORLD FD ENERGY ETF 92204A306   458,053 3,478 SH   SOLE 0 0 0 3,478
VERISK ANALYTICS INC COM 92345Y106   216,872 920 SH   SOLE 0 0 0 920
WISDOMTREE TR INTL QULTY DIV 97717X131   2,087,895 54,858 SH   SOLE 0 0 0 54,858
ZOETIS INC CL A 98978V103   222,850 1,317 SH   SOLE 0 0 0 1,317