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
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 247,647 3,063,799 SH   SOLE   3,013,729 0 50,070
PGIM ETF TR ULTRA SHORT 69344A107 184,417 3,726,351 SH   SOLE   3,653,260 0 73,091
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 113,524 1,690,094 SH   SOLE   1,660,294 0 29,800
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 106,123 505,033 SH   SOLE   494,654 0 10,379
ISHARES TR NATIONAL MUN ETF 464288414 62,951 541,375 SH   SOLE   523,535 0 17,840
ISHARES TR CORE S&P500 ETF 464287200 50,021 104,869 SH   SOLE   100,451 0 4,418
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 37,773 331,870 SH   SOLE   331,870 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 29,911 117,473 SH   SOLE   114,854 0 2,619
VANGUARD WORLD FD ESG US STK ETF 921910733 24,150 274,776 SH   SOLE   274,587 0 189
ISHARES TR MSCI USA QLT FCT 46432F339 23,640 162,410 SH   SOLE   157,838 0 4,572
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 19,034 489,687 SH   SOLE   469,533 0 20,154
ISHARES TR MSCI INTL MULTFT 46434V274 16,599 575,970 SH   SOLE   560,872 0 15,098
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 15,333 517,647 SH   SOLE   490,542 0 27,105
VANGUARD WORLD FD ESG INTL STK ETF 921910725 14,154 228,217 SH   SOLE   228,068 0 149
ISHARES TR CORE MSCI EAFE 46432F842 14,052 188,265 SH   SOLE   188,265 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 13,310 129,976 SH   SOLE   129,976 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 13,275 88,309 SH   SOLE   85,230 0 3,079
ISHARES INC CORE MSCI EMKT 46434G103 11,671 194,967 SH   SOLE   194,967 0 0
ISHARES TR CORE US AGGBD ET 464287226 8,339 73,094 SH   SOLE   68,570 0 4,524
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,402 54,171 SH   SOLE   50,656 0 3,515
APPLE INC COM 037833100 2,772 15,608 SH   SOLE   15,608 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,681 54,206 SH   SOLE   54,206 0 0
MICROSOFT CORP COM 594918104 2,221 6,603 SH   SOLE   6,603 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 2,201 55,381 SH   SOLE   55,086 0 295
VANGUARD INDEX FDS GROWTH ETF 922908736 1,062 3,308 SH   SOLE   3,308 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 942 2,158 SH   SOLE   2,051 0 107
AMAZON COM INC COM 023135106 880 264 SH   SOLE   264 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 836 1,615 SH   SOLE   1,615 0 0
FIRSTSERVICE CORP NEW COM 33767E202 646 3,290 SH   SOLE   3,290 0 0
AVIENT CORPORATION COM 05368V106 591 10,557 SH   SOLE   10,557 0 0
SPDR GOLD TR GOLD SHS 78463V107 558 3,264 SH   SOLE   3,264 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 547 1,790 SH   SOLE   1,790 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 521 2,158 SH   SOLE   2,158 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 510 4,751 SH   SOLE   0 0 4,751
SPDR S&P 500 ETF TR TR UNIT 78462F103 473 995 SH   SOLE   995 0 0
JAMF HLDG CORP COM 47074L105 427 11,229 SH   SOLE   11,229 0 0
ISHARES TR CORE S&P SCP ETF 464287804 423 3,697 SH   SOLE   3,697 0 0
UNITEDHEALTH GROUP INC COM 91324P102 411 819 SH   SOLE   819 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 390 1,532 SH   SOLE   1,532 0 0
META PLATFORMS INC CL A 30303M102 378 1,125 SH   SOLE   1,125 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 331 2,933 SH   SOLE   2,933 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 324 6,420 SH   SOLE   6,420 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 322 1,918 SH   SOLE   1,918 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 322 2,870 SH   SOLE   2,870 0 0
PEPSICO INC COM 713448108 314 1,806 SH   SOLE   1,806 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 303 1,364 SH   SOLE   1,364 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 291 800 SH   SOLE   800 0 0
MASTERCARD INCORPORATED CL A 57636Q104 288 801 SH   SOLE   801 0 0
ECOLAB INC COM 278865100 282 1,200 SH   SOLE   1,200 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 278 5,450 SH   SOLE   5,450 0 0
NVIDIA CORPORATION COM 67066G104 266 904 SH   SOLE   904 0 0
PROGRESSIVE CORP COM 743315103 258 2,514 SH   SOLE   2,514 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 255 9,934 SH   SOLE   9,934 0 0
ILLINOIS TOOL WKS INC COM 452308109 251 1,018 SH   SOLE   1,018 0 0
HOME DEPOT INC COM 437076102 242 583 SH   SOLE   583 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 239 600 SH   SOLE   600 0 0
XCEL ENERGY INC COM 98389B100 237 3,507 SH   SOLE   3,507 0 0
JOHNSON & JOHNSON COM 478160104 234 1,369 SH   SOLE   1,369 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 231 4,291 SH   SOLE   4,291 0 0
ANTHEM INC COM 036752103 225 485 SH   SOLE   485 0 0
CINTAS CORP COM 172908105 222 500 SH   SOLE   500 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 219 2,612 SH   SOLE   2,612 0 0