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
3M CO COM 88579Y101 561 2,914 SH   SOLE   2,914 0 0
ABBOTT LABS COM 002824100 255 2,132 SH   SOLE   2,132 0 0
ABERDEEN ASIA-PACIFIC INCOME COM 003009107 123 30,000 SH   SOLE   0 0 30,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 232 839 SH   SOLE   839 0 0
ALPHABET INC CAP STK CL C 02079K107 420 203 SH   SOLE   183 0 20
ALPHABET INC CAP STK CL A 02079K305 208 101 SH   SOLE   36 0 65
AMAZON COM INC COM 023135106 1,485 480 SH   SOLE   402 0 78
AMERICAN EXPRESS CO COM 025816109 338 2,393 SH   SOLE   2,393 0 0
AMERICAN TOWER CORP NEW COM 03027X100 572 2,394 SH   SOLE   2,384 0 10
APPLE INC COM 037833100 6,614 54,149 SH   SOLE   52,306 0 1,843
ARK ETF TR INNOVATION ETF 00214Q104 18,251 152,159 SH   SOLE   142,044 0 10,115
AT&T INC COM 00206R102 260 8,604 SH   SOLE   7,700 0 904
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,037 7,972 SH   SOLE   6,937 0 1,035
BOEING CO COM 097023105 242 950 SH   SOLE   880 0 70
CATERPILLAR INC COM 149123101 424 1,828 SH   SOLE   1,828 0 0
CHUBB LIMITED COM H1467J104 2,310 14,624 SH   SOLE   221 0 14,403
CISCO SYS INC COM 17275R102 335 6,484 SH   SOLE   6,409 0 75
DANAHER CORPORATION COM 235851102 718 3,190 SH   SOLE   3,190 0 0
DEERE & CO COM 244199105 374 1,000 SH   SOLE   1,000 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 266 5,515 SH   SOLE   5,355 0 160
DISNEY WALT CO COM 254687106 545 2,954 SH   SOLE   1,894 0 1,060
ENBRIDGE INC COM 29250N105 237 6,513 SH   SOLE   6,513 0 0
EXXON MOBIL CORP COM 30231G102 256 4,588 SH   SOLE   3,788 0 800
FACEBOOK INC CL A 30303M102 692 2,351 SH   SOLE   2,351 0 0
FLEXSHARES TR QLT DIV DEF IDX 33939L845 2,850 55,725 SH   SOLE   42,675 0 13,050
FLEXSHARES TR HIG YLD VL ETF 33939L662 944 19,053 SH   SOLE   12,928 0 6,125
FLEXSHARES TR INTL QLTDV DEF 33939L811 718 30,200 SH   SOLE   26,400 0 3,800
FREEPORT-MCMORAN INC CL B 35671D857 329 10,000 SH   SOLE   0 0 10,000
GENERAL ELECTRIC CO COM 369604103 147 11,222 SH   SOLE   11,222 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 255 781 SH   SOLE   781 0 0
INTEL CORP COM 458140100 1,481 23,143 SH   SOLE   22,607 0 536
INTUIT COM 461202103 1,214 3,168 SH   SOLE   3,168 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 8,041 56,766 SH   SOLE   53,138 0 3,628
INVESCO QQQ TR UNIT SER 1 46090E103 1,137 3,564 SH   SOLE   3,183 0 381
ISHARES INC ESG AWR MSCI EM 46434G863 630 14,546 SH   SOLE   13,479 0 1,067
ISHARES TR EXPONENTIAL TECH 46434V381 3,588 60,592 SH   SOLE   59,419 0 1,173
ISHARES TR ESG AWR MSCI USA 46435G425 1,806 19,873 SH   SOLE   16,323 0 3,550
ISHARES TR S&P 500 GRWT ETF 464287309 1,039 15,952 SH   SOLE   15,952 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 677 8,915 SH   SOLE   7,520 0 1,395
ISHARES TR RUS 1000 GRW ETF 464287614 628 2,582 SH   SOLE   2,582 0 0
ISHARES TR RUS MID CAP ETF 464287499 607 8,208 SH   SOLE   8,208 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 527 2,383 SH   SOLE   1,840 0 543
ISHARES TR CORE S&P500 ETF 464287200 511 1,284 SH   SOLE   1,284 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 443 8,297 SH   SOLE   6,847 0 1,450
ISHARES TR ESG AWRE 1 5 YR 46435G243 396 15,244 SH   SOLE   13,351 0 1,893
ISHARES TR ESG AWR US AGRGT 46435U549 385 7,037 SH   SOLE   4,804 0 2,233
ISHARES TR CORE S&P MCP ETF 464287507 312 1,199 SH   SOLE   1,199 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 307 2,364 SH   SOLE   0 0 2,364
ISHARES TR TIPS BD ETF 464287176 296 2,356 SH   SOLE   2,156 0 200
ISHARES TR MSCI EAFE ETF 464287465 278 3,658 SH   SOLE   3,623 0 35
ISHARES TR RUS 1000 VAL ETF 464287598 277 1,827 SH   SOLE   1,719 0 108
ISHARES TR US HLTHCARE ETF 464287762 246 975 SH   SOLE   975 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 245 1,539 SH   SOLE   1,539 0 0
ISHARES TR RUS MD CP GR ETF 464287481 242 2,370 SH   SOLE   2,370 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 237 788 SH   SOLE   788 0 0
ISHARES TR CRE U S REIT ETF 464288521 234 4,467 SH   SOLE   3,925 0 542
ISHARES TR RUSSELL 3000 ETF 464287689 224 943 SH   SOLE   943 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 72,709 1,432,552 SH   SOLE   1,357,972 0 74,580
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 20,832 552,320 SH   SOLE   521,087 0 31,233
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 583 11,431 SH   SOLE   4,603 0 6,828
JOHNSON & JOHNSON COM 478160104 566 3,442 SH   SOLE   1,863 0 1,579
JPMORGAN CHASE & CO COM 46625H100 990 6,504 SH   SOLE   6,082 0 422
LINDE PLC SHS G5494J103 615 2,195 SH   SOLE   2,195 0 0
MARSH & MCLENNAN COS INC COM 571748102 389 3,190 SH   SOLE   3,190 0 0
MASTERCARD INCORPORATED CL A 57636Q104 608 1,708 SH   SOLE   1,608 0 100
MCDONALDS CORP COM 580135101 231 1,031 SH   SOLE   1,031 0 0
MICROSOFT CORP COM 594918104 3,270 13,868 SH   SOLE   12,805 0 1,063
NEXTERA ENERGY INC COM 65339F101 422 5,584 SH   SOLE   5,584 0 0
NORFOLK SOUTHN CORP COM 655844108 419 1,560 SH   SOLE   1,560 0 0
ORACLE CORP COM 68389X105 228 3,255 SH   SOLE   2,895 0 360
PROCTER AND GAMBLE CO COM 742718109 636 4,693 SH   SOLE   4,017 0 676
RAYTHEON TECHNOLOGIES CORP COM 75513E101 321 4,151 SH   SOLE   4,151 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,413 45,629 SH   SOLE   45,391 0 238
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,009 48,886 SH   SOLE   35,688 0 13,198
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,439 38,263 SH   SOLE   38,173 0 90
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 863 27,153 SH   SOLE   26,990 0 163
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 726 14,159 SH   SOLE   14,159 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 571 10,577 SH   SOLE   10,455 0 122
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 491 8,699 SH   SOLE   8,699 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 468 11,868 SH   SOLE   11,868 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 229 6,103 SH   SOLE   0 0 6,103
SHOPIFY INC CL A 82509L107 271 245 SH   SOLE   215 0 30
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,956 22,597 SH   SOLE   21,559 0 1,038
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 418 878 SH   SOLE   678 0 200
SPDR SER TR S&P DIVID ETF 78464A763 786 6,663 SH   SOLE   0 0 6,663
SPDR SER TR PORTFOLIO AGRGTE 78464A649 235 7,934 SH   SOLE   7,851 0 83
STARBUCKS CORP COM 855244109 457 4,181 SH   SOLE   2,461 0 1,720
TESLA INC COM 88160R101 814 1,219 SH   SOLE   1,219 0 0
TEXAS INSTRS INC COM 882508104 427 2,260 SH   SOLE   2,260 0 0
UNION PAC CORP COM 907818108 731 3,317 SH   SOLE   3,045 0 272
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,949 35,878 SH   SOLE   33,386 0 2,492
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,947 34,786 SH   SOLE   33,932 0 854
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,110 12,505 SH   SOLE   8,281 0 4,224
VANGUARD INDEX FDS TOTAL STK MKT 922908769 36,384 176,030 SH   SOLE   169,314 0 6,716
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 17,845 194,266 SH   SOLE   187,206 0 7,060
VANGUARD INDEX FDS MID CAP ETF 922908629 5,774 26,087 SH   SOLE   24,508 0 1,579
VANGUARD INDEX FDS GROWTH ETF 922908736 3,110 12,100 SH   SOLE   11,698 0 402
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,191 5,563 SH   SOLE   5,156 0 407
VANGUARD INDEX FDS LARGE CAP ETF 922908637 795 4,291 SH   SOLE   4,291 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 369 2,808 SH   SOLE   1,729 0 1,079
VANGUARD INDEX FDS SML CP GRW ETF 922908595 218 794 SH   SOLE   794 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,186 157,267 SH   SOLE   133,822 0 23,445
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,575 30,552 SH   SOLE   30,122 0 430
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,028 326,362 SH   SOLE   319,419 0 6,943
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 902 8,925 SH   SOLE   2,686 0 6,239
VERIZON COMMUNICATIONS INC COM 92343V104 318 5,464 SH   SOLE   5,464 0 0
VIACOMCBS INC CL B 92556H206 226 5,000 SH   SOLE   5,000 0 0
VISA INC COM CL A 92826C839 640 3,021 SH   SOLE   2,721 0 300
WALMART INC COM 931142103 907 6,678 SH   SOLE   6,178 0 500
WELLS FARGO CO NEW COM 949746101 212 5,421 SH   SOLE   71 0 5,350