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 511 2,914 SH   SOLE   2,914 0 0
ABBOTT LABS COM 002824100 252 2,132 SH   SOLE   1,132 0 1,000
ABERDEEN ASIA-PACIFIC INCOME COM 003009107 125 30,000 SH   SOLE   0 0 30,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 290 905 SH   SOLE   839 0 66
ALPHABET INC CAP STK CL C 02079K107 541 203 SH   SOLE   183 0 20
ALPHABET INC CAP STK CL A 02079K305 315 118 SH   SOLE   36 0 82
AMAZON COM INC COM 023135106 1,797 547 SH   SOLE   403 0 144
AMERICAN EXPRESS CO COM 025816109 411 2,453 SH   SOLE   2,393 0 60
AMERICAN TOWER CORP NEW COM 03027X100 633 2,384 SH   SOLE   2,384 0 0
APPLE INC COM 037833100 8,007 56,587 SH   SOLE   52,199 0 4,388
ARK ETF TR INNOVATION ETF 00214Q104 16,229 146,829 SH   SOLE   134,879 0 11,950
AT&T INC COM 00206R102 239 8,842 SH   SOLE   7,426 0 1,416
BANK MONTREAL QUE COM 063671101 221 2,220 SH   SOLE   2,220 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,176 7,972 SH   SOLE   6,937 0 1,035
BOEING CO COM 097023105 209 950 SH   SOLE   880 0 70
CATERPILLAR INC COM 149123101 351 1,828 SH   SOLE   1,828 0 0
CHUBB LIMITED COM H1467J104 1,881 10,844 SH   SOLE   221 0 10,623
CISCO SYS INC COM 17275R102 353 6,484 SH   SOLE   6,409 0 75
DANAHER CORPORATION COM 235851102 971 3,190 SH   SOLE   3,190 0 0
DEERE & CO COM 244199105 335 1,000 SH   SOLE   1,000 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 233 5,465 SH   SOLE   5,305 0 160
DISNEY WALT CO COM 254687106 501 2,960 SH   SOLE   1,888 0 1,072
ENBRIDGE INC COM 29250N105 259 6,513 SH   SOLE   6,513 0 0
EXXON MOBIL CORP COM 30231G102 289 4,919 SH   SOLE   2,998 0 1,921
FACEBOOK INC CL A 30303M102 798 2,351 SH   SOLE   2,351 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662 10,001 200,656 SH   SOLE   172,559 0 28,097
FLEXSHARES TR QLT DIV DEF IDX 33939L845 2,962 55,725 SH   SOLE   42,675 0 13,050
FLEXSHARES TR STOXX GLOBR INF 33939L795 1,230 22,056 SH   SOLE   17,542 0 4,514
FLEXSHARES TR INTL QLTDV DEF 33939L811 956 40,840 SH   SOLE   37,040 0 3,800
FORD MTR CO DEL COM 345370860 154 10,885 SH   SOLE   8,453 0 2,432
FREEPORT-MCMORAN INC CL B 35671D857 211 6,489 SH   SOLE   1,489 0 5,000
GOLDMAN SACHS GROUP INC COM 38141G104 315 832 SH   SOLE   781 0 51
INTEL CORP COM 458140100 1,167 21,898 SH   SOLE   21,362 0 536
INTUIT COM 461202103 1,709 3,168 SH   SOLE   3,168 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 8,507 56,785 SH   SOLE   53,680 0 3,105
INVESCO QQQ TR UNIT SER 1 46090E103 1,383 3,864 SH   SOLE   3,183 0 681
ISHARES INC ESG AWR MSCI EM 46434G863 603 14,546 SH   SOLE   13,479 0 1,067
ISHARES TR EXPONENTIAL TECH 46434V381 3,868 61,645 SH   SOLE   60,442 0 1,203
ISHARES TR ESG AWR MSCI USA 46435G425 1,691 17,173 SH   SOLE   13,623 0 3,550
ISHARES TR S&P 500 GRWT ETF 464287309 1,170 15,828 SH   SOLE   15,828 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 708 2,582 SH   SOLE   2,582 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 699 8,915 SH   SOLE   7,520 0 1,395
ISHARES TR RUS MID CAP ETF 464287499 642 8,208 SH   SOLE   8,208 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 510 2,333 SH   SOLE   1,807 0 526
ISHARES TR CORE S&P500 ETF 464287200 505 1,172 SH   SOLE   1,172 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 385 6,977 SH   SOLE   4,744 0 2,233
ISHARES TR MSCI EMG MKT ETF 464287234 356 7,069 SH   SOLE   7,000 0 69
ISHARES TR 3 7 YR TREAS BD 464288661 308 2,364 SH   SOLE   0 0 2,364
ISHARES TR TIPS BD ETF 464287176 301 2,356 SH   SOLE   2,156 0 200
ISHARES TR RUS 1000 VAL ETF 464287598 286 1,827 SH   SOLE   1,719 0 108
ISHARES TR MSCI EAFE ETF 464287465 285 3,656 SH   SOLE   3,273 0 383
ISHARES TR US HLTHCARE ETF 464287762 269 975 SH   SOLE   975 0 0
ISHARES TR RUS MD CP GR ETF 464287481 266 2,370 SH   SOLE   2,370 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 253 9,744 SH   SOLE   7,851 0 1,893
ISHARES TR RUS 2000 VAL ETF 464287630 247 1,539 SH   SOLE   1,539 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 244 958 SH   SOLE   958 0 0
ISHARES TR CORE S&P MCP ETF 464287507 240 914 SH   SOLE   914 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 230 782 SH   SOLE   782 0 0
ISHARES TR CRE U S REIT ETF 464288521 222 3,780 SH   SOLE   3,238 0 542
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 70,855 1,396,978 SH   SOLE   1,309,353 0 87,625
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 21,488 524,983 SH   SOLE   480,375 0 44,608
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 584 11,431 SH   SOLE   4,603 0 6,828
JOHNSON & JOHNSON COM 478160104 569 3,523 SH   SOLE   1,863 0 1,660
JPMORGAN CHASE & CO COM 46625H100 1,085 6,625 SH   SOLE   6,082 0 543
LINDE PLC SHS G5494J103 644 2,195 SH   SOLE   2,195 0 0
LOWES COS INC COM 548661107 203 1,000 SH   SOLE   1,000 0 0
MARSH & MCLENNAN COS INC COM 571748102 483 3,190 SH   SOLE   3,190 0 0
MASTERCARD INCORPORATED CL A 57636Q104 571 1,642 SH   SOLE   1,542 0 100
MCDONALDS CORP COM 580135101 249 1,031 SH   SOLE   1,031 0 0
MICROSOFT CORP COM 594918104 3,800 13,480 SH   SOLE   12,257 0 1,223
MORGAN STANLEY COM NEW 617446448 237 2,433 SH   SOLE   2,433 0 0
NEXTERA ENERGY INC COM 65339F101 438 5,584 SH   SOLE   5,584 0 0
NORFOLK SOUTHN CORP COM 655844108 412 1,721 SH   SOLE   1,560 0 161
NOVO-NORDISK A S ADR 670100205 246 2,565 SH   SOLE   2,565 0 0
ORACLE CORP COM 68389X105 301 3,455 SH   SOLE   2,895 0 560
PROCTER AND GAMBLE CO COM 742718109 656 4,693 SH   SOLE   2,674 0 2,019
RAYTHEON TECHNOLOGIES CORP COM 75513E101 357 4,151 SH   SOLE   4,151 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,413 42,492 SH   SOLE   42,257 0 235
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,193 47,997 SH   SOLE   34,736 0 13,261
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,300 33,589 SH   SOLE   33,493 0 96
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 737 24,188 SH   SOLE   24,018 0 170
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 687 13,428 SH   SOLE   13,414 0 14
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 567 10,456 SH   SOLE   10,321 0 135
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 494 8,712 SH   SOLE   8,712 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 493 11,868 SH   SOLE   11,868 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 236 6,103 SH   SOLE   0 0 6,103
SHOPIFY INC CL A 82509L107 319 235 SH   SOLE   215 0 20
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,580 22,323 SH   SOLE   21,284 0 1,039
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 420 873 SH   SOLE   672 0 201
SPDR SER TR S&P DIVID ETF 78464A763 783 6,663 SH   SOLE   0 0 6,663
SPDR SER TR NYSE TECH ETF 78464A102 203 1,298 SH   SOLE   1,298 0 0
STARBUCKS CORP COM 855244109 351 3,181 SH   SOLE   2,461 0 720
TESLA INC COM 88160R101 978 1,261 SH   SOLE   1,261 0 0
TEXAS INSTRS INC COM 882508104 468 2,434 SH   SOLE   2,260 0 174
UNION PAC CORP COM 907818108 651 3,320 SH   SOLE   3,045 0 275
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,099 36,266 SH   SOLE   33,303 0 2,963
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,517 30,721 SH   SOLE   28,303 0 2,418
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,035 11,568 SH   SOLE   7,421 0 4,147
VANGUARD INDEX FDS TOTAL STK MKT 922908769 37,540 169,052 SH   SOLE   160,018 0 9,034
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 20,033 196,827 SH   SOLE   186,906 0 9,921
VANGUARD INDEX FDS MID CAP ETF 922908629 5,713 24,131 SH   SOLE   22,777 0 1,354
VANGUARD INDEX FDS GROWTH ETF 922908736 3,169 10,920 SH   SOLE   10,576 0 344
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,129 5,162 SH   SOLE   4,468 0 694
VANGUARD INDEX FDS LARGE CAP ETF 922908637 862 4,291 SH   SOLE   4,291 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 349 2,576 SH   SOLE   1,494 0 1,082
VANGUARD INDEX FDS SML CP GRW ETF 922908595 222 794 SH   SOLE   794 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,416 168,287 SH   SOLE   144,028 0 24,259
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,122 40,365 SH   SOLE   40,365 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,355 323,933 SH   SOLE   315,446 0 8,487
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 907 8,774 SH   SOLE   2,535 0 6,239
VERIZON COMMUNICATIONS INC COM 92343V104 294 5,439 SH   SOLE   5,377 0 62
VISA INC COM CL A 92826C839 667 2,996 SH   SOLE   2,721 0 275
WALMART INC COM 931142103 873 6,265 SH   SOLE   5,765 0 500
WELLS FARGO CO NEW COM 949746101 252 5,421 SH   SOLE   71 0 5,350