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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
3M CO COM 88579Y101   321,745 2,683 SH   SOLE   0 0 2,683
ABBOTT LABS COM 002824100   255,920 2,331 SH   SOLE   0 0 2,331
ABBVIE INC COM 00287Y109   212,356 1,314 SH   SOLE   0 0 1,314
ABRDN ASIA PACIFIC INCOME FU COM 003009107   78,900 30,000 SH   SOLE   0 0 30,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   243,903 914 SH   SOLE   0 0 914
ALPHABET INC CAP STK CL A 02079K305   675,842 7,660 SH   SOLE   0 0 7,660
ALPHABET INC CAP STK CL C 02079K107   433,890 4,890 SH   SOLE   0 0 4,890
AMAZON COM INC COM 023135106   1,484,700 17,675 SH   SOLE   0 0 17,675
AMERICAN CENTY ETF TR US EQT ETF 025072885   1,328,507 19,534 SH   SOLE   0 0 19,534
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   624,571 12,380 SH   SOLE   0 0 12,380
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   236,536 4,447 SH   SOLE   0 0 4,447
AMERICAN EXPRESS CO COM 025816109   353,566 2,393 SH   SOLE   0 0 2,393
AMERICAN TOWER CORP NEW COM 03027X100   420,330 1,984 SH   SOLE   0 0 1,984
APPLE INC COM 037833100   7,483,124 57,594 SH   SOLE   0 0 57,594
AT&T INC COM 00206R102   187,668 10,194 SH   SOLE   0 0 10,194
BANK MONTREAL QUE COM 063671101   201,132 2,220 SH   SOLE   0 0 2,220
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,826,126 9,149 SH   SOLE   0 0 9,149
CATERPILLAR INC COM 149123101   449,894 1,878 SH   SOLE   0 0 1,878
CHUBB LIMITED COM H1467J104   1,633,984 7,407 SH   SOLE   0 0 7,407
CISCO SYS INC COM 17275R102   284,649 5,975 SH   SOLE   0 0 5,975
COSTCO WHSL CORP NEW COM 22160K105   433,273 949 SH   SOLE   0 0 949
DANAHER CORPORATION COM 235851102   845,430 3,185 SH   SOLE   0 0 3,185
DEERE & CO COM 244199105   428,760 1,000 SH   SOLE   0 0 1,000
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   7,005,796 291,787 SH   SOLE   0 0 291,787
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   229,767 9,176 SH   SOLE   0 0 9,176
DISCOVER FINL SVCS COM 254709108   222,886 2,278 SH   SOLE   0 0 2,278
ENBRIDGE INC COM 29250N105   265,645 6,794 SH   SOLE   0 0 6,794
EXXON MOBIL CORP COM 30231G102   736,792 6,680 SH   SOLE   0 0 6,680
FLEXSHARES TR HIG YLD VL ETF 33939L662   13,163,252 330,320 SH   SOLE   0 0 330,320
FLEXSHARES TR QLT DIV DEF IDX 33939L845   2,173,042 42,236 SH   SOLE   0 0 42,236
FLEXSHARES TR STOXX GLOBR INF 33939L795   508,788 10,093 SH   SOLE   0 0 10,093
FLEXSHARES TR INTL QLTDV DEF 33939L811   397,445 20,508 SH   SOLE   0 0 20,508
FLEXSHARES TR MORNSTAR UPSTR 33939L407   258,646 5,950 SH   SOLE   0 0 5,950
FORD MTR CO DEL COM 345370860   276,260 23,754 SH   SOLE   0 0 23,754
FREEPORT-MCMORAN INC CL B 35671D857   225,682 5,939 SH   SOLE   0 0 5,939
GLOBAL X FDS US INFR DEV ETF 37954Y673   6,826,341 257,695 SH   SOLE   0 0 257,695
GOLDMAN SACHS GROUP INC COM 38141G104   224,953 655 SH   SOLE   0 0 655
INTEL CORP COM 458140100   578,720 21,896 SH   SOLE   0 0 21,896
INTUIT COM 461202103   1,223,318 3,143 SH   SOLE   0 0 3,143
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   7,869,731 55,715 SH   SOLE   0 0 55,715
INVESCO QQQ TR UNIT SER 1 46090E103   2,621,107 9,843 SH   SOLE   0 0 9,843
ISHARES INC MSCI EMRG CHN 46434G764   6,437,217 135,606 SH   SOLE   0 0 135,606
ISHARES INC ESG AWR MSCI EM 46434G863   711,514 23,662 SH   SOLE   0 0 23,662
ISHARES INC EM MKTS DIV ETF 464286319   446,196 18,499 SH   SOLE   0 0 18,499
ISHARES INC CORE MSCI EMKT 46434G103   427,025 9,144 SH   SOLE   0 0 9,144
ISHARES TR CORE US AGGBD ET 464287226   1,704,599 17,575 SH   SOLE   0 0 17,575
ISHARES TR ESG AWR MSCI USA 46435G425   1,588,127 18,739 SH   SOLE   0 0 18,739
ISHARES TR EXPONENTIAL TECH 46434V381   1,439,420 30,406 SH   SOLE   0 0 30,406
ISHARES TR ESG AW MSCI EAFE 46435G516   914,624 13,913 SH   SOLE   0 0 13,913
ISHARES TR S&P 500 GRWT ETF 464287309   908,973 15,538 SH   SOLE   0 0 15,538
ISHARES TR CRE U S REIT ETF 464288521   514,428 10,403 SH   SOLE   0 0 10,403
ISHARES TR ESG AWR US AGRGT 46435U549   501,901 10,738 SH   SOLE   0 0 10,738
ISHARES TR RUS MID CAP ETF 464287499   479,974 7,116 SH   SOLE   0 0 7,116
ISHARES TR RUSSELL 2000 ETF 464287655   386,207 2,215 SH   SOLE   0 0 2,215
ISHARES TR CORE S&P500 ETF 464287200   386,024 1,005 SH   SOLE   0 0 1,005
ISHARES TR RUSSELL 3000 ETF 464287689   320,427 1,452 SH   SOLE   0 0 1,452
ISHARES TR ESG AWRE 1 5 YR 46435G243   306,966 12,914 SH   SOLE   0 0 12,914
ISHARES TR US HLTHCARE ETF 464287762   276,617 975 SH   SOLE   0 0 975
ISHARES TR RUS 1000 GRW ETF 464287614   273,584 1,277 SH   SOLE   0 0 1,277
ISHARES TR 3 7 YR TREAS BD 464288661   271,600 2,364 SH   SOLE   0 0 2,364
ISHARES TR RUS 1000 VAL ETF 464287598   248,554 1,639 SH   SOLE   0 0 1,639
ISHARES TR ISHARES SEMICDTR 464287523   236,626 680 SH   SOLE   0 0 680
ISHARES TR MSCI EAFE ETF 464287465   233,416 3,556 SH   SOLE   0 0 3,556
ISHARES TR TIPS BD ETF 464287176   230,123 2,162 SH   SOLE   0 0 2,162
ISHARES TR RUS 2000 VAL ETF 464287630   213,413 1,539 SH   SOLE   0 0 1,539
ISHARES TR 0-5 YR TIPS ETF 46429B747   210,888 2,175 SH   SOLE   0 0 2,175
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   23,173,447 598,024 SH   SOLE   0 0 598,024
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   10,414,407 207,748 SH   SOLE   0 0 207,748
JOHNSON & JOHNSON COM 478160104   555,348 3,144 SH   SOLE   0 0 3,144
JPMORGAN CHASE & CO COM 46625H100   893,779 6,665 SH   SOLE   0 0 6,665
LINDE PLC SHS G5494J103   715,965 2,195 SH   SOLE   0 0 2,195
LOWES COS INC COM 548661107   204,221 1,025 SH   SOLE   0 0 1,025
MARSH & MCLENNAN COS INC COM 571748102   527,881 3,190 SH   SOLE   0 0 3,190
MASTERCARD INCORPORATED CL A 57636Q104   504,904 1,452 SH   SOLE   0 0 1,452
MCDONALDS CORP COM 580135101   298,052 1,131 SH   SOLE   0 0 1,131
MICROSOFT CORP COM 594918104   3,095,142 12,906 SH   SOLE   0 0 12,906
MORGAN STANLEY COM NEW 617446448   206,854 2,433 SH   SOLE   0 0 2,433
NEXTERA ENERGY INC COM 65339F101   459,466 5,496 SH   SOLE   0 0 5,496
NORFOLK SOUTHN CORP COM 655844108   425,038 1,725 SH   SOLE   0 0 1,725
NOVO-NORDISK A S ADR 670100205   347,147 2,565 SH   SOLE   0 0 2,565
ORACLE CORP COM 68389X105   245,629 3,005 SH   SOLE   0 0 3,005
PEPSICO INC COM 713448108   498,822 2,761 SH   SOLE   0 0 2,761
PFIZER INC COM 717081103   299,837 5,852 SH   SOLE   0 0 5,852
PROCTER AND GAMBLE CO COM 742718109   656,558 4,332 SH   SOLE   0 0 4,332
RAYTHEON TECHNOLOGIES CORP COM 75513E101   418,919 4,151 SH   SOLE   0 0 4,151
REPUBLIC SVCS INC COM 760759100   301,731 2,339 SH   SOLE   0 0 2,339
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,473,210 77,510 SH   SOLE   0 0 77,510
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,549,759 80,340 SH   SOLE   0 0 80,340
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,153,539 35,813 SH   SOLE   0 0 35,813
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   635,364 26,843 SH   SOLE   0 0 26,843
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   407,663 8,930 SH   SOLE   0 0 8,930
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   302,175 6,264 SH   SOLE   0 0 6,264
SELECT SECTOR SPDR TR ENERGY 81369Y506   937,154 10,714 SH   SOLE   0 0 10,714
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   823,522 24,080 SH   SOLE   0 0 24,080
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   499,129 4,011 SH   SOLE   0 0 4,011
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   403,474 2,970 SH   SOLE   0 0 2,970
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   275,757 2,135 SH   SOLE   0 0 2,135
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   210,705 2,826 SH   SOLE   0 0 2,826
SOUTHERN CO COM 842587107   373,918 5,236 SH   SOLE   0 0 5,236
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,439,052 16,837 SH   SOLE   0 0 16,837
SPDR S&P 500 ETF TR PUT 78462F103   956,075 2,500 PRN Put SOLE   0 0 2,500
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   344,903 779 SH   SOLE   0 0 779
SPDR SER TR PORTFOLIO SH TSR 78468R101   1,433,406 49,616 SH   SOLE   0 0 49,616
SPDR SER TR S&P DIVID ETF 78464A763   874,269 6,988 SH   SOLE   0 0 6,988
SPDR SER TR PRTFLO S&P500 VL 78464A508   832,557 21,408 SH   SOLE   0 0 21,408
SPDR SER TR PORTFOLIO SHORT 78464A474   405,091 13,788 SH   SOLE   0 0 13,788
STARBUCKS CORP COM 855244109   323,218 3,258 SH   SOLE   0 0 3,258
TESLA INC COM 88160R101   541,746 4,398 SH   SOLE   0 0 4,398
TEXAS INSTRS INC COM 882508104   408,949 2,475 SH   SOLE   0 0 2,475
THERMO FISHER SCIENTIFIC INC COM 883556102   420,179 763 SH   SOLE   0 0 763
UNION PAC CORP COM 907818108   689,313 3,329 SH   SOLE   0 0 3,329
UNITEDHEALTH GROUP INC COM 91324P102   380,694 718 SH   SOLE   0 0 718
VALE S A SPONSORED ADS 91912E105   169,700 10,000 SH   SOLE   0 0 10,000
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   18,066,171 239,986 SH   SOLE   0 0 239,986
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,586,107 49,918 SH   SOLE   0 0 49,918
VANGUARD INDEX FDS TOTAL STK MKT 922908769   34,142,043 178,577 SH   SOLE   0 0 178,577
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   14,065,349 170,530 SH   SOLE   0 0 170,530
VANGUARD INDEX FDS VALUE ETF 922908744   5,231,621 37,270 SH   SOLE   0 0 37,270
VANGUARD INDEX FDS MID CAP ETF 922908629   4,109,773 20,165 SH   SOLE   0 0 20,165
VANGUARD INDEX FDS GROWTH ETF 922908736   1,849,422 8,678 SH   SOLE   0 0 8,678
VANGUARD INDEX FDS SMALL CP ETF 922908751   764,646 4,166 SH   SOLE   0 0 4,166
VANGUARD INDEX FDS LARGE CAP ETF 922908637   747,492 4,291 SH   SOLE   0 0 4,291
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   468,688 1,334 SH   SOLE   0 0 1,334
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,587,656 194,655 SH   SOLE   0 0 194,655
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,545,855 75,912 SH   SOLE   0 0 75,912
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   7,681,970 132,860 SH   SOLE   0 0 132,860
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   6,212,698 106,236 SH   SOLE   0 0 106,236
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,408,037 43,969 SH   SOLE   0 0 43,969
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,510,218 33,385 SH   SOLE   0 0 33,385
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   16,752,259 399,148 SH   SOLE   0 0 399,148
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   937,748 8,666 SH   SOLE   0 0 8,666
VISA INC COM CL A 92826C839   657,976 3,167 SH   SOLE   0 0 3,167
WALMART INC COM 931142103   970,694 6,846 SH   SOLE   0 0 6,846
WISDOMTREE TR EM EX ST-OWNED 97717X578   696,188 26,094 SH   SOLE   0 0 26,094