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
ISHARES TR CORE S&P MCP ETF 464287507 617 4,290 SH   SOLE NONE 0 0 4,290
ISHARES TR S&P 500 VAL ETF 464287408 3,404 35,364 SH   SOLE NONE 0 0 35,364
ISHARES TR CORE S&P500 ETF 464287200 25,522 98,768 SH   SOLE NONE 0 0 98,768
ISHARES TR S&P 500 GRWT ETF 464287309 4,434 26,866 SH   SOLE NONE 0 0 26,866
PFIZER INC COM 717081103 209 6,407 SH   SOLE NONE 0 0 6,407
PROCTER & GAMBLE CO COM 742718109 19,781 179,830 SH   SOLE NONE 0 0 179,830
ISHARES TR 20 YR TR BD ETF 464287432 2,400 14,545 SH   SOLE NONE 0 0 14,545
APPLE INC COM 037833100 539 2,119 SH   SOLE NONE 0 0 2,119
CHESAPEAKE ENERGY CORP COM 165167107 6 34,899 SH   SOLE NONE 0 0 34,899
ISHARES TR CORE US AGGBD ET 464287226 12,814 111,070 SH   SOLE NONE 0 0 111,070
ISHARES TR TIPS BD ETF 464287176 281 2,383 SH   SOLE NONE 0 0 2,383
ISHARES TR CORE S&P TTL STK 464287150 371 6,486 SH   SOLE NONE 0 0 6,486
ISHARES TR SHORT TREAS BD 464288679 10,032 90,365 SH   SOLE NONE 0 0 90,365
ISHARES TR MBS ETF 464288588 7,460 67,546 SH   SOLE NONE 0 0 67,546
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 362 5,112 SH   SOLE NONE 0 0 5,112
ISHARES TR INTRM TR CRP ETF 464288638 2,496 45,443 SH   SOLE NONE 0 0 45,443
SPDR SER TR PORTFOLIO AGRGTE 78464A649 347 11,466 SH   SOLE NONE 0 0 11,466
PEOPLES FINL SVCS CORP COM 711040105 1,128 28,373 SH   SOLE NONE 0 0 28,373
ISHARES TR MSCI MIN VOL ETF 46429B697 3,563 65,962 SH   SOLE NONE 0 0 65,962
ISHARES TR US TREAS BD ETF 46429B267 24,560 876,821 SH   SOLE NONE 0 0 876,821
ISHARES INC CORE MSCI EMKT 46434G103 2,371 58,589 SH   SOLE NONE 0 0 58,589
ISHARES TR CORE MSCI EAFE 46432F842 10,839 217,253 SH   SOLE NONE 0 0 217,253
ISHARES TR USA SIZE FACTOR 46432F370 2,547 35,676 SH   SOLE NONE 0 0 35,676
ISHARES TR USA QUALITY FCTR 46432F339 6,563 80,989 SH   SOLE NONE 0 0 80,989
FIDELITY COVINGTON TR MSCI ENERGY IDX 316092402 92 12,183 SH   SOLE NONE 0 0 12,183
FIDELITY COVINGTON TR MSCI INFO TECH I 316092808 3,335 53,194 SH   SOLE NONE 0 0 53,194
ISHARES TR 0-5YR HI YL CP 46434V407 1,628 39,833 SH   SOLE NONE 0 0 39,833
ISHARES TR CORE DIV GRWTH 46434V621 6,477 198,741 SH   SOLE NONE 0 0 198,741
FIDELITY TOTAL BD ETF 316188309 653 12,613 SH   SOLE NONE 0 0 12,613
ISHARES TR MULTIFACTOR USA 46434V282 5,147 194,606 SH   SOLE NONE 0 0 194,606
ISHARES INC ESG MSCI EM ETF 46434G863 4,351 158,957 SH   SOLE NONE 0 0 158,957
ISHARES TR ESG MSCI USA ETF 46435G425 6,866 119,428 SH   SOLE NONE 0 0 119,428