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&P500 ETF 464287200 196,583 412,133 SH   SOLE   0 0 412,133
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 167,474 3,279,945 SH   SOLE   0 0 3,279,945
ISHARES TR CORE S&P MCP ETF 464287507 98,778 348,941 SH   SOLE   0 0 348,941
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 89,714 1,626,437 SH   SOLE   0 0 1,626,437
ISHARES TR BARCLAYS 7 10 YR 464287440 85,873 746,722 SH   SOLE   0 0 746,722
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 54,255 1,026,783 SH   SOLE   0 0 1,026,783
ISHARES TR INTRM TR CRP ETF 464288638 49,664 837,936 SH   SOLE   0 0 837,936
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 39,696 802,598 SH   SOLE   0 0 802,598
ISHARES TR CORE S&P SCP ETF 464287804 32,783 286,286 SH   SOLE   0 0 286,286
ISHARES TR ESG MSCI USA ETF 46435G425 23,348 216,385 SH   SOLE   0 0 216,385
ISHARES TR NATIONAL MUN ETF 464288414 19,390 166,756 SH   SOLE   0 0 166,756
ISHARES TR ESG MSCI EAFE 46435G516 13,223 166,407 SH   SOLE   0 0 166,407
ISHARES TR SH TR CRPORT ETF 464288646 4,494 83,416 SH   SOLE   0 0 83,416
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 3,437 30,659 SH   SOLE   0 0 30,659
ISHARES INC ESG MSCI EM ETF 46435G863 3,153 79,309 SH   SOLE   0 0 79,309
ISHARES TR ESG MSCI USA SML 46435U663 2,588 64,197 SH   SOLE   0 0 64,197
VANGUARD WHITEHALL FDS INC INTL HIGH ETF 921946794 1,983 29,528 SH   SOLE   0 0 29,528