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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
ISHARES TR CORE S&P500 ETF 464287200   165,407,888 430,514 SH   SOLE   0 0 430,514
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   156,814,702 3,736,352 SH   SOLE   0 0 3,736,352
ISHARES TR CORE S&P MCP ETF 464287507   86,158,714 356,190 SH   SOLE   0 0 356,190
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   77,096,242 1,625,474 SH   SOLE   0 0 1,625,474
ISHARES TR BARCLAYS 7 10 YR 464287440   71,899,880 750,677 SH   SOLE   0 0 750,677
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771   46,215,698 1,015,283 SH   SOLE   0 0 1,015,283
ISHARES TR INTRM TR CRP ETF 464288638   42,510,660 858,628 SH   SOLE   0 0 858,628
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   36,502,695 936,447 SH   SOLE   0 0 936,447
ISHARES TR CORE S&P SCP ETF 464287804   28,195,362 297,922 SH   SOLE   0 0 297,922
ISHARES TR ESG MSCI USA ETF 46435G425   24,492,777 289,000 SH   SOLE   0 0 289,000
ISHARES TR NATIONAL MUN ETF 464288414   17,413,238 165,023 SH   SOLE   0 0 165,023
ISHARES TR ESG MSCI EAFE 46435G516   14,885,912 226,436 SH   SOLE   0 0 226,436
ISHARES INC ESG MSCI EM ETF 46435G863   3,572,557 118,808 SH   SOLE   0 0 118,808
ISHARES TR SH TR CRPORT ETF 464288646   3,442,697 69,103 SH   SOLE   0 0 69,103
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406   3,368,303 31,127 SH   SOLE   0 0 31,127
ISHARES TR ESG MSCI USA SML 46435U663   2,801,711 85,210 SH   SOLE   0 0 85,210
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,740,051 41,503 SH   SOLE   0 0 41,503
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,457,006 44,223 SH   SOLE   0 0 44,223
VANGUARD WHITEHALL FDS INC INTL HIGH ETF 921946794   2,153,073 36,144 SH   SOLE   0 0 36,144
ISHARES TR CORE US AGGBD ET 464287226   1,888,150 19,467 SH   SOLE   0 0 19,467
ISHARES TR ESG MSCI USA ETF 46436E767   782,346 25,517 SH   SOLE   0 0 25,517
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   695,023 5,585 SH   SOLE   0 0 5,585
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   683,730 9,051 SH   SOLE   0 0 9,051
VANGUARD INDEX FDS TOTAL STK MKT 922908769   557,047 2,914 SH   SOLE   0 0 2,914
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   351,465 1,955 SH   SOLE   0 0 1,955
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   340,808 4,527 SH   SOLE   0 0 4,527
ISHARES TR JPMORGAN USD EMG 464288281   334,890 3,959 SH   SOLE   0 0 3,959
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   329,505 2,436 SH   SOLE   0 0 2,436
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   287,515 2,116 SH   SOLE   0 0 2,116
VANGUARD INDEX FDS SM CP VAL ETF 922908611   283,069 1,783 SH   SOLE   0 0 1,783
ISHARES TR ESG AWR US AGRGT 46435U549   276,472 5,915 SH   SOLE   0 0 5,915
VANGUARD INDEX FDS SML CP GRW ETF 922908595   270,941 1,351 SH   SOLE   0 0 1,351
VANGUARD INDEX FDS GROWTH ETF 922908736   270,196 1,268 SH   SOLE   0 0 1,268
ISHARES TR SHRT NAT MUN ETF 464288158   269,849 2,588 SH   SOLE   0 0 2,588
ISHARES TR ESG EAFE ETF 46436E759   247,384 4,558 SH   SOLE   0 0 4,558
VANGUARD STAR FDS VG TL INTL STK F 921909768   244,227 4,722 SH   SOLE   0 0 4,722
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   242,121 7,080 SH   SOLE   0 0 7,080
VANGUARD INDEX FDS VALUE ETF 922908744   220,182 1,569 SH   SOLE   0 0 1,569
SPDR SER TR PORTFOLIO INTRMD 78464A375   218,780 6,873 SH   SOLE   0 0 6,873
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   202,366 1,567 SH   SOLE   0 0 1,567