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
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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   191,905,889 401,788 SH   SOLE   0 0 401,788
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   179,397,848 3,745,258 SH   SOLE   0 0 3,745,258
ISHARES TR CORE S&P MCP ETF 464287507   98,605,259 355,783 SH   SOLE   0 0 355,783
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   81,467,572 1,650,310 SH   SOLE   0 0 1,650,310
ISHARES TR BARCLAYS 7 10 YR 464287440   72,794,489 755,208 SH   SOLE   0 0 755,208
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771   47,665,733 1,028,165 SH   SOLE   0 0 1,028,165
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   44,427,627 1,080,964 SH   SOLE   0 0 1,080,964
ISHARES TR INTRM TR CRP ETF 464288638   43,088,020 828,616 SH   SOLE   0 0 828,616
ISHARES TR CORE S&P SCP ETF 464287804   33,935,732 313,494 SH   SOLE   0 0 313,494
ISHARES TR ESG MSCI USA ETF 46435G425   33,117,241 315,643 SH   SOLE   0 0 315,643
ISHARES TR NATIONAL MUN ETF 464288414   17,887,656 165,000 SH   SOLE   0 0 165,000
ISHARES TR ESG MSCI EAFE 46435G516   17,615,651 233,196 SH   SOLE   0 0 233,196
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   12,072,398 145,521 SH   SOLE   0 0 145,521
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   11,397,971 162,596 SH   SOLE   0 0 162,596
ISHARES TR CORE US AGGBD ET 464287226   7,908,353 79,681 SH   SOLE   0 0 79,681
ISHARES INC ESG MSCI EM ETF 46435G863   4,630,268 144,425 SH   SOLE   0 0 144,425
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406   3,849,192 34,482 SH   SOLE   0 0 34,482
ISHARES TR ESG MSCI USA SML 46435U663   3,781,324 99,482 SH   SOLE   0 0 99,482
ISHARES TR SH TR CRPORT ETF 464288646   3,162,067 61,669 SH   SOLE   0 0 61,669
VANGUARD WHITEHALL FDS INC INTL HIGH ETF 921946794   2,664,071 40,067 SH   SOLE   0 0 40,067
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,851,928 9,621 SH   SOLE   0 0 9,621
ISHARES TR ESG MSCI USA ETF 46436E767   1,519,619 38,162 SH   SOLE   0 0 38,162
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,505,894 6,858 SH   SOLE   0 0 6,858
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,457,553 19,146 SH   SOLE   0 0 19,146
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,410,281 9,725 SH   SOLE   0 0 9,725
ISHARES TR ESG AWR US AGRGT 46435U549   1,313,880 27,522 SH   SOLE   0 0 27,522
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,303,247 5,494 SH   SOLE   0 0 5,494
ISHARES TR JPMORGAN USD EMG 464288281   1,211,536 13,604 SH   SOLE   0 0 13,604
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,172,687 6,516 SH   SOLE   0 0 6,516
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,169,502 15,184 SH   SOLE   0 0 15,184
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,160,616 4,801 SH   SOLE   0 0 4,801
ISHARES TR SHRT NAT MUN ETF 464288158   1,038,125 9,847 SH   SOLE   0 0 9,847
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   758,467 5,561 SH   SOLE   0 0 5,561
SPDR SER TR PORTFOLIO INTRMD 78464A375   750,417 22,858 SH   SOLE   0 0 22,858
VANGUARD INDEX FDS VALUE ETF 922908744   664,352 4,444 SH   SOLE   0 0 4,444
VANGUARD INDEX FDS GROWTH ETF 922908736   610,456 1,964 SH   SOLE   0 0 1,964
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   603,620 16,054 SH   SOLE   0 0 16,054
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   559,372 3,128 SH   SOLE   0 0 3,128
VANGUARD STAR FDS VG TL INTL STK F 921909768   521,867 9,004 SH   SOLE   0 0 9,004
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   462,964 4,061 SH   SOLE   0 0 4,061
ISHARES TR ESG EAFE ETF 46436E759   442,290 6,924 SH   SOLE   0 0 6,924
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   422,136 5,739 SH   SOLE   0 0 5,739
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   419,480 5,773 SH   SOLE   0 0 5,773
ISHARES TR MSCI LW CRB TG 46434V464   416,301 2,516 SH   SOLE   0 0 2,516
SPDR SER TR PORTFOLIO LN COR 78464A367   399,767 16,804 SH   SOLE   0 0 16,804
SPDR SER TR RUSSELL YIELD 78468R770   378,167 3,755 SH   SOLE   0 0 3,755
WISDOMTREE TR US SMALLCAP DIVD 97717W604   356,987 11,097 SH   SOLE   0 0 11,097
ISHARES TR CORE MSCI EAFE 46432F842   355,462 5,053 SH   SOLE   0 0 5,053
WISDOMTREE TR EMER MKT HIGH FD 97717W315   348,588 8,569 SH   SOLE   0 0 8,569
ISHARES TR ISHARES TR 46434V381   345,046 5,763 SH   SOLE   0 0 5,763
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   343,728 14,215 SH   SOLE   0 0 14,215
SPDR SER TR SPDR S&P 500 ETF 78468R796   338,006 8,709 SH   SOLE   0 0 8,709
ISHARES TR ESG AWRE 1 5 YR 46435G243   325,266 13,287 SH   SOLE   0 0 13,287
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   277,637 3,854 SH   SOLE   0 0 3,854
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   273,934 3,125 SH   SOLE   0 0 3,125
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   263,660 9,251 SH   SOLE   0 0 9,251
ISHARES TR ESG ADV TTL USD 46436E619   250,413 5,789 SH   SOLE   0 0 5,789
ISHARES INC CORE MSCI EMKT 46434G103   229,328 4,534 SH   SOLE   0 0 4,534
ISHARES TR EGSADVNCDMSCI EM 46436E742   202,856 5,714 SH   SOLE   0 0 5,714