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
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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   274,850,943 466,894 SH   SOLE   0 0 466,894
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   215,896,342 4,514,777 SH   SOLE   0 0 4,514,777
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   95,541,373 1,947,844 SH   SOLE   0 0 1,947,844
ISHARES TR BARCLAYS 7 10 YR 464287440   80,103,890 866,460 SH   SOLE   0 0 866,460
ISHARES TR CORE S&P MCP ETF 464287507   77,858,633 1,249,541 SH   SOLE   0 0 1,249,541
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   57,688,981 1,309,929 SH   SOLE   0 0 1,309,929
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771   53,664,285 1,183,604 SH   SOLE   0 0 1,183,604
ISHARES TR INTRM TR CRP ETF 464288638   47,763,652 927,275 SH   SOLE   0 0 927,275
ISHARES TR ESG AWR MSCI USA 46435G425   42,337,466 328,656 SH   SOLE   0 0 328,656
ISHARES TR CORE S&P SCP ETF 464287804   39,352,847 341,548 SH   SOLE   0 0 341,548
ISHARES TR ESG AW MSCI EAFE 46435G516   21,326,345 280,094 SH   SOLE   0 0 280,094
ISHARES TR NATIONAL MUN ETF 464288414   20,757,269 194,813 SH   SOLE   0 0 194,813
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   20,465,206 734,310 SH   SOLE   0 0 734,310
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   19,318,982 741,043 SH   SOLE   0 0 741,043
ISHARES TR CORE US AGGBD ET 464287226   13,829,879 142,723 SH   SOLE   0 0 142,723
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   5,933,361 23,383 SH   SOLE   0 0 23,383
ISHARES INC ESG AWR MSCI EM 46434G863   5,921,330 177,340 SH   SOLE   0 0 177,340
ISHARES TR ESG AWARE MSCI 46435U663   5,517,332 131,210 SH   SOLE   0 0 131,210
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   5,447,141 33,672 SH   SOLE   0 0 33,672
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,797,571 16,332 SH   SOLE   0 0 16,332
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406   3,780,713 29,632 SH   SOLE   0 0 29,632
ISHARES TR SH TR CRPORT ETF 464288646   3,482,190 67,354 SH   SOLE   0 0 67,354
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,904,913 10,372 SH   SOLE   0 0 10,372
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,782,396 14,040 SH   SOLE   0 0 14,040
VANGUARD WHITEHALL FDS INC INTL HIGH ETF 921946794   2,410,513 35,512 SH   SOLE   0 0 35,512
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,096,332 27,130 SH   SOLE   0 0 27,130
ISHARES TR ESG MSCI USA ETF 46436E767   2,061,866 41,470 SH   SOLE   0 0 41,470
ISHARES TR JPMORGAN USD EMG 464288281   2,018,376 22,668 SH   SOLE   0 0 22,668
ISHARES TR ESG AWR US AGRGT 46435U549   1,996,048 42,981 SH   SOLE   0 0 42,981
ISHARES TR SHRT NAT MUN ETF 464288158   1,794,794 17,016 SH   SOLE   0 0 17,016
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,330,435 40,612 SH   SOLE   0 0 40,612
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,203,014 4,151 SH   SOLE   0 0 4,151
VANGUARD INDEX FDS VALUE ETF 922908744   1,121,812 6,626 SH   SOLE   0 0 6,626
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,093,932 40,041 SH   SOLE   0 0 40,041
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,078,623 22,318 SH   SOLE   0 0 22,318
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,050,025 7,633 SH   SOLE   0 0 7,633
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   955,503 4,259 SH   SOLE   0 0 4,259
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   776,643 8,022 SH   SOLE   0 0 8,022
ISHARES TR EXPONENTIAL TECH 46434V381   758,541 12,714 SH   SOLE   0 0 12,714
VANGUARD INDEX FDS GROWTH ETF 922908736   700,148 1,706 SH   SOLE   0 0 1,706
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   651,643 4,946 SH   SOLE   0 0 4,946
SPDR SER TR PORTFOLIO LN COR 78464A367   649,211 29,204 SH   SOLE   0 0 29,204
ISHARES TR MSCI LW CRB TG 46434V464   626,064 3,234 SH   SOLE   0 0 3,234
ISHARES TR ESG EAFE ETF 46436E759   608,503 9,417 SH   SOLE   0 0 9,417
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   594,851 8,272 SH   SOLE   0 0 8,272
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   594,757 4,993 SH   SOLE   0 0 4,993
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   583,535 18,264 SH   SOLE   0 0 18,264
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   579,894 24,561 SH   SOLE   0 0 24,561
ISHARES TR ESG AWRE 1 5 YR 46435G243   533,479 21,598 SH   SOLE   0 0 21,598
SPDR SER TR SPDR S&P 500 ETF 78468R796   524,369 10,890 SH   SOLE   0 0 10,890
ISHARES TR ESG ADV TTL USD 46436E619   489,370 11,520 SH   SOLE   0 0 11,520
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   487,663 6,204 SH   SOLE   0 0 6,204
ISHARES TR CORE MSCI EAFE 46432F842   459,902 6,544 SH   SOLE   0 0 6,544
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   420,256 6,561 SH   SOLE   0 0 6,561
VANGUARD STAR FDS VG TL INTL STK F 921909768   375,417 6,371 SH   SOLE   0 0 6,371
SELECT SECTOR SPDR TR ENERGY 81369Y506   327,913 3,828 SH   SOLE   0 0 3,828
ISHARES TR EGSADVNCDMSCI EM 46436E742   312,426 8,383 SH   SOLE   0 0 8,383
SPDR SER TR AEROSPACE DEF 78464A631   300,538 1,812 SH   SOLE   0 0 1,812
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   293,159 4,620 SH   SOLE   0 0 4,620
ISHARES INC CORE MSCI EMKT 46434G103   284,384 5,446 SH   SOLE   0 0 5,446
SPDR SER TR RUSSELL YIELD 78468R770   283,659 2,606 SH   SOLE   0 0 2,606
WISDOMTREE TR US SMALLCAP DIVD 97717W604   265,286 7,723 SH   SOLE   0 0 7,723
WISDOMTREE TR EMER MKT HIGH FD 97717W315   246,799 6,095 SH   SOLE   0 0 6,095
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   244,586 6,014 SH   SOLE   0 0 6,014
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   240,118 2,854 SH   SOLE   0 0 2,854
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   239,740 3,167 SH   SOLE   0 0 3,167
ISHARES TR ISHARES BIOTECH 464287556   200,346 1,515 SH   SOLE   0 0 1,515