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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
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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   299,081,761 481,691 SH   SOLE   0 0 481,691
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   256,015,429 4,490,716 SH   SOLE   0 0 4,490,716
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   102,154,176 2,063,311 SH   SOLE   0 0 2,063,311
ISHARES TR BARCLAYS 7 10 YR 464287440   85,984,582 897,827 SH   SOLE   0 0 897,827
ISHARES TR CORE S&P MCP ETF 464287507   83,071,174 1,339,430 SH   SOLE   0 0 1,339,430
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   66,571,381 1,345,970 SH   SOLE   0 0 1,345,970
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771   57,160,513 1,233,509 SH   SOLE   0 0 1,233,509
ISHARES TR INTRM TR CRP ETF 464288638   51,187,361 960,549 SH   SOLE   0 0 960,549
ISHARES TR ESG AWR MSCI USA 46435G425   44,980,201 332,448 SH   SOLE   0 0 332,448
ISHARES TR CORE S&P SCP ETF 464287804   41,417,664 378,973 SH   SOLE   0 0 378,973
ISHARES TR ESG AW MSCI EAFE 46435G516   24,009,702 269,107 SH   SOLE   0 0 269,107
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   23,901,380 818,260 SH   SOLE   0 0 818,260
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   23,300,511 842,086 SH   SOLE   0 0 842,086
ISHARES TR NATIONAL MUN ETF 464288414   21,388,909 204,718 SH   SOLE   0 0 204,718
ISHARES TR CORE US AGGBD ET 464287226   16,207,812 163,385 SH   SOLE   0 0 163,385
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   7,170,588 25,214 SH   SOLE   0 0 25,214
ISHARES INC ESG AWR MSCI EM 46434G863   6,789,936 173,347 SH   SOLE   0 0 173,347
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   6,127,100 37,256 SH   SOLE   0 0 37,256
ISHARES TR ESG AWARE MSCI 46435U663   5,815,152 140,702 SH   SOLE   0 0 140,702
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,062,588 16,043 SH   SOLE   0 0 16,043
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406   4,019,939 30,155 SH   SOLE   0 0 30,155
ISHARES TR SH TR CRPORT ETF 464288646   3,868,918 73,331 SH   SOLE   0 0 73,331
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,295,927 11,901 SH   SOLE   0 0 11,901
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,174,547 16,279 SH   SOLE   0 0 16,279
ISHARES TR ESG MSCI USA ETF 46436E767   2,924,693 54,231 SH   SOLE   0 0 54,231
VANGUARD WHITEHALL FDS INC INTL HIGH ETF 921946794   2,781,842 34,726 SH   SOLE   0 0 34,726
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,365,768 30,061 SH   SOLE   0 0 30,061
ISHARES TR JPMORGAN USD EMG 464288281   2,324,330 25,095 SH   SOLE   0 0 25,095
ISHARES TR SHRT NAT MUN ETF 464288158   2,033,492 19,123 SH   SOLE   0 0 19,123
VANGUARD INDEX FDS GROWTH ETF 922908736   1,910,293 4,357 SH   SOLE   0 0 4,357
ISHARES TR ESG AWR US AGRGT 46435U549   1,853,019 38,978 SH   SOLE   0 0 38,978
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,556,217 46,344 SH   SOLE   0 0 46,344
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,426,811 4,695 SH   SOLE   0 0 4,695
VANGUARD INDEX FDS VALUE ETF 922908744   1,258,711 7,122 SH   SOLE   0 0 7,122
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,171,617 22,372 SH   SOLE   0 0 22,372
ISHARES TR CORE MSCI EAFE 46432F842   1,139,351 13,648 SH   SOLE   0 0 13,648
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   993,448 7,370 SH   SOLE   0 0 7,370
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   947,417 35,752 SH   SOLE   0 0 35,752
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   935,963 4,307 SH   SOLE   0 0 4,307
ISHARES TR ESG EAFE ETF 46436E759   925,162 12,428 SH   SOLE   0 0 12,428
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   873,370 8,047 SH   SOLE   0 0 8,047
ISHARES TR EXPONENTIAL TECH 46434V381   857,047 13,135 SH   SOLE   0 0 13,135
SPDR SER TR PORTFOLIO LN COR 78464A367   755,995 33,496 SH   SOLE   0 0 33,496
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   739,857 5,015 SH   SOLE   0 0 5,015
ISHARES TR MSCI LW CRB TG 46434V464   724,214 3,419 SH   SOLE   0 0 3,419
ISHARES TR ESG ADV TTL USD 46436E619   683,802 15,702 SH   SOLE   0 0 15,702
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   646,691 28,883 SH   SOLE   0 0 28,883
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   629,336 5,174 SH   SOLE   0 0 5,174
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   623,691 19,102 SH   SOLE   0 0 19,102
SPDR SER TR SPDR S&P 500 ETF 78468R796   580,427 11,397 SH   SOLE   0 0 11,397
ISHARES INC CORE MSCI EMKT 46434G103   560,218 9,332 SH   SOLE   0 0 9,332
ISHARES TR ESG AWRE 1 5 YR 46435G243   535,229 21,265 SH   SOLE   0 0 21,265
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   504,820 6,235 SH   SOLE   0 0 6,235
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   492,969 6,695 SH   SOLE   0 0 6,695
ISHARES TR EGSADVNCDMSCI EM 46436E742   479,121 11,175 SH   SOLE   0 0 11,175
ISHARES TR S&P MC 400VL ETF 464287705   473,254 3,830 SH   SOLE   0 0 3,830
VANGUARD WORLD FD ESG US STK ETF 921910733   451,070 4,114 SH   SOLE   0 0 4,114
VANGUARD STAR FDS VG TL INTL STK F 921909768   379,471 5,492 SH   SOLE   0 0 5,492
ISHARES TR CORE MSCI TOTAL 46432F834   356,027 4,605 SH   SOLE   0 0 4,605
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   347,576 4,599 SH   SOLE   0 0 4,599
SPDR SER TR AEROSPACE DEF 78464A631   342,203 1,622 SH   SOLE   0 0 1,622
SELECT SECTOR SPDR TR ENERGY 81369Y506   335,045 3,951 SH   SOLE   0 0 3,951
ISHARES TR S&P MC 400GR ETF 464287606   323,938 3,561 SH   SOLE   0 0 3,561
VANGUARD INDEX FDS MID CAP ETF 922908629   320,657 1,146 SH   SOLE   0 0 1,146
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   311,385 4,629 SH   SOLE   0 0 4,629
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   262,379 3,213 SH   SOLE   0 0 3,213
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   256,590 2,922 SH   SOLE   0 0 2,922
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   255,004 6,157 SH   SOLE   0 0 6,157
J P MORGAN EXCHANGE TRADED F SUSTAINABLE MUNI 46654Q815   254,036 5,140 SH   SOLE   0 0 5,140
SPDR SER TR RUSSELL YIELD 78468R770   250,388 2,313 SH   SOLE   0 0 2,313
ISHARES TR ISHARES BIOTECH 464287556   245,227 1,938 SH   SOLE   0 0 1,938
WISDOMTREE TR EMER MKT HIGH FD 97717W315   240,911 5,319 SH   SOLE   0 0 5,319
WISDOMTREE TR US SMALLCAP DIVD 97717W604   225,672 7,106 SH   SOLE   0 0 7,106
ALPS ETF TR MED BREAKTHGH 00162Q593   200,429 6,665 SH   SOLE   0 0 6,665
ISHARES TR GL CLEAN ENE ETF 464288224   135,529 10,338 SH   SOLE   0 0 10,338