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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   325,650,695 486,555 SH   SOLE   0 0 486,555
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   274,109,510 4,574,596 SH   SOLE   0 0 4,574,596
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   108,728,951 2,198,328 SH   SOLE   0 0 2,198,328
ISHARES TR BARCLAYS 7 10 YR 464287440   91,278,875 946,291 SH   SOLE   0 0 946,291
ISHARES TR CORE S&P MCP ETF 464287507   89,712,750 1,374,702 SH   SOLE   0 0 1,374,702
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   74,582,223 1,376,569 SH   SOLE   0 0 1,376,569
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771   60,923,864 1,297,363 SH   SOLE   0 0 1,297,363
ISHARES TR INTRM TR CRP ETF 464288638   54,355,138 1,004,907 SH   SOLE   0 0 1,004,907
ISHARES TR ESG AWR MSCI USA 46435G425   48,620,900 333,935 SH   SOLE   0 0 333,935
ISHARES TR CORE S&P SCP ETF 464287804   46,228,268 389,031 SH   SOLE   0 0 389,031
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   28,457,265 891,798 SH   SOLE   0 0 891,798
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   27,036,448 928,769 SH   SOLE   0 0 928,769
ISHARES TR ESG AW MSCI EAFE 46435G516   25,649,999 275,866 SH   SOLE   0 0 275,866
ISHARES TR NATIONAL MUN ETF 464288414   23,139,380 217,292 SH   SOLE   0 0 217,292
ISHARES TR CORE US AGGBD ET 464287226   18,145,815 181,006 SH   SOLE   0 0 181,006
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   8,126,722 27,662 SH   SOLE   0 0 27,662
ISHARES INC ESG AWR MSCI EM 46434G863   7,562,875 174,181 SH   SOLE   0 0 174,181
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   7,281,599 41,709 SH   SOLE   0 0 41,709
ISHARES TR ESG AWARE MSCI 46435U663   6,440,590 142,871 SH   SOLE   0 0 142,871
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,531,328 16,077 SH   SOLE   0 0 16,077
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406   4,296,121 30,480 SH   SOLE   0 0 30,480
ISHARES TR SH TR CRPORT ETF 464288646   4,069,710 76,744 SH   SOLE   0 0 76,744
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,908,995 13,134 SH   SOLE   0 0 13,134
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,771,363 18,070 SH   SOLE   0 0 18,070
ISHARES TR ESG MSCI USA ETF 46436E767   3,247,186 56,660 SH   SOLE   0 0 56,660
VANGUARD WHITEHALL FDS INC INTL HIGH ETF 921946794   2,949,711 34,834 SH   SOLE   0 0 34,834
ISHARES TR JPMORGAN USD EMG 464288281   2,594,406 27,255 SH   SOLE   0 0 27,255
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,579,816 32,693 SH   SOLE   0 0 32,693
ISHARES TR SHRT NAT MUN ETF 464288158   2,289,664 21,443 SH   SOLE   0 0 21,443
VANGUARD INDEX FDS GROWTH ETF 922908736   2,156,255 4,496 SH   SOLE   0 0 4,496
ISHARES TR ESG AWR US AGRGT 46435U549   1,954,559 40,695 SH   SOLE   0 0 40,695
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,868,674 5,694 SH   SOLE   0 0 5,694
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,700,034 50,163 SH   SOLE   0 0 50,163
VANGUARD INDEX FDS VALUE ETF 922908744   1,373,743 7,366 SH   SOLE   0 0 7,366
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,250,621 23,216 SH   SOLE   0 0 23,216
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,193,710 8,577 SH   SOLE   0 0 8,577
ISHARES TR CORE MSCI EAFE 46432F842   1,168,793 13,387 SH   SOLE   0 0 13,387
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,067,463 4,454 SH   SOLE   0 0 4,454
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,016,457 37,233 SH   SOLE   0 0 37,233
ISHARES TR ESG EAFE ETF 46436E759   1,015,816 13,412 SH   SOLE   0 0 13,412
ISHARES TR EXPONENTIAL TECH 46434V381   995,962 13,844 SH   SOLE   0 0 13,844
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   972,647 8,217 SH   SOLE   0 0 8,217
SPDR SER TR PORTFOLIO LN COR 78464A367   846,403 36,609 SH   SOLE   0 0 36,609
ISHARES TR MSCI LW CRB TG 46434V464   839,761 3,702 SH   SOLE   0 0 3,702
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   802,821 5,205 SH   SOLE   0 0 5,205
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   761,130 32,964 SH   SOLE   0 0 32,964
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   731,750 5,444 SH   SOLE   0 0 5,444
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   717,819 20,260 SH   SOLE   0 0 20,260
SPDR SER TR SPDR S&P 500 ETF 78468R796   675,389 12,313 SH   SOLE   0 0 12,313
ISHARES TR ESG ADV TTL USD 46436E619   666,500 15,175 SH   SOLE   0 0 15,175
ISHARES INC CORE MSCI EMKT 46434G103   599,539 9,095 SH   SOLE   0 0 9,095
ISHARES TR CORE MSCI TOTAL 46432F834   594,814 7,203 SH   SOLE   0 0 7,203
ISHARES TR ESG AWRE 1 5 YR 46435G243   557,214 22,016 SH   SOLE   0 0 22,016
ISHARES TR EGSADVNCDMSCI EM 46436E742   537,807 11,879 SH   SOLE   0 0 11,879
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   525,405 6,704 SH   SOLE   0 0 6,704
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   511,204 6,874 SH   SOLE   0 0 6,874
ISHARES TR S&P MC 400VL ETF 464287705   486,327 3,749 SH   SOLE   0 0 3,749
VANGUARD WORLD FD ESG US STK ETF 921910733   480,571 4,058 SH   SOLE   0 0 4,058
VANGUARD STAR FDS VG TL INTL STK F 921909768   405,438 5,519 SH   SOLE   0 0 5,519
SPDR SER TR AEROSPACE DEF 78464A631   373,567 1,590 SH   SOLE   0 0 1,590
SELECT SECTOR SPDR TR ENERGY 81369Y506   372,473 4,169 SH   SOLE   0 0 4,169
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   368,517 5,077 SH   SOLE   0 0 5,077
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   354,923 4,669 SH   SOLE   0 0 4,669
VANGUARD INDEX FDS MID CAP ETF 922908629   351,038 1,195 SH   SOLE   0 0 1,195
ISHARES TR S&P MC 400GR ETF 464287606   332,555 3,468 SH   SOLE   0 0 3,468
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   292,509 3,354 SH   SOLE   0 0 3,354
ISHARES TR ISHARES BIOTECH 464287556   287,344 1,990 SH   SOLE   0 0 1,990
J P MORGAN EXCHANGE TRADED F SUSTAINABLE MUNI 46654Q815   284,090 5,657 SH   SOLE   0 0 5,657
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   276,771 3,088 SH   SOLE   0 0 3,088
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   273,941 6,502 SH   SOLE   0 0 6,502
SPDR SER TR RUSSELL YIELD 78468R770   266,421 2,354 SH   SOLE   0 0 2,354
WISDOMTREE TR EMER MKT HIGH FD 97717W315   249,099 5,416 SH   SOLE   0 0 5,416
ALPS ETF TR MED BREAKTHGH 00162Q593   245,380 6,315 SH   SOLE   0 0 6,315
WISDOMTREE TR US SMALLCAP DIVD 97717W604   244,285 7,253 SH   SOLE   0 0 7,253
ISHARES TR GENOMICS IMMUN 46435U192   225,626 9,555 SH   SOLE   0 0 9,555
VANGUARD WORLD FD INF TECH ETF 92204A702   213,775 286 SH   SOLE   0 0 286
ISHARES TR GL CLEAN ENE ETF 464288224   157,638 10,183 SH   SOLE   0 0 10,183