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
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 268 1,050 SH   SOLE   0 0 1,050
FIDELITY COVINGTON TR MSCI INFO TECH I 316092808 1,475 23,508 SH   SOLE   0 0 23,508
ISHARES TR IBOXX INV CP ETF 464287242 1,687 13,655 SH   SOLE   0 0 13,655
ISHARES TR ESG MSCI USA SML 46435U663 211 10,568 SH   SOLE   0 0 10,568
KEURIG DR PEPPER INC COM 49271V100 227 9,338 SH   SOLE   0 0 9,338
PIMCO ETF TR INV GRD CRP BD 72201R817 12,623 119,208 SH   SOLE   0 0 119,208
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 23,546 295,624 SH   SOLE   0 0 295,624
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 19,040 429,875 SH   SOLE   0 0 429,875
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,308 244,483 SH   SOLE   0 0 244,483
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,199 198,176 SH   SOLE   0 0 198,176
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 14,850 273,486 SH   SOLE   0 0 273,486
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 3,326 38,449 SH   SOLE   0 0 38,449
VANGUARD INDEX FDS SM CP VAL ETF 922908611 19,844 223,366 SH   SOLE   0 0 223,366
VANGUARD INDEX FDS MID CAP ETF 922908629 1,685 12,818 SH   SOLE   0 0 12,818
VANGUARD INDEX FDS VALUE ETF 922908744 2,973 33,338 SH   SOLE   0 0 33,338
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,684 14,610 SH   SOLE   0 0 14,610
VANGUARD WORLD FD ESG US STK ETF 921910733 352 7,697 SH   SOLE   0 0 7,697
VANGUARD WORLD FDS INF TECH ETF 92204A702 9,698 45,799 SH   SOLE   0 0 45,799