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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 16,256 289,292 SH   SOLE   0 0 289,292
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 13,165 249,981 SH   SOLE   0 0 249,981
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,072 14,215 SH   SOLE   0 0 14,215
ISHARES TR ESG MSCI USA SML 46435U663 266 10,630 SH   SOLE   0 0 10,630
VANGUARD WORLD FDS INF TECH ETF 92204A702 12,806 45,826 SH   SOLE   0 0 45,826
ISHARES TR IBOXX INV CP ETF 464287242 2,497 18,579 SH   SOLE   0 0 18,579
FIDELITY COVINGTON TR MSCI INFO TECH I 316092808 1,845 22,433 SH   SOLE   0 0 22,433
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 29,710 292,495 SH   SOLE   0 0 292,495
VANGUARD INDEX FDS SM CP VAL ETF 922908611 24,744 231,587 SH   SOLE   0 0 231,587
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 13,254 202,751 SH   SOLE   0 0 202,751
VANGUARD INDEX FDS MID CAP ETF 922908629 2,044 12,484 SH   SOLE   0 0 12,484
VANGUARD INDEX FDS VALUE ETF 922908744 3,327 33,397 SH   SOLE   0 0 33,397
PIMCO ETF TR INV GRD CRP BD 72201R817 13,891 121,567 SH   SOLE   0 0 121,567
VANGUARD INDEX FDS GROWTH ETF 922908736 213 1,052 SH   SOLE   0 0 1,052
VANGUARD INDEX FDS SML CP GRW ETF 922908595 229 1,151 SH   SOLE   0 0 1,151
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 22,212 443,196 SH   SOLE   0 0 443,196
VANGUARD WORLD FD ESG US STK ETF 921910733 436 7,725 SH   SOLE   0 0 7,725
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 260 6,258 SH   SOLE   0 0 6,258
APPLE INC COM 037833100 444 1,217 SH   SOLE   0 0 1,217
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 3,850 36,889 SH   SOLE   0 0 36,889
KEURIG DR PEPPER INC COM 49271V100 267 9,391 SH   SOLE   0 0 9,391