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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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFFIRM HLDGS INC COM CL A 00827B106   416,354 13,782 SH   SOLE   13,782 0 0
ALPHABET INC CAP STK CL A 02079K305   1,713,303 9,406 SH   SOLE   9,406 0 0
ALPHABET INC CAP STK CL C 02079K107   470,604 2,566 SH   SOLE   2,566 0 0
AMAZON COM INC COM 023135106   3,329,891 17,231 SH   SOLE   17,231 0 0
AMGEN INC COM 031162100   1,041,157 3,332 SH   SOLE   3,332 0 0
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   198,208 10,399 SH   SOLE   10,399 0 0
APPLE INC COM 037833100   7,172,252 34,053 SH   SOLE   34,053 0 0
ARISTA NETWORKS INC COM 040413106   525,720 1,500 SH   SOLE   1,500 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   357,956 350 SH   SOLE   350 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,387,188 3,410 SH   SOLE   3,410 0 0
BROADCOM INC COM 11135F101   375,694 234 SH   SOLE   234 0 0
CATERPILLAR INC COM 149123101   856,421 2,571 SH   SOLE   2,571 0 0
CISCO SYS INC COM 17275R102   304,064 6,400 SH   SOLE   6,400 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   417,057 4,161 SH   SOLE   4,161 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   752,033 8,142 SH   SOLE   8,142 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   900,116 40,783 SH   SOLE   40,783 0 0
EXXON MOBIL CORP COM 30231G102   345,245 2,999 SH   SOLE   2,999 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   213,044 1,992 SH   SOLE   1,992 0 0
HONEYWELL INTL INC COM 438516106   275,467 1,290 SH   SOLE   1,290 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   216,642 487 SH   SOLE   487 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,880,416 10,186 SH   SOLE   10,186 0 0
ISHARES GOLD TR ISHARES NEW 464285204   11,052,612 251,596 SH   SOLE   251,596 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   742,019 22,130 SH   SOLE   22,130 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   353,710 7,000 SH   SOLE   7,000 0 0
ISHARES TR COHEN STEER REIT 464287564   1,242,563 21,689 SH   SOLE   21,689 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   12,801,742 189,487 SH   SOLE   189,487 0 0
ISHARES TR CORE S&P SCP ETF 464287804   716,009 6,713 SH   SOLE   6,713 0 0
ISHARES TR CORE S&P US GWT 464287671   1,660,172 13,023 SH   SOLE   13,023 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,205,192 2,202 SH   SOLE   2,202 0 0
ISHARES TR CORE TOTAL USD 46434V613   3,926,761 86,837 SH   SOLE   86,837 0 0
ISHARES TR CORE US AGGBD ET 464287226   235,589 2,427 SH   SOLE   2,427 0 0
ISHARES TR EAFE GRWTH ETF 464288885   221,991 2,170 SH   SOLE   2,170 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,486,579 18,870 SH   SOLE   18,870 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,997,178 16,738 SH   SOLE   16,738 0 0
ISHARES TR EXPND TEC SC ETF 464287549   7,349,343 77,928 SH   SOLE   77,928 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   375,921 28,222 SH   SOLE   28,222 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   1,928,751 20,775 SH   SOLE   20,775 0 0
ISHARES TR ISHARES BIOTECH 464287556   1,725,084 12,568 SH   SOLE   12,568 0 0
ISHARES TR ISHARES SEMICDTR 464287523   415,818 1,686 SH   SOLE   1,686 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   923,345 18,020 SH   SOLE   18,020 0 0
ISHARES TR JPMORGAN USD EMG 464288281   614,582 6,946 SH   SOLE   6,946 0 0
ISHARES TR MSCI KLD400 SOC 464288570   1,599,863 15,406 SH   SOLE   15,406 0 0
ISHARES TR MSCI USA ESG SLC 464288802   354,415 3,154 SH   SOLE   3,154 0 0
ISHARES TR MSCI USA MMENTM 46432F396   614,035 3,151 SH   SOLE   3,151 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   574,266 3,363 SH   SOLE   3,363 0 0
ISHARES TR NATIONAL MUN ETF 464288414   2,175,751 20,420 SH   SOLE   20,420 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   10,058,973 27,596 SH   SOLE   27,596 0 0
ISHARES TR RUS MD CP GR ETF 464287481   393,398 3,565 SH   SOLE   3,565 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,745,235 13,589 SH   SOLE   13,589 0 0
ISHARES TR SELECT DIVID ETF 464287168   8,133,241 67,228 SH   SOLE   67,228 0 0
ISHARES TR SHORT TREAS BD 464288679   22,208,231 200,979 SH   SOLE   200,979 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   993,225 9,500 SH   SOLE   9,500 0 0
JOHNSON & JOHNSON COM 478160104   1,217,367 8,329 SH   SOLE   8,329 0 0
JPMORGAN CHASE & CO. COM 46625H100   361,439 1,787 SH   SOLE   1,787 0 0
LOCKHEED MARTIN CORP COM 539830109   233,550 500 SH   SOLE   500 0 0
MEDTRONIC PLC SHS G5960L103   213,934 2,718 SH   SOLE   2,718 0 0
MERCK & CO INC COM 58933Y105   554,872 4,482 SH   SOLE   4,482 0 0
MICROSOFT CORP COM 594918104   2,829,008 6,330 SH   SOLE   6,330 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   541,418 6,671 SH   SOLE   6,671 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   506,581 12,877 SH   SOLE   12,877 0 0
PALO ALTO NETWORKS INC COM 697435105   223,747 660 SH   SOLE   660 0 0
PEPSICO INC COM 713448108   385,112 2,335 SH   SOLE   2,335 0 0
PHILIP MORRIS INTL INC COM 718172109   709,310 7,000 SH   SOLE   7,000 0 0
PROCTER AND GAMBLE CO COM 742718109   665,122 4,033 SH   SOLE   4,033 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   256,695 6,681 SH   SOLE   6,681 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   234,827 6,600 SH   SOLE   6,600 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   262,790 5,460 SH   SOLE   5,460 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,282,405 42,212 SH   SOLE   42,212 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   367,763 3,647 SH   SOLE   3,647 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,098,077 40,340 SH   SOLE   40,340 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   269,638 1,850 SH   SOLE   1,850 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   474,631 2,098 SH   SOLE   2,098 0 0
SOUTHERN CO COM 842587107   1,094,435 14,109 SH   SOLE   14,109 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,532,806 7,129 SH   SOLE   7,129 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,219,418 4,078 SH   SOLE   4,078 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   269,612 2,860 SH   SOLE   2,860 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   228,960 9,000 SH   SOLE   9,000 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,339,354 2,630 SH   SOLE   2,630 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   449,710 13,254 SH   SOLE   13,254 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,445,015 46,001 SH   SOLE   46,001 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,571,048 22,351 SH   SOLE   22,351 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   8,912,930 116,205 SH   SOLE   116,205 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   16,280,026 226,071 SH   SOLE   226,071 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   346,141 7,112 SH   SOLE   7,112 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   88,018,919 235,477 SH   SOLE   235,477 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   490,753 1,966 SH   SOLE   1,966 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,693,657 11,734 SH   SOLE   11,734 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,926,515 19,454 SH   SOLE   19,454 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   3,870,406 15,987 SH   SOLE   15,987 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,457,800 53,242 SH   SOLE   53,242 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,841,795 15,680 SH   SOLE   15,680 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,919,174 32,458 SH   SOLE   32,458 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,492,575 25,191 SH   SOLE   25,191 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,803,870 10,481 SH   SOLE   10,481 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   15,749,983 98,499 SH   SOLE   98,499 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,247,331 21,271 SH   SOLE   21,271 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,362,872 53,996 SH   SOLE   53,996 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   839,366 12,571 SH   SOLE   12,571 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   435,328 5,869 SH   SOLE   5,869 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,864,436 100,215 SH   SOLE   100,215 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,626,871 32,466 SH   SOLE   32,466 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   15,004,043 187,715 SH   SOLE   187,715 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,448,889 85,010 SH   SOLE   85,010 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,919,602 67,591 SH   SOLE   67,591 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   24,009,929 310,746 SH   SOLE   310,746 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   369,049 3,934 SH   SOLE   3,934 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   10,281,317 56,321 SH   SOLE   56,321 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   31,012,071 514,549 SH   SOLE   514,549 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,406,246 28,455 SH   SOLE   28,455 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   684,398 10,879 SH   SOLE   10,879 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   49,451,995 416,965 SH   SOLE   416,965 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884   1,454,477 10,524 SH   SOLE   10,524 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   1,460,909 4,677 SH   SOLE   4,677 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   4,379,064 76,463 SH   SOLE   76,463 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   3,858,241 39,932 SH   SOLE   39,932 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405   415,301 4,158 SH   SOLE   4,158 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   7,454,384 28,024 SH   SOLE   28,024 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   22,901,839 39,750 SH   SOLE   39,750 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   1,007,357 3,206 SH   SOLE   3,206 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876   428,826 2,899 SH   SOLE   2,899 0 0
WALMART INC COM 931142103   1,365,643 20,169 SH   SOLE   20,169 0 0