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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
Estimated average burden
hours per response: 23.8
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   513,935 8,439 SH   SOLE   8,439 0 0
ALPHABET INC CAP STK CL A 02079K305   1,839,996 9,720 SH   SOLE   9,720 0 0
ALPHABET INC CAP STK CL C 02079K107   488,616 2,566 SH   SOLE   2,566 0 0
ALTRIA GROUP INC COM 02209S103   495,082 9,468 SH   SOLE   9,468 0 0
AMAZON COM INC COM 023135106   3,566,184 16,255 SH   SOLE   16,255 0 0
AMERIPRISE FINL INC COM 03076C106   212,972 400 SH   SOLE   400 0 0
AMGEN INC COM 031162100   868,640 3,333 SH   SOLE   3,333 0 0
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   410,774 22,447 SH   SOLE   22,447 0 0
APPLE INC COM 037833100   7,843,456 31,321 SH   SOLE   31,321 0 0
ARISTA NETWORKS INC COMMON 040413106   243,166 2,200 SH   SOLE   2,200 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   242,578 350 SH   SOLE   350 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,545,685 3,410 SH   SOLE   3,410 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   866,305 23,852 SH   SOLE   23,852 0 0
BROADCOM INC COM 11135F101   547,374 2,361 SH   SOLE   2,361 0 0
CATERPILLAR INC COM 149123101   925,427 2,551 SH   SOLE   2,551 0 0
CHEVRON CORP NEW COM 166764100   232,323 1,604 SH   SOLE   1,604 0 0
CISCO SYS INC COM 17275R102   383,142 6,472 SH   SOLE   6,472 0 0
COSTCO WHSL CORP NEW COM 22160K105   287,709 314 SH   SOLE   314 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   602,717 8,142 SH   SOLE   8,142 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   983,112 39,246 SH   SOLE   39,246 0 0
EXXON MOBIL CORP COM 30231G102   322,602 2,999 SH   SOLE   2,999 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   229,439 1,992 SH   SOLE   1,992 0 0
HOME DEPOT INC COM 437076102   271,904 699 SH   SOLE   699 0 0
HONEYWELL INTL INC COM 438516106   280,104 1,240 SH   SOLE   1,240 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   233,316 447 SH   SOLE   447 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,954,701 9,692 SH   SOLE   9,692 0 0
ISHARES GOLD TR ISHARES NEW 464285204   12,258,379 247,594 SH   SOLE   247,594 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   623,892 18,685 SH   SOLE   18,685 0 0
ISHARES TR COHEN STEER REIT 464287564   1,247,623 20,704 SH   SOLE   20,704 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   12,970,583 196,108 SH   SOLE   196,108 0 0
ISHARES TR CORE S&P SCP ETF 464287804   753,539 6,540 SH   SOLE   6,540 0 0
ISHARES TR CORE S&P US GWT 464287671   1,636,805 11,746 SH   SOLE   11,746 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,282,940 2,179 SH   SOLE   2,179 0 0
ISHARES TR CORE TOTAL USD 46434V613   4,163,830 92,120 SH   SOLE   92,120 0 0
ISHARES TR CORE US AGGBD ET 464287226   246,707 2,546 SH   SOLE   2,546 0 0
ISHARES TR EAFE GRWTH ETF 464288885   206,732 2,135 SH   SOLE   2,135 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,519,298 19,954 SH   SOLE   19,954 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   2,193,676 17,029 SH   SOLE   17,029 0 0
ISHARES TR EXPND TEC SC ETF 464287549   8,046,195 78,815 SH   SOLE   78,815 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   231,299 20,325 SH   SOLE   20,325 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   1,709,342 19,883 SH   SOLE   19,883 0 0
ISHARES TR IBOXX HI YD ETF 464288513   320,341 4,073 SH   SOLE   4,073 0 0
ISHARES TR ISHARES BIOTECH 464287556   1,604,897 12,139 SH   SOLE   12,139 0 0
ISHARES TR ISHARES SEMICDTR 464287523   360,946 1,675 SH   SOLE   1,675 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   972,994 18,820 SH   SOLE   18,820 0 0
ISHARES TR JPMORGAN USD EMG 464288281   537,267 6,034 SH   SOLE   6,034 0 0
ISHARES TR MSCI KLD400 SOC 464288570   1,647,590 14,944 SH   SOLE   14,944 0 0
ISHARES TR MSCI USA ESG SLC 464288802   366,229 3,012 SH   SOLE   3,012 0 0
ISHARES TR MSCI USA MMENTM 46432F396   445,085 2,151 SH   SOLE   2,151 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   596,924 3,352 SH   SOLE   3,352 0 0
ISHARES TR NATIONAL MUN ETF 464288414   2,891,767 27,140 SH   SOLE   27,140 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   10,073,196 25,084 SH   SOLE   25,084 0 0
ISHARES TR RUS MD CP GR ETF 464287481   426,514 3,365 SH   SOLE   3,365 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,829,119 13,512 SH   SOLE   13,512 0 0
ISHARES TR SELECT DIVID ETF 464287168   8,723,521 66,445 SH   SOLE   66,445 0 0
ISHARES TR SHORT TREAS BD 464288679   28,033,505 254,595 SH   SOLE   254,595 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,318,500 12,500 SH   SOLE   12,500 0 0
ISHARES TR ULTRA SHORT-TERM 46434V878   353,010 7,000 SH   SOLE   7,000 0 0
JOHNSON & JOHNSON COM 478160104   1,219,002 8,429 SH   SOLE   8,429 0 0
JPMORGAN CHASE & CO. COM 46625H100   436,752 1,822 SH   SOLE   1,822 0 0
LOCKHEED MARTIN CORP COM 539830109   242,970 500 SH   SOLE   500 0 0
MARRIOTT INTL INC NEW CL A 571903202   1,320,781 4,735 SH   SOLE   4,735 0 0
MEDTRONIC PLC SHS G5960L103   219,750 2,751 SH   SOLE   2,751 0 0
MERCK & CO INC COM 58933Y105   561,167 5,641 SH   SOLE   5,641 0 0
MICROSOFT CORP COM 594918104   2,637,353 6,257 SH   SOLE   6,257 0 0
MONDELEZ INTL INC CL A 609207105   204,754 3,428 SH   SOLE   3,428 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   394,435 4,595 SH   SOLE   4,595 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   502,249 11,992 SH   SOLE   11,992 0 0
NVIDIA CORPORATION COM 67066G104   324,982 2,420 SH   SOLE   2,420 0 0
PALO ALTO NETWORKS INC COM 697435105   240,187 1,320 SH   SOLE   1,320 0 0
PEPSICO INC COM 713448108   357,797 2,353 SH   SOLE   2,353 0 0
PHILIP MORRIS INTL INC COM 718172109   1,444,080 11,999 SH   SOLE   11,999 0 0
PROCTER AND GAMBLE CO COM 742718109   679,150 4,051 SH   SOLE   4,051 0 0
S&P GLOBAL INC COM 78409V104   276,407 555 SH   SOLE   555 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   245,447 13,267 SH   SOLE   13,267 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   234,892 6,842 SH   SOLE   6,842 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   208,600 8,670 SH   SOLE   8,670 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,558,905 130,267 SH   SOLE   130,267 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   408,435 14,655 SH   SOLE   14,655 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,369,889 91,749 SH   SOLE   91,749 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   492,710 2,119 SH   SOLE   2,119 0 0
SOUTHERN CO COM 842587107   842,051 10,229 SH   SOLE   10,229 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,714,038 7,079 SH   SOLE   7,079 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,314,531 3,949 SH   SOLE   3,949 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   367,549 4,020 SH   SOLE   4,020 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   644,136 6,747 SH   SOLE   6,747 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   240,766 2,739 SH   SOLE   2,739 0 0
TESLA INC COM 88160R101   571,837 1,416 SH   SOLE   1,416 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,273,755 2,518 SH   SOLE   2,518 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   438,053 12,918 SH   SOLE   12,918 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,889,921 52,053 SH   SOLE   52,053 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,801,484 26,326 SH   SOLE   26,326 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   9,243,465 119,626 SH   SOLE   119,626 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   20,272,360 281,913 SH   SOLE   281,913 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   322,602 6,577 SH   SOLE   6,577 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   96,282,202 234,583 SH   SOLE   234,583 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   527,264 1,955 SH   SOLE   1,955 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   3,162,036 12,461 SH   SOLE   12,461 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,111,778 19,236 SH   SOLE   19,236 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   4,467,224 16,913 SH   SOLE   16,913 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,077,077 56,995 SH   SOLE   56,995 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,892,766 16,504 SH   SOLE   16,504 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,541,662 33,009 SH   SOLE   33,009 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,020,639 25,057 SH   SOLE   25,057 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,035,957 10,476 SH   SOLE   10,476 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   17,681,363 104,438 SH   SOLE   104,438 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,221,340 21,274 SH   SOLE   21,274 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,427,766 55,126 SH   SOLE   55,126 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   777,508 12,250 SH   SOLE   12,250 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   416,900 5,869 SH   SOLE   5,869 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,544,257 114,503 SH   SOLE   114,503 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,794,704 35,801 SH   SOLE   35,801 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   16,849,112 209,905 SH   SOLE   209,905 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,303,396 84,293 SH   SOLE   84,293 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   4,309,129 74,065 SH   SOLE   74,065 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   24,876,148 318,884 SH   SOLE   318,884 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   349,671 3,385 SH   SOLE   3,385 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   10,495,112 53,593 SH   SOLE   53,593 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   33,277,170 564,690 SH   SOLE   564,690 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,286,932 26,912 SH   SOLE   26,912 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   750,348 11,882 SH   SOLE   11,882 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   55,497,390 434,967 SH   SOLE   434,967 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884   1,598,484 10,315 SH   SOLE   10,315 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   1,806,392 4,812 SH   SOLE   4,812 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   4,667,498 82,319 SH   SOLE   82,319 0 0
VANGUARD WORLD FD ESG US CORP BD 921910691   627,069 10,116 SH   SOLE   10,116 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   4,245,852 40,479 SH   SOLE   40,479 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405   568,271 4,813 SH   SOLE   4,813 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   7,022,139 27,680 SH   SOLE   27,680 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   22,950,044 36,909 SH   SOLE   36,909 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   639,086 1,861 SH   SOLE   1,861 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876   757,942 4,638 SH   SOLE   4,638 0 0
WALMART INC COM 931142103   1,833,382 20,292 SH   SOLE   20,292 0 0