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
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 223 1,275 SH   SOLE 1,275 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 222 953 SH   SOLE 953 0 0
ALPHABET INC CAP STK CL A 02079K305 631 360 SH   SOLE 360 0 0
AMAZON COM INC COM 023135106 2,423 744 SH   SOLE 744 0 0
AMGEN INC COM 031162100 345 1,500 SH   SOLE 1,500 0 0
ANNALY CAP MGMT INC COM 035710409 202 23,850 SH   SOLE 23,850 0 0
APPLE INC COM 037833100 5,296 39,914 SH   SOLE 39,914 0 0
ARISTA NETWORKS INC COM 040413106 1,249 4,300 SH   SOLE 4,300 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 378 1,630 SH   SOLE 1,630 0 0
CATERPILLAR INC DEL COM 149123101 673 3,700 SH   SOLE 3,700 0 0
CISCO SYS INC COM 17275R102 376 8,400 SH   SOLE 8,400 0 0
CVS HEALTH CORP COM 126650100 383 5,605 SH   SOLE 5,605 0 0
DISNEY WALT CO COM DISNEY 254687106 266 1,470 SH   SOLE 1,470 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 400 4,374 SH   SOLE 4,374 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 449 4,923 SH   SOLE 4,923 0 0
FIRST TR EXCHANGE TRADED FD NY ARCA BIOTECH 33733E203 246 1,465 SH   SOLE 1,465 0 0
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 409 5,399 SH   SOLE 5,399 0 0
HONEYWELL INTL INC COM 438516106 266 1,251 SH   SOLE 1,251 0 0
INTEL CORP COM 458140100 389 7,803 SH   SOLE 7,803 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 227 1,780 SH   SOLE 1,780 0 0
Invesco Qqq Trust Common 73935A104 4,129 13,159 SH   SOLE 13,159 0 0
ISHARES GOLD TRUST ISHARES 464285105 6,181 340,944 SH   SOLE 340,944 0 0
ISHARES INC MSCI EM ESG OPZ 46434G863 1,770 42,170 SH   SOLE 42,170 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 497 16,655 SH   SOLE 16,655 0 0
ISHARES TR COHEN STEER REIT 464287564 1,170 21,710 SH   SOLE 21,710 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 9,162 136,358 SH   SOLE 136,358 0 0
ISHARES TR CORE S&P SCP ETF 464287804 692 7,532 SH   SOLE 7,532 0 0
ISHARES TR CORE S&P US GWT 464287671 1,637 18,457 SH   SOLE 18,457 0 0
ISHARES TR CORE S&P500 ETF 464287200 555 1,478 SH   SOLE 1,478 0 0
ISHARES TR EAFE GRWTH ETF 464288885 315 3,125 SH   SOLE 3,125 0 0
ISHARES TR ETF MSCI USA 46435G425 1,000 11,624 SH   SOLE 11,624 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 1,104 39,092 SH   SOLE 39,092 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 1,700 22,243 SH   SOLE 22,243 0 0
ISHARES TR JPMORGAN USD EMG 464288281 867 7,483 SH   SOLE 7,483 0 0
ISHARES TR MSCI EAFE ESG OP 46435G516 1,414 19,356 SH   SOLE 19,356 0 0
ISHARES TR MSCI KLD400 SOC 464288570 943 13,188 SH   SOLE 13,188 0 0
ISHARES TR MSCI USA ESG SLC 464288802 224 2,720 SH   SOLE 2,720 0 0
ISHARES TR N AMER TECH ETF 464287549 5,380 15,379 SH   SOLE 15,379 0 0
ISHARES TR NASDAQ BIOTECH 464287556 1,893 12,495 SH   SOLE 12,495 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,541 21,680 SH   SOLE 21,680 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 6,436 26,691 SH   SOLE 26,691 0 0
ISHARES TR RUS MD CP GR ETF 464287481 354 3,450 SH   SOLE 3,450 0 0
ISHARES TR S&P 500 VAL ETF 464287408 635 4,960 SH   SOLE 4,960 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,727 15,128 SH   SOLE 15,128 0 0
ISHARES TR S&P US PFD STK 464288687 248 6,429 SH   SOLE 6,429 0 0
ISHARES TR SELECT DIVID ETF 464287168 7,506 78,043 SH   SOLE 78,043 0 0
ISHARES TR SHORT TREAS BD 464288679 5,008 45,305 SH   SOLE 45,305 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,027 9,500 SH   SOLE 9,500 0 0
ISHARES TR ULTR SH TRM BD 46434V878 328 6,500 SH   SOLE 6,500 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 1,625 10,075 SH   SOLE 10,075 0 0
ISHARES TR USA QUALITY FCTR 46432F339 1,543 13,277 SH   SOLE 13,277 0 0
JOHNSON & JOHNSON COM 478160104 1,380 8,771 SH   SOLE 8,771 0 0
LOCKHEED MARTIN CORP COM 539830109 237 669 SH   SOLE 669 0 0
MEDTRONIC PLC SHS G5960L103 317 2,705 SH   SOLE 2,705 0 0
MERCK & CO INC COM 58933Y105 269 3,294 SH   SOLE 3,294 0 0
MICROSOFT CORP COM 594918104 1,057 4,754 SH   SOLE 4,754 0 0
Nestle S A F Sponsored Adr Common 641069406 267 2,265 SH   SOLE 2,265 0 0
NUSHARES ETF TR ESG SMALL CAP 67092P607 393 10,262 SH   SOLE 10,262 0 0
PEPSICO INC COM 713448108 371 2,499 SH   SOLE 2,499 0 0
PHILIP MORRIS INTL INC COM 718172109 774 9,350 SH   SOLE 9,350 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 254 2,250 SH   SOLE 2,250 0 0
PROCTER AND GAMBLE CO COM 742718109 652 4,684 SH   SOLE 4,684 0 0
Rio Tinto Plc F Sponsored Adr Common G75754104 226 3,000 SH   SOLE 3,000 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 373 10,371 SH   SOLE 10,371 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 241 6,402 SH   SOLE 6,402 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,249 35,067 SH   SOLE 35,067 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,921 47,054 SH   SOLE 47,054 0 0
Snowflake Inc Class A Common 833445109 1,446 5,138 SH   SOLE 5,138 0 0
SOUTHERN CO COM 842587107 868 14,124 SH   SOLE 14,124 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 888 4,978 SH   SOLE 4,978 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,788 4,781 SH   SOLE 4,781 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 247 2,700 SH   SOLE 2,700 0 0
SPDR SERIES TRUST NUV HGHYLD MUN 78464A284 265 4,500 SH   SOLE 4,500 0 0
Tencent Holdings F Sponsored Adr Common 88032Q109 252 3,500 SH   SOLE 3,500 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 1,269 35,242 SH   SOLE 35,242 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 3,809 41,023 SH   SOLE 41,023 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 2,151 19,622 SH   SOLE 19,622 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 6,449 77,793 SH   SOLE 77,793 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 4,612 52,296 SH   SOLE 52,296 0 0
VANGUARD GROUP DIV APP ETF 921908844 7,810 55,320 SH   SOLE 55,320 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 45,398 179,198 SH   SOLE 179,198 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,024 14,258 SH   SOLE 14,258 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,437 20,486 SH   SOLE 20,486 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,910 9,237 SH   SOLE 9,237 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,118 24,939 SH   SOLE 24,939 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,270 9,515 SH   SOLE 9,515 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,753 19,359 SH   SOLE 19,359 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,194 16,406 SH   SOLE 16,406 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 325 1,215 SH   SOLE 1,215 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,136 5,834 SH   SOLE 5,834 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 10,000 84,065 SH   SOLE 84,065 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 955 16,368 SH   SOLE 16,368 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,065 61,159 SH   SOLE 61,159 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 502 8,335 SH   SOLE 8,335 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 488 6,126 SH   SOLE 6,126 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,408 66,692 SH   SOLE 66,692 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 259 4,700 SH   SOLE 4,700 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 9,419 96,967 SH   SOLE 96,967 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 8,751 78,792 SH   SOLE 78,792 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 6,631 107,641 SH   SOLE 107,641 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 9,321 111,968 SH   SOLE 111,968 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 16,093 267,504 SH   SOLE 267,504 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 859 18,193 SH   SOLE 18,193 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 499 6,058 SH   SOLE 6,058 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 25,147 274,796 SH   SOLE 274,796 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,842 31,084 SH   SOLE 31,084 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 1,887 26,886 SH   SOLE 26,886 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,341 6,581 SH   SOLE 6,581 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 4,225 18,886 SH   SOLE 18,886 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 12,825 36,250 SH   SOLE 36,250 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 224 1,635 SH   SOLE 1,635 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 320 5,439 SH   SOLE 5,439 0 0
WALMART INC COM 931142103 1,226 8,505 SH   SOLE 8,505 0 0