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
ABBOTT LABS COM 002824100 394 3,396 SH   SOLE   0 0 3,396
ABBVIE INC COM 00287Y109 575 5,101 SH   SOLE   0 0 5,101
ALPHABET INC CAP STK CL C 02079K107 236 94 SH   SOLE   0 0 94
ALPHABET INC CAP STK CL A 02079K305 342 140 SH   SOLE   0 0 140
ALTRIA GROUP INC COM 02209S103 386 8,100 SH   SOLE   0 0 8,100
AMAZON COM INC COM 023135106 1,562 454 SH   SOLE   0 0 454
AMERICAN EXPRESS CO COM 025816109 332 2,012 SH   SOLE   0 0 2,012
AMERICAN WTR WKS CO INC NEW COM 030420103 276 1,788 SH   SOLE   0 0 1,788
APPLE INC COM 037833100 3,649 26,646 SH   SOLE   0 0 26,646
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,396 5,024 SH   SOLE   0 0 5,024
CIGNA CORP NEW COM 125523100 284 1,199 SH   SOLE   0 0 1,199
CANADA GOOSE HLDGS INC SHS SUB VTG 135086106 219 5,000 SH   SOLE   0 0 5,000
COCA COLA CO COM 191216100 443 8,195 SH   SOLE   0 0 8,195
COSTCO WHSL CORP NEW COM 22160K105 717 1,813 SH   SOLE   0 0 1,813
DICKS SPORTING GOODS INC COM 253393102 466 4,653 SH   SOLE   0 0 4,653
DISNEY WALT CO COM 254687106 303 1,726 SH   SOLE   0 0 1,726
DOMINION ENERGY INC COM 25746U109 287 3,906 SH   SOLE   0 0 3,906
ECOLAB INC COM 278865100 247 1,200 SH   SOLE   0 0 1,200
EXXON MOBIL CORP COM 30231G102 559 8,866 SH   SOLE   0 0 8,866
FLEXSHARES TR MSTAR EMKT FAC 33939L308 1,806 27,789 SH   SOLE   0 0 27,789
FLEXSHARES TR MORNSTAR UPSTR 33939L407 2,525 65,952 SH   SOLE   0 0 65,952
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 735 26,233 SH   SOLE   0 0 26,233
FLEXSHARES TR STOXX GLOBR INF 33939L795 831 14,462 SH   SOLE   0 0 14,462
HOME DEPOT INC COM 437076102 908 2,846 SH   SOLE   0 0 2,846
HONEYWELL INTL INC COM 438516106 215 981 SH   SOLE   0 0 981
ILLINOIS TOOL WKS INC COM 452308109 246 1,101 SH   SOLE   0 0 1,101
INTEL CORP COM 458140100 253 4,512 SH   SOLE   0 0 4,512
INTERNATIONAL BUSINESS MACHS COM 459200101 262 1,786 SH   SOLE   0 0 1,786
INTUITIVE SURGICAL INC COM NEW 46120E602 230 250 SH   SOLE   0 0 250
ISHARES TR CORE S&P500 ETF 464287200 50,144 116,636 SH   SOLE   0 0 116,635
ISHARES TR CORE US AGGBD ET 464287226 6,738 58,421 SH   SOLE   0 0 58,421
ISHARES TR S&P 500 GRWT ETF 464287309 806 11,083 SH   SOLE   0 0 11,082
ISHARES TR MSCI EAFE ETF 464287465 382 4,841 SH   SOLE   0 0 4,840
ISHARES TR RUS MID CAP ETF 464287499 428 5,401 SH   SOLE   0 0 5,401
ISHARES TR CORE S&P MCP ETF 464287507 813 3,027 SH   SOLE   0 0 3,027
ISHARES TR CORE S&P SCP ETF 464287804 2,391 21,167 SH   SOLE   0 0 21,167
ISHARES TR SP SMCP600VL ETF 464287879 309 2,929 SH   SOLE   0 0 2,929
ISHARES TR IBOXX HI YD ETF 464288513 383 4,346 SH   SOLE   0 0 4,346
ISHARES TR CRE U S REIT ETF 464288521 46,190 791,736 SH   SOLE   0 0 791,735
ISHARES TR ESG AW MSCI EAFE 46435G516 754 9,540 SH   SOLE   0 0 9,539
ISHARES TR BROAD USD HIGH 46435U853 846 20,280 SH   SOLE   0 0 20,280
JPMORGAN CHASE & CO COM 46625H100 1,583 10,180 SH   SOLE   0 0 10,180
JOHNSON & JOHNSON COM 478160104 888 5,392 SH   SOLE   0 0 5,392
MARRIOTT INTL INC NEW CL A 571903202 276 2,020 SH   SOLE   0 0 2,020
MCDONALDS CORP COM 580135101 381 1,650 SH   SOLE   0 0 1,650
MICROSOFT CORP COM 594918104 4,473 16,511 SH   SOLE   0 0 16,511
MONDELEZ INTL INC CL A 609207105 336 5,389 SH   SOLE   0 0 5,389
NORFOLK SOUTHN CORP COM 655844108 326 1,229 SH   SOLE   0 0 1,229
NORTHROP GRUMMAN CORP COM 666807102 488 1,342 SH   SOLE   0 0 1,342
NOVO-NORDISK A S ADR 670100205 338 4,030 SH   SOLE   0 0 4,030
NVIDIA CORPORATION COM 67066G104 748 935 SH   SOLE   0 0 935
PEOPLES UNITED FINANCIAL INC COM 712704105 1,593 92,950 SH   SOLE   0 0 92,950
PEPSICO INC COM 713448108 696 4,694 SH   SOLE   0 0 4,694
PHILIP MORRIS INTL INC COM 718172109 793 8,000 SH   SOLE   0 0 8,000
PROCTER AND GAMBLE CO COM 742718109 793 5,877 SH   SOLE   0 0 5,877
QUALCOMM INC COM 747525103 320 2,241 SH   SOLE   0 0 2,241
RESMED INC COM 761152107 262 1,063 SH   SOLE   0 0 1,063
ROCKWELL AUTOMATION INC COM 773903109 275 960 SH   SOLE   0 0 960
SJW GROUP COM 784305104 250 3,946 SH   SOLE   0 0 3,946
SPDR S&P 500 ETF TR TR UNIT 78462F103 11,095 25,920 SH   SOLE   0 0 25,919
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,555 55,790 SH   SOLE   0 0 55,790
SHOPIFY INC CL A 82509L107 373 255 SH   SOLE   0 0 255
TARGET CORP COM 87612E106 317 1,310 SH   SOLE   0 0 1,310
TRUIST FINL CORP COM 89832Q109 522 9,409 SH   SOLE   0 0 9,409
VANGUARD STAR FDS VG TL INTL STK F 921909768 20,546 312,817 SH   SOLE   0 0 312,816
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 41,103 478,557 SH   SOLE   0 0 478,556
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,709 188,459 SH   SOLE   0 0 188,459
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 12,152 30,880 SH   SOLE   0 0 30,880
VANGUARD INDEX FDS SM CP VAL ETF 922908611 264 1,520 SH   SOLE   0 0 1,520
VANGUARD INDEX FDS MID CAP ETF 922908629 14,095 59,386 SH   SOLE   0 0 59,386
VANGUARD INDEX FDS LARGE CAP ETF 922908637 43,088 214,635 SH   SOLE   0 0 214,635
VANGUARD INDEX FDS SMALL CP ETF 922908751 15,843 70,327 SH   SOLE   0 0 70,326
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,756 16,856 SH   SOLE   0 0 16,855
VERIZON COMMUNICATIONS INC COM 92343V104 323 5,762 SH   SOLE   0 0 5,762
WASHINGTON TR BANCORP INC COM 940610108 282 5,500 SH   SOLE   0 0 5,500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 556 1,885 SH   SOLE   0 0 1,885
NXP SEMICONDUCTORS N V COM N6596X109 286 1,390 SH   SOLE   0 0 1,390