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
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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
3M CO COM 88579Y101 BBG001S5T7X2 204,823 1,708 SH   SOLE   0 0 1,708
ABBOTT LABS COM 002824100 BBG001S5N9M6 219,580 2,000 SH   SOLE   0 0 2,000
ALTERYX INC NOTE 0.500% 8/0 02156BAD5   14,781 16,000 PRN   SOLE   0 0 16,000
AMAZON COM INC COM 023135106 BBG001S5PQL7 227,265 2,706 SH   SOLE   0 0 2,706
APPLE INC COM 037833100 BBG001S5N8V8 971,357 7,476 SH   SOLE   0 0 7,476
AT&T INC COM 00206R102 BBG001S5VWH2 270,633 14,700 SH   SOLE   0 0 14,700
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 590,926 1,913 SH   SOLE   0 0 1,913
BLOCK INC NOTE 5/0 852234AJ2   13,093 16,000 PRN   SOLE   0 0 16,000
CHEGG INC NOTE 9/0 163092AF6   10,997 14,000 PRN   SOLE   0 0 14,000
COCA COLA CO COM 191216100 BBG001S5SMQ8 271,042 4,261 SH   SOLE   0 0 4,261
DEXCOM INC NOTE 0.250%11/1 252131AK3   16,287 15,000 PRN   SOLE   0 0 15,000
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 301,118 13,999 SH   SOLE   0 0 13,999
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 242,157 5,254 SH   SOLE   0 0 5,254
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 441,410 18,180 SH   SOLE   0 0 18,180
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 910,909 43,069 SH   SOLE   0 0 43,069
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 266,595 2,417 SH   SOLE   0 0 2,417
HOME DEPOT INC COM 437076102 BBG001S5RTW7 556,304 1,761 SH   SOLE   0 0 1,761
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 BBG001SNPT69 257,376 6,715 SH   SOLE   0 0 6,715
ISHARES INC MSCI GBL ETF NEW 46434G848 BBG002GKR9K2 481,258 11,738 SH   SOLE   0 0 11,738
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 5,096,218 52,560 SH   SOLE   0 0 52,560
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,260,992 5,213 SH   SOLE   0 0 5,213
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 22,427,919 236,981 SH   SOLE   0 0 236,981
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 364,894 4,303 SH   SOLE   0 0 4,303
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 813,495 2,117 SH   SOLE   0 0 2,117
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 26,375,506 271,940 SH   SOLE   0 0 271,940
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,257,015 19,121 SH   SOLE   0 0 19,121
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 250,315 7,613 SH   SOLE   0 0 7,613
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 1,814,540 38,822 SH   SOLE   0 0 38,822
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 223,854 7,875 SH   SOLE   0 0 7,875
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 2,144,143 29,121 SH   SOLE   0 0 29,121
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 273,784 4,171 SH   SOLE   0 0 4,171
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 610,546 6,057 SH   SOLE   0 0 6,057
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 1,383,577 18,574 SH   SOLE   0 0 18,574
MICROSOFT CORP COM 594918104 BBG001S5TD05 742,787 3,097 SH   SOLE   0 0 3,097
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 377,872 4,520 SH   SOLE   0 0 4,520
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 3,841,468 42,457 SH   SOLE   0 0 42,457
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 BBG005VLSHH1 30,025,581 318,540 SH   SOLE   0 0 318,540
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 435,892 18,415 SH   SOLE   0 0 18,415
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 4,296,464 133,389 SH   SOLE   0 0 133,389
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 562,087 12,544 SH   SOLE   0 0 12,544
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 18,632,807 283,993 SH   SOLE   0 0 283,993
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 3,904,107 96,374 SH   SOLE   0 0 96,374
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 2,002,238 15,502 SH   SOLE   0 0 15,502
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 4,644,167 62,296 SH   SOLE   0 0 62,296
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 304,013 2,443 SH   SOLE   0 0 2,443
SHOPIFY INC NOTE 0.125%11/0 82509LAA5   13,606 16,000 PRN   SOLE   0 0 16,000
SOUTHERN CO COM 842587107 BBG001S5W777 393,489 5,510 SH   SOLE   0 0 5,510
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 1,259,204 38,204 SH   SOLE   0 0 38,204
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 648,284 1,695 SH   SOLE   0 0 1,695
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 8,231,982 280,190 SH   SOLE   0 0 280,190
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 373,160 9,428 SH   SOLE   0 0 9,428
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 398,729 1,871 SH   SOLE   0 0 1,871
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 5,147,928 25,258 SH   SOLE   0 0 25,258
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 7,890,889 95,670 SH   SOLE   0 0 95,670
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 12,208,035 34,747 SH   SOLE   0 0 34,747
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,846,412 10,060 SH   SOLE   0 0 10,060
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 10,646,605 55,686 SH   SOLE   0 0 55,686
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 255,915 5,104 SH   SOLE   0 0 5,104
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 30,360,324 649,975 SH   SOLE   0 0 649,975
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 5,303,885 102,550 SH   SOLE   0 0 102,550
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 41,858,036 997,332 SH   SOLE   0 0 997,332
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 206,893 4,206 SH   SOLE   0 0 4,206
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 BBG001SHVTQ3 6,701,896 30,599 SH   SOLE   0 0 30,599
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 BBG001SHVR41 20,214,646 105,521 SH   SOLE   0 0 105,521
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 19,247,552 60,260 SH   SOLE   0 0 60,260
VANGUARD WORLD FDS UTILITIES ETF 92204A876 BBG001SHVTP4 237,861 1,551 SH   SOLE   0 0 1,551
WALMART INC COM 931142103 BBG001S5XH92 212,160 1,496 SH   SOLE   0 0 1,496
WESTERN DIGITAL CORP. NOTE 1.500% 2/0 958102AP0   15,249 16,000 PRN   SOLE   0 0 16,000
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 10,562,087 395,880 SH   SOLE   0 0 395,880
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 278,103 7,803 SH   SOLE   0 0 7,803
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 3,277,463 56,547 SH   SOLE   0 0 56,547