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
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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
AMAZON COM INC COM 023135106   619,353 5,481 SH   SOLE 0 0 0 5,481
APPLE INC COM 037833100   1,986,337 14,373 SH   SOLE 0 0 0 14,373
BALL CORP COM 058498106   219,622 4,545 SH   SOLE 0 0 0 4,545
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,015,744 3,804 SH   SOLE 0 0 0 3,804
CUMMINS INC COM 231021106   275,559 1,354 SH   SOLE 0 0 0 1,354
DBX ETF TR XTRACK MUN INFRA 233051705   235,076 10,144 SH   SOLE 0 0 0 10,144
HOME DEPOT INC COM 437076102   225,045 816 SH   SOLE 0 0 0 816
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882   2,015,501 95,161 SH   SOLE 0 0 0 95,161
INVESCO QQQ TR UNIT SER 1 46090E103   6,122,416 22,908 SH   SOLE 0 0 0 22,908
ISHARES INC MSCI GBL MIN VOL 464286525   6,456,161 72,902 SH   SOLE 0 0 0 72,902
ISHARES TR MSCI USA MIN VOL 46429B697   7,147,135 108,126 SH   SOLE 0 0 0 108,126
ISHARES TR MSCI USA MMENTM 46432F396   6,352,284 48,426 SH   SOLE 0 0 0 48,426
ISHARES TR 0-5YR HI YL CP 46434V407   14,042,424 351,588 SH   SOLE 0 0 0 351,588
ISHARES TR MSCI GBL SUS DEV 46435G532   236,097 3,331 SH   SOLE 0 0 0 3,331
ISHARES TR ESG AWR MSCI USA 46435G425   733,197 9,233 SH   SOLE 0 0 0 9,233
ISHARES TR ESG AWR US AGRGT 46435U549   685,112 14,753 SH   SOLE 0 0 0 14,753
ISHARES TR USD GRN BOND ETF 46435U440   229,119 5,028 SH   SOLE 0 0 0 5,028
ISHARES TR RUS 1000 ETF 464287622   323,590 1,640 SH   SOLE 0 0 0 1,640
ISHARES TR RUS 1000 GRW ETF 464287614   431,696 2,052 SH   SOLE 0 0 0 2,052
ISHARES TR RUSSELL 2000 ETF 464287655   256,618 1,556 SH   SOLE 0 0 0 1,556
ISHARES TR RUSSELL 3000 ETF 464287689   1,041,245 5,029 SH   SOLE 0 0 0 5,029
ISHARES TR RUS MD CP GR ETF 464287481   222,099 2,832 SH   SOLE 0 0 0 2,832
ISHARES TR RUS MDCP VAL ETF 464287473   209,453 2,181 SH   SOLE 0 0 0 2,181
ISHARES TR SHRT NAT MUN ETF 464288158   262,622 2,558 SH   SOLE 0 0 0 2,558
ISHARES TR PFD AND INCM SEC 464288687   293,829 9,278 SH   SOLE 0 0 0 9,278
JOHNSON & JOHNSON COM 478160104   289,937 1,775 SH   SOLE 0 0 0 1,775
JPMORGAN CHASE & CO COM 46625H100   402,894 3,855 SH   SOLE 0 0 0 3,855
LILLY ELI & CO COM 532457108   201,260 622 SH   SOLE 0 0 0 622
META PLATFORMS INC CL A 30303M102   204,063 1,504 SH   SOLE 0 0 0 1,504
MICROSOFT CORP COM 594918104   440,153 1,890 SH   SOLE 0 0 0 1,890
PROCTER AND GAMBLE CO COM 742718109   538,572 4,266 SH   SOLE 0 0 0 4,266
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   13,737,642 303,192 SH   SOLE 0 0 0 303,192
SPDR S&P 500 ETF TR TR UNIT 78462F103   204,104 571 SH   SOLE 0 0 0 571
SPDR SER TR NUVEEN BLOOMBERG 78464A284   236,014 4,925 SH   SOLE 0 0 0 4,925
SPDR SER TR BLOOMBERG HIGH Y 78468R622   328,201 3,736 SH   SOLE 0 0 0 3,736
TESLA INC COM 88160R101   271,616 1,024 SH   SOLE 0 0 0 1,024
THERMO FISHER SCIENTIFIC INC COM 883556102   204,036 402 SH   SOLE 0 0 0 402
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   63,270 11,359 SH   SOLE 0 0 0 11,359
UNITEDHEALTH GROUP INC COM 91324P102   293,968 582 SH   SOLE 0 0 0 582
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   371,371 5,206 SH   SOLE 0 0 0 5,206
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   307,023 3,830 SH   SOLE 0 0 0 3,830
VANGUARD INDEX FDS GROWTH ETF 922908736   760,599 3,555 SH   SOLE 0 0 0 3,555
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,510,333 13,738 SH   SOLE 0 0 0 13,738
VANGUARD INDEX FDS TOTAL STK MKT 922908769   307,255 1,712 SH   SOLE 0 0 0 1,712
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   6,856,102 50,726 SH   SOLE 0 0 0 50,726
VANGUARD STAR FDS VG TL INTL STK F 921909768   255,848 5,590 SH   SOLE 0 0 0 5,590
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   393,821 4,151 SH   SOLE 0 0 0 4,151
VANGUARD WORLD FD ESG INTL STK ETF 921910725   222,651 5,125 SH   SOLE 0 0 0 5,125
WATERS CORP COM 941848103   233,683 867 SH   SOLE 0 0 0 867