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
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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
ABBVIE INC COM 00287Y109   259 1,393 SH   SOLE   0 0 1,393
AMAZON COM INC COM 023135106   247 1,126 SH   SOLE   0 0 1,126
APPLE INC COM 037833100   721 3,513 SH   SOLE   0 0 3,513
CHUBB LIMITED COM H1467J104   377 1,300 SH   SOLE   0 0 1,300
COCA COLA CO COM 191216100   213 3,016 SH   SOLE   0 0 3,016
INTERNATIONAL BUSINESS MACHS COM 459200101   463 1,570 SH   SOLE   0 0 1,570
ISHARES TR CORE S&P US GWT 464287671   690 4,588 SH   SOLE   0 0 4,588
ISHARES TR CORE S&P500 ETF 464287200   44,921 72,349 SH   SOLE   0 0 72,349
ISHARES TR MSCI EAFE ETF 464287465   9,718 108,709 SH   SOLE   0 0 108,709
ISHARES TR NATIONAL MUN ETF 464288414   1,394 13,343 SH   SOLE   0 0 13,343
ISHARES TR ESG MSCI USA ETF 46436E767   425 7,884 SH   SOLE   0 0 7,884
ISHARES TR S&P SML 600 GWT 464287887   251 1,888 SH   SOLE   0 0 1,888
ISHARES TR CORE S&P SCP ETF 464287804   2,109 19,301 SH   SOLE   0 0 19,301
ISHARES TR CORE S&P MCP ETF 464287507   4,889 78,826 SH   SOLE   0 0 78,826
ISHARES TR RUS MID CAP ETF 464287499   303 3,293 SH   SOLE   0 0 3,293
ISHARES TR MSCI EMG MKT ETF 464287234   460 9,527 SH   SOLE   0 0 9,527
ISHARES TR ESG MSCI KLD 400 464288570   352 3,029 SH   SOLE   0 0 3,029
ISHARES TR ESG EAFE ETF 46436E759   358 4,804 SH   SOLE   0 0 4,804
ISHARES TR SHRT NAT MUN ETF 464288158   337 3,172 SH   SOLE   0 0 3,172
ISHARES TR S&P 500 VAL ETF 464287408   212 1,084 SH   SOLE   0 0 1,084
ISHARES TR S&P 500 GRWT ETF 464287309   982 8,920 SH   SOLE   0 0 8,920
JOHNSON & JOHNSON COM 478160104   497 3,256 SH   SOLE   0 0 3,256
JPMORGAN CHASE & CO. COM 46625H100   437 1,507 SH   SOLE   0 0 1,507
MASTERCARD INCORPORATED CL A 57636Q104   226 403 SH   SOLE   0 0 403
MICROSOFT CORP COM 594918104   1,030 2,071 SH   SOLE   0 0 2,071
PROCTER AND GAMBLE CO COM 742718109   202 1,267 SH   SOLE   0 0 1,267
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   254 10,605 SH   SOLE   0 0 10,605
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,657 391,711 SH   SOLE   0 0 391,711
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   23,666 968,329 SH   SOLE   0 0 968,329
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   7,525 283,956 SH   SOLE   0 0 283,956
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   9,217 315,531 SH   SOLE   0 0 315,531
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,331 57,283 SH   SOLE   0 0 57,283
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,956 77,293 SH   SOLE   0 0 77,293
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,873 138,064 SH   SOLE   0 0 138,064
SHERWIN WILLIAMS CO COM 824348106   1,608 4,683 SH   SOLE   0 0 4,683
SPDR S&P 500 ETF TR TR UNIT 78462F103   715 1,157 SH   SOLE   0 0 1,157
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,468 4,356 SH   SOLE   0 0 4,356
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409   11,826 124,068 SH   SOLE   0 0 124,068
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853   2,940 69,010 SH   SOLE   0 0 69,010
UNION PAC CORP COM 907818108   498 2,165 SH   SOLE   0 0 2,165
VANGUARD BD INDEX FDS INTERMED TERM 921937819   46,438 600,438 SH   SOLE   0 0 600,438
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   21,339 271,146 SH   SOLE   0 0 271,146
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,716 34,655 SH   SOLE   0 0 34,655
VANGUARD INDEX FDS MID CAP ETF 922908629   376 1,345 SH   SOLE   0 0 1,345
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,580 15,105 SH   SOLE   0 0 15,105
VANGUARD INDEX FDS SML CP GRW ETF 922908595   243 877 SH   SOLE   0 0 877
VANGUARD INDEX FDS SM CP VAL ETF 922908611   278 1,427 SH   SOLE   0 0 1,427
VANGUARD INDEX FDS GROWTH ETF 922908736   1,576 3,595 SH   SOLE   0 0 3,595
VANGUARD INDEX FDS LARGE CAP ETF 922908637   6,588 23,093 SH   SOLE   0 0 23,093
VANGUARD INDEX FDS VALUE ETF 922908744   584 3,302 SH   SOLE   0 0 3,302
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   28,485 423,761 SH   SOLE   0 0 423,761
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   5,269 39,205 SH   SOLE   0 0 39,205
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   10,374 130,493 SH   SOLE   0 0 130,493
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   346 5,879 SH   SOLE   0 0 5,879
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   8,265 61,995 SH   SOLE   0 0 61,995