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
ISHARES TR BARCLAYS 7 10 YR 464287440 141 1,246 SH   SOLE   0 0 141
SPDR S&P 500 ETF TR TR UNIT 78462F103 304 766 SH   SOLE   0 0 304
ADVANCED DRAIN SYS INC DEL COM 00790R104 6 60 SH   SOLE   0 0 6
ISHARES TR S&P SML 600 GWT 464287887 136 1,058 SH   SOLE   0 0 136
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,823 234,521 SH   SOLE   0 0 8,823
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 674 13,145 SH   SOLE   0 0 674
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 24,222 252,236 SH   SOLE   0 0 24,222
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 13,654 105,208 SH   SOLE   0 0 13,654
ORACLE CORP COM 68389X105 73 1,037 SH   SOLE   0 0 73
OCCIDENTAL PETE CORP *W EXP 08/03/202 674599162 0 14 SH   SOLE   0 0 0
DOMINION ENERGY INC COM 25746U109 9 124 SH   SOLE   0 0 9
ISHARES TR RUS MID CAP ETF 464287499 456 6,173 SH   SOLE   0 0 456
CORTEVA INC COM 22052L104 39 839 SH   SOLE   0 0 39
ISHARES TR CORE S&P500 ETF 464287200 215 540 SH   SOLE   0 0 215
LAUDER ESTEE COS INC CL A 518439104 18 62 SH   SOLE   0 0 18
VANGUARD INDEX FDS SML CP GRW ETF 922908595 70 254 SH   SOLE   0 0 70
ISHARES TR RUSSELL 2000 ETF 464287655 13 60 SH   SOLE   0 0 13
ISHARES TR MSCI EMG MKT ETF 464287234 222 4,163 SH   SOLE   0 0 222
LOWES COS INC COM 548661107 63 332 SH   SOLE   0 0 63
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 10,600 172,296 SH   SOLE   0 0 10,600
SLACK TECHNOLOGIES INC COM CL A 83088V102 3 75 SH   SOLE   0 0 3
SPDR SER TR PORTFOLIO S&P500 78464A854 110 2,350 SH   SOLE   0 0 110
CHEMOURS CO COM 163851108 13 460 SH   SOLE   0 0 13
HONEYWELL INTL INC COM 438516106 19 89 SH   SOLE   0 0 19
SPDR SER TR S&P 600 SML CAP 78464A813 54 570 SH   SOLE   0 0 54
CATERPILLAR INC COM 149123101 64 276 SH   SOLE   0 0 64
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 30 594 SH   SOLE   0 0 30
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 92 1,831 SH   SOLE   0 0 92
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,020 27,698 SH   SOLE   0 0 2,020
TAL EDUCATION GROUP SPONSORED ADS 874080104 5 100 SH   SOLE   0 0 5
EXXON MOBIL CORP COM 30231G102 60 1,069 SH   SOLE   0 0 60
ISHARES TR SP SMCP600VL ETF 464287879 47 462 SH   SOLE   0 0 47
APPLE INC COM 037833100 517 4,233 SH   SOLE   0 0 517
GENERAL MLS INC COM 370334104 25 400 SH   SOLE   0 0 25
AMAZON COM INC COM 023135106 260 84 SH   SOLE   0 0 260
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,463 20,487 SH   SOLE   0 0 7,463
PROCTER AND GAMBLE CO COM 742718109 121 897 SH   SOLE   0 0 121
ALPHABET INC CAP STK CL A 02079K305 56 27 SH   SOLE   0 0 56
KIMBERLY-CLARK CORP COM 494368103 9 66 SH   SOLE   0 0 9
COHEN & STEERS INC COM 19247A100 28 421 SH   SOLE   0 0 28
CLOROX CO DEL COM 189054109 39 200 SH   SOLE   0 0 39
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 24 741 SH   SOLE   0 0 24
ISHARES TR GLB CNSM STP ETF 464288737 36 620 SH   SOLE   0 0 36
VANGUARD INDEX FDS LARGE CAP ETF 922908637 5,103 27,540 SH   SOLE   0 0 5,103
MASTERCARD INCORPORATED CL A 57636Q104 95 268 SH   SOLE   0 0 95
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 89 1,706 SH   SOLE   0 0 89
BIOGEN INC COM 09062X103 63 224 SH   SOLE   0 0 63
VIATRIS INC COM 92556V106 1 38 SH   SOLE   0 0 1
TESLA INC COM 88160R101 10 15 SH   SOLE   0 0 10
ISHARES TR CORE S&P US GWT 464287671 1,047 11,527 SH   SOLE   0 0 1,047
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 7,039 69,627 SH   SOLE   0 0 7,039
TRANSCONTINENTAL RLTY INVS COM NEW 893617209 2 79 SH   SOLE   0 0 2
COCA COLA CO COM 191216100 51 972 SH   SOLE   0 0 51
AMERICOLD RLTY TR COM 03064D108 8 200 SH   SOLE   0 0 8
HOME DEPOT INC COM 437076102 22 72 SH   SOLE   0 0 22
VANGUARD INDEX FDS GROWTH ETF 922908736 51 197 SH   SOLE   0 0 51
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 7 55 SH   SOLE   0 0 7
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,392 34,032 SH   SOLE   0 0 3,392
JPMORGAN CHASE & CO COM 46625H100 98 643 SH   SOLE   0 0 98
MCDONALDS CORP COM 580135101 15 65 SH   SOLE   0 0 15
DANAHER CORPORATION COM 235851102 51 228 SH   SOLE   0 0 51
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 38 284 SH   SOLE   0 0 38
ISHARES TR RUS MDCP VAL ETF 464287473 13 117 SH   SOLE   0 0 13
ISHARES TR CORE S&P SCP ETF 464287804 2,498 23,012 SH   SOLE   0 0 2,498
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 13,794 255,689 SH   SOLE   0 0 13,794
TARGET CORP COM 87612E106 20 101 SH   SOLE   0 0 20
ISHARES TR MSCI KLD400 SOC 464288570 132 1,728 SH   SOLE   0 0 132
THERMO FISHER SCIENTIFIC INC COM 883556102 213 466 SH   SOLE   0 0 213
ISHARES TR MSCI EAFE ETF 464287465 8,703 114,706 SH   SOLE   0 0 8,703
AT&T INC COM 00206R102 5 155 SH   SOLE   0 0 5
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,080 17,799 SH   SOLE   0 0 1,080
ISHARES TR MSCI ACWI EX US 464288240 17 300 SH   SOLE   0 0 17
ISHARES TR CORE S&P MCP ETF 464287507 56 214 SH   SOLE   0 0 56
HDFC BANK LTD SPONSORED ADS 40415F101 8 100 SH   SOLE   0 0 8
BK OF AMERICA CORP COM 060505104 33 850 SH   SOLE   0 0 33
CHINDATA GROUP HLDGS LTD ADS 16955F107 3 200 SH   SOLE   0 0 3
MERCADOLIBRE INC COM 58733R102 12 8 SH   SOLE   0 0 12
INTERNATIONAL BUSINESS MACHS COM 459200101 52 393 SH   SOLE   0 0 52
SHERWIN WILLIAMS CO COM 824348106 1,137 1,541 SH   SOLE   0 0 1,137
ALPHABET INC CAP STK CL C 02079K107 81 39 SH   SOLE   0 0 81
MICROSOFT CORP COM 594918104 259 1,098 SH   SOLE   0 0 259
ENERSYS COM 29275Y102 97 1,068 SH   SOLE   0 0 97
COMMERCIAL METALS CO COM 201723103 58 1,870 SH   SOLE   0 0 58
LOCKHEED MARTIN CORP COM 539830109 10 27 SH   SOLE   0 0 10
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,985 80,410 SH   SOLE   0 0 5,985
SPDR SER TR PORTFOLIO S&P400 78464A847 28 621 SH   SOLE   0 0 28
RAYTHEON TECHNOLOGIES CORP COM 75513E101 8 100 SH   SOLE   0 0 8
FACEBOOK INC CL A 30303M102 39 133 SH   SOLE   0 0 39
MANULIFE FINL CORP COM 56501R106 3 147 SH   SOLE   0 0 3
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6 31 SH   SOLE   0 0 6
SALESFORCE COM INC COM 79466L302 32 150 SH   SOLE   0 0 32
CAPITAL ONE FINL CORP COM 14040H105 15 116 SH   SOLE   0 0 15
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,254 4,735 SH   SOLE   0 0 2,254
NEXTERA ENERGY INC COM 65339F101 38 508 SH   SOLE   0 0 38
ISHARES TR RUS 2000 VAL ETF 464287630 8 52 SH   SOLE   0 0 8
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 399 5,843 SH   SOLE   0 0 399
COLGATE PALMOLIVE CO COM 194162103 90 1,140 SH   SOLE   0 0 90
PAYPAL HLDGS INC COM 70450Y103 7 30 SH   SOLE   0 0 7
UNITEDHEALTH GROUP INC COM 91324P102 12 31 SH   SOLE   0 0 12
DOW INC COM 260557103 127 1,991 SH   SOLE   0 0 127
PFIZER INC COM 717081103 11 314 SH   SOLE   0 0 11
PEPSICO INC COM 713448108 83 589 SH   SOLE   0 0 83
CISCO SYS INC COM 17275R102 246 4,752 SH   SOLE   0 0 246
TJX COS INC NEW COM 872540109 7 111 SH   SOLE   0 0 7
PRICE T ROWE GROUP INC COM 74144T108 24 140 SH   SOLE   0 0 24
3M CO COM 88579Y101 7 34 SH   SOLE   0 0 7
COMCAST CORP NEW CL A 20030N101 18 340 SH   SOLE   0 0 18
DISNEY WALT CO COM 254687106 18 100 SH   SOLE   0 0 18
CHEVRON CORP NEW COM 166764100 9 89 SH   SOLE   0 0 9
BALL CORP COM 058498106 119 1,402 SH   SOLE   0 0 119
INTEL CORP COM 458140100 4 68 SH   SOLE   0 0 4
ANTHEM INC COM 036752103 98 272 SH   SOLE   0 0 98
COSTCO WHSL CORP NEW COM 22160K105 38 108 SH   SOLE   0 0 38
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 29 145 SH   SOLE   0 0 29
INVESCO QQQ TR UNIT SER 1 46090E103 21 66 SH   SOLE   0 0 21
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,068 37,332 SH   SOLE   0 0 3,068
COMFORT SYS USA INC COM 199908104 7 100 SH   SOLE   0 0 7
ARK ETF TR INNOVATION ETF 00214Q104 0 0 SH   SOLE   0 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 35 115 SH   SOLE   0 0 35
DUPONT DE NEMOURS INC COM 26614N102 151 1,953 SH   SOLE   0 0 151
ALIGN TECHNOLOGY INC COM 016255101 3 5 SH   SOLE   0 0 3
JOHNSON & JOHNSON COM 478160104 311 1,891 SH   SOLE   0 0 311
TERADATA CORP DEL COM 88076W103 15 385 SH   SOLE   0 0 15
SPDR SER TR SPDR BLOOMBERG 78468R663 200 2,182 SH   SOLE   0 0 200