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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   980,691 5,728 SH   SOLE   0 0 5,728
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   525,100 1,499 SH   SOLE   0 0 1,499
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   10,965,341 481,993 SH   SOLE   0 0 481,993
ISHARES TR S&P 500 GRWT ETF 464287309   303,511 4,436 SH   SOLE   0 0 4,436
ISHARES TR ISHS 1-5YR INVS 464288646   407,088 8,170 SH   SOLE   0 0 8,170
ISHARES TR CORE MSCI EAFE 46432F842   572,458 8,896 SH   SOLE   0 0 8,896
ISHARES TR CORE MSCI TOTAL 46432F834   410,692 6,846 SH   SOLE   0 0 6,846
ISHARES TR CORE S&P MCP ETF 464287507   36,753,145 147,396 SH   SOLE   0 0 147,396
ISHARES TR CORE S&P SCP ETF 464287804   17,030,119 180,538 SH   SOLE   0 0 180,538
ISHARES TR CORE S&P TTL STK 464287150   565,140 6,000 SH   SOLE   0 0 6,000
ISHARES TR CORE S&P500 ETF 464287200   7,019,690 16,347 SH   SOLE   0 0 16,347
ISHARES TR CORE US AGGBD ET 464287226   498,463 5,301 SH   SOLE   0 0 5,301
ISHARES TR EAFE SML CP ETF 464288273   223,847 3,964 SH   SOLE   0 0 3,964
ISHARES TR ESG AWRE 1 5 YR 46435G243   329,975 13,882 SH   SOLE   0 0 13,882
ISHARES TR ESG AW MSCI EAFE 46435G516   302,651 4,378 SH   SOLE   0 0 4,378
ISHARES TR ESG AWARE MSCI 46435U663   312,373 9,283 SH   SOLE   0 0 9,283
ISHARES TR ESG AWR US AGRGT 46435U549   465,910 10,285 SH   SOLE   0 0 10,285
ISHARES TR MRGSTR MD CP ETF 464288208   613,367 10,269 SH   SOLE   0 0 10,269
ISHARES TR MSCI EAFE ETF 464287465   734,343 10,655 SH   SOLE   0 0 10,655
LOCKHEED MARTIN CORP COM 539830109   408,960 1,000 SH   SOLE   0 0 1,000
MARSH & MCLENNAN COS INC COM 571748102   666,050 3,500 SH   SOLE   0 0 3,500
MICROSOFT CORP COM 594918104   405,739 1,285 SH   SOLE   0 0 1,285
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   419,228 13,175 SH   SOLE   0 0 13,175
PROSHARES TR SP500 EX HLTH 74347B565   519,902 5,784 SH   SOLE   0 0 5,784
SOFI TECHNOLOGIES INC COM 83406F102   103,470 12,950 SH   SOLE   0 0 12,950
SPDR SER TR PORTFOLIO AGRGTE 78464A649   18,866,956 775,142 SH   SOLE   0 0 775,142
SPDR SER TR PORTFOLIO S&P400 78464A847   2,244,894 51,265 SH   SOLE   0 0 51,265
SPDR SER TR PORTFOLIO S&P500 78464A854   2,547,579 50,688 SH   SOLE   0 0 50,688
SPDR SER TR PRTFLO S&P500 GW 78464A409   29,124,620 491,306 SH   SOLE   0 0 491,306
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   37,431,324 1,207,073 SH   SOLE   0 0 1,207,073
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   8,182,880 243,756 SH   SOLE   0 0 243,756
SPDR SER TR PORTFOLIO INTRMD 78464A375   11,150,550 354,548 SH   SOLE   0 0 354,548
SPDR SER TR PORTFOLIO LN COR 78464A367   772,711 36,380 SH   SOLE   0 0 36,380
SPDR SER TR PORTFOLIO SHORT 78464A474   6,464,591 220,484 SH   SOLE   0 0 220,484
VANGUARD WORLD FD ESG US STK ETF 921910733   750,094 9,972 SH   SOLE   0 0 9,972
VANGUARD INDEX FDS GROWTH ETF 922908736   1,590,290 5,840 SH   SOLE   0 0 5,840
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   431,310 6,181 SH   SOLE   0 0 6,181
VANGUARD INDEX FDS VALUE ETF 922908744   29,364,356 212,893 SH   SOLE   0 0 212,893
VISA INC COM CL A 92826C839   662,429 2,880 SH   SOLE   0 0 2,880