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
APPLE INC COM 037833100   1,038,122 5,392 SH   SOLE   0 0 5,392
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   534,633 1,499 SH   SOLE   0 0 1,499
CROWDSTRIKE HLDGS INC CL A 22788C105   242,299 949 SH   SOLE   0 0 949
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   13,820,637 518,598 SH   SOLE   0 0 518,598
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   463,760 13,175 SH   SOLE   0 0 13,175
ISHARES TR S&P 500 GRWT ETF 464287309   333,144 4,436 SH   SOLE   0 0 4,436
ISHARES TR ISHS 1-5YR INVS 464288646   420,841 8,208 SH   SOLE   0 0 8,208
ISHARES TR CORE MSCI EAFE 46432F842   637,512 9,062 SH   SOLE   0 0 9,062
ISHARES TR CORE MSCI TOTAL 46432F834   451,718 6,957 SH   SOLE   0 0 6,957
ISHARES TR CORE S&P MCP ETF 464287507   39,190,345 141,405 SH   SOLE   0 0 141,405
ISHARES TR CORE S&P SCP ETF 464287804   19,090,827 176,359 SH   SOLE   0 0 176,359
ISHARES TR CORE S&P TTL STK 464287150   646,007 6,139 SH   SOLE   0 0 6,139
ISHARES TR CORE S&P500 ETF 464287200   4,514,085 9,451 SH   SOLE   0 0 9,451
ISHARES TR CORE US AGGBD ET 464287226   535,111 5,392 SH   SOLE   0 0 5,392
ISHARES TR EAFE SML CP ETF 464288273   253,357 4,093 SH   SOLE   0 0 4,093
ISHARES TR ESG AWRE 1 5 YR 46435G243   327,493 13,378 SH   SOLE   0 0 13,378
ISHARES TR ESG AW MSCI EAFE 46435G516   338,268 4,478 SH   SOLE   0 0 4,478
ISHARES TR ESG AWARE MSCI 46435U663   361,095 9,500 SH   SOLE   0 0 9,500
ISHARES TR ESG AWR US AGRGT 46435U549   495,637 10,382 SH   SOLE   0 0 10,382
ISHARES TR IBOXX INV CP ETF 464287242   221,511 1,994 SH   SOLE   0 0 1,994
ISHARES TR MRGSTR MD CP ETF 464288208   698,689 10,408 SH   SOLE   0 0 10,408
ISHARES TR MSCI EAFE ETF 464287465   814,835 10,814 SH   SOLE   0 0 10,814
LOCKHEED MARTIN CORP COM 539830109   453,693 1,001 SH   SOLE   0 0 1,001
MARSH & MCLENNAN COS INC COM 571748102   663,145 3,500 SH   SOLE   0 0 3,500
MERCADOLIBRE INC COM 58733R102   246,732 157 SH   SOLE   0 0 157
MICROSOFT CORP COM 594918104   452,752 1,204 SH   SOLE   0 0 1,204
PROSHARES TR SP500 EX HLTH 74347B565   582,031 5,784 SH   SOLE   0 0 5,784
SOFI TECHNOLOGIES INC COM 83406F102   128,852 12,950 SH   SOLE   0 0 12,950
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   40,822,947 1,200,322 SH   SOLE   0 0 1,200,322
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   8,504,164 240,163 SH   SOLE   0 0 240,163
SPDR SER TR PORTFOLIO AGRGTE 78464A649   21,041,902 820,667 SH   SOLE   0 0 820,667
SPDR SER TR PORTFOLIO S&P400 78464A847   2,585,473 53,068 SH   SOLE   0 0 53,068
SPDR SER TR PORTFOLIO S&P500 78464A854   2,860,794 51,177 SH   SOLE   0 0 51,177
SPDR SER TR PRTFLO S&P500 GW 78464A409   32,023,574 492,216 SH   SOLE   0 0 492,216
SPDR SER TR PORTFOLIO INTRMD 78464A375   12,360,183 376,490 SH   SOLE   0 0 376,490
SPDR SER TR PORTFOLIO LN COR 78464A367   881,372 37,048 SH   SOLE   0 0 37,048
SPDR SER TR PORTFOLIO SHORT 78464A474   6,669,201 223,949 SH   SOLE   0 0 223,949
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   459,026 6,241 SH   SOLE   0 0 6,241
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   249,261 1,516 SH   SOLE   0 0 1,516
VANGUARD INDEX FDS GROWTH ETF 922908736   1,820,824 5,857 SH   SOLE   0 0 5,857
VANGUARD INDEX FDS VALUE ETF 922908744   32,662,790 218,480 SH   SOLE   0 0 218,480
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   208,652 4,356 SH   SOLE   0 0 4,356
VANGUARD WORLD FD ESG US STK ETF 921910733   836,565 9,835 SH   SOLE   0 0 9,835
VISA INC COM CL A 92826C839   749,808 2,880 SH   SOLE   0 0 2,880