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
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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
ISHARES TR MSCI USA MIN VOL 46429B697   75,592,255 1,048,436 SH   SOLE   0 0 1,048,436
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   56,394,130 854,198 SH   SOLE   0 0 854,198
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   49,934,652 898,752 SH   SOLE   0 0 898,752
ISHARES TR MSCI ACWI EXUS 46435G847   40,890,730 1,602,804 SH   SOLE   0 0 1,602,804
ISHARES TR MSCI USA QLT FCT 46432F339   37,009,730 324,761 SH   SOLE   0 0 324,761
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   36,561,255 902,524 SH   SOLE   0 0 902,524
ISHARES TR ESG AWR MSCI USA 46435G425   5,211,359 61,491 SH   SOLE   0 0 61,491
MICROSOFT CORP COM 594918104   4,900,054 20,432 SH   SOLE   0 0 20,432
ISHARES TR MODERT ALLOC ETF 464289875   4,785,573 125,903 SH   SOLE   0 0 125,903
ISHARES TR RUS 1000 GRW ETF 464287614   4,358,284 20,343 SH   SOLE   0 0 20,343
ISHARES TR RUSSELL 2000 ETF 464287655   3,894,236 22,334 SH   SOLE   0 0 22,334
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,428,780 75,942 SH   SOLE   0 0 75,942
APPLE INC COM 037833100   3,317,477 25,533 SH   SOLE   0 0 25,533
EXXON MOBIL CORP COM 30231G102   2,526,270 22,904 SH   SOLE   0 0 22,904
ISHARES TR HDG MSCI EAFE 46434V803   2,200,149 81,487 SH   SOLE   0 0 81,487
ISHARES TR ESG AWARE MSCI 46435U663   2,193,547 66,714 SH   SOLE   0 0 66,714
ISHARES TR ESG AW MSCI EAFE 46435G516   2,084,412 31,707 SH   SOLE   0 0 31,707
ALPHABET INC CAP STK CL C 02079K107   1,998,265 22,521 SH   SOLE   0 0 22,521
ISHARES INC MSCI GBL MIN VOL 464286525   1,769,177 18,619 SH   SOLE   0 0 18,619
INVESCO QQQ TR UNIT SER 1 46090E103   1,696,767 6,372 SH   SOLE   0 0 6,372
JOHNSON & JOHNSON COM 478160104   1,379,990 7,812 SH   SOLE   0 0 7,812
PROCTER AND GAMBLE CO COM 742718109   982,135 6,480 SH   SOLE   0 0 6,480
ISHARES TR CORE S&P500 ETF 464287200   908,657 2,365 SH   SOLE   0 0 2,365
ANALOG DEVICES INC COM 032654105   868,703 5,296 SH   SOLE   0 0 5,296
ISHARES TR RUS 1000 VAL ETF 464287598   866,376 5,713 SH   SOLE   0 0 5,713
AMAZON COM INC COM 023135106   857,724 10,211 SH   SOLE   0 0 10,211
ABBVIE INC COM 00287Y109   754,395 4,668 SH   SOLE   0 0 4,668
ISHARES TR ESG MSCI USA MIN 46436E445   721,376 31,751 SH   SOLE   0 0 31,751
ALPHABET INC CAP STK CL A 02079K305   700,546 7,940 SH   SOLE   0 0 7,940
VERIZON COMMUNICATIONS INC COM 92343V104   691,015 17,538 SH   SOLE   0 0 17,538
HOME DEPOT INC COM 437076102   618,690 1,959 SH   SOLE   0 0 1,959
ISHARES TR CORE S&P SCP ETF 464287804   607,996 6,424 SH   SOLE   0 0 6,424
RAYTHEON TECHNOLOGIES CORP COM 75513E101   591,694 5,863 SH   SOLE   0 0 5,863
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   546,100 3,151 SH   SOLE   0 0 3,151
JPMORGAN CHASE & CO COM 46625H100   543,910 4,056 SH   SOLE   0 0 4,056
AUTOMATIC DATA PROCESSING IN COM 053015103   517,132 2,165 SH   SOLE   0 0 2,165
INTEL CORP COM 458140100   510,892 19,330 SH   SOLE   0 0 19,330
LOWES COS INC COM 548661107   509,656 2,558 SH   SOLE   0 0 2,558
CHEVRON CORP NEW COM 166764100   499,993 2,786 SH   SOLE   0 0 2,786
ABBOTT LABS COM 002824100   496,910 4,526 SH   SOLE   0 0 4,526
PEPSICO INC COM 713448108   490,817 2,717 SH   SOLE   0 0 2,717
UNION PAC CORP COM 907818108   485,800 2,346 SH   SOLE   0 0 2,346
MORGAN STANLEY COM NEW 617446448   475,277 5,590 SH   SOLE   0 0 5,590
MCDONALDS CORP COM 580135101   448,528 1,702 SH   SOLE   0 0 1,702
STRYKER CORPORATION COM 863667101   415,633 1,700 SH   SOLE   0 0 1,700
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   396,210 1,128 SH   SOLE   0 0 1,128
COLGATE PALMOLIVE CO COM 194162103   389,027 4,938 SH   SOLE   0 0 4,938
AT&T INC COM 00206R102   384,296 20,874 SH   SOLE   0 0 20,874
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   377,476 1,222 SH   SOLE   0 0 1,222
BRISTOL-MYERS SQUIBB CO COM 110122108   350,964 4,878 SH   SOLE   0 0 4,878
CSX CORP COM 126408103   349,733 11,289 SH   SOLE   0 0 11,289
AMGEN INC COM 031162100   326,462 1,243 SH   SOLE   0 0 1,243
MERCK & CO INC COM 58933Y105   315,764 2,846 SH   SOLE   0 0 2,846
BANK AMERICA CORP COM 060505104   289,038 8,727 SH   SOLE   0 0 8,727
AMERICAN EXPRESS CO COM 025816109   286,635 1,940 SH   SOLE   0 0 1,940
LAM RESEARCH CORP COM 512807108   273,195 650 SH   SOLE   0 0 650
VANGUARD INDEX FDS TOTAL STK MKT 922908769   267,724 1,400 SH   SOLE   0 0 1,400
HONEYWELL INTL INC COM 438516106   258,062 1,204 SH   SOLE   0 0 1,204
COCA COLA CO COM 191216100   253,026 3,978 SH   SOLE   0 0 3,978
PFIZER INC COM 717081103   248,247 4,845 SH   SOLE   0 0 4,845
NEXTERA ENERGY INC COM 65339F101   247,623 2,962 SH   SOLE   0 0 2,962
CISCO SYS INC COM 17275R102   246,496 5,174 SH   SOLE   0 0 5,174
PARKER-HANNIFIN CORP COM 701094104   246,477 847 SH   SOLE   0 0 847
ISHARES TR CONSER ALLOC ETF 464289883   238,900 7,108 SH   SOLE   0 0 7,108
3M CO COM 88579Y101   235,643 1,965 SH   SOLE   0 0 1,965
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   231,931 700 SH   SOLE   0 0 700
ISHARES TR ISHARES BIOTECH 464287556   231,921 1,766 SH   SOLE   0 0 1,766
CHUBB LIMITED COM H1467J104   231,630 1,050 SH   SOLE   0 0 1,050
WALMART INC COM 931142103   228,140 1,609 SH   SOLE   0 0 1,609
SPDR S&P 500 ETF TR TR UNIT 78462F103   225,634 590 SH   SOLE   0 0 590
NIKE INC CL B 654106103   220,737 1,886 SH   SOLE   0 0 1,886
ISHARES TR EXPANDED TECH 464287515   220,031 860 SH   SOLE   0 0 860
STATE STR CORP COM 857477103   218,747 2,820 SH   SOLE   0 0 2,820
EASTGROUP PPTYS INC COM 277276101   218,092 1,473 SH   SOLE   0 0 1,473
INTERNATIONAL BUSINESS MACHS COM 459200101   215,421 1,529 SH   SOLE   0 0 1,529
TRAVELERS COMPANIES INC COM 89417E109   211,489 1,128 SH   SOLE   0 0 1,128
ISHARES TR MSCI USA SMCP MN 46435G433   201,686 5,829 SH   SOLE   0 0 5,829
INNOVATIVE SOLUTIONS & SUPPO COM 45769N105   83,844 10,200 SH   SOLE   0 0 10,200
APPHARVEST INC COM 03783T103   8,511 15,000 SH   SOLE   0 0 15,000