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
ABBOTT LABS COM 002824100 295 2,501 SH   SOLE   2,501 0 0
ACTIVISION BLIZZARD INC COM 00507V109 277 3,573 SH   SOLE   3,573 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 231 402 SH   SOLE   402 0 0
ADVANCED MICRO DEVICES INC COM 007903107 313 3,040 SH   SOLE   3,040 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 246 1,563 SH   SOLE   1,563 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 356 3,401 SH   SOLE   3,401 0 0
ALBEMARLE CORP COM 012653101 1,133 5,175 SH   SOLE   5,175 0 0
ALPHABET INC CAP STK CL A 02079K305 1,016 380 SH   SOLE   380 0 0
ALPHABET INC CAP STK CL C 02079K107 384 144 SH   SOLE   144 0 0
AMAZON COM INC COM 023135106 759 231 SH   SOLE   231 0 0
APPLE INC COM 037833100 48,508 342,816 SH   SOLE   342,816 0 0
ATLASSIAN CORP PLC CL A G06242104 1,202 3,070 SH   SOLE   3,070 0 0
CATERPILLAR INC COM 149123101 512 2,666 SH   SOLE   2,666 0 0
CISCO SYS INC COM 17275R102 413 7,581 SH   SOLE   7,581 0 0
COSTCO WHSL CORP NEW COM 22160K105 397 884 SH   SOLE   884 0 0
DANA INC COM 235825205 446 20,032 SH   SOLE   20,032 0 0
DISNEY WALT CO COM 254687106 292 1,725 SH   SOLE   1,725 0 0
EBAY INC. COM 278642103 870 12,484 SH   SOLE   12,484 0 0
FACEBOOK INC CL A 30303M102 269 792 SH   SOLE   792 0 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,184 38,936 SH   SOLE   38,936 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 4,811 90,545 SH   SOLE   90,545 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 4,819 89,994 SH   SOLE   89,994 0 0
GILEAD SCIENCES INC COM 375558103 10,500 150,319 SH   SOLE   150,319 0 0
INTEL CORP COM 458140100 455 8,531 SH   SOLE   8,531 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 9,538 253,935 SH   SOLE   253,935 0 0
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 3,323 109,992 SH   SOLE   109,992 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 4,639 76,245 SH   SOLE   76,245 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 6,508 134,050 SH   SOLE   134,050 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 540 13,020 SH   SOLE   13,020 0 0
ISHARES TR CALIF MUN BD ETF 464288356 6,549 105,502 SH   SOLE   105,502 0 0
ISHARES TR CORE MSCI INTL 46435G326 518 7,753 SH   SOLE   7,753 0 0
ISHARES TR CORE S&P MCP ETF 464287507 2,207 8,390 SH   SOLE   8,390 0 0
ISHARES TR CORE S&P TTL STK 464287150 200 2,038 SH   SOLE   2,038 0 0
ISHARES TR CORE TOTAL USD 46434V613 9,073 170,411 SH   SOLE   170,411 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 216 2,190 SH   SOLE   2,190 0 0
ISHARES TR ESG EAFE ETF 46436E759 520 7,670 SH   SOLE   7,670 0 0
ISHARES TR ESG MSCI USA ETF 46436E767 915 25,340 SH   SOLE   25,340 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 2,306 60,546 SH   SOLE   60,546 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 1,255 33,134 SH   SOLE   33,134 0 0
ISHARES TR MSCI USA MMENTM 46432F396 6,827 38,879 SH   SOLE   38,879 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 6,010 21,930 SH   SOLE   21,930 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,649 23,317 SH   SOLE   23,317 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,921 18,645 SH   SOLE   18,645 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 2,379 46,575 SH   SOLE   46,575 0 0
JOHNSON & JOHNSON COM 478160104 895 5,542 SH   SOLE   5,542 0 0
KRANESHARES TR QUADRTC INT RT 500767736 1,279 45,904 SH   SOLE   45,904 0 0
MICROSOFT CORP COM 594918104 2,193 7,780 SH   SOLE   7,780 0 0
NBT BANCORP INC COM 628778102 309 8,559 SH   SOLE   8,559 0 0
NIKE INC CL B 654106103 508 3,500 SH   SOLE   3,500 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 458 12,215 SH   SOLE   12,215 0 0
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508 262 7,220 SH   SOLE   7,220 0 0
NVIDIA CORPORATION COM 67066G104 535 2,583 SH   SOLE   2,583 0 0
NXP SEMICONDUCTORS N V COM N6596X109 392 2,000 SH   SOLE   2,000 0 0
OKTA INC CL A 679295105 487 2,050 SH   SOLE   2,050 0 0
ON24 INC COM 68339B104 2,393 120,000 SH   SOLE   120,000 0 0
ONESPAN INC COM 68287N100 607 32,300 SH   SOLE   32,300 0 0
ORACLE CORP COM 68389X105 246 2,818 SH   SOLE   2,818 0 0
PAYPAL HLDGS INC COM 70450Y103 3,165 12,164 SH   SOLE   12,164 0 0
PEPSICO INC COM 713448108 388 2,579 SH   SOLE   2,579 0 0
QUALCOMM INC COM 747525103 258 2,000 SH   SOLE   2,000 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 243 2,825 SH   SOLE   2,825 0 0
ROKU INC COM CL A 77543R102 1,723 5,500 SH   SOLE   5,500 0 0
SALESFORCE COM INC COM 79466L302 299 1,102 SH   SOLE   1,102 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 7,321 136,706 SH   SOLE   136,706 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 11,738 217,577 SH   SOLE   217,577 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 5,017 95,238 SH   SOLE   95,238 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 4,221 130,956 SH   SOLE   130,956 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 21,811 664,367 SH   SOLE   664,367 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,081 53,753 SH   SOLE   53,753 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,703 31,395 SH   SOLE   31,395 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,360 80,491 SH   SOLE   80,491 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,578 21,258 SH   SOLE   21,258 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 8,379 56,582 SH   SOLE   56,582 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,676 128,570 SH   SOLE   128,570 0 0
SERVICENOW INC COM 81762P102 297 478 SH   SOLE   478 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307 554 5,010 SH   SOLE   5,010 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,926 136,040 SH   SOLE   136,040 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 8,128 191,102 SH   SOLE   191,102 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 407 948 SH   SOLE   948 0 0
SPDR SER TR BLOMBERG INTL TR 78464A516 2,336 81,302 SH   SOLE   81,302 0 0
SPDR SER TR BLOMBRG BRC INTL 78464A151 514 14,557 SH   SOLE   14,557 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 200 3,783 SH   SOLE   3,783 0 0
STARBUCKS CORP COM 855244109 261 2,363 SH   SOLE   2,363 0 0
TESLA INC COM 88160R101 480 619 SH   SOLE   619 0 0
TRIMBLE INC COM 896239100 723 18,850 SH   SOLE   18,850 0 0
UNILEVER PLC SPON ADR NEW 904767704 204 3,767 SH   SOLE   3,767 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 692 8,099 SH   SOLE   8,099 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 265 912 SH   SOLE   912 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,757 41,239 SH   SOLE   41,239 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,717 94,318 SH   SOLE   94,318 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 246 4,490 SH   SOLE   4,490 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,721 16,648 SH   SOLE   16,648 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 1,665 51,128 SH   SOLE   51,128 0 0
WISDOMTREE TR US ESG FUND 97717W596 354 7,580 SH   SOLE   7,580 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,136 27,399 SH   SOLE   27,399 0 0
WORKDAY INC CL A 98138H101 762 3,048 SH   SOLE   3,048 0 0