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
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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
ABBVIE INC COM 00287Y109   372,425 2,045 SH   SOLE 0 0 0 2,045
ADVANCED MICRO DEVICES INC COM 007903107   1,272,455 7,050 SH   SOLE 0 0 0 7,050
ANALOG DEVICES INC COM 032654105   397,756 2,011 SH   SOLE 0 0 0 2,011
APPLE INC COM 037833100   2,420,307 14,114 SH   SOLE 0 0 0 14,114
BLACKROCK ETF TRUST WORLD EX US CARB 09290C608   294,738 6,453 SH   SOLE 0 0 0 6,453
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   1,729,017 30,117 SH   SOLE 0 0 0 30,117
BROADCOM INC COM 11135F101   318,098 240 SH   SOLE 0 0 0 240
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   14,930,146 480,069 SH   SOLE 0 1,723 0 478,346
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   242,383 3,837 SH   SOLE 0 0 0 3,837
HOME DEPOT INC COM 437076102   273,890 714 SH   SOLE 0 0 0 714
INTERNATIONAL BUSINESS MACHS COM 459200101   248,821 1,303 SH   SOLE 0 0 0 1,303
ISHARES INC CORE MSCI EMKT 46434G103   316,431 6,132 SH   SOLE 0 0 0 6,132
ISHARES INC ESG AWR MSCI EM 46434G863   314,855 9,769 SH   SOLE 0 0 0 9,769
ISHARES TR MSCI KLD400 SOC 464288570   1,210,728 12,010 SH   SOLE 0 0 0 12,010
ISHARES TR MSCI USA QLT FCT 46432F339   46,665,314 283,939 SH   SOLE 0 1,116 0 282,823
ISHARES TR MSCI USA VALUE 46432F388   1,361,998 12,575 SH   SOLE 0 0 0 12,575
ISHARES TR U.S. TECH ETF 464287721   16,869,344 124,903 SH   SOLE 0 462 0 124,441
ISHARES TR JPMORGAN USD EMG 464288281   677,616 7,557 SH   SOLE 0 0 0 7,557
ISHARES TR ESG MSCI USA ETF 46436E767   1,056,465 23,399 SH   SOLE 0 0 0 23,399
ISHARES TR MSCI USA MIN VOL 46429B697   22,943,562 274,510 SH   SOLE 0 897 0 273,613
ISHARES TR 10-20 YR TRS ETF 464288653   1,146,529 10,916 SH   SOLE 0 0 0 10,916
ISHARES TR ESG EAFE ETF 46436E759   546,880 8,027 SH   SOLE 0 0 0 8,027
ISHARES TR CORE S&P TTL STK 464287150   4,389,258 38,068 SH   SOLE 0 0 0 38,068
ISHARES TR US TREAS BD ETF 46429B267   1,082,372 47,535 SH   SOLE 0 0 0 47,535
ISHARES TR GLOBAL ENERG ETF 464287341   5,173,778 120,461 SH   SOLE 0 496 0 119,965
ISHARES TR CORE MSCI TOTAL 46432F834   3,725,518 54,900 SH   SOLE 0 0 0 54,900
ISHARES TR ESG AWR US AGRGT 46435U549   650,557 13,824 SH   SOLE 0 0 0 13,824
ISHARES TR S&P 500 GRWT ETF 464287309   15,304,328 181,245 SH   SOLE 0 681 0 180,564
ISHARES TR CORE MSCI EAFE 46432F842   3,964,655 53,418 SH   SOLE 0 0 0 53,418
ISHARES TR USD INV GRDE ETF 464288620   1,315,451 25,910 SH   SOLE 0 0 0 25,910
ISHARES TR ESG AWR MSCI USA 46435G425   5,852,615 50,910 SH   SOLE 0 0 0 50,910
ISHARES TR RUS 1000 GRW ETF 464287614   887,453 2,633 SH   SOLE 0 0 0 2,633
ISHARES TR EAFE VALUE ETF 464288877   27,184,931 499,723 SH   SOLE 0 2,035 0 497,688
ISHARES TR ISHS 1-5YR INVS 464288646   8,103,461 158,024 SH   SOLE 0 546 0 157,478
ISHARES TR 20 YR TR BD ETF 464287432   2,904,645 30,698 SH   SOLE 0 0 0 30,698
ISHARES TR MBS ETF 464288588   4,004,466 43,329 SH   SOLE 0 0 0 43,329
ISHARES TR ESG AWRE USD ETF 46435G193   696,114 30,279 SH   SOLE 0 0 0 30,279
ISHARES TR EAFE GRWTH ETF 464288885   24,035,252 231,576 SH   SOLE 0 735 0 230,841
ISHARES TR US INFRASTRUC 46435U713   371,205 8,561 SH   SOLE 0 0 0 8,561
ISHARES TR MSCI USA MMENTM 46432F396   13,038,274 69,593 SH   SOLE 0 256 0 69,337
ISHARES TR CORE S&P500 ETF 464287200   11,984,316 22,796 SH   SOLE 0 0 0 22,796
ISHARES TR GLOBAL TECH ETF 464287291   1,924,263 25,722 SH   SOLE 0 0 0 25,722
ISHARES TR 0-5YR HI YL CP 46434V407   994,564 23,374 SH   SOLE 0 0 0 23,374
ISHARES TR MSCI INTL VLU FT 46435G409   319,225 11,308 SH   SOLE 0 0 0 11,308
JOHNSON & JOHNSON COM 478160104   417,938 2,642 SH   SOLE 0 0 0 2,642
JPMORGAN CHASE & CO COM 46625H100   218,928 1,093 SH   SOLE 0 0 0 1,093
MICRON TECHNOLOGY INC COM 595112103   321,132 2,724 SH   SOLE 0 0 0 2,724
MICROSOFT CORP COM 594918104   1,719,903 4,088 SH   SOLE 0 0 0 4,088
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,785,908 12,089 SH   SOLE 0 60 0 12,029
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,255,842 13,302 SH   SOLE 0 0 0 13,302
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,187,436 115,707 SH   SOLE 0 274 0 115,433
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   259,482 7,240 SH   SOLE 0 0 0 7,240
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,590,133 3,040 SH   SOLE 0 0 0 3,040
SPDR SER TR PORTFLI INTRMDIT 78464A672   316,180 11,220 SH   SOLE 0 0 0 11,220
SPDR SER TR PORTFOLIO LN TSR 78464A664   7,239,352 259,104 SH   SOLE 0 1,085 0 258,019
UNITED PARCEL SERVICE INC CL B 911312106   258,616 1,740 SH   SOLE 0 0 0 1,740
VANGUARD BD INDEX FDS INTERMED TERM 921937819   12,137,666 160,977 SH   SOLE 0 0 0 160,977
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   64,592,406 889,335 SH   SOLE 0 3,511 0 885,824
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,779,168 12,158 SH   SOLE 0 0 0 12,158
VANGUARD INDEX FDS VALUE ETF 922908744   4,539,071 27,871 SH   SOLE 0 56 0 27,815
VANGUARD INDEX FDS GROWTH ETF 922908736   5,599,790 16,269 SH   SOLE 0 0 0 16,269
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   90,977,805 189,261 SH   SOLE 0 640 0 188,621
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   585,665 14,021 SH   SOLE 0 242 0 13,779
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   22,688,649 497,449 SH   SOLE 0 1,794 0 495,655
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   987,555 5,408 SH   SOLE 0 0 0 5,408
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,021,438 40,292 SH   SOLE 0 0 0 40,292
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   204,110 1,687 SH   SOLE 0 0 0 1,687
VANGUARD WORLD FD MEGA CAP INDEX 921910873   13,185,734 70,561 SH   SOLE 0 305 0 70,256