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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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
ISHARES TR CORE S&P SCP ETF 464287804 1,733 15,967 SH   SOLE   0 0 15,967
ISHARES TR SP SMCP600VL ETF 464287879 4,804 47,689 SH   SOLE   0 0 47,689
ISHARES TR S&P 500 VAL ETF 464287408 3,668 25,973 SH   SOLE   0 0 25,973
ISHARES TR CORE S&P500 ETF 464287200 26,049 65,479 SH   SOLE   0 0 65,479
ISHARES TR S&P 500 GRWT ETF 464287309 1,454 22,339 SH   SOLE   0 0 22,339
ISHARES TR RUS 1000 VAL ETF 464287598 1,789 11,803 SH   SOLE   0 0 11,803
ISHARES TR RUS 1000 GRW ETF 464287614 6,942 28,561 SH   SOLE   0 0 28,561
ISHARES TR RUSSELL 2000 ETF 464287655 613 2,775 SH   SOLE   0 0 2,775
ISHARES TR U.S. REAL ES ETF 464287739 1,416 15,403 SH   SOLE   0 0 15,403
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,298 8,321 SH   SOLE   0 0 8,321
AMAZON COM INC COM 023135106 322 104 SH   SOLE   0 0 104
MICROSOFT CORP COM 594918104 378 1,605 SH   SOLE   0 0 1,605
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,273 27,718 SH   SOLE   0 0 27,718
ISHARES TR U.S. ENERGY ETF 464287796 307 11,689 SH   SOLE   0 0 11,689
COSTCO WHSL CORP NEW COM 22160K105 759 2,153 SH   SOLE   0 0 2,153
LILLY ELI & CO COM 532457108 838 4,488 SH   SOLE   0 0 4,488
PROCTER AND GAMBLE CO COM 742718109 366 2,706 SH   SOLE   0 0 2,706
DUKE ENERGY CORP NEW COM NEW 26441C204 337 3,494 SH   SOLE   0 0 3,494
APPLE INC COM 037833100 997 8,161 SH   SOLE   0 0 8,161
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 6,322 44,630 SH   SOLE   0 0 44,630
SIMON PPTY GROUP INC NEW COM 828806109 299 2,630 SH   SOLE   0 0 2,630
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 522 10,032 SH   SOLE   0 0 10,032
ISHARES TR CORE US AGGBD ET 464287226 230 2,023 SH   SOLE   0 0 2,023
PRICE T ROWE GROUP INC COM 74144T108 237 1,382 SH   SOLE   0 0 1,382
VANGUARD INDEX FDS VALUE ETF 922908744 17,221 130,998 SH   SOLE   0 0 130,998
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,238 31,627 SH   SOLE   0 0 31,627
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 375 4,083 SH   SOLE   0 0 4,083
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,841 17,944 SH   SOLE   0 0 17,944
WESCO INTL INC COM 95082P105 376 4,348 SH   SOLE   0 0 4,348
SPDR SER TR S&P DIVID ETF 78464A763 1,882 15,949 SH   SOLE   0 0 15,949
ISHARES GOLD TR ISHARES 464285105 182 11,197 SH   SOLE   0 0 11,197
ISHARES TR EAFE VALUE ETF 464288877 4,609 90,429 SH   SOLE   0 0 90,429
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 6,527 43,034 SH   SOLE   0 0 43,034
ISHARES TR U.S. MED DVC ETF 464288810 1,075 3,254 SH   SOLE   0 0 3,254
ISHARES TR SHORT TREAS BD 464288679 6,791 61,450 SH   SOLE   0 0 61,450
ISHARES TR USD INV GRDE ETF 464288620 305 5,163 SH   SOLE   0 0 5,163
ISHARES TR MBS ETF 464288588 257 2,372 SH   SOLE   0 0 2,372
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 718 4,073 SH   SOLE   0 0 4,073
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,207 24,585 SH   SOLE   0 0 24,585
ISHARES TR EAFE SML CP ETF 464288273 2,388 33,245 SH   SOLE   0 0 33,245
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 402 10,992 SH   SOLE   0 0 10,992
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 9,758 104,888 SH   SOLE   0 0 104,888
THERAPEUTICSMD INC COM 88338N107 17 12,948 SH   SOLE   0 0 12,948
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,108 29,458 SH   SOLE   0 0 29,458
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,963 20,442 SH   SOLE   0 0 20,442
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,238 42,520 SH   SOLE   0 0 42,520
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,791 27,437 SH   SOLE   0 0 27,437
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,263 71,220 SH   SOLE   0 0 71,220
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,052 12,700 SH   SOLE   0 0 12,700
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 507 9,881 SH   SOLE   0 0 9,881
XPRESSPA GROUP INC COM 98420U703 98 53,031 SH   SOLE   0 0 53,031
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 785 14,558 SH   SOLE   0 0 14,558
ISHARES TR MSCI USA MIN VOL 46429B697 364 5,266 SH   SOLE   0 0 5,266
ISHARES TR US TREAS BD ETF 46429B267 528 20,163 SH   SOLE   0 0 20,163
ISHARES INC CORE MSCI EMKT 46434G103 6,038 93,813 SH   SOLE   0 0 93,813
ISHARES TR CORE MSCI TOTAL 46432F834 953 13,566 SH   SOLE   0 0 13,566
ISHARES TR CORE MSCI EAFE 46432F842 2,064 28,651 SH   SOLE   0 0 28,651
ISHARES TR MSCI USA MMENTM 46432F396 1,926 11,974 SH   SOLE   0 0 11,974
ISHARES TR CORE DIV GRWTH 46434V621 2,991 61,965 SH   SOLE   0 0 61,965
ISHARES TR FALN ANGLS USD 46435G474 2,624 89,736 SH   SOLE   0 0 89,736
ISHARES TR ESG AWR MSCI USA 46435G425 8,501 93,553 SH   SOLE   0 0 93,553