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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   224,370 1,871 SH   SOLE 0 0 0 1,871
BOEING CO COM 097023105   317,166 1,665 SH   SOLE 0 0 0 1,665
CATERPILLAR INC COM 149123101   426,284 1,779 SH   SOLE 0 0 0 1,779
DEERE & CO COM 244199105   1,329,156 3,100 SH   SOLE 0 0 0 3,100
DOMINION ENERGY INC COM 25746U109   213,026 3,474 SH   SOLE 0 0 0 3,474
EXXON MOBIL CORP COM 30231G102   644,814 5,846 SH   SOLE 0 0 0 5,846
ISHARES TR CORE US AGGBD ET 464287226   683,973 7,052 SH   SOLE 0 0 0 7,052
ISHARES TR MORNINGSTR US EQ 464287127   4,372,443 83,063 SH   SOLE 0 0 0 83,063
ISHARES TR MRGSTR MD CP ETF 464288208   4,955,738 84,468 SH   SOLE 0 0 0 84,468
ISHARES TR SHRT NAT MUN ETF 464288158   408,321 3,916 SH   SOLE 0 0 0 3,916
ISHARES TR ESG AWR US AGRGT 46435U549   406,591 8,699 SH   SOLE 0 0 0 8,699
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   398,233 7,944 SH   SOLE 0 0 0 7,944
JOHNSON & JOHNSON COM 478160104   281,580 1,594 SH   SOLE 0 0 0 1,594
KIMBERLY-CLARK CORP COM 494368103   333,674 2,458 SH   SOLE 0 0 0 2,458
MICROSOFT CORP COM 594918104   342,223 1,427 SH   SOLE 0 0 0 1,427
PACER FDS TR US CASH COWS 100 69374H881   464,877 10,051 SH   SOLE 0 0 0 10,051
PEPSICO INC COM 713448108   348,854 1,931 SH   SOLE 0 0 0 1,931
PFIZER INC COM 717081103   1,384,448 27,019 SH   SOLE 0 0 0 27,019
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   5,154,599 52,251 SH   SOLE 0 0 0 52,251
ROYCE VALUE TR INC COM 780910105   209,177 15,775 SH   SOLE 0 0 0 15,775
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,067,305 46,135 SH   SOLE 0 0 0 46,135
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,003,082 38,677 SH   SOLE 0 0 0 38,677
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,078,448 16,437 SH   SOLE 0 0 0 16,437
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   6,913,033 91,515 SH   SOLE 0 0 0 91,515
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   200,740 6,211 SH   SOLE 0 0 0 6,211
SPDR SER TR S&P DIVID ETF 78464A763   761,419 6,086 SH   SOLE 0 0 0 6,086
SPDR SER TR PORTFLI TIPS ETF 78464A656   312,855 12,145 SH   SOLE 0 0 0 12,145
UNITEDHEALTH GROUP INC COM 91324P102   259,692 490 SH   SOLE 0 0 0 490
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   376,865 2,304 SH   SOLE 0 0 0 2,304
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   15,193,942 211,497 SH   SOLE 0 0 0 211,497
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   247,489 1,830 SH   SOLE 0 0 0 1,830
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,225,474 3,488 SH   SOLE 0 0 0 3,488
VANGUARD INDEX FDS TOTAL STK MKT 922908769   519,126 2,715 SH   SOLE 0 0 0 2,715
VANGUARD INDEX FDS VALUE ETF 922908744   4,609,176 32,836 SH   SOLE 0 0 0 32,836
VANGUARD INDEX FDS MID CAP ETF 922908629   1,410,491 6,921 SH   SOLE 0 0 0 6,921
VANGUARD INDEX FDS SM CP VAL ETF 922908611   255,679 1,610 SH   SOLE 0 0 0 1,610
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,899,494 37,591 SH   SOLE 0 0 0 37,591
VANGUARD INDEX FDS GROWTH ETF 922908736   23,690,931 111,168 SH   SOLE 0 0 0 111,168
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   462,071 5,361 SH   SOLE 0 0 0 5,361
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   903,623 18,022 SH   SOLE 0 0 0 18,022
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   252,654 5,409 SH   SOLE 0 0 0 5,409
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,535,129 71,431 SH   SOLE 0 0 0 71,431
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,879,251 38,293 SH   SOLE 0 0 0 38,293
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   637,639 11,028 SH   SOLE 0 0 0 11,028
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   247,351 3,515 SH   SOLE 0 0 0 3,515
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   571,815 10,374 SH   SOLE 0 0 0 10,374
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   590,831 8,874 SH   SOLE 0 0 0 8,874
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,339,214 48,332 SH   SOLE 0 0 0 48,332
VANGUARD STAR FDS VG TL INTL STK F 921909768   237,498 4,592 SH   SOLE 0 0 0 4,592
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   29,205,256 269,894 SH   SOLE 0 0 0 269,894
VANGUARD WORLD FD ESG US STK ETF 921910733   513,906 7,803 SH   SOLE 0 0 0 7,803
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   613,294 12,200 SH   SOLE 0 0 0 12,200