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
AMAZON COM INC COM Stock 023135106 231 96 SH   SOLE 0 0 0 96
INVESCO QQQ TRUST ETF 46090E103 1,619 7,593 SH   SOLE 0 293 0 7,300
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF ETF 381430107 4,942 209,600 SH   SOLE 0 32,152 0 177,447
JOHNSON JOHNSON COM Stock 478160104 909 6,075 SH   SOLE 0 72 0 6,003
COSTCO WHSL CORP NEW COM Stock 22160K105 268 832 SH   SOLE 0 0 0 832
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570 891 8,466 SH   SOLE 0 146 0 8,320
PROCTER GAMBLE CO COM Stock 742718109 502 4,135 SH   SOLE 0 50 0 4,085
COCA COLA CO COM Stock 191216100 329 6,985 SH   SOLE 0 130 0 6,855
UNITED PARCEL SERVICE INC CL B Stock 911312106 1,036 10,140 SH   SOLE 0 0 0 10,139
VANGUARD REAL ESTATE ETF ETF 922908553 2,034 27,566 SH   SOLE 0 20 0 27,545
INTEL CORP COM Stock 458140100 2,178 35,822 SH   SOLE 0 830 0 34,991
ISHARES EDGE MSCI MULTIFACTOR INTL ETF ETF 46434V274 280 13,398 SH   SOLE 0 0 0 13,398
ISHARES MSCI EAFE ESG SELECT ETF ETF 46435G516 360 6,675 SH   SOLE 0 112 0 6,563
SPDR S P 500 ETF ETF 78462F103 428 1,534 SH   SOLE 0 14 0 1,520
VIRTUS TOTAL RETURN FUND INC COM CEF 92835W107 95 11,700 SH   SOLE 0 0 0 11,700
HOWMET AEROSPACE INC COM Stock 443201108 125 11,662 SH   SOLE 0 0 0 11,662
VERIZON COMMUNICATIONS INC COM Stock 92343V104 3,266 56,640 SH   SOLE 0 1,250 0 55,389
US BANCORP DEL COM NEW Stock 902973304 680 21,390 SH   SOLE 0 0 0 21,390
GOLDMAN SACHS ACCESS INVESTMENT GRADE CORPORATE BOND ETF ETF 381430479 232 4,353 SH   SOLE 0 225 0 4,128
ISHARES ESG 1 5 YEAR USD CORPORATE BOND ETF ETF 46435G243 431 16,848 SH   SOLE 0 232 0 16,616
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 12,207 243,359 SH   SOLE 0 16,991 0 226,367
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,388 44,945 SH   SOLE 0 0 0 44,945
ISHARES SP SMALL-CAP FUND ETF 464287804 633 11,152 SH   SOLE 0 1,251 0 9,900
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 258 1,373 SH   SOLE 0 0 0 1,373
COLONY CR REAL ESTATE INC COM CL A REIT 19625T101 53 15,411 SH   SOLE 0 0 0 15,411
MICROSOFT CORP COM Stock 594918104 786 4,441 SH   SOLE 0 0 0 4,441
FIDELITY LOW DURATION BOND FACTOR ETF ETF 316188408 1,298 25,968 SH   SOLE 0 11,056 0 14,911
BOEING CO COM Stock 097023105 293 2,180 SH   SOLE 0 0 0 2,180
ISHARES ESG US AGGREGATE BOND ETF ETF 46435U549 958 17,068 SH   SOLE 0 220 0 16,848
ALECTOR INC COM Stock 014442107 721 32,053 SH   SOLE 0 0 0 32,052
VANGUARD S P 500 ETF ETF 922908363 282 1,099 SH   SOLE 0 503 0 596
ISHARES US HEALTHCARE PROVIDERS ETF ETF 464288828 219 1,163 SH   SOLE 0 0 0 1,163
ISHARES GLOBAL GREEN BOND ETF ETF 46435U440 285 5,315 SH   SOLE 0 54 0 5,261
ISHARES SELECT DIVIDEND ETF ETF 464287168 930 12,076 SH   SOLE 0 378 0 11,698
ISHARES EDGE MSCI MIN VOL GLOBAL ETF ETF 464286525 274 3,195 SH   SOLE 0 0 0 3,195
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF 46429B689 2,139 33,727 SH   SOLE 0 1,288 0 32,439
ISHARES EDGE MSCI MIN VOL USA ETF ETF 46429B697 24,524 419,720 SH   SOLE 0 44,447 0 375,272
ISHARES US TREASURY BOND ETF ETF 46429B267 4,871 172,669 SH   SOLE 0 4,508 0 168,160
NUVEEN MUN VALUE FD INC COM CEF 670928100 256 26,070 SH   SOLE 0 0 0 26,070
ROYCE VALUE TR INC COM CEF 780910105 110 10,717 SH   SOLE 0 0 0 10,717
ISHARES AAA A RATED CORPORATE BOND ETF ETF 46429B291 4,002 70,680 SH   SOLE 0 12,473 0 58,206
INVESCO FTSE RAFI US 1500A SMALL MIDA ETF ETF 46137V597 223 2,455 SH   SOLE 0 0 0 2,455
ISHARES US MEDICAL DEVICES ETF ETF 464288810 1,472 5,849 SH   SOLE 0 365 0 5,484
ISHARES SHORT-TERM CORPORATE BOND ETF ETF 464288646 5,506 102,689 SH   SOLE 0 4,396 0 98,292
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 328 7,767 SH   SOLE 0 299 0 7,468
AT T INC COM Stock 00206R102 2,282 75,675 SH   SOLE 0 3,075 0 72,599
VEEVA SYS INC CL A COM Stock 922475108 279 1,600 SH   SOLE 0 0 0 1,600
FIDELITY MSCI UTILITIES INDEX ETF ETF 316092865 1,476 39,049 SH   SOLE 0 690 0 38,359
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF ETF 316092808 200 2,925 SH   SOLE 0 25 0 2,900
ISHARES CORE S P 500 ETF ETF 464287200 4,022 14,363 SH   SOLE 0 539 0 13,824
UNION PAC CORP COM Stock 907818108 760 5,277 SH   SOLE 0 0 0 5,276
NORTHROP GRUMMAN CORP COM Stock 666807102 430 1,242 SH   SOLE 0 0 0 1,242
JPMORGAN CHASE CO COM Stock 46625H100 256 2,927 SH   SOLE 0 0 0 2,927
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 241 8,126 SH   SOLE 0 226 0 7,900
TJX COS INC NEW COM Stock 872540109 803 17,278 SH   SOLE 0 0 0 17,277
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 402 3,471 SH   SOLE 0 252 0 3,218
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 802 12,840 SH   SOLE 0 0 0 12,840
PFIZER INC COM Stock 717081103 257 7,161 SH   SOLE 0 75 0 7,086
ISHARES IBOXX INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 633 4,866 SH   SOLE 0 1,187 0 3,679
AMGEN INC COM Stock 031162100 537 2,324 SH   SOLE 0 50 0 2,274
ISHARES CORE S P U.S. GROWTH ETF ETF 464287671 12,020 191,499 SH   SOLE 0 38,563 0 152,935
TC ENERGY CORP COM Stock 87807B107 271 6,100 SH   SOLE 0 6,100 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 2,322 20,871 SH   SOLE 0 875 0 19,996
ISHARES CORE US AGGREGATE BOND ETF ETF 464287226 15,583 132,747 SH   SOLE 0 15,541 0 117,205
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 616 17,757 SH   SOLE 0 2,290 0 15,467
INVESCO NATIONAL AMT-FREE MUNICIPAL BOND ETF ETF 46138E537 1,100 42,191 SH   SOLE 0 265 0 41,926
ISHARES LIQUIDITY INCOME ETF ETF 46434V878 3,733 74,338 SH   SOLE 0 5,769 0 68,569
DNP SELECT INCOME FD INC COM CEF 23325P104 177 16,765 SH   SOLE 0 0 0 16,765
FIRST TRUST WATER ETF ETF 33733B100 327 6,576 SH   SOLE 0 184 0 6,392
FIDELITY MSCI REAL ESTATE INDEX ETF ETF 316092857 1,706 77,634 SH   SOLE 0 4,288 0 73,346
EXXON MOBIL CORP COM Stock 30231G102 345 8,825 SH   SOLE 0 4,245 0 4,580
UNITEDHEALTH GROUP INC COM Stock 91324P102 240 804 SH   SOLE 0 0 0 804
ISHARES INTEREST RATE HEDGED CORPORATE BOND ETF ETF 46431W705 429 4,895 SH   SOLE 0 870 0 4,025
ISHARES MSCI ACWI LOW CARBON TARGET ETF ETF 46434V464 239 2,198 SH   SOLE 0 28 0 2,170
ISHARES S P MIDCAP FUND ETF 464287507 2,940 19,574 SH   SOLE 0 1,127 0 18,447
APPLE INC COM Stock 037833100 2,739 9,555 SH   SOLE 0 5 0 9,549
DISNEY WALT CO COM DISNEY Stock 254687106 650 6,376 SH   SOLE 0 0 0 6,375
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 739 7,054 SH   SOLE 0 64 0 6,990