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
ADOBE SYSTEMS INCORPORATED COM 00724F101 651 2,366 SH   SOLE   0 0 2,366
ADVANCED MICRO DEVICES INC COM 007903107 319 5,037 SH   SOLE   0 0 5,037
ALPHABET INC CAP STK CL A 02079K305 445 4,650 SH   SOLE   0 0 4,650
ALPHABET INC CAP STK CL C 02079K107 458 4,760 SH   SOLE   0 0 4,760
AMAZON COM INC COM 023135106 550 4,870 SH   SOLE   0 0 4,870
APPLE INC COM 037833100 3,031 21,933 SH   SOLE   0 0 21,933
APPLIED MATLS INC COM 038222105 501 6,112 SH   SOLE   0 0 6,112
CISCO SYS INC COM 17275R102 431 10,784 SH   SOLE   0 0 10,784
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,272 48,844 SH   SOLE   0 0 48,844
INTERNATIONAL BUSINESS MACHS COM 459200101 222 1,866 SH   SOLE   0 0 1,866
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 203 12,516 SH   SOLE   0 0 12,516
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 1,417 55,344 SH   SOLE   0 0 55,344
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 270 1,852 SH   SOLE   0 0 1,852
INVESCO QQQ TR UNIT SER 1 46090E103 798 2,984 SH   SOLE   0 0 2,984
ISHARES INC CORE MSCI EMKT 46434G103 655 15,236 SH   SOLE   0 0 15,236
ISHARES INC ESG AWR MSCI EM 46434G863 344 12,445 SH   SOLE   0 0 12,445
ISHARES INC MSCI EMERG MKT 46434G889 6,286 163,580 SH   SOLE   0 0 163,580
ISHARES INC MSCI EMERG MRKT 464286533 10,775 212,614 SH   SOLE   0 0 212,614
ISHARES TR CORE MSCI EAFE 46432F842 5,993 113,787 SH   SOLE   0 0 113,787
ISHARES TR CORE S&P TTL STK 464287150 5,877 73,882 SH   SOLE   0 0 73,882
ISHARES TR CORE S&P500 ETF 464287200 523 1,459 SH   SOLE   0 0 1,459
ISHARES TR CORE US AGGBD ET 464287226 395 4,102 SH   SOLE   0 0 4,102
ISHARES TR ESG AW MSCI EAFE 46435G516 671 11,955 SH   SOLE   0 0 11,955
ISHARES TR ESG AWARE MSCI 46435U663 289 9,430 SH   SOLE   0 0 9,430
ISHARES TR ESG EAFE ETF 46436E759 315 6,755 SH   SOLE   0 0 6,755
ISHARES TR ESG MSCI USA ETF 46436E767 381 13,580 SH   SOLE   0 0 13,580
ISHARES TR INTL EQTY FACTOR 46434V274 6,453 308,145 SH   SOLE   0 0 308,145
ISHARES TR MSCI EAFE ETF 464287465 1,575 28,126 SH   SOLE   0 0 28,126
ISHARES TR MSCI EMG MKT ETF 464287234 494 14,175 SH   SOLE   0 0 14,175
ISHARES TR MSCI INTL QUALTY 46434V456 6,440 231,805 SH   SOLE   0 0 231,805
ISHARES TR MSCI USA QLT FCT 46432F339 9,862 94,886 SH   SOLE   0 0 94,886
ISHARES TR MSCI USA SMCP MN 46435G433 4,661 146,052 SH   SOLE   0 0 146,052
ISHARES TR MSCI USA SML CP 46434V290 4,297 96,005 SH   SOLE   0 0 96,005
ISHARES TR NATIONAL MUN ETF 464288414 1,495 14,578 SH   SOLE   0 0 14,578
ISHARES TR RUSSELL 2000 ETF 464287655 909 5,513 SH   SOLE   0 0 5,513
ISHARES TR RUSSELL 3000 ETF 464287689 489 2,363 SH   SOLE   0 0 2,363
ISHARES TR U S EQUITY FACTR 46434V282 8,426 232,629 SH   SOLE   0 0 232,629
JOHNSON & JOHNSON COM 478160104 361 2,213 SH   SOLE   0 0 2,213
LOCKHEED MARTIN CORP COM 539830109 717 1,855 SH   SOLE   0 0 1,855
MERCK & CO INC COM 58933Y105 223 2,587 SH   SOLE   0 0 2,587
MICROSOFT CORP COM 594918104 809 3,475 SH   SOLE   0 0 3,475
NORTONLIFELOCK INC COM 668771108 319 15,853 SH   SOLE   0 0 15,853
ORACLE CORP COM 68389X105 428 7,006 SH   SOLE   0 0 7,006
PAYPAL HLDGS INC COM 70450Y103 234 2,715 SH   SOLE   0 0 2,715
PEPSICO INC COM 713448108 616 3,773 SH   SOLE   0 0 3,773
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 533 23,816 SH   SOLE   0 0 23,816
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,393 120,635 SH   SOLE   0 0 120,635
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 1,230 26,096 SH   SOLE   0 0 26,096
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 889 18,618 SH   SOLE   0 0 18,618
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 381 8,951 SH   SOLE   0 0 8,951
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 3,038 129,591 SH   SOLE   0 0 129,591
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,963 78,060 SH   SOLE   0 0 78,060
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 5,218 191,911 SH   SOLE   0 0 191,911
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 845 18,646 SH   SOLE   0 0 18,646
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,440 81,922 SH   SOLE   0 0 81,922
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 616 14,548 SH   SOLE   0 0 14,548
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,616 62,625 SH   SOLE   0 0 62,625
SPDR S&P 500 ETF TR TR UNIT 78462F103 510 1,429 SH   SOLE   0 0 1,429
SPDR SER TR PORTFOLI S&P1500 78464A805 1,400 31,736 SH   SOLE   0 0 31,736
UNITEDHEALTH GROUP INC COM 91324P102 279 553 SH   SOLE   0 0 553
VANGUARD INDEX FDS LARGE CAP ETF 922908637 17,570 107,421 SH   SOLE   0 0 107,421
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 489 1,488 SH   SOLE   0 0 1,488
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,326 13,608 SH   SOLE   0 0 13,608
VANGUARD INDEX FDS TOTAL STK MKT 922908769 33,153 184,729 SH   SOLE   0 0 184,729
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,904 110,549 SH   SOLE   0 0 110,549
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,301 63,071 SH   SOLE   0 0 63,071
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 324 3,495 SH   SOLE   0 0 3,495
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,005 20,879 SH   SOLE   0 0 20,879
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,563 26,359 SH   SOLE   0 0 26,359
VANGUARD STAR FDS VG TL INTL STK F 921909768 333 7,279 SH   SOLE   0 0 7,279
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 9,661 265,696 SH   SOLE   0 0 265,696
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,980 48,074 SH   SOLE   0 0 48,074
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,843 67,331 SH   SOLE   0 0 67,331