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
ADOBE INC COM 00724F101 BBG001S5NCQ5 1,351,896 2,266 SH   SOLE   0 0 2,266
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 674,990 4,579 SH   SOLE   0 0 4,579
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 483,048 3,458 SH   SOLE   0 0 3,458
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 668,008 4,740 SH   SOLE   0 0 4,740
AMAZON COM INC COM 023135106 BBG001S5PQL7 785,226 5,168 SH   SOLE   0 0 5,168
APPLE INC COM 037833100 BBG001S5N8V8 3,625,392 18,830 SH   SOLE   0 0 18,830
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 946,489 5,840 SH   SOLE   0 0 5,840
CISCO SYS INC COM 17275R102 BBG001S6HC62 467,613 9,256 SH   SOLE   0 0 9,256
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 2,628,467 44,087 SH   SOLE   0 0 44,087
GEN DIGITAL INC COM 668771108 BBG001S5QG38 361,765 15,853 SH   SOLE   0 0 15,853
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 332,987 2,609 SH   SOLE   0 0 2,609
HP INC COM 40434L105 BBG001S6W7N7 241,111 8,013 SH   SOLE   0 0 8,013
INTUIT COM 461202103 BBG001S6TWR2 263,763 422 SH   SOLE   0 0 422
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 239,056 12,516 SH   SOLE   0 0 12,516
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 2,772,006 85,345 SH   SOLE   0 0 85,345
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 BBG00KJR2976 231,913 7,189 SH   SOLE   0 0 7,189
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,222,008 2,984 SH   SOLE   0 0 2,984
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 2,334,267 46,150 SH   SOLE   0 0 46,150
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 7,517,746 175,402 SH   SOLE   0 0 175,402
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 9,602,423 172,737 SH   SOLE   0 0 172,737
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 469,309 4,746 SH   SOLE   0 0 4,746
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 6,685,994 95,039 SH   SOLE   0 0 95,039
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 252,114 2,329 SH   SOLE   0 0 2,329
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 9,206,646 87,491 SH   SOLE   0 0 87,491
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 688,272 1,441 SH   SOLE   0 0 1,441
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 437,088 4,404 SH   SOLE   0 0 4,404
ISHARES TR EGSADVNCDMSCI EM 46436E742 BBG00XR16C66 565,695 15,935 SH   SOLE   0 0 15,935
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 297,628 3,940 SH   SOLE   0 0 3,940
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 424,242 11,161 SH   SOLE   0 0 11,161
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 517,780 4,935 SH   SOLE   0 0 4,935
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 1,119,655 17,527 SH   SOLE   0 0 17,527
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 321,143 8,065 SH   SOLE   0 0 8,065
ISHARES TR INTL EQTY FACTOR 46434V274 BBG008LPBS09 7,376,190 263,153 SH   SOLE   0 0 263,153
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,964,457 26,071 SH   SOLE   0 0 26,071
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 445,775 11,086 SH   SOLE   0 0 11,086
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 7,959,999 211,928 SH   SOLE   0 0 211,928
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 15,012,135 102,026 SH   SOLE   0 0 102,026
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 4,579,699 128,319 SH   SOLE   0 0 128,319
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 241,279 920 SH   SOLE   0 0 920
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,023,227 5,098 SH   SOLE   0 0 5,098
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 637,814 2,330 SH   SOLE   0 0 2,330
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 9,744,401 201,789 SH   SOLE   0 0 201,789
ISHARES TR US SML CAP EQT 46434V290 BBG008LP6CK8 5,218,002 88,711 SH   SOLE   0 0 88,711
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 291,693 1,861 SH   SOLE   0 0 1,861
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 750,112 1,655 SH   SOLE   0 0 1,655
MERCK & CO INC COM 58933Y105 BBG001S5TC52 223,526 2,050 SH   SOLE   0 0 2,050
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,299,045 3,455 SH   SOLE   0 0 3,455
ORACLE CORP COM 68389X105 BBG001S5SJG6 355,088 3,368 SH   SOLE   0 0 3,368
PEPSICO INC COM 713448108 BBG001S695T1 479,705 2,824 SH   SOLE   0 0 2,824
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 449,790 18,144 SH   SOLE   0 0 18,144
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 5,172,080 139,937 SH   SOLE   0 0 139,937
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 312,938 6,294 SH   SOLE   0 0 6,294
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 BBG0051GPYJ9 972,834 15,922 SH   SOLE   0 0 15,922
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 1,103,647 17,818 SH   SOLE   0 0 17,818
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 500,862 9,049 SH   SOLE   0 0 9,049
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 3,076,342 113,351 SH   SOLE   0 0 113,351
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 1,653,175 49,012 SH   SOLE   0 0 49,012
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 5,161,399 148,061 SH   SOLE   0 0 148,061
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 4,908,413 88,170 SH   SOLE   0 0 88,170
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 661,346 11,726 SH   SOLE   0 0 11,726
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 2,042,884 60,067 SH   SOLE   0 0 60,067
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 684,869 1,441 SH   SOLE   0 0 1,441
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,826,261 31,245 SH   SOLE   0 0 31,245
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 232,700 442 SH   SOLE   0 0 442
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 22,164,433 101,602 SH   SOLE   0 0 101,602
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 739,502 1,693 SH   SOLE   0 0 1,693
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,888,857 13,542 SH   SOLE   0 0 13,542
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 47,529,606 200,361 SH   SOLE   0 0 200,361
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 5,931,589 105,657 SH   SOLE   0 0 105,657
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,234,115 54,358 SH   SOLE   0 0 54,358
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 11,390,834 192,023 SH   SOLE   0 0 192,023
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 4,476,889 26,273 SH   SOLE   0 0 26,273
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 421,891 7,279 SH   SOLE   0 0 7,279
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 17,743,885 370,436 SH   SOLE   0 0 370,436
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 4,881,552 61,527 SH   SOLE   0 0 61,527