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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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
3M CO COM 88579Y101 231 1,799 SH   SOLE   0 0 1,799
APPLE INC COM 037833100 1,061 7,634 SH   SOLE   0 0 7,634
BROADWIND INC COM NEW 11161T207 24 14,923 SH   SOLE   0 0 14,923
CARRIAGE SVCS INC COM 143905107 306 7,607 SH   SOLE   0 0 7,607
COCA COLA CO COM 191216100 4,422 68,686 SH   SOLE   0 0 68,686
EMERSON RADIO CORP COM NEW 291087203 23 36,526 SH   SOLE   0 0 36,526
EXXON MOBIL CORP COM 30231G102 230 2,629 SH   SOLE   0 0 2,629
ISHARES INC MSCI EMERG MRKT 464286533 5,659 102,177 SH   SOLE   0 0 102,177
ISHARES INC ESG AWR MSCI EM 46434G863 1,335 41,617 SH   SOLE   0 0 41,617
ISHARES TR FALN ANGLS USD 46435G474 6,274 253,588 SH   SOLE   0 0 253,588
ISHARES TR ESG AWR MSCI USA 46435G425 26,208 308,652 SH   SOLE   0 0 308,652
ISHARES TR US INFRASTRUC 46435U713 1,706 49,281 SH   SOLE   0 0 49,281
ISHARES TR CONV BD ETF 46435G102 2,294 32,994 SH   SOLE   0 0 32,994
ISHARES TR US TREAS BD ETF 46429B267 540 22,448 SH   SOLE   0 0 22,448
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,223 31,657 SH   SOLE   0 0 31,657
ISHARES TR CORE HIGH DV ETF 46429B663 4,333 42,740 SH   SOLE   0 0 42,740
ISHARES TR MSCI USA MIN VOL 46429B697 1,704 23,984 SH   SOLE   0 0 23,984
ISHARES TR GNMA BOND ETF 46429B333 520 11,331 SH   SOLE   0 0 11,331
ISHARES TR 0-5YR HI YL CP 46434V407 1,151 28,361 SH   SOLE   0 0 28,361
ISHARES TR CORE TOTAL USD 46434V613 847 17,965 SH   SOLE   0 0 17,965
ISHARES TR AGENCY BOND ETF 464288166 879 7,970 SH   SOLE   0 0 7,970
ISHARES TR ISHS 1-5YR INVS 464288646 519 10,219 SH   SOLE   0 0 10,219
ISHARES TR 10-20 YR TRS ETF 464288653 2,551 21,095 SH   SOLE   0 0 21,095
ISHARES TR MBS ETF 464288588 6,741 68,782 SH   SOLE   0 0 68,782
ISHARES TR NATIONAL MUN ETF 464288414 246 2,307 SH   SOLE   0 0 2,307
ISHARES TR JPMORGAN USD EMG 464288281 1,162 13,487 SH   SOLE   0 0 13,487
ISHARES TR ISHS 5-10YR INVT 464288638 414 8,048 SH   SOLE   0 0 8,048
ISHARES TR EAFE VALUE ETF 464288877 12,330 283,192 SH   SOLE   0 0 283,192
ISHARES TR EAFE GRWTH ETF 464288885 6,345 78,692 SH   SOLE   0 0 78,692
ISHARES TR CORE US AGGBD ET 464287226 29,710 290,303 SH   SOLE   0 0 290,303
ISHARES TR TIPS BD ETF 464287176 5,985 51,965 SH   SOLE   0 0 51,965
ISHARES TR GLOBAL TECH ETF 464287291 630 13,822 SH   SOLE   0 0 13,822
ISHARES TR US CONSM STAPLES 464287812 206 1,040 SH   SOLE   0 0 1,040
ISHARES TR U.S. ENERGY ETF 464287796 1,918 49,663 SH   SOLE   0 0 49,663
ISHARES TR SP SMCP600VL ETF 464287879 2,988 33,199 SH   SOLE   0 0 33,199
ISHARES TR CORE S&P500 ETF 464287200 40,232 105,021 SH   SOLE   0 0 105,021
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,972 47,860 SH   SOLE   0 0 47,860
MICROSOFT CORP COM 594918104 225 866 SH   SOLE   0 0 866
NORTHERN LTS FD TR III HCM DEFND 100 66538R748 229 6,202 SH   SOLE   0 0 6,202
NORTHERN LTS FD TR III HCM DEFEN 500 66538R730 256 7,393 SH   SOLE   0 0 7,393
SCHWAB STRATEGIC TR LONG TERM US 808524680 584 14,431 SH   SOLE   0 0 14,431
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 510 9,806 SH   SOLE   0 0 9,806
SPDR SER TR PORT MTG BK ETF 78464A383 512 22,257 SH   SOLE   0 0 22,257
SPDR SER TR PORTFLI INTRMDIT 78464A672 877 29,518 SH   SOLE   0 0 29,518
SPDR SER TR PORTFOLIO SH TSR 78468R101 534 18,092 SH   SOLE   0 0 18,092
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 293 5,882 SH   SOLE   0 0 5,882
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 424 1,211 SH   SOLE   0 0 1,211
VANGUARD INDEX FDS TOTAL STK MKT 922908769 800 4,196 SH   SOLE   0 0 4,196
VANGUARD INDEX FDS VALUE ETF 922908744 477 3,583 SH   SOLE   0 0 3,583
VANGUARD INDEX FDS GROWTH ETF 922908736 312 1,385 SH   SOLE   0 0 1,385
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 401 9,692 SH   SOLE   0 0 9,692
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 467 5,788 SH   SOLE   0 0 5,788
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 527 6,883 SH   SOLE   0 0 6,883
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 21,188 344,300 SH   SOLE   0 0 344,300
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 526 8,925 SH   SOLE   0 0 8,925
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 815 19,929 SH   SOLE   0 0 19,929