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
AT&T INC COM 00206R102 10 344 SH   SOLE   0 0 344
ALIGN TECHNOLOGY INC COM 016255101 672 1,100 SH   SOLE   0 0 1,100
APPLE INC COM 037833100 110 805 SH   SOLE   0 0 805
BALLARD PWR SYS INC NEW COM 058586108 1 50 SH   SOLE   0 0 50
BLACKROCK INC COM 09247X101 451 516 SH   SOLE   0 0 516
BRISTOL-MYERS SQUIBB CO COM 110122108 12 175 SH   SOLE   0 0 175
BROADCOM INC COM 11135F101 48 100 SH   SOLE   0 0 100
CARRIER GLOBAL CORPORATION COM 14448C104 4 88 SH   SOLE   0 0 88
CERENCE INC COM 156727109 47 442 SH   SOLE   0 0 442
CITIGROUP INC COM NEW 172967424 118 1,672 SH   SOLE   0 0 1,672
COMCAST CORP NEW CL A 20030N101 218 3,831 SH   SOLE   0 0 3,831
DNP SELECT INCOME FD INC COM 23325P104 16 1,500 SH   SOLE   0 0 1,500
DELTA AIR LINES INC DEL COM NEW 247361702 4 100 SH   SOLE   0 0 100
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 196 3,358 SH   SOLE   0 0 3,358
DISNEY WALT CO COM 254687106 682 3,881 SH   SOLE   0 0 3,881
DOMINION ENERGY INC COM 25746U109 11 150 SH   SOLE   0 0 150
EXXON MOBIL CORP COM 30231G102 9 137 SH   SOLE   0 0 137
FIREEYE INC COM 31816Q101 166 8,219 SH   SOLE   0 0 8,219
FORD MTR CO DEL COM 345370860 1 64 SH   SOLE   0 0 64
INTEL CORP COM 458140100 854 15,212 SH   SOLE   0 0 15,212
INTERNATIONAL BUSINESS MACHS COM 459200101 4 30 SH   SOLE   0 0 30
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 8,306 431,458 SH   SOLE   0 0 431,458
IRON MTN INC NEW COM 46284V101 127 3,006 SH   SOLE   0 0 3,006
ISHARES TR CORE S&P TTL STK 464287150 927 9,388 SH   SOLE   0 0 9,388
ISHARES TR TIPS BD ETF 464287176 2,329 18,195 SH   SOLE   0 0 18,195
ISHARES TR MSCI EMG MKT ETF 464287234 844 15,308 SH   SOLE   0 0 15,308
ISHARES TR IBOXX INV CP ETF 464287242 86 639 SH   SOLE   0 0 639
ISHARES TR 1 3 YR TREAS BD 464287457 455 5,283 SH   SOLE   0 0 5,283
ISHARES TR RUS MDCP VAL ETF 464287473 784 6,821 SH   SOLE   0 0 6,821
ISHARES TR RUS MD CP GR ETF 464287481 32 286 SH   SOLE   0 0 286
ISHARES TR CORE S&P MCP ETF 464287507 148 549 SH   SOLE   0 0 549
ISHARES TR COHEN STEER REIT 464287564 272 4,163 SH   SOLE   0 0 4,163
ISHARES TR RUS 1000 VAL ETF 464287598 56 351 SH   SOLE   0 0 351
ISHARES TR RUS 1000 GRW ETF 464287614 75 276 SH   SOLE   0 0 276
ISHARES TR RUS 2000 VAL ETF 464287630 2 11 SH   SOLE   0 0 11
ISHARES TR RUS 2000 GRW ETF 464287648 2 7 SH   SOLE   0 0 7
ISHARES TR S&P MC 400VL ETF 464287705 0 4 SH   SOLE   0 0 4
ISHARES TR U.S. REAL ES ETF 464287739 2,237 21,947 SH   SOLE   0 0 21,947
ISHARES TR CORE S&P SCP ETF 464287804 220 1,950 SH   SOLE   0 0 1,950
ISHARES TR SP SMCP600VL ETF 464287879 104 984 SH   SOLE   0 0 984
ISHARES TR S&P SML 600 GWT 464287887 7 52 SH   SOLE   0 0 52
ISHARES S&P GSCI COMMODITYISHARES UNIT BEN INT 46428R107 232 14,408 SH   SOLE   0 0 14,408
ISHARES INC CORE MSCI EMKT 46434G103 1,087 16,219 SH   SOLE   0 0 16,219
ISHARES TR CORE MSCI INTL 46435G326 892 13,222 SH   SOLE   0 0 13,222
JOHNSON & JOHNSON COM 478160104 122 739 SH   SOLE   0 0 739
KIMBERLY-CLARK CORP COM 494368103 36 270 SH   SOLE   0 0 270
MCDONALDS CORP COM 580135101 9 38 SH   SOLE   0 0 38
MIMEDX GROUP INC COM 602496101 360 28,775 SH   SOLE   0 0 28,775
NEVRO CORP COM 64157F103 133 800 SH   SOLE   0 0 800
NUANCE COMMUNICATIONS INC COM 67020Y100 272 5,000 SH   SOLE   0 0 5,000
NVIDIA CORPORATION COM 67066G104 14 17 SH   SOLE   0 0 17
ORGANOGENESIS HLDGS INC COM 68621F102 17 1,000 SH   SOLE   0 0 1,000
OTIS WORLDWIDE CORP COM 68902V107 4 44 SH   SOLE   0 0 44
PEPSICO INC COM 713448108 15 100 SH   SOLE   0 0 100
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,322 22,774 SH   SOLE   0 0 22,774
PROCTER AND GAMBLE CO COM 742718109 61 452 SH   SOLE   0 0 452
RAYTHEON TECHNOLOGIES CORP COM 75513E101 7 87 SH   SOLE   0 0 87
ROYAL BK CDA COM 780087102 18 175 SH   SOLE   0 0 175
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,695 24,984 SH   SOLE   0 0 24,984
SPDR SER TR PORTFLI TIPS ETF 78464A656 582 18,699 SH   SOLE   0 0 18,699
SCHWAB CHARLES CORP COM 808513105 59 817 SH   SOLE   0 0 817
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,462 33,205 SH   SOLE   0 0 33,205
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,253 16,010 SH   SOLE   0 0 16,010
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,380 13,243 SH   SOLE   0 0 13,243
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 827 25,151 SH   SOLE   0 0 25,151
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,970 75,277 SH   SOLE   0 0 75,277
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 28 508 SH   SOLE   0 0 508
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,202 26,252 SH   SOLE   0 0 26,252
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,594 70,168 SH   SOLE   0 0 70,168
SCHWAB STRATEGIC TR US TIPS ETF 808524870 836 13,369 SH   SOLE   0 0 13,369
SMUCKER J M CO COM NEW 832696405 35 270 SH   SOLE   0 0 270
TELEFONICA S A SPONSORED ADR 879382208 0 2 SH   SOLE   0 0 2
3M CO COM 88579Y101 82 415 SH   SOLE   0 0 415
UBIQUITI INC COM 90353W103 981 3,141 SH   SOLE   0 0 3,141
UNDER ARMOUR INC CL A 904311107 79 3,750 SH   SOLE   0 0 3,750
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 111 1,298 SH   SOLE   0 0 1,298
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 19,227 373,191 SH   SOLE   0 0 373,191
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,444 210,712 SH   SOLE   0 0 210,712
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 22,508 366,393 SH   SOLE   0 0 366,393
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 11,290 136,507 SH   SOLE   0 0 136,507
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 12,324 129,628 SH   SOLE   0 0 129,628
VARONIS SYS INC COM 922280102 104 1,800 SH   SOLE   0 0 1,800
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2 6 SH   SOLE   0 0 6
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 200 1,427 SH   SOLE   0 0 1,427
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 255 1,079 SH   SOLE   0 0 1,079
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9,062 89,030 SH   SOLE   0 0 89,030
VANGUARD INDEX FDS SMALL CP ETF 922908751 6 27 SH   SOLE   0 0 27
VANGUARD INDEX FDS TOTAL STK MKT 922908769 15,973 71,687 SH   SOLE   0 0 71,687
VERIZON COMMUNICATIONS INC COM 92343V104 105 1,873 SH   SOLE   0 0 1,873
VERICEL CORP COM 92346J108 446 8,500 SH   SOLE   0 0 8,500
VIACOMCBS INC CL B 92556H206 69 1,516 SH   SOLE   0 0 1,516
WALGREENS BOOTS ALLIANCE INC COM 931427108 9 175 SH   SOLE   0 0 175
XILINX INC COM 983919101 3 19 SH   SOLE   0 0 19
CAMBIUM NETWORKS CORP SHS G17766109 109 2,250 SH   SOLE   0 0 2,250
NANO X IMAGING LTD ORD SHS M70700105 481 15,000 SH   SOLE   0 0 15,000