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
XCEL ENERGY INC COM 98389B100 232 3,287 SH   SOLE   0 0 3,287
VANGUARD WORLD FD MEGA GRWTH IND 921910816 252 1,389 SH   SOLE   0 0 1,389
VANGUARD WORLD FD ESG US STK ETF 921910733 253 3,822 SH   SOLE   0 0 3,822
VANGUARD WORLD FD MEGA GRWTH IND 921910816 256 1,412 SH   SOLE   0 0 1,412
VANGUARD WORLD FD MEGA GRWTH IND 921910816 282 1,553 SH   SOLE   0 0 1,553
VANGUARD WORLD FD MEGA GRWTH IND 921910816 297 1,636 SH   SOLE   0 0 1,636
VANGUARD WORLD FD ESG US STK ETF 921910733 375 5,661 SH   SOLE   0 0 5,661
VANGUARD WORLD FD MEGA GRWTH IND 921910816 431 2,377 SH   SOLE   0 0 2,377
VANGUARD WORLD FD MEGA CAP INDEX 921910873 800 6,074 SH   SOLE   0 0 6,074
VANGUARD STAR FDS VG TL INTL STK F 921909768 252 4,898 SH   SOLE   0 0 4,898
VANGUARD STAR FDS VG TL INTL STK F 921909768 369 7,163 SH   SOLE   0 0 7,163
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 217 1,515 SH   SOLE   0 0 1,515
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 232 1,618 SH   SOLE   0 0 1,618
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 262 1,830 SH   SOLE   0 0 1,830
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 340 2,371 SH   SOLE   0 0 2,371
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 360 2,514 SH   SOLE   0 0 2,514
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 491 3,423 SH   SOLE   0 0 3,423
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 201 4,028 SH   SOLE   0 0 4,028
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 230 4,601 SH   SOLE   0 0 4,601
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 244 4,875 SH   SOLE   0 0 4,875
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 248 4,951 SH   SOLE   0 0 4,951
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 296 5,919 SH   SOLE   0 0 5,919
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 442 8,827 SH   SOLE   0 0 8,827
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 458 9,140 SH   SOLE   0 0 9,140
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 535 10,688 SH   SOLE   0 0 10,688
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 624 12,465 SH   SOLE   0 0 12,465
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 878 17,531 SH   SOLE   0 0 17,531
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 208 4,999 SH   SOLE   0 0 4,999
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 224 4,483 SH   SOLE   0 0 4,483
VANGUARD INDEX FDS TOTAL STK MKT 922908769 201 1,069 SH   SOLE   0 0 1,069
VANGUARD INDEX FDS TOTAL STK MKT 922908769 208 1,107 SH   SOLE   0 0 1,107
VANGUARD INDEX FDS SMALL CP ETF 922908751 210 1,194 SH   SOLE   0 0 1,194
VANGUARD INDEX FDS MID CAP ETF 922908629 213 1,083 SH   SOLE   0 0 1,083
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 219 631 SH   SOLE   0 0 631
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 219 633 SH   SOLE   0 0 633
VANGUARD INDEX FDS LARGE CAP ETF 922908637 223 1,294 SH   SOLE   0 0 1,294
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 225 650 SH   SOLE   0 0 650
VANGUARD INDEX FDS SMALL CP ETF 922908751 240 1,365 SH   SOLE   0 0 1,365
VANGUARD INDEX FDS TOTAL STK MKT 922908769 241 1,279 SH   SOLE   0 0 1,279
VANGUARD INDEX FDS TOTAL STK MKT 922908769 264 1,404 SH   SOLE   0 0 1,404
VANGUARD INDEX FDS TOTAL STK MKT 922908769 267 1,420 SH   SOLE   0 0 1,420
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 279 806 SH   SOLE   0 0 806
VANGUARD INDEX FDS MID CAP ETF 922908629 288 1,463 SH   SOLE   0 0 1,463
VANGUARD INDEX FDS SMALL CP ETF 922908751 288 1,637 SH   SOLE   0 0 1,637
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 305 880 SH   SOLE   0 0 880
VANGUARD INDEX FDS TOTAL STK MKT 922908769 321 1,701 SH   SOLE   0 0 1,701
VANGUARD INDEX FDS MID CAP ETF 922908629 349 1,773 SH   SOLE   0 0 1,773
VANGUARD INDEX FDS TOTAL STK MKT 922908769 360 1,908 SH   SOLE   0 0 1,908
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 372 1,072 SH   SOLE   0 0 1,072
VANGUARD INDEX FDS SMALL CP ETF 922908751 396 2,252 SH   SOLE   0 0 2,252
VANGUARD INDEX FDS SMALL CP ETF 922908751 412 2,343 SH   SOLE   0 0 2,343
VANGUARD INDEX FDS TOTAL STK MKT 922908769 502 2,666 SH   SOLE   0 0 2,666
VANGUARD INDEX FDS LARGE CAP ETF 922908637 531 3,084 SH   SOLE   0 0 3,084
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 546 1,574 SH   SOLE   0 0 1,574
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 622 1,793 SH   SOLE   0 0 1,793
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 759 2,190 SH   SOLE   0 0 2,190
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 250 5,098 SH   SOLE   0 0 5,098
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 263 5,353 SH   SOLE   0 0 5,353
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 401 8,168 SH   SOLE   0 0 8,168
UNION PAC CORP COM 907818108 203 953 SH   SOLE   0 0 953
TOPBUILD CORP COM 89055F103 450 2,694 SH   SOLE   0 0 2,694
NORFOLK SOUTHN CORP COM 655844108 227 1,000 SH   SOLE   0 0 1,000
MICROSOFT CORP COM 594918104 383 1,491 SH   SOLE   0 0 1,491
JOHNSON & JOHNSON COM 478160104 297 1,678 SH   SOLE   0 0 1,678
ISHARES TR RUS 1000 ETF 464287622 201 972 SH   SOLE   0 0 972
ISHARES TR MSCI USA ESG SLC 464288802 218 2,712 SH   SOLE   0 0 2,712
ISHARES TR RUSSELL 2000 ETF 464287655 242 1,430 SH   SOLE   0 0 1,430
ISHARES TR CORE S&P500 ETF 464287200 256 676 SH   SOLE   0 0 676
ISHARES TR RUS 1000 ETF 464287622 276 1,329 SH   SOLE   0 0 1,329
ISHARES TR RUS MID CAP ETF 464287499 301 4,663 SH   SOLE   0 0 4,663
ISHARES TR CORE 1 5 YR USD 46432F859 309 6,536 SH   SOLE   0 0 6,536
ISHARES TR MSCI USA ESG SLC 464288802 338 4,190 SH   SOLE   0 0 4,190
ISHARES TR CORE S&P500 ETF 464287200 364 962 SH   SOLE   0 0 962
ISHARES TR CORE S&P TTL STK 464287150 439 5,245 SH   SOLE   0 0 5,245
ISHARES TR RUSSELL 3000 ETF 464287689 506 2,329 SH   SOLE   0 0 2,329
ISHARES TR RUSSELL 3000 ETF 464287689 625 2,877 SH   SOLE   0 0 2,877
ISHARES TR RUSSELL 3000 ETF 464287689 839 3,860 SH   SOLE   0 0 3,860
ISHARES TR MSCI KLD400 SOC 464288570 862 11,996 SH   SOLE   0 0 11,996
ISHARES TR MSCI KLD400 SOC 464288570 1,231 17,121 SH   SOLE   0 0 17,121
FREIGHTCAR AMER INC COM 357023100 45 12,400 SH   SOLE   0 0 12,400
CSX CORP COM 126408103 234 8,058 SH   SOLE   0 0 8,058
APPLE INC COM 037833100 221 1,621 SH   SOLE   0 0 1,621
APPLE INC COM 037833100 245 1,792 SH   SOLE   0 0 1,792
APPLE INC COM 037833100 332 2,429 SH   SOLE   0 0 2,429
APPLE INC COM 037833100 371 2,717 SH   SOLE   0 0 2,717
APPLE INC COM 037833100 957 7,000 SH   SOLE   0 0 7,000