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
ABERDEEN STANDARD PHYSICAL PALLADIUM SHARES ETF ETF 003262102 4 17 SH   SOLE   0 0 17
ALPHABET INC CAP STK CL A Stock 02079K305 144 82 SH   SOLE   0 0 82
AMAZON COM INC COM Stock 023135106 469 144 SH   SOLE   0 0 144
APPLE INC COM Stock 037833100 334 2,520 SH   SOLE   0 0 2,520
ARK INNOVATION ETF ETF 00214Q104 157 1,261 SH   SOLE   0 0 1,261
DRAFTKINGS INC COM CL A Stock 26142R104 47 1,000 SH   SOLE   0 0 1,000
INVESCO QQQ TRUST ETF 46090E103 29 94 SH   SOLE   0 0 94
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 9,115 203,368 SH   SOLE   0 0 203,368
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 67 998 SH   SOLE   0 0 998
ISHARES CORE S&P 500 ETF ETF 464287200 1,425 3,795 SH   SOLE   0 0 3,795
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 4,207 35,597 SH   SOLE   0 0 35,597
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ETF 46435G243 15 592 SH   SOLE   0 0 592
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ETF 46435U663 7 204 SH   SOLE   0 0 204
ISHARES ESG AWARE U.S. AGGREGATE BOND ETF ETF 46435U549 69 1,218 SH   SOLE   0 0 1,218
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF ETF 46434VBK5 922 36,997 SH   SOLE   0 0 36,997
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 1,016 39,732 SH   SOLE   0 0 39,732
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 1,058 40,259 SH   SOLE   0 0 40,259
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 985 37,055 SH   SOLE   0 0 37,055
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 565 20,640 SH   SOLE   0 0 20,640
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 162 5,960 SH   SOLE   0 0 5,960
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 103 3,750 SH   SOLE   0 0 3,750
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 104 3,510 SH   SOLE   0 0 3,510
ISHARES IBOXX USD HIGH YIELD CORPORATE BOND ETF ETF 464288513 221 2,530 SH   SOLE   0 0 2,530
ISHARES IBOXX USD INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 1,502 10,875 SH   SOLE   0 0 10,875
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570 13 186 SH   SOLE   0 0 186
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 27,762 408,991 SH   SOLE   0 0 408,991
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 10,130 87,173 SH   SOLE   0 0 87,173
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF ETF 464287556 19 123 SH   SOLE   0 0 123
ISHARES PREFERRED AND INCOME SECURITIES ETF ETF 464288687 111 2,880 SH   SOLE   0 0 2,880
ISHARES RUSSELL 2000 ETF ETF 464287655 365 1,860 SH   SOLE   0 0 1,860
ISHARES S&P MID-CAP FUND ETF ETF 464287507 3,241 14,101 SH   SOLE   0 0 14,101
ISHARES S&P SMALL-CAP FUND ETF ETF 464287804 2,444 26,596 SH   SOLE   0 0 26,596
MICROSOFT CORP COM Stock 594918104 116 520 SH   SOLE   0 0 520
PAYPAL HLDGS INC COM Stock 70450Y103 59 250 SH   SOLE   0 0 250
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 42 466 SH   SOLE   0 0 466
SPDR BLOOMBERG BARCLAYS CONVERTIBLE SECURITIES ETF ETF 78464A359 213 2,570 SH   SOLE   0 0 2,570
SPDR GOLD SHARES ETF ETF 78463V107 7,508 42,092 SH   SOLE   0 0 42,092
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 12,523 226,489 SH   SOLE   0 0 226,489
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 1,540 44,792 SH   SOLE   0 0 44,792
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 669 21,317 SH   SOLE   0 0 21,317
SQUARE INC CL A Stock 852234103 65 300 SH   SOLE   0 0 300
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF ETF 921908844 734 5,200 SH   SOLE   0 0 5,200
VANGUARD ESG INTERNATIONAL STOCK ETF ETF 921910725 3 53 SH   SOLE   0 0 53
VANGUARD ESG U.S. STOCK ETF ETF 921910733 29 418 SH   SOLE   0 0 418
VANGUARD GROWTH INDEX FUND ETF ETF 922908736 6,571 25,939 SH   SOLE   0 0 25,939
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 2,405 26,282 SH   SOLE   0 0 26,282
VANGUARD LARGE-CAP INDEX FUND ETF ETF 922908637 2,759 15,701 SH   SOLE   0 0 15,701
VANGUARD MEGA CAP ETF ETF 921910873 220 1,652 SH   SOLE   0 0 1,652
VANGUARD MEGA CAP GROWTH ETF ETF 921910816 4,526 22,213 SH   SOLE   0 0 22,213
VANGUARD MEGA CAP VALUE ETF ETF 921910840 2,204 25,381 SH   SOLE   0 0 25,381
VANGUARD MID-CAP GROWTH INDEX FUND ETF ETF 922908538 360 1,698 SH   SOLE   0 0 1,698
VANGUARD MID-CAP INDEX FUND ETF ETF 922908629 2,030 9,816 SH   SOLE   0 0 9,816
VANGUARD MID-CAP VALUE INDEX FUND ETF ETF 922908512 202 1,701 SH   SOLE   0 0 1,701
VANGUARD S&P 500 ETF ETF 922908363 137 400 SH   SOLE   0 0 400
VANGUARD S&P 500 GROWTH ETF ETF 921932505 7 31 SH   SOLE   0 0 31
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 480 1,795 SH   SOLE   0 0 1,795
VANGUARD SMALL-CAP INDEX FUND ETF ETF 922908751 2,802 14,393 SH   SOLE   0 0 14,393
VANGUARD SMALL-CAP VALUE INDEX FUND ETF ETF 922908611 292 2,051 SH   SOLE   0 0 2,051
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 22 112 SH   SOLE   0 0 112
VANGUARD VALUE FUND ETF ETF 922908744 1,667 14,010 SH   SOLE   0 0 14,010