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
ABERDEEN STANDARD PHYSICAL PALLADIUM SHARES ETF ETF 003262102 4 17 SH   SOLE   0 0 17
ALPHABET INC CAP STK CL A Stock 02079K305 45 22 SH   SOLE   0 0 22
AMAZON COM INC COM Stock 023135106 43 14 SH   SOLE   0 0 14
APPLE INC COM Stock 037833100 31 250 SH   SOLE   0 0 250
ARK INNOVATION ETF ETF 00214Q104 262 2,185 SH   SOLE   0 0 2,185
DRAFTKINGS INC COM CL A Stock 26142R104 61 1,000 SH   SOLE   0 0 1,000
INVESCO QQQ TRUST ETF 46090E103 30 94 SH   SOLE   0 0 94
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 8,626 178,706 SH   SOLE   0 0 178,706
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 501 7,783 SH   SOLE   0 0 7,783
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 1,039 14,786 SH   SOLE   0 0 14,786
ISHARES CORE S&P 500 ETF ETF 464287200 1,526 3,836 SH   SOLE   0 0 3,836
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 2,750 24,162 SH   SOLE   0 0 24,162
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ETF 46435G243 62 2,392 SH   SOLE   0 0 2,392
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ETF 46435U663 19 494 SH   SOLE   0 0 494
ISHARES ESG AWARE U.S. AGGREGATE BOND ETF ETF 46435U549 67 1,218 SH   SOLE   0 0 1,218
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF ETF 46434VBK5 839 33,757 SH   SOLE   0 0 33,757
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 976 38,317 SH   SOLE   0 0 38,317
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 1,036 39,644 SH   SOLE   0 0 39,644
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 978 37,055 SH   SOLE   0 0 37,055
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 554 20,640 SH   SOLE   0 0 20,640
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 157 5,960 SH   SOLE   0 0 5,960
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 100 3,750 SH   SOLE   0 0 3,750
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 99 3,510 SH   SOLE   0 0 3,510
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF ETF 464288513 221 2,530 SH   SOLE   0 0 2,530
ISHARES IBOXX INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 1,880 14,455 SH   SOLE   0 0 14,455
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456 2,187 60,022 SH   SOLE   0 0 60,022
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570 14 186 SH   SOLE   0 0 186
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 10,326 149,240 SH   SOLE   0 0 149,240
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 12,614 103,583 SH   SOLE   0 0 103,583
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 391 1,768 SH   SOLE   0 0 1,768
ISHARES S&P MID-CAP FUND ETF ETF 464287507 589 2,262 SH   SOLE   0 0 2,262
ISHARES S&P SMALL-CAP FUND ETF ETF 464287804 353 3,253 SH   SOLE   0 0 3,253
MICROSOFT CORP COM Stock 594918104 40 170 SH   SOLE   0 0 170
ROBLOX CORP CL A Stock 771049103 10 150 SH   SOLE   0 0 150
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 44 452 SH   SOLE   0 0 452
SPDR BLOOMBERG BARCLAYS CONVERTIBLE SECURITIES ETF ETF 78464A359 214 2,570 SH   SOLE   0 0 2,570
SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 879 28,692 SH   SOLE   0 0 28,692
SPDR GOLD SHARES ETF ETF 78463V107 6,797 42,489 SH   SOLE   0 0 42,489
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 4,985 88,380 SH   SOLE   0 0 88,380
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 6,996 184,584 SH   SOLE   0 0 184,584
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,246 39,810 SH   SOLE   0 0 39,810
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF ETF 921908844 765 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 31 418 SH   SOLE   0 0 418
VANGUARD GROWTH INDEX FUND ETF ETF 922908736 6,647 25,861 SH   SOLE   0 0 25,861
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 2,650 26,212 SH   SOLE   0 0 26,212
VANGUARD LARGE-CAP INDEX FUND ETF ETF 922908637 2,907 15,687 SH   SOLE   0 0 15,687
VANGUARD MEGA CAP ETF ETF 921910873 232 1,652 SH   SOLE   0 0 1,652
VANGUARD MEGA CAP GROWTH ETF ETF 921910816 4,230 20,427 SH   SOLE   0 0 20,427
VANGUARD MEGA CAP VALUE ETF ETF 921910840 2,180 22,903 SH   SOLE   0 0 22,903
VANGUARD MID-CAP GROWTH INDEX FUND ETF ETF 922908538 296 1,381 SH   SOLE   0 0 1,381
VANGUARD MID-CAP INDEX FUND ETF ETF 922908629 8,647 39,065 SH   SOLE   0 0 39,065
VANGUARD MID-CAP VALUE INDEX FUND ETF ETF 922908512 396 2,935 SH   SOLE   0 0 2,935
VANGUARD S&P 500 ETF ETF 922908363 146 400 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 422 1,537 SH   SOLE   0 0 1,537
VANGUARD SMALL-CAP INDEX FUND ETF ETF 922908751 9,593 44,812 SH   SOLE   0 0 44,812
VANGUARD SMALL-CAP VALUE INDEX FUND ETF ETF 922908611 502 3,028 SH   SOLE   0 0 3,028
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 23 112 SH   SOLE   0 0 112
VANGUARD VALUE FUND ETF ETF 922908744 2,086 15,867 SH   SOLE   0 0 15,867