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 3 17 SH   SOLE   0 0 17
ALPHABET INC CAP STK CL A Stock 02079K305 59 22 SH   SOLE   0 0 22
AMAZON COM INC COM Stock 023135106 374 114 SH   SOLE   0 0 114
APPLE INC COM Stock 037833100 35 250 SH   SOLE   0 0 250
ARK INNOVATION ETF ETF 00214Q104 38 342 SH   SOLE   0 0 342
INVESCO QQQ TRUST ETF 46090E103 37 104 SH   SOLE   0 0 104
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 8,983 178,799 SH   SOLE   0 0 178,799
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 517 8,371 SH   SOLE   0 0 8,371
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 1,222 17,205 SH   SOLE   0 0 17,205
ISHARES CORE S&P 500 ETF ETF 464287200 2,217 5,146 SH   SOLE   0 0 5,146
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 2,730 23,776 SH   SOLE   0 0 23,776
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ETF 46435G243 84 3,242 SH   SOLE   0 0 3,242
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ETF 46435U663 40 1,033 SH   SOLE   0 0 1,033
ISHARES ESG AWARE U.S. AGGREGATE BOND ETF ETF 46435U549 84 1,518 SH   SOLE   0 0 1,518
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF ETF 46434VBK5 835 33,757 SH   SOLE   0 0 33,757
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 970 38,317 SH   SOLE   0 0 38,317
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 1,031 39,644 SH   SOLE   0 0 39,644
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 974 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 158 5,960 SH   SOLE   0 0 5,960
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 101 3,750 SH   SOLE   0 0 3,750
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 101 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 1,848 13,889 SH   SOLE   0 0 13,889
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456 2,322 61,294 SH   SOLE   0 0 61,294
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570 28 336 SH   SOLE   0 0 336
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 10,992 149,547 SH   SOLE   0 0 149,547
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 13,500 102,483 SH   SOLE   0 0 102,483
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF ETF 464287556 20 123 SH   SOLE   0 0 123
ISHARES PREFERRED AND INCOME SECURITIES ETF ETF 464288687 112 2,880 SH   SOLE   0 0 2,880
ISHARES S&P MID-CAP FUND ETF ETF 464287507 391 1,486 SH   SOLE   0 0 1,486
ISHARES S&P SMALL-CAP FUND ETF ETF 464287804 384 3,518 SH   SOLE   0 0 3,518
MICROSOFT CORP COM Stock 594918104 48 170 SH   SOLE   0 0 170
ROBLOX CORP CL A Stock 771049103 11 150 SH   SOLE   0 0 150
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 47 452 SH   SOLE   0 0 452
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF ETF 78464A359 219 2,570 SH   SOLE   0 0 2,570
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 990 32,284 SH   SOLE   0 0 32,284
SPDR GOLD SHARES ETF ETF 78463V107 7,001 42,630 SH   SOLE   0 0 42,630
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 5,927 92,577 SH   SOLE   0 0 92,577
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 7,238 185,579 SH   SOLE   0 0 185,579
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,298 41,522 SH   SOLE   0 0 41,522
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF ETF 921908844 799 5,200 SH   SOLE   0 0 5,200
VANGUARD ESG INTERNATIONAL STOCK ETF ETF 921910725 28 461 SH   SOLE   0 0 461
VANGUARD ESG U.S. STOCK ETF ETF 921910733 45 568 SH   SOLE   0 0 568
VANGUARD GROWTH INDEX FUND ETF ETF 922908736 7,420 25,571 SH   SOLE   0 0 25,571
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 2,769 26,792 SH   SOLE   0 0 26,792
VANGUARD LARGE-CAP INDEX FUND ETF ETF 922908637 3,172 15,785 SH   SOLE   0 0 15,785
VANGUARD MEGA CAP ETF ETF 921910873 252 1,652 SH   SOLE   0 0 1,652
VANGUARD MEGA CAP GROWTH ETF ETF 921910816 4,767 20,301 SH   SOLE   0 0 20,301
VANGUARD MEGA CAP VALUE ETF ETF 921910840 2,719 27,790 SH   SOLE   0 0 27,790
VANGUARD MID-CAP GROWTH INDEX FUND ETF ETF 922908538 326 1,381 SH   SOLE   0 0 1,381
VANGUARD MID-CAP INDEX FUND ETF ETF 922908629 9,344 39,467 SH   SOLE   0 0 39,467
VANGUARD MID-CAP VALUE INDEX FUND ETF ETF 922908512 187 1,339 SH   SOLE   0 0 1,339
VANGUARD S&P 500 ETF ETF 922908363 158 400 SH   SOLE   0 0 400
VANGUARD S&P 500 GROWTH ETF ETF 921932505 8 31 SH   SOLE   0 0 31
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 431 1,537 SH   SOLE   0 0 1,537
VANGUARD SMALL-CAP INDEX FUND ETF ETF 922908751 9,952 45,513 SH   SOLE   0 0 45,513
VANGUARD SMALL-CAP VALUE INDEX FUND ETF ETF 922908611 296 1,751 SH   SOLE   0 0 1,751
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 25 112 SH   SOLE   0 0 112
VANGUARD VALUE FUND ETF ETF 922908744 1,963 14,499 SH   SOLE   0 0 14,499