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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A Stock 02079K305   52,668 440 SH   SOLE   0 0 440
AMAZON COM INC COM Stock 023135106   36,501 280 SH   SOLE   0 0 280
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878   1,163,137 23,124 SH   SOLE   0 0 23,124
COLUMBIA U.S. ESG EQUITY INCOME ETF ETF 19761L300   49,992 1,321 SH   SOLE   0 0 1,321
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   276,790 3,410 SH   SOLE   0 0 3,410
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   11,946 90 SH   SOLE   0 0 90
INVESCO QQQ TRUST SERIES I ETF 46090E103   1,847 5 SH   SOLE   0 0 5
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407   89,325 2,155 SH   SOLE   0 0 2,155
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621   1,057,962 20,531 SH   SOLE   0 0 20,531
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   1,275,576 25,879 SH   SOLE   0 0 25,879
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834   15,780 252 SH   SOLE   0 0 252
ISHARES CORE S&P 500 ETF ETF 464287200   1,801,114 4,041 SH   SOLE   0 0 4,041
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   2,636,128 26,913 SH   SOLE   0 0 26,913
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ETF 46435G243   224,037 9,370 SH   SOLE   0 0 9,370
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ETF 46435U663   248,462 6,995 SH   SOLE   0 0 6,995
ISHARES ESG AWARE USD CORPORATE BOND ETF ETF 46435G193   178,168 7,835 SH   SOLE   0 0 7,835
ISHARES ESG SCREENED S&P MID-CAP ETF ETF 46436E551   34,374 965 SH   SOLE   0 0 965
ISHARES ESG SCREENED S&P SMALL-CAP ETF ETF 46436E544   16,880 482 SH   SOLE   0 0 482
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8   552,713 21,855 SH   SOLE   0 0 21,855
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4   488,584 19,845 SH   SOLE   0 0 19,845
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1   412,753 16,930 SH   SOLE   0 0 16,930
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   214,985 9,160 SH   SOLE   0 0 9,160
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9   135,010 5,750 SH   SOLE   0 0 5,750
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515   136,220 5,560 SH   SOLE   0 0 5,560
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205   89,800 4,000 SH   SOLE   0 0 4,000
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   4,601,051 129,243 SH   SOLE   0 0 129,243
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   14,263,624 191,896 SH   SOLE   0 0 191,896
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   9,029,142 66,947 SH   SOLE   0 0 66,947
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF ETF 464287556   15,616 123 SH   SOLE   0 0 123
ISHARES S&P MID-CAP FUND ETF ETF 464287507   738,158 2,823 SH   SOLE   0 0 2,823
ISHARES S&P SMALL-CAP FUND ETF ETF 464287804   593,814 5,959 SH   SOLE   0 0 5,959
ISHARES U.S. OIL & GAS EXPLORATION & PRODUCTION ETF ETF 464288851   50,958 600 SH   SOLE   0 0 600
MICROSOFT CORP COM Stock 594918104   57,892 170 SH   SOLE   0 0 170
ROBLOX CORP CL A Stock 771049103   6,045 150 SH   SOLE   0 0 150
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   3,309 64 SH   SOLE   0 0 64
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF ETF 78464A359   179,772 2,570 SH   SOLE   0 0 2,570
SPDR GOLD SHARES ETF ETF 78463V107   5,400,333 30,293 SH   SOLE   0 0 30,293
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   12,201,195 199,987 SH   SOLE   0 0 199,987
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   10,608,840 245,575 SH   SOLE   0 0 245,575
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   1,178,660 40,036 SH   SOLE   0 0 40,036
SPDR S&P 500 ESG ETF ETF 78468R531   109,261 2,538 SH   SOLE   0 0 2,538
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF ETF 921908844   860,879 5,300 SH   SOLE   0 0 5,300
VANGUARD ESG INTERNATIONAL STOCK ETF ETF 921910725   32,663 615 SH   SOLE   0 0 615
VANGUARD ESG U.S. STOCK ETF ETF 921910733   31,340 400 SH   SOLE   0 0 400
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   12,204 300 SH   SOLE   0 0 300
VANGUARD GROWTH INDEX FUND ETF ETF 922908736   5,946,907 21,017 SH   SOLE   0 0 21,017
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   5,364,278 50,573 SH   SOLE   0 0 50,573
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   767,935 9,717 SH   SOLE   0 0 9,717
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706   7,861,496 134,018 SH   SOLE   0 0 134,018
VANGUARD LARGE-CAP INDEX FUND ETF ETF 922908637   3,034,718 14,970 SH   SOLE   0 0 14,970
VANGUARD MEGA CAP ETF ETF 921910873   190,412 1,217 SH   SOLE   0 0 1,217
VANGUARD MEGA CAP GROWTH ETF ETF 921910816   4,601,918 19,556 SH   SOLE   0 0 19,556
VANGUARD MEGA CAP VALUE ETF ETF 921910840   2,423,834 23,360 SH   SOLE   0 0 23,360
VANGUARD MID-CAP GROWTH INDEX FUND ETF ETF 922908538   279,024 1,356 SH   SOLE   0 0 1,356
VANGUARD MID-CAP INDEX FUND ETF ETF 922908629   7,936,768 36,050 SH   SOLE   0 0 36,050
VANGUARD MID-CAP VALUE INDEX FUND ETF ETF 922908512   186,121 1,345 SH   SOLE   0 0 1,345
VANGUARD S&P 500 ETF ETF 922908363   162,912 400 SH   SOLE   0 0 400
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   137,518 2,900 SH   SOLE   0 0 2,900
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   11,438,449 198,137 SH   SOLE   0 0 198,137
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   324,426 1,412 SH   SOLE   0 0 1,412
VANGUARD SMALL-CAP INDEX FUND ETF ETF 922908751   5,851,991 29,423 SH   SOLE   0 0 29,423
VANGUARD SMALL-CAP VALUE INDEX FUND ETF ETF 922908611   291,534 1,763 SH   SOLE   0 0 1,763
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   2,312,923 31,819 SH   SOLE   0 0 31,819
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   24,671 112 SH   SOLE   0 0 112
VANGUARD VALUE FUND ETF ETF 922908744   2,114,498 14,880 SH   SOLE   0 0 14,880