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
Abbott Laboratories COM 002824100 213 1,839 SH   SOLE NONE 0 0 1,839
Adobe Systems Inc COM 00724F101 229 391 SH   SOLE NONE 0 0 391
Alphabet Inc A CAP STK CL A 02079K305 644 264 SH   SOLE NONE 0 0 264
Alphabet Inc C CAP STK CL C 02079K107 982 392 SH   SOLE NONE 0 0 392
Altria Group Inc COM 02209S103 304 6,395 SH   SOLE NONE 0 0 6,395
Amazon.com Inc COM 023135106 1,575 458 SH   SOLE NONE 0 0 458
American Water Works Co Inc COM 030420103 220 1,429 SH   SOLE NONE 0 0 1,429
Apple Inc COM 037833100 4,402 32,144 SH   SOLE NONE 0 0 32,144
Applied Materials Inc COM 038222105 237 1,665 SH   SOLE NONE 0 0 1,665
ASML Holding NV N Y REGISTRY SHS N07059210 201 292 SH   SOLE NONE 0 0 292
ATT Inc COM 00206R102 250 8,693 SH   SOLE NONE 0 0 8,693
Berkshire Hathaway Inc B CL B NEW 084670702 658 2,369 SH   SOLE NONE 0 0 2,369
BlackRock Inc COM 09247X101 255 292 SH   SOLE NONE 0 0 292
Bristol-Myers Squibb Company COM 110122108 291 4,356 SH   SOLE NONE 0 0 4,356
Cisco Systems Inc COM 17275R102 240 4,543 SH   SOLE NONE 0 0 4,543
Coca-Cola Co COM 191216100 316 5,853 SH   SOLE NONE 0 0 5,853
Comcast Corp Class A CL A 20030N101 606 10,633 SH   SOLE NONE 0 0 10,633
Danaher Corp COM 235851102 315 1,176 SH   SOLE NONE 0 0 1,176
DIMENSIONAL U S EQUITY ETF US EQUITY ETF 25434V401 205 4,354 SH   SOLE NONE 0 0 4,354
Duke Energy Corp COM NEW 26441C204 255 2,583 SH   SOLE NONE 0 0 2,583
Facebook Inc A CL A 30303M102 1,029 2,962 SH   SOLE NONE 0 0 2,962
Gilead Sciences Inc COM 375558103 1,124 16,334 SH   SOLE NONE 0 0 16,334
Honeywell International Inc COM 438516106 461 2,105 SH   SOLE NONE 0 0 2,105
Intel Corp COM 458140100 207 3,687 SH   SOLE NONE 0 0 3,687
Ishares Core High Dividend Etf CORE HIGH DV ETF 46429B663 11,132 115,324 SH   SOLE NONE 0 0 115,324
iShares Core MSCI EAFE CORE MSCI EAFE 46432F842 2,898 38,718 SH   SOLE NONE 0 0 38,718
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 7,306 109,067 SH   SOLE NONE 0 0 109,067
iShares Core MSCI Total Intl Stk ETF CORE MSCI TOTAL 46432F834 1,727 23,570 SH   SOLE NONE 0 0 23,570
iShares Core SP 500 CORE S&P500 ETF 464287200 35,271 82,041 SH   SOLE NONE 0 0 82,041
iShares Core SP Mid-Cap CORE S&P MCP ETF 464287507 18,868 70,212 SH   SOLE NONE 0 0 70,212
iShares Core SP Small-Cap CORE S&P SCP ETF 464287804 15,937 141,063 SH   SOLE NONE 0 0 141,063
iShares Core SP Total US Stock Mkt ETF CORE S&P TTL STK 464287150 7,646 77,425 SH   SOLE NONE 0 0 77,425
iShares Core Total USD Bond Market ETF CORE TOTAL USD 46434V613 1,097 20,518 SH   SOLE NONE 0 0 20,518
iShares Core US Aggregate Bond CORE US AGGBD ET 464287226 11,283 97,839 SH   SOLE NONE 0 0 97,839
iShares Edge MSCI Min Vol Global MSCI GBL MIN VOL 464286525 18,833 183,096 SH   SOLE NONE 0 0 183,096
iShares Edge MSCI Min Vol USA MSCI USA MIN VOL 46429B697 40,567 551,117 SH   SOLE NONE 0 0 551,117
iShares Exponential Technologies EXPONENTIAL TECH 46434V381 1,111 17,578 SH   SOLE NONE 0 0 17,578
iShares Gold Trust ISHARES NEW 464285204 334 9,930 SH   SOLE NONE 0 0 9,930
iShares MSCI EAFE Min Vol Factor ETF MSCI EAFE MIN VL 46429B689 1,275 16,880 SH   SOLE NONE 0 0 16,880
iShares MSCI Emerg Mkts Min Vol Fctr ETF MSCI EMERG MRKT 464286533 3,535 55,102 SH   SOLE NONE 0 0 55,102
iShares MSCI USA ESG Select ETF MSCI USA ESG SLC 464288802 210 2,206 SH   SOLE NONE 0 0 2,206
iShares MSCI USA Multifactor ETF MSCI USA MULTIFT 46434V282 275 6,441 SH   SOLE NONE 0 0 6,441
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414 4,210 35,929 SH   SOLE NONE 0 0 35,929
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 38,444 141,610 SH   SOLE NONE 0 0 141,610
iShares Russell 1000 Value RUS 1000 VAL ETF 464287598 1,612 10,163 SH   SOLE NONE 0 0 10,163
iShares Russell 2000 RUSSELL 2000 ETF 464287655 340 1,485 SH   SOLE NONE 0 0 1,485
iShares SP Mid-Cap 400 Value ETF S&P MC 400VL ETF 464287705 268 2,549 SH   SOLE NONE 0 0 2,549
Johnson Johnson COM 478160104 814 4,942 SH   SOLE NONE 0 0 4,942
JPMorgan Chase Co COM 46625H100 589 3,787 SH   SOLE NONE 0 0 3,787
Mastercard Inc A CL A 57636Q104 226 620 SH   SOLE NONE 0 0 620
McDonald's Corp COM 580135101 585 2,533 SH   SOLE NONE 0 0 2,533
Merck Co Inc COM 58933Y105 359 4,616 SH   SOLE NONE 0 0 4,616
Microsoft Corp COM 594918104 3,484 12,862 SH   SOLE NONE 0 0 12,862
Netflix Inc COM 64110L106 203 384 SH   SOLE NONE 0 0 384
Nextera Energy Inc COM 65339F101 2,058 28,096 SH   SOLE NONE 0 0 28,096
Nike Inc B CL B 654106103 233 1,509 SH   SOLE NONE 0 0 1,509
PayPal Holdings Inc COM 70450Y103 233 802 SH   SOLE NONE 0 0 802
PepsiCo Inc COM 713448108 520 3,510 SH   SOLE NONE 0 0 3,510
Pfizer Inc COM 717081103 482 12,325 SH   SOLE NONE 0 0 12,325
Procter Gamble Co COM 742718109 423 3,135 SH   SOLE NONE 0 0 3,135
Raytheon Technologies Ord COM 75513E101 359 4,209 SH   SOLE NONE 0 0 4,209
SPDR SP 500 ETF TR UNIT 78462F103 1,103 2,578 SH   SOLE NONE 0 0 2,578
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803 1,394 9,445 SH   SOLE NONE 0 0 9,445
Tesla Motors Inc COM 88160R101 467 688 SH   SOLE NONE 0 0 688
Texas Instruments Inc COM 882508104 416 2,163 SH   SOLE NONE 0 0 2,163
The Home Depot Inc COM 437076102 327 1,027 SH   SOLE NONE 0 0 1,027
Trane Technologies PLC SHS G8994E103 447 2,428 SH   SOLE NONE 0 0 2,428
Union Pacific Corp COM 907818108 359 1,632 SH   SOLE NONE 0 0 1,632
UnitedHealth Group Inc COM 91324P102 287 718 SH   SOLE NONE 0 0 718
Vanguard 500 ETF S&P 500 ETF SHS 922908363 9,589 24,368 SH   SOLE NONE 0 0 24,368
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 17,257 111,493 SH   SOLE NONE 0 0 111,493
Vanguard ESG US Stock ETF ESG US STK ETF 921910733 304 3,806 SH   SOLE NONE 0 0 3,806
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 212 4,116 SH   SOLE NONE 0 0 4,116
Vanguard Growth ETF GROWTH ETF 922908736 13,177 45,946 SH   SOLE NONE 0 0 45,946
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 1,482 14,147 SH   SOLE NONE 0 0 14,147
Vanguard Mid-Cap ETF MID CAP ETF 922908629 2,354 9,918 SH   SOLE NONE 0 0 9,918
Vanguard Short-Term Infl-Prot Secs ETF STRM INFPROIDX 922020805 267 5,109 SH   SOLE NONE 0 0 5,109
Vanguard Small-Cap ETF SMALL CP ETF 922908751 2,752 12,216 SH   SOLE NONE 0 0 12,216
Vanguard Tax-Exempt Bond ETF TAX EXEMPT BD 922907746 4,004 72,406 SH   SOLE NONE 0 0 72,406
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 5,226 60,850 SH   SOLE NONE 0 0 60,850
Vanguard Total International Stock ETF VG TL INTL STK F 921909768 13,348 203,240 SH   SOLE NONE 0 0 203,240
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 32,632 146,452 SH   SOLE NONE 0 0 146,452
Vanguard Value ETF VALUE ETF 922908744 9,233 67,169 SH   SOLE NONE 0 0 67,169
Verizon Communications Inc COM 92343V104 423 7,560 SH   SOLE NONE 0 0 7,560
Visa Inc Class A COM CL A 92826C839 723 3,095 SH   SOLE NONE 0 0 3,095
Walt Disney Co COM 254687106 609 3,464 SH   SOLE NONE 0 0 3,464
XPO Logistics Inc COM 983793100 295 2,115 SH   SOLE NONE 0 0 2,115