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
Alphabet Inc A CAP STK CL A 02079K305 772 289 SH   SOLE NONE 0 0 289
Alphabet Inc C CAP STK CL C 02079K107 717 269 SH   SOLE NONE 0 0 269
Altria Group Inc COM 02209S103 252 5,542 SH   SOLE NONE 0 0 5,542
Amazon.com Inc COM 023135106 919 280 SH   SOLE NONE 0 0 280
American Water Works Co Inc COM 030420103 224 1,329 SH   SOLE NONE 0 0 1,329
Apple Inc COM 037833100 5,375 37,989 SH   SOLE NONE 0 0 37,989
Applied Materials Inc COM 038222105 212 1,652 SH   SOLE NONE 0 0 1,652
Berkshire Hathaway Inc B CL B NEW 084670702 578 2,119 SH   SOLE NONE 0 0 2,119
Bristol-Myers Squibb Company COM 110122108 242 4,103 SH   SOLE NONE 0 0 4,103
Cisco Systems Inc COM 17275R102 238 4,374 SH   SOLE NONE 0 0 4,374
Coca-Cola Co COM 191216100 220 4,196 SH   SOLE NONE 0 0 4,196
Comcast Corp Class A CL A 20030N101 322 5,766 SH   SOLE NONE 0 0 5,766
Danaher Corp COM 235851102 374 1,229 SH   SOLE NONE 0 0 1,229
Dimensional US Equity ETF US EQUITY ETF 25434V401 205 4,354 SH   SOLE NONE 0 0 4,354
Gilead Sciences Inc COM 375558103 1,056 15,130 SH   SOLE NONE 0 0 15,130
Honeywell International Inc COM 438516106 374 1,762 SH   SOLE NONE 0 0 1,762
Ishares Core High Dividend Etf CORE HIGH DV ETF 46429B663 6,863 72,815 SH   SOLE NONE 0 0 72,815
iShares Core MSCI EAFE CORE MSCI EAFE 46432F842 4,158 56,000 SH   SOLE NONE 0 0 56,000
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 10,078 163,190 SH   SOLE NONE 0 0 163,190
iShares Core MSCI Total Intl Stk ETF CORE MSCI TOTAL 46432F834 2,044 28,789 SH   SOLE NONE 0 0 28,789
iShares Core SP 500 CORE S&P500 ETF 464287200 35,342 82,035 SH   SOLE NONE 0 0 82,035
iShares Core SP Mid-Cap CORE S&P MCP ETF 464287507 18,894 71,823 SH   SOLE NONE 0 0 71,823
iShares Core SP Small-Cap CORE S&P SCP ETF 464287804 15,993 146,474 SH   SOLE NONE 0 0 146,474
iShares Core SP Total US Stock Mkt ETF CORE S&P TTL STK 464287150 7,681 78,080 SH   SOLE NONE 0 0 78,080
iShares Core Total USD Bond Market ETF CORE TOTAL USD 46434V613 958 18,003 SH   SOLE NONE 0 0 18,003
iShares Core US Aggregate Bond CORE US AGGBD ET 464287226 15,972 139,100 SH   SOLE NONE 0 0 139,100
iShares Edge MSCI Min Vol Global MSCI GBL MIN VOL 464286525 18,050 175,709 SH   SOLE NONE 0 0 175,709
iShares Edge MSCI Min Vol USA MSCI USA MIN VOL 46429B697 29,478 401,065 SH   SOLE NONE 0 0 401,065
iShares Exponential Technologies EXPONENTIAL TECH 46434V381 1,614 25,734 SH   SOLE NONE 0 0 25,734
iShares Gold Trust ISHARES NEW 464285204 331 9,930 SH   SOLE NONE 0 0 9,930
iShares MSCI EAFE Min Vol Factor ETF MSCI EAFE MIN VL 46429B689 520 6,913 SH   SOLE NONE 0 0 6,913
iShares MSCI Emerg Mkts Min Vol Fctr ETF MSCI EMERG MRKT 464286533 1,270 20,275 SH   SOLE NONE 0 0 20,275
iShares MSCI USA ESG Select ETF MSCI USA ESG SLC 464288802 211 2,206 SH   SOLE NONE 0 0 2,206
iShares MSCI USA Multifactor ETF MSCI USA MULTIFT 46434V282 468 11,123 SH   SOLE NONE 0 0 11,123
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414 4,469 38,469 SH   SOLE NONE 0 0 38,469
iShares PreferredIncome Securities ETF PFD AND INCM SEC 464288687 546 14,093 SH   SOLE NONE 0 0 14,093
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 38,746 141,389 SH   SOLE NONE 0 0 141,389
iShares Russell 1000 Value RUS 1000 VAL ETF 464287598 1,483 9,479 SH   SOLE NONE 0 0 9,479
iShares Russell 2000 RUSSELL 2000 ETF 464287655 324 1,485 SH   SOLE NONE 0 0 1,485
iShares SP Mid-Cap 400 Value ETF S&P MC 400VL ETF 464287705 259 2,520 SH   SOLE NONE 0 0 2,520
Johnson Johnson COM 478160104 670 4,148 SH   SOLE NONE 0 0 4,148
JPMorgan Chase Co COM 46625H100 321 1,963 SH   SOLE NONE 0 0 1,963
McDonald's Corp COM 580135101 501 2,080 SH   SOLE NONE 0 0 2,080
Merck Co Inc COM 58933Y105 319 4,251 SH   SOLE NONE 0 0 4,251
Meta Platforms Inc Class A CL A 30303M102 531 1,565 SH   SOLE NONE 0 0 1,565
Microsoft Corp COM 594918104 3,048 10,814 SH   SOLE NONE 0 0 10,814
Nextera Energy Inc COM 65339F101 2,261 28,798 SH   SOLE NONE 0 0 28,798
PepsiCo Inc COM 713448108 381 2,537 SH   SOLE NONE 0 0 2,537
Pfizer Inc COM 717081103 503 11,706 SH   SOLE NONE 0 0 11,706
Procter Gamble Co COM 742718109 415 2,970 SH   SOLE NONE 0 0 2,970
Raytheon Technologies Ord COM 75513E101 280 3,264 SH   SOLE NONE 0 0 3,264
SPDR SP 500 ETF TR UNIT 78462F103 1,106 2,578 SH   SOLE NONE 0 0 2,578
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803 1,410 9,445 SH   SOLE NONE 0 0 9,445
Tesla Motors Inc COM 88160R101 459 593 SH   SOLE NONE 0 0 593
The Home Depot Inc COM 437076102 395 1,205 SH   SOLE NONE 0 0 1,205
Trane Technologies PLC SHS G8994E103 347 2,015 SH   SOLE NONE 0 0 2,015
Vanguard 500 ETF S&P 500 ETF SHS 922908363 10,253 25,998 SH   SOLE NONE 0 0 25,998
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 17,969 116,985 SH   SOLE NONE 0 0 116,985
Vanguard ESG US Stock ETF ESG US STK ETF 921910733 466 5,827 SH   SOLE NONE 0 0 5,827
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 230 4,557 SH   SOLE NONE 0 0 4,557
Vanguard Growth ETF GROWTH ETF 922908736 13,912 47,947 SH   SOLE NONE 0 0 47,947
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 2,456 23,769 SH   SOLE NONE 0 0 23,769
Vanguard Mid-Cap ETF MID CAP ETF 922908629 2,440 10,309 SH   SOLE NONE 0 0 10,309
Vanguard Short-Term Infl-Prot Secs ETF STRM INFPROIDX 922020805 474 9,028 SH   SOLE NONE 0 0 9,028
Vanguard Short-Term Treasury ETF SHORT TERM TREAS 92206C102 225 3,676 SH   SOLE NONE 0 0 3,676
Vanguard Small-Cap ETF SMALL CP ETF 922908751 2,747 12,566 SH   SOLE NONE 0 0 12,566
Vanguard Tax-Exempt Bond ETF TAX EXEMPT BD 922907746 6,074 110,912 SH   SOLE NONE 0 0 110,912
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 6,934 81,149 SH   SOLE NONE 0 0 81,149
Vanguard Total International Stock ETF VG TL INTL STK F 921909768 13,554 214,271 SH   SOLE NONE 0 0 214,271
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 32,901 148,163 SH   SOLE NONE 0 0 148,163
Vanguard Value ETF VALUE ETF 922908744 22,321 164,893 SH   SOLE NONE 0 0 164,893
Verizon Communications Inc COM 92343V104 397 7,358 SH   SOLE NONE 0 0 7,358
Visa Inc Class A COM CL A 92826C839 426 1,912 SH   SOLE NONE 0 0 1,912
Walt Disney Co COM 254687106 583 3,450 SH   SOLE NONE 0 0 3,450