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
AbbVie Inc COM 00287Y109 235 1,742 SH   SOLE NONE 0 0 1,742
Alphabet Inc A CAP STK CL A 02079K305 863 298 SH   SOLE NONE 0 0 298
Alphabet Inc C CAP STK CL C 02079K107 778 269 SH   SOLE NONE 0 0 269
Altria Group Inc COM 02209S103 258 5,453 SH   SOLE NONE 0 0 5,453
Amazon.com Inc COM 023135106 970 291 SH   SOLE NONE 0 0 291
American Water Works Co Inc COM 030420103 251 1,329 SH   SOLE NONE 0 0 1,329
Apple Inc COM 037833100 6,947 39,126 SH   SOLE NONE 0 0 39,126
Applied Materials Inc COM 038222105 260 1,652 SH   SOLE NONE 0 0 1,652
Berkshire Hathaway Inc B CL B NEW 084670702 671 2,244 SH   SOLE NONE 0 0 2,244
Bristol-Myers Squibb Company COM 110122108 255 4,103 SH   SOLE NONE 0 0 4,103
Cisco Systems Inc COM 17275R102 305 4,817 SH   SOLE NONE 0 0 4,817
Coca-Cola Co COM 191216100 270 4,565 SH   SOLE NONE 0 0 4,565
Comcast Corp Class A CL A 20030N101 298 5,927 SH   SOLE NONE 0 0 5,927
Costco Wholesale Corp COM 22160K105 208 367 SH   SOLE NONE 0 0 367
Danaher Corp COM 235851102 492 1,497 SH   SOLE NONE 0 0 1,497
Gilead Sciences Inc COM 375558103 1,098 15,130 SH   SOLE NONE 0 0 15,130
Honeywell International Inc COM 438516106 367 1,762 SH   SOLE NONE 0 0 1,762
Johnson Johnson COM 478160104 786 4,597 SH   SOLE NONE 0 0 4,597
JPMorgan Chase Co COM 46625H100 341 2,158 SH   SOLE NONE 0 0 2,158
McDonald's Corp COM 580135101 557 2,080 SH   SOLE NONE 0 0 2,080
Merck Co Inc COM 58933Y105 369 4,827 SH   SOLE NONE 0 0 4,827
Meta Platforms Inc Class A CL A 30303M102 549 1,633 SH   SOLE NONE 0 0 1,633
Microsoft Corp COM 594918104 3,772 11,216 SH   SOLE NONE 0 0 11,216
Nextera Energy Inc COM 65339F101 2,705 28,978 SH   SOLE NONE 0 0 28,978
PepsiCo Inc COM 713448108 454 2,617 SH   SOLE NONE 0 0 2,617
Pfizer Inc COM 717081103 744 12,601 SH   SOLE NONE 0 0 12,601
Procter Gamble Co COM 742718109 500 3,061 SH   SOLE NONE 0 0 3,061
Raytheon Technologies Ord COM 75513E101 280 3,264 SH   SOLE NONE 0 0 3,264
Tesla Motors Inc COM 88160R101 715 677 SH   SOLE NONE 0 0 677
The Home Depot Inc COM 437076102 574 1,383 SH   SOLE NONE 0 0 1,383
Trane Technologies PLC SHS G8994E103 407 2,015 SH   SOLE NONE 0 0 2,015
Verizon Communications Inc COM 92343V104 412 7,942 SH   SOLE NONE 0 0 7,942
Visa Inc Class A COM CL A 92826C839 439 2,027 SH   SOLE NONE 0 0 2,027
Walt Disney Co COM 254687106 571 3,691 SH   SOLE NONE 0 0 3,691
DIMENSIONAL U S EQUITY ETF US EQUITY ETF 25434V401 225 4,354 SH   SOLE NONE 0 0 4,354
Ishares Core High Dividend Etf CORE HIGH DV ETF 46429B663 5,120 50,706 SH   SOLE NONE 0 0 50,706
iShares Core MSCI EAFE CORE MSCI EAFE 46432F842 5,298 70,988 SH   SOLE NONE 0 0 70,988
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 10,950 182,930 SH   SOLE NONE 0 0 182,930
iShares Core MSCI Total Intl Stk ETF CORE MSCI TOTAL 46432F834 2,247 31,679 SH   SOLE NONE 0 0 31,679
iShares Core SP 500 CORE S&P500 ETF 464287200 38,831 81,409 SH   SOLE NONE 0 0 81,409
iShares Core SP Mid-Cap CORE S&P MCP ETF 464287507 20,753 73,313 SH   SOLE NONE 0 0 73,313
iShares Core SP Small-Cap CORE S&P SCP ETF 464287804 17,230 150,474 SH   SOLE NONE 0 0 150,474
iShares Core SP Total US Stock Mkt ETF CORE S&P TTL STK 464287150 8,371 78,248 SH   SOLE NONE 0 0 78,248
iShares Core Total USD Bond Market ETF CORE TOTAL USD 46434V613 975 18,433 SH   SOLE NONE 0 0 18,433
iShares Core US Aggregate Bond CORE US AGGBD ET 464287226 18,583 162,902 SH   SOLE NONE 0 0 162,902
iShares Edge MSCI Min Vol Global MSCI GBL MIN VOL 464286525 18,661 172,340 SH   SOLE NONE 0 0 172,340
iShares Edge MSCI Min Vol USA MSCI USA MIN VOL 46429B697 25,526 315,529 SH   SOLE NONE 0 0 315,529
iShares Exponential Technologies EXPONENTIAL TECH 46434V381 2,752 41,664 SH   SOLE NONE 0 0 41,664
iShares Gold Trust ISHARES NEW 464285204 345 9,930 SH   SOLE NONE 0 0 9,930
iShares MSCI EAFE Min Vol Factor ETF MSCI EAFE MIN VL 46429B689 352 4,594 SH   SOLE NONE 0 0 4,594
iShares MSCI Emerg Mkts Min Vol Fctr ETF MSCI EMERG MRKT 464286533 588 9,363 SH   SOLE NONE 0 0 9,363
iShares MSCI USA ESG Select ETF MSCI USA ESG SLC 464288802 234 2,206 SH   SOLE NONE 0 0 2,206
iShares MSCI USA Multifactor ETF MSCI USA MULTIFT 46434V282 624 13,414 SH   SOLE NONE 0 0 13,414
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414 5,042 43,363 SH   SOLE NONE 0 0 43,363
iShares PreferredIncome Securities ETF PFD AND INCM SEC 464288687 566 14,373 SH   SOLE NONE 0 0 14,373
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 42,454 138,923 SH   SOLE NONE 0 0 138,923
iShares Russell 1000 Value RUS 1000 VAL ETF 464287598 1,541 9,179 SH   SOLE NONE 0 0 9,179
iShares Russell 2000 RUSSELL 2000 ETF 464287655 330 1,485 SH   SOLE NONE 0 0 1,485
iShares SP Mid-Cap 400 Value ETF S&P MC 400VL ETF 464287705 278 2,520 SH   SOLE NONE 0 0 2,520
SP 500 ETF TR UNIT 78462F103 1,160 2,443 SH   SOLE NONE 0 0 2,443
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803 1,642 9,445 SH   SOLE NONE 0 0 9,445
Vanguard 500 ETF S&P 500 ETF SHS 922908363 11,815 27,064 SH   SOLE NONE 0 0 27,064
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 24,334 141,686 SH   SOLE NONE 0 0 141,686
Vanguard ESG US Stock ETF ESG US STK ETF 921910733 565 6,431 SH   SOLE NONE 0 0 6,431
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 232 4,557 SH   SOLE NONE 0 0 4,557
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 547 11,068 SH   SOLE NONE 0 0 11,068
Vanguard Growth ETF GROWTH ETF 922908736 15,601 48,618 SH   SOLE NONE 0 0 48,618
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 2,818 25,141 SH   SOLE NONE 0 0 25,141
Vanguard Mid-Cap ETF MID CAP ETF 922908629 2,810 11,031 SH   SOLE NONE 0 0 11,031
Vanguard REIT ETF REAL ESTATE ETF 922908553 261 2,254 SH   SOLE NONE 0 0 2,254
Vanguard Short-Term Infl-Prot Secs ETF STRM INFPROIDX 922020805 1,371 26,689 SH   SOLE NONE 0 0 26,689
Vanguard Short-Term Treasury ETF SHORT TERM TREAS 92206C102 512 8,428 SH   SOLE NONE 0 0 8,428
Vanguard Small-Cap ETF SMALL CP ETF 922908751 3,032 13,416 SH   SOLE NONE 0 0 13,416
Vanguard Tax-Exempt Bond ETF TAX EXEMPT BD 922907746 7,985 145,428 SH   SOLE NONE 0 0 145,428
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 8,471 99,960 SH   SOLE NONE 0 0 99,960
Vanguard Total International Stock ETF VG TL INTL STK F 921909768 15,005 236,041 SH   SOLE NONE 0 0 236,041
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 36,126 149,625 SH   SOLE NONE 0 0 149,625
Vanguard Value ETF VALUE ETF 922908744 31,950 217,185 SH   SOLE NONE 0 0 217,185