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
ISHARES TR CORE S&P500 ETF 464287200 22,553 47,281 SH   SOLE   0 0 47,281
WASTE MGMT INC DEL COM 94106L109 349 2,089 SH   SOLE   0 0 2,089
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,733 8,668 SH   SOLE   0 0 8,668
VANGUARD INDEX FDS MID CAP ETF 922908629 387 1,520 SH   SOLE   0 0 1,520
VANGUARD WORLD FDS INF TECH ETF 92204A702 11,823 25,804 SH   SOLE   0 0 25,804
ISHARES TR MSCI USA ESG SLC 464288802 553 5,208 SH   SOLE   0 0 5,208
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 13,564 167,809 SH   SOLE   0 0 167,809
ISHARES TR NATIONAL MUN ETF 464288414 3,380 29,067 SH   SOLE   0 0 29,067
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 11,395 122,840 SH   SOLE   0 0 122,840
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,730 173,136 SH   SOLE   0 0 173,136
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 15,161 228,081 SH   SOLE   0 0 228,081
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 519 8,533 SH   SOLE   0 0 8,533
SCHWAB STRATEGIC TR US TIPS ETF 808524870 12,424 197,547 SH   SOLE   0 0 197,547
ISHARES TR MSCI EAFE MIN VL 46429B689 1,193 15,546 SH   SOLE   0 0 15,546
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 339 6,600 SH   SOLE   0 0 6,600
ISHARES TR MSCI USA MMENTM 46432F396 7,300 40,148 SH   SOLE   0 0 40,148
ISHARES TR MSCI USA QLT FCT 46432F339 14,898 102,350 SH   SOLE   0 0 102,350
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 1,447 21,074 SH   SOLE   0 0 21,074
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 1,154 24,903 SH   SOLE   0 0 24,903
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 9,169 103,865 SH   SOLE   0 0 103,865
ALPHABET INC CAP STK CL C 02079K107 304 105 SH   SOLE   0 0 105
ISHARES TR SELF DRIVNG EV 46435U366 3,212 59,225 SH   SOLE   0 0 59,225