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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305   216,418 1,808 SH   SOLE 0 0 0 1,808
ALPHABET INC CAP STK CL A 02079K305   31,721 265 SH   SOLE 0 0 0 265
ALPHABET INC CAP STK CL C 02079K107   997,398 8,245 SH   SOLE 0 0 0 8,245
ALPHABET INC CAP STK CL C 02079K107   9,436 78 SH   SOLE 0 0 0 78
ALPHABET INC CAP STK CL C 02079K107   559,486 4,625 SH   SOLE 0 0 0 4,625
AMERISOURCEBERGEN CORP COM 03073E105   618,183 3,213 SH   SOLE 0 0 0 3,213
AMERISOURCEBERGEN CORP COM 03073E105   5,388 28 SH   SOLE 0 0 0 28
AMERISOURCEBERGEN CORP COM 03073E105   86,786 451 SH   SOLE 0 0 0 451
ANALOG DEVICES INC COM 032654105   522,120 2,680 SH   SOLE 0 0 0 2,680
ANALOG DEVICES INC COM 032654105   5,455 28 SH   SOLE 0 0 0 28
ANALOG DEVICES INC COM 032654105   69,937 359 SH   SOLE 0 0 0 359
APPLE INC COM 037833100   670,748 3,458 SH   SOLE 0 0 0 3,458
BANK AMERICA CORP COM 060505104   257,410 8,972 SH   SOLE 0 0 0 8,972
BANK AMERICA CORP COM 060505104   2,439 85 SH   SOLE 0 0 0 85
BANK AMERICA CORP COM 060505104   31,559 1,100 SH   SOLE 0 0 0 1,100
BANK NEW YORK MELLON CORP COM 064058100   262,822 5,903 SH   SOLE 0 0 0 5,903
BANK NEW YORK MELLON CORP COM 064058100   2,449 55 SH   SOLE 0 0 0 55
BANK NEW YORK MELLON CORP COM 064058100   184,046 4,134 SH   SOLE 0 0 0 4,134
BECTON DICKINSON & CO COM 075887109   446,330 1,691 SH   SOLE 0 0 0 1,691
BECTON DICKINSON & CO COM 075887109   4,752 18 SH   SOLE 0 0 0 18
BECTON DICKINSON & CO COM 075887109   241,833 916 SH   SOLE 0 0 0 916
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,765,357 5,177 SH   SOLE 0 0 0 5,177
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   16,368 48 SH   SOLE 0 0 0 48
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   854,887 2,507 SH   SOLE 0 0 0 2,507
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   27,692 567 SH   SOLE 0 0 0 567
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   506,126 10,363 SH   SOLE 0 0 0 10,363
BOOKING HOLDINGS INC COM 09857L108   442,854 164 SH   SOLE 0 0 0 164
BOOKING HOLDINGS INC COM 09857L108   5,401 2 SH   SOLE 0 0 0 2
BOOKING HOLDINGS INC COM 09857L108   475,258 176 SH   SOLE 0 0 0 176
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   282,565 1,706 SH   SOLE 0 0 0 1,706
CARMAX INC COM 143130102   440,178 5,259 SH   SOLE 0 0 0 5,259
CARMAX INC COM 143130102   3,599 43 SH   SOLE 0 0 0 43
CARMAX INC COM 143130102   329,276 3,934 SH   SOLE 0 0 0 3,934
COMCAST CORP NEW CL A 20030N101   542,560 13,058 SH   SOLE 0 0 0 13,058
COMCAST CORP NEW CL A 20030N101   5,775 139 SH   SOLE 0 0 0 139
COMCAST CORP NEW CL A 20030N101   296,542 7,137 SH   SOLE 0 0 0 7,137
EBAY INC. COM 278642103   352,833 7,895 SH   SOLE 0 0 0 7,895
EBAY INC. COM 278642103   3,307 74 SH   SOLE 0 0 0 74
EBAY INC. COM 278642103   276,765 6,193 SH   SOLE 0 0 0 6,193
ENBRIDGE INC COM 29250N105   390,107 10,501 SH   SOLE 0 0 0 10,501
ENBRIDGE INC COM 29250N105   203,842 5,487 SH   SOLE 0 0 0 5,487
EXXON MOBIL CORP COM 30231G102   199,164 1,857 SH   SOLE 0 0 0 1,857
EXXON MOBIL CORP COM 30231G102   1,823 17 SH   SOLE 0 0 0 17
EXXON MOBIL CORP COM 30231G102   28,421 265 SH   SOLE 0 0 0 265
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   65,451 1,373 SH   SOLE 0 0 0 1,373
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   164,080 3,442 SH   SOLE 0 0 0 3,442
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   123,102 2,787 SH   SOLE 0 0 0 2,787
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   296,072 6,703 SH   SOLE 0 0 0 6,703
FISERV INC COM 337738108   128,421 1,018 SH   SOLE 0 0 0 1,018
FISERV INC COM 337738108   45,919 364 SH   SOLE 0 0 0 364
FISERV INC COM 337738108   215,969 1,712 SH   SOLE 0 0 0 1,712
GENERAL DYNAMICS CORP COM 369550108   365,245 1,698 SH   SOLE 0 0 0 1,698
GENERAL DYNAMICS CORP COM 369550108   4,088 19 SH   SOLE 0 0 0 19
GENERAL DYNAMICS CORP COM 369550108   53,572 249 SH   SOLE 0 0 0 249
HANESBRANDS INC COM 410345102   2,506 552 SH   SOLE 0 0 0 552
HANESBRANDS INC COM 410345102   72,290 15,923 SH   SOLE 0 0 0 15,923
INGREDION INC COM 457187102   16,210 153 SH   SOLE 0 0 0 153
INGREDION INC COM 457187102   343,066 3,238 SH   SOLE 0 0 0 3,238
INVESCO QQQ TR UNIT SER 1 46090E103   397,496 1,076 SH   SOLE 0 0 0 1,076
ISHARES INC CORE MSCI EMKT 46434G103   3,874,698 78,610 SH   SOLE 0 0 0 78,610
ISHARES INC CORE MSCI EMKT 46434G103   4,860,282 98,606 SH   SOLE 0 0 0 98,606
ISHARES INC ESG AWR MSCI EM 46434G863   12,178 385 SH   SOLE 0 0 0 385
ISHARES INC ESG AWR MSCI EM 46434G863   314,742 9,951 SH   SOLE 0 0 0 9,951
ISHARES TR ESG AW MSCI EAFE 46435G516   17,941 246 SH   SOLE 0 0 0 246
ISHARES TR ESG AW MSCI EAFE 46435G516   300,873 4,125 SH   SOLE 0 0 0 4,125
ISHARES TR MSCI USA QLT FCT 46432F339   8,229,912 61,021 SH   SOLE 0 0 0 61,021
ISHARES TR MSCI USA QLT FCT 46432F339   10,427,614 77,316 SH   SOLE 0 0 0 77,316
ISHARES TR CORE TOTAL USD 46434V613   12,145,163 267,103 SH   SOLE 0 0 0 267,103
ISHARES TR CORE TOTAL USD 46434V613   9,530,713 209,604 SH   SOLE 0 0 0 209,604
ISHARES TR 10-20 YR TRS ETF 464288653   1,287,208 11,621 SH   SOLE 0 0 0 11,621
ISHARES TR 10-20 YR TRS ETF 464288653   1,115,836 10,073 SH   SOLE 0 0 0 10,073
ISHARES TR MSCI KLD400 SOC 464288570   34,762 413 SH   SOLE 0 0 0 413
ISHARES TR MSCI KLD400 SOC 464288570   523,079 6,215 SH   SOLE 0 0 0 6,215
ISHARES TR MBS ETF 464288588   4,392,557 47,098 SH   SOLE 0 0 0 47,098
ISHARES TR MBS ETF 464288588   3,297,131 35,352 SH   SOLE 0 0 0 35,352
ISHARES TR MSCI USA MIN VOL 46429B697   2,125,411 28,594 SH   SOLE 0 0 0 28,594
ISHARES TR MSCI USA MIN VOL 46429B697   2,661,857 35,811 SH   SOLE 0 0 0 35,811
ISHARES TR US TREAS BD ETF 46429B267   4,193,289 183,113 SH   SOLE 0 0 0 183,113
ISHARES TR US TREAS BD ETF 46429B267   3,249,011 141,878 SH   SOLE 0 0 0 141,878
ISHARES TR FALN ANGLS USD 46435G474   438,977 17,303 SH   SOLE 0 0 0 17,303
ISHARES TR FALN ANGLS USD 46435G474   273,438 10,778 SH   SOLE 0 0 0 10,778
ISHARES TR ESG AWR MSCI USA 46435G425   3,576,319 36,695 SH   SOLE 0 0 0 36,695
ISHARES TR ESG AWR MSCI USA 46435G425   5,831,880 59,839 SH   SOLE 0 0 0 59,839
ISHARES TR ESG AWRE USD ETF 46435G193   33,451 1,471 SH   SOLE 0 0 0 1,471
ISHARES TR ESG AWRE USD ETF 46435G193   336,529 14,799 SH   SOLE 0 0 0 14,799
ISHARES TR ESG AWARE MSCI 46435U663   14,030 395 SH   SOLE 0 0 0 395
ISHARES TR ESG AWARE MSCI 46435U663   247,287 6,962 SH   SOLE 0 0 0 6,962
ISHARES TR US INFRASTRUC 46435U713   738,183 18,889 SH   SOLE 0 0 0 18,889
ISHARES TR US INFRASTRUC 46435U713   896,200 22,932 SH   SOLE 0 0 0 22,932
ISHARES TR ESG AWR US AGRGT 46435U549   36,887 782 SH   SOLE 0 0 0 782
ISHARES TR ESG AWR US AGRGT 46435U549   193,774 4,108 SH   SOLE 0 0 0 4,108
ISHARES TR ESG MSCI USA ETF 46436E767   31,420 874 SH   SOLE 0 0 0 874
ISHARES TR ESG MSCI USA ETF 46436E767   514,150 14,302 SH   SOLE 0 0 0 14,302
ISHARES TR ESG EAFE ETF 46436E759   16,811 276 SH   SOLE 0 0 0 276
ISHARES TR ESG EAFE ETF 46436E759   284,094 4,664 SH   SOLE 0 0 0 4,664
ISHARES TR JPMORGAN USD EMG 464288281   440,402 5,089 SH   SOLE 0 0 0 5,089
ISHARES TR JPMORGAN USD EMG 464288281   241,274 2,788 SH   SOLE 0 0 0 2,788
ISHARES TR EAFE VALUE ETF 464288877   4,259,254 87,030 SH   SOLE 0 0 0 87,030
ISHARES TR EAFE VALUE ETF 464288877   5,471,893 111,808 SH   SOLE 0 0 0 111,808
ISHARES TR EAFE VALUE ETF 464288877   8,760 179 SH   SOLE 0 0 0 179
ISHARES TR EAFE GRWTH ETF 464288885   6,609,750 69,277 SH   SOLE 0 0 0 69,277
ISHARES TR EAFE GRWTH ETF 464288885   8,420,872 88,260 SH   SOLE 0 0 0 88,260
ISHARES TR TIPS BD ETF 464287176   415,951 3,865 SH   SOLE 0 0 0 3,865
ISHARES TR TIPS BD ETF 464287176   805,966 7,489 SH   SOLE 0 0 0 7,489
ISHARES TR CORE S&P500 ETF 464287200   20,537,467 46,078 SH   SOLE 0 0 0 46,078
ISHARES TR CORE S&P500 ETF 464287200   25,181,782 56,498 SH   SOLE 0 0 0 56,498
ISHARES TR U.S. TECH ETF 464287721   3,617,259 33,225 SH   SOLE 0 0 0 33,225
ISHARES TR U.S. TECH ETF 464287721   4,593,060 42,188 SH   SOLE 0 0 0 42,188
JPMORGAN CHASE & CO COM 46625H100   843,043 5,797 SH   SOLE 0 0 0 5,797
JPMORGAN CHASE & CO COM 46625H100   4,945 34 SH   SOLE 0 0 0 34
JPMORGAN CHASE & CO COM 46625H100   308,187 2,119 SH   SOLE 0 0 0 2,119
LABORATORY CORP AMER HLDGS COM NEW 50540R409   99,687 413 SH   SOLE 0 0 0 413
LABORATORY CORP AMER HLDGS COM NEW 50540R409   38,613 160 SH   SOLE 0 0 0 160
LABORATORY CORP AMER HLDGS COM NEW 50540R409   157,588 653 SH   SOLE 0 0 0 653
LOCKHEED MARTIN CORP COM 539830109   301,737 655 SH   SOLE 0 0 0 655
LOCKHEED MARTIN CORP COM 539830109   2,762 6 SH   SOLE 0 0 0 6
LOCKHEED MARTIN CORP COM 539830109   180,929 393 SH   SOLE 0 0 0 393
MCKESSON CORP COM 58155Q103   417,094 976 SH   SOLE 0 0 0 976
MCKESSON CORP COM 58155Q103   47,859 112 SH   SOLE 0 0 0 112
MCKESSON CORP COM 58155Q103   234,593 549 SH   SOLE 0 0 0 549
META PLATFORMS INC CL A 30303M102   726,059 2,530 SH   SOLE 0 0 0 2,530
META PLATFORMS INC CL A 30303M102   6,888 24 SH   SOLE 0 0 0 24
META PLATFORMS INC CL A 30303M102   600,075 2,091 SH   SOLE 0 0 0 2,091
MICROSOFT CORP COM 594918104   633,823 1,861 SH   SOLE 0 0 0 1,861
MICROSOFT CORP COM 594918104   5,449 16 SH   SOLE 0 0 0 16
MICROSOFT CORP COM 594918104   108,973 320 SH   SOLE 0 0 0 320
NOVARTIS AG SPONSORED ADR 66987V109   529,229 5,245 SH   SOLE 0 0 0 5,245
NOVARTIS AG SPONSORED ADR 66987V109   5,550 55 SH   SOLE 0 0 0 55
NOVARTIS AG SPONSORED ADR 66987V109   76,187 755 SH   SOLE 0 0 0 755
OMNICOM GROUP INC COM 681919106   271,675 2,855 SH   SOLE 0 0 0 2,855
OMNICOM GROUP INC COM 681919106   24,358 256 SH   SOLE 0 0 0 256
OMNICOM GROUP INC COM 681919106   36,252 381 SH   SOLE 0 0 0 381
ORACLE CORP COM 68389X105   1,266,357 10,634 SH   SOLE 0 0 0 10,634
ORACLE CORP COM 68389X105   12,028 101 SH   SOLE 0 0 0 101
ORACLE CORP COM 68389X105   142,789 1,199 SH   SOLE 0 0 0 1,199
PHILIP MORRIS INTL INC COM 718172109   604,750 6,195 SH   SOLE 0 0 0 6,195
PHILIP MORRIS INTL INC COM 718172109   8,102 83 SH   SOLE 0 0 0 83
PHILIP MORRIS INTL INC COM 718172109   106,992 1,096 SH   SOLE 0 0 0 1,096
QUALCOMM INC COM 747525103   37,855 318 SH   SOLE 0 0 0 318
QUALCOMM INC COM 747525103   200,225 1,682 SH   SOLE 0 0 0 1,682
RAYTHEON TECHNOLOGIES CORP COM 75513E101   144,766 1,478 SH   SOLE 0 0 0 1,478
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,371 14 SH   SOLE 0 0 0 14
RAYTHEON TECHNOLOGIES CORP COM 75513E101   113,242 1,156 SH   SOLE 0 0 0 1,156
SANOFI SPONSORED ADR 80105N105   299,439 5,555 SH   SOLE 0 0 0 5,555
SANOFI SPONSORED ADR 80105N105   2,803 52 SH   SOLE 0 0 0 52
SANOFI SPONSORED ADR 80105N105   177,385 3,291 SH   SOLE 0 0 0 3,291
SCHWAB CHARLES CORP COM 808513105   415,040 7,323 SH   SOLE 0 0 0 7,323
SCHWAB CHARLES CORP COM 808513105   5,101 90 SH   SOLE 0 0 0 90
SCHWAB CHARLES CORP COM 808513105   90,065 1,589 SH   SOLE 0 0 0 1,589
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   326,161 1,876 SH   SOLE 0 0 0 1,876
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   41,379 238 SH   SOLE 0 0 0 238
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   196,573 1,481 SH   SOLE 0 0 0 1,481
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   33,183 250 SH   SOLE 0 0 0 250
SPDR S&P 500 ETF TR TR UNIT 78462F103   297,924 672 SH   SOLE 0 0 0 672
SPDR S&P 500 ETF TR TR UNIT 78462F103   123,675 279 SH   SOLE 0 0 0 279
THE CIGNA GROUP COM 125523100   246,928 880 SH   SOLE 0 0 0 880
UNILEVER PLC SPON ADR NEW 904767704   433,720 8,320 SH   SOLE 0 0 0 8,320
UNILEVER PLC SPON ADR NEW 904767704   4,587 88 SH   SOLE 0 0 0 88
UNILEVER PLC SPON ADR NEW 904767704   58,281 1,118 SH   SOLE 0 0 0 1,118
VANGUARD INDEX FDS TOTAL STK MKT 922908769   257,979 1,171 SH   SOLE 0 0 0 1,171
VANGUARD INDEX FDS TOTAL STK MKT 922908769   619,029 2,810 SH   SOLE 0 0 0 2,810
VANGUARD INDEX FDS TOTAL STK MKT 922908769   85,248 387 SH   SOLE 0 0 0 387
VANGUARD INDEX FDS SMALL CP ETF 922908751   481,115 2,419 SH   SOLE 0 0 0 2,419
VISA INC COM CL A 92826C839   489,264 2,060 SH   SOLE 0 0 0 2,060
VISA INC COM CL A 92826C839   4,512 19 SH   SOLE 0 0 0 19
VISA INC COM CL A 92826C839   76,231 321 SH   SOLE 0 0 0 321
WELLS FARGO CO NEW COM 949746101   352,820 8,267 SH   SOLE 0 0 0 8,267
WELLS FARGO CO NEW COM 949746101   3,372 79 SH   SOLE 0 0 0 79
WELLS FARGO CO NEW COM 949746101   329,404 7,718 SH   SOLE 0 0 0 7,718
WYNDHAM HOTELS & RESORTS INC COM 98311A105   7,474 109 SH   SOLE 0 0 0 109
WYNDHAM HOTELS & RESORTS INC COM 98311A105   207,767 3,030 SH   SOLE 0 0 0 3,030
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105   7,100 24 SH   SOLE 0 0 0 24
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105   203,531 688 SH   SOLE 0 0 0 688