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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613   20,801,528 460,109 SH   SOLE   460,109 0 0
ISHARES TR CORE S&P500 ETF 464287200   46,196,702 69,022 SH   SOLE   69,022 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   4,971,221 34,143 SH   SOLE   34,143 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   28,303,553 145,520 SH   SOLE   145,520 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   28,628,038 61,117 SH   SOLE   61,117 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   9,365,011 185,556 SH   SOLE   185,556 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   8,132,816 159,342 SH   SOLE   159,342 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   40,435,162 1,572,741 SH   SOLE   1,572,741 0 0
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409   4,366,323 41,779 SH   SOLE   41,779 0 0
J P MORGAN EXCHANGE TRADED F JPMORGAM LTD DUR 46654Q773   8,196,280 156,194 SH   SOLE   156,194 0 0
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   1,399,634 29,435 SH   SOLE   29,435 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,161,279 4,299 SH   SOLE   4,299 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   313,994 523 SH   SOLE   523 0 0
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   287,743 3,673 SH   SOLE   3,673 0 0
ISHARES TR ULTRA SHORT DUR 46434V878   2,065,982 40,709 SH   SOLE   40,709 0 0
ALPHABET INC CAP STK CL C 02079K107   345,075 1,417 SH   SOLE   1,417 0 0
BROADCOM INC COM 11135F101   2,253,553 6,831 SH   SOLE   6,831 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   333,193 544 SH   SOLE   544 0 0
APPLE INC COM 037833100   1,561,055 6,131 SH   SOLE   6,131 0 0
MICROSOFT CORP COM 594918104   1,358,913 2,624 SH   SOLE   2,624 0 0
NVIDIA CORPORATION COM 67066G104   698,950 3,746 SH   SOLE   3,746 0 0
ALPHABET INC CAP STK CL A 02079K305   338,152 1,391 SH   SOLE   1,391 0 0
AMAZON COM INC COM 023135106   378,978 1,726 SH   SOLE   1,726 0 0
ISHARES U S ETF TR SHORT DURATION B 46431W507   778,636 15,184 SH   SOLE   15,184 0 0
TESLA INC COM 88160R101   280,174 630 SH   SOLE   630 0 0
XCEL ENERGY INC COM 98389B100   263,726 3,270 SH   SOLE   3,270 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   524,104 787 SH   SOLE   787 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   343,799 2,496 SH   SOLE   2,496 0 0