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
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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
APPLE INC COM 037833100   829,502 4,043 SH   SOLE   0 0 4,043
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   713,206 20,989 SH   SOLE   0 0 20,989
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   235,598 485 SH   SOLE   0 0 485
ECOLAB INC COM 278865100   1,314,328 4,878 SH   SOLE   0 0 4,878
ISHARES INC ESG AWR MSCI EM 46434G863   348,182 8,889 SH   SOLE   0 0 8,889
ISHARES TR ESG AW MSCI EAFE 46435G516   335,378 3,759 SH   SOLE   0 0 3,759
ISHARES TR ESG AWRE USD ETF 46435G193   1,950,391 83,960 SH   SOLE   0 0 83,960
ISHARES TR ESG ADVNCD HY BD 46435G441   861,603 18,139 SH   SOLE   0 0 18,139
ISHARES TR BROAD USD HIGH 46435U853   4,052,243 108,031 SH   SOLE   0 0 108,031
ISHARES TR ESG AWARE MSCI 46435U663   1,378,232 33,347 SH   SOLE   0 0 33,347
ISHARES TR CRE U S REIT ETF 464288521   4,035,669 71,352 SH   SOLE   0 0 71,352
ISHARES TR CORE 80/20 AGGRE 464289859   553,530 6,637 SH   SOLE   0 0 6,637
ISHARES TR INTL TREA BD ETF 464288117   3,393,220 78,729 SH   SOLE   0 0 78,729
ISHARES TR 0-5 YR TIPS ETF 46429B747   397,438 3,862 SH   SOLE   0 0 3,862
ISHARES TR US TREAS BD ETF 46429B267   12,857,930 559,527 SH   SOLE   0 0 559,527
ISHARES TR CORE MSCI EAFE 46432F842   13,917,702 166,719 SH   SOLE   0 0 166,719
ISHARES TR MSCI EMG MKT ETF 464287234   311,823 6,464 SH   SOLE   0 0 6,464
ISHARES TR ESG SELECT SCRE 46436E551   793,397 19,118 SH   SOLE   0 0 19,118
ISHARES TR ESG SELECT SCRE 46436E569   322,281 6,758 SH   SOLE   0 0 6,758
ISHARES TR IBOXX HI YD ETF 464288513   5,879,708 72,904 SH   SOLE   0 0 72,904
ISHARES TR ESG MSCI KLD 400 464288570   3,004,595 25,866 SH   SOLE   0 0 25,866
ISHARES TR RUS 2000 GRW ETF 464287648   216,182 756 SH   SOLE   0 0 756
ISHARES TR RUS MID CAP ETF 464287499   323,918 3,522 SH   SOLE   0 0 3,522
ISHARES TR 1 3 YR TREAS BD 464287457   3,448,965 41,624 SH   SOLE   0 0 41,624
ISHARES TR IBOXX INV CP ETF 464287242   9,929,022 90,585 SH   SOLE   0 0 90,585
ISHARES TR CORE S&P MCP ETF 464287507   6,818,045 109,933 SH   SOLE   0 0 109,933
ISHARES TR CORE S&P SCP ETF 464287804   9,546,809 87,353 SH   SOLE   0 0 87,353
ISHARES TR CORE S&P500 ETF 464287200   3,036,822 4,891 SH   SOLE   0 0 4,891
ISHARES TR RUS 1000 ETF 464287622   5,368,262 15,809 SH   SOLE   0 0 15,809
ISHARES TR RUS 1000 VAL ETF 464287598   3,021,248 15,555 SH   SOLE   0 0 15,555
ISHARES TR RUS 1000 GRW ETF 464287614   5,283,474 12,444 SH   SOLE   0 0 12,444
ISHARES TR CORE S&P US GWT 464287671   1,601,008 10,645 SH   SOLE   0 0 10,645
JOHNSON & JOHNSON COM 478160104   243,636 1,595 SH   SOLE   0 0 1,595
META PLATFORMS INC CL A 30303M102   710,781 963 SH   SOLE   0 0 963
NEXTERA ENERGY INC COM 65339F101   335,160 4,828 SH   SOLE   0 0 4,828
SCHWAB STRATEGIC TR US TIPS ETF 808524870   439,313 16,466 SH   SOLE   0 0 16,466
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,780,976 41,670 SH   SOLE   0 0 41,670
SPDR S&P 500 ETF TR TR UNIT 78462F103   418,284 677 SH   SOLE   0 0 677
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201   763,516 8,603 SH   SOLE   0 0 8,603
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508   3,730,743 71,279 SH   SOLE   0 0 71,279
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   603,030 8,190 SH   SOLE   0 0 8,190
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   8,511,512 171,915 SH   SOLE   0 0 171,915
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,690,070 12,934 SH   SOLE   0 0 12,934
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   887,097 5,394 SH   SOLE   0 0 5,394
VANGUARD INDEX FDS VALUE ETF 922908744   16,716,678 94,583 SH   SOLE   0 0 94,583
VANGUARD INDEX FDS MID CAP ETF 922908629   2,411,015 8,616 SH   SOLE   0 0 8,616
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,073,530 5,505 SH   SOLE   0 0 5,505
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   274,928 3,087 SH   SOLE   0 0 3,087
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,527,629 10,666 SH   SOLE   0 0 10,666
VANGUARD INDEX FDS GROWTH ETF 922908736   17,846,387 40,708 SH   SOLE   0 0 40,708
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,005,405 40,546 SH   SOLE   0 0 40,546
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   473,632 7,046 SH   SOLE   0 0 7,046
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   324,040 6,446 SH   SOLE   0 0 6,446
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   2,630,816 9,367 SH   SOLE   0 0 9,367
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,134,444 25,741 SH   SOLE   0 0 25,741
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,441,953 43,295 SH   SOLE   0 0 43,295
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   700,973 11,720 SH   SOLE   0 0 11,720
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,385,678 94,469 SH   SOLE   0 0 94,469
VANGUARD WORLD FD ESG US STK ETF 921910733   3,080,445 28,096 SH   SOLE   0 0 28,096
VANGUARD WORLD FD ESG INTL STK ETF 921910725   1,551,826 23,692 SH   SOLE   0 0 23,692