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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AIRBNB INC COM CL A 009066101   350,559 2,818 SH   SOLE   0 0 2,818
AMAZON INC COM 023135106   593,814 5,749 SH   SOLE   0 0 5,749
APPLE INC COM 037833100   4,560,202 27,654 SH   SOLE   0 0 27,654
CHEVRON CORP NEW COM COM 166764100   364,762 2,236 SH   SOLE   0 0 2,236
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   12,204,591 150,266 SH   SOLE   0 0 150,266
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,846,381 18,438 SH   SOLE   0 0 18,438
HOME DEPOT INC COM COM 437076102   248,752 843 SH   SOLE   0 0 843
ISHARES TR CORE S&P 500 ETF 464287200   1,828,984 4,449 SH   SOLE   0 0 4,449
ISHARES TR CORE US AGGBD ET 464287226   16,934,857 169,960 SH   SOLE   0 0 169,960
ISHARES TR MSCI EAFE ETF 464287465   924,825 12,931 SH   SOLE   0 0 12,931
ISHARES TR CORE S&P MCP ETF 464287507   1,115,714 4,460 SH   SOLE   0 0 4,460
ISHARES TR RUS 2000 VAL ETF 464287630   3,851,732 28,111 SH   SOLE   0 0 28,111
ISHARES TR CORE S&P SCP ETF 464287804   398,392 4,120 SH   SOLE   0 0 4,120
ISHARES TR SHRT NAT MUN ETF 464288158   1,099,349 10,502 SH   SOLE   0 0 10,502
ISHARES TR MSCI USA ESG SLC 464288802   202,485 2,307 SH   SOLE   0 0 2,307
ISHARES TR AGGRES ALLOC ETF 464289859   2,470,483 38,850 SH   SOLE   0 0 38,850
ISHARES TR MODERT ALLOC ETF 464289875   469,312 11,774 SH   SOLE   0 0 11,774
ISHARES TR CONSER ALLOC ETF 464289883   3,733,817 106,803 SH   SOLE   0 0 106,803
MARSH & MCLENNAN COS INC 571748102   553,779 3,325 SH   SOLE   0 0 3,325
MICROSOFT CORP COM 594918104   887,686 3,079 SH   SOLE   0 0 3,079
SCHWAB STRATEGIC TR SCHWB FDT INTL LG 808524755   403,477 12,903 SH   SOLE   0 0 12,903
STARBUCKS CORP COM 855244109   265,781 2,552 SH   SOLE   0 0 2,552
VANGUARD BD INDEX FDS SHORT TRM BND 921937827   5,159,965 67,459 SH   SOLE   0 0 67,459
VANGUARD BD INDEX FDS TOTAL BD MRKT 921937835   698,134 9,456 SH   SOLE   0 0 9,456
VANGUARD TAX-MANATGED INTL FD FTSE DEV MKT ETF 921943858   3,764,079 83,331 SH   SOLE   0 0 83,331
VANGUARD MALVERN FDS STRM INFOPRO IDX 922020805   11,155,784 233,287 SH   SOLE   0 0 233,287
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   10,618,595 198,590 SH   SOLE   0 0 198,590
VANGUARD INTL EQUITY INDEX FD FTSE EMR MKT ETF 922042858   4,257,566 105,385 SH   SOLE   0 0 105,385
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   273,564 5,400 SH   SOLE   0 0 5,400
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   342,600 911 SH   SOLE   0 0 911
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,561,032 18,799 SH   SOLE   0 0 18,799
VANGUARD INDEX FDS LARGE CAP ETF 922908637   234,905 1,257 SH   SOLE   0 0 1,257
VANGUARD VALUE ETF ETF 922908744   365,163 2,644 SH   SOLE   0 0 2,644
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,321,752 6,476 SH   SOLE   0 0 6,476
INVESCO QQQ TR UNIT SER 1 46090E103   682,618 2,127 SH   SOLE   0 0 2,127
ALPHABET INC CAP STK CL C 02079K107   318,864 3,066 SH   SOLE   0 0 3,066
ALPHABET INC CAP STK CL A 02079K305   543,545 5,240 SH   SOLE   0 0 5,240
META PLATFORMS INC CL A 30303M102   262,594 1,239 SH   SOLE   0 0 1,239
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   7,248,187 295,965 SH   SOLE   0 0 295,965
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   236,743 1,637 SH   SOLE   0 0 1,637
ISHARES TR 0-5 YR TIPS ETF 46429B747   880,765 8,876 SH   SOLE   0 0 8,876
ISUARES TR MSCI USA VALUE 46432F388   415,846 4,491 SH   SOLE   0 0 4,491
PIMCO ETF TR 1-5 US TIP IDX 72201R205   6,265,670 122,760 SH   SOLE   0 0 122,760
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   804,024 8,101 SH   SOLE   0 0 8,101
TESLA INC COM 88160R101   205,593 991 SH   SOLE   0 0 991