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
ABBOTT LABS COM 002824100   201,314 1,796 SH   SOLE   0 0 1,796
AIRBNB INC COM CL A 009066101   327,557 2,005 SH   SOLE   0 0 2,005
AMAZON INC COM 023135106   1,076,229 5,947 SH   SOLE   0 0 5,947
APPLE INC COM 037833100   4,478,816 26,341 SH   SOLE   0 0 26,341
CHEVRON CORP NEW COM COM 166764100   317,756 1,997 SH   SOLE   0 0 1,997
GENERAL ELECTRIC CO COM NEW 369604301   223,149 1,273 SH   SOLE   0 0 1,273
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   11,162,445 107,839 SH   SOLE   0 0 107,839
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   511,415 5,128 SH   SOLE   0 0 5,128
INTERNATIONAL BUSINESS MACHS COM 459200101   350,444 1,846 SH   SOLE   0 0 1,846
ISHARES TR TIPS BD ETF 464287176   630,941 5,916 SH   SOLE   0 0 5,916
ISHARES TR CORE S&P 500 ETF 464287200   3,244,418 6,181 SH   SOLE   0 0 6,181
ISHARES TR CORE US AGGBD ET 464287226   31,370,759 323,610 SH   SOLE   0 0 323,610
ISHARES TR MSCI EAFE ETF 464287465   1,175,862 14,787 SH   SOLE   0 0 14,787
ISHARES TR CORE S&P MCP ETF 464287507   875,063 14,495 SH   SOLE   0 0 14,495
ISHARES TR RUS 2000 VAL ETF 464287630   4,588,463 29,213 SH   SOLE   0 0 29,213
ISHARES TR CORE S&P SCP ETF 464287804   431,991 3,949 SH   SOLE   0 0 3,949
ISHARES TR SHRT NAT MUN ETF 464288158   574,646 5,499 SH   SOLE   0 0 5,499
ISHARES TR ISHS 5-10YR INVT 464288638   896,409 17,556 SH   SOLE   0 0 17,556
ISHARES TR MSCI USA ESG SLC 464288802   289,002 2,657 SH   SOLE   0 0 2,657
ISHARES TR AGGRES ALLOC ETF 464289859   3,322,001 45,389 SH   SOLE   0 0 45,389
ISHARES TR GRWT ALLOCAT ETF COM 464289867   236,814 4,270 SH   SOLE   0 0 4,270
ISHARES TR MODERT ALLOC ETF 464289875   446,238 10,480 SH   SOLE   0 0 10,480
ISHARES TR CONSER ALLOC ETF 464289883   3,192,714 87,090 SH   SOLE   0 0 87,090
JOHNSON & JOHNSON COM 478160104   260,333 1,650 SH   SOLE   0 0 1,650
ELI LILLY & CO COM 532457108   1,596,394 2,099 SH   SOLE   0 0 2,099
MARSH & MCLENNAN COS INC 571748102   609,019 2,987 SH   SOLE   0 0 2,987
MICROSOFT CORP COM 594918104   1,320,369 3,110 SH   SOLE   0 0 3,110
SCHWAB STRATEGIC TR SCHWB FDT INTL LG 808524755   974,350 27,524 SH   SOLE   0 0 27,524
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   590,042 8,783 SH   SOLE   0 0 8,783
SCHWAB STRATEGIC TR US TIPS ETF 808524870   676,631 13,075 SH   SOLE   0 0 13,075
VANGUARD INDEX FDS VALUE ETF 921908844   278,414 1,534 SH   SOLE   0 0 1,534
VANGUARD BD INDEX FDS SHORT TRM BND 921937827   6,279,446 82,289 SH   SOLE   0 0 82,289
VANGUARD BD INDEX FDS TOTAL BD MRKT 921937835   807,830 11,232 SH   SOLE   0 0 11,232
VANGUARD TAX-MANATGED INTL FD FTSE DEV MKT ETF 921943858   5,174,703 103,556 SH   SOLE   0 0 103,556
VANGUARD WHITEHALL FDS EM MC GOV BD ETF 921946885   3,247,927 51,351 SH   SOLE   0 0 51,351
VANGUARD MALVERN FDS STRM INFOPRO IDX 922020805   7,878,658 164,929 SH   SOLE   0 0 164,929
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   21,671,847 370,586 SH   SOLE   0 0 370,586
VANGUARD INTL EQUITY INDEX FD FTSE EMR MKT ETF 922042858   810,323 19,321 SH   SOLE   0 0 19,321
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   224,013 4,450 SH   SOLE   0 0 4,450
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,393,752 39,912 SH   SOLE   0 0 39,912
VANGUARD INDEX FDS LARGE CAP ETF 922908637   336,330 1,404 SH   SOLE   0 0 1,404
VANGUARD INDEX FDS VALUE ETF 922908744   807,211 4,976 SH   SOLE   0 0 4,976
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,229,982 4,736 SH   SOLE   0 0 4,736
INVESCO QQQ TR UNIT SER 1 46090E103   644,097 1,448 SH   SOLE   0 0 1,448
ALPHABET INC CAP STK CL C 02079K107   464,649 2,969 SH   SOLE   0 0 2,969
ALPHABET INC CAP STK CL A 02079K305   843,378 5,424 SH   SOLE   0 0 5,424
COSTCO WHSL CORP NEW COM 22160K105   279,841 388 SH   SOLE   0 0 388
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   543,023 14,857 SH   SOLE   0 0 14,857
META PLATFORMS INC CL A 30303M102   515,202 1,049 SH   SOLE   0 0 1,049
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   786,298 33,617 SH   SOLE   0 0 33,617
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   275,622 1,637 SH   SOLE   0 0 1,637
ISHARES TR 0-5 YR TIPS ETF 46429B747   873,412 8,809 SH   SOLE   0 0 8,809
ISHARES TR MSCI USA VALUE 46432F388   492,758 4,568 SH   SOLE   0 0 4,568
ISHARES TR MSCI USA MMENTM 46432F396   737,822 3,934 SH   SOLE   0 0 3,934
NVIDIA CORPORATION COM 67066G104   576,529 638 SH   SOLE   0 0 638
PIMCO ETF TR 1-5 US TIP IDX 72201R205   5,250,049 102,420 SH   SOLE   0 0 102,420
SALESFORCE INC COM 79466L302   252,689 836 SH   SOLE   0 0 836
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   853,162 10,710 SH   SOLE   0 0 10,710