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   522,568 3,713 SH   SOLE   0 0 3,713
ABBVIE INC COM 00287Y109   386,161 2,852 SH   SOLE   0 0 2,852
ALTRIA GROUP INC COM 02209S103   226,619 4,782 SH   SOLE   0 0 4,782
AMAZON COM INC COM 023135106   860,260 258 SH   SOLE   0 0 258
AMCOR PLC ORD G0250X107   153,861 12,811 SH   SOLE   0 0 12,811
AMERICAN EXPRESS CO COM 025816109   261,831 1,600 SH   SOLE   0 0 1,600
APPLE INC COM 037833100   5,862,538 33,015 SH   SOLE   0 0 33,015
AT&T INC COM 00206R102   206,173 8,381 SH   SOLE   0 0 8,381
BK OF AMERICA CORP COM 060505104   265,662 5,971 SH   SOLE   0 0 5,971
BRISTOL-MYERS SQUIBB CO COM 110122108   294,264 4,720 SH   SOLE   0 0 4,720
CHEVRON CORP NEW COM 166764100   204,047 1,739 SH   SOLE   0 0 1,739
COCA COLA CO COM 191216100   208,785 3,526 SH   SOLE   0 0 3,526
CVS HEALTH CORP COM 126650100   366,536 3,553 SH   SOLE   0 0 3,553
DISNEY WALT CO COM 254687106   817,684 5,279 SH   SOLE   0 0 5,279
EXXON MOBIL CORP COM 30231G102   858,158 14,024 SH   SOLE   0 0 14,024
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889   2,357,086 40,012 SH   SOLE   0 0 40,012
HOME DEPOT INC COM 437076102   640,098 1,542 SH   SOLE   0 0 1,542
INTEL CORP COM 458140100   363,738 7,063 SH   SOLE   0 0 7,063
ISHARES INC EM MKT SM-CP ETF 464286475   9,066,705 150,560 SH   SOLE   0 0 150,560
ISHARES INC ESG AWR MSCI EM 46434G863   342,050 8,605 SH   SOLE   0 0 8,605
ISHARES TR CORE MSCI TOTAL 46432F834   24,770,920 349,181 SH   SOLE   0 0 349,181
ISHARES TR EXPONENTIAL TECH 46434V381   18,210,564 275,625 SH   SOLE   0 0 275,625
ISHARES TR GLOBAL REIT ETF 46434V647   6,447,933 210,648 SH   SOLE   0 0 210,648
ISHARES TR RUS 1000 ETF 464287622   4,318,340 16,331 SH   SOLE   0 0 16,331
ISHARES TR MSCI ACWI EX US 464288240   3,814,670 68,609 SH   SOLE   0 0 68,609
ISHARES TR RUS 1000 GRW ETF 464287614   3,435,565 11,242 SH   SOLE   0 0 11,242
ISHARES TR CORE S&P500 ETF 464287200   3,021,450 6,334 SH   SOLE   0 0 6,334
ISHARES TR EAFE SML CP ETF 464288273   2,996,611 40,999 SH   SOLE   0 0 40,999
ISHARES TR S&P 500 GRWT ETF 464287309   2,904,477 34,713 SH   SOLE   0 0 34,713
ISHARES TR CORE S&P SCP ETF 464287804   2,692,663 23,515 SH   SOLE   0 0 23,515
ISHARES TR AGGRES ALLOC ETF 464289859   1,166,887 16,024 SH   SOLE   0 0 16,024
ISHARES TR GRWT ALLOCAT ETF 464289867   503,128 8,814 SH   SOLE   0 0 8,814
ISHARES TR MSCI EAFE ETF 464287465   412,200 5,239 SH   SOLE   0 0 5,239
ISHARES TR ESG AWR US AGRGT 46435U549   329,285 5,965 SH   SOLE   0 0 5,965
ISHARES TR RUSSELL 3000 ETF 464287689   279,116 1,006 SH   SOLE   0 0 1,006
ISHARES TR MSCI USA ESG SLC 464288802   253,392 2,385 SH   SOLE   0 0 2,385
ISHARES TR RUSSELL 2000 ETF 464287655   241,263 1,085 SH   SOLE   0 0 1,085
JOHNSON & JOHNSON COM 478160104   932,938 5,454 SH   SOLE   0 0 5,454
JPMORGAN CHASE & CO COM 46625H100   446,116 2,817 SH   SOLE   0 0 2,817
LINDE PLC SHS G5494J103   243,194 702 SH   SOLE   0 0 702
LOWES COS INC COM 548661107   222,959 863 SH   SOLE   0 0 863
MCDONALDS CORP COM 580135101   551,921 2,059 SH   SOLE   0 0 2,059
MERCK & CO INC COM 58933Y105   296,007 3,862 SH   SOLE   0 0 3,862
META PLATFORMS INC CL A 30303M102   405,975 1,207 SH   SOLE   0 0 1,207
MICROSOFT CORP COM 594918104   1,124,274 3,343 SH   SOLE   0 0 3,343
MONDELEZ INTL INC CL A 609207105   374,254 5,644 SH   SOLE   0 0 5,644
NEXTERA ENERGY INC COM 65339F101   246,240 2,638 SH   SOLE   0 0 2,638
NORFOLK SOUTHN CORP COM 655844108   222,688 748 SH   SOLE   0 0 748
PEPSICO INC COM 713448108   318,585 1,834 SH   SOLE   0 0 1,834
PFIZER INC COM 717081103   628,307 10,640 SH   SOLE   0 0 10,640
PHILIP MORRIS INTL INC COM 718172109   407,455 4,289 SH   SOLE   0 0 4,289
PRICE T ROWE GROUP INC COM 74144T108   998,145 5,076 SH   SOLE   0 0 5,076
PROCTER AND GAMBLE CO COM 742718109   484,343 2,961 SH   SOLE   0 0 2,961
QUALCOMM INC COM 747525103   218,211 1,193 SH   SOLE   0 0 1,193
RAYTHEON TECHNOLOGIES CORP COM 75513E101   231,883 2,694 SH   SOLE   0 0 2,694
SALESFORCE COM INC COM 79466L302   228,717 900 SH   SOLE   0 0 900
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,775,646 70,049 SH   SOLE   0 0 70,049
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   18,852,852 349,386 SH   SOLE   0 0 349,386
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   13,039,372 345,231 SH   SOLE   0 0 345,231
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   548,506 18,714 SH   SOLE   0 0 18,714
SPDR S&P 500 ETF TR TR UNIT 78462F103   379,491 799 SH   SOLE   0 0 799
SPDR SER TR S&P KENSHO NEW 78468R648   14,907,702 252,887 SH   SOLE   0 0 252,887
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,932,517 20,820 SH   SOLE   0 0 20,820
SPDR SER TR PORTFOLIO S&P600 78468R853   876,267 19,608 SH   SOLE   0 0 19,608
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   7,977,614 295,467 SH   SOLE   0 0 295,467
TESLA INC COM 88160R101   1,249,114 1,182 SH   SOLE   0 0 1,182
UNITED PARCEL SERVICE INC CL B 911312106   625,230 2,917 SH   SOLE   0 0 2,917
UNITEDHEALTH GROUP INC COM 91324P102   220,692 440 SH   SOLE   0 0 440
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   43,367,002 536,521 SH   SOLE   0 0 536,521
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   9,406,255 110,988 SH   SOLE   0 0 110,988
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   5,062,528 91,779 SH   SOLE   0 0 91,779
VANGUARD INDEX FDS GROWTH ETF 922908736   66,155,279 206,155 SH   SOLE   0 0 206,155
VANGUARD INDEX FDS SML CP GRW ETF 922908595   11,015,536 39,091 SH   SOLE   0 0 39,091
VANGUARD INDEX FDS VALUE ETF 922908744   7,110,373 48,334 SH   SOLE   0 0 48,334
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,508,993 14,028 SH   SOLE   0 0 14,028
VANGUARD INDEX FDS SMALL CP ETF 922908751   240,549 1,064 SH   SOLE   0 0 1,064
VANGUARD INDEX FDS TOTAL STK MKT 922908769   222,881 923 SH   SOLE   0 0 923
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   305,196 2,841 SH   SOLE   0 0 2,841
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   278,760 5,636 SH   SOLE   0 0 5,636
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   209,682 3,447 SH   SOLE   0 0 3,447
VANGUARD STAR FDS VG TL INTL STK F 921909768   7,790,527 122,550 SH   SOLE   0 0 122,550
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   1,880,895 36,837 SH   SOLE   0 0 36,837
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885   16,145,572 207,901 SH   SOLE   0 0 207,901
VANGUARD WORLD FD ESG INTL STK ETF 921910725   752,414 12,132 SH   SOLE   0 0 12,132
VANGUARD WORLD FD ESG US STK ETF 921910733   722,356 8,219 SH   SOLE   0 0 8,219
VANGUARD WORLD FD ESG US CORP BD 921910691   240,060 3,267 SH   SOLE   0 0 3,267
VERIZON COMMUNICATIONS INC COM 92343V104   468,026 9,007 SH   SOLE   0 0 9,007
VISA INC COM CL A 92826C839   225,416 1,040 SH   SOLE   0 0 1,040
WALMART INC COM 931142103   522,280 3,610 SH   SOLE   0 0 3,610
WASTE MGMT INC DEL COM 94106L109   201,019 1,204 SH   SOLE   0 0 1,204