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
CHUBB LIMITED COM H1467J104   486,062 2,290 SH   SOLE   0 0 2,290
AMAZON COM INC COM 023135106   1,334,254 10,591 SH   SOLE   0 0 10,591
APPLE INC COM 037833100   5,737,280 33,612 SH   SOLE   0 0 33,612
COMCAST CORP NEW CL A 20030N101   249,202 5,555 SH   SOLE   0 0 5,555
COSTCO WHSL CORP NEW COM 22160K105   265,745 467 SH   SOLE   0 0 467
EXXON MOBIL CORP COM 30231G102   422,312 3,535 SH   SOLE   0 0 3,535
FIRST TR LRGE CP CORE ALPHA COM SHS 33734K109   804,642 9,892 SH   SOLE   0 0 9,892
FORD MTR CO DEL COM 345370860   164,253 13,077 SH   SOLE   0 0 13,077
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   170,169 15,526 SH   SOLE   0 0 15,526
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   240,247 9,462 SH   SOLE   0 0 9,462
ISHARES GOLD TR ISHARES NEW 464285204   1,606,516 45,446 SH   SOLE   0 0 45,446
ISHARES INC JP MRG EM CRP BD 464286251   544,277 12,873 SH   SOLE   0 0 12,873
ISHARES INC MSCI AGRICULTURE 464286350   408,548 10,667 SH   SOLE   0 0 10,667
ISHARES INC MSCI EQUAL WEITE 464286681   506,623 6,721 SH   SOLE   0 0 6,721
ISHARES TR TIPS BD ETF 464287176   875,124 8,420 SH   SOLE   0 0 8,420
ISHARES TR CORE S&P500 ETF 464287200   381,260 886 SH   SOLE   0 0 886
ISHARES TR CORE US AGGBD ET 464287226   1,733,044 18,411 SH   SOLE   0 0 18,411
ISHARES TR IBOXX INV CP ETF 464287242   3,710,907 36,296 SH   SOLE   0 0 36,296
ISHARES TR MSCI EAFE ETF 464287465   394,453 5,707 SH   SOLE   0 0 5,707
ISHARES TR JPMORGAN USD EMG 464288281   1,320,160 15,981 SH   SOLE   0 0 15,981
ISHARES TR NEW YORK MUN ETF 464288323   1,229,569 24,123 SH   SOLE   0 0 24,123
ISHARES TR MBS ETF 464288588   260,703 2,928 SH   SOLE   0 0 2,928
ISHARES TR PFD AND INCM SEC 464288687   1,506,599 49,970 SH   SOLE   0 0 49,970
ISHARES TR MSCI USA QLT FCT 46432F339   2,095,493 15,873 SH   SOLE   0 0 15,873
ISHARES INC MSCI EMRG CHN 46434G764   1,539,804 30,839 SH   SOLE   0 0 30,839
ISHARES TR CORE TOTAL USD 46434V613   1,048,583 23,973 SH   SOLE   0 0 23,973
ISHARES TR ESG AWR MSCI USA 46435G425   534,665 5,681 SH   SOLE   0 0 5,681
ISHARES TR ESG AW MSCI EAFE 46435G516   425,307 6,127 SH   SOLE   0 0 6,127
JOHNSON & JOHNSON COM 478160104   219,375 1,398 SH   SOLE   0 0 1,398
LOEWS CORP COM 540424108   2,984,974 46,721 SH   SOLE   0 0 46,721
MICROSOFT CORP COM 594918104   2,393,389 7,631 SH   SOLE   0 0 7,631
PEPSICO INC COM 713448108   455,675 2,688 SH   SOLE   0 0 2,688
PFIZER INC COM 717081103   236,538 7,371 SH   SOLE   0 0 7,371
PIMCO ETF TR ACTIVE BD ETF 72201R775   200,676 2,281 SH   SOLE   0 0 2,281
SPDR SER TR BBG CONV SEC ETF 78464A359   685,975 10,104 SH   SOLE   0 0 10,104
SALESFORCE INC COM 79466L302   276,962 1,363 SH   SOLE   0 0 1,363
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,774,944 153,291 SH   SOLE   0 0 153,291
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   229,454 1,405 SH   SOLE   0 0 1,405
SERVICENOW INC COM 81762P102   207,016 374 SH   SOLE   0 0 374
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   3,082,268 40,705 SH   SOLE   0 0 40,705
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,675,726 17,141 SH   SOLE   0 0 17,141
VANGUARD WORLD FD ESG INTL STK ETF 921910725   2,903,904 57,480 SH   SOLE   0 0 57,480
VANGUARD WORLD FD ESG US STK ETF 921910733   5,353,277 71,078 SH   SOLE   0 0 71,078
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,957,624 56,691 SH   SOLE   0 0 56,691
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,334,745 98,831 SH   SOLE   0 0 98,831
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,641,684 34,701 SH   SOLE   0 0 34,701
VANGUARD WORLD FD INF TECH ETF 92204A702   241,029 583 SH   SOLE   0 0 583
VANGUARD WORLD FD MATERIALS ETF 92204A801   873,736 5,058 SH   SOLE   0 0 5,058
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   341,166 6,558 SH   SOLE   0 0 6,558
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,302,537 30,631 SH   SOLE   0 0 30,631
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   572,669 13,057 SH   SOLE   0 0 13,057
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   1,093,389 15,220 SH   SOLE   0 0 15,220
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,403,727 44,774 SH   SOLE   0 0 44,774
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   618,689 12,881 SH   SOLE   0 0 12,881
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   545,891 7,236 SH   SOLE   0 0 7,236
VANGUARD INDEX FDS MID CAP ETF 922908629   4,615,803 22,100 SH   SOLE   0 0 22,100
VANGUARD INDEX FDS LARGE CAP ETF 922908637   10,375,606 52,861 SH   SOLE   0 0 52,861
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,359,211 22,996 SH   SOLE   0 0 22,996
VANGUARD INDEX FDS TOTAL STK MKT 922908769   778,022 3,652 SH   SOLE   0 0 3,652
VERTEX PHARMACEUTICALS INC COM 92532F100   269,663 765 SH   SOLE   0 0 765