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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AVIS BUDGET GROUP COM COM 053774105 3 27 SH   SOLE NONE 27 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 3,081 11,290 SH   SOLE NONE 11,290 0 0
BOSTON SCIENTIFIC CORP COM COM 101137107 3 73 SH   SOLE NONE 73 0 0
CARNIVAL CORP PAIRED CTF UNIT 99/99/9999 143658300 2 100 SH   SOLE NONE 100 0 0
FORD MTR CO DEL COM COM 345370860 1 100 SH   SOLE NONE 100 0 0
GOODYEAR TIRE RUBR CO COM COM 382550101 16 919 SH   SOLE NONE 919 0 0
IDACORP INC COM COM 451107106 0 1 SH   SOLE NONE 1 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 9,767 27,286 SH   SOLE NONE 27,286 0 0
INVESCO ULTRA SHORT DURATION ETF ULTRA SHRT DUR 46090A887 66 1,322 SH   SOLE NONE 1,322 0 0
ISHARES 0 5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 1 15 SH   SOLE NONE 15 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 5,480 73,807 SH   SOLE NONE 73,807 0 0
ISHARES CORE S P 500 ETF CORE S&P500 ETF 464287200 10,034 23,291 SH   SOLE NONE 23,291 0 0
ISHARES CORE S P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150 10,856 110,356 SH   SOLE NONE 110,356 0 0
ISHARES ESG AWARE MSCI USA ETF ESG AWR MSCI USA 46435G425 11 112 SH   SOLE NONE 112 0 0
ISHARES EXPANDED TECH SOFTWARE SECTOR ETF EXPANDED TECH 464287515 60 152 SH   SOLE NONE 152 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 1,499 17,136 SH   SOLE NONE 17,136 0 0
ISHARES MODERATE ALLOCATION FUND MODERT ALLOC ETF 464289875 3,321 74,239 SH   SOLE NONE 74,239 0 0
ISHARES MSCI USA ESG SELECT ETF MSCI USA ESG SLC 464288802 11 116 SH   SOLE NONE 116 0 0
ISHARES MSCI USA QUALITY FACTOR ETF MSCI USA QLT FCT 46432F339 313 2,380 SH   SOLE NONE 2,380 0 0
ISHARES RUSSELL MID CAP ETF RUS MID CAP ETF 464287499 7,274 92,996 SH   SOLE NONE 92,996 0 0
ISHARES RUSSELL TOP 200 ETF RUS TOP 200 ETF 464289446 0 8 SH   SOLE NONE 8 0 0
ISHARES S P 100 ETF S&P 100 ETF 464287101 5,005 25,351 SH   SOLE NONE 25,351 0 0
LUMENTUM HLDGS INC COM COM 55024U109 0 3 SH   SOLE NONE 3 0 0
MICROSOFT CORP COM COM 594918104 196 696 SH   SOLE NONE 696 0 0
ORACLE CORP COM COM 68389X105 88 1,019 SH   SOLE NONE 1,019 0 0
PEPSICO INC COM COM 713448108 16 111 SH   SOLE NONE 111 0 0
PIMCO 0 5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE TRADED FUND 0-5 HIGH YIELD 72201R783 162 1,638 SH   SOLE NONE 1,638 0 0
PIMCO ACTIVE BOND EXCHANGE TRADED FUND ACTIVE BD ETF 72201R775 6,984 63,183 SH   SOLE NONE 63,183 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE TRADED FUND ENHAN SHRT MA AC 72201R833 2,827 27,742 SH   SOLE NONE 27,742 0 0
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF BLOOMBERG SRT TR 78468R408 1,499 54,738 SH   SOLE NONE 54,738 0 0
SPDR PORTFOLIO S P 500 ETF PORTFOLIO S&P500 78464A854 7,138 141,462 SH   SOLE NONE 141,462 0 0
SPDR RUSSELL 1000 YIELD FOCUS ETF RUSSELL YIELD 78468R770 147 1,587 SH   SOLE NONE 1,587 0 0
SPDR S P 500 ETF TR UNIT 78462F103 9,779 22,788 SH   SOLE NONE 22,788 0 0
SPDR SSGA ULTRA SHORT TERM BOND ETF ULT SHT TRM BD 78467V707 925 22,869 SH   SOLE NONE 22,869 0 0
TARGET CORP COM COM 87612E106 114 500 SH   SOLE NONE 500 0 0
TRAVEL PLUS LEISURE CO COM COM 894164102 2 55 SH   SOLE NONE 55 0 0
VANECK MORNINGSTAR WIDE MOAT ETF MRNGSTR WDE MOAT 92189F643 13,255 180,968 SH   SOLE NONE 180,968 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND DIV APP ETF 921908844 6,625 43,134 SH   SOLE NONE 43,134 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF FTSE DEV MKT ETF 921943858 62 1,241 SH   SOLE NONE 1,241 0 0
VANGUARD MID CAP INDEX FUND MID CAP ETF 922908629 3,330 14,065 SH   SOLE NONE 14,065 0 0
VANGUARD RUSSELL 1000 VALUE ETF VNG RUS1000VAL 92206C714 3,522 51,263 SH   SOLE NONE 51,263 0 0
VANGUARD S P 500 ETF S&P 500 ETF SHS 922908363 27,214 69,002 SH   SOLE NONE 69,002 0 0
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 162 1,204 SH   SOLE NONE 1,204 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 95 1,769 SH   SOLE NONE 1,769 0 0
VIAVI SOLUTIONS INC COM COM 925550105 0 17 SH   SOLE NONE 17 0 0
WISDOMTREE FLOATING RATE TREASURY FUND FLOATNG RAT TREA 97717X628 2,280 90,850 SH   SOLE NONE 90,850 0 0
WYNDHAM HOTELS RESORTS INC COM COM 98311A105 4 55 SH   SOLE NONE 55 0 0
XCEL ENERGY INC COM COM 98389B100 4 74 SH   SOLE NONE 74 0 0
XTRACKERS MSCI USA ESG LEADERS EQUITY ETF XTRCKR MSCI US 233051150 11 278 SH   SOLE NONE 278 0 0