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
APPLE INC COM 037833100   233,354 1,796 SH   SOLE   0 0 1,796
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   254,081 11,763 SH   SOLE   0 0 11,763
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396   1,533,080 27,743 SH   SOLE   0 0 27,743
HERSHEY CO COM 427866108   250,559 1,082 SH   SOLE   0 0 1,082
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   285,090 25,500 SH   SOLE   0 0 25,500
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   3,869,556 188,483 SH   SOLE   0 0 188,483
INVESCO QQQ TR UNIT SER 1 46090E103   266,029 999 SH   SOLE   0 0 999
ISHARES INC CORE MSCI EMKT 46434G103   670,118 14,349 SH   SOLE   0 0 14,349
ISHARES INC MSCI EMRG CHN 46434G764   479,684 10,105 SH   SOLE   0 0 10,105
ISHARES INC ESG AWR MSCI EM 46434G863   398,098 13,239 SH   SOLE   0 0 13,239
ISHARES TR TIPS BD ETF 464287176   1,770,949 16,638 SH   SOLE   0 0 16,638
ISHARES TR CORE S&P500 ETF 464287200   4,034,574 10,501 SH   SOLE   0 0 10,501
ISHARES TR CORE US AGGBD ET 464287226   481,264 4,962 SH   SOLE   0 0 4,962
ISHARES TR S&P 500 GRWT ETF 464287309   310,727 5,312 SH   SOLE   0 0 5,312
ISHARES TR MSCI EAFE ETF 464287465   392,199 5,975 SH   SOLE   0 0 5,975
ISHARES TR RUS MDCP VAL ETF 464287473   2,739,428 26,006 SH   SOLE   0 0 26,006
ISHARES TR RUS MD CP GR ETF 464287481   1,411,831 16,888 SH   SOLE   0 0 16,888
ISHARES TR CORE S&P MCP ETF 464287507   39,667,420 163,990 SH   SOLE   0 0 163,990
ISHARES TR RUS 1000 VAL ETF 464287598   4,106,095 27,076 SH   SOLE   0 0 27,076
ISHARES TR RUS 1000 GRW ETF 464287614   6,775,971 31,628 SH   SOLE   0 0 31,628
ISHARES TR RUS 1000 ETF 464287622   1,676,581 7,964 SH   SOLE   0 0 7,964
ISHARES TR RUS 2000 VAL ETF 464287630   426,133 3,073 SH   SOLE   0 0 3,073
ISHARES TR RUS 2000 GRW ETF 464287648   285,537 1,331 SH   SOLE   0 0 1,331
ISHARES TR RUSSELL 2000 ETF 464287655   317,335 1,820 SH   SOLE   0 0 1,820
ISHARES TR S&P MC 400VL ETF 464287705   297,716 2,954 SH   SOLE   0 0 2,954
ISHARES TR CORE S&P SCP ETF 464287804   26,506,098 280,073 SH   SOLE   0 0 280,073
ISHARES TR SP SMCP600VL ETF 464287879   303,514 3,324 SH   SOLE   0 0 3,324
ISHARES TR GL CLEAN ENE ETF 464288224   520,323 26,213 SH   SOLE   0 0 26,213
ISHARES TR MSCI ACWI EX US 464288240   3,780,640 83,091 SH   SOLE   0 0 83,091
ISHARES TR JPMORGAN USD EMG 464288281   1,780,074 21,044 SH   SOLE   0 0 21,044
ISHARES TR GLB INFRASTR ETF 464288372   13,941,987 304,145 SH   SOLE   0 0 304,145
ISHARES TR MRGSTR MD CP VAL 464288406   430,751 6,942 SH   SOLE   0 0 6,942
ISHARES TR MSCI KLD400 SOC 464288570   1,374,491 19,146 SH   SOLE   0 0 19,146
ISHARES TR ISHS 1-5YR INVS 464288646   6,367,743 127,815 SH   SOLE   0 0 127,815
ISHARES TR PFD AND INCM SEC 464288687   11,671,960 382,311 SH   SOLE   0 0 382,311
ISHARES TR MSCI USA ESG SLC 464288802   354,515 4,307 SH   SOLE   0 0 4,307
ISHARES TR EAFE VALUE ETF 464288877   1,608,369 35,056 SH   SOLE   0 0 35,056
ISHARES TR EAFE GRWTH ETF 464288885   480,196 5,733 SH   SOLE   0 0 5,733
ISHARES TR GRWT ALLOCAT ETF 464289867   1,871,830 39,691 SH   SOLE   0 0 39,691
ISHARES TR CORE HIGH DV ETF 46429B663   836,140 8,021 SH   SOLE   0 0 8,021
ISHARES TR MSCI USA MIN VOL 46429B697   404,625 5,612 SH   SOLE   0 0 5,612
ISHARES TR CORE MSCI TOTAL 46432F834   539,731 9,325 SH   SOLE   0 0 9,325
ISHARES TR YLD OPTIM BD 46434V787   572,643 26,415 SH   SOLE   0 0 26,415
ISHARES TR ESG AWR MSCI USA 46435G425   211,875 2,500 SH   SOLE   0 0 2,500
ISHARES TR ESG AW MSCI EAFE 46435G516   351,190 5,342 SH   SOLE   0 0 5,342
ISHARES TR ESG AWARE MSCI 46435U663   678,693 20,642 SH   SOLE   0 0 20,642
ISHARES TR ESG SCRD S&P MID 46436E551   208,240 6,348 SH   SOLE   0 0 6,348
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   763,533 15,109 SH   SOLE   0 0 15,109
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,718,576 34,282 SH   SOLE   0 0 34,282
JOHNSON & JOHNSON COM 478160104   441,272 2,498 SH   SOLE   0 0 2,498
MICROSOFT CORP COM 594918104   225,910 942 SH   SOLE   0 0 942
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   346,777 7,093 SH   SOLE   0 0 7,093
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   446,284 13,034 SH   SOLE   0 0 13,034
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   380,697 11,138 SH   SOLE   0 0 11,138
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   267,413 5,968 SH   SOLE   0 0 5,968
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   366,456,864 8,116,431 SH   SOLE   0 0 8,116,431
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,325,610 131,850 SH   SOLE   0 0 131,850
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   18,088,879 273,991 SH   SOLE   0 0 273,991
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   12,281,433 187,188 SH   SOLE   0 0 187,188
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,081,763 248,871 SH   SOLE   0 0 248,871
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   244,250 10,319 SH   SOLE   0 0 10,319
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,509,003 19,976 SH   SOLE   0 0 19,976
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   234,392 7,277 SH   SOLE   0 0 7,277
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   677,537 14,842 SH   SOLE   0 0 14,842
SCHWAB STRATEGIC TR US TIPS ETF 808524870   13,208,353 255,037 SH   SOLE   0 0 255,037
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   235,244 710 SH   SOLE   0 0 710
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   620,050 25,771 SH   SOLE   0 0 25,771
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855   1,464,353 27,935 SH   SOLE   0 0 27,935
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,494,702 3,908 SH   SOLE   0 0 3,908
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,415,864 19,599 SH   SOLE   0 0 19,599
SPDR SER TR S&P 600 SMCP VAL 78464A300   10,766,120 145,057 SH   SOLE   0 0 145,057
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,140,575 17,456 SH   SOLE   0 0 17,456
SPDR SER TR S&P 400 MDCP VAL 78464A839   5,103,431 78,854 SH   SOLE   0 0 78,854
SPDR SER TR NUVEEN BLMBRG MU 78468R721   5,422,636 118,865 SH   SOLE   0 0 118,865
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   400,411 9,790 SH   SOLE   0 0 9,790
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   483,721 6,733 SH   SOLE   0 0 6,733
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   18,574,230 52,867 SH   SOLE   0 0 52,867
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   13,720,442 101,453 SH   SOLE   0 0 101,453
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   5,599,753 31,151 SH   SOLE   0 0 31,151
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,727,346 45,191 SH   SOLE   0 0 45,191
VANGUARD INDEX FDS SML CP GRW ETF 922908595   10,712,646 53,419 SH   SOLE   0 0 53,419
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,386,756 40,219 SH   SOLE   0 0 40,219
VANGUARD INDEX FDS MID CAP ETF 922908629   5,091,322 24,981 SH   SOLE   0 0 24,981
VANGUARD INDEX FDS LARGE CAP ETF 922908637   19,988,035 114,742 SH   SOLE   0 0 114,742
VANGUARD INDEX FDS GROWTH ETF 922908736   36,761,461 172,500 SH   SOLE   0 0 172,500
VANGUARD INDEX FDS VALUE ETF 922908744   47,907,447 341,294 SH   SOLE   0 0 341,294
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,638,277 8,926 SH   SOLE   0 0 8,926
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,014,490 10,537 SH   SOLE   0 0 10,537
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   26,444,014 527,404 SH   SOLE   0 0 527,404
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   8,717,350 223,636 SH   SOLE   0 0 223,636
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   758,041 16,229 SH   SOLE   0 0 16,229
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   568,830 3,746 SH   SOLE   0 0 3,746
VANGUARD STAR FDS VG TL INTL STK F 921909768   466,091 9,012 SH   SOLE   0 0 9,012
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   475,644 7,800 SH   SOLE   0 0 7,800