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
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   271,255 11,763 SH   SOLE   0 0 11,763
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396   1,730,876 29,501 SH   SOLE   0 0 29,501
HERSHEY CO COM 427866108   245,506 965 SH   SOLE   0 0 965
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   2,378,863 81,440 SH   SOLE   0 0 81,440
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   2,139,364 102,854 SH   SOLE   0 0 102,854
INVESCO QQQ TR UNIT SER 1 46090E103   281,474 877 SH   SOLE   0 0 877
ISHARES INC CORE MSCI EMKT 46434G103   609,555 12,493 SH   SOLE   0 0 12,493
ISHARES INC ESG AWR MSCI EM 46434G863   430,586 13,678 SH   SOLE   0 0 13,678
ISHARES INC MSCI EMRG CHN 46434G764   419,552 8,505 SH   SOLE   0 0 8,505
ISHARES TR CORE HIGH DV ETF 46429B663   815,446 8,021 SH   SOLE   0 0 8,021
ISHARES TR CORE MSCI TOTAL 46432F834   538,036 8,685 SH   SOLE   0 0 8,685
ISHARES TR CORE S&P MCP ETF 464287507   49,413,208 197,526 SH   SOLE   0 0 197,526
ISHARES TR CORE S&P SCP ETF 464287804   35,795,460 370,170 SH   SOLE   0 0 370,170
ISHARES TR CORE S&P500 ETF 464287200   4,371,272 10,634 SH   SOLE   0 0 10,634
ISHARES TR CORE US AGGBD ET 464287226   645,369 6,477 SH   SOLE   0 0 6,477
ISHARES TR CRE U S REIT ETF 464288521   263,088 5,220 SH   SOLE   0 0 5,220
ISHARES TR EAFE GRWTH ETF 464288885   520,768 5,559 SH   SOLE   0 0 5,559
ISHARES TR EAFE VALUE ETF 464288877   1,376,020 28,354 SH   SOLE   0 0 28,354
ISHARES TR ESG AW MSCI EAFE 46435G516   323,217 4,499 SH   SOLE   0 0 4,499
ISHARES TR ESG AWARE MSCI 46435U663   1,124,998 33,098 SH   SOLE   0 0 33,098
ISHARES TR ESG AWR MSCI USA 46435G425   235,713 2,606 SH   SOLE   0 0 2,606
ISHARES TR ESG SCRD S&P MID 46436E551   365,520 10,754 SH   SOLE   0 0 10,754
ISHARES TR GL CLEAN ENE ETF 464288224   591,655 29,912 SH   SOLE   0 0 29,912
ISHARES TR GLB INFRASTR ETF 464288372   8,070,296 169,189 SH   SOLE   0 0 169,189
ISHARES TR GRWT ALLOCAT ETF 464289867   1,639,224 32,765 SH   SOLE   0 0 32,765
ISHARES TR ISHS 1-5YR INVS 464288646   5,044,752 99,817 SH   SOLE   0 0 99,817
ISHARES TR JPMORGAN USD EMG 464288281   1,700,169 19,705 SH   SOLE   0 0 19,705
ISHARES TR MRGSTR MD CP VAL 464288406   471,835 7,625 SH   SOLE   0 0 7,625
ISHARES TR MSCI ACWI EX US 464288240   3,845,759 78,855 SH   SOLE   0 0 78,855
ISHARES TR MSCI EAFE ETF 464287465   428,191 5,987 SH   SOLE   0 0 5,987
ISHARES TR MSCI KLD400 SOC 464288570   1,285,982 16,489 SH   SOLE   0 0 16,489
ISHARES TR MSCI USA ESG SLC 464288802   379,166 4,320 SH   SOLE   0 0 4,320
ISHARES TR MSCI USA MIN VOL 46429B697   413,527 5,685 SH   SOLE   0 0 5,685
ISHARES TR RUS 1000 ETF 464287622   1,789,453 7,945 SH   SOLE   0 0 7,945
ISHARES TR RUS 1000 GRW ETF 464287614   7,687,342 31,463 SH   SOLE   0 0 31,463
ISHARES TR RUS 1000 VAL ETF 464287598   4,174,944 27,420 SH   SOLE   0 0 27,420
ISHARES TR RUS 2000 GRW ETF 464287648   352,945 1,556 SH   SOLE   0 0 1,556
ISHARES TR RUS 2000 VAL ETF 464287630   439,287 3,206 SH   SOLE   0 0 3,206
ISHARES TR RUS MD CP GR ETF 464287481   1,652,278 18,147 SH   SOLE   0 0 18,147
ISHARES TR RUS MDCP VAL ETF 464287473   2,762,218 26,010 SH   SOLE   0 0 26,010
ISHARES TR RUSSELL 2000 ETF 464287655   324,688 1,820 SH   SOLE   0 0 1,820
ISHARES TR S&P 500 GRWT ETF 464287309   339,357 5,312 SH   SOLE   0 0 5,312
ISHARES TR S&P MC 400GR ETF 464287606   207,594 2,903 SH   SOLE   0 0 2,903
ISHARES TR S&P MC 400VL ETF 464287705   329,947 3,211 SH   SOLE   0 0 3,211
ISHARES TR SP SMCP600VL ETF 464287879   371,459 3,969 SH   SOLE   0 0 3,969
ISHARES TR TIPS BD ETF 464287176   2,536,302 23,005 SH   SOLE   0 0 23,005
ISHARES TR U.S. FIXED INCME 46435U796   604,377 7,103 SH   SOLE   0 0 7,103
ISHARES TR YLD OPTIM BD 46434V787   494,027 22,415 SH   SOLE   0 0 22,415
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   2,283,015 45,370 SH   SOLE   0 0 45,370
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   663,826 13,070 SH   SOLE   0 0 13,070
JOHNSON & JOHNSON COM 478160104   285,200 1,840 SH   SOLE   0 0 1,840
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   477,860 8,573 SH   SOLE   0 0 8,573
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   634,725 18,630 SH   SOLE   0 0 18,630
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   394,397 11,138 SH   SOLE   0 0 11,138
PIMCO ETF TR ACTIVE BD ETF 72201R775   241,720 2,606 SH   SOLE   0 0 2,606
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   224,407 9,152 SH   SOLE   0 0 9,152
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   254,597 7,316 SH   SOLE   0 0 7,316
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   612,223 13,051 SH   SOLE   0 0 13,051
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   260,738 5,449 SH   SOLE   0 0 5,449
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,427,450 19,511 SH   SOLE   0 0 19,511
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   8,790,723 134,889 SH   SOLE   0 0 134,889
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   18,391,209 280,439 SH   SOLE   0 0 280,439
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   398,804,334 8,244,869 SH   SOLE   0 0 8,244,869
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   14,418,117 212,500 SH   SOLE   0 0 212,500
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   12,087,527 288,279 SH   SOLE   0 0 288,279
SCHWAB STRATEGIC TR US TIPS ETF 808524870   13,685,011 255,270 SH   SOLE   0 0 255,270
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   236,161 710 SH   SOLE   0 0 710
SPDR GOLD TR GOLD SHS 78463V107   295,718 1,614 SH   SOLE   0 0 1,614
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   663,088 25,771 SH   SOLE   0 0 25,771
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855   483,149 8,870 SH   SOLE   0 0 8,870
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,610,122 3,933 SH   SOLE   0 0 3,933
SPDR SER TR NUVEEN BLMBRG MU 78468R721   4,817,105 102,886 SH   SOLE   0 0 102,886
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,383,036 20,208 SH   SOLE   0 0 20,208
SPDR SER TR S&P 400 MDCP VAL 78464A839   5,351,621 80,987 SH   SOLE   0 0 80,987
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,578,325 21,401 SH   SOLE   0 0 21,401
SPDR SER TR S&P 600 SMCP VAL 78464A300   11,416,911 149,868 SH   SOLE   0 0 149,868
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   617,093 8,358 SH   SOLE   0 0 8,358
VANGUARD INDEX FDS GROWTH ETF 922908736   43,693,141 175,165 SH   SOLE   0 0 175,165
VANGUARD INDEX FDS LARGE CAP ETF 922908637   20,207,609 108,172 SH   SOLE   0 0 108,172
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   6,864,396 35,222 SH   SOLE   0 0 35,222
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   14,399,576 107,403 SH   SOLE   0 0 107,403
VANGUARD INDEX FDS MID CAP ETF 922908629   5,978,258 28,344 SH   SOLE   0 0 28,344
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,881,211 58,781 SH   SOLE   0 0 58,781
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   22,389,480 59,535 SH   SOLE   0 0 59,535
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,845,122 43,116 SH   SOLE   0 0 43,116
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,932,912 10,197 SH   SOLE   0 0 10,197
VANGUARD INDEX FDS SML CP GRW ETF 922908595   13,218,298 61,080 SH   SOLE   0 0 61,080
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,140,341 10,487 SH   SOLE   0 0 10,487
VANGUARD INDEX FDS VALUE ETF 922908744   47,657,711 345,071 SH   SOLE   0 0 345,071
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   27,951,145 522,744 SH   SOLE   0 0 522,744
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,813,574 193,405 SH   SOLE   0 0 193,405
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   545,946 11,417 SH   SOLE   0 0 11,417
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   518,398 3,366 SH   SOLE   0 0 3,366
VANGUARD STAR FDS VG TL INTL STK F 921909768   469,947 8,512 SH   SOLE   0 0 8,512
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   311,550 5,000 SH   SOLE   0 0 5,000