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
3M CO COM 88579Y101 406 3,675 SH   SOLE   3,675 0 0
ABB LTD SPONSORED ADR 000375204 1,060 41,300 SH   SOLE   41,300 0 0
ALPHABET INC CAP STK CL C 02079K107 2,640 27,460 SH   SOLE   27,460 0 0
AMAZON COM INC COM 023135106 461 4,080 SH   SOLE   4,080 0 0
AMERICAN TOWER CORP NEW COM 03027X100 2,085 9,713 SH   SOLE   9,713 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 204 4,525 SH   SOLE   4,525 0 0
APPLE INC COM 037833100 10,350 74,893 SH   SOLE   74,893 0 0
AT&T INC COM 00206R102 172 11,182 SH   SOLE   11,182 0 0
AUTOLIV INC COM 052800109 275 4,130 SH   SOLE   4,130 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,002 7,498 SH   SOLE   7,498 0 0
BK OF AMERICA CORP COM 060505104 904 29,919 SH   SOLE   29,919 0 0
BOEING CO COM 097023105 340 2,806 SH   SOLE   2,806 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 647 9,100 SH   SOLE   9,100 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 485 13,500 SH   SOLE   13,500 0 0
CHEVRON CORP NEW COM 166764100 1,285 8,942 SH   SOLE   8,942 0 0
CHUBB LIMITED COM H1467J104 1,164 6,402 SH   SOLE   6,402 0 0
CIGNA CORP NEW COM 125523100 898 3,235 SH   SOLE   3,235 0 0
COCA COLA CO COM 191216100 341 6,096 SH   SOLE   6,096 0 0
COMCAST CORP NEW CL A 20030N101 858 29,239 SH   SOLE   29,239 0 0
CONOCOPHILLIPS COM 20825C104 978 9,560 SH   SOLE   9,560 0 0
CSX CORP COM 126408103 1,168 43,845 SH   SOLE   43,845 0 0
DTE ENERGY CO COM 233331107 205 1,783 SH   SOLE   1,783 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,407 15,125 SH   SOLE   15,125 0 0
EXXON MOBIL CORP COM 30231G102 1,054 12,074 SH   SOLE   12,074 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 829 9,900 SH   SOLE   9,900 0 0
FLEXSHARES TR STOX US ESG SLCT 33939L696 2,268 26,400 SH   SOLE   26,400 0 0
GENERAL ELECTRIC CO COM NEW 369604301 223 3,602 SH   SOLE   3,602 0 0
HOME DEPOT INC COM 437076102 209 757 SH   SOLE   757 0 0
INTEL CORP COM 458140100 1,067 41,421 SH   SOLE   41,421 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 527 4,437 SH   SOLE   4,437 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 285 8,119 SH   SOLE   8,119 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 249 1,708 SH   SOLE   1,708 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,864 6,974 SH   SOLE   6,974 0 0
ISHARES GOLD TR ISHARES NEW 464285204 226 7,156 SH   SOLE   7,156 0 0
ISHARES INC MSCI EMERG MRKT 464286533 378 7,457 SH   SOLE   7,457 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 14,883 154,850 SH   SOLE   154,850 0 0
ISHARES TR COHEN STEER REIT 464287564 310 5,780 SH   SOLE   5,780 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,666 4,644 SH   SOLE   4,644 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 5,779 102,963 SH   SOLE   102,963 0 0
ISHARES TR IBONDS DEC 46435U697 1,060 41,550 SH   SOLE   41,550 0 0
ISHARES TR IBONDS DEC 25 46435U432 995 38,400 SH   SOLE   38,400 0 0
ISHARES TR IBONDS DEC 26 46435U259 973 39,500 SH   SOLE   39,500 0 0
ISHARES TR IBONDS DEC 27 46435U283 691 28,350 SH   SOLE   28,350 0 0
ISHARES TR IBONDS DEC2022 46435G755 1,051 40,560 SH   SOLE   40,560 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,053 41,705 SH   SOLE   41,705 0 0
ISHARES TR MORNINGSTAR GRWT 464287119 205 4,250 SH   SOLE   4,250 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 786 13,780 SH   SOLE   13,780 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,099 31,506 SH   SOLE   31,506 0 0
ISHARES TR MSCI USA ESG SLC 464288802 11,714 154,317 SH   SOLE   154,317 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 2,017 30,520 SH   SOLE   30,520 0 0
ISHARES TR MSCI USA MMENTM 46432F396 2,810 21,419 SH   SOLE   21,419 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 962 7,458 SH   SOLE   7,458 0 0
ISHARES TR TIPS BD ETF 464287176 205 1,950 SH   SOLE   1,950 0 0
ISHARES TR U.S. TECH ETF 464287721 1,155 15,736 SH   SOLE   15,736 0 0
ISHARES TR US HLTHCARE ETF 464287762 253 1,000 SH   SOLE   1,000 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 231 4,500 SH   SOLE   4,500 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 27,716 552,546 SH   SOLE   552,546 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1,710 33,999 SH   SOLE   33,999 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 2,711 77,366 SH   SOLE   77,366 0 0
JOHNSON & JOHNSON COM 478160104 3,173 19,425 SH   SOLE   19,425 0 0
JPMORGAN CHASE & CO COM 46625H100 1,575 15,068 SH   SOLE   15,068 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 297 19,305 SH   SOLE   19,305 0 0
LILLY ELI & CO COM 532457108 485 1,500 SH   SOLE   1,500 0 0
MICROSOFT CORP COM 594918104 3,525 15,136 SH   SOLE   15,136 0 0
NORFOLK SOUTHN CORP COM 655844108 1,302 6,211 SH   SOLE   6,211 0 0
ORACLE CORP COM 68389X105 403 6,592 SH   SOLE   6,592 0 0
PEPSICO INC COM 713448108 907 5,555 SH   SOLE   5,555 0 0
PFIZER INC COM 717081103 1,465 33,468 SH   SOLE   33,468 0 0
PHILLIPS 66 COM 718546104 477 5,910 SH   SOLE   5,910 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 72 15,517 SH   SOLE   15,517 0 0
PROCTER AND GAMBLE CO COM 742718109 393 3,114 SH   SOLE   3,114 0 0
QUALCOMM INC COM 747525103 1,060 9,378 SH   SOLE   9,378 0 0
SCHLUMBERGER LTD COM STK 806857108 287 8,000 SH   SOLE   8,000 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 241 10,765 SH   SOLE   10,765 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 762 15,962 SH   SOLE   15,962 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 914 21,498 SH   SOLE   21,498 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 476 20,296 SH   SOLE   20,296 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 25,392 526,159 SH   SOLE   526,159 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 222 4,895 SH   SOLE   4,895 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 15,427 232,234 SH   SOLE   232,234 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 511 12,055 SH   SOLE   12,055 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 278 14,892 SH   SOLE   14,892 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 331 8,761 SH   SOLE   8,761 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 316 6,100 SH   SOLE   6,100 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,866 8,023 SH   SOLE   8,023 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 321 798 SH   SOLE   798 0 0
SPDR SER TR DJ REIT ETF 78464A607 257 3,050 SH   SOLE   3,050 0 0
STARBUCKS CORP COM 855244109 392 4,650 SH   SOLE   4,650 0 0
TESLA INC COM 88160R101 625 2,355 SH   SOLE   2,355 0 0
UNION PAC CORP COM 907818108 1,353 6,945 SH   SOLE   6,945 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,371 4,694 SH   SOLE   4,694 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 341 1,841 SH   SOLE   1,841 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,883 91,991 SH   SOLE   91,991 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 8,746 40,878 SH   SOLE   40,878 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 431 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,385 11,375 SH   SOLE   11,375 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 9,206 48,974 SH   SOLE   48,974 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,757 12,256 SH   SOLE   12,256 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 12,832 75,078 SH   SOLE   75,078 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,600 8,914 SH   SOLE   8,914 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 453 12,420 SH   SOLE   12,420 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 14,736 109,027 SH   SOLE   109,027 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,862 106,216 SH   SOLE   106,216 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 5,208 143,225 SH   SOLE   143,225 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 342 3,601 SH   SOLE   3,601 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 6,791 130,488 SH   SOLE   130,488 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 335 3,300 SH   SOLE   3,300 0 0
VISA INC COM CL A 92826C839 1,701 9,577 SH   SOLE   9,577 0 0
WP CAREY INC COM 92936U109 255 3,650 SH   SOLE   3,650 0 0