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
3M CO COM 88579Y101   440,706 3,675 SH   SOLE   3,675 0 0
ABB LTD SPONSORED ADR 000375204   1,197,078 39,300 SH   SOLE   39,300 0 0
ABBOTT LABS COM 002824100   2,094,793 19,080 SH   SOLE   19,080 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   204,399 766 SH   SOLE   766 0 0
ALPHABET INC CAP STK CL C 02079K107   2,390,209 26,938 SH   SOLE   26,938 0 0
AMAZON COM INC COM 023135106   334,320 3,980 SH   SOLE   3,980 0 0
AMERICAN TOWER CORP NEW COM 03027X100   355,077 1,676 SH   SOLE   1,676 0 0
ANALOG DEVICES INC COM 032654105   902,493 5,502 SH   SOLE   5,502 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   271,681 4,525 SH   SOLE   4,525 0 0
APPLE INC COM 037833100   9,439,660 72,652 SH   SOLE   72,652 0 0
AT&T INC COM 00206R102   194,410 10,560 SH   SOLE   10,560 0 0
AUTOLIV INC COM 052800109   316,275 4,130 SH   SOLE   4,130 0 0
BANK AMERICA CORP COM 060505104   1,000,853 30,219 SH   SOLE   30,219 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,254,352 7,298 SH   SOLE   7,298 0 0
BOEING CO COM 097023105   298,307 1,566 SH   SOLE   1,566 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   597,185 8,300 SH   SOLE   8,300 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   418,365 13,500 SH   SOLE   13,500 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   408,060 19,590 SH   SOLE   19,590 0 0
CHEVRON CORP NEW COM 166764100   1,367,355 7,618 SH   SOLE   7,618 0 0
CHUBB LIMITED COM H1467J104   1,412,281 6,402 SH   SOLE   6,402 0 0
CIGNA CORP NEW COM 125523100   823,380 2,485 SH   SOLE   2,485 0 0
COCA COLA CO COM 191216100   387,767 6,096 SH   SOLE   6,096 0 0
COMCAST CORP NEW CL A 20030N101   1,031,825 29,506 SH   SOLE   29,506 0 0
CONOCOPHILLIPS COM 20825C104   1,128,080 9,560 SH   SOLE   9,560 0 0
CSX CORP COM 126408103   1,358,318 43,845 SH   SOLE   43,845 0 0
DANAHER CORPORATION COM 235851102   1,556,688 5,865 SH   SOLE   5,865 0 0
DTE ENERGY CO COM 233331107   209,556 1,783 SH   SOLE   1,783 0 0
EXXON MOBIL CORP COM 30231G102   1,331,762 12,074 SH   SOLE   12,074 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105   310,791 3,501 SH   SOLE   3,501 0 0
FLEXSHARES TR STOX US ESG SLCT 33939L696   1,509,649 16,440 SH   SOLE   16,440 0 0
GENERAL ELECTRIC CO COM NEW 369604301   301,812 3,602 SH   SOLE   3,602 0 0
HOME DEPOT INC COM 437076102   239,468 758 SH   SOLE   758 0 0
INTEL CORP COM 458140100   246,380 9,322 SH   SOLE   9,322 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   625,129 4,437 SH   SOLE   4,437 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   220,379 4,120 SH   SOLE   4,120 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   2,225,219 8,357 SH   SOLE   8,357 0 0
ISHARES INC MSCI EMERG MRKT 464286533   1,755,531 33,092 SH   SOLE   33,092 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   11,576,539 119,395 SH   SOLE   119,395 0 0
ISHARES TR COHEN STEER REIT 464287564   316,975 5,780 SH   SOLE   5,780 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   213,505 3,689 SH   SOLE   3,689 0 0
ISHARES TR CORE S&P500 ETF 464287200   4,050,366 10,542 SH   SOLE   10,542 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   6,392,426 97,238 SH   SOLE   97,238 0 0
ISHARES TR ESG AWARE MSCI 46435U663   203,034 6,175 SH   SOLE   6,175 0 0
ISHARES TR IBONDS DEC 46435U697   954,038 37,050 SH   SOLE   37,050 0 0
ISHARES TR IBONDS DEC 25 46435U432   907,128 34,400 SH   SOLE   34,400 0 0
ISHARES TR IBONDS DEC 26 46435U259   882,350 35,000 SH   SOLE   35,000 0 0
ISHARES TR IBONDS DEC 27 46435U283   610,576 24,350 SH   SOLE   24,350 0 0
ISHARES TR IBONDS DEC2023 46435G318   945,682 37,305 SH   SOLE   37,305 0 0
ISHARES TR INTL DIV GRWTH 46435G524   386,121 6,700 SH   SOLE   6,700 0 0
ISHARES TR MORNINGSTAR GRWT 464287119   206,890 4,250 SH   SOLE   4,250 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   876,201 13,780 SH   SOLE   13,780 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,087,957 28,706 SH   SOLE   28,706 0 0
ISHARES TR MSCI USA ESG SLC 464288802   4,506,197 54,740 SH   SOLE   54,740 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   4,113,017 57,046 SH   SOLE   57,046 0 0
ISHARES TR MSCI USA MMENTM 46432F396   3,968,616 27,195 SH   SOLE   27,195 0 0
ISHARES TR TIPS BD ETF 464287176   207,558 1,950 SH   SOLE   1,950 0 0
ISHARES TR U.S. TECH ETF 464287721   1,172,175 15,736 SH   SOLE   15,736 0 0
ISHARES TR US HLTHCARE ETF 464287762   283,710 1,000 SH   SOLE   1,000 0 0
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   11,598,703 252,530 SH   SOLE   252,530 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   299,695 5,500 SH   SOLE   5,500 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   34,500,870 688,228 SH   SOLE   688,228 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,415,522 47,799 SH   SOLE   47,799 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   2,803,217 72,341 SH   SOLE   72,341 0 0
JOHNSON & JOHNSON COM 478160104   1,259,338 7,129 SH   SOLE   7,129 0 0
JPMORGAN CHASE & CO COM 46625H100   2,021,692 15,076 SH   SOLE   15,076 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   289,382 19,305 SH   SOLE   19,305 0 0
LILLY ELI & CO COM 532457108   391,449 1,070 SH   SOLE   1,070 0 0
MICROSOFT CORP COM 594918104   3,424,779 14,281 SH   SOLE   14,281 0 0
NORFOLK SOUTHN CORP COM 655844108   1,452,892 5,896 SH   SOLE   5,896 0 0
ORACLE CORP COM 68389X105   538,830 6,592 SH   SOLE   6,592 0 0
PEPSICO INC COM 713448108   960,208 5,315 SH   SOLE   5,315 0 0
PFIZER INC COM 717081103   1,655,515 32,309 SH   SOLE   32,309 0 0
PHILLIPS 66 COM 718546104   615,113 5,910 SH   SOLE   5,910 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   3,510,263 35,583 SH   SOLE   35,583 0 0
PIMCO HIGH INCOME FD COM SHS 722014107   73,395 15,517 SH   SOLE   15,517 0 0
PROCTER AND GAMBLE CO COM 742718109   471,958 3,114 SH   SOLE   3,114 0 0
QUALCOMM INC COM 747525103   1,031,017 9,378 SH   SOLE   9,378 0 0
SCHLUMBERGER LTD COM STK 806857108   427,680 8,000 SH   SOLE   8,000 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   751,260 14,058 SH   SOLE   14,058 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   2,164,117 46,321 SH   SOLE   46,321 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   6,839,373 141,778 SH   SOLE   141,778 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   227,565 4,985 SH   SOLE   4,985 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   18,910,901 250,343 SH   SOLE   250,343 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   525,598 9,460 SH   SOLE   9,460 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   504,145 11,166 SH   SOLE   11,166 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   616,095 1,611 SH   SOLE   1,611 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   353,346 798 SH   SOLE   798 0 0
SPDR SER TR RUSSELL YIELD 78468R770   694,504 7,412 SH   SOLE   7,412 0 0
STARBUCKS CORP COM 855244109   461,280 4,650 SH   SOLE   4,650 0 0
TESLA INC COM 88160R101   253,135 2,055 SH   SOLE   2,055 0 0
UNION PAC CORP COM 907818108   1,397,723 6,750 SH   SOLE   6,750 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,385,280 4,499 SH   SOLE   4,499 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   373,613 1,841 SH   SOLE   1,841 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,152,978 41,883 SH   SOLE   41,883 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   9,279,236 43,542 SH   SOLE   43,542 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   453,894 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,524,155 11,270 SH   SOLE   11,270 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   9,649,903 47,348 SH   SOLE   47,348 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   993,249 12,042 SH   SOLE   12,042 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,885,047 11,871 SH   SOLE   11,871 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   13,749,075 74,911 SH   SOLE   74,911 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,554,566 8,131 SH   SOLE   8,131 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   474,387 12,170 SH   SOLE   12,170 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,050,425 21,225 SH   SOLE   21,225 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   17,454,141 114,943 SH   SOLE   114,943 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,057,939 39,790 SH   SOLE   39,790 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   17,406,134 414,728 SH   SOLE   414,728 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   389,664 3,601 SH   SOLE   3,601 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   4,144,166 69,568 SH   SOLE   69,568 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   248,624 2,050 SH   SOLE   2,050 0 0
VISA INC COM CL A 92826C839   1,883,552 9,066 SH   SOLE   9,066 0 0
WASTE MGMT INC DEL COM 94106L109   1,306,810 8,330 SH   SOLE   8,330 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   1,995,864 33,066 SH   SOLE   33,066 0 0
WP CAREY INC COM 92936U109   234,450 3,000 SH   SOLE   3,000 0 0