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
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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
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134   497,063 12,968 SH   SOLE   1,104 0 11,864
EXXON MOBIL CORP COM 30231G102   293,508 2,661 SH   SOLE   156 0 2,505
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   252,367 1,017 SH   SOLE   0 0 1,017
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   8,647,060 221,833 SH   SOLE   95,179 0 126,655
GENERAL ELECTRIC CO COM NEW 369604301   304,409 3,633 SH   SOLE   3,596 0 37
ISHARES TR CORE S&P500 ETF 464287200   15,371,601 40,008 SH   SOLE   19,901 0 20,107
FLEXSHARES TR MORNSTAR UPSTR 33939L407   33,345,986 767,103 SH   SOLE   361,367 0 405,736
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   13,214,077 267,005 SH   SOLE   63,420 0 203,585
ISHARES TR IBOXX INV CP ETF 464287242   319,980 3,035 SH   SOLE   3,035 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   2,481,892 79,395 SH   SOLE   23,756 0 55,639
WISDOMTREE TR US SMALLCAP FUND 97717W562   789,406 18,535 SH   SOLE   18,535 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   19,918,917 108,526 SH   SOLE   53,825 0 54,701
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   5,889,976 106,241 SH   SOLE   40,186 0 66,055
VANGUARD INDEX FDS LARGE CAP ETF 922908637   19,301,883 110,803 SH   SOLE   76,048 0 34,755
JPMORGAN CHASE & CO COM 46625H100   747,742 5,576 SH   SOLE   781 0 4,795
WISDOMTREE TR INTL EQUITY FD 97717W703   6,066,702 128,969 SH   SOLE   109,900 0 19,069
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   23,053,685 493,444 SH   SOLE   190,591 0 302,852
ILLINOIS TOOL WKS INC COM 452308109   321,638 1,460 SH   SOLE   0 0 1,460
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   5,987,876 93,052 SH   SOLE   33,256 0 59,796
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   15,440,257 187,200 SH   SOLE   77,410 0 109,790
ISHARES TR GL CLEAN ENE ETF 464288224   1,001,060 50,431 SH   SOLE   5,752 0 44,679
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,179,438 53,800 SH   SOLE   3,476 0 50,324
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   12,380,495 299,480 SH   SOLE   91,168 0 208,312
PHILLIPS 66 COM 718546104   267,277 2,568 SH   SOLE   2,368 0 200
CORTEVA INC COM 22052L104   229,242 3,900 SH   SOLE   3,900 0 0
JOHNSON & JOHNSON COM 478160104   949,847 5,377 SH   SOLE   5,270 0 107
WISDOMTREE TR EMER MKT HIGH FD 97717W315   245,524 6,889 SH   SOLE   5,046 0 1,843
AIR PRODS & CHEMS INC COM 009158106   616,520 2,000 SH   SOLE   2,000 0 0
PRICE T ROWE GROUP INC COM 74144T108   785,232 7,200 SH   SOLE   7,200 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   7,846,254 45,000 SH   SOLE   36,339 0 8,662
WISDOMTREE TR US LARGECAP DIVD 97717W307   6,641,232 107,203 SH   SOLE   55,970 0 51,233
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   11,518,318 160,333 SH   SOLE   43,631 0 116,702
PROCTER AND GAMBLE CO COM 742718109   1,202,932 7,937 SH   SOLE   7,391 0 546
ISHARES INC ESG AWR MSCI EM 46434G863   255,174 8,486 SH   SOLE   0 0 8,486
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   11,325,573 389,597 SH   SOLE   128,330 0 261,267
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,009,235 238,485 SH   SOLE   116,766 0 121,719
ISHARES TR NATIONAL MUN ETF 464288414   8,398,126 79,588 SH   SOLE   55,720 0 23,868
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   290,874 16,990 SH   SOLE   0 0 16,990
SMUCKER J M CO COM NEW 832696405   281,742 1,778 SH   SOLE   1,778 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   7,522,042 303,553 SH   SOLE   109,619 0 193,934
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,014,596 29,322 SH   SOLE   13,951 0 15,371
ISHARES TR CORE S&P MCP ETF 464287507   3,368,274 13,925 SH   SOLE   13,925 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   23,562,923 504,451 SH   SOLE   152,937 0 351,514
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   13,602,663 254,541 SH   SOLE   84,421 0 170,120
ISHARES TR ESG AW MSCI EAFE 46435G516   227,460 3,460 SH   SOLE   0 0 3,460
ISHARES TR MSCI EAFE ETF 464287465   4,519,248 68,849 SH   SOLE   46,741 0 22,108
SPDR SER TR DJ REIT ETF 78464A607   873,330 10,021 SH   SOLE   6,197 0 3,824
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   5,911,436 78,526 SH   SOLE   20,821 0 57,705