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   571,519 14,143 SH   SOLE   1,104 0 13,039
EXXON MOBIL CORP COM 30231G102   291,805 2,661 SH   SOLE   156 0 2,505
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   243,392 1,021 SH   SOLE   0 0 1,021
ISHARES TR CORE S&P500 ETF 464287200   16,979,281 41,304 SH   SOLE   20,331 0 20,973
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   9,079,542 224,741 SH   SOLE   95,511 0 129,230
GENERAL ELECTRIC CO COM NEW 369604301   347,315 3,633 SH   SOLE   3,596 0 37
FLEXSHARES TR MORNSTAR UPSTR 33939L407   33,114,716 783,039 SH   SOLE   364,267 0 418,772
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   12,999,305 256,599 SH   SOLE   63,947 0 192,652
WISDOMTREE TR US SMALLCAP DIVD 97717W604   203,947 7,141 SH   SOLE   0 0 7,141
ISHARES TR IBOXX INV CP ETF 464287242   224,043 2,044 SH   SOLE   2,044 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   2,675,683 80,763 SH   SOLE   23,771 0 56,992
WISDOMTREE TR US SMALLCAP FUND 97717W562   801,083 18,535 SH   SOLE   18,535 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   20,984,417 110,701 SH   SOLE   54,427 0 56,274
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   6,426,066 105,432 SH   SOLE   40,739 0 64,693
VANGUARD INDEX FDS LARGE CAP ETF 922908637   20,554,331 110,028 SH   SOLE   75,968 0 34,060
JPMORGAN CHASE & CO COM 46625H100   726,609 5,576 SH   SOLE   781 0 4,795
DOW INC COM 260557103   213,798 3,900 SH   SOLE   3,900 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703   6,356,389 127,818 SH   SOLE   109,783 0 18,035
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   24,200,155 497,229 SH   SOLE   189,079 0 308,150
ILLINOIS TOOL WKS INC COM 452308109   355,437 1,460 SH   SOLE   0 0 1,460
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   6,507,551 95,953 SH   SOLE   35,004 0 60,949
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   15,588,017 187,717 SH   SOLE   75,254 0 112,463
ISHARES TR GL CLEAN ENE ETF 464288224   1,020,040 51,569 SH   SOLE   5,752 0 45,817
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,999,684 47,691 SH   SOLE   2,682 0 45,009
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   12,885,380 317,609 SH   SOLE   98,264 0 219,345
CORTEVA INC COM 22052L104   235,209 3,900 SH   SOLE   3,900 0 0
PHILLIPS 66 COM 718546104   260,344 2,568 SH   SOLE   2,368 0 200
WISDOMTREE TR EMER MKT HIGH FD 97717W315   257,069 6,790 SH   SOLE   5,046 0 1,744
JOHNSON & JOHNSON COM 478160104   833,435 5,377 SH   SOLE   5,270 0 107
AIR PRODS & CHEMS INC COM 009158106   574,420 2,000 SH   SOLE   2,000 0 0
PRICE T ROWE GROUP INC COM 74144T108   812,880 7,200 SH   SOLE   7,200 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   8,035,370 45,041 SH   SOLE   36,380 0 8,662
WISDOMTREE TR US LARGECAP DIVD 97717W307   6,601,465 106,716 SH   SOLE   55,754 0 50,962
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   12,301,209 166,615 SH   SOLE   43,162 0 123,453
PROCTER AND GAMBLE CO COM 742718109   1,180,153 7,937 SH   SOLE   7,391 0 546
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   12,076,118 386,189 SH   SOLE   128,492 0 257,697
ISHARES INC ESG AWR MSCI EM 46434G863   267,139 8,486 SH   SOLE   0 0 8,486
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,720,767 237,343 SH   SOLE   116,765 0 120,578
ISHARES TR NATIONAL MUN ETF 464288414   8,328,517 77,302 SH   SOLE   53,563 0 23,739
SMUCKER J M CO COM NEW 832696405   279,804 1,778 SH   SOLE   1,778 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   8,089,826 310,550 SH   SOLE   111,167 0 199,383
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,214,279 29,424 SH   SOLE   13,641 0 15,783
ISHARES TR CORE S&P MCP ETF 464287507   3,333,337 13,325 SH   SOLE   13,325 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   24,558,982 513,571 SH   SOLE   153,903 0 359,668
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   14,795,874 269,408 SH   SOLE   86,487 0 182,921
ISHARES TR ESG AW MSCI EAFE 46435G516   247,058 3,439 SH   SOLE   0 0 3,439
ISHARES TR MSCI EAFE ETF 464287465   4,750,931 66,428 SH   SOLE   46,081 0 20,347
SPDR SER TR DJ REIT ETF 78464A607   888,865 10,012 SH   SOLE   6,197 0 3,815
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,226,104 81,398 SH   SOLE   23,220 0 58,178