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
EXXON MOBIL CORP COM 30231G102   306,334 2,661 SH   SOLE   156 0 2,505
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134   686,309 34,060 SH   SOLE   4,116 0 29,944
VANECK ETF TRUST IG FLOATING RATE 92189F486   204,080 8,000 SH   SOLE   0 0 8,000
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   441,785 3,725 SH   SOLE   0 0 3,725
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,751,182 245,685 SH   SOLE   99,099 0 146,586
ISHARES TR CORE S&P500 ETF 464287200   22,324,123 40,795 SH   SOLE   17,284 0 23,511
GENERAL ELECTRIC CO COM NEW 369604301   577,538 3,633 SH   SOLE   3,596 0 37
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   356,764 877 SH   SOLE   0 0 877
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   14,819,882 295,747 SH   SOLE   137,738 0 158,009
FLEXSHARES TR MORNSTAR UPSTR 33939L407   37,472,308 933,540 SH   SOLE   392,601 0 540,939
WISDOMTREE TR US SMALLCAP DIVD 97717W604   354,425 11,378 SH   SOLE   1,988 0 9,390
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   3,058,954 88,002 SH   SOLE   22,280 0 65,722
WISDOMTREE TR US SMALLCAP FUND 97717W562   871,481 18,491 SH   SOLE   18,491 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   7,472,997 111,921 SH   SOLE   37,317 0 74,604
VANGUARD INDEX FDS SMALL CP ETF 922908751   25,120,909 115,212 SH   SOLE   52,355 0 62,857
ISHARES TR ESG AWR MSCI USA 46435G425   202,844 1,700 SH   SOLE   0 0 1,700
VANGUARD INDEX FDS LARGE CAP ETF 922908637   23,447,306 93,932 SH   SOLE   64,673 0 29,259
JPMORGAN CHASE & CO COM 46625H100   1,127,802 5,576 SH   SOLE   781 0 4,795
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   384,400 20,000 SH   SOLE   0 0 20,000
SELECT SECTOR SPDR TR INDL 81369Y704   348,533 2,860 SH   SOLE   0 0 2,860
ILLINOIS TOOL WKS INC COM 452308109   345,962 1,460 SH   SOLE   0 0 1,460
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   29,217,998 532,010 SH   SOLE   199,240 0 332,771
WISDOMTREE TR INTL EQUITY FD 97717W703   6,469,929 120,438 SH   SOLE   103,466 0 16,972
INVESCO QQQ TR UNIT SER 1 46090E103   219,432 458 SH   SOLE   0 0 458
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   7,577,704 102,153 SH   SOLE   31,927 0 70,226
ISHARES TR S&P MC 400GR ETF 464287606   383,883 4,357 SH   SOLE   0 0 4,357
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   16,753,631 200,019 SH   SOLE   74,643 0 125,376
WISDOMTREE TR JAPN HEDGE EQT 97717W851   651,159 5,772 SH   SOLE   0 0 5,772
WISDOMTREE TR US LARGECAP FUND 97717W588   212,162 3,730 SH   SOLE   3,730 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   15,136,642 373,099 SH   SOLE   110,174 0 262,925
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,031,335 42,810 SH   SOLE   2,836 0 39,974
ISHARES TR GL CLEAN ENE ETF 464288224   1,047,157 78,615 SH   SOLE   9,048 0 69,567
PHILLIPS 66 COM 718546104   339,937 2,408 SH   SOLE   2,208 0 200
CORTEVA INC COM 22052L104   210,366 3,900 SH   SOLE   3,900 0 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315   294,075 6,790 SH   SOLE   5,046 0 1,744
JOHNSON & JOHNSON COM 478160104   785,902 5,377 SH   SOLE   5,270 0 107
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   13,597,001 327,323 SH   SOLE   80,606 0 246,717
GLOBAL X FDS US INFR DEV ETF 37954Y673   702,455 18,975 SH   SOLE   0 0 18,975
AIR PRODS & CHEMS INC COM 009158106   231,471 897 SH   SOLE   897 0 0
PRICE T ROWE GROUP INC COM 74144T108   830,232 7,200 SH   SOLE   7,200 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   8,647,641 42,622 SH   SOLE   33,961 0 8,662
WISDOMTREE TR US LARGECAP DIVD 97717W307   6,999,852 96,218 SH   SOLE   54,041 0 42,177
PROCTER AND GAMBLE CO COM 742718109   1,305,672 7,917 SH   SOLE   7,391 0 526
ISHARES INC ESG AWR MSCI EM 46434G863   290,303 8,658 SH   SOLE   0 0 8,658
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   492,668 3,380 SH   SOLE   0 0 3,380
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   13,123,424 374,634 SH   SOLE   122,762 0 251,872
SELECT SECTOR SPDR TR ENERGY 81369Y506   316,946 3,477 SH   SOLE   0 0 3,477
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   683,298 38,024 SH   SOLE   518 0 37,506
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   11,918,102 241,159 SH   SOLE   112,652 0 128,507
ISHARES TR NATIONAL MUN ETF 464288414   7,316,149 68,664 SH   SOLE   18,894 0 49,770
SPDR S&P 500 ETF TR TR UNIT 78462F103   217,144 399 SH   SOLE   0 0 399
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   9,840,368 332,782 SH   SOLE   113,383 0 219,399
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   384,533 1,475 SH   SOLE   0 0 1,475
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,683,168 31,349 SH   SOLE   13,076 0 18,273
ISHARES TR ESG AWARE MSCI 46435U663   256,795 6,670 SH   SOLE   0 0 6,670
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   27,685,240 570,359 SH   SOLE   164,638 0 405,721
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   1,512,872 33,068 SH   SOLE   0 0 33,068
ISHARES TR ESG AW MSCI EAFE 46435G516   259,659 3,296 SH   SOLE   0 0 3,296
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   309,377 1,163 SH   SOLE   0 0 1,163
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   17,717,770 264,523 SH   SOLE   75,087 0 189,436
ISHARES TR CORE S&P MCP ETF 464287507   3,898,826 66,624 SH   SOLE   66,624 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   269,070 538 SH   SOLE   0 0 538
SPDR SER TR DJ REIT ETF 78464A607   1,324,254 14,224 SH   SOLE   6,197 0 8,027
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,079,792 53,192 SH   SOLE   13,262 0 39,930
ISHARES TR MSCI EAFE ETF 464287465   4,937,688 63,037 SH   SOLE   43,714 0 19,323