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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES INC MSCI EURZONE ETF 464286608 2,759 75,626 SH   SOLE   75,626 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,224 17,927 SH   SOLE   17,927 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,601 5,170 SH   SOLE   5,170 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,671 15,147 SH   SOLE   15,147 0 0
AMAZON COM INC COM 023135106 301 109 SH   DFND   0 0 109
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 19,798 110,906 SH   SOLE   110,906 0 0
JOHNSON & JOHNSON COM 478160104 336 2,388 SH   SOLE   2,388 0 0
ISHARES TR MSCI EAFE ETF 464287465 270 4,430 SH   SOLE   4,430 0 0
MICROSOFT CORP COM 594918104 437 2,148 SH   DFND   0 0 2,148
MICROSOFT CORP COM 594918104 483 2,372 SH   SOLE   2,372 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 357 3,421 SH   SOLE   3,421 0 0
ISHARES TR EXPND TEC SC ETF 464287549 18,201 65,203 SH   SOLE   65,203 0 0
PROCTER AND GAMBLE CO COM 742718109 272 2,274 SH   SOLE   2,274 0 0
JPMORGAN CHASE & CO COM 46625H100 211 2,239 SH   SOLE   2,239 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 110,324 905,258 SH   SOLE   905,258 0 0
ISHARES TR IBOXX INV CP ETF 464287242 242 1,801 SH   SOLE   1,801 0 0
APPLE INC COM 037833100 438 1,200 SH   DFND   0 0 1,200
APPLE INC COM 037833100 874 2,395 SH   SOLE   2,395 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,540 15,134 SH   SOLE   15,134 0 0
ISHARES TR CORE US AGGBD ET 464287226 220 1,863 SH   SOLE   1,863 0 0
ISHARES TR SELECT DIVID ETF 464287168 875 10,841 SH   SOLE   10,841 0 0
ISHARES TR TIPS BD ETF 464287176 387 3,147 SH   SOLE   3,147 0 0
ISHARES TR MICRO-CAP ETF 464288869 230 2,641 SH   SOLE   2,641 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 434 11,941 SH   SOLE   11,941 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,600 14,768 SH   SOLE   14,768 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 492 1,767 SH   SOLE   1,767 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 31,124 352,326 SH   SOLE   352,326 0 0
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E267 385 10,287 SH   SOLE   10,287 0 0
INVESCO EXCHANGE TRADED FD T CLEANTECH ETF 46137V407 530 10,774 SH   SOLE   10,774 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,147 10,477 SH   SOLE   10,477 0 0
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 421 23,397 SH   SOLE   23,397 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 12,335 167,890 SH   SOLE   167,890 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,408 148,172 SH   SOLE   148,172 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 543 8,310 SH   SOLE   8,310 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 1,264 10,514 SH   SOLE   10,514 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 28,469 227,515 SH   SOLE   227,515 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 152,500 538,050 SH   SOLE   538,050 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 36,795 699,256 SH   SOLE   699,256 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 1,036 15,679 SH   SOLE   15,679 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 878 28,927 SH   SOLE   28,927 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 21,428 697,534 SH   SOLE   697,534 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,823 59,303 SH   SOLE   59,303 0 0
ISHARES TR CORE MSCI EAFE 46432F842 400 7,003 SH   SOLE   7,003 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 4,869 153,498 SH   SOLE   153,498 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 52,580 780,696 SH   SOLE   780,696 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 11,477 231,629 SH   SOLE   231,629 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 418 4,160 SH   SOLE   4,160 0 0
ETF SER SOLUTIONS CBOE VEST S&P 26922A537 1,814 44,592 SH   SOLE   44,592 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 662 11,748 SH   SOLE   11,748 0 0