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 3,079 81,200 SH   SOLE   81,200 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,252 17,832 SH   SOLE   17,832 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,737 5,170 SH   SOLE   5,170 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,032 15,025 SH   SOLE   15,025 0 0
AMAZON COM INC COM 023135106 343 109 SH   DFND   0 0 109
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 22,707 106,634 SH   SOLE   106,634 0 0
JOHNSON & JOHNSON COM 478160104 356 2,388 SH   SOLE   2,388 0 0
ISHARES TR MSCI EAFE ETF 464287465 282 4,430 SH   SOLE   4,430 0 0
MICROSOFT CORP COM 594918104 452 2,148 SH   DFND   0 0 2,148
MICROSOFT CORP COM 594918104 492 2,339 SH   SOLE   2,339 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 399 3,421 SH   SOLE   3,421 0 0
ISHARES TR EXPND TEC SC ETF 464287549 37,905 122,645 SH   SOLE   122,645 0 0
PROCTER AND GAMBLE CO COM 742718109 316 2,274 SH   SOLE   2,274 0 0
JPMORGAN CHASE & CO COM 46625H100 216 2,239 SH   SOLE   2,239 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 110,535 907,367 SH   SOLE   907,367 0 0
ISHARES TR IBOXX INV CP ETF 464287242 243 1,801 SH   SOLE   1,801 0 0
APPLE INC COM 037833100 588 5,077 SH   DFND   0 0 5,077
APPLE INC COM 037833100 1,140 9,841 SH   SOLE   9,841 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,557 14,405 SH   SOLE   14,405 0 0
ISHARES TR CORE US AGGBD ET 464287226 214 1,816 SH   SOLE   1,816 0 0
ISHARES TR SELECT DIVID ETF 464287168 826 10,136 SH   SOLE   10,136 0 0
ISHARES TR TIPS BD ETF 464287176 370 2,922 SH   SOLE   2,922 0 0
ISHARES TR MICRO-CAP ETF 464288869 239 2,641 SH   SOLE   2,641 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 200 453 SH   SOLE   453 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 474 11,941 SH   SOLE   11,941 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,591 13,979 SH   SOLE   13,979 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 550 1,767 SH   SOLE   1,767 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 30,265 343,061 SH   SOLE   343,061 0 0
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E267 425 10,287 SH   SOLE   10,287 0 0
INVESCO EXCHANGE TRADED FD T CLEANTECH ETF 46137V407 632 10,774 SH   SOLE   10,774 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,134 9,461 SH   SOLE   9,461 0 0
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 384 21,544 SH   SOLE   21,544 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 12,949 162,591 SH   SOLE   162,591 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,396 140,007 SH   SOLE   140,007 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 523 7,655 SH   SOLE   7,655 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 1,278 10,181 SH   SOLE   10,181 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 29,539 228,737 SH   SOLE   228,737 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 159,194 517,453 SH   SOLE   517,453 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 38,598 695,714 SH   SOLE   695,714 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,056 15,501 SH   SOLE   15,501 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 954 28,927 SH   SOLE   28,927 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 2,217 72,225 SH   SOLE   72,225 0 0
ISHARES INC CORE MSCI EMKT 46434G103 3,254 61,622 SH   SOLE   61,622 0 0
ISHARES TR CORE MSCI EAFE 46432F842 388 6,431 SH   SOLE   6,431 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 4,517 136,674 SH   SOLE   136,674 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 37,793 523,814 SH   SOLE   523,814 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 11,164 226,397 SH   SOLE   226,397 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 332 3,310 SH   SOLE   3,310 0 0
ETF SER SOLUTIONS CBOE VEST S&P 26922A537 1,729 39,869 SH   SOLE   39,869 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 1,832 29,638 SH   SOLE   29,638 0 0