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
Estimated average burden
hours per response: 23.8
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 U S ETF TR GSCI CMDTY STGY 46431W853 7,067 197,169 SH   SOLE 0 0 0 197,169
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,124 7,499 SH   SOLE 0 0 0 7,499
ISHARES TR ESG MSCI USA ETF 46436E767 1,568 43,421 SH   SOLE 0 0 0 43,421
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,093 4,876 SH   SOLE 0 0 0 4,876
ABBOTT LABS COM 002824100 300 2,543 SH   SOLE 0 0 0 2,543
ISHARES TR TIPS BD ETF 464287176 9,515 74,513 SH   SOLE 0 0 0 74,513
READY CAPITAL CORP COM 75574U101 234 16,218 SH   SOLE 0 0 0 16,218
ISHARES TR COHEN STEER REIT 464287564 295 4,505 SH   SOLE 0 0 0 4,505
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 388 8,223 SH   SOLE 0 0 0 8,223
COSTCO WHSL CORP NEW COM 22160K105 208 462 SH   SOLE 0 0 0 462
AMAZON COM INC COM 023135106 355 108 SH   SOLE 0 0 0 108
ISHARES TR 0-5 YR TIPS ETF 46429B747 424 4,017 SH   SOLE 0 0 0 4,017
APPLE INC COM 037833100 1,289 9,110 SH   SOLE 0 0 0 9,110
ISHARES TR 10-20 YR TRS ETF 464288653 298 2,026 SH   SOLE 0 0 0 2,026
ISHARES TR MSCI USA QLT FCT 46432F339 843 6,401 SH   SOLE 0 0 0 6,401
LOWES COS INC COM 548661107 210 1,035 SH   SOLE 0 0 0 1,035
ISHARES TR ESG AW MSCI EAFE 46435G516 1,134 14,469 SH   SOLE 0 0 0 14,469
ISHARES TR U.S. MED DVC ETF 464288810 1,658 26,406 SH   SOLE 0 0 0 26,406
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,905 39,012 SH   SOLE 0 0 0 39,012
ISHARES TR U.S. ENERGY ETF 464287796 4,347 153,827 SH   SOLE 0 0 0 153,827
ISHARES TR MSCI USA VALUE 46432F388 13,773 136,769 SH   SOLE 0 0 0 136,769
ISHARES TR CORE TOTAL USD 46434V613 25,486 478,700 SH   SOLE 0 0 0 478,700
ISHARES INC ESG AWR MSCI EM 46434G863 9,916 239,294 SH   SOLE 0 0 0 239,294
ISHARES TR ESG AWRE 1 5 YR 46435G243 852 32,783 SH   SOLE 0 0 0 32,783
ISHARES TR US TREAS BD ETF 46429B267 19,214 724,242 SH   SOLE 0 0 0 724,242
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,468 14,131 SH   SOLE 0 0 0 14,131
CISCO SYS INC COM 17275R102 232 4,254 SH   SOLE 0 0 0 4,254
ISHARES TR CORE S&P SCP ETF 464287804 9,076 83,123 SH   SOLE 0 0 0 83,123
ISHARES TR ESG ADV TTL USD 46436E619 2,764 55,742 SH   SOLE 0 0 0 55,742
ANALOG DEVICES INC COM 032654105 1,091 6,513 SH   SOLE 0 0 0 6,513
EXXON MOBIL CORP COM 30231G102 328 5,581 SH   SOLE 0 0 0 5,581
CHEVRON CORP NEW COM 166764100 215 2,116 SH   SOLE 0 0 0 2,116
QUANTA SVCS INC COM 74762E102 483 4,241 SH   SOLE 0 0 0 4,241
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 991 3,631 SH   SOLE 0 0 0 3,631
ISHARES TR IBOXX INV CP ETF 464287242 619 4,650 SH   SOLE 0 0 0 4,650
ISHARES TR RUS 1000 VAL ETF 464287598 1,358 8,677 SH   SOLE 0 0 0 8,677
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 610 15,761 SH   SOLE 0 0 0 15,761
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 374 2,524 SH   SOLE 0 0 0 2,524
ISHARES TR ESG EAFE ETF 46436E759 786 11,593 SH   SOLE 0 0 0 11,593
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,293 8,659 SH   SOLE 0 0 0 8,659
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 11,878 159,989 SH   SOLE 0 0 0 159,989
HOME DEPOT INC COM 437076102 682 2,078 SH   SOLE 0 0 0 2,078
VANGUARD INDEX FDS TOTAL STK MKT 922908769 688 3,100 SH   SOLE 0 0 0 3,100
ISHARES TR ESG AWR MSCI USA 46435G425 69,344 704,287 SH   SOLE 0 0 0 704,287
ISHARES TR CORE US AGGBD ET 464287226 6,646 57,877 SH   SOLE 0 0 0 57,877
INVESCO QQQ TR UNIT SER 1 46090E103 575 1,607 SH   SOLE 0 0 0 1,607
WELLS FARGO CO NEW COM 949746101 645 13,902 SH   SOLE 0 0 0 13,902
WISDOMTREE TR INTL QULTY DIV 97717X131 3,419 89,779 SH   SOLE 0 0 0 89,779
UNITEDHEALTH GROUP INC COM 91324P102 253 648 SH   SOLE 0 0 0 648
VANGUARD WORLD FD MEGA GRWTH IND 921910816 13,367 56,927 SH   SOLE 0 0 0 56,927
ISHARES TR ESG AWARE MSCI 46435U663 974 24,956 SH   SOLE 0 0 0 24,956
ISHARES TR RUS 1000 ETF 464287622 1,651 6,831 SH   SOLE 0 0 0 6,831
MICROSOFT CORP COM 594918104 2,513 8,914 SH   SOLE 0 0 0 8,914
ISHARES TR CORE S&P MCP ETF 464287507 1,638 6,226 SH   SOLE 0 0 0 6,226
ISHARES TR RUS 1000 GRW ETF 464287614 3,384 12,347 SH   SOLE 0 0 0 12,347
ISHARES TR GLOBAL FINLS ETF 464287333 6,417 81,791 SH   SOLE 0 0 0 81,791
ISHARES TR RUSSELL 2000 ETF 464287655 1,922 8,785 SH   SOLE 0 0 0 8,785
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,096 77,827 SH   SOLE 0 0 0 77,827
ADOBE SYSTEMS INCORPORATED COM 00724F101 526 913 SH   SOLE 0 0 0 913
ALPHABET INC CAP STK CL A 02079K305 291 109 SH   SOLE 0 0 0 109
ISHARES TR FALN ANGLS USD 46435G474 4,739 157,395 SH   SOLE 0 0 0 157,395
GLOBAL X FDS THMATC GWT ETF 37954Y418 12,989 260,720 SH   SOLE 0 0 0 260,720
ISHARES TR MSCI GLOBAL IMP 46435G532 863 8,987 SH   SOLE 0 0 0 8,987
ISHARES TR MBS ETF 464288588 2,285 21,133 SH   SOLE 0 0 0 21,133
ALPHABET INC CAP STK CL C 02079K107 251 94 SH   SOLE 0 0 0 94
ISHARES TR RUS MD CP GR ETF 464287481 826 7,368 SH   SOLE 0 0 0 7,368
ISHARES TR EAFE VALUE ETF 464288877 19,590 385,249 SH   SOLE 0 0 0 385,249
ISHARES TR ISHS 1-5YR INVS 464288646 7,768 142,172 SH   SOLE 0 0 0 142,172
ISHARES TR CORE S&P500 ETF 464287200 36,770 85,349 SH   SOLE 0 0 0 85,349
ISHARES TR GLOBAL TECH ETF 464287291 11,312 199,654 SH   SOLE 0 0 0 199,654
SPDR SER TR PRTFLO S&P500 VL 78464A508 276 7,080 SH   SOLE 0 0 0 7,080
ISHARES TR EAFE GRWTH ETF 464288885 18,669 175,348 SH   SOLE 0 0 0 175,348
JOHNSON & JOHNSON COM 478160104 639 3,959 SH   SOLE 0 0 0 3,959
THERMO FISHER SCIENTIFIC INC COM 883556102 527 923 SH   SOLE 0 0 0 923
DELL TECHNOLOGIES INC CL C 24703L202 430 4,129 SH   SOLE 0 0 0 4,129
ISHARES TR GENOMICS IMMUN 46435U192 3,291 64,896 SH   SOLE 0 0 0 64,896
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,529 32,996 SH   SOLE 0 0 0 32,996