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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADOBE SYSTEMS INCORPORATED COM 00724F101   351,843 913 SH   SOLE 0 0 0 913
ANALOG DEVICES INC COM 032654105   1,150,384 5,833 SH   SOLE 0 0 0 5,833
APPLE INC COM 037833100   917,534 5,564 SH   SOLE 0 0 0 5,564
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,107,867 3,588 SH   SOLE 0 0 0 3,588
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   1,748,390 38,647 SH   SOLE 0 0 0 38,647
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   910,965 15,519 SH   SOLE 0 0 0 15,519
CHEVRON CORP NEW COM 166764100   250,614 1,536 SH   SOLE 0 0 0 1,536
COSTCO WHSL CORP NEW COM 22160K105   229,983 463 SH   SOLE 0 0 0 463
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   282,167 6,351 SH   SOLE 0 0 0 6,351
EXXON MOBIL CORP COM 30231G102   265,597 2,422 SH   SOLE 0 0 0 2,422
GLOBAL X FDS US INFR DEV ETF 37954Y673   4,908,122 173,126 SH   SOLE 0 0 0 173,126
GLOBAL X FDS S&P 500 QLT ETF 37954Y616   9,471,786 297,086 SH   SOLE 0 0 0 297,086
HOME DEPOT INC COM 437076102   581,170 1,969 SH   SOLE 0 0 0 1,969
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   6,480,353 49,090 SH   SOLE 0 0 0 49,090
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,085,850 7,508 SH   SOLE 0 0 0 7,508
INVESCO QQQ TR UNIT SER 1 46090E103   471,767 1,470 SH   SOLE 0 0 0 1,470
ISHARES INC CORE MSCI EMKT 46434G103   11,577,751 237,298 SH   SOLE 0 0 0 237,298
ISHARES INC ESG AWR MSCI EM 46434G863   959,573 30,482 SH   SOLE 0 0 0 30,482
ISHARES TR ESG ADV TTL USD 46436E619   4,820,534 111,509 SH   SOLE 0 0 0 111,509
ISHARES TR US TREAS BD ETF 46429B267   13,484,063 576,735 SH   SOLE 0 0 0 576,735
ISHARES TR CORE MSCI TOTAL 46432F834   591,870 9,554 SH   SOLE 0 0 0 9,554
ISHARES TR MSCI KLD400 SOC 464288570   5,060,849 64,891 SH   SOLE 0 0 0 64,891
ISHARES TR JPMORGAN USD EMG 464288281   1,723,685 19,978 SH   SOLE 0 0 0 19,978
ISHARES TR MSCI USA VALUE 46432F388   2,283,435 24,662 SH   SOLE 0 0 0 24,662
ISHARES TR U.S. TECH ETF 464287721   8,240,229 88,786 SH   SOLE 0 0 0 88,786
ISHARES TR ESG AWR US AGRGT 46435U549   2,092,244 43,534 SH   SOLE 0 0 0 43,534
ISHARES TR CORE TOTAL USD 46434V613   43,101,129 933,936 SH   SOLE 0 0 0 933,936
ISHARES TR ESG MSCI USA ETF 46436E767   4,340,371 131,248 SH   SOLE 0 0 0 131,248
ISHARES TR NATIONAL MUN ETF 464288414   2,776,568 25,771 SH   SOLE 0 0 0 25,771
ISHARES TR MSCI GBL SUS DEV 46435G532   276,294 3,489 SH   SOLE 0 0 0 3,489
ISHARES TR 0-5 YR TIPS ETF 46429B747   217,909 2,196 SH   SOLE 0 0 0 2,196
ISHARES TR 7-10 YR TRSY BD 464287440   6,697,455 67,569 SH   SOLE 0 0 0 67,569
ISHARES TR 10-20 YR TRS ETF 464288653   3,990,345 34,838 SH   SOLE 0 0 0 34,838
ISHARES TR MSCI USA MIN VOL 46429B697   5,767,846 79,294 SH   SOLE 0 0 0 79,294
ISHARES TR MSCI USA QLT FCT 46432F339   26,890,223 216,743 SH   SOLE 0 0 0 216,743
ISHARES TR ESG AW MSCI EAFE 46435G516   1,180,834 16,437 SH   SOLE 0 0 0 16,437
ISHARES TR U.S. MED DVC ETF 464288810   1,555,866 28,823 SH   SOLE 0 0 0 28,823
ISHARES TR RUS 1000 VAL ETF 464287598   1,106,017 7,264 SH   SOLE 0 0 0 7,264
ISHARES TR ESG EAFE ETF 46436E759   1,087,220 18,245 SH   SOLE 0 0 0 18,245
ISHARES TR CORE S&P TTL STK 464287150   792,765 8,755 SH   SOLE 0 0 0 8,755
ISHARES TR ESG AWR MSCI USA 46435G425   33,162,345 366,637 SH   SOLE 0 0 0 366,637
ISHARES TR ESG AWARE MSCI 46435U663   923,780 27,178 SH   SOLE 0 0 0 27,178
ISHARES TR RUS 1000 ETF 464287622   1,351,830 6,002 SH   SOLE 0 0 0 6,002
ISHARES TR MSCI ACWI ETF 464288257   202,466 2,221 SH   SOLE 0 0 0 2,221
ISHARES TR CORE S&P MCP ETF 464287507   738,398 2,952 SH   SOLE 0 0 0 2,952
ISHARES TR RUS 1000 GRW ETF 464287614   2,791,959 11,427 SH   SOLE 0 0 0 11,427
ISHARES TR FALN ANGLS USD 46435G474   1,343,248 53,156 SH   SOLE 0 0 0 53,156
ISHARES TR ESG AWRE USD ETF 46435G193   2,348,405 102,038 SH   SOLE 0 0 0 102,038
ISHARES TR MBS ETF 464288588   15,211,940 160,582 SH   SOLE 0 0 0 160,582
ISHARES TR RUS MD CP GR ETF 464287481   495,527 5,442 SH   SOLE 0 0 0 5,442
ISHARES TR EAFE VALUE ETF 464288877   15,462,659 318,621 SH   SOLE 0 0 0 318,621
ISHARES TR US INFRASTRUC 46435U713   1,726,050 46,250 SH   SOLE 0 0 0 46,250
ISHARES TR CORE S&P500 ETF 464287200   81,200,176 197,529 SH   SOLE 0 0 0 197,529
ISHARES TR GLOBAL TECH ETF 464287291   1,733,696 31,893 SH   SOLE 0 0 0 31,893
ISHARES TR RUSSELL 2000 ETF 464287655   1,005,641 5,637 SH   SOLE 0 0 0 5,637
ISHARES TR EAFE GRWTH ETF 464288885   19,235,218 205,329 SH   SOLE 0 0 0 205,329
ISHARES TR CORE HIGH DV ETF 46429B663   5,320,376 52,335 SH   SOLE 0 0 0 52,335
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   2,157,540 45,954 SH   SOLE 0 0 0 45,954
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   316,560 6,271 SH   SOLE 0 0 0 6,271
JOHNSON & JOHNSON COM 478160104   354,795 2,289 SH   SOLE 0 0 0 2,289
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   1,319,155 50,158 SH   SOLE 0 0 0 50,158
LOWES COS INC COM 548661107   206,969 1,035 SH   SOLE 0 0 0 1,035
MICROSOFT CORP COM 594918104   1,884,214 6,536 SH   SOLE 0 0 0 6,536
PACER FDS TR PACER US SMALL 69374H857   6,492,653 170,590 SH   SOLE 0 0 0 170,590
PACER FDS TR GLOBL CASH ETF 69374H709   29,534,207 878,210 SH   SOLE 0 0 0 878,210
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   329,538 3,609 SH   SOLE 0 0 0 3,609
PROCTER AND GAMBLE CO COM 742718109   253,368 1,704 SH   SOLE 0 0 0 1,704
QUANTA SVCS INC COM 74762E102   516,751 3,101 SH   SOLE 0 0 0 3,101
READY CAPITAL CORP COM 75574U101   164,937 16,218 SH   SOLE 0 0 0 16,218
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   775,172 18,487 SH   SOLE 0 0 0 18,487
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,165,291 24,353 SH   SOLE 0 0 0 24,353
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,998,945 103,348 SH   SOLE 0 0 0 103,348
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   24,422,127 333,818 SH   SOLE 0 0 0 333,818
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   2,245,204 95,015 SH   SOLE 0 0 0 95,015
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   350,745 5,382 SH   SOLE 0 0 0 5,382
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,662,664 24,505 SH   SOLE 0 0 0 24,505
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,354,862 8,972 SH   SOLE 0 0 0 8,972
SELECT SECTOR SPDR TR ENERGY 81369Y506   208,381 2,516 SH   SOLE 0 0 0 2,516
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,856,305 4,534 SH   SOLE 0 0 0 4,534
SPDR SER TR PORTFOLIO LN TSR 78464A664   201,338 6,520 SH   SOLE 0 0 0 6,520
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,717,031 36,110 SH   SOLE 0 0 0 36,110
SPDR SER TR PORT MTG BK ETF 78464A383   778,252 35,088 SH   SOLE 0 0 0 35,088
SPDR SER TR PORTFOLIO SHORT 78464A474   468,510 15,812 SH   SOLE 0 0 0 15,812
SPDR SER TR PORTFOLI S&P1500 78464A805   1,131,750 22,442 SH   SOLE 0 0 0 22,442
SPDR SER TR S&P 600 SML CAP 78464A813   362,758 4,317 SH   SOLE 0 0 0 4,317
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,305,446 81,175 SH   SOLE 0 0 0 81,175
THERMO FISHER SCIENTIFIC INC COM 883556102   338,329 587 SH   SOLE 0 0 0 587
UNITEDHEALTH GROUP INC COM 91324P102   306,238 648 SH   SOLE 0 0 0 648
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,604,477 9,585 SH   SOLE 0 0 0 9,585
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,172,350 5,744 SH   SOLE 0 0 0 5,744
VANGUARD WORLD FD MEGA GRWTH IND 921910816   4,477,746 21,895 SH   SOLE 0 0 0 21,895
WISDOMTREE TR INTL QULTY DIV 97717X131   564,376 16,663 SH   SOLE 0 0 0 16,663
XCEL ENERGY INC COM 98389B100   216,209 3,206 SH   SOLE 0 0 0 3,206