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
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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   446,448 913 SH   SOLE 0 0 0 913
ALPHABET INC CAP STK CL A 02079K305   225,036 1,880 SH   SOLE 0 0 0 1,880
ANALOG DEVICES INC COM 032654105   1,136,327 5,833 SH   SOLE 0 0 0 5,833
APPLE INC COM 037833100   1,062,615 5,478 SH   SOLE 0 0 0 5,478
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,223,508 3,588 SH   SOLE 0 0 0 3,588
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   1,913,356 39,176 SH   SOLE 0 0 0 39,176
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   692,689 11,324 SH   SOLE 0 0 0 11,324
CHEVRON CORP NEW COM 166764100   241,690 1,536 SH   SOLE 0 0 0 1,536
COSTCO WHSL CORP NEW COM 22160K105   249,243 463 SH   SOLE 0 0 0 463
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   306,892 6,372 SH   SOLE 0 0 0 6,372
EXXON MOBIL CORP COM 30231G102   259,760 2,422 SH   SOLE 0 0 0 2,422
GLOBAL X FDS US INFR DEV ETF 37954Y673   6,254,476 198,997 SH   SOLE 0 0 0 198,997
GLOBAL X FDS S&P 500 QLT ETF 37954Y616   9,800,748 310,861 SH   SOLE 0 0 0 310,861
HOME DEPOT INC COM 437076102   611,734 1,969 SH   SOLE 0 0 0 1,969
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   7,504,241 49,377 SH   SOLE 0 0 0 49,377
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   891,636 5,959 SH   SOLE 0 0 0 5,959
INVESCO QQQ TR UNIT SER 1 46090E103   658,283 1,782 SH   SOLE 0 0 0 1,782
ISHARES INC CORE MSCI EMKT 46434G103   12,563,035 254,880 SH   SOLE 0 0 0 254,880
ISHARES INC ESG AWR MSCI EM 46434G863   973,571 30,780 SH   SOLE 0 0 0 30,780
ISHARES TR ESG ADV TTL USD 46436E619   1,704,477 40,030 SH   SOLE 0 0 0 40,030
ISHARES TR US TREAS BD ETF 46429B267   17,688,822 772,438 SH   SOLE 0 0 0 772,438
ISHARES TR CORE MSCI TOTAL 46432F834   407,531 6,508 SH   SOLE 0 0 0 6,508
ISHARES TR U.S. TECH ETF 464287721   10,868,057 99,826 SH   SOLE 0 0 0 99,826
ISHARES TR JPMORGAN USD EMG 464288281   1,816,622 20,992 SH   SOLE 0 0 0 20,992
ISHARES TR MSCI USA VALUE 46432F388   526,424 5,613 SH   SOLE 0 0 0 5,613
ISHARES TR ESG AWR US AGRGT 46435U549   2,075,763 44,006 SH   SOLE 0 0 0 44,006
ISHARES TR MSCI KLD400 SOC 464288570   2,281,680 27,108 SH   SOLE 0 0 0 27,108
ISHARES TR CORE TOTAL USD 46434V613   51,870,514 1,140,763 SH   SOLE 0 0 0 1,140,763
ISHARES TR NATIONAL MUN ETF 464288414   1,738,845 16,292 SH   SOLE 0 0 0 16,292
ISHARES TR ESG MSCI USA ETF 46436E767   4,621,660 128,558 SH   SOLE 0 0 0 128,558
ISHARES TR 0-5 YR TIPS ETF 46429B747   214,330 2,196 SH   SOLE 0 0 0 2,196
ISHARES TR MSCI USA MIN VOL 46429B697   6,600,430 88,799 SH   SOLE 0 0 0 88,799
ISHARES TR 7-10 YR TRSY BD 464287440   6,826,088 70,663 SH   SOLE 0 0 0 70,663
ISHARES TR 10-20 YR TRS ETF 464288653   4,234,405 38,227 SH   SOLE 0 0 0 38,227
ISHARES TR MSCI USA QLT FCT 46432F339   38,486,823 285,362 SH   SOLE 0 0 0 285,362
ISHARES TR U.S. MED DVC ETF 464288810   1,627,347 28,823 SH   SOLE 0 0 0 28,823
ISHARES TR ESG AW MSCI EAFE 46435G516   1,208,450 16,570 SH   SOLE 0 0 0 16,570
ISHARES TR RUS 1000 VAL ETF 464287598   1,018,319 6,452 SH   SOLE 0 0 0 6,452
ISHARES TR ESG AWR MSCI USA 46435G425   30,634,004 314,324 SH   SOLE 0 0 0 314,324
ISHARES TR ESG EAFE ETF 46436E759   1,122,693 18,432 SH   SOLE 0 0 0 18,432
ISHARES TR ESG AWARE MSCI 46435U663   980,423 27,602 SH   SOLE 0 0 0 27,602
ISHARES TR RUS 1000 ETF 464287622   1,409,305 5,782 SH   SOLE 0 0 0 5,782
ISHARES TR MSCI ACWI ETF 464288257   277,554 2,893 SH   SOLE 0 0 0 2,893
ISHARES TR CORE S&P MCP ETF 464287507   771,865 2,952 SH   SOLE 0 0 0 2,952
ISHARES TR RUS 1000 GRW ETF 464287614   2,950,755 10,723 SH   SOLE 0 0 0 10,723
ISHARES TR RUSSELL 2000 ETF 464287655   1,055,641 5,637 SH   SOLE 0 0 0 5,637
ISHARES TR US INFRASTRUC 46435U713   1,881,077 48,134 SH   SOLE 0 0 0 48,134
ISHARES TR EAFE GRWTH ETF 464288885   22,388,089 234,651 SH   SOLE 0 0 0 234,651
ISHARES TR CORE HIGH DV ETF 46429B663   4,704,676 46,678 SH   SOLE 0 0 0 46,678
ISHARES TR RUS MD CP GR ETF 464287481   525,895 5,442 SH   SOLE 0 0 0 5,442
ISHARES TR EAFE VALUE ETF 464288877   16,650,986 340,233 SH   SOLE 0 0 0 340,233
ISHARES TR CORE S&P500 ETF 464287200   97,875,529 219,595 SH   SOLE 0 0 0 219,595
ISHARES TR GLOBAL TECH ETF 464287291   1,908,789 30,693 SH   SOLE 0 0 0 30,693
ISHARES TR FALN ANGLS USD 46435G474   1,431,103 56,409 SH   SOLE 0 0 0 56,409
ISHARES TR ESG AWRE USD ETF 46435G193   2,298,923 101,096 SH   SOLE 0 0 0 101,096
ISHARES TR MBS ETF 464288588   16,458,716 176,473 SH   SOLE 0 0 0 176,473
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   8,153,772 176,565 SH   SOLE 0 0 0 176,565
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   3,380,291 76,339 SH   SOLE 0 0 0 76,339
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   1,593,010 31,551 SH   SOLE 0 0 0 31,551
JOHNSON & JOHNSON COM 478160104   378,875 2,289 SH   SOLE 0 0 0 2,289
LOWES COS INC COM 548661107   233,600 1,035 SH   SOLE 0 0 0 1,035
MICROSOFT CORP COM 594918104   2,210,034 6,490 SH   SOLE 0 0 0 6,490
PACER FDS TR GLOBL CASH ETF 69374H709   32,456,386 979,077 SH   SOLE 0 0 0 979,077
PACER FDS TR PACER US SMALL 69374H857   8,108,363 199,223 SH   SOLE 0 0 0 199,223
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   280,500 3,076 SH   SOLE 0 0 0 3,076
PROCTER AND GAMBLE CO COM 742718109   258,565 1,704 SH   SOLE 0 0 0 1,704
QUANTA SVCS INC COM 74762E102   609,191 3,101 SH   SOLE 0 0 0 3,101
READY CAPITAL CORP COM 75574U101   182,939 16,218 SH   SOLE 0 0 0 16,218
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   754,455 17,225 SH   SOLE 0 0 0 17,225
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,133,833 21,931 SH   SOLE 0 0 0 21,931
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,025,443 95,960 SH   SOLE 0 0 0 95,960
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   1,899,926 79,362 SH   SOLE 0 0 0 79,362
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   441,810 12,393 SH   SOLE 0 0 0 12,393
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   403,381 5,382 SH   SOLE 0 0 0 5,382
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   12,754,857 175,638 SH   SOLE 0 0 0 175,638
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,626,161 22,894 SH   SOLE 0 0 0 22,894
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,273,741 13,078 SH   SOLE 0 0 0 13,078
SELECT SECTOR SPDR TR ENERGY 81369Y506   206,043 2,538 SH   SOLE 0 0 0 2,538
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,057,561 4,642 SH   SOLE 0 0 0 4,642
SPDR SER TR PORTFOLIO LN TSR 78464A664   364,541 12,192 SH   SOLE 0 0 0 12,192
SPDR SER TR PORT MTG BK ETF 78464A383   2,879,456 131,422 SH   SOLE 0 0 0 131,422
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,142,845 24,290 SH   SOLE 0 0 0 24,290
SPDR SER TR PORTFOLI S&P1500 78464A805   1,049,331 19,275 SH   SOLE 0 0 0 19,275
SPDR SER TR PORTFOLIO SHORT 78464A474   338,324 11,492 SH   SOLE 0 0 0 11,492
SPDR SER TR PORTFOLIO S&P600 78468R853   241,624 6,221 SH   SOLE 0 0 0 6,221
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,344,205 54,264 SH   SOLE 0 0 0 54,264
STRYKER CORPORATION COM 863667101   213,563 700 SH   SOLE 0 0 0 700
THERMO FISHER SCIENTIFIC INC COM 883556102   293,745 563 SH   SOLE 0 0 0 563
UNITEDHEALTH GROUP INC COM 91324P102   261,468 544 SH   SOLE 0 0 0 544
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   10,035,620 24,641 SH   SOLE 0 0 0 24,641
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,069,673 18,475 SH   SOLE 0 0 0 18,475
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   2,664,982 45,431 SH   SOLE 0 0 0 45,431
VANGUARD WELLINGTON FD US MINIMUM 921935409   484,249 4,853 SH   SOLE 0 0 0 4,853
VANGUARD WORLD FD MEGA GRWTH IND 921910816   4,734,638 20,120 SH   SOLE 0 0 0 20,120
WISDOMTREE TR INTL QULTY DIV 97717X131   2,623,969 76,256 SH   SOLE 0 0 0 76,256