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 INC COM 00724F101   465,539 913 SH   SOLE 0 0 0 913
ALPHABET INC CAP STK CL A 02079K305   246,017 1,880 SH   SOLE 0 0 0 1,880
ALPHABET INC CAP STK CL C 02079K107   208,323 1,580 SH   SOLE 0 0 0 1,580
AMPHENOL CORP NEW CL A 032095101   248,106 2,954 SH   SOLE 0 0 0 2,954
ANALOG DEVICES INC COM 032654105   992,410 5,668 SH   SOLE 0 0 0 5,668
APPLE INC COM 037833100   938,972 5,484 SH   SOLE 0 0 0 5,484
AUTOMATIC DATA PROCESSING IN COM 053015103   204,746 851 SH   SOLE 0 0 0 851
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,256,876 3,588 SH   SOLE 0 0 0 3,588
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   2,962,697 62,929 SH   SOLE 0 0 0 62,929
BLACKROCK ETF TRUST WORLD EX US CARB 09290C608   507,238 12,596 SH   SOLE 0 0 0 12,596
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   700,503 11,324 SH   SOLE 0 0 0 11,324
CDW CORP COM 12514G108   254,016 1,259 SH   SOLE 0 0 0 1,259
CHEVRON CORP NEW COM 166764100   257,989 1,530 SH   SOLE 0 0 0 1,530
COSTCO WHSL CORP NEW COM 22160K105   261,592 463 SH   SOLE 0 0 0 463
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   297,650 6,394 SH   SOLE 0 0 0 6,394
EXXON MOBIL CORP COM 30231G102   249,505 2,122 SH   SOLE 0 0 0 2,122
GLOBAL X FDS US INFR DEV ETF 37954Y673   6,512,555 214,370 SH   SOLE 0 0 0 214,370
GLOBAL X FDS S&P 500 QLT ETF 37954Y616   618,718 20,275 SH   SOLE 0 0 0 20,275
HOME DEPOT INC COM 437076102   595,035 1,969 SH   SOLE 0 0 0 1,969
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   6,528,665 44,289 SH   SOLE 0 0 0 44,289
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   10,938,014 77,197 SH   SOLE 0 0 0 77,197
INVESCO QQQ TR UNIT SER 1 46090E103   638,415 1,782 SH   SOLE 0 0 0 1,782
ISHARES INC CORE MSCI EMKT 46434G103   7,982,271 167,730 SH   SOLE 0 0 0 167,730
ISHARES INC ESG AWR MSCI EM 46434G863   716,818 23,673 SH   SOLE 0 0 0 23,673
ISHARES INC MSCI EQUAL WEITE 464286681   1,075,503 14,300 SH   SOLE 0 0 0 14,300
ISHARES TR 20 YR TR BD ETF 464287432   7,452,355 84,027 SH   SOLE 0 0 0 84,027
ISHARES TR EAFE VALUE ETF 464288877   23,328,290 476,769 SH   SOLE 0 0 0 476,769
ISHARES TR RUS MD CP GR ETF 464287481   497,127 5,442 SH   SOLE 0 0 0 5,442
ISHARES TR CORE S&P500 ETF 464287200   105,615,579 245,944 SH   SOLE 0 0 0 245,944
ISHARES TR GLOBAL TECH ETF 464287291   1,768,632 30,578 SH   SOLE 0 0 0 30,578
ISHARES TR US INFRASTRUC 46435U713   2,016,475 55,110 SH   SOLE 0 0 0 55,110
ISHARES TR EAFE GRWTH ETF 464288885   16,857,703 195,338 SH   SOLE 0 0 0 195,338
ISHARES TR CORE HIGH DV ETF 46429B663   3,949,963 39,943 SH   SOLE 0 0 0 39,943
ISHARES TR ESG AWRE USD ETF 46435G193   2,244,174 103,133 SH   SOLE 0 0 0 103,133
ISHARES TR MBS ETF 464288588   13,148,548 148,069 SH   SOLE 0 0 0 148,069
ISHARES TR ESG AWARE MSCI 46435U663   503,337 14,958 SH   SOLE 0 0 0 14,958
ISHARES TR RUS 1000 ETF 464287622   1,358,250 5,782 SH   SOLE 0 0 0 5,782
ISHARES TR MSCI ACWI ETF 464288257   267,226 2,893 SH   SOLE 0 0 0 2,893
ISHARES TR CORE S&P MCP ETF 464287507   3,166,723 12,700 SH   SOLE 0 0 0 12,700
ISHARES TR RUS 1000 GRW ETF 464287614   2,658,038 9,993 SH   SOLE 0 0 0 9,993
ISHARES TR S&P 500 GRWT ETF 464287309   4,858,250 71,006 SH   SOLE 0 0 0 71,006
ISHARES TR RUSSELL 2000 ETF 464287655   1,088,365 6,158 SH   SOLE 0 0 0 6,158
ISHARES TR US TREAS BD ETF 46429B267   6,090,716 276,348 SH   SOLE 0 0 0 276,348
ISHARES TR CORE MSCI TOTAL 46432F834   390,415 6,508 SH   SOLE 0 0 0 6,508
ISHARES TR COHEN STEER REIT 464287564   406,095 8,096 SH   SOLE 0 0 0 8,096
ISHARES TR U.S. TECH ETF 464287721   5,256,282 50,098 SH   SOLE 0 0 0 50,098
ISHARES TR JPMORGAN USD EMG 464288281   1,781,079 21,584 SH   SOLE 0 0 0 21,584
ISHARES TR ESG AWR US AGRGT 46435U549   2,514,965 55,518 SH   SOLE 0 0 0 55,518
ISHARES TR MSCI KLD400 SOC 464288570   2,315,056 28,437 SH   SOLE 0 0 0 28,437
ISHARES TR CORE TOTAL USD 46434V613   50,154,716 1,147,311 SH   SOLE 0 0 0 1,147,311
ISHARES TR NATIONAL MUN ETF 464288414   2,030,292 19,800 SH   SOLE 0 0 0 19,800
ISHARES TR ESG MSCI USA ETF 46436E767   4,545,555 131,147 SH   SOLE 0 0 0 131,147
ISHARES TR TIPS BD ETF 464287176   2,706,982 26,099 SH   SOLE 0 0 0 26,099
ISHARES TR MSCI USA MIN VOL 46429B697   5,222,217 72,150 SH   SOLE 0 0 0 72,150
ISHARES TR 7-10 YR TRSY BD 464287440   6,968,915 76,088 SH   SOLE 0 0 0 76,088
ISHARES TR MSCI USA QLT FCT 46432F339   33,718,125 255,847 SH   SOLE 0 0 0 255,847
ISHARES TR U.S. MED DVC ETF 464288810   819,747 16,902 SH   SOLE 0 0 0 16,902
ISHARES TR ESG AW MSCI EAFE 46435G516   832,947 12,049 SH   SOLE 0 0 0 12,049
ISHARES TR ESG ADV TTL USD 46436E619   1,858,471 45,495 SH   SOLE 0 0 0 45,495
ISHARES TR IBOXX INV CP ETF 464287242   4,155,071 40,728 SH   SOLE 0 0 0 40,728
ISHARES TR RUS 1000 VAL ETF 464287598   765,780 5,044 SH   SOLE 0 0 0 5,044
ISHARES TR TRS FLT RT BD 46434V860   12,190,792 240,260 SH   SOLE 0 0 0 240,260
ISHARES TR ESG EAFE ETF 46436E759   1,207,682 21,154 SH   SOLE 0 0 0 21,154
ISHARES TR ESG AWR MSCI USA 46435G425   21,962,250 233,865 SH   SOLE 0 0 0 233,865
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   2,635,489 60,908 SH   SOLE 0 0 0 60,908
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   1,081,142 21,464 SH   SOLE 0 0 0 21,464
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   7,081,621 160,109 SH   SOLE 0 0 0 160,109
JOHNSON & JOHNSON COM 478160104   278,637 1,789 SH   SOLE 0 0 0 1,789
LOWES COS INC COM 548661107   215,114 1,035 SH   SOLE 0 0 0 1,035
MICROSOFT CORP COM 594918104   2,049,524 6,491 SH   SOLE 0 0 0 6,491
MOODYS CORP COM 615369105   210,569 666 SH   SOLE 0 0 0 666
PACER FDS TR PACER US SMALL 69374H857   8,089,715 193,998 SH   SOLE 0 0 0 193,998
PACER FDS TR GLOBL CASH ETF 69374H709   21,854,749 671,627 SH   SOLE 0 0 0 671,627
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   277,763 3,076 SH   SOLE 0 0 0 3,076
PROCTER AND GAMBLE CO COM 742718109   248,545 1,704 SH   SOLE 0 0 0 1,704
QUANTA SVCS INC COM 74762E102   580,104 3,101 SH   SOLE 0 0 0 3,101
READY CAPITAL CORP COM 75574U101   163,964 16,218 SH   SOLE 0 0 0 16,218
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   869,240 20,986 SH   SOLE 0 0 0 20,986
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   6,648,096 133,362 SH   SOLE 0 0 0 133,362
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   419,712 12,359 SH   SOLE 0 0 0 12,359
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   287,099 3,948 SH   SOLE 0 0 0 3,948
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   703,731 30,597 SH   SOLE 0 0 0 30,597
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   7,117,010 100,580 SH   SOLE 0 0 0 100,580
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,410,654 20,843 SH   SOLE 0 0 0 20,843
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,999,198 79,036 SH   SOLE 0 0 0 79,036
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,811,754 11,052 SH   SOLE 0 0 0 11,052
SELECT SECTOR SPDR TR ENERGY 81369Y506   231,161 2,557 SH   SOLE 0 0 0 2,557
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   7,546,026 303,175 SH   SOLE 0 0 0 303,175
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,747,971 4,089 SH   SOLE 0 0 0 4,089
SPDR SER TR PORTFLI TIPS ETF 78464A656   227,609 9,163 SH   SOLE 0 0 0 9,163
SPDR SER TR PORT MTG BK ETF 78464A383   2,206,485 106,081 SH   SOLE 0 0 0 106,081
SPDR SER TR NUVEEN BLMBRG SH 78468R739   792,244 17,137 SH   SOLE 0 0 0 17,137
SPDR SER TR PRTFLO S&P500 GW 78464A409   500,797 8,448 SH   SOLE 0 0 0 8,448
SPDR SER TR PORTFOLIO S&P600 78468R853   209,887 5,688 SH   SOLE 0 0 0 5,688
SPDR SER TR PORTFOLIO SHORT 78464A474   336,945 11,492 SH   SOLE 0 0 0 11,492
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,472,528 35,689 SH   SOLE 0 0 0 35,689
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   6,321,662 254,803 SH   SOLE 0 0 0 254,803
THERMO FISHER SCIENTIFIC INC COM 883556102   284,974 563 SH   SOLE 0 0 0 563
UNITEDHEALTH GROUP INC COM 91324P102   274,279 544 SH   SOLE 0 0 0 544
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,856,091 18,154 SH   SOLE 0 0 0 18,154
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   12,099,320 30,811 SH   SOLE 0 0 0 30,811
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   603,436 8,329 SH   SOLE 0 0 0 8,329
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   1,232,988 22,212 SH   SOLE 0 0 0 22,212
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   606,190 10,607 SH   SOLE 0 0 0 10,607
VANGUARD WELLINGTON FD US MINIMUM 921935409   535,557 5,569 SH   SOLE 0 0 0 5,569
VANGUARD WORLD FD MEGA GRWTH IND 921910816   4,083,292 17,996 SH   SOLE 0 0 0 17,996
VERISK ANALYTICS INC COM 92345Y106   217,341 920 SH   SOLE 0 0 0 920
WEX INC COM 96208T104   212,730 1,131 SH   SOLE 0 0 0 1,131
WISDOMTREE TR INTL QULTY DIV 97717X131   1,965,644 61,388 SH   SOLE 0 0 0 61,388
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,982,457 39,397 SH   SOLE 0 0 0 39,397
ZOETIS INC CL A 98978V103   227,392 1,307 SH   SOLE 0 0 0 1,307