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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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
IMPACT SHS TR I YWCA WOMENS ETF 45259A100 210 6,394 SH   SOLE   0 0 6,394
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,603 16,505 SH   SOLE   0 0 16,505
ISHARES TR RUS 2000 GRW ETF 464287648 10,210 39,923 SH   SOLE   0 0 39,923
ISHARES TR CORE S&P MCP ETF 464287507 1,095 4,081 SH   SOLE   0 0 4,081
ISHARES TR S&P MC 400VL ETF 464287705 794 7,245 SH   SOLE   0 0 7,245
ISHARES TR S&P MC 400GR ETF 464287606 290 3,759 SH   SOLE   0 0 3,759
ISHARES TR CORE S&P SCP ETF 464287804 39 361 SH   DFND   0 0 361
ISHARES TR CORE S&P SCP ETF 464287804 22,938 212,621 SH   SOLE   0 0 212,621
ISHARES TR SP SMCP600VL ETF 464287879 5,014 48,971 SH   SOLE   0 0 48,971
ISHARES TR S&P SML 600 GWT 464287887 840 6,713 SH   SOLE   0 0 6,713
ISHARES TR S&P 500 VAL ETF 464287408 1,435 9,214 SH   DFND   0 0 9,214
ISHARES TR S&P 500 VAL ETF 464287408 51,774 332,484 SH   SOLE   0 0 332,484
ISHARES TR CORE S&P500 ETF 464287200 5,524 12,176 SH   SOLE   0 0 12,176
ISHARES TR S&P 500 GRWT ETF 464287309 23,088 302,280 SH   SOLE   0 0 302,280
ISHARES TR RUS 1000 ETF 464287622 7,086 28,336 SH   SOLE   0 0 28,336
ISHARES TR RUS 1000 VAL ETF 464287598 25 150 SH   DFND   0 0 150
ISHARES TR RUS 1000 VAL ETF 464287598 55,151 332,277 SH   SOLE   0 0 332,277
ISHARES TR RUS 1000 GRW ETF 464287614 2,536 9,135 SH   DFND   0 0 9,135
ISHARES TR RUS 1000 GRW ETF 464287614 112,358 404,704 SH   SOLE   0 0 404,704
ISHARES TR RUSSELL 2000 ETF 464287655 163 792 SH   DFND   0 0 792
ISHARES TR RUSSELL 2000 ETF 464287655 12,500 60,895 SH   SOLE   0 0 60,895
ISHARES TR RUS 2000 VAL ETF 464287630 10,590 65,613 SH   SOLE   0 0 65,613
ISHARES TR RUSSELL 3000 ETF 464287689 223 850 SH   SOLE   0 0 850
ISHARES TR RUS MID CAP ETF 464287499 374 4,787 SH   SOLE   0 0 4,787
ISHARES TR RUS MD CP GR ETF 464287481 7,748 77,091 SH   SOLE   0 0 77,091
ISHARES TR RUS MDCP VAL ETF 464287473 508 4,243 SH   SOLE   0 0 4,243
ISHARES TR MSCI EAFE ETF 464287465 47 634 SH   DFND   0 0 634
ISHARES TR MSCI EAFE ETF 464287465 10,542 143,237 SH   SOLE   0 0 143,237
ISHARES TR MSCI EMG MKT ETF 464287234 978 21,662 SH   SOLE   0 0 21,662
ISHARES TR MORNINGSTR US EQ 464287127 634 10,089 SH   SOLE   0 0 10,089
ISHARES TR CORE US AGGBD ET 464287226 3,648 34,058 SH   SOLE   0 0 34,058
ISHARES TR MSCI ACWI EX US 464288240 3,698 70,753 SH   SOLE   0 0 70,753
ISHARES TR GRWT ALLOCAT ETF 464289867 7 137 SH   DFND   0 0 137
ISHARES TR GRWT ALLOCAT ETF 464289867 31,610 585,801 SH   SOLE   0 0 585,801
ISHARES TR CORE MSCI TOTAL 46432F834 534 8,027 SH   SOLE   0 0 8,027
ISHARES TR MSCI KLD400 SOC 464288570 1,933 22,311 SH   SOLE   0 0 22,311
ISHARES TR RUSEL 2500 ETF 46435G268 3,461 55,480 SH   SOLE   0 0 55,480
ISHARES TR IBONDS DEC2026 46435GAA0 344 13,958 SH   SOLE   0 0 13,958
ISHARES TR CORE MSCI EAFE 46432F842 679 9,765 SH   SOLE   0 0 9,765
ISHARES TR IBONDS DEC23 ETF 46434VAX8 27 1,071 SH   DFND   0 0 1,071
ISHARES TR IBONDS DEC23 ETF 46434VAX8 378 14,970 SH   SOLE   0 0 14,970
ISHARES TR IBONDS DEC25 ETF 46434VBD1 335 13,268 SH   SOLE   0 0 13,268
ISHARES TR IBONDS DEC22 ETF 46434VBA7 346 13,835 SH   SOLE   0 0 13,835
ISHARES TR IBONDS DEC24 ETF 46434VBG4 335 13,332 SH   SOLE   0 0 13,332
ISHARES TR ESG AW MSCI EAFE 46435G516 284 3,858 SH   SOLE   0 0 3,858
ISHARES TR ESG AWR US AGRGT 46435U549 471 9,113 SH   SOLE   0 0 9,113
S&P GLOBAL INC COM 78409V104 920 2,243 SH   DFND   0 0 2,243
S&P GLOBAL INC COM 78409V104 45 110 SH   SOLE   0 0 110
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 421 5,904 SH   SOLE   0 0 5,904
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 299 862 SH   SOLE   0 0 862
SPDR S&P 500 ETF TR TR UNIT 78462F103 58 129 SH   DFND   0 0 129
SPDR S&P 500 ETF TR TR UNIT 78462F103 45,321 100,347 SH   SOLE   0 0 100,347
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 222 452 SH   SOLE   0 0 452
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 932 5,624 SH   SOLE   0 0 5,624
VANGUARD INDEX FDS MID CAP ETF 922908629 292 1,226 SH   SOLE   0 0 1,226
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,802 11,568 SH   SOLE   0 0 11,568
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 342 2,282 SH   SOLE   0 0 2,282
VANGUARD INDEX FDS GROWTH ETF 922908736 1,839 6,395 SH   SOLE   0 0 6,395
VANGUARD INDEX FDS SMALL CP ETF 922908751 378 1,778 SH   SOLE   0 0 1,778
VANGUARD INDEX FDS VALUE ETF 922908744 1,073 7,263 SH   SOLE   0 0 7,263
VANGUARD INDEX FDS TOTAL STK MKT 922908769 50,065 219,901 SH   SOLE   0 0 219,901
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 657 11,412 SH   SOLE   0 0 11,412
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 487 10,564 SH   SOLE   0 0 10,564
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,762 17,031 SH   SOLE   0 0 17,031
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 120 2,503 SH   DFND   0 0 2,503
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 18,635 387,983 SH   SOLE   0 0 387,983