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
PFIZER INC COM 717081103 232 7,083 SH   SOLE NONE 0 0 7,083
ISHARES INC ESG MSCI EM ETF 46434G863 6,618 206,290 SH   SOLE NONE 0 0 206,290
ISHARES TR SH TR CRPORT ETF 464288646 5,676 103,750 SH   SOLE NONE 0 0 103,750
SPDR SER TR SSGA US LRG ETF 78468R804 387 3,792 SH   SOLE NONE 0 0 3,792
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 708 13,136 SH   SOLE NONE 0 0 13,136
APPLE INC COM 037833100 773 2,119 SH   SOLE NONE 0 0 2,119
ISHARES TR MSCI ACWI EX US 464288240 2,943 68,064 SH   SOLE NONE 0 0 68,064
PROCTER AND GAMBLE CO COM 742718109 22,430 187,586 SH   SOLE NONE 0 0 187,586
ISHARES TR U.S. MED DVC ETF 464288810 3,811 14,394 SH   SOLE NONE 0 0 14,394
ISHARES TR MSCI MIN VOL ETF 46429B697 2,330 38,423 SH   SOLE NONE 0 0 38,423
ISHARES TR MULTIFACTOR USA 46434V282 5,398 173,728 SH   SOLE NONE 0 0 173,728
ISHARES TR CORE S&P SCP ETF 464287804 5,058 74,071 SH   SOLE NONE 0 0 74,071
ISHARES TR US TREAS BD ETF 46429B267 21,166 756,194 SH   SOLE NONE 0 0 756,194
ISHARES TR ESG MSCI USA ETF 46435G425 11,722 167,477 SH   SOLE NONE 0 0 167,477
ISHARES TR U.S. FIN SVC ETF 464287770 2,477 20,747 SH   SOLE NONE 0 0 20,747
ISHARES TR CORE DIV GRWTH 46434V621 6,803 180,931 SH   SOLE NONE 0 0 180,931
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 451 3,847 SH   SOLE NONE 0 0 3,847
ISHARES TR IBOXX INV CP ETF 464287242 8,958 66,605 SH   SOLE NONE 0 0 66,605
ISHARES TR CORE S&P TTL STK 464287150 369 5,317 SH   SOLE NONE 0 0 5,317
DBX ETF TR XTRCKR MSCI US 233051150 2,325 81,911 SH   SOLE NONE 0 0 81,911
ISHARES TR CORE US AGGBD ET 464287226 15,639 132,297 SH   SOLE NONE 0 0 132,297
ISHARES TR S&P 500 GRWT ETF 464287309 3,931 18,945 SH   SOLE NONE 0 0 18,945
ISHARES TR S&P MC 400GR ETF 464287606 2,156 9,625 SH   SOLE NONE 0 0 9,625
ISHARES TR S&P 500 VAL ETF 464287408 5,457 50,431 SH   SOLE NONE 0 0 50,431
ISHARES TR CORE MSCI EAFE 46432F842 4,708 82,360 SH   SOLE NONE 0 0 82,360
PEOPLES FINL SVCS CORP COM 711040105 1,084 28,383 SH   SOLE NONE 0 0 28,383
ISHARES TR MBS ETF 464288588 6,466 58,409 SH   SOLE NONE 0 0 58,409
ISHARES TR 20 YR TR BD ETF 464287432 1,126 6,869 SH   SOLE NONE 0 0 6,869
ISHARES TR CORE S&P500 ETF 464287200 26,142 84,412 SH   SOLE NONE 0 0 84,412
ISHARES TR EAFE GRWTH ETF 464288885 11,398 137,146 SH   SOLE NONE 0 0 137,146
FIDELITY COVINGTON TR MSCI INFO TECH I 316092808 4,344 52,826 SH   SOLE NONE 0 0 52,826
ISHARES TR SHORT TREAS BD 464288679 2,795 25,237 SH   SOLE NONE 0 0 25,237
ISHARES TR 0-5YR HI YL CP 46434V407 3,377 78,732 SH   SOLE NONE 0 0 78,732