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
ISHARES TR NATIONAL MUN ETF 464288414 1,032 10,062 SH   SOLE NONE 0 0 10,062
AMYRIS INC COM NEW 03236M200 42 14,224 SH   SOLE NONE 0 0 14,224
PFIZER INC COM 717081103 205 4,686 SH   SOLE NONE 0 0 4,686
ISHARES TR SHRT NAT MUN ETF 464288158 327 3,188 SH   SOLE NONE 0 0 3,188
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,660 46,482 SH   SOLE NONE 0 0 46,482
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 237 3,335 SH   SOLE NONE 0 0 3,335
ISHARES TR TIPS BD ETF 464287176 7,260 69,204 SH   SOLE NONE 0 0 69,204
ISHARES TR 10-20 YR TRS ETF 464288653 3,043 27,934 SH   SOLE NONE 0 0 27,934
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 214 4,816 SH   SOLE NONE 0 0 4,816
ISHARES TR MSCI USA MIN VOL 46429B697 2,562 38,761 SH   SOLE NONE 0 0 38,761
APPLE INC COM 037833100 1,077 7,794 SH   SOLE NONE 0 0 7,794
PROCTER AND GAMBLE CO COM 742718109 30,238 239,506 SH   SOLE NONE 0 0 239,506
ISHARES TR CORE TOTAL USD 46434V613 24,772 556,671 SH   SOLE NONE 0 0 556,671
ISHARES INC ESG AWR MSCI EM 46434G863 330 11,921 SH   SOLE NONE 0 0 11,921
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748 272 9,576 SH   SOLE NONE 0 0 9,576
INNOVATOR ETFS TR US EQT ULTRA BFR 45782C425 350 13,519 SH   SOLE NONE 0 0 13,519
ISHARES INC MSCI EMERG MRKT 464286533 6,219 122,715 SH   SOLE NONE 0 0 122,715
ISHARES TR CORE S&P SCP ETF 464287804 2,709 31,066 SH   SOLE NONE 0 0 31,066
ISHARES TR US TREAS BD ETF 46429B267 20,042 880,571 SH   SOLE NONE 0 0 880,571
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 584 10,122 SH   SOLE NONE 0 0 10,122
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 292 6,919 SH   SOLE NONE 0 0 6,919
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 296 14,918 SH   SOLE NONE 0 0 14,918
ISHARES TR CONV BD ETF 46435G102 2,248 32,624 SH   SOLE NONE 0 0 32,624
INNOVATOR ETFS TR US EQT ULTRA BF 45782C375 492 17,750 SH   SOLE NONE 0 0 17,750
ISHARES TR ESG AWR MSCI USA 46435G425 22,404 282,131 SH   SOLE NONE 0 0 282,131
ISHARES TR CORE US AGGBD ET 464287226 8,472 87,936 SH   SOLE NONE 0 0 87,936
DBX ETF TR XTRCKR MSCI US 233051150 1,165 35,729 SH   SOLE NONE 0 0 35,729
TESLA INC COM 88160R101 221 832 SH   SOLE NONE 0 0 832
ISHARES TR CORE 1 5 YR USD 46432F859 5,272 114,355 SH   SOLE NONE 0 0 114,355
ISHARES TR MBS ETF 464288588 4,342 47,410 SH   SOLE NONE 0 0 47,410
PEOPLES FINL SVCS CORP COM 711040105 618 13,191 SH   SOLE NONE 0 0 13,191
ISHARES TR FALN ANGLS USD 46435G474 4,225 176,778 SH   SOLE NONE 0 0 176,778
ISHARES TR EAFE VALUE ETF 464288877 8,457 219,485 SH   SOLE NONE 0 0 219,485
ISHARES TR 20 YR TR BD ETF 464287432 362 3,530 SH   SOLE NONE 0 0 3,530
INNOVATOR ETFS TR US EQT ULTRA BF 45782C805 344 14,169 SH   SOLE NONE 0 0 14,169
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 226 5,639 SH   SOLE NONE 0 0 5,639
ISHARES TR CORE S&P500 ETF 464287200 39,933 111,342 SH   SOLE NONE 0 0 111,342
ISHARES TR IBONDS 24 TRM TS 46436E874 201 8,385 SH   SOLE NONE 0 0 8,385
ISHARES TR EAFE GRWTH ETF 464288885 8,339 114,927 SH   SOLE NONE 0 0 114,927
ISHARES TR CORE HIGH DV ETF 46429B663 3,131 34,299 SH   SOLE NONE 0 0 34,299
ISHARES TR US INFRASTRUC 46435U713 849 26,332 SH   SOLE NONE 0 0 26,332
INNOVATOR ETFS TR US EQT ULTRA BF 45782C672 428 16,931 SH   SOLE NONE 0 0 16,931