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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
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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
ISHARES TR CORE S&P500 ETF 464287200   176,476,703 410,956 SH   SOLE   0 0 410,956
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   162,059,519 3,706,759 SH   SOLE   0 0 3,706,759
ISHARES TR CORE S&P MCP ETF 464287507   88,587,144 355,272 SH   SOLE   0 0 355,272
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   79,162,124 1,655,073 SH   SOLE   0 0 1,655,073
ISHARES TR BARCLAYS 7 10 YR 464287440   69,913,388 763,330 SH   SOLE   0 0 763,330
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771   45,288,593 1,034,458 SH   SOLE   0 0 1,034,458
ISHARES TR INTRM TR CRP ETF 464288638   41,152,230 845,883 SH   SOLE   0 0 845,883
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   40,354,200 1,029,181 SH   SOLE   0 0 1,029,181
ISHARES TR CORE S&P SCP ETF 464287804   29,275,773 310,355 SH   SOLE   0 0 310,355
ISHARES TR ESG MSCI USA ETF 46435G425   28,674,298 305,338 SH   SOLE   0 0 305,338
ISHARES TR NATIONAL MUN ETF 464288414   17,176,531 167,511 SH   SOLE   0 0 167,511
ISHARES TR ESG MSCI EAFE 46435G516   15,510,532 224,368 SH   SOLE   0 0 224,368
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   8,659,953 119,086 SH   SOLE   0 0 119,086
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   8,323,974 129,134 SH   SOLE   0 0 129,134
ISHARES TR CORE US AGGBD ET 464287226   6,590,214 70,079 SH   SOLE   0 0 70,079
ISHARES INC ESG MSCI EM ETF 46435G863   4,063,356 134,193 SH   SOLE   0 0 134,193
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406   3,701,230 35,823 SH   SOLE   0 0 35,823
ISHARES TR SH TR CRPORT ETF 464288646   3,178,748 63,792 SH   SOLE   0 0 63,792
ISHARES TR ESG MSCI USA SML 46435U663   3,148,095 93,554 SH   SOLE   0 0 93,554
VANGUARD WHITEHALL FDS INC INTL HIGH ETF 921946794   2,578,761 41,667 SH   SOLE   0 0 41,667
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,501,432 9,159 SH   SOLE   0 0 9,159
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,393,262 19,690 SH   SOLE   0 0 19,690
ISHARES TR ESG MSCI USA ETF 46436E767   1,253,350 36,161 SH   SOLE   0 0 36,161
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,238,032 5,829 SH   SOLE   0 0 5,829
ISHARES TR ESG AWR US AGRGT 46435U549   1,118,935 24,701 SH   SOLE   0 0 24,701
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,058,031 5,432 SH   SOLE   0 0 5,432
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   997,207 7,615 SH   SOLE   0 0 7,615
ISHARES TR JPMORGAN USD EMG 464288281   959,231 11,624 SH   SOLE   0 0 11,624
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   951,448 12,657 SH   SOLE   0 0 12,657
ISHARES TR SHRT NAT MUN ETF 464288158   871,463 8,472 SH   SOLE   0 0 8,472
VANGUARD INDEX FDS SM CP VAL ETF 922908611   822,704 5,158 SH   SOLE   0 0 5,158
VANGUARD INDEX FDS SML CP GRW ETF 922908595   814,456 3,803 SH   SOLE   0 0 3,803
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   628,789 4,884 SH   SOLE   0 0 4,884
SPDR SER TR PORTFOLIO INTRMD 78464A375   606,122 19,273 SH   SOLE   0 0 19,273
VANGUARD STAR FDS VG TL INTL STK F 921909768   503,952 9,416 SH   SOLE   0 0 9,416
VANGUARD INDEX FDS GROWTH ETF 922908736   487,933 1,792 SH   SOLE   0 0 1,792
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   472,802 14,254 SH   SOLE   0 0 14,254
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   461,446 2,866 SH   SOLE   0 0 2,866
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   372,981 3,679 SH   SOLE   0 0 3,679
ISHARES TR ESG EAFE ETF 46436E759   366,528 6,420 SH   SOLE   0 0 6,420
SPDR SER TR RUSSELL YIELD 78468R770   360,909 3,948 SH   SOLE   0 0 3,948
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   355,649 5,424 SH   SOLE   0 0 5,424
ISHARES TR MSCI LW CRB TG 46434V464   338,389 2,252 SH   SOLE   0 0 2,252
WISDOMTREE TR EMER MKT HIGH FD 97717W315   337,309 9,000 SH   SOLE   0 0 9,000
WISDOMTREE TR US SMALLCAP DIVD 97717W604   330,009 11,702 SH   SOLE   0 0 11,702
VANGUARD INDEX FDS VALUE ETF 922908744   312,245 2,264 SH   SOLE   0 0 2,264
SPDR SER TR PORTFOLIO LN COR 78464A367   295,415 13,908 SH   SOLE   0 0 13,908
ISHARES TR ISHARES TR 46434V381   285,508 5,468 SH   SOLE   0 0 5,468
ISHARES TR ESG AWRE 1 5 YR 46435G243   284,723 11,978 SH   SOLE   0 0 11,978
SPDR SER TR SPDR S&P 500 ETF 78468R796   273,157 7,865 SH   SOLE   0 0 7,865
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   269,216 12,149 SH   SOLE   0 0 12,149
ISHARES TR CORE MSCI EAFE 46432F842   232,394 3,611 SH   SOLE   0 0 3,611
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   231,152 3,045 SH   SOLE   0 0 3,045
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   229,151 3,330 SH   SOLE   0 0 3,330
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   214,556 8,679 SH   SOLE   0 0 8,679