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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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   863,633 40,933 SH   SOLE   40,933 0 0
AFFIRM HLDGS INC COM CL A 00827B106   366,825 9,845 SH   SOLE   9,845 0 0
ALPHABET INC CAP STK CL A 02079K305   1,415,120 9,376 SH   SOLE   9,376 0 0
ALPHABET INC CAP STK CL C 02079K107   277,375 1,822 SH   SOLE   1,822 0 0
AMAZON COM INC COM 023135106   2,973,023 16,482 SH   SOLE   16,482 0 0
AMGEN INC COM 031162100   918,922 3,232 SH   SOLE   3,232 0 0
APPLE INC COM 037833100   6,421,580 37,448 SH   SOLE   37,448 0 0
ARISTA NETWORKS INC COM 040413106   782,946 2,700 SH   SOLE   2,700 0 0
ASML HLDGS NV F SPONSORED ADR COMMON N07059202   339,665 350 SH   SOLE   350 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,287,632 3,062 SH   SOLE   3,062 0 0
CATERPILLAR INC COM 149123101   942,113 2,571 SH   SOLE   2,571 0 0
CISCO SYS INC COM 17275R102   299,460 6,000 SH   SOLE   6,000 0 0
CVS HEALTH CORP COM 126650100   430,704 5,400 SH   SOLE   5,400 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   402,410 4,161 SH   SOLE   4,161 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   778,004 8,142 SH   SOLE   8,142 0 0
EXXON MOBIL CORP COM 30231G102   348,604 2,999 SH   SOLE   2,999 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   206,750 1,992 SH   SOLE   1,992 0 0
HONEYWELL INTL INC COM 438516106   220,644 1,075 SH   SOLE   1,075 0 0
INTEL CORP COM 458140100   344,659 7,803 SH   SOLE   7,803 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,734,657 10,663 SH   SOLE   10,663 0 0
ISHARES GOLD TR ISHARES NEW 464285204   11,148,236 265,371 SH   SOLE   265,371 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   731,685 22,702 SH   SOLE   22,702 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   353,920 7,000 SH   SOLE   7,000 0 0
ISHARES TR COHEN STEER REIT 464287564   1,202,180 20,835 SH   SOLE   20,835 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   13,028,916 191,997 SH   SOLE   191,997 0 0
ISHARES TR CORE S&P SCP ETF 464287804   744,463 6,736 SH   SOLE   6,736 0 0
ISHARES TR CORE S&P US GWT 464287671   1,641,995 14,009 SH   SOLE   14,009 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,072,148 2,039 SH   SOLE   2,039 0 0
ISHARES TR CORE TOTAL USD 46434V613   4,271,086 93,685 SH   SOLE   93,685 0 0
ISHARES TR CORE US AGGBD ET 464287226   237,896 2,429 SH   SOLE   2,429 0 0
ISHARES TR EAFE GRWTH ETF 464288885   293,933 2,832 SH   SOLE   2,832 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,505,345 18,838 SH   SOLE   18,838 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   2,125,151 18,486 SH   SOLE   18,486 0 0
ISHARES TR EXPND TEC SC ETF 464287549   6,534,446 75,823 SH   SOLE   75,823 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   324,618 23,220 SH   SOLE   23,220 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   1,925,876 20,675 SH   SOLE   20,675 0 0
ISHARES TR ISHARES BIOTECH 464287556   1,725,816 12,577 SH   SOLE   12,577 0 0
ISHARES TR ISHARES SEMICDTR 464287523   370,735 1,641 SH   SOLE   1,641 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   918,732 17,916 SH   SOLE   17,916 0 0
ISHARES TR JPMORGAN USD EMG 464288281   605,631 6,754 SH   SOLE   6,754 0 0
ISHARES TR MSCI KLD400 SOC 464288570   1,723,344 17,095 SH   SOLE   17,095 0 0
ISHARES TR MSCI USA ESG SLC 464288802   344,322 3,154 SH   SOLE   3,154 0 0
ISHARES TR MSCI USA MMENTM 46432F396   604,391 3,226 SH   SOLE   3,226 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   558,461 3,398 SH   SOLE   3,398 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,892,792 17,591 SH   SOLE   17,591 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   9,704,522 28,793 SH   SOLE   28,793 0 0
ISHARES TR RUS MD CP GR ETF 464287481   408,621 3,580 SH   SOLE   3,580 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,785,249 13,656 SH   SOLE   13,656 0 0
ISHARES TR SELECT DIVID ETF 464287168   8,530,913 69,256 SH   SOLE   69,256 0 0
ISHARES TR SHORT TREAS BD 464288679   15,770,459 142,667 SH   SOLE   142,667 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   994,935 9,500 SH   SOLE   9,500 0 0
JOHNSON & JOHNSON COM 478160104   1,324,999 8,376 SH   SOLE   8,376 0 0
JPMORGAN CHASE & CO COM 46625H100   276,013 1,378 SH   SOLE   1,378 0 0
LOCKHEED MARTIN CORP COM 539830109   227,435 500 SH   SOLE   500 0 0
MEDTRONIC PLC SHS G5960L103   236,874 2,718 SH   SOLE   2,718 0 0
MERCK & CO INC COM 58933Y105   379,884 2,879 SH   SOLE   2,879 0 0
MICROSOFT CORP COM 594918104   2,431,708 5,780 SH   SOLE   5,780 0 0
NESTLE S A F SPONSORED ADR 1 ADR REPS 1 ORD SHS COMMON 641069406   240,543 2,265 SH   SOLE   2,265 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   553,335 7,254 SH   SOLE   7,254 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   508,521 12,227 SH   SOLE   12,227 0 0
PEPSICO INC COM 713448108   408,648 2,335 SH   SOLE   2,335 0 0
PHILIP MORRIS INTL INC COM 718172109   787,932 8,600 SH   SOLE   8,600 0 0
PROCTER AND GAMBLE CO COM 742718109   653,868 4,030 SH   SOLE   4,030 0 0
PUBLIC STORAGE COM 74460D109   217,545 750 SH   SOLE   750 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   260,704 6,681 SH   SOLE   6,681 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   236,279 6,600 SH   SOLE   6,600 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   301,795 6,260 SH   SOLE   6,260 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,418,954 42,403 SH   SOLE   42,403 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   334,905 3,612 SH   SOLE   3,612 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,025,778 38,838 SH   SOLE   38,838 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   273,301 1,850 SH   SOLE   1,850 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   315,737 1,516 SH   SOLE   1,516 0 0
SOUTHERN CO COM 842587107   1,011,534 14,100 SH   SOLE   14,100 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,505,870 7,320 SH   SOLE   7,320 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,295,802 4,389 SH   SOLE   4,389 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   267,893 2,814 SH   SOLE   2,814 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   231,210 9,000 SH   SOLE   9,000 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,301,061 2,630 SH   SOLE   2,630 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   454,824 14,384 SH   SOLE   14,384 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,283,218 43,544 SH   SOLE   43,544 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,615,920 22,341 SH   SOLE   22,341 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   9,123,604 118,998 SH   SOLE   118,998 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,721,126 202,802 SH   SOLE   202,802 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   347,232 7,059 SH   SOLE   7,059 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   80,617,111 234,354 SH   SOLE   234,354 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   559,360 2,333 SH   SOLE   2,333 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,806,373 11,902 SH   SOLE   11,902 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,121,214 20,019 SH   SOLE   20,019 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   3,764,592 15,067 SH   SOLE   15,067 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,721,080 43,049 SH   SOLE   43,049 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,658,689 15,932 SH   SOLE   15,932 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,072,220 31,674 SH   SOLE   31,674 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,394,421 23,599 SH   SOLE   23,599 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,622,195 10,089 SH   SOLE   10,089 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   15,595,959 96,081 SH   SOLE   96,081 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,252,764 21,360 SH   SOLE   21,360 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,394,148 57,317 SH   SOLE   57,317 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   836,363 12,420 SH   SOLE   12,420 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   446,184 5,869 SH   SOLE   5,869 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,545,862 94,923 SH   SOLE   94,923 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,396,459 27,598 SH   SOLE   27,598 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   13,691,118 170,055 SH   SOLE   170,055 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,324,178 80,841 SH   SOLE   80,841 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   4,265,532 73,455 SH   SOLE   73,455 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   22,679,260 293,393 SH   SOLE   293,393 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   10,361,564 56,741 SH   SOLE   56,741 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   30,214,994 501,329 SH   SOLE   501,329 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,455,933 29,020 SH   SOLE   29,020 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   655,356 10,264 SH   SOLE   10,264 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   48,427,116 400,257 SH   SOLE   400,257 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884   1,365,926 10,409 SH   SOLE   10,409 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   1,494,428 4,703 SH   SOLE   4,703 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   4,374,398 76,116 SH   SOLE   76,116 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   3,778,195 40,545 SH   SOLE   40,545 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405   342,699 3,347 SH   SOLE   3,347 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   7,455,802 27,561 SH   SOLE   27,561 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   21,023,734 40,126 SH   SOLE   40,126 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   957,564 3,341 SH   SOLE   3,341 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876   376,988 2,644 SH   SOLE   2,644 0 0
WALMART INC COM 931142103   1,213,388 20,166 SH   SOLE   20,166 0 0