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 MSCI MIN VOL ETF 46429B697 54,477 898,508 SH   SOLE   0 0 898,508
ISHARES TR MSCI ACWI EXUS 46435G847 35,072 1,357,794 SH   SOLE   0 0 1,357,794
ISHARES TR MIN VOL EAFE ETF 46429B689 28,835 436,491 SH   SOLE   0 0 436,491
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 15,965 244,345 SH   SOLE   0 0 244,345
MICROSOFT CORP COM 594918104 3,998 19,646 SH   SOLE   0 0 19,646
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,604 48,636 SH   SOLE   0 0 48,636
ISHARES TR HDG MSCI EAFE 46434V803 3,153 114,265 SH   SOLE   0 0 114,265
ISHARES TR RUSSELL 2000 ETF 464287655 2,957 20,650 SH   SOLE   0 0 20,650
ISHARES TR RUS 1000 GRW ETF 464287614 2,461 12,819 SH   SOLE   0 0 12,819
APPLE INC COM 037833100 2,115 5,799 SH   SOLE   0 0 5,799
ISHARES TR ULTR SH TRM BD 46434V878 1,828 36,162 SH   SOLE   0 0 36,162
ISHARES TR ESG MSCI EAFE 46435G516 1,752 28,926 SH   SOLE   0 0 28,926
EXXON MOBIL CORP COM 30231G102 1,135 25,379 SH   SOLE   0 0 25,379
ALPHABET INC CAP STK CL C 02079K107 1,076 761 SH   SOLE   0 0 761
JOHNSON & JOHNSON COM 478160104 1,058 7,521 SH   SOLE   0 0 7,521
ISHARES INC MIN VOL GBL ETF 464286525 916 10,454 SH   SOLE   0 0 10,454
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 727 7,155 SH   SOLE   0 0 7,155
VERIZON COMMUNICATIONS INC COM 92343V104 715 12,967 SH   SOLE   0 0 12,967
ISHARES TR CORE 1 5 YR USD 46432F859 697 13,534 SH   SOLE   0 0 13,534
AMAZON COM INC COM 023135106 673 244 SH   SOLE   0 0 244
ANALOG DEVICES INC COM 032654105 672 5,478 SH   SOLE   0 0 5,478
ISHARES TR CORE S&P500 ETF 464287200 627 2,023 SH   SOLE   0 0 2,023
PROCTER AND GAMBLE CO COM 742718109 622 5,206 SH   SOLE   0 0 5,206
BECTON DICKINSON & CO COM 075887109 618 2,582 SH   SOLE   0 0 2,582
AT&T INC COM 00206R102 583 19,296 SH   SOLE   0 0 19,296
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 559 10,333 SH   SOLE   0 0 10,333
INTEL CORP COM 458140100 554 9,258 SH   SOLE   0 0 9,258
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 551 11,005 SH   SOLE   0 0 11,005
ALPHABET INC CAP STK CL A 02079K305 539 380 SH   SOLE   0 0 380
HOME DEPOT INC COM 437076102 527 2,106 SH   SOLE   0 0 2,106
ISHARES TR MSCI EAFE ETF 464287465 506 8,320 SH   SOLE   0 0 8,320
ABBVIE INC COM 00287Y109 452 4,601 SH   SOLE   0 0 4,601
ABBOTT LABS COM 002824100 437 4,783 SH   SOLE   0 0 4,783
UNION PAC CORP COM 907818108 432 2,554 SH   SOLE   0 0 2,554
AMGEN INC COM 031162100 423 1,794 SH   SOLE   0 0 1,794
ISHARES TR CORE S&P SCP ETF 464287804 417 6,108 SH   SOLE   0 0 6,108
COLGATE PALMOLIVE CO COM 194162103 416 5,680 SH   SOLE   0 0 5,680
ISHARES TR MSCI ACWI EX US 464288240 390 9,016 SH   SOLE   0 0 9,016
3M CO COM 88579Y101 359 2,300 SH   SOLE   0 0 2,300
RAYTHEON TECHNOLOGIES CORP COM 755111507 358 5,804 SH   SOLE   0 0 5,804
STRYKER CORPORATION COM 863667101 354 1,964 SH   SOLE   0 0 1,964
TORONTO DOMINION BK ONT COM NEW 891160509 351 7,866 SH   SOLE   0 0 7,866
LOWES COS INC COM 548661107 346 2,558 SH   SOLE   0 0 2,558
MCDONALDS CORP COM 580135101 339 1,840 SH   SOLE   0 0 1,840
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 325 1,146 SH   SOLE   0 0 1,146
AUTOMATIC DATA PROCESSING IN COM 053015103 315 2,114 SH   SOLE   0 0 2,114
ISHARES TR NASDAQ BIOTECH 464287556 311 2,277 SH   SOLE   0 0 2,277
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 308 13,591 SH   SOLE   0 0 13,591
FULGENT GENETICS INC COM 359664109 304 19,000 SH   SOLE   0 0 19,000
BK OF AMERICA CORP COM 060505104 300 12,634 SH   SOLE   0 0 12,634
PEPSICO INC COM 713448108 293 2,215 SH   SOLE   0 0 2,215
BALL CORP COM 058498106 270 3,883 SH   SOLE   0 0 3,883
CHEVRON CORP NEW COM 166764100 256 2,869 SH   SOLE   0 0 2,869
CSX CORP COM 126408103 253 3,631 SH   SOLE   0 0 3,631
STANLEY BLACK & DECKER INC COM 854502101 248 1,776 SH   SOLE   0 0 1,776
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 247 1,381 SH   SOLE   0 0 1,381
ORACLE CORP COM 68389X105 242 4,382 SH   SOLE   0 0 4,382
ISHARES TR EDGE MSCI MINM 46435G433 241 8,310 SH   SOLE   0 0 8,310
BRISTOL-MYERS SQUIBB CO COM 110122108 239 4,073 SH   SOLE   0 0 4,073
ISHARES TR RUS 1000 VAL ETF 464287598 232 2,063 SH   SOLE   0 0 2,063
JPMORGAN CHASE & CO COM 46625H100 229 2,438 SH   SOLE   0 0 2,438
DISNEY WALT CO COM DISNEY 254687106 226 2,029 SH   SOLE   0 0 2,029