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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   331,440 1,866 SH   SOLE 0 0 0 1,866
ADOBE SYSTEMS INCORPORATED COM 00724F101   234,763 414 SH   SOLE 0 0 0 414
AMAZON COM INC COM 023135106   776,901 233 SH   SOLE 0 0 0 233
APPLE INC COM 037833100   2,481,195 13,973 SH   SOLE 0 0 0 13,973
BALL CORP COM 058498106   433,691 4,505 SH   SOLE 0 0 0 4,505
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,132,612 3,788 SH   SOLE 0 0 0 3,788
CUMMINS INC COM 231021106   289,187 1,326 SH   SOLE 0 0 0 1,326
DBX ETF TR XTRACK MUN INFRA 233051705   362,273 12,381 SH   SOLE 0 0 0 12,381
HOME DEPOT INC COM 437076102   249,006 600 SH   SOLE 0 0 0 600
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882   1,992,266 93,140 SH   SOLE 0 0 0 93,140
INVESCO QQQ TR UNIT SER 1 46090E103   9,802,717 24,639 SH   SOLE 0 0 0 24,639
ISHARES INC MSCI GBL MIN VOL 464286525   8,252,055 76,210 SH   SOLE 0 0 0 76,210
ISHARES TR MSCI USA MMENTM 46432F396   8,630,299 47,466 SH   SOLE 0 0 0 47,466
ISHARES TR MSCI GBL SUS DEV 46435G532   374,642 4,128 SH   SOLE 0 0 0 4,128
ISHARES TR ESG AWR MSCI USA 46435G425   1,406,775 13,038 SH   SOLE 0 0 0 13,038
ISHARES TR ESG AWR US AGRGT 46435U549   6,570,815 119,036 SH   SOLE 0 0 0 119,036
ISHARES TR GBL GREEN ETF 46435U440   6,590,124 121,455 SH   SOLE 0 0 0 121,455
ISHARES TR 0-5YR HI YL CP 46434V407   269,699 5,954 SH   SOLE 0 0 0 5,954
ISHARES TR MSCI LW CRB TG 46434V464   342,134 1,967 SH   SOLE 0 0 0 1,967
ISHARES TR MSCI USA MIN VOL 46429B697   10,516,438 129,993 SH   SOLE 0 0 0 129,993
ISHARES TR RUS 1000 ETF 464287622   430,979 1,630 SH   SOLE 0 0 0 1,630
ISHARES TR RUS 1000 GRW ETF 464287614   624,949 2,045 SH   SOLE 0 0 0 2,045
ISHARES TR RUSSELL 2000 ETF 464287655   344,439 1,548 SH   SOLE 0 0 0 1,548
ISHARES TR RUSSELL 3000 ETF 464287689   394,005 1,420 SH   SOLE 0 0 0 1,420
ISHARES TR RUS MD CP GR ETF 464287481   325,391 2,824 SH   SOLE 0 0 0 2,824
ISHARES TR RUS MDCP VAL ETF 464287473   264,847 2,164 SH   SOLE 0 0 0 2,164
ISHARES TR PFD AND INCM SEC 464288687   406,332 10,305 SH   SOLE 0 0 0 10,305
ISHARES TR SHRT NAT MUN ETF 464288158   296,102 2,758 SH   SOLE 0 0 0 2,758
JOHNSON & JOHNSON COM 478160104   240,840 1,408 SH   SOLE 0 0 0 1,408
JPMORGAN CHASE & CO COM 46625H100   278,627 1,760 SH   SOLE 0 0 0 1,760
LILLY ELI & CO COM 532457108   280,690 1,016 SH   SOLE 0 0 0 1,016
META PLATFORMS INC CL A 30303M102   296,324 881 SH   SOLE 0 0 0 881
MICROSOFT CORP COM 594918104   540,500 1,607 SH   SOLE 0 0 0 1,607
ORACLE CORP COM 68389X105   275,793 3,162 SH   SOLE 0 0 0 3,162
PACER FDS TR TRENDP 100 ETF 69374H303   5,535,459 93,869 SH   SOLE 0 0 0 93,869
PROCTER AND GAMBLE CO COM 742718109   681,444 4,166 SH   SOLE 0 0 0 4,166
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   264,390 2,340 SH   SOLE 0 0 0 2,340
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   4,294,429 76,495 SH   SOLE 0 0 0 76,495
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   18,000,175 333,955 SH   SOLE 0 0 0 333,955
SPDR S&P 500 ETF TR TR UNIT 78462F103   269,913 568 SH   SOLE 0 0 0 568
SPDR SER TR BLOOMBERG HIGH Y 78468R622   419,006 3,859 SH   SOLE 0 0 0 3,859
SPDR SER TR NUVEEN BLOOMBERG 78464A284   365,962 6,091 SH   SOLE 0 0 0 6,091
SPDR SER TR SSGA GNDER ETF 78468R747   333,651 3,264 SH   SOLE 0 0 0 3,264
TESLA INC COM 88160R101   291,671 276 SH   SOLE 0 0 0 276
THERMO FISHER SCIENTIFIC INC COM 883556102   268,013 402 SH   SOLE 0 0 0 402
UNITEDHEALTH GROUP INC COM 91324P102   277,212 552 SH   SOLE 0 0 0 552
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   415,457 4,902 SH   SOLE 0 0 0 4,902
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   520,884 4,490 SH   SOLE 0 0 0 4,490
VANGUARD INDEX FDS TOTAL STK MKT 922908769   516,149 2,138 SH   SOLE 0 0 0 2,138
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   441,417 1,011 SH   SOLE 0 0 0 1,011
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,296,857 23,618 SH   SOLE 0 0 0 23,618
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   9,334,120 54,347 SH   SOLE 0 0 0 54,347
VANGUARD STAR FDS VG TL INTL STK F 921909768   371,158 5,839 SH   SOLE 0 0 0 5,839
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   457,743 4,083 SH   SOLE 0 0 0 4,083
VANGUARD WORLD FD ESG INTL STK ETF 921910725   408,740 6,590 SH   SOLE 0 0 0 6,590
VISA INC COM CL A 92826C839   243,491 1,124 SH   SOLE 0 0 0 1,124
WATERS CORP COM 941848103   323,044 867 SH   SOLE 0 0 0 867