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
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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
AMAZON COM INC COM 023135106   582,987 5,489 SH   SOLE 0 0 0 5,489
APPLE INC COM 037833100   1,972,784 14,429 SH   SOLE 0 0 0 14,429
BALL CORP COM 058498106   311,460 4,529 SH   SOLE 0 0 0 4,529
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,051,127 3,850 SH   SOLE 0 0 0 3,850
CUMMINS INC COM 231021106   260,171 1,344 SH   SOLE 0 0 0 1,344
DBX ETF TR XTRACK MUN INFRA 233051705   260,024 10,468 SH   SOLE 0 0 0 10,468
HOME DEPOT INC COM 437076102   224,292 818 SH   SOLE 0 0 0 818
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882   2,007,033 94,716 SH   SOLE 0 0 0 94,716
INVESCO QQQ TR UNIT SER 1 46090E103   6,443,111 22,988 SH   SOLE 0 0 0 22,988
ISHARES INC MSCI GBL MIN VOL 464286525   6,946,942 73,513 SH   SOLE 0 0 0 73,513
ISHARES TR MSCI USA MIN VOL 46429B697   7,690,356 109,534 SH   SOLE 0 0 0 109,534
ISHARES TR MSCI USA MMENTM 46432F396   6,654,711 48,799 SH   SOLE 0 0 0 48,799
ISHARES TR 0-5YR HI YL CP 46434V407   8,797,756 216,961 SH   SOLE 0 0 0 216,961
ISHARES TR MSCI LW CRB TG 46434V464   230,143 1,682 SH   SOLE 0 0 0 1,682
ISHARES TR MSCI GBL SUS DEV 46435G532   292,554 3,662 SH   SOLE 0 0 0 3,662
ISHARES TR ESG AWR MSCI USA 46435G425   860,147 10,252 SH   SOLE 0 0 0 10,252
ISHARES TR ESG AWR US AGRGT 46435U549   906,794 18,529 SH   SOLE 0 0 0 18,529
ISHARES TR USD GRN BOND ETF 46435U440   304,408 6,374 SH   SOLE 0 0 0 6,374
ISHARES TR RUS 1000 ETF 464287622   340,694 1,640 SH   SOLE 0 0 0 1,640
ISHARES TR RUS 1000 GRW ETF 464287614   448,725 2,052 SH   SOLE 0 0 0 2,052
ISHARES TR RUSSELL 2000 ETF 464287655   263,526 1,556 SH   SOLE 0 0 0 1,556
ISHARES TR RUSSELL 3000 ETF 464287689   1,093,298 5,029 SH   SOLE 0 0 0 5,029
ISHARES TR RUS MD CP GR ETF 464287481   224,336 2,832 SH   SOLE 0 0 0 2,832
ISHARES TR RUS MDCP VAL ETF 464287473   221,491 2,181 SH   SOLE 0 0 0 2,181
ISHARES TR PFD AND INCM SEC 464288687   331,975 10,097 SH   SOLE 0 0 0 10,097
ISHARES TR SHRT NAT MUN ETF 464288158   279,373 2,669 SH   SOLE 0 0 0 2,669
JOHNSON & JOHNSON COM 478160104   331,569 1,868 SH   SOLE 0 0 0 1,868
JPMORGAN CHASE & CO COM 46625H100   433,075 3,846 SH   SOLE 0 0 0 3,846
LILLY ELI & CO COM 532457108   201,189 621 SH   SOLE 0 0 0 621
META PLATFORMS INC CL A 30303M102   237,683 1,474 SH   SOLE 0 0 0 1,474
MICROSOFT CORP COM 594918104   490,298 1,909 SH   SOLE 0 0 0 1,909
ORACLE CORP COM 68389X105   222,706 3,187 SH   SOLE 0 0 0 3,187
PROCTER AND GAMBLE CO COM 742718109   621,244 4,320 SH   SOLE 0 0 0 4,320
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   8,886,368 185,635 SH   SOLE 0 0 0 185,635
SPDR S&P 500 ETF TR TR UNIT 78462F103   216,255 573 SH   SOLE 0 0 0 573
SPDR SER TR NUVEEN BLOOMBERG 78464A284   260,688 5,074 SH   SOLE 0 0 0 5,074
SPDR SER TR BLOOMBERG HIGH Y 78468R622   342,599 3,777 SH   SOLE 0 0 0 3,777
SPDR SER TR SSGA GNDER ETF 78468R747   224,503 2,956 SH   SOLE 0 0 0 2,956
TESLA INC COM 88160R101   232,330 345 SH   SOLE 0 0 0 345
THERMO FISHER SCIENTIFIC INC COM 883556102   218,433 402 SH   SOLE 0 0 0 402
UNITEDHEALTH GROUP INC COM 91324P102   312,584 609 SH   SOLE 0 0 0 609
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   410,783 5,458 SH   SOLE 0 0 0 5,458
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,767,225 13,743 SH   SOLE 0 0 0 13,743
VANGUARD INDEX FDS VALUE ETF 922908744   791,357 6,001 SH   SOLE 0 0 0 6,001
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   354,251 3,888 SH   SOLE 0 0 0 3,888
VANGUARD INDEX FDS GROWTH ETF 922908736   790,815 3,548 SH   SOLE 0 0 0 3,548
VANGUARD INDEX FDS TOTAL STK MKT 922908769   322,920 1,712 SH   SOLE 0 0 0 1,712
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   10,758,482 215,514 SH   SOLE 0 0 0 215,514
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,364,649 51,332 SH   SOLE 0 0 0 51,332
VANGUARD STAR FDS VG TL INTL STK F 921909768   286,822 5,557 SH   SOLE 0 0 0 5,557
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   433,690 4,264 SH   SOLE 0 0 0 4,264
VANGUARD WORLD FD ESG INTL STK ETF 921910725   273,863 5,584 SH   SOLE 0 0 0 5,584
WATERS CORP COM 941848103   286,960 867 SH   SOLE 0 0 0 867