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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 872 6,309 SH   SOLE   0 0 6,309
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 400 1,499 SH   SOLE   0 0 1,499
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 8,639 361,154 SH   SOLE   0 0 361,154
ISHARES TR S&P 500 GRWT ETF 464287309 257 4,436 SH   SOLE   0 0 4,436
ISHARES TR ISHS 1-5YR INVS 464288646 488 9,899 SH   SOLE   0 0 9,899
ISHARES TR CORE MSCI EAFE 46432F842 441 8,364 SH   SOLE   0 0 8,364
ISHARES TR CORE MSCI TOTAL 46432F834 273 5,368 SH   SOLE   0 0 5,368
ISHARES TR CORE S&P MCP ETF 464287507 29,847 136,126 SH   SOLE   0 0 136,126
ISHARES TR CORE S&P SCP ETF 464287804 14,032 160,937 SH   SOLE   0 0 160,937
ISHARES TR CORE S&P TTL STK 464287150 526 6,607 SH   SOLE   0 0 6,607
ISHARES TR CORE S&P500 ETF 464287200 5,890 16,421 SH   SOLE   0 0 16,421
ISHARES TR CORE US AGGBD ET 464287226 524 5,444 SH   SOLE   0 0 5,444
ISHARES TR ESG AWRE 1 5 YR 46435G243 321 13,683 SH   SOLE   0 0 13,683
ISHARES TR ESG AW MSCI EAFE 46435G516 253 4,510 SH   SOLE   0 0 4,510
ISHARES TR ESG AWARE MSCI 46435U663 276 8,985 SH   SOLE   0 0 8,985
ISHARES TR ESG AWR US AGRGT 46435U549 436 9,392 SH   SOLE   0 0 9,392
ISHARES TR IBOXX INV CP ETF 464287242 207 2,022 SH   SOLE   0 0 2,022
ISHARES TR MRGSTR MD CP ETF 464288208 558 10,363 SH   SOLE   0 0 10,363
ISHARES TR MSCI EAFE ETF 464287465 441 7,870 SH   SOLE   0 0 7,870
LOCKHEED MARTIN CORP COM 539830109 386 1,000 SH   SOLE   0 0 1,000
MARSH & MCLENNAN COS INC COM 571748102 523 3,500 SH   SOLE   0 0 3,500
MICROSOFT CORP COM 594918104 286 1,227 SH   SOLE   0 0 1,227
SPDR SER TR PORTFOLIO AGRGTE 78464A649 16,724 670,291 SH   SOLE   0 0 670,291
SPDR SER TR PORTFOLIO LN COR 78464A367 803 36,898 SH   SOLE   0 0 36,898
SPDR SER TR PORTFOLIO S&P400 78464A847 1,554 40,299 SH   SOLE   0 0 40,299
SPDR SER TR PORTFOLIO S&P500 78464A854 1,831 43,600 SH   SOLE   0 0 43,600
SPDR SER TR PRTFLO S&P500 GW 78464A409 22,682 452,730 SH   SOLE   0 0 452,730
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 29,264 1,134,252 SH   SOLE   0 0 1,134,252
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 6,595 212,477 SH   SOLE   0 0 212,477
SPDR SER TR PORTFOLIO INTRMD 78464A375 10,133 323,524 SH   SOLE   0 0 323,524
SPDR SER TR PORTFOLIO SHORT 78464A474 6,174 211,300 SH   SOLE   0 0 211,300
VANGUARD WORLD FD ESG US STK ETF 921910733 620 9,861 SH   SOLE   0 0 9,861
VANGUARD INDEX FDS GROWTH ETF 922908736 1,124 5,252 SH   SOLE   0 0 5,252
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 366 5,133 SH   SOLE   0 0 5,133
VANGUARD INDEX FDS VALUE ETF 922908744 24,423 197,788 SH   SOLE   0 0 197,788
VISA INC COM CL A 92826C839 512 2,880 SH   SOLE   0 0 2,880