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 USA MIN VOL 46429B697 68,555 1,042,655 SH   SOLE   0 0 1,042,655
ISHARES TR MSCI ACWI EXUS 46435G847 43,354 1,611,682 SH   SOLE   0 0 1,611,682
ISHARES TR MSCI USA QLT FCT 46432F339 34,320 329,053 SH   SOLE   0 0 329,053
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 33,681 877,794 SH   SOLE   0 0 877,794
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 32,729 595,830 SH   SOLE   0 0 595,830
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 10,908 184,479 SH   SOLE   0 0 184,479
MICROSOFT CORP COM 594918104 4,835 21,418 SH   SOLE   0 0 21,418
ISHARES TR ESG AWR MSCI USA 46435G425 4,406 55,617 SH   SOLE   0 0 55,617
ISHARES TR CONSER ALLOC ETF 464289883 4,372 135,013 SH   SOLE   0 0 135,013
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,593 85,045 SH   SOLE   0 0 85,045
APPLE INC COM 037833100 3,429 24,786 SH   SOLE   0 0 24,786
ISHARES TR RUSSELL 2000 ETF 464287655 3,328 19,895 SH   SOLE   0 0 19,895
ISHARES TR HDG MSCI EAFE 46434V803 2,922 96,931 SH   SOLE   0 0 96,931
ISHARES TR RUS 1000 GRW ETF 464287614 2,730 13,101 SH   SOLE   0 0 13,101
EXXON MOBIL CORP COM 30231G102 2,307 23,437 SH   SOLE   0 0 23,437
ALPHABET INC CAP STK CL C 02079K107 2,220 22,581 SH   SOLE   0 0 22,581
ISHARES TR ESG AWARE MSCI 46435U663 2,045 65,734 SH   SOLE   0 0 65,734
ISHARES TR ESG AW MSCI EAFE 46435G516 1,942 34,781 SH   SOLE   0 0 34,781
INVESCO QQQ TR UNIT SER 1 46090E103 1,732 6,595 SH   SOLE   0 0 6,595
ISHARES TR CORE S&P500 ETF 464287200 1,381 3,857 SH   SOLE   0 0 3,857
JOHNSON & JOHNSON COM 478160104 1,338 8,225 SH   SOLE   0 0 8,225
AMAZON COM INC COM 023135106 1,058 9,372 SH   SOLE   0 0 9,372
PROCTER AND GAMBLE CO COM 742718109 899 7,223 SH   SOLE   0 0 7,223
MCDONALDS CORP COM 580135101 796 3,358 SH   SOLE   0 0 3,358
ISHARES INC MSCI GBL MIN VOL 464286525 792 8,997 SH   SOLE   0 0 8,997
ALPHABET INC CAP STK CL A 02079K305 780 8,000 SH   SOLE   0 0 8,000
ANALOG DEVICES INC COM 032654105 740 5,339 SH   SOLE   0 0 5,339
ABBVIE INC COM 00287Y109 681 4,868 SH   SOLE   0 0 4,868
VERIZON COMMUNICATIONS INC COM 92343V104 618 17,325 SH   SOLE   0 0 17,325
ISHARES TR CORE S&P SCP ETF 464287804 584 6,556 SH   SOLE   0 0 6,556
HOME DEPOT INC COM 437076102 579 2,066 SH   SOLE   0 0 2,066
LOWES COS INC COM 548661107 506 2,611 SH   SOLE   0 0 2,611
CHEVRON CORP NEW COM 166764100 502 3,187 SH   SOLE   0 0 3,187
ISHARES TR MSCI ACWI EX US 464288240 495 12,471 SH   SOLE   0 0 12,471
AUTOMATIC DATA PROCESSING IN COM 053015103 492 2,194 SH   SOLE   0 0 2,194
INTEL CORP COM 458140100 492 19,418 SH   SOLE   0 0 19,418
RAYTHEON TECHNOLOGIES CORP COM 75513E101 489 5,888 SH   SOLE   0 0 5,888
UNION PAC CORP COM 907818108 482 2,509 SH   SOLE   0 0 2,509
ABBOTT LABS COM 002824100 479 4,784 SH   SOLE   0 0 4,784
PEPSICO INC COM 713448108 460 2,717 SH   SOLE   0 0 2,717
MORGAN STANLEY COM NEW 617446448 428 5,590 SH   SOLE   0 0 5,590
JPMORGAN CHASE & CO COM 46625H100 422 4,076 SH   SOLE   0 0 4,076
STRYKER CORPORATION COM 863667101 410 1,964 SH   SOLE   0 0 1,964
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 410 1,252 SH   SOLE   0 0 1,252
BRISTOL-MYERS SQUIBB CO COM 110122108 385 5,558 SH   SOLE   0 0 5,558
AMGEN INC COM 031162100 372 1,509 SH   SOLE   0 0 1,509
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 345 1,306 SH   SOLE   0 0 1,306
COLGATE PALMOLIVE CO COM 194162103 344 4,973 SH   SOLE   0 0 4,973
SPDR S&P 500 ETF TR TR UNIT 78462F103 338 949 SH   SOLE   0 0 949
BK OF AMERICA CORP COM 060505104 336 11,263 SH   SOLE   0 0 11,263
AT&T INC COM 00206R102 330 22,529 SH   SOLE   0 0 22,529
ISHARES TR RUS 1000 VAL ETF 464287598 314 2,298 SH   SOLE   0 0 2,298
AMERICAN EXPRESS CO COM 025816109 306 2,240 SH   SOLE   0 0 2,240
CSX CORP COM 126408103 301 11,289 SH   SOLE   0 0 11,289
BECTON DICKINSON & CO COM 075887109 300 1,359 SH   SOLE   0 0 1,359
MERCK & CO INC COM 58933Y105 275 3,046 SH   SOLE   0 0 3,046
ISHARES TR ISHARES BIOTECH 464287556 269 2,262 SH   SOLE   0 0 2,262
3M CO COM 88579Y101 259 2,381 SH   SOLE   0 0 2,381
PFIZER INC COM 717081103 254 6,045 SH   SOLE   0 0 6,045
VANGUARD INDEX FDS TOTAL STK MKT 922908769 250 1,394 SH   SOLE   0 0 1,394
ISHARES TR MSCI EAFE ETF 464287465 247 4,425 SH   SOLE   0 0 4,425
CISCO SYS INC COM 17275R102 244 6,209 SH   SOLE   0 0 6,209
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 222 1,347 SH   SOLE   0 0 1,347
NEXTERA ENERGY INC COM 65339F101 222 3,052 SH   SOLE   0 0 3,052
COCA COLA CO COM 191216100 219 3,978 SH   SOLE   0 0 3,978
WALMART INC COM 931142103 215 1,641 SH   SOLE   0 0 1,641
PARKER-HANNIFIN CORP COM 701094104 214 847 SH   SOLE   0 0 847
ISHARES TR EXPANDED TECH 464287515 211 860 SH   SOLE   0 0 860
LAM RESEARCH CORP COM 512807108 211 650 SH   SOLE   0 0 650
EASTGROUP PPTYS INC COM 277276101 209 1,473 SH   SOLE   0 0 1,473
HONEYWELL INTL INC COM 438516106 208 1,204 SH   SOLE   0 0 1,204
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 205 700 SH   SOLE   0 0 700
TESLA INC COM 88160R101 204 939 SH   SOLE   0 0 939
INNOVATIVE SOLUTIONS & SUPPO COM 45769N105 87 10,200 SH   SOLE   0 0 10,200
APPHARVEST INC COM 03783T103 26 15,000 SH   SOLE   0 0 15,000
VERASTEM INC COM 92337C104 12 29,900 SH   SOLE   0 0 29,900