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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   458,303 4,526 SH   SOLE   0 0 4,526
AMAZON COM INC COM 023135106   1,057,793 10,241 SH   SOLE   0 0 10,241
AMERICAN EXPRESS CO COM 025816109   320,003 1,940 SH   SOLE   0 0 1,940
AMGEN INC COM 031162100   300,495 1,243 SH   SOLE   0 0 1,243
ANALOG DEVICES INC COM 032654105   1,044,477 5,296 SH   SOLE   0 0 5,296
APPLE INC COM 037833100   4,211,245 25,538 SH   SOLE   0 0 25,538
AUTOMATIC DATA PROCESSING IN COM 053015103   481,994 2,165 SH   SOLE   0 0 2,165
BANK AMERICA CORP COM 060505104   249,592 8,727 SH   SOLE   0 0 8,727
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   439,071 1,422 SH   SOLE   0 0 1,422
BRISTOL-MYERS SQUIBB CO COM 110122108   338,086 4,878 SH   SOLE   0 0 4,878
CSX CORP COM 126408103   337,993 11,289 SH   SOLE   0 0 11,289
CHEVRON CORP NEW COM 166764100   454,504 2,786 SH   SOLE   0 0 2,786
COCA COLA CO COM 191216100   246,741 3,978 SH   SOLE   0 0 3,978
COLGATE PALMOLIVE CO COM 194162103   371,055 4,938 SH   SOLE   0 0 4,938
DISNEY WALT CO COM 254687106   210,373 2,101 SH   SOLE   0 0 2,101
EASTGROUP PPTYS INC COM 277276101   243,516 1,473 SH   SOLE   0 0 1,473
HOME DEPOT INC COM 437076102   569,582 1,930 SH   SOLE   0 0 1,930
HONEYWELL INTL INC COM 438516106   230,149 1,204 SH   SOLE   0 0 1,204
INTEL CORP COM 458140100   631,511 19,330 SH   SOLE   0 0 19,330
INTERNATIONAL BUSINESS MACHS COM 459200101   200,437 1,529 SH   SOLE   0 0 1,529
ISHARES INC MSCI GBL MIN VOL 464286525   1,648,233 17,036 SH   SOLE   0 0 17,036
ISHARES TR CORE S&P500 ETF 464287200   972,204 2,365 SH   SOLE   0 0 2,365
ISHARES TR MSCI EAFE ETF 464287465   215,347 3,011 SH   SOLE   0 0 3,011
ISHARES TR EXPANDED TECH 464287515   262,042 860 SH   SOLE   0 0 860
ISHARES TR ISHARES BIOTECH 464287556   228,160 1,766 SH   SOLE   0 0 1,766
ISHARES TR RUS 1000 VAL ETF 464287598   869,861 5,713 SH   SOLE   0 0 5,713
ISHARES TR RUS 1000 GRW ETF 464287614   4,303,629 17,614 SH   SOLE   0 0 17,614
ISHARES TR RUSSELL 2000 ETF 464287655   3,917,841 21,961 SH   SOLE   0 0 21,961
ISHARES TR CORE S&P SCP ETF 464287804   621,252 6,425 SH   SOLE   0 0 6,425
ISHARES TR MSCI ACWI EX US 464288240   502,819 10,310 SH   SOLE   0 0 10,310
ISHARES TR MODERT ALLOC ETF 464289875   2,646,106 66,385 SH   SOLE   0 0 66,385
JOHNSON & JOHNSON COM 478160104   1,182,340 7,628 SH   SOLE   0 0 7,628
LAM RESEARCH CORP COM 512807108   344,578 650 SH   SOLE   0 0 650
LOWES COS INC COM 548661107   517,322 2,587 SH   SOLE   0 0 2,587
MCDONALDS CORP COM 580135101   476,198 1,703 SH   SOLE   0 0 1,703
MICROSOFT CORP COM 594918104   5,890,854 20,433 SH   SOLE   0 0 20,433
MORGAN STANLEY COM NEW 617446448   490,818 5,590 SH   SOLE   0 0 5,590
NIKE INC CL B 654106103   231,358 1,886 SH   SOLE   0 0 1,886
PARKER-HANNIFIN CORP COM 701094104   284,685 847 SH   SOLE   0 0 847
PEPSICO INC COM 713448108   495,273 2,717 SH   SOLE   0 0 2,717
PROCTER AND GAMBLE CO COM 742718109   985,989 6,631 SH   SOLE   0 0 6,631
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,676,227 76,002 SH   SOLE   0 0 76,002
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   61,716,196 947,003 SH   SOLE   0 0 947,003
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   56,828,372 866,550 SH   SOLE   0 0 866,550
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   39,202,142 934,943 SH   SOLE   0 0 934,943
STATE STR CORP COM 857477103   213,446 2,820 SH   SOLE   0 0 2,820
STRYKER CORPORATION COM 863667101   485,299 1,700 SH   SOLE   0 0 1,700
UNION PAC CORP COM 907818108   472,169 2,346 SH   SOLE   0 0 2,346
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   479,288 5,398 SH   SOLE   0 0 5,398
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   424,285 1,128 SH   SOLE   0 0 1,128
VANGUARD INDEX FDS TOTAL STK MKT 922908769   286,930 1,406 SH   SOLE   0 0 1,406
WALMART INC COM 931142103   237,247 1,609 SH   SOLE   0 0 1,609
RAYTHEON TECHNOLOGIES CORP COM 75513E101   574,164 5,863 SH   SOLE   0 0 5,863
INVESCO QQQ TR UNIT SER 1 46090E103   2,027,031 6,316 SH   SOLE   0 0 6,316
ISHARES TR ESG MSCI USA MIN 46436E445   732,496 31,751 SH   SOLE   0 0 31,751
AT&T INC COM 00206R102   391,820 20,354 SH   SOLE   0 0 20,354
ABBVIE INC COM 00287Y109   744,344 4,671 SH   SOLE   0 0 4,671
ALPHABET INC CAP STK CL C 02079K107   2,342,157 22,521 SH   SOLE   0 0 22,521
ALPHABET INC CAP STK CL A 02079K305   819,467 7,900 SH   SOLE   0 0 7,900
APPHARVEST INC COM 03783T103   9,185 15,000 SH   SOLE   0 0 15,000
CISCO SYS INC COM 17275R102   270,519 5,175 SH   SOLE   0 0 5,175
EXXON MOBIL CORP COM 30231G102   2,511,611 22,904 SH   SOLE   0 0 22,904
INNOVATIVE SOLUTIONS & SUPPO COM 45769N105   74,868 10,200 SH   SOLE   0 0 10,200
ISHARES TR MSCI USA MIN VOL 46429B697   78,252,725 1,075,787 SH   SOLE   0 0 1,075,787
ISHARES TR MSCI USA QLT FCT 46432F339   41,415,254 333,819 SH   SOLE   0 0 333,819
ISHARES TR HDG MSCI EAFE 46434V803   2,312,481 78,469 SH   SOLE   0 0 78,469
ISHARES TR ESG AWR MSCI USA 46435G425   5,602,164 61,937 SH   SOLE   0 0 61,937
ISHARES TR MSCI USA SMCP MN 46435G433   202,385 5,836 SH   SOLE   0 0 5,836
ISHARES TR ESG AW MSCI EAFE 46435G516   2,193,915 30,539 SH   SOLE   0 0 30,539
ISHARES TR MSCI ACWI EXUS 46435G847   45,726,898 1,670,194 SH   SOLE   0 0 1,670,194
ISHARES TR ESG AWARE MSCI 46435U663   2,268,819 66,750 SH   SOLE   0 0 66,750
JPMORGAN CHASE & CO COM 46625H100   528,537 4,056 SH   SOLE   0 0 4,056
MERCK & CO INC COM 58933Y105   293,211 2,756 SH   SOLE   0 0 2,756
NEXTERA ENERGY INC COM 65339F101   228,311 2,962 SH   SOLE   0 0 2,962
SPDR S&P 500 ETF TR TR UNIT 78462F103   241,540 590 SH   SOLE   0 0 590
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   232,834 700 SH   SOLE   0 0 700
3M CO COM 88579Y101   206,541 1,965 SH   SOLE   0 0 1,965
VANGUARD WORLD FDS INF TECH ETF 92204A702   231,282 600 SH   SOLE   0 0 600
VERIZON COMMUNICATIONS INC COM 92343V104   749,895 19,282 SH   SOLE   0 0 19,282
CHUBB LIMITED COM H1467J104   203,889 1,050 SH   SOLE   0 0 1,050