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
ABBVIE INC COM 00287Y109 517 3,400 SH   SOLE 0 0 0 3,400
ALPHABET INC CAP STK CL A 02079K305 555 249 SH   SOLE 0 0 0 249
ALPHABET INC CAP STK CL C 02079K107 503 224 SH   SOLE 0 0 0 224
AMAZON COM INC COM 023135106 247 2,240 SH   SOLE 0 0 0 2,240
ANALOG DEVICES INC COM 032654105 363 2,436 SH   SOLE 0 0 0 2,436
APPLE INC COM 037833100 9,097 62,524 SH   SOLE 0 0 0 62,524
BRISTOL-MYERS SQUIBB CO COM 110122108 273 3,658 SH   SOLE 0 0 0 3,658
CHEVRON CORP NEW COM 166764100 401 2,905 SH   SOLE 0 0 0 2,905
CISCO SYS INC COM 17275R102 258 6,049 SH   SOLE 0 0 0 6,049
EXXON MOBIL CORP COM 30231G102 345 4,069 SH   SOLE 0 0 0 4,069
HOME DEPOT INC COM 437076102 206 718 SH   SOLE 0 0 0 718
INTEL CORP COM 458140100 343 9,218 SH   SOLE 0 0 0 9,218
INTERNATIONAL BUSINESS MACHS COM 459200101 289 2,109 SH   SOLE 0 0 0 2,109
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 278 959 SH   SOLE 0 0 0 959
ISHARES INC MSCI EMERG MRKT 464286533 1,629 30,051 SH   SOLE 0 0 0 30,051
ISHARES INC CORE MSCI EMKT 46434G103 4,597 96,851 SH   SOLE 0 0 0 96,851
ISHARES TR 3 7 YR TREAS BD 464288661 8,766 73,393 SH   SOLE 0 0 0 73,393
ISHARES TR IBOXX INV CP ETF 464287242 787 7,046 SH   SOLE 0 0 0 7,046
ISHARES TR CORE S&P TTL STK 464287150 18,742 222,612 SH   SOLE 0 0 0 222,612
ISHARES TR CORE MSCI TOTAL 46432F834 2,531 45,440 SH   SOLE 0 0 0 45,440
ISHARES TR US TREAS BD ETF 46429B267 22,579 941,988 SH   SOLE 0 0 0 941,988
ISHARES TR CORE TOTAL USD 46434V613 8,589 182,783 SH   SOLE 0 0 0 182,783
ISHARES TR MSCI USA SZE FT 46432F370 7,086 64,186 SH   SOLE 0 0 0 64,186
ISHARES TR MSCI USA VALUE 46432F388 2,821 31,132 SH   SOLE 0 0 0 31,132
ISHARES TR MSCI USA MIN VOL 46429B697 7,567 107,556 SH   SOLE 0 0 0 107,556
ISHARES TR INTL SEL DIV ETF 464288448 955 36,668 SH   SOLE 0 0 0 36,668
ISHARES TR U.S. MED DVC ETF 464288810 651 13,052 SH   SOLE 0 0 0 13,052
ISHARES TR MSCI USA QLT FCT 46432F339 12,164 108,034 SH   SOLE 0 0 0 108,034
ISHARES TR TIPS BD ETF 464287176 13,455 117,776 SH   SOLE 0 0 0 117,776
ISHARES TR ESG AWR MSCI USA 46435G425 22,799 270,132 SH   SOLE 0 0 0 270,132
ISHARES TR S&P 500 GRWT ETF 464287309 1,008 16,471 SH   SOLE 0 0 0 16,471
ISHARES TR MBS ETF 464288588 626 6,399 SH   SOLE 0 0 0 6,399
ISHARES TR RUS 1000 GRW ETF 464287614 893 4,021 SH   SOLE 0 0 0 4,021
ISHARES TR MSCI EMG MKT ETF 464287234 572 14,738 SH   SOLE 0 0 0 14,738
ISHARES TR CORE MSCI EAFE 46432F842 24,298 420,809 SH   SOLE 0 0 0 420,809
ISHARES TR FALN ANGLS USD 46435G474 4,436 179,070 SH   SOLE 0 0 0 179,070
ISHARES TR MSCI EAFE ETF 464287465 369 6,023 SH   SOLE 0 0 0 6,023
ISHARES TR EAFE GRWTH ETF 464288885 3,215 40,143 SH   SOLE 0 0 0 40,143
ISHARES TR CORE HIGH DV ETF 46429B663 10,776 108,528 SH   SOLE 0 0 0 108,528
ISHARES TR EAFE VALUE ETF 464288877 544 12,933 SH   SOLE 0 0 0 12,933
ISHARES TR US INFRASTRUC 46435U713 4,055 119,569 SH   SOLE 0 0 0 119,569
ISHARES TR CORE S&P500 ETF 464287200 12,260 32,195 SH   SOLE 0 0 0 32,195
ISHARES TR GLOBAL TECH ETF 464287291 2,807 60,792 SH   SOLE 0 0 0 60,792
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 5,336 140,091 SH   SOLE 0 0 0 140,091
JOHNSON & JOHNSON COM 478160104 522 2,975 SH   SOLE 0 0 0 2,975
MICROSOFT CORP COM 594918104 2,351 9,303 SH   SOLE 0 0 0 9,303
SELECT SECTOR SPDR TR ENERGY 81369Y506 7,176 104,312 SH   SOLE 0 0 0 104,312
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 6,751 201,208 SH   SOLE 0 0 0 201,208
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,228 3,241 SH   SOLE 0 0 0 3,241
SPDR SER TR PORTFLI TIPS ETF 78464A656 2,219 80,352 SH   SOLE 0 0 0 80,352
SPDR SER TR PORTFLI HIGH YLD 78468R606 929 40,930 SH   SOLE 0 0 0 40,930
SPDR SER TR PORTFLI INTRMDIT 78464A672 5,058 171,238 SH   SOLE 0 0 0 171,238
TESLA INC COM 88160R101 1,104 1,553 SH   SOLE 0 0 0 1,553
UNITED PARCEL SERVICE INC CL B 911312106 553 3,110 SH   SOLE 0 0 0 3,110
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 43,323 573,282 SH   SOLE 0 0 0 573,282
VANGUARD INDEX FDS SMALL CP ETF 922908751 11,342 63,814 SH   SOLE 0 0 0 63,814
VANGUARD INDEX FDS VALUE ETF 922908744 2,725 20,835 SH   SOLE 0 0 0 20,835
VANGUARD INDEX FDS GROWTH ETF 922908736 6,987 30,822 SH   SOLE 0 0 0 30,822
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 78,262 224,658 SH   SOLE 0 0 0 224,658
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,393 84,325 SH   SOLE 0 0 0 84,325
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 231 4,748 SH   SOLE 0 0 0 4,748
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 5,324 110,824 SH   SOLE 0 0 0 110,824
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,548 10,800 SH   SOLE 0 0 0 10,800
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 8,650 216,307 SH   SOLE 0 0 0 216,307
WP CAREY INC COM 92936U109 291 3,545 SH   SOLE 0 0 0 3,545