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
ISHARES TR TIPS BD ETF 464287176   551,274 5,000 SH   SOLE   0 0 5,000
SPDR SER TR PORTFLI INTRMDIT 78464A672   1,111,967 38,423 SH   SOLE   0 0 38,423
ISHARES TR RUS 1000 GRW ETF 464287614   786,859 3,220 SH   SOLE   0 0 3,220
ISHARES TR MBS ETF 464288588   656,767 6,933 SH   SOLE   0 0 6,933
ISHARES TR MSCI EMG MKT ETF 464287234   504,173 12,777 SH   SOLE   0 0 12,777
MICROSOFT CORP COM 594918104   1,108,327 3,844 SH   SOLE   0 0 3,844
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   22,614,221 485,805 SH   SOLE   0 0 485,805
ISHARES TR US TREAS BD ETF 46429B267   3,105,821 132,841 SH   SOLE   0 0 132,841
CISCO SYS INC COM 17275R102   261,867 5,009 SH   SOLE   0 0 5,009
ANALOG DEVICES INC COM 032654105   456,101 2,313 SH   SOLE   0 0 2,313
ISHARES INC MSCI EMERG MRKT 464286533   1,538,686 28,197 SH   SOLE   0 0 28,197
ISHARES TR MSCI USA MMENTM 46432F396   7,101,368 51,074 SH   SOLE   0 0 51,074
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,506,179 62,034 SH   SOLE   0 0 62,034
ISHARES TR CORE S&P500 ETF 464287200   11,880,996 28,902 SH   SOLE   0 0 28,902
ISHARES TR CORE MSCI TOTAL 46432F834   3,657,045 59,032 SH   SOLE   0 0 59,032
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   232,549 7,240 SH   SOLE   0 0 7,240
ISHARES TR ESG ADV TTL USD 46436E619   1,040,849 24,077 SH   SOLE   0 0 24,077
ISHARES TR CORE HIGH DV ETF 46429B663   1,185,661 11,663 SH   SOLE   0 0 11,663
ISHARES TR 3 7 YR TREAS BD 464288661   3,175,289 26,989 SH   SOLE   0 0 26,989
ISHARES TR CORE S&P TTL STK 464287150   8,058,379 88,994 SH   SOLE   0 0 88,994
ISHARES TR ESG EAFE ETF 46436E759   480,236 8,059 SH   SOLE   0 0 8,059
VANGUARD INDEX FDS SMALL CP ETF 922908751   8,546,633 45,087 SH   SOLE   0 0 45,087
ISHARES TR JPMORGAN USD EMG 464288281   5,622,264 65,163 SH   SOLE   0 0 65,163
ISHARES TR CORE TOTAL USD 46434V613   3,975,071 86,134 SH   SOLE   0 0 86,134
ISHARES TR ESG AWR MSCI USA 46435G425   17,671,049 195,368 SH   SOLE   0 0 195,368
ISHARES TR MSCI USA QLT FCT 46432F339   10,807,162 87,109 SH   SOLE   0 0 87,109
ISHARES TR INTL SEL DIV ETF 464288448   962,329 35,007 SH   SOLE   0 0 35,007
ISHARES TR MSCI USA SZE FT 46432F370   6,938,601 58,872 SH   SOLE   0 0 58,872
ISHARES TR MSCI USA VALUE 46432F388   1,516,359 16,377 SH   SOLE   0 0 16,377
ISHARES TR ESG AWRE USD ETF 46435G193   206,905 8,990 SH   SOLE   0 0 8,990
VANGUARD INDEX FDS GROWTH ETF 922908736   4,182,804 16,769 SH   SOLE   0 0 16,769
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,206,108 7,831 SH   SOLE   0 0 7,831
ISHARES TR U.S. TECH ETF 464287721   12,282,898 132,345 SH   SOLE   0 0 132,345
VANGUARD INDEX FDS VALUE ETF 922908744   2,389,684 17,303 SH   SOLE   0 0 17,303
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   1,609,698 59,552 SH   SOLE   0 0 59,552
ABBVIE INC COM 00287Y109   541,836 3,400 SH   SOLE   0 0 3,400
ISHARES TR GLOBAL TECH ETF 464287291   1,608,963 29,598 SH   SOLE   0 0 29,598
JOHNSON & JOHNSON COM 478160104   493,081 3,181 SH   SOLE   0 0 3,181
UNITED PARCEL SERVICE INC CL B 911312106   335,883 1,731 SH   SOLE   0 0 1,731
ISHARES TR EAFE GRWTH ETF 464288885   2,826,776 30,175 SH   SOLE   0 0 30,175
ISHARES INC CORE MSCI EMKT 46434G103   4,347,645 89,109 SH   SOLE   0 0 89,109
ISHARES TR US INFRASTRUC 46435U713   4,632,964 124,142 SH   SOLE   0 0 124,142
SPDR SER TR PORTFLI TIPS ETF 78464A656   1,018,154 38,176 SH   SOLE   0 0 38,176
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   288,676 6,381 SH   SOLE   0 0 6,381
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   63,376,852 858,416 SH   SOLE   0 0 858,416
ISHARES TR MSCI KLD400 SOC 464288570   1,019,329 13,070 SH   SOLE   0 0 13,070
ISHARES TR MSCI USA MIN VOL 46429B697   11,153,167 153,329 SH   SOLE   0 0 153,329
ISHARES TR ESG MSCI USA ETF 46436E767   818,681 24,756 SH   SOLE   0 0 24,756
ISHARES TR 0-5YR HI YL CP 46434V407   3,647,125 87,503 SH   SOLE   0 0 87,503
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   12,232,489 358,409 SH   SOLE   0 0 358,409
ISHARES INC ESG AWR MSCI EM 46434G863   293,771 9,332 SH   SOLE   0 0 9,332
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,949,645 23,538 SH   SOLE   0 0 23,538
ISHARES TR USD INV GRDE ETF 464288620   1,387,003 27,379 SH   SOLE   0 0 27,379
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,773,112 194,224 SH   SOLE   0 0 194,224
SPDR SER TR PORTFLI HIGH YLD 78468R606   481,629 20,959 SH   SOLE   0 0 20,959
ISHARES TR EAFE VALUE ETF 464288877   483,668 9,966 SH   SOLE   0 0 9,966
ISHARES TR ESG AWARE MSCI 46435U663   520,863 15,324 SH   SOLE   0 0 15,324
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   248,727 801 SH   SOLE   0 0 801
ISHARES TR 10-20 YR TRS ETF 464288653   11,111,961 97,014 SH   SOLE   0 0 97,014
ISHARES TR ESG AW MSCI EAFE 46435G516   480,897 6,694 SH   SOLE   0 0 6,694
ISHARES TR MSCI EAFE ETF 464287465   430,555 6,020 SH   SOLE   0 0 6,020
ISHARES TR U.S. MED DVC ETF 464288810   320,756 5,942 SH   SOLE   0 0 5,942
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   92,793,991 246,747 SH   SOLE   0 0 246,747
ISHARES TR CORE MSCI EAFE 46432F842   32,114,525 480,397 SH   SOLE   0 0 480,397
APPLE INC COM 037833100   1,760,636 10,677 SH   SOLE   0 0 10,677