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 TRUST RUS 1000 GRW ETF RUS 1000 GRW ETF 464287614 29,593 140,652 SH   SOLE   0 0 140,652
ISHARES TRUST RUS 1000 VAL ETF RUS 1000 VAL ETF 464287598 28,419 208,977 SH   SOLE   0 0 208,977
VANGUARD FTSE DEVELOPED MKTS ETF FTSE DEVELOPED MKTS ETF 921943858 14,936 410,777 SH   SOLE   0 0 410,777
ISHARES TRUST RUS MD CP GR ETF RUS MD CP GR ETF 464287481 9,230 117,685 SH   SOLE   0 0 117,685
ISHARES TRUST RUS MDCP VAL ETF RUS MDCP VAL ETF 464287473 8,803 91,649 SH   SOLE   0 0 91,649
ISHARES TRUST RUS 2000 VAL ETF RUS 2000 VAL ETF 464287630 5,843 45,322 SH   SOLE   0 0 45,322
ISHARES TRUST RUS 2000 GRW ETF RUS 2000 GRW ETF 464287648 5,843 28,283 SH   SOLE   0 0 28,283
ISHARES TRUST CORE MSCI TOTAL ETF CORE MSCI TOTAL ETF 46432F834 5,244 102,983 SH   SOLE   0 0 102,983
VANGUARD FTSE EMR MKT ETF FTSE EMR MKT ETF 922042858 5,122 140,359 SH   SOLE   0 0 140,359
TESLA INC COM COM 88160R101 3,781 14,256 SH   SOLE   0 0 14,256
SPDR SERIES TRUST S&P DIVID ETF S&P DIVID ETF 78464A763 3,189 28,599 SH   SOLE   0 0 28,599
APPLE INC COM COM 037833100 2,956 21,389 SH   SOLE   0 0 21,389
VANGUARD VALUE ETF VALUE ETF 922908744 2,795 22,632 SH   SOLE   0 0 22,632
VANGUARD GROWTH ETF GROWTH ETF 922908736 2,285 10,682 SH   SOLE   0 0 10,682
CASELLA WASTE SYSTEMS COM CL A COM CL A 147448104 1,126 14,734 SH   SOLE   0 0 14,734
MICROSOFT CORP COM COM 594918104 1,035 4,445 SH   SOLE   0 0 4,445
SPDR SERIES TRUST PORTFOLI S&P 1500 COMP STK ETF PORTFOLI S&P 1500 COMP STK ETF 78464A805 1,030 23,349 SH   SOLE   0 0 23,349
INTUIT INC COM COM 461202103 846 2,184 SH   SOLE   0 0 2,184
VANGUARD MCAP VL IDXVIP ETF MCAP VL IDXVIP ETF 922908512 819 6,727 SH   SOLE   0 0 6,727
VANGUARD TOTAL STK MKT ETF TOTAL STK MKT ETF 922908769 729 4,063 SH   SOLE   0 0 4,063
VANGUARD MCAP GR IDXVIP ETF MCAP GR IDXVIP ETF 922908538 721 4,227 SH   SOLE   0 0 4,227
EXXON MOBIL CORPORATION COM COM 30231G102 670 7,674 SH   SOLE   0 0 7,674
SPDR SPDR NUVEEN BLOOMBERG MUNIC SPDR NUVEEN BLOOMBERG MUNIC 78468R721 662 15,057 SH   SOLE   0 0 15,057
VANGUARD SMLCP 600 VAL ETF SMLCP 600 VAL ETF 921932778 553 3,874 SH   SOLE   0 0 3,874
ALPHABET INC COM CL C COM CL C 02079K107 485 5,040 SH   SOLE   0 0 5,040
VANGUARD SMLCP 600 GRTH ETF SMLCP 600 GRTH ETF 921932794 446 2,549 SH   SOLE   0 0 2,549
PROCTER & GAMBLE CO COM COM 742718109 441 3,493 SH   SOLE   0 0 3,493
SPDR S&P500 ETF TRUST TR UNIT ETF TR UNIT ETF 78462F103 437 1,224 SH   SOLE   0 0 1,224
ISHARES TRUST MSCI EMG MKT ETF MSCI EMG MKT ETF 464287234 432 12,384 SH   SOLE   0 0 12,384
COCA-COLA CO COM COM 191216100 410 7,320 SH   SOLE   0 0 7,320
ALPHABET INC COM CL A COM CL A 02079K305 348 3,640 SH   SOLE   0 0 3,640
ISHARES TRUST SELECT DIVID ETF SELECT DIVID ETF 464287168 344 3,205 SH   SOLE   0 0 3,205
JOHNSON & JOHNSON COM COM 478160104 325 1,988 SH   SOLE   0 0 1,988
JP MORGAN CHASE & CO COM COM 46625H100 313 2,991 SH   SOLE   0 0 2,991
FIFTH THIRD BANCORP COM COM 316773100 302 9,462 SH   SOLE   0 0 9,462
AMAZON COM INC COM COM 023135106 269 2,380 SH   SOLE   0 0 2,380
PNC FINANCIAL SERVICES GROUP COM COM 693475105 265 1,776 SH   SOLE   0 0 1,776
US BANCORP COM COM 902973304 241 5,969 SH   SOLE   0 0 5,969
UNION PACIFIC CORP COM COM 907818108 233 1,194 SH   SOLE   0 0 1,194
ISHARES TRUST CORE S&P500 ETF CORE S&P500 ETF 464287200 229 637 SH   SOLE   0 0 637
RAYTHEON TECH CORP COM COM 75513E101 211 2,582 SH   SOLE   0 0 2,582
PEPSICO INC COM COM 713448108 208 1,272 SH   SOLE   0 0 1,272
SPDR INDEX SHARES FUNDS PORTFOLIO DEVLPD ETF PORTFOLIO DEVLPD ETF 78463X889 203 7,861 SH   SOLE   0 0 7,861
JP MORGAN ETF TRUST ULTRA SHRT MUNICIPAL INC ETF ULTRA SHRT MUNICIPAL INC ETF 46641Q654 201 3,987 SH   SOLE   0 0 3,987
AT&T INC COM COM 00206R102 191 12,457 SH   SOLE   0 0 12,457
GUGGENHEIM STRATEGIC OPPORTUNI COM SBI COM SBI 40167F101 169 11,008 SH   SOLE   0 0 11,008
QUANTUM-SI INC COM CL A COM CL A 74765K105 31 11,150 SH   SOLE   0 0 11,150
THE ALKALINE WATER CO INC COM COM 01643A207 3 10,000 SH   SOLE   0 0 10,000