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 1,977 14,601 SH   SOLE NONE 0 0 14,601
ALPHABET INC. CLASS A CAP STK CL A 02079K305 6,935 2,394 SH   SOLE NONE 0 0 2,394
ALPHABET INC. CLASS C CAP STK CL C 02079K107 466 161 SH   SOLE NONE 0 0 161
AMAZON.COM INC COM 023135106 9,996 2,994 SH   SOLE NONE 0 0 2,994
ANI PHARMACEUTICALS COM 00182C103 267 5,802 SH   SOLE NONE 0 0 5,802
APPLE INC COM 037833100 12,938 72,863 SH   SOLE NONE 0 0 72,863
AUTOZONE INC COM 053332102 5,058 2,413 SH   SOLE NONE 0 0 2,413
BERKSHIRE HATHAWAY CLASS B CL B NEW 084670702 3,876 12,956 SH   SOLE NONE 0 0 12,956
BLOCK INC CLASS A CL A 852234103 1,493 9,227 SH   SOLE NONE 0 0 9,227
BOOKING HOLDINGS INC COM 09857L108 947 395 SH   SOLE NONE 0 0 395
BOSTON SCIENTIFIC CO COM 101137107 311 7,324 SH   SOLE NONE 0 0 7,324
CHARLES SCHWAB US MC ETF US MID-CAP ETF 808524508 13,488 167,710 SH   SOLE NONE 0 0 167,710
CHECK PT SOFTWARE F ORD M22465104 1,261 10,819 SH   SOLE NONE 0 0 10,819
CIGNA CORP COM 125523100 2,678 11,663 SH   SOLE NONE 0 0 11,663
CISCO SYSTEMS INC COM 17275R102 4,052 63,933 SH   SOLE NONE 0 0 63,933
COMMUNICAT SVS SLCT SEC SPDR ETF COMMUNICATION 81369Y852 6,249 80,450 SH   SOLE NONE 0 0 80,450
CROWN CASTLE INTL CO REIT COM 22822V101 1,291 6,185 SH   SOLE NONE 0 0 6,185
DIGITAL REALTY TRUST REIT COM 253868103 1,328 7,500 SH   SOLE NONE 0 0 7,500
DOMINOS PIZZA INC COM 25754A201 2,529 4,483 SH   SOLE NONE 0 0 4,483
EBAY INC COM 278642103 3,777 56,798 SH   SOLE NONE 0 0 56,798
ECOLAB INC COM 278865100 362 1,546 SH   SOLE NONE 0 0 1,546
EMQQ EMRNG MKT INTRNT ECMRC ETF EMQQ EM INTERN 301505889 2,099 52,543 SH   SOLE NONE 0 0 52,543
ENERGY SELECT SECTOR SPDR ETF IV ENERGY 81369Y506 1,919 34,569 SH   SOLE NONE 0 0 34,569
F5 INC COM 315616102 655 2,661 SH   SOLE NONE 0 0 2,661
FIRST TRUST MANAGED MUNICIPAL ETF IV MANAGD MUN ETF 33739N108 255 4,489 SH   SOLE NONE 0 0 4,489
FRST TRST SENR LOAN ETF SENIOR LN FD 33738D309 4,442 92,604 SH   SOLE NONE 0 0 92,604
GENERAL MILLS INC COM 370334104 238 3,534 SH   SOLE NONE 0 0 3,534
HEARTLAND FINL USA COM 42234Q102 212 4,204 SH   SOLE NONE 0 0 4,204
HOME DEPOT INC COM 437076102 3,640 8,772 SH   SOLE NONE 0 0 8,772
INVESCO QQQ TRUST UNIT SER 1 46090E103 1,008 2,536 SH   SOLE NONE 0 0 2,536
INVESCO S&P 500 GARP ETF S&P 500 GARP ETF 46137V431 1,763 18,171 SH   SOLE NONE 0 0 18,171
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 11,359 23,815 SH   SOLE NONE 0 0 23,815
ISHARES CORE S&P MID CAPETF IV CORE S&P MCP ETF 464287507 334 1,183 SH   SOLE NONE 0 0 1,183
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ET 464287226 271 2,380 SH   SOLE NONE 0 0 2,380
ISHARES ESG AWARE MSCI EAFE ETF ESG AW MSCI EAFE 46435G516 23,022 289,740 SH   SOLE NONE 0 0 289,740
ISHARES ESG AWARE MSCI EM ETF ESG AWR MSCI EM 46434G863 14,310 356,197 SH   SOLE NONE 0 0 356,197
ISHARES IBOXX INVT GRADEBOND ETF IV IBOXX INV CP ETF 464287242 4,027 30,391 SH   SOLE NONE 0 0 30,391
ISHARS ESG ADV HGH YLD COR BND ETF ESG ADVNCD HY BD 46435G441 739 14,315 SH   SOLE NONE 0 0 14,315
JPMORGAN CHASE & CO COM 46625H100 4,135 26,109 SH   SOLE NONE 0 0 26,109
KELLOGG CO COM 487836108 531 8,250 SH   SOLE NONE 0 0 8,250
LEAR CORP COM NEW 521865204 3,584 19,591 SH   SOLE NONE 0 0 19,591
LUMEN TECHNOLOGIES INC COM 550241103 1,283 102,170 SH   SOLE NONE 0 0 102,170
MCDONALDS CORP COM 580135101 3,510 13,088 SH   SOLE NONE 0 0 13,088
MEDTRONIC PLC F SHS G5960L103 611 5,910 SH   SOLE NONE 0 0 5,910
META PLATFORMS INC CLASS A CL A 30303M102 4,183 12,430 SH   SOLE NONE 0 0 12,430
MICROSOFT CORP COM 594918104 2,869 8,531 SH   SOLE NONE 0 0 8,531
NUVEEN ESG MID CAP GROWTH ETF NUVEEN ESG MIDCP 67092P409 7,265 147,644 SH   SOLE NONE 0 0 147,644
NVIDIA CORP COM 67066G104 294 1,003 SH   SOLE NONE 0 0 1,003
ORACLE CORP COM 68389X105 351 4,033 SH   SOLE NONE 0 0 4,033
PAYPAL HOLDINGS INCORPOR COM 70450Y103 4,242 22,498 SH   SOLE NONE 0 0 22,498
QUMU CORP COM 749063103 204 96,560 SH   SOLE NONE 0 0 96,560
SALESFORCE COM COM 79466L302 3,982 15,673 SH   SOLE NONE 0 0 15,673
SAP SE SPON ADR 803054204 981 7,003 SH   SOLE NONE 0 0 7,003
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 1,549 30,468 SH   SOLE NONE 0 0 30,468
SCHWAB US TIPS ETF US TIPS ETF 808524870 4,388 69,672 SH   SOLE NONE 0 0 69,672
SELECT SECTOR HEALTH SBI HEALTHCARE 81369Y209 8,545 60,651 SH   SOLE NONE 0 0 60,651
SPDR DOW JONES UT SER 1 78467X109 259 715 SH   SOLE NONE 0 0 715
SPDR FUND CONSUMER STAPLES ETF IV SBI CONS STPLS 81369Y308 4,647 60,272 SH   SOLE NONE 0 0 60,272
SPDR FUND MATERIALS SELECT SECTR ETF SBI MATERIALS 81369Y100 2,022 22,303 SH   SOLE NONE 0 0 22,303
SPDR NUVEEN BLOOMBERG NUVEEN BLMBRG SH 78468R739 235 4,783 SH   SOLE NONE 0 0 4,783
SPDR S&P 500 ETF TR UNIT 78462F103 1,034 2,179 SH   SOLE NONE 0 0 2,179
STARBUCKS CORP COM 855244109 3,775 32,269 SH   SOLE NONE 0 0 32,269
TARGET CORP COM 87612E106 257 1,113 SH   SOLE NONE 0 0 1,113
TECHNOLOGY SELECT SECTORSPDR ETF IV TECHNOLOGY 81369Y803 17,532 100,836 SH   SOLE NONE 0 0 100,836
TESLA INC COM 88160R101 349 331 SH   SOLE NONE 0 0 331
THOMSON REUTERS CORP F COM NEW 884903709 383 3,208 SH   SOLE NONE 0 0 3,208
TRAVELERS COMPANIES COM 89417E109 477 3,051 SH   SOLE NONE 0 0 3,051
UBER TECHNOLOGIES INC COM 90353T100 1,544 36,792 SH   SOLE NONE 0 0 36,792
UNION PACIFIC CORP COM 907818108 3,179 12,598 SH   SOLE NONE 0 0 12,598
UNITEDHEALTH GRP INC COM 91324P102 6,320 12,588 SH   SOLE NONE 0 0 12,588
VANECK INVESTMENT GRADE FLOATING RATE ETF INVESTMENT GRD 92189F486 6,823 245,481 SH   SOLE NONE 0 0 245,481
VANGUARD GROWTH ETF GROWTH ETF 922908736 275 859 SH   SOLE NONE 0 0 859
VANGUARD INFORMATION TECHNOLO ETF IV INF TECH ETF 92204A702 515 1,125 SH   SOLE NONE 0 0 1,125
VANGUARD INTRMDIAT TRM TRSRY ETF INTER TERM TREAS 92206C706 2,300 43,786 SH   SOLE NONE 0 0 43,786
VANGUARD MID CAP ETF MID CAP ETF 922908629 1,682 6,605 SH   SOLE NONE 0 0 6,605
VANGUARD SHORT-TERM BONDETF IV SHORT TRM BOND 921937827 2,172 26,878 SH   SOLE NONE 0 0 26,878
VANGUARD SMALL CAP ETF IV SMALL CP ETF 922908751 10,321 45,666 SH   SOLE NONE 0 0 45,666
VANGUARD TOTAL INTERNATIONAL BND ETF TOTAL INT BD ETF 92203J407 3,909 71,292 SH   SOLE NONE 0 0 71,292
VERIZON COMMUNICATN COM 92343V104 221 4,263 SH   SOLE NONE 0 0 4,263
WALMART INC COM 931142103 2,650 18,306 SH   SOLE NONE 0 0 18,306
WALT DISNEY CO COM 254687106 2,155 13,879 SH   SOLE NONE 0 0 13,879
WISDOMTREE DYNMC DYNAMIC INT EQ 97717X271 3,326 94,575 SH   SOLE NONE 0 0 94,575
XTRACKERS MSCI EAFE HDGDEQY ETF XTRACK MSCI EAFE 233051200 12,723 324,012 SH   SOLE NONE 0 0 324,012
ZOOM VIDEO COMMUNICATION CL A 98980L101 1,262 6,864 SH   SOLE NONE 0 0 6,864