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
3M CO COM 88579Y101   215,220 1,700 SH   SOLE   0 0 1,700
APPLE INC COM 037833100   563,364 4,144 SH   SOLE   0 0 4,144
BROADWIND INC COM NEW 11161T207   80,286 14,923 SH   SOLE   0 0 14,923
CARRIAGE SVCS INC COM 143905107   232,470 7,607 SH   SOLE   0 0 7,607
COCA COLA CO COM 191216100   4,239,020 68,726 SH   SOLE   0 0 68,726
EXXON MOBIL CORP COM 30231G102   287,181 2,543 SH   SOLE   0 0 2,543
ISHARES INC CORE MSCI EMKT 46434G103   9,939,186 197,050 SH   SOLE   0 0 197,050
ISHARES TR GNMA BOND ETF 46429B333   238,535 5,328 SH   SOLE   0 0 5,328
ISHARES TR MSCI USA MMENTM 46432F396   3,292,956 22,632 SH   SOLE   0 0 22,632
ISHARES TR 0-5YR HI YL CP 46434V407   5,500,285 131,084 SH   SOLE   0 0 131,084
ISHARES TR CORE TOTAL USD 46434V613   3,620,179 78,308 SH   SOLE   0 0 78,308
ISHARES TR FALN ANGLS USD 46435G474   1,359,511 53,356 SH   SOLE   0 0 53,356
ISHARES TR ESG AWR MSCI USA 46435G425   21,505,125 243,491 SH   SOLE   0 0 243,491
ISHARES TR US INFRASTRUC 46435U713   1,220,032 31,938 SH   SOLE   0 0 31,938
ISHARES TR JPMORGAN USD EMG 464288281   4,558,928 51,859 SH   SOLE   0 0 51,859
ISHARES TR MSCI USA MIN VOL 46429B697   4,162,188 56,760 SH   SOLE   0 0 56,760
ISHARES TR US TREAS BD ETF 46429B267   636,751 27,387 SH   SOLE   0 0 27,387
ISHARES TR 7-10 YR TRSY BD 464287440   5,185,733 52,551 SH   SOLE   0 0 52,551
ISHARES TR US CONSM STAPLES 464287812   209,882 1,040 SH   SOLE   0 0 1,040
ISHARES TR U.S. TECH ETF 464287721   3,748,088 47,625 SH   SOLE   0 0 47,625
ISHARES TR CORE S&P SCP ETF 464287804   2,050,507 20,292 SH   SOLE   0 0 20,292
ISHARES TR CORE S&P500 ETF 464287200   41,226,214 103,161 SH   SOLE   0 0 103,161
ISHARES TR 10-20 YR TRS ETF 464288653   7,012,209 61,516 SH   SOLE   0 0 61,516
ISHARES TR MBS ETF 464288588   16,392,364 171,846 SH   SOLE   0 0 171,846
ISHARES TR S&P 100 ETF 464287101   276,953 1,564 SH   SOLE   0 0 1,564
ISHARES TR CORE US AGGBD ET 464287226   38,269,540 383,693 SH   SOLE   0 0 383,693
ISHARES TR EAFE VALUE ETF 464288877   12,116,255 247,422 SH   SOLE   0 0 247,422
ISHARES TR EAFE GRWTH ETF 464288885   10,932,798 120,339 SH   SOLE   0 0 120,339
LINDE PLC SHS G5494J103   216,810 657 SH   SOLE   0 0 657
MICROSOFT CORP COM 594918104   249,724 1,039 SH   SOLE   0 0 1,039
SCHWAB STRATEGIC TR LONG TERM US 808524680   444,893 11,886 SH   SOLE   0 0 11,886
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   480,380 9,556 SH   SOLE   0 0 9,556
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   363,140 10,264 SH   SOLE   0 0 10,264
SPDR SER TR PORTFLI INTRMDIT 78464A672   704,013 24,411 SH   SOLE   0 0 24,411
SPDR SER TR BLOOMBERG INTL 78464A151   217,329 7,583 SH   SOLE   0 0 7,583
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   312,798 855 SH   SOLE   0 0 855
VANGUARD INDEX FDS TOTAL STK MKT 922908769   327,640 1,640 SH   SOLE   0 0 1,640
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   523,934 6,883 SH   SOLE   0 0 6,883
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   300,428 6,654 SH   SOLE   0 0 6,654