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
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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
LLOYDS BANKING GROUP PLC ADR 539439109   33 14,840 SH   SOLE   0 0 14,840
PUTNAM MUN OPPORTUNITIES TR SH BEN INT Stock 746922103   116 11,250 SH   SOLE   0 0 11,250
NUVEEN NEW YORK QLT MUN INC FD Stock 67066X107   341 31,727 SH   SOLE   0 0 31,727
CHEVRON CORP NEW Stock 166764100   201 1,271 SH   SOLE   0 0 1,271
BOEING CO Stock 097023105   202 849 SH   SOLE   0 0 849
TETRA TECH INC NEW Stock 88162G103   221 1,300 SH   SOLE   0 0 1,300
BECTON DICKINSON AND CO Stock 075887109   224 800 SH   SOLE   0 0 800
AMGEN INC Stock 031162100   239 1,012 SH   SOLE   0 0 1,012
VERIZON MUNICATIONS INC Stock 92343V104   244 7,197 SH   SOLE   0 0 7,197
CURTISS WRIGHT CORP Stock 231561101   250 1,316 SH   SOLE   0 0 1,316
ALPHABET INC CAP STK CL A Stock 02079K305   251 1,900 SH   SOLE   0 0 1,900
TESLA INC Stock 88160R101   254 955 SH   SOLE   0 0 955
ADOBE SYSTEMS CORP Stock 00724F101   259 491 SH   SOLE   0 0 491
TARGET CORP Stock 87612E106   276 2,048 SH   SOLE   0 0 2,048
TELEDYNE TECHNOLOGIES INC Stock 879360105   295 773 SH   SOLE   0 0 773
KEMPER CORP Stock 488401100   311 6,084 SH   SOLE   0 0 6,084
SANDP GLOBAL INC Stock 78409V104   313 800 SH   SOLE   0 0 800
JOHNSON AND JOHNSON Stock 478160104   317 1,819 SH   SOLE   0 0 1,819
CISCO SYS INC Stock 17275R102   320 6,149 SH   SOLE   0 0 6,149
DEERE AND CO Stock 244199105   324 760 SH   SOLE   0 0 760
APPLIED MATLS INC Stock 038222105   349 2,300 SH   SOLE   0 0 2,300
UNITED RENTALS INC Stock 911363109   356 800 SH   SOLE   0 0 800
DOMINION ENERGY INC Stock 25746U109   396 7,417 SH   SOLE   0 0 7,417
CSX CORP Stock 126408103   415 12,300 SH   SOLE   0 0 12,300
ALPHABET INC CAP STK CL C Stock 02079K107   420 3,160 SH   SOLE   0 0 3,160
PROCTER AND GAMBLE CO Stock 742718109   500 3,201 SH   SOLE   0 0 3,201
ZIMMER BIOMET HOLDINGS INC Stock 98956P102   536 3,853 SH   SOLE   0 0 3,853
AMAZON INC Stock 023135106   600 4,540 SH   SOLE   0 0 4,540
FAIR ISAAC CORP Stock 303250104   618 750 SH   SOLE   0 0 750
EXXON MOBIL CORP Stock 30231G102   622 5,976 SH   SOLE   0 0 5,976
FIRST SOLAR INC Stock 336433107   752 3,610 SH   SOLE   0 0 3,610
WASTE MGMT INC DEL Stock 94106L109   810 4,975 SH   SOLE   0 0 4,975
NETFLIX INC Stock 64110L106   843 1,980 SH   SOLE   0 0 1,980
HOME DEPOT INC Stock 437076102   1,162 3,508 SH   SOLE   0 0 3,508
THERMO FISHER SCIENTIFIC INC Stock 883556102   1,197 2,132 SH   SOLE   0 0 2,132
REPUBLIC SVCS INC Stock 760759100   1,242 8,201 SH   SOLE   0 0 8,201
VISA INC CL A Stock 92826C839   1,285 5,452 SH   SOLE   0 0 5,452
UNION PAC CORP Stock 907818108   1,350 5,800 SH   SOLE   0 0 5,800
BERKSHIRE HATH INC DEL CL B Stock 084670702   1,434 4,101 SH   SOLE   0 0 4,101
UNITEDHEALTH GROUP INC Stock 91324P102   1,531 3,046 SH   SOLE   0 0 3,046
COSTCO WHSL CORP NEW Stock 22160K105   1,655 2,938 SH   SOLE   0 0 2,938
LOWES COS INC Stock 548661107   1,713 7,289 SH   SOLE   0 0 7,289
NORFOLK SOUTHN CORP Stock 655844108   2,268 9,586 SH   SOLE   0 0 9,586
NVIDIA CORPORATION Stock 67066G104   8,760 18,740 SH   SOLE   0 0 18,740
MICROSOFT CORP Stock 594918104   12,433 36,746 SH   SOLE   0 0 36,746
APPLE INC Stock 037833100   15,201 77,624 SH   SOLE   0 0 77,624
SPDR BLOOMBERG 1 3 MONTH T BILL ETF 78468R663   206 2,247 SH   SOLE   0 0 2,247
ETHO CLIMATE LEADERSHIP U.S. ETF 26924G888   218 3,981 SH   SOLE   0 0 3,981
ISHARES CORE 1 5 YEAR USD BOND ETF 46432F859   218 4,685 SH   SOLE   0 0 4,685
VANGUARD TOTAL STOCK MARKET ETF 922908769   223 981 SH   SOLE   0 0 981
ISHARES CURRENCY HEDGED MSCI EURO ZN ETF 46434V639   235 7,196 SH   SOLE   0 0 7,196
ISHARES RUSSELL 2000 ETF 464287655   237 1,207 SH   SOLE   0 0 1,207
ISHARES RUSSELL 1000 ETF 464287622   239 951 SH   SOLE   0 0 951
VANGUARD FTSE EMERGING MARKETS ETF 922042858   347 8,077 SH   SOLE   0 0 8,077
VANGUARD ULTRA SHORT BOND ETF 92203C303   364 7,395 SH   SOLE   0 0 7,395
VANGUARD REAL ESTATE ETF 922908553   366 4,331 SH   SOLE   0 0 4,331
ISHARES CORE U.S. REIT ETF 464288521   367 6,976 SH   SOLE   0 0 6,976
ISHARES CORE DIVIDEND GROWTH ETF 46434V621   411 7,742 SH   SOLE   0 0 7,742
INVESCO SOLAR ETF 46138G706   447 6,558 SH   SOLE   0 0 6,558
ISHARES MSCI USA QUALITY FACTOR ETF 46432F339   479 3,427 SH   SOLE   0 0 3,427
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF 464288513   504 6,699 SH   SOLE   0 0 6,699
VANGUARD MID CAP ETF 922908629   546 2,408 SH   SOLE   0 0 2,408
VANGUARD DIVIDEND APPRECIATION ETF 921908844   566 3,408 SH   SOLE   0 0 3,408
VANGUARD SMALL CAP ETF 922908751   589 2,845 SH   SOLE   0 0 2,845
ISHARES CORE HIGH DIVIDEND ETF 46429B663   594 5,709 SH   SOLE   0 0 5,709
VANGUARD SANDP 500 ETF 922908363   631 1,504 SH   SOLE   0 0 1,504
NUVEEN ESG 1 5 YEAR U.S. AGG BOND ETF 67092P854   697 33,844 SH   SOLE   0 0 33,844
VANGUARD VALUE ETF 922908744   703 4,795 SH   SOLE   0 0 4,795
VANGUARD TAX EXEMPT BOND ETF 922907746   849 16,939 SH   SOLE   0 0 16,939
ISHARES CORE MSCI EMERGING MARKETS ETF 46434G103   1,006 19,292 SH   SOLE   0 0 19,292
VANGUARD INTERMEDIATE TERM TREASURY ETF 92206C706   1,085 18,580 SH   SOLE   0 0 18,580
NUVEEN ESG MID CAP GROWTH ETF 67092P409   1,114 27,783 SH   SOLE   0 0 27,783
VANGUARD FTSE DEVELOPED MARKETS ETF 921943858   1,127 23,665 SH   SOLE   0 0 23,665
SPDR GOLD SHARES ETF 78463V107   1,218 6,700 SH   SOLE   0 0 6,700
ISHARES CORE SANDP MID CAP ETF 464287507   1,297 4,783 SH   SOLE   0 0 4,783
ISHARES NATIONAL MUNI BOND ETF 464288414   1,485 13,927 SH   SOLE   0 0 13,927
VANGUARD GROWTH ETF 922908736   1,800 6,169 SH   SOLE   0 0 6,169
VANGUARD ESG INTERNATIONAL STOCK ETF 921910725   1,997 36,191 SH   SOLE   0 0 36,191
VANGUARD TOTAL INTERNATIONAL STOCK ETF 921909768   2,063 35,413 SH   SOLE   0 0 35,413
ISHARES SHORT TERM NATIONAL MUNI BOND ETF 464288158   2,194 21,094 SH   SOLE   0 0 21,094
ISHARES CORE U.S. AGGREGATE BOND ETF 464287226   2,199 22,540 SH   SOLE   0 0 22,540
FLEXSHARES HIGH YIELD VALUE ETF 33939L662   2,283 56,317 SH   SOLE   0 0 56,317
SPDR SANDP 500 TRUST ETF 78462F103   2,354 5,153 SH   SOLE   0 0 5,153
ISHARES U.S. TREASURY BOND ETF 46429B267   2,533 111,303 SH   SOLE   0 0 111,303
ISHARES MSCI USA ESG SELECT ETF 464288802   2,652 27,383 SH   SOLE   0 0 27,383
ISHARES ESG ADV HIGH YIELD CORP BOND ETF 46435G441   2,820 63,619 SH   SOLE   0 0 63,619
ISHARES CORE MSCI EAFE ETF 46432F842   2,886 41,489 SH   SOLE   0 0 41,489
NUVEEN ESG 1 5 YEAR U.S. AGG ETF 67092P870   3,670 167,889 SH   SOLE   0 0 167,889
ISHARES CORE SANDP SMALL CAP ETF 464287804   3,856 36,999 SH   SOLE   0 0 36,999
FLEXSHARES CORE SELECT BOND ETF 33939L670   8,504 386,604 SH   SOLE   0 0 386,604
FIRST TRUST VALUE LINE DIVIDEND INDEX ETF 33734H106   8,609 210,769 SH   SOLE   0 0 210,769
FLEXSHARES TRUST FLEX SELECT INDEX ETF 33939L696   9,955 89,337 SH   SOLE   0 0 89,337
ISHARES ESG AWARE US AGGREGATE BOND ETF 46435U549   10,121 215,404 SH   SOLE   0 0 215,404
ISHARES CORE MSCI TOTAL INTL STOCK ETF 46432F834   10,319 158,634 SH   SOLE   0 0 158,634
ISHARES ESG AWARE MSCI EAFE ETF 46435G516   10,837 144,851 SH   SOLE   0 0 144,851
INVESCO QQQ TRUST SERIES I ETF 46090E103   11,476 29,928 SH   SOLE   0 0 29,928
ISHARES CORE SANDP 500 ETF 464287200   11,770 25,631 SH   SOLE   0 0 25,631
VANGUARD ESG U.S. STOCK ETF 921910733   18,785 232,059 SH   SOLE   0 0 232,059
FEDERAL RLTY INVT TR Stock 313745101   201 2,000 SH   SOLE   0 0 2,000
EXTRA SPACE STORAGE INC Stock 30225T102   332 2,361 SH   SOLE   0 0 2,361
MID AMER APT CMNTYS INC Stock 59522J103   355 2,390 SH   SOLE   0 0 2,390