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
ALPHABET INC CAP STK CL A Stock 02079K305 61 22 SH   SOLE   0 0 22
AMAZON COM INC COM Stock 023135106 46 14 SH   SOLE   0 0 14
APPLE INC COM Stock 037833100 44 250 SH   SOLE   0 0 250
ARK INNOVATION ETF ETF 00214Q104 23 342 SH   SOLE   0 0 342
INVESCO FTSE RAFI EMERGING MARKETS ETF ETF 46138E727 0 0 SH   SOLE   0 0 0
INVESCO QQQ TRUST ETF 46090E103 38 104 SH   SOLE   0 0 104
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 10,140 189,857 SH   SOLE   0 0 189,857
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 319 5,738 SH   SOLE   0 0 5,738
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 1,255 18,849 SH   SOLE   0 0 18,849
ISHARES CORE S&P 500 ETF ETF 464287200 2,107 4,645 SH   SOLE   0 0 4,645
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 1,639 15,308 SH   SOLE   0 0 15,308
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ETF 46435U663 19 493 SH   SOLE   0 0 493
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 894 35,717 SH   SOLE   0 0 35,717
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 823 32,564 SH   SOLE   0 0 32,564
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 782 31,165 SH   SOLE   0 0 31,165
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 463 18,330 SH   SOLE   0 0 18,330
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 167 6,760 SH   SOLE   0 0 6,760
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 143 5,750 SH   SOLE   0 0 5,750
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 92 3,510 SH   SOLE   0 0 3,510
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 208 2,530 SH   SOLE   0 0 2,530
ISHARES MBS ETF ETF 464288588 1,354 13,290 SH   SOLE   0 0 13,290
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456 3,438 93,251 SH   SOLE   0 0 93,251
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570 48 556 SH   SOLE   0 0 556
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 6,930 89,342 SH   SOLE   0 0 89,342
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 11,146 82,787 SH   SOLE   0 0 82,787
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF ETF 464287556 16 123 SH   SOLE   0 0 123
ISHARES PREFERRED AND INCOME SECURITIES ETF ETF 464288687 105 2,880 SH   SOLE   0 0 2,880
ISHARES S&P MID-CAP FUND ETF ETF 464287507 445 1,659 SH   SOLE   0 0 1,659
ISHARES S&P SMALL-CAP FUND ETF ETF 464287804 454 4,213 SH   SOLE   0 0 4,213
MICROSOFT CORP COM Stock 594918104 52 170 SH   SOLE   0 0 170
ROBLOX CORP CL A Stock 771049103 7 150 SH   SOLE   0 0 150
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 40 758 SH   SOLE   0 0 758
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608 1,881 41,832 SH   SOLE   0 0 41,832
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF ETF 78464A359 198 2,570 SH   SOLE   0 0 2,570
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 5,373 204,745 SH   SOLE   0 0 204,745
SPDR GOLD SHARES ETF ETF 78463V107 7,743 42,862 SH   SOLE   0 0 42,862
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 4,883 73,750 SH   SOLE   0 0 73,750
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 4,412 105,669 SH   SOLE   0 0 105,669
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,553 51,530 SH   SOLE   0 0 51,530
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF ETF 921908844 843 5,200 SH   SOLE   0 0 5,200
VANGUARD ESG INTERNATIONAL STOCK ETF ETF 921910725 6 102 SH   SOLE   0 0 102
VANGUARD ESG U.S. STOCK ETF ETF 921910733 52 641 SH   SOLE   0 0 641
VANGUARD GROWTH INDEX FUND ETF ETF 922908736 7,211 25,072 SH   SOLE   0 0 25,072
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 3,204 28,542 SH   SOLE   0 0 28,542
VANGUARD LARGE-CAP INDEX FUND ETF ETF 922908637 3,290 15,780 SH   SOLE   0 0 15,780
VANGUARD MEGA CAP ETF ETF 921910873 255 1,602 SH   SOLE   0 0 1,602
VANGUARD MEGA CAP GROWTH ETF ETF 921910816 4,658 19,787 SH   SOLE   0 0 19,787
VANGUARD MEGA CAP VALUE ETF ETF 921910840 2,996 27,920 SH   SOLE   0 0 27,920
VANGUARD MID-CAP GROWTH INDEX FUND ETF ETF 922908538 308 1,381 SH   SOLE   0 0 1,381
VANGUARD MID-CAP INDEX FUND ETF ETF 922908629 9,995 42,024 SH   SOLE   0 0 42,024
VANGUARD MID-CAP VALUE INDEX FUND ETF ETF 922908512 201 1,345 SH   SOLE   0 0 1,345
VANGUARD S&P 500 ETF ETF 922908363 166 400 SH   SOLE   0 0 400
VANGUARD S&P 500 GROWTH ETF ETF 921932505 9 31 SH   SOLE   0 0 31
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 381 1,537 SH   SOLE   0 0 1,537
VANGUARD SMALL-CAP INDEX FUND ETF ETF 922908751 14,262 67,108 SH   SOLE   0 0 67,108
VANGUARD SMALL-CAP VALUE INDEX FUND ETF ETF 922908611 363 2,063 SH   SOLE   0 0 2,063
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 25 112 SH   SOLE   0 0 112
VANGUARD VALUE FUND ETF ETF 922908744 2,212 14,969 SH   SOLE   0 0 14,969