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 42 440 SH   SOLE   0 0 440
AMAZON COM INC COM Stock 023135106 32 280 SH   SOLE   0 0 280
APPLE INC COM Stock 037833100 35 250 SH   SOLE   0 0 250
ARK INNOVATION ETF ETF 00214Q104 13 342 SH   SOLE   0 0 342
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 58 800 SH   SOLE   0 0 800
INVESCO QQQ TRUST ETF 46090E103 9 33 SH   SOLE   0 0 33
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 8,667 194,901 SH   SOLE   0 0 194,901
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 49 1,141 SH   SOLE   0 0 1,141
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 864 16,976 SH   SOLE   0 0 16,976
ISHARES CORE S&P 500 ETF ETF 464287200 1,417 3,952 SH   SOLE   0 0 3,952
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 1,070 11,103 SH   SOLE   0 0 11,103
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ETF 46435G243 140 5,960 SH   SOLE   0 0 5,960
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ETF 46435U663 136 4,443 SH   SOLE   0 0 4,443
ISHARES ESG AWARE USD CORPORATE BOND ETF ETF 46435G193 134 6,155 SH   SOLE   0 0 6,155
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 637 25,447 SH   SOLE   0 0 25,447
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 671 26,894 SH   SOLE   0 0 26,894
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 551 22,615 SH   SOLE   0 0 22,615
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 442 18,330 SH   SOLE   0 0 18,330
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 156 6,760 SH   SOLE   0 0 6,760
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 132 5,750 SH   SOLE   0 0 5,750
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 84 3,510 SH   SOLE   0 0 3,510
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 181 2,530 SH   SOLE   0 0 2,530
ISHARES MBS ETF ETF 464288588 830 9,063 SH   SOLE   0 0 9,063
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456 3,375 121,498 SH   SOLE   0 0 121,498
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570 32 479 SH   SOLE   0 0 479
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 5,612 84,901 SH   SOLE   0 0 84,901
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 8,776 84,433 SH   SOLE   0 0 84,433
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF ETF 464287556 14 123 SH   SOLE   0 0 123
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687 91 2,880 SH   SOLE   0 0 2,880
ISHARES S&P MID-CAP FUND ETF ETF 464287507 346 1,576 SH   SOLE   0 0 1,576
ISHARES S&P SMALL-CAP FUND ETF ETF 464287804 354 4,061 SH   SOLE   0 0 4,061
ISHARES U.S. OIL & GAS EXPLORATION & PRODUCTION ETF ETF 464288851 50 600 SH   SOLE   0 0 600
MICROSOFT CORP COM Stock 594918104 40 170 SH   SOLE   0 0 170
NUVEEN ESG LARGE-CAP VALUE ETF ETF 67092P300 51 1,640 SH   SOLE   0 0 1,640
ROBLOX CORP CL A Stock 771049103 5 150 SH   SOLE   0 0 150
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 3 64 SH   SOLE   0 0 64
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608 1,935 47,356 SH   SOLE   0 0 47,356
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF ETF 78464A359 163 2,570 SH   SOLE   0 0 2,570
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 5,289 222,418 SH   SOLE   0 0 222,418
SPDR GOLD SHARES ETF ETF 78463V107 6,957 44,981 SH   SOLE   0 0 44,981
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 6,475 129,248 SH   SOLE   0 0 129,248
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 10,526 305,185 SH   SOLE   0 0 305,185
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,537 52,586 SH   SOLE   0 0 52,586
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF ETF 921908844 716 5,300 SH   SOLE   0 0 5,300
VANGUARD ESG INTERNATIONAL STOCK ETF ETF 921910725 5 110 SH   SOLE   0 0 110
VANGUARD ESG U.S. STOCK ETF ETF 921910733 36 569 SH   SOLE   0 0 569
VANGUARD GROWTH INDEX FUND ETF ETF 922908736 4,855 22,692 SH   SOLE   0 0 22,692
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 2,664 28,077 SH   SOLE   0 0 28,077
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706 139 2,380 SH   SOLE   0 0 2,380
VANGUARD LARGE-CAP INDEX FUND ETF ETF 922908637 2,519 15,400 SH   SOLE   0 0 15,400
VANGUARD MEGA CAP ETF ETF 921910873 196 1,567 SH   SOLE   0 0 1,567
VANGUARD MEGA CAP GROWTH ETF ETF 921910816 3,430 19,681 SH   SOLE   0 0 19,681
VANGUARD MEGA CAP VALUE ETF ETF 921910840 2,091 23,254 SH   SOLE   0 0 23,254
VANGUARD MID-CAP GROWTH INDEX FUND ETF ETF 922908538 231 1,356 SH   SOLE   0 0 1,356
VANGUARD MID-CAP INDEX FUND ETF ETF 922908629 7,565 40,241 SH   SOLE   0 0 40,241
VANGUARD MID-CAP VALUE INDEX FUND ETF ETF 922908512 164 1,345 SH   SOLE   0 0 1,345
VANGUARD S&P 500 ETF ETF 922908363 131 400 SH   SOLE   0 0 400
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 140 2,900 SH   SOLE   0 0 2,900
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102 142 2,455 SH   SOLE   0 0 2,455
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595 296 1,517 SH   SOLE   0 0 1,517
VANGUARD SMALL-CAP INDEX FUND ETF ETF 922908751 7,735 45,256 SH   SOLE   0 0 45,256
VANGUARD SMALL-CAP VALUE INDEX FUND ETF ETF 922908611 296 2,063 SH   SOLE   0 0 2,063
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 20 112 SH   SOLE   0 0 112
VANGUARD VALUE FUND ETF ETF 922908744 1,909 15,459 SH   SOLE   0 0 15,459