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
ALPHABET INC CAP STK CL A Stock 02079K305   38,821 440 SH   SOLE   0 0 440
AMAZON COM INC COM Stock 023135106   23,520 280 SH   SOLE   0 0 280
ARK INNOVATION ETF ETF 00214Q104   4,030 129 SH   SOLE   0 0 129
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878   4,445,554 88,840 SH   SOLE   0 0 88,840
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   217,800 2,490 SH   SOLE   0 0 2,490
INVESCO QQQ TRUST ETF 46090E103   1,331 5 SH   SOLE   0 0 5
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407   1,184,174 28,960 SH   SOLE   0 0 28,960
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621   1,031,550 20,631 SH   SOLE   0 0 20,631
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834   5,672 98 SH   SOLE   0 0 98
ISHARES CORE S&P 500 ETF ETF 464287200   1,557,203 4,053 SH   SOLE   0 0 4,053
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   812,388 8,376 SH   SOLE   0 0 8,376
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ETF 46435G243   214,405 9,020 SH   SOLE   0 0 9,020
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ETF 46435U663   267,084 8,123 SH   SOLE   0 0 8,123
ISHARES ESG AWARE USD CORPORATE BOND ETF ETF 46435G193   174,701 7,835 SH   SOLE   0 0 7,835
ISHARES FLOATING RATE BOND ETF ETF 46429B655   728,023 14,465 SH   SOLE   0 0 14,465
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8   647,126 25,854 SH   SOLE   0 0 25,854
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4   526,617 21,565 SH   SOLE   0 0 21,565
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1   455,027 18,710 SH   SOLE   0 0 18,710
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   232,566 9,960 SH   SOLE   0 0 9,960
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9   134,378 5,750 SH   SOLE   0 0 5,750
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515   135,052 5,560 SH   SOLE   0 0 5,560
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205   88,680 4,000 SH   SOLE   0 0 4,000
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   22,089 300 SH   SOLE   0 0 300
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   3,590,820 110,862 SH   SOLE   0 0 110,862
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570   13,209 184 SH   SOLE   0 0 184
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   17,370,831 240,927 SH   SOLE   0 0 240,927
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   1,092,648 9,588 SH   SOLE   0 0 9,588
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF ETF 464287556   16,149 123 SH   SOLE   0 0 123
ISHARES S&P MID-CAP FUND ETF ETF 464287507   686,000 2,836 SH   SOLE   0 0 2,836
ISHARES S&P SMALL-CAP FUND ETF ETF 464287804   647,716 6,844 SH   SOLE   0 0 6,844
ISHARES U.S. OIL & GAS EXPLORATION & PRODUCTION ETF ETF 464288851   55,716 600 SH   SOLE   0 0 600
MICROSOFT CORP COM Stock 594918104   40,769 170 SH   SOLE   0 0 170
NUVEEN ESG LARGE-CAP VALUE ETF ETF 67092P300   100,049 2,922 SH   SOLE   0 0 2,922
ROBLOX CORP CL A Stock 771049103   4,269 150 SH   SOLE   0 0 150
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   2,868 64 SH   SOLE   0 0 64
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608   593,582 14,513 SH   SOLE   0 0 14,513
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF ETF 78464A359   165,354 2,570 SH   SOLE   0 0 2,570
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408   2,858,890 117,941 SH   SOLE   0 0 117,941
SPDR GOLD SHARES ETF ETF 78463V107   3,491,191 20,580 SH   SOLE   0 0 20,580
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   9,606,797 189,595 SH   SOLE   0 0 189,595
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   13,301,274 342,023 SH   SOLE   0 0 342,023
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   804,248 27,374 SH   SOLE   0 0 27,374
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF ETF 921908844   804,805 5,300 SH   SOLE   0 0 5,300
VANGUARD ESG INTERNATIONAL STOCK ETF ETF 921910725   17,659 359 SH   SOLE   0 0 359
VANGUARD ESG U.S. STOCK ETF ETF 921910733   17,387 264 SH   SOLE   0 0 264
VANGUARD GROWTH INDEX FUND ETF ETF 922908736   4,533,442 21,273 SH   SOLE   0 0 21,273
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   6,205,735 57,349 SH   SOLE   0 0 57,349
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706   5,946,480 101,684 SH   SOLE   0 0 101,684
VANGUARD LARGE-CAP INDEX FUND ETF ETF 922908637   2,616,310 15,019 SH   SOLE   0 0 15,019
VANGUARD MEGA CAP ETF ETF 921910873   207,471 1,567 SH   SOLE   0 0 1,567
VANGUARD MEGA CAP GROWTH ETF ETF 921910816   3,363,280 19,546 SH   SOLE   0 0 19,546
VANGUARD MEGA CAP VALUE ETF ETF 921910840   2,402,576 23,360 SH   SOLE   0 0 23,360
VANGUARD MID-CAP GROWTH INDEX FUND ETF ETF 922908538   243,755 1,356 SH   SOLE   0 0 1,356
VANGUARD MID-CAP INDEX FUND ETF ETF 922908629   7,503,265 36,815 SH   SOLE   0 0 36,815
VANGUARD MID-CAP VALUE INDEX FUND ETF ETF 922908512   181,898 1,345 SH   SOLE   0 0 1,345
VANGUARD S&P 500 ETF ETF 922908363   140,536 400 SH   SOLE   0 0 400
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   135,459 2,900 SH   SOLE   0 0 2,900
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   7,195,063 124,439 SH   SOLE   0 0 124,439
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   287,202 1,432 SH   SOLE   0 0 1,432
VANGUARD SMALL-CAP INDEX FUND ETF ETF 922908751   7,649,627 41,678 SH   SOLE   0 0 41,678
VANGUARD SMALL-CAP VALUE INDEX FUND ETF ETF 922908611   279,901 1,763 SH   SOLE   0 0 1,763
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   1,435,579 19,983 SH   SOLE   0 0 19,983
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   21,413 112 SH   SOLE   0 0 112
VANGUARD VALUE FUND ETF ETF 922908744   2,249,479 16,025 SH   SOLE   0 0 16,025