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   57,578 440 SH   SOLE   0 0 440
AMAZON COM INC COM Stock 023135106   35,594 280 SH   SOLE   0 0 280
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878   1,137,278 22,574 SH   SOLE   0 0 22,574
COLUMBIA U.S. ESG EQUITY INCOME ETF ETF 19761L300   49,482 1,321 SH   SOLE   0 0 1,321
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   332,635 3,680 SH   SOLE   0 0 3,680
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   11,587 90 SH   SOLE   0 0 90
INVESCO QQQ TRUST SERIES I ETF 46090E103   1,791 5 SH   SOLE   0 0 5
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407   88,420 2,155 SH   SOLE   0 0 2,155
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621   1,031,512 20,826 SH   SOLE   0 0 20,826
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   1,175,901 24,709 SH   SOLE   0 0 24,709
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834   15,117 252 SH   SOLE   0 0 252
ISHARES CORE S&P 500 ETF ETF 464287200   1,742,627 4,058 SH   SOLE   0 0 4,058
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   2,507,106 26,660 SH   SOLE   0 0 26,660
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ETF 46435G243   222,725 9,370 SH   SOLE   0 0 9,370
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ETF 46435U663   235,382 6,995 SH   SOLE   0 0 6,995
ISHARES ESG AWARE USD CORPORATE BOND ETF ETF 46435G193   194,426 8,935 SH   SOLE   0 0 8,935
ISHARES ESG SCREENED S&P MID-CAP ETF ETF 46436E551   32,685 965 SH   SOLE   0 0 965
ISHARES ESG SCREENED S&P SMALL-CAP ETF ETF 46436E544   15,935 482 SH   SOLE   0 0 482
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8   523,304 20,635 SH   SOLE   0 0 20,635
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4   490,767 19,845 SH   SOLE   0 0 19,845
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1   412,584 16,930 SH   SOLE   0 0 16,930
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   213,749 9,160 SH   SOLE   0 0 9,160
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9   133,055 5,750 SH   SOLE   0 0 5,750
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515   133,607 5,560 SH   SOLE   0 0 5,560
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205   87,600 4,000 SH   SOLE   0 0 4,000
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   4,394,911 130,762 SH   SOLE   0 0 130,762
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   13,767,467 190,211 SH   SOLE   0 0 190,211
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   9,180,360 69,659 SH   SOLE   0 0 69,659
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF ETF 464287556   15,042 123 SH   SOLE   0 0 123
ISHARES S&P MID-CAP FUND ETF ETF 464287507   703,915 2,823 SH   SOLE   0 0 2,823
ISHARES S&P SMALL-CAP FUND ETF ETF 464287804   567,301 6,014 SH   SOLE   0 0 6,014
ISHARES U.S. OIL & GAS EXPLORATION & PRODUCTION ETF ETF 464288851   58,518 600 SH   SOLE   0 0 600
MICROSOFT CORP COM Stock 594918104   53,678 170 SH   SOLE   0 0 170
ROBLOX CORP CL A Stock 771049103   4,344 150 SH   SOLE   0 0 150
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   3,190 64 SH   SOLE   0 0 64
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF ETF 78464A359   174,246 2,570 SH   SOLE   0 0 2,570
SPDR GOLD SHARES ETF ETF 78463V107   5,185,505 30,245 SH   SOLE   0 0 30,245
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   12,010,748 202,610 SH   SOLE   0 0 202,610
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   10,229,551 247,929 SH   SOLE   0 0 247,929
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   1,146,881 39,116 SH   SOLE   0 0 39,116
SPDR S&P 500 ESG ETF ETF 78468R531   105,306 2,538 SH   SOLE   0 0 2,538
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF ETF 921908844   823,514 5,300 SH   SOLE   0 0 5,300
VANGUARD ESG INTERNATIONAL STOCK ETF ETF 921910725   31,021 615 SH   SOLE   0 0 615
VANGUARD ESG U.S. STOCK ETF ETF 921910733   30,088 400 SH   SOLE   0 0 400
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   11,763 300 SH   SOLE   0 0 300
VANGUARD GROWTH INDEX FUND ETF ETF 922908736   5,728,525 21,037 SH   SOLE   0 0 21,037
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   5,236,671 50,684 SH   SOLE   0 0 50,684
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   733,207 9,650 SH   SOLE   0 0 9,650
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706   7,674,788 134,292 SH   SOLE   0 0 134,292
VANGUARD LARGE-CAP INDEX FUND ETF ETF 922908637   2,927,522 14,960 SH   SOLE   0 0 14,960
VANGUARD MEGA CAP ETF ETF 921910873   184,826 1,217 SH   SOLE   0 0 1,217
VANGUARD MEGA CAP GROWTH ETF ETF 921910816   4,423,869 19,497 SH   SOLE   0 0 19,497
VANGUARD MEGA CAP VALUE ETF ETF 921910840   2,368,704 23,360 SH   SOLE   0 0 23,360
VANGUARD MID-CAP GROWTH INDEX FUND ETF ETF 922908538   264,108 1,356 SH   SOLE   0 0 1,356
VANGUARD MID-CAP INDEX FUND ETF ETF 922908629   7,512,050 36,074 SH   SOLE   0 0 36,074
VANGUARD MID-CAP VALUE INDEX FUND ETF ETF 922908512   176,141 1,345 SH   SOLE   0 0 1,345
VANGUARD S&P 500 ETF ETF 922908363   157,080 400 SH   SOLE   0 0 400
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   137,112 2,900 SH   SOLE   0 0 2,900
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   11,269,382 195,649 SH   SOLE   0 0 195,649
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   302,453 1,412 SH   SOLE   0 0 1,412
VANGUARD SMALL-CAP INDEX FUND ETF ETF 922908751   5,551,143 29,360 SH   SOLE   0 0 29,360
VANGUARD SMALL-CAP VALUE INDEX FUND ETF ETF 922908611   281,117 1,763 SH   SOLE   0 0 1,763
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   2,233,030 32,001 SH   SOLE   0 0 32,001
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   23,790 112 SH   SOLE   0 0 112
VANGUARD VALUE FUND ETF ETF 922908744   2,050,930 14,869 SH   SOLE   0 0 14,869