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
ALPHA ARCHITECT 1-3 MONTH BOX ETF ETF 02072L565   3,513 33 SH   SOLE   0 0 33
ALPHABET INC CAP STK CL A Stock 02079K305   66,409 440 SH   SOLE   0 0 440
AMAZON COM INC COM Stock 023135106   50,506 280 SH   SOLE   0 0 280
BLACKROCK FLEXIBLE INCOME ETF ETF 092528603   4,059,565 77,384 SH   SOLE   0 0 77,384
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878   933,540 18,464 SH   SOLE   0 0 18,464
COLUMBIA U.S. ESG EQUITY INCOME ETF ETF 19761L300   75,974 1,706 SH   SOLE   0 0 1,706
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   152,000 1,610 SH   SOLE   0 0 1,610
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   13,296 90 SH   SOLE   0 0 90
INVESCO QQQ TRUST SERIES I ETF 46090E103   2,220 5 SH   SOLE   0 0 5
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407   70,420 1,655 SH   SOLE   0 0 1,655
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621   1,177,805 20,286 SH   SOLE   0 0 20,286
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   1,224,881 23,738 SH   SOLE   0 0 23,738
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834   17,101 252 SH   SOLE   0 0 252
ISHARES CORE S&P 500 ETF ETF 464287200   2,017,226 3,837 SH   SOLE   0 0 3,837
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613   1,018,025 22,330 SH   SOLE   0 0 22,330
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   2,291,404 23,396 SH   SOLE   0 0 23,396
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ETF 46435G243   229,378 9,370 SH   SOLE   0 0 9,370
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ETF 46435U663   280,078 6,955 SH   SOLE   0 0 6,955
ISHARES ESG AWARE USD CORPORATE BOND ETF ETF 46435G193   472,100 20,535 SH   SOLE   0 0 20,535
ISHARES ESG SCREENED S&P MID-CAP ETF ETF 46436E551   36,274 883 SH   SOLE   0 0 883
ISHARES ESG SCREENED S&P SMALL-CAP ETF ETF 46436E544   18,880 482 SH   SOLE   0 0 482
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4   466,306 18,615 SH   SOLE   0 0 18,615
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1   420,033 16,930 SH   SOLE   0 0 16,930
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   218,466 9,160 SH   SOLE   0 0 9,160
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9   216,580 9,100 SH   SOLE   0 0 9,100
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515   138,472 5,560 SH   SOLE   0 0 5,560
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205   142,625 6,250 SH   SOLE   0 0 6,250
ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726   89,880 4,200 SH   SOLE   0 0 4,200
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   5,255,148 132,505 SH   SOLE   0 0 132,505
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   5,983,068 71,585 SH   SOLE   0 0 71,585
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   11,646,827 70,866 SH   SOLE   0 0 70,866
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF ETF 464287556   16,878 123 SH   SOLE   0 0 123
ISHARES S&P MID-CAP FUND ETF ETF 464287507   918,085 15,115 SH   SOLE   0 0 15,115
ISHARES S&P SMALL-CAP FUND ETF ETF 464287804   533,148 4,824 SH   SOLE   0 0 4,824
ISHARES U.S. OIL & GAS EXPLORATION & PRODUCTION ETF ETF 464288851   0 0 SH   SOLE   0 0 0
MICROSOFT CORP COM Stock 594918104   71,522 170 SH   SOLE   0 0 170
ROBLOX CORP CL A Stock 771049103   5,727 150 SH   SOLE   0 0 150
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF ETF 78464A359   187,713 2,570 SH   SOLE   0 0 2,570
SPDR GOLD SHARES ETF ETF 78463V107   6,603,818 32,101 SH   SOLE   0 0 32,101
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   5,160,706 83,873 SH   SOLE   0 0 83,873
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   14,833,759 202,785 SH   SOLE   0 0 202,785
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   12,117,286 241,862 SH   SOLE   0 0 241,862
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   1,144,686 38,451 SH   SOLE   0 0 38,451
SPDR S&P 500 ESG ETF ETF 78468R531   172,075 3,398 SH   SOLE   0 0 3,398
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF ETF 921908844   967,833 5,300 SH   SOLE   0 0 5,300
VANGUARD ESG INTERNATIONAL STOCK ETF ETF 921910725   35,344 615 SH   SOLE   0 0 615
VANGUARD ESG U.S. STOCK ETF ETF 921910733   37,276 400 SH   SOLE   0 0 400
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   12,531 300 SH   SOLE   0 0 300
VANGUARD GROWTH INDEX FUND ETF ETF 922908736   7,215,044 20,962 SH   SOLE   0 0 20,962
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   5,969,284 49,337 SH   SOLE   0 0 49,337
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   728,938 9,054 SH   SOLE   0 0 9,054
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706   7,193,629 122,863 SH   SOLE   0 0 122,863
VANGUARD LARGE-CAP INDEX FUND ETF ETF 922908637   3,403,633 14,196 SH   SOLE   0 0 14,196
VANGUARD MEGA CAP ETF ETF 921910873   102,592 549 SH   SOLE   0 0 549
VANGUARD MEGA CAP GROWTH ETF ETF 921910816   5,548,196 19,358 SH   SOLE   0 0 19,358
VANGUARD MEGA CAP VALUE ETF ETF 921910840   2,789,961 23,345 SH   SOLE   0 0 23,345
VANGUARD MID-CAP GROWTH INDEX FUND ETF ETF 922908538   319,731 1,356 SH   SOLE   0 0 1,356
VANGUARD MID-CAP INDEX FUND ETF ETF 922908629   8,797,071 35,208 SH   SOLE   0 0 35,208
VANGUARD MID-CAP VALUE INDEX FUND ETF ETF 922908512   189,431 1,215 SH   SOLE   0 0 1,215
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771   91,220 2,000 SH   SOLE   0 0 2,000
VANGUARD S&P 500 ETF ETF 922908363   192,280 400 SH   SOLE   0 0 400
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   10,732,846 184,826 SH   SOLE   0 0 184,826
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   428,139 1,642 SH   SOLE   0 0 1,642
VANGUARD SMALL-CAP INDEX FUND ETF ETF 922908751   6,763,350 29,587 SH   SOLE   0 0 29,587
VANGUARD SMALL-CAP VALUE INDEX FUND ETF ETF 922908611   338,208 1,763 SH   SOLE   0 0 1,763
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   303,600 6,000 SH   SOLE   0 0 6,000
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   1,728,013 23,792 SH   SOLE   0 0 23,792
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   29,109 112 SH   SOLE   0 0 112
VANGUARD VALUE FUND ETF ETF 922908744   2,339,053 14,362 SH   SOLE   0 0 14,362