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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AIRBNB INC COM CL A 009066101   361,155 2,818 SH   SOLE   0 0 2,818
AMAZON INC COM 023135106   759,217 5,824 SH   SOLE   0 0 5,824
APPLE INC COM 037833100   5,126,122 26,427 SH   SOLE   0 0 26,427
CHEVRON CORP NEW COM COM 166764100   367,421 2,335 SH   SOLE   0 0 2,335
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   13,826,511 158,379 SH   SOLE   0 0 158,379
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,970,679 19,693 SH   SOLE   0 0 19,693
HOME DEPOT INC COM COM 437076102   265,595 855 SH   SOLE   0 0 854
ISHARES TR CORE S&P 500 ETF 464287200   2,124,463 4,766 SH   SOLE   0 0 4,766
ISHARES TR CORE US AGGBD ET 464287226   19,393,670 197,996 SH   SOLE   0 0 197,995
ISHARES TR MSCI EAFE ETF 464287465   937,498 12,931 SH   SOLE   0 0 12,931
ISHARES TR CORE S&P MCP ETF 464287507   1,166,201 4,460 SH   SOLE   0 0 4,460
ISHARES TR RUS 2000 VAL ETF 464287630   4,031,730 28,634 SH   SOLE   0 0 28,634
ISHARES TR CORE S&P SCP ETF 464287804   392,688 3,941 SH   SOLE   0 0 3,940
ISHARES TR SHRT NAT MUN ETF 464288158   1,069,427 10,279 SH   SOLE   0 0 10,279
ISHARES TR MSCI USA ESG SLC 464288802   216,027 2,307 SH   SOLE   0 0 2,307
ISHARES TR AGGRES ALLOC ETF 464289859   2,692,699 40,589 SH   SOLE   0 0 40,589
ISHARES TR MODERT ALLOC ETF 464289875   514,338 12,728 SH   SOLE   0 0 12,728
ISHARES TR CONSER ALLOC ETF 464289883   3,875,376 109,971 SH   SOLE   0 0 109,970
MARSH & MCLENNAN COS INC 571748102   621,040 3,302 SH   SOLE   0 0 3,302
MICROSOFT CORP COM 594918104   1,049,302 3,081 SH   SOLE   0 0 3,081
SCHWAB STRATEGIC TR SCHWB FDT INTL LG 808524755   497,460 15,406 SH   SOLE   0 0 15,406
STARBUCKS CORP COM 855244109   253,082 2,555 SH   SOLE   0 0 2,554
VANGUARD INDEX FDS VALUE ETF 921908844   364,818 2,246 SH   SOLE   0 0 2,246
VANGUARD BD INDEX FDS SHORT TRM BND 921937827   5,325,539 70,472 SH   SOLE   0 0 70,471
VANGUARD BD INDEX FDS TOTAL BD MRKT 921937835   690,196 9,495 SH   SOLE   0 0 9,495
VANGUARD TAX-MANATGED INTL FD FTSE DEV MKT ETF 921943858   4,175,261 90,413 SH   SOLE   0 0 90,412
VANGUARD MALVERN FDS STRM INFOPRO IDX 922020805   10,762,965 226,971 SH   SOLE   0 0 226,971
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   11,945,838 219,552 SH   SOLE   0 0 219,552
VANGUARD INTL EQUITY INDEX FD FTSE EMR MKT ETF 922042858   4,625,162 113,696 SH   SOLE   0 0 113,696
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   231,012 4,600 SH   SOLE   0 0 4,600
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   371,032 911 SH   SOLE   0 0 911
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,814,217 21,712 SH   SOLE   0 0 21,711
VANGUARD INDEX FDS LARGE CAP ETF 922908637   255,736 1,262 SH   SOLE   0 0 1,261
VANGUARD VALUE ETF ETF 922908744   506,160 3,562 SH   SOLE   0 0 3,562
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,435,344 6,516 SH   SOLE   0 0 6,516
INVESCO QQQ TR UNIT SER 1 46090E103   785,756 2,127 SH   SOLE   0 0 2,127
ALPHABET INC CAP STK CL C 02079K107   370,894 3,066 SH   SOLE   0 0 3,066
ALPHABET INC CAP STK CL A 02079K305   642,191 5,365 SH   SOLE   0 0 5,365
COSTCO WHSL CORP NEW COM 22160K105   208,891 388 SH   SOLE   0 0 388
META PLATFORMS INC CL A 30303M102   355,568 1,239 SH   SOLE   0 0 1,239
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   6,615,433 279,368 SH   SOLE   0 0 279,367
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   244,961 1,637 SH   SOLE   0 0 1,637
ISHARES TR 0-5 YR TIPS ETF 46429B747   974,536 9,985 SH   SOLE   0 0 9,985
ISUARES TR MSCI USA VALUE 46432F388   422,851 4,508 SH   SOLE   0 0 4,508
PIMCO ETF TR 1-5 US TIP IDX 72201R205   6,309,230 125,432 SH   SOLE   0 0 125,432
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   699,318 7,010 SH   SOLE   0 0 7,010
TESLA INC COM 88160R101   262,555 1,003 SH   SOLE   0 0 1,003