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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P500 ETF 464287200 189,779 418,302 SH   SOLE   0 0 418,302
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 79,715 1,659,695 SH   SOLE   0 0 1,659,695
ISHARES TR CORE S&P MCP ETF 464287507 60,466 225,332 SH   SOLE   0 0 225,332
J P MORGAN EXCHANGE-TRADED F JPMORGAN DIVER 46641Q407 55,201 528,391 SH   SOLE   0 0 528,391
ISHARES TR CORE S&P SCP ETF 464287804 50,597 469,015 SH   SOLE   0 0 469,015
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 42,481 261,974 SH   SOLE   0 0 261,974
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 29,208 633,167 SH   SOLE   0 0 633,167
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,558 450,910 SH   SOLE   0 0 450,910
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 12,528 326,948 SH   SOLE   0 0 326,948
VANGUARD INDEX FDS GROWTH ETF 922908736 12,377 43,037 SH   SOLE   0 0 43,037
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,738 217,979 SH   SOLE   0 0 217,979
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,671 23,627 SH   SOLE   0 0 23,627
APPLE INC COM 037833100 9,137 52,326 SH   SOLE   0 0 52,326
VANGUARD INDEX FDS VALUE ETF 922908744 8,376 56,677 SH   SOLE   0 0 56,677
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 7,559 150,370 SH   SOLE   0 0 150,370
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,832 109,226 SH   SOLE   0 0 109,226
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,125 26,941 SH   SOLE   0 0 26,941
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,074 4,996 SH   SOLE   0 0 4,996
ISHARES TR RUSSELL 3000 ETF 464287689 1,987 7,574 SH   SOLE   0 0 7,574
ISHARES TR ESG AWR MSCI USA 46435G425 1,526 15,055 SH   SOLE   0 0 15,055
MICROSOFT CORP COM 594918104 1,465 4,753 SH   SOLE   0 0 4,753
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,233 16,242 SH   SOLE   0 0 16,242
MONDELEZ INTL INC CL A 609207105 1,210 19,277 SH   SOLE   0 0 19,277
ISHARES TR SP SMCP600VL ETF 464287879 1,111 10,852 SH   SOLE   0 0 10,852
GRACO INC COM 384109104 1,077 15,446 SH   SOLE   0 0 15,446
ISHARES TR RUS 1000 GRW ETF 464287614 1,020 3,675 SH   SOLE   0 0 3,675
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,004 21,196 SH   SOLE   0 0 21,196
PHILIP MORRIS INTL INC COM 718172109 938 9,982 SH   SOLE   0 0 9,982
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 890 32,046 SH   SOLE   0 0 32,046
ISHARES TR CORE MSCI EAFE 46432F842 726 10,451 SH   SOLE   0 0 10,451
FORD MTR CO DEL COM 345370860 700 41,383 SH   SOLE   0 0 41,383
ISHARES TR ESG AW MSCI EAFE 46435G516 569 7,720 SH   SOLE   0 0 7,720
LULULEMON ATHLETICA INC COM 550021109 466 1,277 SH   SOLE   0 0 1,277
ISHARES TR ESG AWARE MSCI 46435U663 437 11,501 SH   SOLE   0 0 11,501
INTERNATIONAL BUSINESS MACHS COM 459200101 373 2,869 SH   SOLE   0 0 2,869
PROCTER AND GAMBLE CO COM 742718109 357 2,336 SH   SOLE   0 0 2,336
ISHARES TR CORE DIV GRWTH 46434V621 340 6,360 SH   SOLE   0 0 6,360
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 332 940 SH   SOLE   0 0 940
HONEYWELL INTL INC COM 438516106 314 1,616 SH   SOLE   0 0 1,616
CHEVRON CORP NEW COM 166764100 295 1,809 SH   SOLE   0 0 1,809
STRYKER CORPORATION COM 863667101 259 969 SH   SOLE   0 0 969
ILLINOIS TOOL WKS INC COM 452308109 257 1,227 SH   SOLE   0 0 1,227
ISHARES TR CORE S&P TTL STK 464287150 247 2,448 SH   SOLE   0 0 2,448
ISHARES INC ESG AWR MSCI EM 46434G863 209 5,684 SH   SOLE   0 0 5,684
DTE ENERGY CO COM 233331107 209 1,580 SH   SOLE   0 0 1,580
DNP SELECT INCOME FD INC COM 23325P104 169 14,289 SH   SOLE   0 0 14,289