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
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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
ISHARES TR CORE S&P500 ETF 464287200   177,770,006 432,446 SH   SOLE   0 0 432,446
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   61,986,878 1,372,302 SH   SOLE   0 0 1,372,302
ISHARES TR CORE S&P MCP ETF 464287507   58,032,424 231,981 SH   SOLE   0 0 231,981
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407   49,086,786 513,392 SH   SOLE   0 0 513,392
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   39,136,409 254,116 SH   SOLE   0 0 254,116
ISHARES TR CORE S&P SCP ETF 464287804   28,830,371 298,142 SH   SOLE   0 0 298,142
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   14,106,035 405,346 SH   SOLE   0 0 405,346
VANGUARD INDEX FDS GROWTH ETF 922908736   10,441,309 41,859 SH   SOLE   0 0 41,859
SPDR S&P 500 ETF TR TR UNIT 78462F103   9,445,700 23,073 SH   SOLE   0 0 23,073
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   8,920,687 184,426 SH   SOLE   0 0 184,426
APPLE INC COM 037833100   8,519,559 51,665 SH   SOLE   0 0 51,665
VANGUARD INDEX FDS VALUE ETF 922908744   7,369,826 53,362 SH   SOLE   0 0 53,362
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   6,900,969 255,119 SH   SOLE   0 0 255,119
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   5,752,112 115,970 SH   SOLE   0 0 115,970
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,044,378 84,522 SH   SOLE   0 0 84,522
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   2,437,162 26,465 SH   SOLE   0 0 26,465
ISHARES TR ESG AWR MSCI USA 46435G425   2,345,279 25,929 SH   SOLE   0 0 25,929
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,826,727 24,969 SH   SOLE   0 0 24,969
ISHARES TR RUSSELL 3000 ETF 464287689   1,782,916 7,574 SH   SOLE   0 0 7,574
MICROSOFT CORP COM 594918104   1,513,864 5,251 SH   SOLE   0 0 5,251
MONDELEZ INTL INC CL A 609207105   1,239,064 17,772 SH   SOLE   0 0 17,772
ISHARES TR ESG AW MSCI EAFE 46435G516   1,021,565 14,220 SH   SOLE   0 0 14,220
ISHARES TR SP SMCP600VL ETF 464287879   1,013,955 10,834 SH   SOLE   0 0 10,834
PHILIP MORRIS INTL INC COM 718172109   944,979 9,717 SH   SOLE   0 0 9,717
ISHARES TR RUS 1000 GRW ETF 464287614   941,893 3,855 SH   SOLE   0 0 3,855
GRACO INC COM 384109104   848,085 11,616 SH   SOLE   0 0 11,616
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   843,232 12,428 SH   SOLE   0 0 12,428
ISHARES TR ESG AWARE MSCI 46435U663   646,592 19,023 SH   SOLE   0 0 19,023
ISHARES TR CORE MSCI EAFE 46432F842   601,249 8,994 SH   SOLE   0 0 8,994
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   544,671 1,764 SH   SOLE   0 0 1,764
FORD MTR CO DEL COM 345370860   497,082 39,451 SH   SOLE   0 0 39,451
MORNINGSTAR INC COM 617700109   460,879 2,270 SH   SOLE   0 0 2,270
INTERNATIONAL BUSINESS MACHS COM 459200101   448,883 3,424 SH   SOLE   0 0 3,424
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   351,119 8,374 SH   SOLE   0 0 8,374
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   309,670 6,154 SH   SOLE   0 0 6,154
LULULEMON ATHLETICA INC COM 550021109   303,735 834 SH   SOLE   0 0 834
ISHARES TR CORE DIV GRWTH 46434V621   298,891 5,979 SH   SOLE   0 0 5,979
ILLINOIS TOOL WKS INC COM 452308109   298,714 1,227 SH   SOLE   0 0 1,227
PROCTER AND GAMBLE CO COM 742718109   297,630 2,002 SH   SOLE   0 0 2,002
CHEVRON CORP NEW COM 166764100   295,107 1,809 SH   SOLE   0 0 1,809
STRYKER CORPORATION COM 863667101   280,332 982 SH   SOLE   0 0 982
NEW YORK CMNTY BANCORP INC COM 649445103   243,791 26,968 SH   SOLE   0 0 26,968
HONEYWELL INTL INC COM 438516106   232,402 1,216 SH   SOLE   0 0 1,216
MCDONALDS CORP COM 580135101   211,945 758 SH   SOLE   0 0 758
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   200,070 532 SH   SOLE   0 0 532
INVESCO MUN OPPORTUNITY TR COM 46132C107   196,200 20,000 SH   SOLE   0 0 20,000
DNP SELECT INCOME FD INC COM 23325P104   157,465 14,289 SH   SOLE   0 0 14,289