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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM COM 037833100 37 322 SH   SOLE NONE 0 0 322
AVIS BUDGET GROUP COM COM 053774105 0 27 SH   SOLE NONE 0 0 27
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 2,430 11,412 SH   SOLE NONE 0 0 11,412
BOSTON SCIENTIFIC CORP COM COM 101137107 2 73 SH   SOLE NONE 0 0 73
CARNIVAL CORP PAIRED CTF UNIT 99/99/9999 143658300 1 100 SH   SOLE NONE 0 0 100
CHEVRON CORP NEW COM COM 166764100 7 100 SH   SOLE NONE 0 0 100
ECOFIN GLOBAL WATER ESG FUND ECOFIN GBL WATER 56167N753 3 98 SH   SOLE NONE 0 0 98
EMERSON ELEC CO COM COM 291011104 6 100 SH   SOLE NONE 0 0 100
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF MSCI INFO TECH I 316092808 1,931 20,983 SH   SOLE NONE 0 0 20,983
FIRST TRUST ENHANCED SHORT MATURITY ETF FIRST TR ENH NEW 33739Q408 3,471 57,840 SH   SOLE NONE 0 0 57,840
FIRST TRUST HEALTH CARE ALPHADEX FUND HLTH CARE ALPH 33734X143 17 184 SH   SOLE NONE 0 0 184
FIRST TRUST LOW DURATION MORTGAGE OPPORTUNITIES ETF FST LOW OPPT EFT 33739Q200 1,386 26,831 SH   SOLE NONE 0 0 26,831
FORD MTR CO DEL COM COM 345370860 0 100 SH   SOLE NONE 0 0 100
GOODYEAR TIRE & RUBR CO COM COM 382550101 7 919 SH   SOLE NONE 0 0 919
INTERPUBLIC GROUP COS INC COM COM 460690100 3 184 SH   SOLE NONE 0 0 184
INVESCO CURRENCYSHARES CANADIAN DOLLAR TRUST CDN DLR SHS 46138T104 19 269 SH   SOLE NONE 0 0 269
INVESCO FTSE RAFI US 1000 ETF FTSE RAFI 1000 46137V613 19 174 SH   SOLE NONE 0 0 174
INVESCO QQQ TRUST UNIT SER 1 46090E103 10,707 38,537 SH   SOLE NONE 0 0 38,537
INVESCO S&P 500 LOW VOLATILITY ETF S&P500 LOW VOL 46138E354 27 510 SH   SOLE NONE 0 0 510
INVESCO S&P GLOBAL WATER INDEX ETF S&P GBL WATER 46138E263 2 67 SH   SOLE NONE 0 0 67
INVESCO ULTRA SHORT DURATION ETF ULTRA SHRT DUR 46090A887 89 1,762 SH   SOLE NONE 0 0 1,762
ISHARES 20 YEAR TREASURY BOND ETF 20 YR TR BD ETF 464287432 20 125 SH   SOLE NONE 0 0 125
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 45 751 SH   SOLE NONE 0 0 751
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 4,074 77,166 SH   SOLE NONE 0 0 77,166
ISHARES ESG AWARE MSCI USA ETF ESG AWR MSCI USA 46435G425 40 531 SH   SOLE NONE 0 0 531
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ESG AWARE MSCI 46435U663 2 95 SH   SOLE NONE 0 0 95
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF EXPANDED TECH 464287515 2,496 8,024 SH   SOLE NONE 0 0 8,024
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 6,195 45,995 SH   SOLE NONE 0 0 45,995
ISHARES MODERATE ALLOCATION FUND MODERT ALLOC ETF 464289875 2,957 72,054 SH   SOLE NONE 0 0 72,054
ISHARES MSCI ACWI LOW CARBON TARGET ETF MSCI LW CRB TG 46434V464 3 25 SH   SOLE NONE 0 0 25
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF MSCI GBL MIN VOL 464286525 7,373 80,220 SH   SOLE NONE 0 0 80,220
ISHARES MSCI KLD 400 SOCIAL ETF MSCI KLD400 SOC 464288570 2 19 SH   SOLE NONE 0 0 19
ISHARES MSCI USA ESG SELECT ETF MSCI USA ESG SLC 464288802 24 165 SH   SOLE NONE 0 0 165
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 7,456 117,002 SH   SOLE NONE 0 0 117,002
ISHARES MSCI USA QUALITY FACTOR ETF MSCI USA QLT FCT 46432F339 224 2,164 SH   SOLE NONE 0 0 2,164
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 2,874 13,252 SH   SOLE NONE 0 0 13,252
ISHARES RUSSELL 2000 GROWTH ETF RUS 2000 GRW ETF 464287648 2,618 11,821 SH   SOLE NONE 0 0 11,821
ISHARES RUSSELL MID-CAP ETF RUS MID CAP ETF 464287499 1,618 28,199 SH   SOLE NONE 0 0 28,199
ISHARES RUSSELL MID-CAP GROWTH ETF RUS MD CP GR ETF 464287481 7,635 44,171 SH   SOLE NONE 0 0 44,171
ISHARES S&P AGGRESSIVE ALLOCATION FUND AGGRES ALLOC ETF 464289859 0 7 SH   SOLE NONE 0 0 7
ISHARES S&P GLOBAL CLEAN ENERGY INDEX FUND GL CLEAN ENE ETF 464288224 9 496 SH   SOLE NONE 0 0 496
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 12 171 SH   SOLE NONE 0 0 171
ISHARES SHORT MATURITY BOND ETF SHT MAT BD ETF 46431W507 19 388 SH   SOLE NONE 0 0 388
ISHARES SHORT TREASURY BOND ETF SHORT TREAS BD 464288679 6 58 SH   SOLE NONE 0 0 58
LUMENTUM HLDGS INC COM COM 55024U109 0 3 SH   SOLE NONE 0 0 3
MICROSOFT CORP COM COM 594918104 145 690 SH   SOLE NONE 0 0 690
ORACLE CORP COM COM 68389X105 60 1,019 SH   SOLE NONE 0 0 1,019
PEPSICO INC COM COM 713448108 15 111 SH   SOLE NONE 0 0 111
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ENHAN SHRT MA AC 72201R833 3,150 30,901 SH   SOLE NONE 0 0 30,901
SPDR BLOOMBERG BARCLAYS 1-3 MONTH T-BILL ETF SPDR BLOOMBERG 78468R663 128 1,402 SH   SOLE NONE 0 0 1,402
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF BLOOMBERG BRCLYS 78468R622 3,761 36,072 SH   SOLE NONE 0 0 36,072
SPDR PORTFOLIO EMERGING MARKETS ETF PORTFOLIO EMG MK 78463X509 27 757 SH   SOLE NONE 0 0 757
SPDR PORTFOLIO S&P 500 ETF PORTFOLIO S&P500 78464A854 1,912 48,602 SH   SOLE NONE 0 0 48,602
SPDR PORTFOLIO S&P 500 GROWTH ETF PRTFLO S&P500 GW 78464A409 1,927 38,463 SH   SOLE NONE 0 0 38,463
SPDR S&P 400 MID CAP GROWTH ETF S&P 400 MDCP GRW 78464A821 1,917 33,414 SH   SOLE NONE 0 0 33,414
SPDR S&P 500 ETF TR UNIT 78462F103 10,265 30,652 SH   SOLE NONE 0 0 30,652
SPDR S&P 500 FOSSIL FUEL RESERVES FREE ETF SPDR S&P 500 ETF 78468R796 3 43 SH   SOLE NONE 0 0 43
SPDR SSGA GENDER DIVERSITY INDEX ETF SSGA GNDER ETF 78468R747 3 43 SH   SOLE NONE 0 0 43
SPDR SSGA ULTRA SHORT TERM BOND ETF ULT SHT TRM BD 78467V707 955 23,641 SH   SOLE NONE 0 0 23,641
SPDR SSGA US LARGE CAP LOW VOLATILITY INDEX ETF SSGA US LRG ETF 78468R804 0 9 SH   SOLE NONE 0 0 9
TARGET CORP COM COM 87612E106 78 500 SH   SOLE NONE 0 0 500
TESLA INC COM COM 88160R101 20 47 SH   SOLE NONE 0 0 47
VANGUARD DIVIDEND APPRECIATION INDEX FUND DIV APP ETF 921908844 5,693 44,252 SH   SOLE NONE 0 0 44,252
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ALLWRLD EX US 922042775 52 1,044 SH   SOLE NONE 0 0 1,044
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 1,404 32,485 SH   SOLE NONE 0 0 32,485
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 24 470 SH   SOLE NONE 0 0 470
VANGUARD GROWTH INDEX FUND GROWTH ETF 922908736 27,035 118,782 SH   SOLE NONE 0 0 118,782
VANGUARD INFORMATION TECHNOLOGY INDEX FUND INF TECH ETF 92204A702 347 1,117 SH   SOLE NONE 0 0 1,117
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 7,268 75,875 SH   SOLE NONE 0 0 75,875
VANGUARD MEGA CAP ETF MEGA CAP INDEX 921910873 105 881 SH   SOLE NONE 0 0 881
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 50 608 SH   SOLE NONE 0 0 608
VANGUARD SMALL-CAP INDEX FUND SMALL CP ETF 922908751 68 448 SH   SOLE NONE 0 0 448
VANGUARD TOTAL INTERNATIONAL BOND ETF INTL BD IDX ETF 92203J407 5 90 SH   SOLE NONE 0 0 90
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 523 3,073 SH   SOLE NONE 0 0 3,073
VERIZON COMMUNICATIONS INC COM COM 92343V104 100 1,692 SH   SOLE NONE 0 0 1,692
VIAVI SOLUTIONS INC COM COM 925550105 0 17 SH   SOLE NONE 0 0 17
WISDOMTREE FLOATING RATE TREASURY FUND FLOATNG RAT TREA 97717X628 2,423 96,515 SH   SOLE NONE 0 0 96,515
WYNDHAM DESTINATIONS INC COM COM 98310W108 1 55 SH   SOLE NONE 0 0 55
WYNDHAM HOTELS & RESORTS INC COM COM 98311A105 2 55 SH   SOLE NONE 0 0 55
XTRACKERS MSCI USA ESG LEADERS EQUITY ETF XTRCKR MSCI US 233051150 6 198 SH   SOLE NONE 0 0 198