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
INVESCO QQQ TRUST UNIT SER 1 46090E103 290 911 SH   SOLE None 911 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 27,393 132,533 SH   SOLE None 132,533 0 0
WISDOMTREE FLOATING RATE TREASURY FUND FLOATNG RAT TREA 97717X628 2,165 86,282 SH   SOLE None 86,282 0 0
BOSTON SCIENTIFIC CORP COM COM 101137107 2 73 SH   SOLE None 73 0 0
ISHARES MSCI USA ESG SELECT ETF MSCI USA ESG SLC 464288802 10 116 SH   SOLE None 116 0 0
CARNIVAL CORP PAIRED CTF UNIT 99/99/9999 143658300 2 100 SH   SOLE None 100 0 0
ISHARES S and P AGGRESSIVE ALLOCATION FUND AGGRES ALLOC ETF 464289859 0 7 SH   SOLE None 7 0 0
SUN LIFE FINANCIAL INC. COM COM 866796105 0 0 SH   SOLE None 0 0 0
SPDR S and P 500 ETF TR UNIT 78462F103 3,707 9,355 SH   SOLE None 9,355 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 100 1,730 SH   SOLE None 1,730 0 0
PEPSICO INC COM COM 713448108 15 111 SH   SOLE None 111 0 0
ISHARES 1.3 YEAR TREASURY BOND ETF 1 3 YR TREAS BD 464287457 768 8,905 SH   SOLE None 8,905 0 0
VIAVI SOLUTIONS INC COM COM 925550105 0 17 SH   SOLE None 17 0 0
ISHARES MODERATE ALLOCATION FUND MODERT ALLOC ETF 464289875 3,204 73,592 SH   SOLE None 73,592 0 0
FORD MTR CO DEL COM COM 345370860 1 100 SH   SOLE None 100 0 0
ISHARES ESG AWARE MSCI USA ETF ESG AWR MSCI USA 46435G425 10 112 SH   SOLE None 112 0 0
ISHARES RUSSELL 2000 VALUE ETF RUS 2000 VAL ETF 464287630 2,887 18,106 SH   SOLE None 18,106 0 0
JPMORGAN ULTRA SHORT INCOME ETF ULTRA SHRT INC 46641Q837 14 290 SH   SOLE None 290 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE TRADED FUND ENHAN SHRT MA AC 72201R833 2,826 27,738 SH   SOLE None 27,738 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF BROAD USD HIGH 46435U853 34 838 SH   SOLE None 838 0 0
ISHARES S and P SMALL CAP FUND CORE S&P SCP ETF 464287804 9,464 87,203 SH   SOLE None 87,203 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 3,060 11,978 SH   SOLE None 11,978 0 0
VANGUARD INTERMEDIATE TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 1 16 SH   SOLE None 16 0 0
MICROSOFT CORP COM COM 594918104 163 694 SH   SOLE None 694 0 0
WYNDHAM HOTELS and RESORTS INC COM COM 98311A105 3 55 SH   SOLE None 55 0 0
VANGUARD SMALL CAP INDEX FUND SMALL CP ETF 922908751 4,825 22,542 SH   SOLE None 22,542 0 0
XTRACKERS MSCI USA ESG LEADERS EQUITY ETF XTRCKR MSCI US 233051150 10 278 SH   SOLE None 278 0 0
SPDR S and P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107 14 30 SH   SOLE None 30 0 0
ISHARES 0 5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 14 140 SH   SOLE None 140 0 0
INVESCO ULTRA SHORT DURATION ETF ULTRA SHRT DUR 46090A887 78 1,560 SH   SOLE None 1,560 0 0
SPDR S and P 400 MID CAP GROWTH ETF S&P 400 MDCP GRW 78464A821 2 31 SH   SOLE None 31 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 7,930 35,896 SH   SOLE None 35,896 0 0
TRAVEL PLUS LEISURE CO COM COM 894164102 3 55 SH   SOLE None 55 0 0
INVESCO S and P 500 LOW VOLATILITY ETF S&P500 LOW VOL 46138E354 29 510 SH   SOLE None 510 0 0
PIMCO 0 5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE TRADED FUND 0-5 HIGH YIELD 72201R783 130 1,319 SH   SOLE None 1,319 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF MSCI EMERG MRKT 464286533 3 59 SH   SOLE None 59 0 0
INVESCO FTSE RAFI US 1000 ETF FTSE RAFI 1000 46137V613 48 318 SH   SOLE None 318 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF MSCI EAFE MIN VL 46429B689 15 209 SH   SOLE None 209 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 0 0 SH   SOLE None 0 0 0
SPDR BLOOMBERG BARCLAYS SHORT TERM HIGH YIELD BOND ETF BLOOMBERG SRT TR 78468R408 1,705 62,419 SH   SOLE None 62,419 0 0
ISHARES CORE S and P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150 10,955 119,598 SH   SOLE None 119,598 0 0
VANGUARD SHORT TERM INFLATION PROTECTED SECURITIES ETF STRM INFPROIDX 922020805 3,693 71,670 SH   SOLE None 71,670 0 0
INVESCO FTSE RAFI US 1500A SMALL MIDA ETF FTSE RAFI 1500 46137V597 14 80 SH   SOLE None 80 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 2,411 33,467 SH   SOLE None 33,467 0 0
GOODYEAR TIRE and RUBR CO COM COM 382550101 16 919 SH   SOLE None 919 0 0
ISHARES SHORT TREASURY BOND ETF SHORT TREAS BD 464288679 39 357 SH   SOLE None 357 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 9,371 145,610 SH   SOLE None 145,610 0 0
VANGUARD TOTAL BOND MARKET INDEX FUND TOTAL BND MRKT 921937835 4 55 SH   SOLE None 55 0 0
ISHARES RUSSELL 2000 GROWTH ETF RUS 2000 GRW ETF 464287648 1,549 5,151 SH   SOLE None 5,151 0 0
INVESCO CURRENCYSHARES CANADIAN DOLLAR TRUST CDN DLR SHS 46138T104 21 269 SH   SOLE None 269 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF INTL BD IDX ETF 92203J407 5 90 SH   SOLE None 90 0 0
ISHARES RUSSELL MID CAP ETF RUS MID CAP ETF 464287499 2,120 28,681 SH   SOLE None 28,681 0 0
SPDR SSGA US LARGE CAP LOW VOLATILITY INDEX ETF SSGA US LRG ETF 78468R804 1 9 SH   SOLE None 9 0 0
ISHARES MSCI USA QUALITY FACTOR ETF MSCI USA QLT FCT 46432F339 240 1,976 SH   SOLE None 1,976 0 0
ISHARES EXPANDED TECH SOFTWARE SECTOR ETF EXPANDED TECH 464287515 51 152 SH   SOLE None 152 0 0
BLACKROCK SHORT MATURITY BOND ETF BLACKROCK ST MAT 46431W507 34 681 SH   SOLE None 681 0 0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF MSCI INFO TECH I 316092808 2 19 SH   SOLE None 19 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF PORTFOLIO EMG MK 78463X509 14 332 SH   SOLE None 332 0 0
CHEVRON CORP NEW COM COM 166764100 10 100 SH   SOLE None 100 0 0
ORACLE CORP COM COM 68389X105 71 1,019 SH   SOLE None 1,019 0 0
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 2,050 39,393 SH   SOLE None 39,393 0 0
TARGET CORP COM COM 87612E106 99 500 SH   SOLE None 500 0 0
ISHARES IBOXX INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 32 252 SH   SOLE None 252 0 0
SPDR SSGA ULTRA SHORT TERM BOND ETF ULT SHT TRM BD 78467V707 857 21,192 SH   SOLE None 21,192 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND DIV APP ETF 921908844 8,442 57,404 SH   SOLE None 57,404 0 0
ISHARES 20 YEAR TREASURY BOND ETF 20 YR TR BD ETF 464287432 16 125 SH   SOLE None 125 0 0
SPDR PORTFOLIO S and P 500 ETF PORTFOLIO S&P500 78464A854 2,252 48,331 SH   SOLE None 48,331 0 0
BLACKROCK ULTRA SHORT TERM BOND ETF BLACKROCK ULTRA 46434V878 14 291 SH   SOLE None 291 0 0
FIRST TRUST ENHANCED SHORT MATURITY ETF FIRST TR ENH NEW 33739Q408 14 245 SH   SOLE None 245 0 0
ISHARES S and P SMALL CAP 600 VALUE ETF SP SMCP600VL ETF 464287879 2,053 20,389 SH   SOLE None 20,389 0 0
ISHARES ASIA 50 ETF ASIA 50 ETF 464288430 3,715 40,304 SH   SOLE None 40,304 0 0
ISHARES S and P MID CAP 400 VALUE ETF S&P MC 400VL ETF 464287705 1,976 19,387 SH   SOLE None 19,387 0 0
VANGUARD SHORT TERM BOND INDEX FUND SHORT TRM BOND 921937827 56 689 SH   SOLE None 689 0 0
SPDR PORTFOLIO S and P 500 GROWTH ETF PRTFLO S&P500 GW 78464A409 1 35 SH   SOLE None 35 0 0
FIDELITY TOTAL BOND ETF TOTAL BD ETF 316188309 138 2,647 SH   SOLE None 2,647 0 0
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF BLOOMBERG BRCLYS 78468R622 2,269 20,855 SH   SOLE None 20,855 0 0
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF JPMORGAN USD EMG 464288281 1,789 16,434 SH   SOLE None 16,434 0 0
ISHARES MSCI ACWI INDEX FUND MSCI ACWI ETF 464288257 1 19 SH   SOLE None 19 0 0
AVIS BUDGET GROUP COM COM 053774105 1 27 SH   SOLE None 27 0 0
LUMENTUM HLDGS INC COM COM 55024U109 0 3 SH   SOLE None 3 0 0
ISHARES S and P GLOBAL CLEAN ENERGY INDEX FUND GL CLEAN ENE ETF 464288224 12 496 SH   SOLE None 496 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 32 424 SH   SOLE None 424 0 0
SPDR BLOOMBERG BARCLAYS 1 3 MONTH T BILL ETF SPDR BLOOMBERG 78468R663 128 1,402 SH   SOLE None 1,402 0 0