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   177,041,287 430,674 SH   SOLE   0 0 430,674
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   166,736,871 3,691,319 SH   SOLE   0 0 3,691,319
ISHARES TR CORE S&P MCP ETF 464287507   89,520,215 357,852 SH   SOLE   0 0 357,852
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   80,181,446 1,639,032 SH   SOLE   0 0 1,639,032
ISHARES TR BARCLAYS 7 10 YR 464287440   74,282,132 749,416 SH   SOLE   0 0 749,416
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771   47,295,363 1,016,012 SH   SOLE   0 0 1,016,012
ISHARES TR INTRM TR CRP ETF 464288638   43,708,349 852,347 SH   SOLE   0 0 852,347
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   38,838,371 961,346 SH   SOLE   0 0 961,346
ISHARES TR CORE S&P SCP ETF 464287804   29,103,851 300,971 SH   SOLE   0 0 300,971
ISHARES TR ESG MSCI USA ETF 46435G425   25,679,102 283,904 SH   SOLE   0 0 283,904
ISHARES TR NATIONAL MUN ETF 464288414   17,793,088 165,148 SH   SOLE   0 0 165,148
ISHARES TR ESG MSCI EAFE 46435G516   15,298,564 212,953 SH   SOLE   0 0 212,953
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,123,306 63,270 SH   SOLE   0 0 63,270
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,937,846 60,046 SH   SOLE   0 0 60,046
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406   3,922,785 37,183 SH   SOLE   0 0 37,183
ISHARES INC ESG MSCI EM ETF 46435G863   3,669,329 116,561 SH   SOLE   0 0 116,561
ISHARES TR SH TR CRPORT ETF 464288646   3,481,415 68,884 SH   SOLE   0 0 68,884
ISHARES TR CORE US AGGBD ET 464287226   3,348,345 33,604 SH   SOLE   0 0 33,604
ISHARES TR ESG MSCI USA SML 46435U663   2,834,741 83,399 SH   SOLE   0 0 83,399
VANGUARD WHITEHALL FDS INC INTL HIGH ETF 921946794   2,743,150 44,280 SH   SOLE   0 0 44,280
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,326,828 18,136 SH   SOLE   0 0 18,136
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,154,809 5,658 SH   SOLE   0 0 5,658
ISHARES TR ESG MSCI USA ETF 46436E767   1,015,236 30,700 SH   SOLE   0 0 30,700
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   978,137 6,477 SH   SOLE   0 0 6,477
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   554,831 7,254 SH   SOLE   0 0 7,254
ISHARES TR JPMORGAN USD EMG 464288281   543,876 6,304 SH   SOLE   0 0 6,304
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   529,942 2,719 SH   SOLE   0 0 2,719
VANGUARD STAR FDS VG TL INTL STK F 921909768   496,905 9,000 SH   SOLE   0 0 9,000
ISHARES TR SHRT NAT MUN ETF 464288158   473,159 4,520 SH   SOLE   0 0 4,520
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   470,215 3,507 SH   SOLE   0 0 3,507
VANGUARD INDEX FDS SML CP GRW ETF 922908595   407,649 1,884 SH   SOLE   0 0 1,884
VANGUARD INDEX FDS SM CP VAL ETF 922908611   394,316 2,484 SH   SOLE   0 0 2,484
VANGUARD INDEX FDS GROWTH ETF 922908736   391,642 1,570 SH   SOLE   0 0 1,570
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   381,504 2,947 SH   SOLE   0 0 2,947
ISHARES TR ESG AWR US AGRGT 46435U549   364,915 7,593 SH   SOLE   0 0 7,593
SPDR SER TR PORTFOLIO INTRMD 78464A375   357,316 10,998 SH   SOLE   0 0 10,998
SPDR SER TR RUSSELL YIELD 78468R770   344,373 3,652 SH   SOLE   0 0 3,652
ISHARES TR BROAD USD HIGH 46435U853   341,755 9,613 SH   SOLE   0 0 9,613
WISDOMTREE TR EMER MKT HIGH FD 97717W315   323,557 8,546 SH   SOLE   0 0 8,546
ISHARES TR ESG EAFE ETF 46436E759   322,135 5,406 SH   SOLE   0 0 5,406
WISDOMTREE TR US SMALLCAP DIVD 97717W604   306,077 10,717 SH   SOLE   0 0 10,717
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   290,699 1,944 SH   SOLE   0 0 1,944
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   281,053 8,742 SH   SOLE   0 0 8,742
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   240,042 2,372 SH   SOLE   0 0 2,372
VANGUARD INDEX FDS VALUE ETF 922908744   226,859 1,643 SH   SOLE   0 0 1,643
ISHARES TR ISHARES TR 46434V381   222,266 4,218 SH   SOLE   0 0 4,218
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   216,076 3,727 SH   SOLE   0 0 3,727
ISHARES TR CORE MSCI EAFE 46432F842   201,820 3,019 SH   SOLE   0 0 3,019