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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P500 ETF 464287200   186,984,478 419,520 SH   SOLE   0 0 419,520
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   168,627,624 3,651,529 SH   SOLE   0 0 3,651,529
ISHARES TR CORE S&P MCP ETF 464287507   93,340,974 356,972 SH   SOLE   0 0 356,972
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   80,435,477 1,645,570 SH   SOLE   0 0 1,645,570
ISHARES TR BARCLAYS 7 10 YR 464287440   72,142,110 746,813 SH   SOLE   0 0 746,813
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771   46,768,404 1,016,925 SH   SOLE   0 0 1,016,925
ISHARES TR INTRM TR CRP ETF 464288638   42,831,513 846,975 SH   SOLE   0 0 846,975
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   39,991,646 983,079 SH   SOLE   0 0 983,079
ISHARES TR CORE S&P SCP ETF 464287804   30,497,238 306,044 SH   SOLE   0 0 306,044
ISHARES TR ESG MSCI USA ETF 46435G425   28,944,491 296,988 SH   SOLE   0 0 296,988
ISHARES TR NATIONAL MUN ETF 464288414   17,545,527 164,392 SH   SOLE   0 0 164,392
ISHARES TR ESG MSCI EAFE 46435G516   15,777,518 216,338 SH   SOLE   0 0 216,338
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,344,963 84,656 SH   SOLE   0 0 84,656
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   5,778,244 86,127 SH   SOLE   0 0 86,127
ISHARES TR CORE US AGGBD ET 464287226   4,540,141 46,352 SH   SOLE   0 0 46,352
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406   4,036,390 38,054 SH   SOLE   0 0 38,054
ISHARES INC ESG MSCI EM ETF 46435G863   4,000,094 126,465 SH   SOLE   0 0 126,465
ISHARES TR SH TR CRPORT ETF 464288646   3,404,050 67,850 SH   SOLE   0 0 67,850
ISHARES TR ESG MSCI USA SML 46435U663   3,197,440 90,018 SH   SOLE   0 0 90,018
VANGUARD WHITEHALL FDS INC INTL HIGH ETF 921946794   2,804,787 44,380 SH   SOLE   0 0 44,380
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,469,601 20,237 SH   SOLE   0 0 20,237
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,327,436 6,026 SH   SOLE   0 0 6,026
ISHARES TR ESG MSCI USA ETF 46436E767   1,286,527 35,787 SH   SOLE   0 0 35,787
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,247,827 7,177 SH   SOLE   0 0 7,177
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   769,414 3,739 SH   SOLE   0 0 3,739
ISHARES TR JPMORGAN USD EMG 464288281   745,256 8,612 SH   SOLE   0 0 8,612
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   703,520 5,084 SH   SOLE   0 0 5,084
ISHARES TR SHRT NAT MUN ETF 464288158   686,744 6,601 SH   SOLE   0 0 6,601
ISHARES TR ESG AWR US AGRGT 46435U549   683,292 14,486 SH   SOLE   0 0 14,486
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   683,227 9,041 SH   SOLE   0 0 9,041
VANGUARD INDEX FDS SML CP GRW ETF 922908595   596,893 2,598 SH   SOLE   0 0 2,598
VANGUARD INDEX FDS SM CP VAL ETF 922908611   583,672 3,529 SH   SOLE   0 0 3,529
VANGUARD STAR FDS VG TL INTL STK F 921909768   539,128 9,614 SH   SOLE   0 0 9,614
VANGUARD INDEX FDS GROWTH ETF 922908736   493,103 1,743 SH   SOLE   0 0 1,743
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   464,945 3,503 SH   SOLE   0 0 3,503
ISHARES TR BROAD USD HIGH 46435U853   452,587 12,821 SH   SOLE   0 0 12,821
SPDR SER TR PORTFOLIO INTRMD 78464A375   443,660 13,817 SH   SOLE   0 0 13,817
SPDR SER TR RUSSELL YIELD 78468R770   386,564 4,057 SH   SOLE   0 0 4,057
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   383,843 2,260 SH   SOLE   0 0 2,260
ISHARES TR ESG EAFE ETF 46436E759   381,694 6,267 SH   SOLE   0 0 6,267
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   353,866 10,497 SH   SOLE   0 0 10,497
WISDOMTREE TR EMER MKT HIGH FD 97717W315   353,502 9,237 SH   SOLE   0 0 9,237
WISDOMTREE TR US SMALLCAP DIVD 97717W604   346,485 12,035 SH   SOLE   0 0 12,035
VANGUARD INDEX FDS VALUE ETF 922908744   319,665 2,250 SH   SOLE   0 0 2,250
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   296,509 2,763 SH   SOLE   0 0 2,763
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   277,216 4,260 SH   SOLE   0 0 4,260
ISHARES TR ISHARES TR 46434V381   257,530 4,632 SH   SOLE   0 0 4,632
SPDR SER TR PORTFOLIO LN COR 78464A367   230,798 9,923 SH   SOLE   0 0 9,923
ISHARES TR CORE MSCI EAFE 46432F842   226,382 3,354 SH   SOLE   0 0 3,354
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   221,009 9,365 SH   SOLE   0 0 9,365
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   209,354 7,284 SH   SOLE   0 0 7,284
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   207,177 2,728 SH   SOLE   0 0 2,728