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
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,006 2,692 SH   SOLE 0 0 0 2,692
DISNEY WALT CO COM 254687106 477 2,631 SH   SOLE 0 0 0 2,631
PFIZER INC COM 717081103 512 13,905 SH   SOLE 0 0 0 13,905
EVERSOURCE ENERGY COM 30040W108 296 3,427 SH   SOLE 0 0 0 3,427
VANGUARD WORLD FD ESG US STK ETF 921910733 2,450 34,918 SH   SOLE 0 0 0 34,918
ISHARES TR SHRT NAT MUN ETF 464288158 5,522 51,082 SH   SOLE 0 0 0 51,082
GENERAL ELECTRIC CO COM 369604103 290 26,809 SH   SOLE 0 0 0 26,809
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 231 2,499 SH   SOLE 0 0 0 2,499
ISHARES TR NATIONAL MUN ETF 464288414 3,578 30,529 SH   SOLE 0 0 0 30,529
ABBOTT LABS COM 002824100 540 4,929 SH   SOLE 0 0 0 4,929
PEPSICO INC COM 713448108 590 3,977 SH   SOLE 0 0 0 3,977
ISHARES TR TIPS BD ETF 464287176 1,167 9,142 SH   SOLE 0 0 0 9,142
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 585 9,709 SH   SOLE 0 0 0 9,709
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 1,340 59,870 SH   SOLE 0 0 0 59,870
FS KKR CAP CORP II COM 35952V303 308 18,780 SH   SOLE 0 0 0 18,780
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,648 140,825 SH   SOLE 0 0 0 140,825
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 248 1,000 SH   SOLE 0 0 0 1,000
SPDR SER TR BLOOMBERG BRCLYS 78468R622 235 2,154 SH   SOLE 0 0 0 2,154
MCEWEN MNG INC COM 58039P107 10 10,012 SH   SOLE 0 0 0 10,012
AT&T INC COM 00206R102 338 11,737 SH   SOLE 0 0 0 11,737
ISHARES TR MSCI USA MIN VOL 46429B697 2,264 33,354 SH   SOLE 0 0 0 33,354
APPLE INC COM 037833100 5,758 43,398 SH   SOLE 0 0 0 43,398
AMAZON COM INC COM 023135106 1,957 601 SH   SOLE 0 0 0 601
QUALCOMM INC COM 747525103 258 1,691 SH   SOLE 0 0 0 1,691
MERCK & CO. INC COM 58933Y105 665 8,124 SH   SOLE 0 0 0 8,124
TRANE TECHNOLOGIES PLC SHS G8994E103 302 2,080 SH   SOLE 0 0 0 2,080
ISHARES TR MSCI USA QLT FCT 46432F339 2,402 20,668 SH   SOLE 0 0 0 20,668
ISHARES TR ESG AW MSCI EAFE 46435G516 965 13,215 SH   SOLE 0 0 0 13,215
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 12,101 145,968 SH   SOLE 0 0 0 145,968
TEXAS INSTRS INC COM 882508104 1,195 7,279 SH   SOLE 0 0 0 7,279
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 1,369 62,434 SH   SOLE 0 0 0 62,434
PROCTER AND GAMBLE CO COM 742718109 1,582 11,370 SH   SOLE 0 0 0 11,370
ISHARES TR MSCI ACWI EX US 464288240 6,002 113,153 SH   SOLE 0 0 0 113,153
ISHARES TR EAFE SML CP ETF 464288273 289 4,231 SH   SOLE 0 0 0 4,231
WALMART INC COM 931142103 527 3,657 SH   SOLE 0 0 0 3,657
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 1,336 56,581 SH   SOLE 0 0 0 56,581
ISHARES TR ESG AWRE 1 5 YR 46435G243 1,115 42,585 SH   SOLE 0 0 0 42,585
ISHARES TR ESG AWR US AGRGT 46435U549 2,605 46,068 SH   SOLE 0 0 0 46,068
INTEL CORP COM 458140100 378 7,589 SH   SOLE 0 0 0 7,589
SHERWIN WILLIAMS CO COM 824348106 331 450 SH   SOLE 0 0 0 450
VANGUARD WORLD FD ESG INTL STK ETF 921910725 900 15,191 SH   SOLE 0 0 0 15,191
ISHARES INC ESG AWR MSCI EM 46434G863 413 9,832 SH   SOLE 0 0 0 9,832
COMCAST CORP NEW CL A 20030N101 477 9,095 SH   SOLE 0 0 0 9,095
ISHARES TR SP SMCP600VL ETF 464287879 486 5,977 SH   SOLE 0 0 0 5,977
PARKER-HANNIFIN CORP COM 701094104 2,347 8,615 SH   SOLE 0 0 0 8,615
ISHARES INC MSCI EMERG MRKT 464286533 1,280 20,953 SH   SOLE 0 0 0 20,953
ISHARES TR CORE S&P SCP ETF 464287804 4,962 53,991 SH   SOLE 0 0 0 53,991
JPMORGAN CHASE & CO COM 46625H100 614 4,829 SH   SOLE 0 0 0 4,829
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,399 64,314 SH   SOLE 0 0 0 64,314
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 945 43,349 SH   SOLE 0 0 0 43,349
CISCO SYS INC COM 17275R102 200 4,479 SH   SOLE 0 0 0 4,479
BRISTOL-MYERS SQUIBB CO COM 110122108 346 5,571 SH   SOLE 0 0 0 5,571
ISHARES TR RUSSELL 3000 ETF 464287689 1,397 6,250 SH   SOLE 0 0 0 6,250
ISHARES TR 1 3 YR TREAS BD 464287457 1,030 11,924 SH   SOLE 0 0 0 11,924
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,268 21,727 SH   SOLE 0 0 0 21,727
ISHARES TR MSCI EAFE MIN VL 46429B689 1,176 16,021 SH   SOLE 0 0 0 16,021
ABBVIE INC COM 00287Y109 643 6,001 SH   SOLE 0 0 0 6,001
CHEVRON CORP NEW COM 166764100 234 2,771 SH   SOLE 0 0 0 2,771
ISHARES TR PFD AND INCM SEC 464288687 311 8,075 SH   SOLE 0 0 0 8,075
ISHARES TR S&P 100 ETF 464287101 726 4,228 SH   SOLE 0 0 0 4,228
VANGUARD INDEX FDS VALUE ETF 922908744 3,328 27,976 SH   SOLE 0 0 0 27,976
VANGUARD STAR FDS VG TL INTL STK F 921909768 14,591 242,542 SH   SOLE 0 0 0 242,542
ISHARES INC CORE MSCI EMKT 46434G103 626 10,083 SH   SOLE 0 0 0 10,083
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,958 8,445 SH   SOLE 0 0 0 8,445
ISHARES TR CALIF MUN BD ETF 464288356 841 13,388 SH   SOLE 0 0 0 13,388
GILEAD SCIENCES INC COM 375558103 282 4,846 SH   SOLE 0 0 0 4,846
D R HORTON INC COM 23331A109 345 5,006 SH   SOLE 0 0 0 5,006
VANGUARD INDEX FDS MID CAP ETF 922908629 1,473 7,124 SH   SOLE 0 0 0 7,124
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 13,419 95,056 SH   SOLE 0 0 0 95,056
BLACKSTONE GROUP INC COM CL A 09260D107 336 5,192 SH   SOLE 0 0 0 5,192
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 13,821 156,720 SH   SOLE 0 0 0 156,720
ISHARES TR CORE S&P TTL STK 464287150 347 4,024 SH   SOLE 0 0 0 4,024
ISHARES TR MRGSTR MD CP ETF 464288208 675 2,883 SH   SOLE 0 0 0 2,883
AUTOMATIC DATA PROCESSING IN COM 053015103 292 1,660 SH   SOLE 0 0 0 1,660
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,691 8,685 SH   SOLE 0 0 0 8,685
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 946 18,316 SH   SOLE 0 0 0 18,316
HOME DEPOT INC COM 437076102 767 2,889 SH   SOLE 0 0 0 2,889
VANGUARD INDEX FDS TOTAL STK MKT 922908769 29,419 151,147 SH   SOLE 0 0 0 151,147
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 1,398 65,927 SH   SOLE 0 0 0 65,927
ISHARES TR ESG AWR MSCI USA 46435G425 1,618 18,807 SH   SOLE 0 0 0 18,807
VANGUARD WORLD FD MEGA CAP INDEX 921910873 5,906 44,254 SH   SOLE 0 0 0 44,254
COCA COLA CO COM 191216100 340 6,200 SH   SOLE 0 0 0 6,200
NETFLIX INC COM 64110L106 334 618 SH   SOLE 0 0 0 618
AMGEN INC COM 031162100 239 1,039 SH   SOLE 0 0 0 1,039
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 227 1,381 SH   SOLE 0 0 0 1,381
VERIZON COMMUNICATIONS INC COM 92343V104 415 7,068 SH   SOLE 0 0 0 7,068
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,353 43,931 SH   SOLE 0 0 0 43,931
AMERICAN ELEC PWR CO INC COM 025537101 303 3,639 SH   SOLE 0 0 0 3,639
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,057 3,075 SH   SOLE 0 0 0 3,075
INTERNATIONAL BUSINESS MACHS COM 459200101 348 2,768 SH   SOLE 0 0 0 2,768
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 7,469 89,719 SH   SOLE 0 0 0 89,719
ISHARES TR S&P 500 GRWT ETF 464287309 274 4,292 SH   SOLE 0 0 0 4,292
ISHARES TR ESG AWARE MSCI 46435U663 225 6,606 SH   SOLE 0 0 0 6,606
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 8,225 160,958 SH   SOLE 0 0 0 160,958
ISHARES TR RUS 1000 ETF 464287622 320 1,510 SH   SOLE 0 0 0 1,510
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,139 15,931 SH   SOLE 0 0 0 15,931
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 1,404 64,113 SH   SOLE 0 0 0 64,113
VANGUARD WORLD FDS INF TECH ETF 92204A702 235 664 SH   SOLE 0 0 0 664
DOMINION ENERGY INC COM 25746U109 289 3,841 SH   SOLE 0 0 0 3,841
ISHARES TR RUS 1000 GRW ETF 464287614 410 1,702 SH   SOLE 0 0 0 1,702
MICROSOFT CORP COM 594918104 2,376 10,683 SH   SOLE 0 0 0 10,683
ISHARES TR CORE MSCI EAFE 46432F842 594 8,603 SH   SOLE 0 0 0 8,603
ISHARES TR RUSSELL 2000 ETF 464287655 228 1,162 SH   SOLE 0 0 0 1,162
BANK NEW YORK MELLON CORP COM 064058100 330 7,775 SH   SOLE 0 0 0 7,775
MCDONALDS CORP COM 580135101 1,103 5,142 SH   SOLE 0 0 0 5,142
ISHARES TR GLOBAL REIT ETF 46434V647 2,206 92,168 SH   SOLE 0 0 0 92,168
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 1,413 63,108 SH   SOLE 0 0 0 63,108
GENERAL DYNAMICS CORP COM 369550108 4,674 31,405 SH   SOLE 0 0 0 31,405
WEST PHARMACEUTICAL SVSC INC COM 955306105 3,931 13,875 SH   SOLE 0 0 0 13,875
ISHARES TR MSCI EAFE ETF 464287465 771 10,565 SH   SOLE 0 0 0 10,565
TEXAS PAC LD TR SUB CTF PROP I T 882610108 643 884 SH   SOLE 0 0 0 884
ISHARES TR EAFE VALUE ETF 464288877 4,268 90,422 SH   SOLE 0 0 0 90,422
ISHARES TR ISHS 1-5YR INVS 464288646 672 12,175 SH   SOLE 0 0 0 12,175
SPDR SER TR NUVEEN BLMBRG SR 78468R739 4,130 82,938 SH   SOLE 0 0 0 82,938
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 382 6,200 SH   SOLE 0 0 0 6,200
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,742 174,459 SH   SOLE 0 0 0 174,459
ISHARES TR CORE S&P500 ETF 464287200 473 1,259 SH   SOLE 0 0 0 1,259
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 10,121 172,861 SH   SOLE 0 0 0 172,861
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 1,391 61,454 SH   SOLE 0 0 0 61,454
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,532 45,882 SH   SOLE 0 0 0 45,882
ISHARES TR SHORT TREAS BD 464288679 2,039 18,448 SH   SOLE 0 0 0 18,448
ISHARES TR MSCI USA MMENTM 46432F396 4,802 29,773 SH   SOLE 0 0 0 29,773
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,567 57,305 SH   SOLE 0 0 0 57,305
JOHNSON & JOHNSON COM 478160104 1,342 8,526 SH   SOLE 0 0 0 8,526
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,680 46,970 SH   SOLE 0 0 0 46,970