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
AFLAC INC COM 001055102 10,785 206,889 SH   SOLE   0 0 206,889
AIR PRODS & CHEMS INC COM 009158106 787 3,072 SH   SOLE   0 0 3,072
ALBEMARLE CORP COM 012653101 449 2,049 SH   SOLE   0 0 2,049
AMAZON COM INC COM 023135106 4,372 1,331 SH   SOLE   0 0 1,331
AMERICAN ELEC PWR CO INC COM 025537101 545 6,711 SH   SOLE   0 0 6,711
AMERICAN EXPRESS CO COM 025816109 424 2,531 SH   SOLE   0 0 2,531
AMERICAN INTL GROUP INC COM NEW 026874784 381 6,933 SH   SOLE   0 0 6,933
AMGEN INC COM 031162100 1,669 7,849 SH   SOLE   0 0 7,849
AMPHENOL CORP NEW CL A 032095101 202 2,753 SH   SOLE   0 0 2,753
APPLIED MATLS INC COM 038222105 281 2,180 SH   SOLE   0 0 2,180
ARCHER DANIELS MIDLAND CO COM 039483102 11,116 185,229 SH   SOLE   0 0 185,229
ATMOS ENERGY CORP COM 049560105 10,028 113,692 SH   SOLE   0 0 113,692
AUTODESK INC COM 052769106 228 799 SH   SOLE   0 0 799
AUTOMATIC DATA PROCESSING IN COM 053015103 11,326 56,652 SH   SOLE   0 0 56,652
BANCO BRADESCO S A SP ADR PFD NEW 059460303 82 21,484 SH   SOLE   0 0 21,484
BK OF AMERICA CORP COM 060505104 381 8,965 SH   SOLE   0 0 8,965
BAXTER INTL INC COM 071813109 245 3,047 SH   SOLE   0 0 3,047
BECTON DICKINSON & CO COM 075887109 303 1,235 SH   SOLE   0 0 1,235
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,739 10,037 SH   SOLE   0 0 10,037
BIO RAD LABS INC CL A 090572207 275 368 SH   SOLE   0 0 368
CIGNA CORP NEW COM 125523100 240 1,198 SH   SOLE   0 0 1,198
CVS HEALTH CORP COM 126650100 251 2,961 SH   SOLE   0 0 2,961
CAMDEN PPTY TR SH BEN INT 133131102 2,793 18,936 SH   SOLE   0 0 18,936
CANADIAN NATL RY CO COM 136375102 245 2,120 SH   SOLE   0 0 2,120
CATERPILLAR INC COM 149123101 440 2,293 SH   SOLE   0 0 2,293
CHEVRON CORP NEW COM 166764100 1,115 10,990 SH   SOLE   0 0 10,990
CINCINNATI FINL CORP COM 172062101 271 2,376 SH   SOLE   0 0 2,376
CITIGROUP INC COM NEW 172967424 404 5,751 SH   SOLE   0 0 5,751
CLOROX CO DEL COM 189054109 9,910 59,841 SH   SOLE   0 0 59,841
CONSOLIDATED EDISON INC COM 209115104 10,708 147,510 SH   SOLE   0 0 147,510
CUMMINS INC COM 231021106 336 1,496 SH   SOLE   0 0 1,496
DBX ETF TR XTRACK USD HIGH 233051432 851 21,238 SH   SOLE   0 0 21,238
DANAHER CORPORATION COM 235851102 1,240 4,074 SH   SOLE   0 0 4,074
DISNEY WALT CO COM 254687106 463 2,736 SH   SOLE   0 0 2,736
DOW INC COM 260557103 323 5,610 SH   SOLE   0 0 5,610
EMERSON ELEC CO COM 291011104 395 4,189 SH   SOLE   0 0 4,189
FASTENAL CO COM 311900104 384 7,441 SH   SOLE   0 0 7,441
FEDERAL RLTY INVT TR SH BEN INT NEW 313747206 219 1,858 SH   SOLE   0 0 1,858
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 579 10,303 SH   SOLE   0 0 10,303
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 405 7,551 SH   SOLE   0 0 7,551
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 412 6,456 SH   SOLE   0 0 6,456
FRANKLIN RESOURCES INC COM 354613101 10,647 358,237 SH   SOLE   0 0 358,237
GENERAL DYNAMICS CORP COM 369550108 11,544 58,887 SH   SOLE   0 0 58,887
GENERAL ELECTRIC CO COM NEW 369604301 867 8,412 SH   SOLE   0 0 8,412
GENUINE PARTS CO COM 372460105 277 2,283 SH   SOLE   0 0 2,283
HOME DEPOT INC COM 437076102 603 1,837 SH   SOLE   0 0 1,837
HONEYWELL INTL INC COM 438516106 1,466 6,907 SH   SOLE   0 0 6,907
HORMEL FOODS CORP COM 440452100 9,739 237,529 SH   SOLE   0 0 237,529
HUBSPOT INC COM 443573100 211 312 SH   SOLE   0 0 312
ILLINOIS TOOL WKS INC COM 452308109 10,265 49,677 SH   SOLE   0 0 49,677
INTEL CORP COM 458140100 1,415 26,554 SH   SOLE   0 0 26,554
INTERNATIONAL BUSINESS MACHS COM 459200101 599 4,310 SH   SOLE   0 0 4,310
INTUIT COM 461202103 583 1,081 SH   SOLE   0 0 1,081
ISHARES TR CORE S&P TTL STK 464287150 804 8,173 SH   SOLE   0 0 8,173
ISHARES TR CORE S&P500 ETF 464287200 40,864 94,853 SH   SOLE   0 0 94,853
ISHARES TR CORE US AGGBD ET 464287226 458 3,985 SH   SOLE   0 0 3,985
ISHARES TR MSCI EMG MKT ETF 464287234 964 19,142 SH   SOLE   0 0 19,142
ISHARES TR IBOXX INV CP ETF 464287242 305 2,292 SH   SOLE   0 0 2,292
ISHARES TR S&P 500 GRWT ETF 464287309 1,041 14,088 SH   SOLE   0 0 14,088
ISHARES TR S&P 500 VAL ETF 464287408 550 3,784 SH   SOLE   0 0 3,784
ISHARES TR BARCLAYS 7 10 YR 464287440 40,354 350,234 SH   SOLE   0 0 350,234
ISHARES TR MSCI EAFE ETF 464287465 1,642 21,047 SH   SOLE   0 0 21,047
ISHARES TR RUS MD CP GR ETF 464287481 212 1,894 SH   SOLE   0 0 1,894
ISHARES TR RUS MID CAP ETF 464287499 1,650 21,089 SH   SOLE   0 0 21,089
ISHARES TR CORE S&P MCP ETF 464287507 6,094 23,163 SH   SOLE   0 0 23,163
ISHARES TR RUS 1000 VAL ETF 464287598 21,404 136,758 SH   SOLE   0 0 136,758
ISHARES TR RUS 1000 GRW ETF 464287614 30,178 110,124 SH   SOLE   0 0 110,124
ISHARES TR RUS 1000 ETF 464287622 1,257 5,202 SH   SOLE   0 0 5,202
ISHARES TR RUS 2000 GRW ETF 464287648 387 1,319 SH   SOLE   0 0 1,319
ISHARES TR RUSSELL 2000 ETF 464287655 1,660 7,588 SH   SOLE   0 0 7,588
ISHARES TR CORE S&P SCP ETF 464287804 7,048 64,552 SH   SOLE   0 0 64,552
ISHARES TR SP SMCP600VL ETF 464287879 764 7,585 SH   SOLE   0 0 7,585
ISHARES TR SHRT NAT MUN ETF 464288158 12,860 119,549 SH   SOLE   0 0 119,549
ISHARES TR MSCI ACWI ETF 464288257 892 8,925 SH   SOLE   0 0 8,925
ISHARES TR JPMORGAN USD EMG 464288281 92,459 840,075 SH   SOLE   0 0 840,075
ISHARES TR NATIONAL MUN ETF 464288414 4,207 36,215 SH   SOLE   0 0 36,215
ISHARES TR ISHS 1-5YR INVS 464288646 37,890 693,458 SH   SOLE   0 0 693,458
ISHARES TR 3 7 YR TREAS BD 464288661 74,216 570,147 SH   SOLE   0 0 570,147
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106 70 13,287 SH   SOLE   0 0 13,287
JOHNSON & JOHNSON COM 478160104 2,359 14,608 SH   SOLE   0 0 14,608
KIMBERLY-CLARK CORP COM 494368103 291 2,199 SH   SOLE   0 0 2,199
LAM RESEARCH CORP COM 512807108 620 1,090 SH   SOLE   0 0 1,090
LEAR CORP COM NEW 521865204 264 1,689 SH   SOLE   0 0 1,689
LILLY ELI & CO COM 532457108 1,140 4,936 SH   SOLE   0 0 4,936
LOCKHEED MARTIN CORP COM 539830109 934 2,706 SH   SOLE   0 0 2,706
LOWES COS INC COM 548661107 320 1,576 SH   SOLE   0 0 1,576
MCDONALDS CORP COM 580135101 12,215 50,662 SH   SOLE   0 0 50,662
MICROSOFT CORP COM 594918104 6,799 24,116 SH   SOLE   0 0 24,116
MICRON TECHNOLOGY INC COM 595112103 249 3,502 SH   SOLE   0 0 3,502
MONDELEZ INTL INC CL A 609207105 401 6,897 SH   SOLE   0 0 6,897
MORGAN STANLEY COM NEW 617446448 462 4,750 SH   SOLE   0 0 4,750
NIKE INC CL B 654106103 993 6,840 SH   SOLE   0 0 6,840
NOVO-NORDISK A S ADR 670100205 520 5,417 SH   SOLE   0 0 5,417
PPG INDS INC COM 693506107 1,152 8,057 SH   SOLE   0 0 8,057
PAYCHEX INC COM 704326107 382 3,397 SH   SOLE   0 0 3,397
PEPSICO INC COM 713448108 631 4,193 SH   SOLE   0 0 4,193
PFIZER INC COM 717081103 632 14,690 SH   SOLE   0 0 14,690
PHILIP MORRIS INTL INC COM 718172109 900 9,495 SH   SOLE   0 0 9,495
PHILLIPS 66 COM 718546104 957 13,669 SH   SOLE   0 0 13,669
PROCTER AND GAMBLE CO COM 742718109 2,461 17,604 SH   SOLE   0 0 17,604
PROGRESSIVE CORP COM 743315103 983 10,872 SH   SOLE   0 0 10,872
QUALCOMM INC COM 747525103 1,051 8,146 SH   SOLE   0 0 8,146
SAP SE SPON ADR 803054204 384 2,840 SH   SOLE   0 0 2,840
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,396 23,066 SH   SOLE   0 0 23,066
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 418 4,017 SH   SOLE   0 0 4,017
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 456,404 3,081,939 SH   SOLE   0 0 3,081,939
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 401,674 5,952,478 SH   SOLE   0 0 5,952,478
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,971 38,750 SH   SOLE   0 0 38,750
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,321 23,191 SH   SOLE   0 0 23,191
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 260,574 8,549,016 SH   SOLE   0 0 8,549,016
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 222 6,876 SH   SOLE   0 0 6,876
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,404 42,755 SH   SOLE   0 0 42,755
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 255 4,725 SH   SOLE   0 0 4,725
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 610 11,388 SH   SOLE   0 0 11,388
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 216 5,587 SH   SOLE   0 0 5,587
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 147,182 3,544,825 SH   SOLE   0 0 3,544,825
SMITH A O CORP COM 831865209 10,107 165,493 SH   SOLE   0 0 165,493
SOUTHERN CO COM 842587107 771 12,440 SH   SOLE   0 0 12,440
SOUTHWEST AIRLS CO COM 844741108 204 3,973 SH   SOLE   0 0 3,973
STARBUCKS CORP COM 855244109 417 3,781 SH   SOLE   0 0 3,781
SYSCO CORP COM 871829107 361 4,602 SH   SOLE   0 0 4,602
TJX COS INC NEW COM 872540109 556 8,434 SH   SOLE   0 0 8,434
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 603 5,397 SH   SOLE   0 0 5,397
TEXAS INSTRS INC COM 882508104 1,764 9,180 SH   SOLE   0 0 9,180
THERMO FISHER SCIENTIFIC INC COM 883556102 970 1,697 SH   SOLE   0 0 1,697
TRACTOR SUPPLY CO COM 892356106 228 1,124 SH   SOLE   0 0 1,124
UNION PAC CORP COM 907818108 327 1,668 SH   SOLE   0 0 1,668
UNITED PARCEL SERVICE INC CL B 911312106 296 1,626 SH   SOLE   0 0 1,626
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 606 3,944 SH   SOLE   0 0 3,944
VANGUARD STAR FDS VG TL INTL STK F 921909768 207 3,280 SH   SOLE   0 0 3,280
VANGUARD WORLD FD ESG US STK ETF 921910733 4,223 52,751 SH   SOLE   0 0 52,751
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 233 875 SH   SOLE   0 0 875
VANGUARD BD INDEX FDS INTERMED TERM 921937819 473 5,293 SH   SOLE   0 0 5,293
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 580 7,074 SH   SOLE   0 0 7,074
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,479 52,418 SH   SOLE   0 0 52,418
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 282 5,582 SH   SOLE   0 0 5,582
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 9,571 122,229 SH   SOLE   0 0 122,229
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,862 51,331 SH   SOLE   0 0 51,331
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 9,378 92,101 SH   SOLE   0 0 92,101
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,600 59,056 SH   SOLE   0 0 59,056
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 33,329 666,461 SH   SOLE   0 0 666,461
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 285,160 3,518,749 SH   SOLE   0 0 3,518,749
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 376,226 5,734,281 SH   SOLE   0 0 5,734,281
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 17,685 322,889 SH   SOLE   0 0 322,889
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,220 3,094 SH   SOLE   0 0 3,094
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 505 2,136 SH   SOLE   0 0 2,136
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 246 2,417 SH   SOLE   0 0 2,417
VANGUARD INDEX FDS SML CP GRW ETF 922908595 154,916 552,959 SH   SOLE   0 0 552,959
VANGUARD INDEX FDS SM CP VAL ETF 922908611 218,102 1,288,564 SH   SOLE   0 0 1,288,564
VANGUARD INDEX FDS MID CAP ETF 922908629 654 2,763 SH   SOLE   0 0 2,763
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,074 10,324 SH   SOLE   0 0 10,324
VANGUARD INDEX FDS GROWTH ETF 922908736 137,285 473,121 SH   SOLE   0 0 473,121
VANGUARD INDEX FDS VALUE ETF 922908744 130,970 967,494 SH   SOLE   0 0 967,494
VANGUARD INDEX FDS SMALL CP ETF 922908751 778 3,559 SH   SOLE   0 0 3,559
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,251 32,653 SH   SOLE   0 0 32,653
VICI PPTYS INC COM 925652109 243 8,542 SH   SOLE   0 0 8,542
WALMART INC COM 931142103 1,758 12,611 SH   SOLE   0 0 12,611
WEYERHAEUSER CO MTN BE COM NEW 962166104 325 9,140 SH   SOLE   0 0 9,140
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 339 658 SH   SOLE   0 0 658
RAYTHEON TECHNOLOGIES CORP COM 75513E105 564 6,562 SH   SOLE   0 0 6,562
INVESCO QQQ TR UNIT SER 1 46090E107 6,758 18,879 SH   SOLE   0 0 18,879
TARGET CORP COM 87612E110 1,374 6,006 SH   SOLE   0 0 6,006
EDWARDS LIFESCIENCES CORP COM 28176E112 313 2,768 SH   SOLE   0 0 2,768
AT&T INC COM 00206R102 646 23,899 SH   SOLE   0 0 23,899
ARK ETF TR AUTNMUS TECHNLGY 00214Q203 498 6,379 SH   SOLE   0 0 6,379
ACTIVISION BLIZZARD INC COM 00507V109 898 11,609 SH   SOLE   0 0 11,609
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,504 2,612 SH   SOLE   0 0 2,612
AGILENT TECHNOLOGIES INC COM 00846U101 354 2,245 SH   SOLE   0 0 2,245
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 442 2,984 SH   SOLE   0 0 2,984
ALPHABET INC CAP STK CL C 02079K107 2,468 926 SH   SOLE   0 0 926
ALPHABET INC CAP STK CL A 02079K305 1,567 586 SH   SOLE   0 0 586
AMBEV SA SPONSORED ADR 02319V103 35 12,671 SH   SOLE   0 0 12,671
AMERICAN TOWER CORP NEW COM 03027X100 1,308 4,928 SH   SOLE   0 0 4,928
AMERIPRISE FINL INC COM 03076C106 233 882 SH   SOLE   0 0 882
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 86 13,088 SH   SOLE   0 0 13,088
BIOGEN INC COM 09062X103 204 721 SH   SOLE   0 0 721
BLACKROCK INC COM 09247X101 219 262 SH   SOLE   0 0 262
BOOKING HOLDINGS INC COM 09857L108 491 207 SH   SOLE   0 0 207
BROADCOM INC COM 11135F101 689 1,422 SH   SOLE   0 0 1,422
CBRE GROUP INC CL A 12504L109 211 2,167 SH   SOLE   0 0 2,167
CGI INC CL A SUB VTG 12532H104 236 2,781 SH   SOLE   0 0 2,781
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 332 3,812 SH   SOLE   0 0 3,812
CISCO SYS INC COM 17275R102 1,940 35,637 SH   SOLE   0 0 35,637
COMCAST CORP NEW CL A 20030N101 848 15,157 SH   SOLE   0 0 15,157
CONOCOPHILLIPS COM 20825C104 2,541 37,499 SH   SOLE   0 0 37,499
CORTEVA INC COM 22052L104 372 8,839 SH   SOLE   0 0 8,839
COSTCO WHSL CORP NEW COM 22160K105 886 1,972 SH   SOLE   0 0 1,972
CROWN CASTLE INTL CORP NEW COM 22822V101 291 1,678 SH   SOLE   0 0 1,678
D R HORTON INC COM 23331A109 219 2,610 SH   SOLE   0 0 2,610
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 1,306 43,347 SH   SOLE   0 0 43,347
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 8,939 309,182 SH   SOLE   0 0 309,182
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 1,144 41,968 SH   SOLE   0 0 41,968
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 549 9,541 SH   SOLE   0 0 9,541
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 3,187 71,761 SH   SOLE   0 0 71,761
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 24,108 907,368 SH   SOLE   0 0 907,368
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 640 19,551 SH   SOLE   0 0 19,551
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 10,031 387,595 SH   SOLE   0 0 387,595
DOMINOS PIZZA INC COM 25754A201 275 576 SH   SOLE   0 0 576
DUKE ENERGY CORP NEW COM NEW 26441C204 505 5,172 SH   SOLE   0 0 5,172
DUPONT DE NEMOURS INC COM 26614N102 949 13,962 SH   SOLE   0 0 13,962
ENTERGY CORP NEW COM 29364G103 400 4,029 SH   SOLE   0 0 4,029
EQUINIX INC COM 29444U700 377 478 SH   SOLE   0 0 478
EQUINOR ASA SPONSORED ADR 29446M102 285 11,186 SH   SOLE   0 0 11,186
EXPONENT INC COM 30214U102 231 2,045 SH   SOLE   0 0 2,045
FACEBOOK INC CL A 30303M102 2,181 6,425 SH   SOLE   0 0 6,425
FREEPORT-MCMORAN INC CL B 35671D857 286 8,790 SH   SOLE   0 0 8,790
GOLDMAN SACHS GROUP INC COM 38141G104 293 774 SH   SOLE   0 0 774
HDFC BANK LTD SPONSORED ADS 40415F101 320 4,372 SH   SOLE   0 0 4,372
IDEANOMICS INC COM 45166V106 20 10,045 SH   SOLE   0 0 10,045
INTUITIVE SURGICAL INC COM NEW 46120E602 237 238 SH   SOLE   0 0 238
ISHARES TR US TREAS BD ETF 46429B267 837 31,560 SH   SOLE   0 0 31,560
ISHARES TR MSCI USA MIN VOL 46429B697 452 6,152 SH   SOLE   0 0 6,152
ISHARES TR CORE MSCI EAFE 46432F842 1,624 21,870 SH   SOLE   0 0 21,870
ISHARES INC CORE MSCI EMKT 46434G103 580 9,394 SH   SOLE   0 0 9,394
ISHARES INC ESG AWR MSCI EM 46434G863 1,064 25,681 SH   SOLE   0 0 25,681
ISHARES TR EXPONENTIAL TECH 46434V381 226 3,599 SH   SOLE   0 0 3,599
ISHARES TR CORE MSCI PAC 46434V696 10,867 162,285 SH   SOLE   0 0 162,285
ISHARES TR CORE MSCI EURO 46434V738 22,959 409,548 SH   SOLE   0 0 409,548
ISHARES TR ESG AWRE 1 5 YR 46435G243 427 16,454 SH   SOLE   0 0 16,454
ISHARES TR ESG AWR MSCI USA 46435G425 230 2,335 SH   SOLE   0 0 2,335
ISHARES TR FALN ANGLS USD 46435G474 11,339 376,600 SH   SOLE   0 0 376,600
ISHARES TR ESG AW MSCI EAFE 46435G516 3,639 46,431 SH   SOLE   0 0 46,431
ISHARES TR ESG AWARE MSCI 46435U663 1,094 28,044 SH   SOLE   0 0 28,044
JPMORGAN CHASE & CO COM 46625H100 1,279 7,813 SH   SOLE   0 0 7,813
JD.COM INC SPON ADR CL A 47215P106 419 5,802 SH   SOLE   0 0 5,802
KEYSIGHT TECHNOLOGIES INC COM 49338L103 308 1,876 SH   SOLE   0 0 1,876
MANULIFE FINL CORP COM 56501R106 242 12,574 SH   SOLE   0 0 12,574
MASTERCARD INCORPORATED CL A 57636Q104 1,352 3,889 SH   SOLE   0 0 3,889
MERCK & CO INC COM 58933Y105 1,494 19,885 SH   SOLE   0 0 19,885
METLIFE INC COM 59156R108 286 4,641 SH   SOLE   0 0 4,641
MONSTER BEVERAGE CORP NEW COM 61174X109 229 2,575 SH   SOLE   0 0 2,575
NETAPP INC COM 64110D104 243 2,706 SH   SOLE   0 0 2,706
NETFLIX INC COM 64110L106 626 1,026 SH   SOLE   0 0 1,026
NEXTERA ENERGY INC COM 65339F101 278 3,543 SH   SOLE   0 0 3,543
NOVARTIS AG SPONSORED ADR 66987V109 459 5,619 SH   SOLE   0 0 5,619
NVIDIA CORPORATION COM 67066G104 2,221 10,721 SH   SOLE   0 0 10,721
NUTRIEN LTD COM 67077M108 202 3,111 SH   SOLE   0 0 3,111
NUSHARES ETF TR ESG HI TLD CRP 67092P854 340 13,763 SH   SOLE   0 0 13,763
ORACLE CORP COM 68389X105 9,473 108,721 SH   SOLE   0 0 108,721
ORGANOGENESIS HLDGS INC COM 68621F102 511 35,851 SH   SOLE   0 0 35,851
PPL CORP COM 69351T106 296 10,606 SH   SOLE   0 0 10,606
PAYPAL HLDGS INC COM 70450Y103 1,233 4,738 SH   SOLE   0 0 4,738
PRICE T ROWE GROUP INC COM 74144T108 11,647 59,213 SH   SOLE   0 0 59,213
PROLOGIS INC. COM 74340W103 202 1,608 SH   SOLE   0 0 1,608
PUBLIC STORAGE COM 74460D109 251 845 SH   SOLE   0 0 845
REGENERON PHARMACEUTICALS COM 75886F107 289 477 SH   SOLE   0 0 477
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,222 12,168 SH   SOLE   0 0 12,168
SPDR SER TR S&P 600 SMCP GRW 78464A201 3,314 38,042 SH   SOLE   0 0 38,042
SPDR SER TR S&P 600 SMCP VAL 78464A300 6,536 79,744 SH   SOLE   0 0 79,744
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,393 28,195 SH   SOLE   0 0 28,195
SVB FINANCIAL GROUP COM 78486Q101 369 570 SH   SOLE   0 0 570
SALESFORCE COM INC COM 79466L302 733 2,702 SH   SOLE   0 0 2,702
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 662 8,366 SH   SOLE   0 0 8,366
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 711 5,586 SH   SOLE   0 0 5,586
SELECT SECTOR SPDR TR ENERGY 81369Y506 224 4,301 SH   SOLE   0 0 4,301
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 315 8,391 SH   SOLE   0 0 8,391
SERVICENOW INC COM 81762P102 697 1,121 SH   SOLE   0 0 1,121
SPROTT PHYSICAL GOLD TR UNIT 85207H104 511 36,994 SH   SOLE   0 0 36,994
SYNCHRONY FINANCIAL COM 87165B103 338 6,917 SH   SOLE   0 0 6,917
TESLA INC COM 88160R101 592 764 SH   SOLE   0 0 764
3M CO COM 88579Y101 10,436 59,492 SH   SOLE   0 0 59,492
UNITEDHEALTH GROUP INC COM 91324P102 4,791 12,261 SH   SOLE   0 0 12,261
VANECK ETF TRUST GOLD MINERS ETF 92189F106 438 14,865 SH   SOLE   0 0 14,865
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 250 9,943 SH   SOLE   0 0 9,943
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 128,623 3,891,780 SH   SOLE   0 0 3,891,780
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 4,391 70,281 SH   SOLE   0 0 70,281
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 79,959 970,256 SH   SOLE   0 0 970,256
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 107,196 1,586,919 SH   SOLE   0 0 1,586,919
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 294,330 5,523,182 SH   SOLE   0 0 5,523,182
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 52,573 599,399 SH   SOLE   0 0 599,399
VERIZON COMMUNICATIONS INC COM 92343V104 669 12,383 SH   SOLE   0 0 12,383
VISA INC COM CL A 92826C839 2,226 9,991 SH   SOLE   0 0 9,991
WEC ENERGY GROUP INC COM 92939U106 502 5,693 SH   SOLE   0 0 5,693
WESTROCK CO COM 96145D105 1,042 20,915 SH   SOLE   0 0 20,915
WISDOMTREE TR INTL SMCAP DIV 97717W760 329 4,427 SH   SOLE   0 0 4,427
ZOETIS INC CL A 98978V103 852 4,391 SH   SOLE   0 0 4,391
AON PLC SHS CL A G0403H108 206 721 SH   SOLE   0 0 721
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 640 1,999 SH   SOLE   0 0 1,999
EATON CORP PLC SHS G29183103 316 2,116 SH   SOLE   0 0 2,116
LINDE PLC SHS G5494J103 1,052 3,587 SH   SOLE   0 0 3,587
MEDTRONIC PLC SHS G5960L103 1,124 8,969 SH   SOLE   0 0 8,969
ALCON AG ORD SHS H01301128 269 3,341 SH   SOLE   0 0 3,341
CHUBB LIMITED COM H1467J104 11,732 67,628 SH   SOLE   0 0 67,628
TE CONNECTIVITY LTD REG SHS H84989104 267 1,948 SH   SOLE   0 0 1,948