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
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 291 16,579 SH   SOLE 0 0 0 16,579
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 41,835 1,444,071 SH   SOLE 0 0 0 1,444,071
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 24,479 937,545 SH   SOLE 0 0 0 937,545
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 9,528 100,151 SH   SOLE 0 0 0 100,151
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 2,615 70,669 SH   SOLE 0 0 0 70,669
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 5,567 157,852 SH   SOLE 0 0 0 157,852
ISHARES INC ESG AWR MSCI EM 46434G863 961 24,171 SH   SOLE 0 0 0 24,171
ISHARES TR ESG AW MSCI EAFE 46435G516 2,152 27,077 SH   SOLE 0 0 0 27,077
ISHARES TR ESG AWARE MSCI 46435U663 340 8,435 SH   SOLE 0 0 0 8,435
ISHARES TR ESG MSCI LEADR 46435U218 4,027 47,732 SH   SOLE 0 0 0 47,732
ISHARES TR ESG ADV TTL USD 46436E619 1,478 29,900 SH   SOLE 0 0 0 29,900
ISHARES TR MSCI USA MULTIFT 46434V282 14,088 302,575 SH   SOLE 0 0 0 302,575
ISHARES TR MSCI USA SML CP 46434V290 3,035 53,006 SH   SOLE 0 0 0 53,006
ISHARES TR CORE INTL AGGR 46435G672 16,299 298,891 SH   SOLE 0 0 0 298,891
ISHARES TR CORE TOTAL USD 46434V613 53,003 1,001,371 SH   SOLE 0 0 0 1,001,371
ISHARES TR MSCI INTL MULTFT 46434V274 8,215 285,058 SH   SOLE 0 0 0 285,058
ISHARES TR MODERT ALLOC ETF 464289875 269 5,916 SH   SOLE 0 0 0 5,916
ISHARES TR GRWT ALLOCAT ETF 464289867 2,165 37,933 SH   SOLE 0 0 0 37,933
ISHARES TR AGGRES ALLOC ETF 464289859 2,618 35,952 SH   SOLE 0 0 0 35,952
ISHARES TR CORE MSCI TOTAL 46432F834 13,171 185,665 SH   SOLE 0 0 0 185,665
ISHARES TR CORE S&P TTL STK 464287150 4,756 44,455 SH   SOLE 0 0 0 44,455
ISHARES TR NATIONAL MUN ETF 464288414 28,456 244,721 SH   SOLE 0 0 0 244,721
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 558 13,290 SH   SOLE 0 0 0 13,290
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 41,253 1,130,839 SH   SOLE 0 0 0 1,130,839
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 14,069 339,082 SH   SOLE 0 0 0 339,082
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 270 2,948 SH   SOLE 0 0 0 2,948
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 17,345 314,457 SH   SOLE 0 0 0 314,457
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 80,157 183,607 SH   SOLE 0 0 0 183,607
VANGUARD INDEX FDS TOTAL STK MKT 922908769 52,494 217,418 SH   SOLE 0 0 0 217,418
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 15,988 87,433 SH   SOLE 0 0 0 87,433
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,750 34,906 SH   SOLE 0 0 0 34,906
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 26,015 473,781 SH   SOLE 0 0 0 473,781
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 281 3,145 SH   SOLE 0 0 0 3,145
VANGUARD STAR FDS VG TL INTL STK F 921909768 32,824 516,340 SH   SOLE 0 0 0 516,340