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
Expires: July 31, 2015
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
3M CO COM 88579Y101 315,289 2,071 SH SOLE 0 0 2,071
ABBVIE INC COM 00287Y109 267,664 1,442 SH SOLE 0 0 1,442
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 221,776 742 SH SOLE 0 0 742
ALPHABET INC CAP STK CL A 02079K305 741,047 4,205 SH SOLE 0 0 4,205
ALPHABET INC CAP STK CL C 02079K107 322,318 1,817 SH SOLE 0 0 1,817
ALTRIA GROUP INC COM 02209S103 203,329 3,468 SH SOLE 0 0 3,468
AMAZON COM INC COM 023135106 1,290,233 5,881 SH SOLE 0 0 5,881
APPLE INC COM 037833100 1,406,440 6,855 SH SOLE 0 0 6,855
APPLIED MATLS INC COM 038222105 329,160 1,798 SH SOLE 0 0 1,798
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 705,824 1,453 SH SOLE 0 0 1,453
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 409,485 6,087 SH SOLE 0 0 6,087
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 6,806,465 124,981 SH SOLE 0 0 124,981
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 2,598,158 73,023 SH SOLE 0 0 73,023
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 4,207,226 79,622 SH SOLE 0 0 79,622
BLACKROCK INC COM 09290D101 327,366 312 SH SOLE 0 0 312
BROADCOM INC COM 11135F101 1,853,471 6,724 SH SOLE 0 0 6,724
CATERPILLAR INC COM 149123101 514,378 1,325 SH SOLE 0 0 1,325
CISCO SYS INC COM 17275R102 365,216 5,264 SH SOLE 0 0 5,264
COCA COLA CO COM 191216100 308,187 4,356 SH SOLE 0 0 4,356
COSTCO WHSL CORP NEW COM 22160K105 424,684 429 SH SOLE 0 0 429
CSX CORP COM 126408103 202,861 6,217 SH SOLE 0 0 6,217
DBX ETF TR XTRACK USD HIGH 233051432 332,465 9,005 SH SOLE 0 0 9,005
ELI LILLY & CO COM 532457108 410,812 527 SH SOLE 0 0 527
EXXON MOBIL CORP COM 30231G102 935,165 8,675 SH SOLE 0 0 8,675
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 3,875,889 61,777 SH SOLE 0 0 61,777
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 3,504,061 71,134 SH SOLE 0 0 71,134
HOME DEPOT INC COM 437076102 590,107 1,610 SH SOLE 0 0 1,610
INTERNATIONAL BUSINESS MACHS COM 459200101 357,273 1,212 SH SOLE 0 0 1,212
INTUIT COM 461202103 267,007 339 SH SOLE 0 0 339
INVESCO QQQ TR UNIT SER 1 46090E103 499,234 905 SH SOLE 0 0 905
ISHARES GOLD TR ISHARES NEW 464285204 2,004,001 32,136 SH SOLE 0 0 32,136
ISHARES INC MSCI EMRG CHN 46434G764 245,236 3,884 SH SOLE 0 0 3,884
ISHARES INC CORE MSCI EMKT 46434G103 2,757,238 45,931 SH SOLE 0 0 45,931
ISHARES TR S&P 100 ETF 464287101 1,958,492 6,435 SH SOLE 0 0 6,435
ISHARES TR ISHS 5-10YR INVT 464288638 209,749 3,936 SH SOLE 0 0 3,936
ISHARES TR CORE US AGGBD ET 464287226 263,574 2,657 SH SOLE 0 0 2,657
ISHARES TR ESG MSCI KLD 400 464288570 271,350 2,336 SH SOLE 0 0 2,336
ISHARES TR CONV BD ETF 46435G102 390,944 4,339 SH SOLE 0 0 4,339
ISHARES TR JPMORGAN USD EMG 464288281 1,811,184 19,555 SH SOLE 0 0 19,555
ISHARES TR ESG AWR US AGRGT 46435U549 328,692 6,914 SH SOLE 0 0 6,914
ISHARES TR CORE TOTAL USD 46434V613 748,834 16,198 SH SOLE 0 0 16,198
ISHARES TR EAFE SML CP ETF 464288273 457,521 6,295 SH SOLE 0 0 6,295
ISHARES TR 10-20 YR TRS ETF 464288653 2,184,400 21,500 SH SOLE 0 0 21,500
ISHARES TR NATIONAL MUN ETF 464288414 389,606 3,729 SH SOLE 0 0 3,729
ISHARES TR ESG MSCI USA ETF 46436E767 284,858 5,282 SH SOLE 0 0 5,282
ISHARES TR MSCI USA QLT FCT 46432F339 7,057,766 38,605 SH SOLE 0 0 38,605
ISHARES TR 0-5 YR TIPS ETF 46429B747 303,790 2,952 SH SOLE 0 0 2,952
ISHARES TR MBS ETF 464288588 2,283,123 24,317 SH SOLE 0 0 24,317
ISHARES TR MSCI EMG MKT ETF 464287234 349,113 7,237 SH SOLE 0 0 7,237
ISHARES TR CORE S&P MCP ETF 464287507 218,621 3,525 SH SOLE 0 0 3,525
ISHARES TR ESG AWRE USD ETF 46435G193 352,283 15,165 SH SOLE 0 0 15,165
ISHARES TR CORE S&P500 ETF 464287200 246,497 397 SH SOLE 0 0 397
ISHARES TR MSCI USA MMENTM 46432F396 1,574,577 6,552 SH SOLE 0 0 6,552
ISHARES TR BROAD USD HIGH 46435U853 1,299,309 34,639 SH SOLE 0 0 34,639
ISHARES TR 20 YR TR BD ETF 464287432 9,217,007 104,442 SH SOLE 0 0 104,442
ISHARES TR EAFE VALUE ETF 464288877 5,263,063 82,909 SH SOLE 0 0 82,909
ISHARES TR EAFE GRWTH ETF 464288885 2,492,000 22,250 SH SOLE 0 0 22,250
ISHARES TR CRE U S REIT ETF 464288521 239,362 4,232 SH SOLE 0 0 4,232
ISHARES TR EUROPE ETF 464287861 795,116 12,571 SH SOLE 0 0 12,571
ISHARES TR MSCI INTL VLU FT 46435G409 784,492 23,852 SH SOLE 0 0 23,852
JOHNSON & JOHNSON COM 478160104 1,157,692 7,579 SH SOLE 0 0 7,579
JPMORGAN CHASE & CO. COM 46625H100 798,992 2,756 SH SOLE 0 0 2,756
LAM RESEARCH CORP COM NEW 512807306 421,580 4,331 SH SOLE 0 0 4,331
MARSH & MCLENNAN COS INC COM 571748102 261,056 1,194 SH SOLE 0 0 1,194
MASTERCARD INCORPORATED CL A 57636Q104 468,096 833 SH SOLE 0 0 833
MCDONALDS CORP COM 580135101 429,198 1,469 SH SOLE 0 0 1,469
MERCK & CO INC COM 58933Y105 228,852 2,891 SH SOLE 0 0 2,891
META PLATFORMS INC CL A 30303M102 579,401 785 SH SOLE 0 0 785
MICROSOFT CORP COM 594918104 3,226,201 6,486 SH SOLE 0 0 6,486
NETFLIX INC COM 64110L106 586,539 438 SH SOLE 0 0 438
NOVARTIS AG SPONSORED ADR 66987V109 276,387 2,284 SH SOLE 0 0 2,284
NVIDIA CORPORATION COM 67066G104 1,366,614 8,650 SH SOLE 0 0 8,650
NVR INC COM 62944T105 2,850,865 386 SH SOLE 0 0 386
PARKER-HANNIFIN CORP COM 701094104 267,514 383 SH SOLE 0 0 383
PEPSICO INC COM 713448108 371,164 2,811 SH SOLE 0 0 2,811
PHILIP MORRIS INTL INC COM 718172109 219,467 1,205 SH SOLE 0 0 1,205
PROCTER AND GAMBLE CO COM 742718109 570,366 3,580 SH SOLE 0 0 3,580
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 216,679 2,574 SH SOLE 0 0 2,574
QUALCOMM INC COM 747525103 257,523 1,617 SH SOLE 0 0 1,617
RELX PLC SPONSORED ADR 759530108 212,958 3,919 SH SOLE 0 0 3,919
S&P GLOBAL INC COM 78409V104 219,880 417 SH SOLE 0 0 417
SAP SE SPON ADR 803054204 346,978 1,141 SH SOLE 0 0 1,141
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,664,565 62,390 SH SOLE 0 0 62,390
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,494,531 70,630 SH SOLE 0 0 70,630
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,000,325 46,967 SH SOLE 0 0 46,967
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,444,181 13,601 SH SOLE 0 0 13,601
SERVICENOW INC COM 81762P102 204,588 199 SH SOLE 0 0 199
SHELL PLC SPON ADS 780259305 278,472 3,955 SH SOLE 0 0 3,955
SOUTHERN CO COM 842587107 240,962 2,624 SH SOLE 0 0 2,624
SPDR S&P 500 ETF TR TR UNIT 78462F103 700,642 1,134 SH SOLE 0 0 1,134
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 5,858,081 61,457 SH SOLE 0 0 61,457
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 207,592 6,182 SH SOLE 0 0 6,182
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 4,952,149 94,615 SH SOLE 0 0 94,615
SPDR SERIES TRUST NUVEEN ICE MUNIC 78468R721 262,794 5,883 SH SOLE 0 0 5,883
TESLA INC COM 88160R101 823,057 2,591 SH SOLE 0 0 2,591
TJX COS INC NEW COM 872540109 331,200 2,682 SH SOLE 0 0 2,682
TRANE TECHNOLOGIES PLC SHS G8994E103 243,637 557 SH SOLE 0 0 557
UBER TECHNOLOGIES INC COM 90353T100 251,723 2,698 SH SOLE 0 0 2,698
UNITED BANKSHARES INC WEST V COM 909907107 323,098 8,869 SH SOLE 0 0 8,869
UNITEDHEALTH GROUP INC COM 91324P102 222,747 714 SH SOLE 0 0 714
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,904,065 99,052 SH SOLE 0 0 99,052
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,215,841 9,182 SH SOLE 0 0 9,182
VANGUARD INDEX FDS LARGE CAP ETF 922908637 673,308 2,360 SH SOLE 0 0 2,360
VANGUARD INDEX FDS GROWTH ETF 922908736 425,248 970 SH SOLE 0 0 970
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,556,061 31,461 SH SOLE 0 0 31,461
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 219,998 4,487 SH SOLE 0 0 4,487
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,245,364 20,822 SH SOLE 0 0 20,822
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 727,696 12,380 SH SOLE 0 0 12,380
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,477,514 53,998 SH SOLE 0 0 53,998
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 546,997 11,804 SH SOLE 0 0 11,804
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 816,488 7,477 SH SOLE 0 0 7,477
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,211,372 27,816 SH SOLE 0 0 27,816
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 515,732 5,913 SH SOLE 0 0 5,913
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 731,272 8,582 SH SOLE 0 0 8,582
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 494,277 8,670 SH SOLE 0 0 8,670
VISA INC COM CL A 92826C839 449,138 1,265 SH SOLE 0 0 1,265
WALMART INC COM 931142103 818,908 8,375 SH SOLE 0 0 8,375
WELLS FARGO CO NEW COM 949746101 239,238 2,986 SH SOLE 0 0 2,986