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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 229,177 1,685 SH SOLE 0 0 0 1,685
ADOBE INC COM 00724F101 235,610 609 SH SOLE 0 0 0 609
ALPHABET INC CAP STK CL A 02079K305 357,042 2,026 SH SOLE 0 0 0 2,026
ALPHABET INC CAP STK CL C 02079K107 253,845 1,431 SH SOLE 0 0 0 1,431
AMAZON COM INC COM 023135106 209,517 955 SH SOLE 0 0 0 955
AMERICAN EXPRESS CO COM 025816109 421,164 1,320 SH SOLE 0 0 0 1,320
AMPHENOL CORP NEW CL A 032095101 548,063 5,550 SH SOLE 0 0 0 5,550
ANALOG DEVICES INC COM 032654105 1,298,637 5,456 SH SOLE 0 0 0 5,456
APPLE INC COM 037833100 992,710 4,838 SH SOLE 0 0 0 4,838
AUTOMATIC DATA PROCESSING IN COM 053015103 256,925 833 SH SOLE 0 0 0 833
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,802,207 3,710 SH SOLE 0 0 0 3,710
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 4,185,648 62,220 SH SOLE 0 0 0 62,220
BLACKROCK ETF TRUST WORLD EX US CARB 09290C608 831,098 16,340 SH SOLE 0 0 0 16,340
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 6,494,250 225,104 SH SOLE 0 0 0 225,104
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 15,921,483 447,484 SH SOLE 0 0 0 447,484
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 45,551,138 836,415 SH SOLE 0 0 0 836,415
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 15,541,134 294,117 SH SOLE 0 0 0 294,117
BROADCOM INC COM 11135F101 264,624 960 SH SOLE 0 0 0 960
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 1,677,177 60,723 SH SOLE 0 0 0 60,723
CDW CORP COM 12514G108 224,845 1,259 SH SOLE 0 0 0 1,259
CISCO SYS INC COM 17275R102 259,728 3,744 SH SOLE 0 0 0 3,744
CME GROUP INC COM 12572Q105 225,733 819 SH SOLE 0 0 0 819
COSTCO WHSL CORP NEW COM 22160K105 467,291 472 SH SOLE 0 0 0 472
DELL TECHNOLOGIES INC CL C 24703L202 337,273 2,751 SH SOLE 0 0 0 2,751
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 390,253 5,823 SH SOLE 0 0 0 5,823
EXXON MOBIL CORP COM 30231G102 369,862 3,431 SH SOLE 0 0 0 3,431
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 1,104,099 33,196 SH SOLE 0 0 0 33,196
GLOBAL X FDS DEFENSE TECH ETF 37960A529 5,577,584 92,574 SH SOLE 0 0 0 92,574
GLOBAL X FDS US INFR DEV ETF 37954Y673 1,016,935 23,335 SH SOLE 0 0 0 23,335
GLOBAL X FDS S&P 500 QLT ETF 37954Y616 276,199 8,152 SH SOLE 0 0 0 8,152
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 494,811 15,155 SH SOLE 0 0 0 15,155
HOME DEPOT INC COM 437076102 605,952 1,653 SH SOLE 0 0 0 1,653
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 1,438,558 6,334 SH SOLE 0 0 0 6,334
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 497,230 4,421 SH SOLE 0 0 0 4,421
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,631,551 8,977 SH SOLE 0 0 0 8,977
INVESCO QQQ TR UNIT SER 1 46090E103 745,048 1,351 SH SOLE 0 0 0 1,351
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 572,252 9,349 SH SOLE 0 0 0 9,349
ISHARES GOLD TR ISHARES NEW 464285204 7,389,036 118,490 SH SOLE 0 0 0 118,490
ISHARES INC MSCI EMRG CHN 46434G764 1,111,201 17,599 SH SOLE 0 0 0 17,599
ISHARES INC MSCI EQUAL WEITE 464286681 988,623 9,974 SH SOLE 0 0 0 9,974
ISHARES INC ESG AWR MSCI EM 46434G863 1,230,506 31,415 SH SOLE 0 0 0 31,415
ISHARES INC CORE MSCI EMKT 46434G103 19,635,721 327,098 SH SOLE 0 0 0 327,098
ISHARES TR ESG EAFE ETF 46436E759 1,362,922 18,309 SH SOLE 0 0 0 18,309
ISHARES TR RUS 1000 VAL ETF 464287598 1,003,359 5,166 SH SOLE 0 0 0 5,166
ISHARES TR CONV BD ETF 46435G102 454,825 5,048 SH SOLE 0 0 0 5,048
ISHARES TR CORE S&P TTL STK 464287150 677,091 5,014 SH SOLE 0 0 0 5,014
ISHARES TR CORE INTL AGGR 46435G672 10,024,573 196,214 SH SOLE 0 0 0 196,214
ISHARES TR US TREAS BD ETF 46429B267 2,752,246 119,767 SH SOLE 0 0 0 119,767
ISHARES TR CORE S&P SCP ETF 464287804 1,059,785 9,697 SH SOLE 0 0 0 9,697
ISHARES TR ESG ADV TTL USD 46436E619 1,596,697 36,664 SH SOLE 0 0 0 36,664
ISHARES TR S&P 100 ETF 464287101 15,404,089 50,613 SH SOLE 0 0 0 50,613
ISHARES TR CORE TOTAL USD 46434V613 60,229,164 1,302,816 SH SOLE 0 0 0 1,302,816
ISHARES TR JPMORGAN USD EMG 464288281 5,192,884 56,067 SH SOLE 0 0 0 56,067
ISHARES TR U.S. TECH ETF 464287721 10,279,863 59,329 SH SOLE 0 0 0 59,329
ISHARES TR ESG AWR US AGRGT 46435U549 3,477,603 73,151 SH SOLE 0 0 0 73,151
ISHARES TR 10-20 YR TRS ETF 464288653 14,195,755 139,722 SH SOLE 0 0 0 139,722
ISHARES TR MSCI USA QLT FCT 46432F339 55,328,783 302,641 SH SOLE 0 0 0 302,641
ISHARES TR ESG AW MSCI EAFE 46435G516 513,818 5,759 SH SOLE 0 0 0 5,759
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,358,594 22,919 SH SOLE 0 0 0 22,919
ISHARES TR HIGH YLD SYSTM B 46435G250 222,658 4,690 SH SOLE 0 0 0 4,690
ISHARES TR HDG MSCI EAFE 46434V803 263,366 6,938 SH SOLE 0 0 0 6,938
ISHARES TR NATIONAL MUN ETF 464288414 2,290,794 21,926 SH SOLE 0 0 0 21,926
ISHARES TR ESG MSCI USA ETF 46436E767 2,631,838 48,801 SH SOLE 0 0 0 48,801
ISHARES TR MSCI EAFE ETF 464287465 325,737 3,644 SH SOLE 0 0 0 3,644
ISHARES TR ESG AWRE USD ETF 46435G193 3,690,260 158,858 SH SOLE 0 0 0 158,858
ISHARES TR S&P 500 VAL ETF 464287408 26,297,948 134,571 SH SOLE 0 0 0 134,571
ISHARES TR 20 YR TR BD ETF 464287432 9,474,403 107,359 SH SOLE 0 0 0 107,359
ISHARES TR EAFE VALUE ETF 464288877 33,727,926 531,316 SH SOLE 0 0 0 531,316
ISHARES TR GLOBAL TECH ETF 464287291 2,085,006 22,580 SH SOLE 0 0 0 22,580
ISHARES TR CORE S&P500 ETF 464287200 49,797,534 80,202 SH SOLE 0 0 0 80,202
ISHARES TR US INFRASTRUC 46435U713 258,248 5,250 SH SOLE 0 0 0 5,250
ISHARES TR EAFE GRWTH ETF 464288885 16,458,031 146,947 SH SOLE 0 0 0 146,947
ISHARES TR MSCI USA MMENTM 46432F396 9,227,947 38,399 SH SOLE 0 0 0 38,399
ISHARES TR RUS MD CP GR ETF 464287481 707,684 5,103 SH SOLE 0 0 0 5,103
ISHARES TR MBS ETF 464288588 16,815,599 179,099 SH SOLE 0 0 0 179,099
ISHARES TR CORE US AGGBD ET 464287226 1,056,877 10,654 SH SOLE 0 0 0 10,654
ISHARES TR ESG AWR MSCI USA 46435G425 15,058,535 111,297 SH SOLE 0 0 0 111,297
ISHARES TR ESG MSCI KLD 400 464288570 2,852,366 24,555 SH SOLE 0 0 0 24,555
ISHARES TR U.S. UTILITS ETF 464287697 1,273,674 12,180 SH SOLE 0 0 0 12,180
ISHARES TR RUSSELL 2000 ETF 464287655 405,720 1,880 SH SOLE 0 0 0 1,880
ISHARES TR S&P 500 GRWT ETF 464287309 35,449,536 321,976 SH SOLE 0 0 0 321,976
ISHARES TR MSCI ACWI ETF 464288257 2,880,805 22,401 SH SOLE 0 0 0 22,401
ISHARES TR RUS 1000 ETF 464287622 1,741,809 5,129 SH SOLE 0 0 0 5,129
ISHARES TR CORE S&P MCP ETF 464287507 921,672 14,861 SH SOLE 0 0 0 14,861
ISHARES TR RUS 1000 GRW ETF 464287614 3,258,208 7,674 SH SOLE 0 0 0 7,674
ISHARES TR CORE MSCI EAFE 46432F842 448,204 5,369 SH SOLE 0 0 0 5,369
ISHARES U S ETF TR SHORT MATURITY M 46431W838 669,646 13,321 SH SOLE 0 0 0 13,321
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 1,379,449 19,492 SH SOLE 0 0 0 19,492
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241 8,755,049 189,626 SH SOLE 0 0 0 189,626
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 312,380 5,202 SH SOLE 0 0 0 5,202
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308 2,296,663 40,712 SH SOLE 0 0 0 40,712
J P MORGAN EXCHANGE TRADED F USD EMRNG MKT 46641Q746 684,637 17,571 SH SOLE 0 0 0 17,571
JOHNSON & JOHNSON COM 478160104 214,156 1,402 SH SOLE 0 0 0 1,402
JPMORGAN CHASE & CO. COM 46625H100 507,524 1,751 SH SOLE 0 0 0 1,751
LINCOLN ELEC HLDGS INC COM 533900106 1,848,050 8,914 SH SOLE 0 0 0 8,914
MICROSOFT CORP COM 594918104 3,160,527 6,354 SH SOLE 0 0 0 6,354
MOODYS CORP COM 615369105 267,347 533 SH SOLE 0 0 0 533
PACER FDS TR GLOBL CASH ETF 69374H709 740,498 19,502 SH SOLE 0 0 0 19,502
PROCTER AND GAMBLE CO COM 742718109 247,105 1,551 SH SOLE 0 0 0 1,551
QUANTA SVCS INC COM 74762E102 1,077,906 2,851 SH SOLE 0 0 0 2,851
READY CAPITAL CORP COM 75574U101 70,873 16,218 SH SOLE 0 0 0 16,218
RTX CORPORATION COM 75513E101 512,196 3,508 SH SOLE 0 0 0 3,508
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,718,506 323,899 SH SOLE 0 0 0 323,899
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 461,292 15,792 SH SOLE 0 0 0 15,792
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,725,886 152,450 SH SOLE 0 0 0 152,450
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 669,648 25,270 SH SOLE 0 0 0 25,270
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,320,650 47,082 SH SOLE 0 0 0 47,082
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 354,248 1,630 SH SOLE 0 0 0 1,630
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,053,059 12,056 SH SOLE 0 0 0 12,056
SELECT SECTOR SPDR TR INDL 81369Y704 361,424 2,450 SH SOLE 0 0 0 2,450
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 334,818 2,484 SH SOLE 0 0 0 2,484
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 473,530 9,042 SH SOLE 0 0 0 9,042
SELECT SECTOR SPDR TR ENERGY 81369Y506 216,990 2,559 SH SOLE 0 0 0 2,559
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 237,323 2,931 SH SOLE 0 0 0 2,931
SPDR GOLD TR GOLD SHS 78463V107 4,297,493 14,098 SH SOLE 0 0 0 14,098
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 327,449 10,026 SH SOLE 0 0 0 10,026
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,426,277 126,960 SH SOLE 0 0 0 126,960
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,310,753 131,162 SH SOLE 0 0 0 131,162
SPDR INDEX SHS FDS PORTFLO EURP ETF 78463X103 1,847,658 38,127 SH SOLE 0 0 0 38,127
SPDR S&P 500 ETF TR TR UNIT 78462F103 16,774,009 27,149 SH SOLE 0 0 0 27,149
SPDR SERIES TRUST BLOOMBERG EMERGI 78464A391 1,244,603 58,159 SH SOLE 0 0 0 58,159
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672 2,521,247 87,635 SH SOLE 0 0 0 87,635
SPDR SERIES TRUST BLOOMBERG 1 10 Y 78468R861 1,484,101 77,539 SH SOLE 0 0 0 77,539
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 1,320,012 14,390 SH SOLE 0 0 0 14,390
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 4,431,277 84,663 SH SOLE 0 0 0 84,663
SPDR SERIES TRUST PORT MTG BK ETF 78464A383 2,487,608 112,561 SH SOLE 0 0 0 112,561
SPDR SERIES TRUST BLOOMBERG EMG MK 78468R515 2,367,912 96,217 SH SOLE 0 0 0 96,217
SPDR SERIES TRUST BLOOMBERG ENHNCD 78468R440 1,805,376 66,301 SH SOLE 0 0 0 66,301
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 3,474,036 36,446 SH SOLE 0 0 0 36,446
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 3,491,635 136,392 SH SOLE 0 0 0 136,392
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 1,676,626 63,078 SH SOLE 0 0 0 63,078
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853 2,610,119 61,270 SH SOLE 0 0 0 61,270
SPDR SERIES TRUST MSCI USA STRTGIC 78468R812 9,036,595 55,409 SH SOLE 0 0 0 55,409
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847 3,878,104 71,315 SH SOLE 0 0 0 71,315
SPDR SERIES TRUST S&P1500MOMTILT 78468R705 933,792 3,503 SH SOLE 0 0 0 3,503
SPDR SERIES TRUST PORTFOLIO LN COR 78464A367 3,049,732 135,123 SH SOLE 0 0 0 135,123
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 12,528,661 312,358 SH SOLE 0 0 0 312,358
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408 9,121,395 166,085 SH SOLE 0 0 0 166,085
SSGA ACTIVE TR SPDR BLACKSTONE 78470P846 2,159,120 75,520 SH SOLE 0 0 0 75,520
STRYKER CORPORATION COM 863667101 239,356 605 SH SOLE 0 0 0 605
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867 5,168,449 146,498 SH SOLE 0 0 0 146,498
THERMO FISHER SCIENTIFIC INC COM 883556102 228,274 563 SH SOLE 0 0 0 563
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,359,594 27,461 SH SOLE 0 0 0 27,461
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,445,979 11,348 SH SOLE 0 0 0 11,348
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,852,149 6,094 SH SOLE 0 0 0 6,094
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,603,751 72,862 SH SOLE 0 0 0 72,862
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,538,798 27,535 SH SOLE 0 0 0 27,535
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 253,713 5,047 SH SOLE 0 0 0 5,047
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 201,620 3,371 SH SOLE 0 0 0 3,371
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 221,137 3,879 SH SOLE 0 0 0 3,879
VANGUARD WORLD FD MEGA GRWTH IND 921910816 3,925,895 10,722 SH SOLE 0 0 0 10,722
VANGUARD WORLD FD EXTENDED DUR 921910709 2,128,901 31,633 SH SOLE 0 0 0 31,633
VERISK ANALYTICS INC COM 92345Y106 286,580 920 SH SOLE 0 0 0 920
WISDOMTREE TR INTL QULTY DIV 97717X131 1,944,121 49,044 SH SOLE 0 0 0 49,044