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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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
AMAZON COM INC COM 023135106 833,682 3,800 SH SOLE 0 0 3,800
INVESCO QQQ TR UNIT SER 1 46090E103 2,851,162 5,169 SH SOLE 0 0 5,169
ISHARES GOLD TR ISHARES NEW 464285204 2,554,952 40,971 SH SOLE 0 0 40,971
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 449,865 2,334 SH SOLE 0 0 2,334
COSTCO WHSL CORP NEW COM 22160K105 716,229 724 SH SOLE 0 0 724
NEW YORK LIFE INVESTMENTS ET NYLI FTSE INTERN 45409B560 5,071,224 172,081 SH SOLE 0 0 172,081
PROCTER AND GAMBLE CO COM 742718109 373,095 2,342 SH SOLE 0 0 2,342
ISHARES TR US SML CAP EQT 46434V290 245,412 3,612 SH SOLE 0 0 3,612
ISHARES TR ESG AW MSCI EAFE 46435G516 3,541,678 39,696 SH SOLE 0 0 39,696
ISHARES INC EMNG MKTS EQT 46434G889 3,300,873 63,393 SH SOLE 0 0 63,393
ISHARES TR S&P 100 ETF 464287101 5,460,801 17,943 SH SOLE 0 0 17,943
ISHARES TR ESG AWR MSCI USA 46435G425 608,337 4,496 SH SOLE 0 0 4,496
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 225,121 6,343 SH SOLE 0 0 6,343
ISHARES TR ESG AWRE USD ETF 46435G193 230,913 9,940 SH SOLE 0 0 9,940
ISHARES TR ESG AWRE 1 5 YR 46435G243 342,512 13,608 SH SOLE 0 0 13,608
FIRST TR EXCH TRADED FD III INSTL PFD SECS 33739P855 2,313,565 121,831 SH SOLE 0 0 121,831
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,300,841 149,359 SH SOLE 0 0 149,359
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,554,370 121,683 SH SOLE 0 0 121,683
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 240,542 2,306 SH SOLE 0 0 2,306
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 651,418 1,341 SH SOLE 0 0 1,341
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,607,871 53,347 SH SOLE 0 0 53,347
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,660,766 56,208 SH SOLE 0 0 56,208
ALPHABET INC CAP STK CL A 02079K305 450,603 2,557 SH SOLE 0 0 2,557
MICROSOFT CORP COM 594918104 1,815,689 3,650 SH SOLE 0 0 3,650
SIMON PPTY GROUP INC NEW COM 828806109 716,783 4,459 SH SOLE 0 0 4,459
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,994,993 16,858 SH SOLE 0 0 16,858
VANGUARD INDEX FDS MID CAP ETF 922908629 4,602,184 16,446 SH SOLE 0 0 16,446
NIKE INC CL B 654106103 251,103 3,535 SH SOLE 0 0 3,535
TESLA INC COM 88160R101 223,950 705 SH SOLE 0 0 705
ISHARES TR ESG AWR US AGRGT 46435U549 429,198 9,028 SH SOLE 0 0 9,028
DBX ETF TR XTRACKERS MSCI 233051218 223,919 6,648 SH SOLE 0 0 6,648
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,221,826 83,277 SH SOLE 0 0 83,277
DBX ETF TR XTRACKERS MSCI 233051150 336,111 5,909 SH SOLE 0 0 5,909
ISHARES TR RUS TP200 VL ETF 464289420 5,475,638 65,039 SH SOLE 0 0 65,039
ISHARES TR RUS TP200 GR ETF 464289438 7,322,745 29,706 SH SOLE 0 0 29,706
ISHARES TR ESG MSCI LEADR 46435U218 337,734 3,117 SH SOLE 0 0 3,117
ISHARES TR RUS TOP 200 ETF 464289446 5,485,595 35,825 SH SOLE 0 0 35,825
ELI LILLY & CO COM 532457108 226,821 291 SH SOLE 0 0 291
DBX ETF TR XTRACKRS S&P 500 233051143 433,038 7,831 SH SOLE 0 0 7,831
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 2,319,727 50,059 SH SOLE 0 0 50,059
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 339,315 2,638 SH SOLE 0 0 2,638
SPDR SERIES TRUST S&P 500 ESG ETF 78468R531 346,181 5,913 SH SOLE 0 0 5,913
ISHARES TR RUS MD CP GR ETF 464287481 2,867,813 20,679 SH SOLE 0 0 20,679
ISHARES TR ESG SELECT SCRE 46436E569 505,313 10,596 SH SOLE 0 0 10,596
VISA INC COM CL A 92826C839 251,337 708 SH SOLE 0 0 708
MR COOPER GROUP INC COM 62482R107 81,301,396 544,879 SH SOLE 0 0 544,879
VANGUARD INDEX FDS VALUE ETF 922908744 2,581,276 14,605 SH SOLE 0 0 14,605
VANGUARD INDEX FDS GROWTH ETF 922908736 4,147,399 9,460 SH SOLE 0 0 9,460
META PLATFORMS INC CL A 30303M102 578,976 784 SH SOLE 0 0 784
SERVICENOW INC COM 81762P102 241,599 235 SH SOLE 0 0 235
PALO ALTO NETWORKS INC COM 697435105 258,665 1,264 SH SOLE 0 0 1,264
BROADCOM INC COM 11135F101 381,417 1,384 SH SOLE 0 0 1,384
NVIDIA CORPORATION COM 67066G104 1,537,932 9,734 SH SOLE 0 0 9,734
ISHARES INC ESG AWR MSCI EM 46434G863 237,646 6,067 SH SOLE 0 0 6,067
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 4,736,954 142,422 SH SOLE 0 0 142,422
VANGUARD BD INDEX FDS INTERMED TERM 921937819 7,021,651 90,789 SH SOLE 0 0 90,789
ISHARES TR MSCI USA QLT FCT 46432F339 460,860 2,521 SH SOLE 0 0 2,521
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 3,227,039 97,759 SH SOLE 0 0 97,759
ISHARES TR CORE S&P500 ETF 464287200 363,995 586 SH SOLE 0 0 586
WELLS FARGO CO NEW COM 949746101 10,981,685 137,065 SH SOLE 0 0 137,065
ISHARES TR 10-20 YR TRS ETF 464288653 2,330,389 22,937 SH SOLE 0 0 22,937
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,439,358 20,913 SH SOLE 0 0 20,913
JPMORGAN CHASE & CO. COM 46625H100 320,544 1,106 SH SOLE 0 0 1,106
ISHARES TR ISHS 5-10YR INVT 464288638 4,669,680 87,628 SH SOLE 0 0 87,628
SPDR SERIES TRUST S&P DIVID ETF 78464A763 371,002 2,733 SH SOLE 0 0 2,733
WALMART INC COM 931142103 297,404 3,042 SH SOLE 0 0 3,042
ISHARES TR 3 7 YR TREAS BD 464288661 2,246,903 18,867 SH SOLE 0 0 18,867
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 357,742 2,684 SH SOLE 0 0 2,684
ALPHABET INC CAP STK CL C 02079K107 427,281 2,409 SH SOLE 0 0 2,409
APPLIED MATLS INC COM 038222105 379,826 2,075 SH SOLE 0 0 2,075
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 359,970 1,759 SH SOLE 0 0 1,759
ISHARES TR 7-10 YR TRSY BD 464287440 3,774,558 39,413 SH SOLE 0 0 39,413
ISHARES TR S&P MC 400VL ETF 464287705 417,857 3,381 SH SOLE 0 0 3,381
ISHARES TR CORE TOTAL USD 46434V613 8,588,650 185,781 SH SOLE 0 0 185,781
VANGUARD WORLD FD MEGA GRWTH IND 921910816 2,360,949 6,448 SH SOLE 0 0 6,448
EXXON MOBIL CORP COM 30231G102 272,323 2,526 SH SOLE 0 0 2,526
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 5,421,257 41,321 SH SOLE 0 0 41,321
ISHARES TR MSCI ACWI ETF 464288257 232,632 1,809 SH SOLE 0 0 1,809
ISHARES TR MSCI INTL QUALTY 46434V456 3,626,033 83,897 SH SOLE 0 0 83,897
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 663,337 13,529 SH SOLE 0 0 13,529
APPLE INC COM 037833100 1,410,141 6,873 SH SOLE 0 0 6,873
ISHARES TR MSCI INTL MOMENT 46434V449 4,928,515 107,869 SH SOLE 0 0 107,869