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
Vanguard Total Stock Market ETF ETF 922908769 66,764,496 219,671 SH SOLE 0 0 219,671
Vanguard Mega Cap Growth ETF 921910816 34,840,369 95,148 SH SOLE 0 0 95,148
iShares Core US Aggregate Bond ETF 464287226 29,466,298 297,039 SH SOLE 0 0 297,039
Vanguard Meg Cap Value ETF ETF 921910840 22,262,803 169,686 SH SOLE 0 0 169,686
Invesco QQQ Trust ETF 46090E103 17,852,335 32,362 SH SOLE 0 0 32,362
Vanguard Long-Term Bond ETF ETF 921937793 17,210,173 247,486 SH SOLE 0 0 247,486
Vanguard FTSE All-Wld ex-US ETF 922042775 16,914,816 251,634 SH SOLE 0 0 251,634
iShares 3-7 Year Treasury Bond ETF ETF 464288661 15,188,419 127,537 SH SOLE 0 0 127,537
Fidelity Total Bond ETF ETF 316188309 15,120,725 330,508 SH SOLE 0 0 330,508
Vanguard Small-Cap ETF ETF 922908751 13,059,663 55,109 SH SOLE 0 0 55,109
iShares Russell 1000 ETF ETF 464287622 11,822,623 34,816 SH SOLE 0 0 34,816
iShares Core S&P Total US Stk Mkt ETF 464287150 9,666,207 71,580 SH SOLE 0 0 71,580
Xtrackers MSCI EAFE High Div Yield Eq ETF ETF 233051630 8,157,391 282,654 SH SOLE 0 0 282,654
Vanguard Short-Term Corporate Bond ETF ETF 92206C409 7,963,611 100,171 SH SOLE 0 0 100,171
Vanguard High Dividend Yield ETF ETF 921946406 7,820,919 58,667 SH SOLE 0 0 58,667
Vanguard Index Fd MCAP VL IDX ETF 922908512 7,641,200 46,462 SH SOLE 0 0 46,462
iShares S&P 500 Value ETF 464287408 6,612,283 33,836 SH SOLE 0 0 33,836
iShares Core LT USDB ETF 464289479 5,536,572 112,031 SH SOLE 0 0 112,031
iShares S&P Mid-Cap 400 Value ETF 464287705 4,969,980 40,217 SH SOLE 0 0 40,217
Vanguard Total Bond Market ETF ETF 921937835 4,903,611 66,598 SH SOLE 0 0 66,598
Vanguard FTSE Developed Markets ETF 921943858 3,237,597 56,790 SH SOLE 0 0 56,790
iShares Core S&P Small-Cap ETF ETF 464287804 2,931,844 26,826 SH SOLE 0 0 26,826
Dimensional US Equity ETF ETF 25434V401 2,345,633 34,999 SH SOLE 0 0 34,999
Apple COM 037833100 2,274,720 11,087 SH SOLE 0 0 11,087
iShares S&P 500 Growth ETF 464287309 2,054,228 18,658 SH SOLE 0 0 18,658
iShares Core MSCI EAFE ETF ETF 46432F842 2,001,850 23,980 SH SOLE 0 0 23,980
Vanguard Russell 1000 Growth ETF 92206C680 2,000,326 18,318 SH SOLE 0 0 18,318
Vanguard Russell 1000 ETF ETF 92206C730 1,836,824 6,540 SH SOLE 0 0 6,540
iShares 5-10 Yr Investment Grade Corp Bd ETF 464288638 1,439,416 27,011 SH SOLE 0 0 27,011
iShares Core MSCI Total Intl ETF 46432F834 1,334,061 17,256 SH SOLE 0 0 17,256
iShares Russell 3000 ETF 464287689 1,299,353 3,702 SH SOLE 0 0 3,702
Vanguard Short-Term Treasury ETF 92206C102 1,247,206 21,218 SH SOLE 0 0 21,218
iShares Core Total USD Bond Market ETF ETF 46434V613 1,149,879 24,873 SH SOLE 0 0 24,873
Microsoft Corp COM 594918104 889,866 1,789 SH SOLE 0 0 1,789
Northrup Grumman COM 666807102 702,472 1,405 SH SOLE 0 0 1,405
Vanguard ESG US Stock ETF ETF 921910733 674,176 6,149 SH SOLE 0 0 6,149
Invesco NASDAQ 100 ETF ETF 46138G649 602,739 2,654 SH SOLE 0 0 2,654
Vanguard FTSE Emerging Mkt ETF ETF 922042858 552,615 11,173 SH SOLE 0 0 11,173
Vanguard Mid-Cap ETF ETF 922908629 527,759 1,886 SH SOLE 0 0 1,886
Vaguard Short-Term Tax-Exempt Bond ETF ETF 921935870 503,641 4,990 SH SOLE 0 0 4,990
Vanguard Total World Stock ETF ETF 922042742 468,969 3,649 SH SOLE 0 0 3,649
Nuveen ESG Large-Cap Growth ETF ETF 67092P201 439,874 4,682 SH SOLE 0 0 4,682
American Express Co COM 025816109 404,786 1,269 SH SOLE 0 0 1,269
Nuveen ESG Large-Cap Value ETF 67092P300 398,276 9,502 SH SOLE 0 0 9,502
Texas Instruments COM 882508104 367,072 1,768 SH SOLE 0 0 1,768
iShares 10 Year Invmt Grd Corp Bond ETF ETF 464289511 357,997 7,130 SH SOLE 0 0 7,130
Old Dominion Freight Line Inc Ordinary Shares COM 679580100 338,882 2,088 SH SOLE 0 0 2,088
Autodesk COM 052769106 337,431 1,090 SH SOLE 0 0 1,090
Amazon.com Inc COM 023135106 320,309 1,460 SH SOLE 0 0 1,460
iShares ESG Aware US Aggregate Bond ETF 46435U549 319,944 6,730 SH SOLE 0 0 6,730
Walmart Inc COM 931142103 279,553 2,859 SH SOLE 0 0 2,859
Johnson & Johnson COM 478160104 265,938 1,741 SH SOLE 0 0 1,741
iShares Core MSCI Emer Mkt ETF 46434G103 263,772 4,394 SH SOLE 0 0 4,394
Vanguard S&P 500 Value ETF 921932703 260,986 1,383 SH SOLE 0 0 1,383
UnitedHealth Group COM 91324P102 252,384 809 SH SOLE 0 0 809
SPDR Portfolio LN TSR ETF 78464A664 250,676 9,431 SH SOLE 0 0 9,431
Cirrus Logic Inc COM 172755100 250,212 2,400 SH SOLE 0 0 2,400
O'Reilly Automotive Inc COM 67103H107 232,535 2,580 SH SOLE 0 0 2,580
iShares ESG Optimized MSCI USA ETF ETF 464288802 230,812 1,821 SH SOLE 0 0 1,821
Proctor & Gamble COM 742718109 207,435 1,302 SH SOLE 0 0 1,302
Coca Cola Co COM 191216100 205,104 2,899 SH SOLE 0 0 2,899
Invesco BulletShares 2032 Corporate Bd ETF ETF 46139W858 204,620 9,933 SH SOLE 0 0 9,933
Invesco BulletShares 2030 Corporate Bd ETF ETF 46138J460 204,565 12,191 SH SOLE 0 0 12,191
Invesco BulletShares 2028 Corporate Bd ETF ETF 46138J643 203,138 9,914 SH SOLE 0 0 9,914
Invesco BulletShares 2026 Corporate Bd ETF ETF 46138J791 200,900 10,292 SH SOLE 0 0 10,292
Comcast Corp CL A COM 20030N101 200,792 5,626 SH SOLE 0 0 5,626