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
ALPHABET INC CAP STK CL A 02079K305 817,772 4,640 SH SOLE 80 0 4,560
ALPHABET INC CAP STK CL C 02079K107 736,769 4,153 SH SOLE 99 0 4,055
AMAZON COM INC COM 023135106 847,723 3,864 SH SOLE 7 0 3,857
APPLE INC COM 037833100 6,653,411 32,429 SH SOLE 1,332 0 31,097
APPLIED MATLS INC COM 038222105 1,016,843 5,554 SH SOLE 0 0 5,554
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,491,096 5,128 SH SOLE 273 0 4,855
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 224,860 4,751 SH SOLE 0 0 4,751
CATERPILLAR INC COM 149123101 461,373 1,188 SH SOLE 72 0 1,117
CISCO SYS INC COM 17275R102 313,148 4,514 SH SOLE 379 0 4,134
CSX CORP COM 126408103 899,009 27,552 SH SOLE 331 0 27,221
DBX ETF TR XTRACKERS MSCI 233051150 1,990,327 34,992 SH SOLE 1,213 0 33,778
ELI LILLY & CO COM 532457108 858,699 1,102 SH SOLE 6 0 1,095
EQUINIX INC COM 29444U700 369,452 464 SH SOLE 72 0 392
EXXON MOBIL CORP COM 30231G102 411,594 3,818 SH SOLE 10 0 3,808
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 4,028,019 20,424 SH SOLE 727 0 19,697
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 458,918 16,972 SH SOLE 1,548 0 15,424
FIRST TR EXCHANGE-TRADED FD SHS 337345102 656,471 3,084 SH SOLE 36 0 3,048
HOME DEPOT INC COM 437076102 975,919 2,662 SH SOLE 259 0 2,403
INTERNATIONAL BUSINESS MACHS COM 459200101 360,106 1,222 SH SOLE 0 0 1,222
INVESCO EXCH TRADED FD TR II ESG NASDAQ 100 46138G540 2,578,286 68,155 SH SOLE 962 0 67,193
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370 347,402 3,562 SH SOLE 0 0 3,562
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 519,700 5,543 SH SOLE 678 0 4,865
INVESCO QQQ TR UNIT SER 1 46090E103 8,020,754 14,540 SH SOLE 1,489 0 13,051
ISHARES TR CORE DIV GRWTH 46434V621 1,608,583 25,158 SH SOLE 1,587 0 23,570
ISHARES TR CORE S&P MCP ETF 464287507 313,928 5,062 SH SOLE 869 0 4,192
ISHARES TR CORE S&P US GWT 464287671 207,211 1,378 SH SOLE 1,154 0 223
ISHARES TR CORE S&P US VLU 464287663 216,729 2,290 SH SOLE 1,284 0 1,006
ISHARES TR CORE S&P500 ETF 464287200 1,915,168 3,085 SH SOLE 183 0 2,901
ISHARES TR CRE U S REIT ETF 464288521 383,021 6,772 SH SOLE 78 0 6,694
ISHARES TR ESG AW MSCI EAFE 46435G516 384,671 4,311 SH SOLE 92 0 4,219
ISHARES TR ESG AWARE MSCI 46435U663 720,923 17,443 SH SOLE 528 0 16,915
ISHARES TR ESG AWR MSCI USA 46435G425 2,393,654 17,691 SH SOLE 392 0 17,300
ISHARES TR ESG MSCI KLD 400 464288570 2,193,826 18,886 SH SOLE 120 0 18,766
ISHARES TR ESG OPTIMIZED 464288802 2,182,681 17,220 SH SOLE 170 0 17,051
ISHARES TR MRGSTR MD CP ETF 464288208 208,529 2,618 SH SOLE 0 0 2,618
ISHARES TR MSCI USA MMENTM 46432F396 496,653 2,067 SH SOLE 0 0 2,067
ISHARES TR RUS MD CP GR ETF 464287481 570,733 4,115 SH SOLE 0 0 4,115
ISHARES TR RUS MID CAP ETF 464287499 201,315 2,189 SH SOLE 0 0 2,189
ISHARES TR RUS TP200 GR ETF 464289438 1,380,204 5,599 SH SOLE 392 0 5,207
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399 2,870,134 25,645 SH SOLE 1,090 0 24,555
JOHNSON & JOHNSON COM 478160104 355,932 2,330 SH SOLE 72 0 2,259
LOCKHEED MARTIN CORP COM 539830109 363,863 786 SH SOLE 0 0 786
LOWES COS INC COM 548661107 1,552,768 6,999 SH SOLE 0 0 6,999
MCDONALDS CORP COM 580135101 518,289 1,774 SH SOLE 24 0 1,750
MICROSOFT CORP COM 594918104 2,539,893 5,106 SH SOLE 646 0 4,460
MONDELEZ INTL INC CL A 609207105 337,687 5,007 SH SOLE 0 0 5,007
NEUBERGER BERMAN REAL ESTATE COM 64190A103 41,950 13,028 SH SOLE 0 0 13,028
NEXTERA ENERGY INC COM 65339F101 1,117,046 16,091 SH SOLE 0 0 16,091
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 376,533 4,008 SH SOLE 0 0 4,008
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 424,298 8,757 SH SOLE 299 0 8,458
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508 664,707 18,438 SH SOLE 405 0 18,034
NVIDIA CORPORATION COM 67066G104 536,117 3,393 SH SOLE 0 0 3,393
ORACLE CORP COM 68389X105 364,278 1,666 SH SOLE 295 0 1,372
OXFORD LANE CAP CORP COM 691543102 54,073 12,874 SH SOLE 4,043 0 8,832
PLANET LABS PBC COM CL A 72703X106 61,000 10,000 SH SOLE 0 0 10,000
PROCTER AND GAMBLE CO COM 742718109 217,413 1,365 SH SOLE 0 0 1,365
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,698,675 195,093 SH SOLE 9,220 0 185,873
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 333,193 11,879 SH SOLE 0 0 11,879
SELECT SECTOR SPDR TR INDL 81369Y704 364,957 2,474 SH SOLE 0 0 2,474
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 222,977 2,754 SH SOLE 0 0 2,754
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 5,772,870 22,797 SH SOLE 866 0 21,931
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 3,121,197 7,083 SH SOLE 804 0 6,279
SPDR INDEX SHS FDS MSCI ACWI CLMTE 78463X194 487,610 12,345 SH SOLE 0 0 12,345
SPDR INDEX SHS FDS MSCI WRLD STRGIC 78463X418 3,621,278 26,849 SH SOLE 1,216 0 25,633
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 200,179 4,944 SH SOLE 0 0 4,944
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,568,008 2,538 SH SOLE 230 0 2,308
SPDR SERIES TRUST PORTFOLI S&P1500 78464A805 2,292,520 30,612 SH SOLE 0 0 30,612
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847 1,276,442 23,473 SH SOLE 285 0 23,187
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 1,153,480 15,868 SH SOLE 240 0 15,628
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853 531,469 12,476 SH SOLE 18 0 12,458
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 1,111,390 11,660 SH SOLE 799 0 10,861
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 455,884 5,137 SH SOLE 941 0 4,195
SPDR SERIES TRUST SPDR MSCI USA GE 78468R747 483,000 3,870 SH SOLE 53 0 3,817
VANGUARD INDEX FDS GROWTH ETF 922908736 941,058 2,147 SH SOLE 453 0 1,694
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,681,079 9,427 SH SOLE 845 0 8,583
VANGUARD INDEX FDS MID CAP ETF 922908629 2,368,793 8,465 SH SOLE 669 0 7,797
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 831,193 9,333 SH SOLE 440 0 8,893
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,130,644 1,990 SH SOLE 214 0 1,777
VANGUARD INDEX FDS SMALL CP ETF 922908751 620,109 2,617 SH SOLE 141 0 2,475
VANGUARD INDEX FDS SML CP GRW ETF 922908595 617,711 2,230 SH SOLE 118 0 2,113
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,493,761 14,786 SH SOLE 862 0 13,923
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,803,180 14,030 SH SOLE 1,385 0 12,645
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 462,467 2,260 SH SOLE 0 0 2,260
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 670,322 11,758 SH SOLE 1,008 0 10,750
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 689,498 5,172 SH SOLE 0 0 5,172
VANGUARD WORLD FD ESG INTL STK ETF 921910725 218,487 3,336 SH SOLE 147 0 3,188
VANGUARD WORLD FD ESG US STK ETF 921910733 2,346,605 21,403 SH SOLE 533 0 20,870
VANGUARD WORLD FD INF TECH ETF 92204A702 5,038,978 7,597 SH SOLE 284 0 7,313
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 5,363,899 40,883 SH SOLE 1,729 0 39,155
VANGUARD WORLD FD MEGA GRWTH IND 921910816 10,694,470 29,206 SH SOLE 936 0 28,271
WASTE MGMT INC DEL COM 94106L109 205,367 898 SH SOLE 0 0 898
WISDOMTREE TR US AI ENHANCED 97717W406 306,954 2,715 SH SOLE 0 0 2,715