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
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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
ISHARES TR CORE S&P500 ETF 464287200 299,081,761 481,691 SH SOLE 0 0 481,691
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 256,015,429 4,490,716 SH SOLE 0 0 4,490,716
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 102,154,176 2,063,311 SH SOLE 0 0 2,063,311
ISHARES TR BARCLAYS 7 10 YR 464287440 85,984,582 897,827 SH SOLE 0 0 897,827
ISHARES TR CORE S&P MCP ETF 464287507 83,071,174 1,339,430 SH SOLE 0 0 1,339,430
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 66,571,381 1,345,970 SH SOLE 0 0 1,345,970
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 57,160,513 1,233,509 SH SOLE 0 0 1,233,509
ISHARES TR INTRM TR CRP ETF 464288638 51,187,361 960,549 SH SOLE 0 0 960,549
ISHARES TR ESG AWR MSCI USA 46435G425 44,980,201 332,448 SH SOLE 0 0 332,448
ISHARES TR CORE S&P SCP ETF 464287804 41,417,664 378,973 SH SOLE 0 0 378,973
ISHARES TR ESG AW MSCI EAFE 46435G516 24,009,702 269,107 SH SOLE 0 0 269,107
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 23,901,380 818,260 SH SOLE 0 0 818,260
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 23,300,511 842,086 SH SOLE 0 0 842,086
ISHARES TR NATIONAL MUN ETF 464288414 21,388,909 204,718 SH SOLE 0 0 204,718
ISHARES TR CORE US AGGBD ET 464287226 16,207,812 163,385 SH SOLE 0 0 163,385
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 7,170,588 25,214 SH SOLE 0 0 25,214
ISHARES INC ESG AWR MSCI EM 46434G863 6,789,936 173,347 SH SOLE 0 0 173,347
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 6,127,100 37,256 SH SOLE 0 0 37,256
ISHARES TR ESG AWARE MSCI 46435U663 5,815,152 140,702 SH SOLE 0 0 140,702
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 4,062,588 16,043 SH SOLE 0 0 16,043
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 4,019,939 30,155 SH SOLE 0 0 30,155
ISHARES TR SH TR CRPORT ETF 464288646 3,868,918 73,331 SH SOLE 0 0 73,331
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,295,927 11,901 SH SOLE 0 0 11,901
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,174,547 16,279 SH SOLE 0 0 16,279
ISHARES TR ESG MSCI USA ETF 46436E767 2,924,693 54,231 SH SOLE 0 0 54,231
VANGUARD WHITEHALL FDS INC INTL HIGH ETF 921946794 2,781,842 34,726 SH SOLE 0 0 34,726
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,365,768 30,061 SH SOLE 0 0 30,061
ISHARES TR JPMORGAN USD EMG 464288281 2,324,330 25,095 SH SOLE 0 0 25,095
ISHARES TR SHRT NAT MUN ETF 464288158 2,033,492 19,123 SH SOLE 0 0 19,123
VANGUARD INDEX FDS GROWTH ETF 922908736 1,910,293 4,357 SH SOLE 0 0 4,357
ISHARES TR ESG AWR US AGRGT 46435U549 1,853,019 38,978 SH SOLE 0 0 38,978
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,556,217 46,344 SH SOLE 0 0 46,344
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,426,811 4,695 SH SOLE 0 0 4,695
VANGUARD INDEX FDS VALUE ETF 922908744 1,258,711 7,122 SH SOLE 0 0 7,122
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,171,617 22,372 SH SOLE 0 0 22,372
ISHARES TR CORE MSCI EAFE 46432F842 1,139,351 13,648 SH SOLE 0 0 13,648
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 993,448 7,370 SH SOLE 0 0 7,370
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 947,417 35,752 SH SOLE 0 0 35,752
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 935,963 4,307 SH SOLE 0 0 4,307
ISHARES TR ESG EAFE ETF 46436E759 925,162 12,428 SH SOLE 0 0 12,428
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 873,370 8,047 SH SOLE 0 0 8,047
ISHARES TR EXPONENTIAL TECH 46434V381 857,047 13,135 SH SOLE 0 0 13,135
SPDR SER TR PORTFOLIO LN COR 78464A367 755,995 33,496 SH SOLE 0 0 33,496
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 739,857 5,015 SH SOLE 0 0 5,015
ISHARES TR MSCI LW CRB TG 46434V464 724,214 3,419 SH SOLE 0 0 3,419
ISHARES TR ESG ADV TTL USD 46436E619 683,802 15,702 SH SOLE 0 0 15,702
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 646,691 28,883 SH SOLE 0 0 28,883
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 629,336 5,174 SH SOLE 0 0 5,174
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 623,691 19,102 SH SOLE 0 0 19,102
SPDR SER TR SPDR S&P 500 ETF 78468R796 580,427 11,397 SH SOLE 0 0 11,397
ISHARES INC CORE MSCI EMKT 46434G103 560,218 9,332 SH SOLE 0 0 9,332
ISHARES TR ESG AWRE 1 5 YR 46435G243 535,229 21,265 SH SOLE 0 0 21,265
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 504,820 6,235 SH SOLE 0 0 6,235
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 492,969 6,695 SH SOLE 0 0 6,695
ISHARES TR EGSADVNCDMSCI EM 46436E742 479,121 11,175 SH SOLE 0 0 11,175
ISHARES TR S&P MC 400VL ETF 464287705 473,254 3,830 SH SOLE 0 0 3,830
VANGUARD WORLD FD ESG US STK ETF 921910733 451,070 4,114 SH SOLE 0 0 4,114
VANGUARD STAR FDS VG TL INTL STK F 921909768 379,471 5,492 SH SOLE 0 0 5,492
ISHARES TR CORE MSCI TOTAL 46432F834 356,027 4,605 SH SOLE 0 0 4,605
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 347,576 4,599 SH SOLE 0 0 4,599
SPDR SER TR AEROSPACE DEF 78464A631 342,203 1,622 SH SOLE 0 0 1,622
SELECT SECTOR SPDR TR ENERGY 81369Y506 335,045 3,951 SH SOLE 0 0 3,951
ISHARES TR S&P MC 400GR ETF 464287606 323,938 3,561 SH SOLE 0 0 3,561
VANGUARD INDEX FDS MID CAP ETF 922908629 320,657 1,146 SH SOLE 0 0 1,146
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 311,385 4,629 SH SOLE 0 0 4,629
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 262,379 3,213 SH SOLE 0 0 3,213
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 256,590 2,922 SH SOLE 0 0 2,922
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 255,004 6,157 SH SOLE 0 0 6,157
J P MORGAN EXCHANGE TRADED F SUSTAINABLE MUNI 46654Q815 254,036 5,140 SH SOLE 0 0 5,140
SPDR SER TR RUSSELL YIELD 78468R770 250,388 2,313 SH SOLE 0 0 2,313
ISHARES TR ISHARES BIOTECH 464287556 245,227 1,938 SH SOLE 0 0 1,938
WISDOMTREE TR EMER MKT HIGH FD 97717W315 240,911 5,319 SH SOLE 0 0 5,319
WISDOMTREE TR US SMALLCAP DIVD 97717W604 225,672 7,106 SH SOLE 0 0 7,106
ALPS ETF TR MED BREAKTHGH 00162Q593 200,429 6,665 SH SOLE 0 0 6,665
ISHARES TR GL CLEAN ENE ETF 464288224 135,529 10,338 SH SOLE 0 0 10,338