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
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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
Vanguard Index Funds VANGUARD TOTAL STOCK MARKET ETF 922908769 48,061,989 143,353 SH SOLE 143,353 0 0
Vanguard Index Funds VANGUARD S&P 500 ETF 922908363 38,126,801 60,796 SH SOLE 60,796 0 0
Vanguard Specialized Funds VANGUARD DIVIDEND APPRECIATION ETF 921908844 23,543,828 107,125 SH SOLE 107,125 0 0
iShares Trust ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF 46432F834 15,482,570 182,923 SH SOLE 182,923 0 0
SPDR Gold Trust SPDR GOLD SHARES 78463V107 12,801,209 32,301 SH SOLE 32,301 0 0
John Hancock Exchange-Traded Fund Trust JOHN HANCOCK MULTIFACTOR MID CAP ETF 47804J206 11,689,101 178,514 SH SOLE 178,514 0 0
Invesco Exchange-Traded Fund Trust II INVESCO S&P 500 EQUAL WEIGHT ETF 46137V357 10,787,675 56,315 SH SOLE 56,315 0 0
iShares Trust ISHARES CORE S&P 500 ETF 464287200 5,937,633 8,669 SH SOLE 8,669 0 0
iShares Trust ISHARES CORE MSCI EMERGING MARKETS ETF 46434G103 5,842,792 86,920 SH SOLE 86,920 0 0
Dimensional ETF Trust DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF 25434V203 5,458,794 143,238 SH SOLE 143,238 0 0
Invesco QQQ Trust INVESCO QQQ TRUST SERIES I 46090E103 5,452,001 8,875 SH SOLE 8,875 0 0
iShares Trust ISHARES CORE S&P SMALL CAP ETF 464287804 4,066,334 33,835 SH SOLE 33,835 0 0
iShares Trust ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF 46435G326 3,772,957 45,744 SH SOLE 45,744 0 0
Vanguard Tax-Managed Funds VANGUARD FTSE DEVELOPED MARKETS ETF 921943858 2,930,442 46,910 SH SOLE 46,910 0 0
JPMorgan Exchange-Traded Fund Trust JPMORGAN U.S. QUALITY FACTOR ETF 46641Q761 2,838,030 44,920 SH SOLE 44,920 0 0
iShares Trust ISHARES MSCI EAFE ETF 464287465 2,472,741 25,750 SH SOLE 25,750 0 0
JPMorgan Exchange-Traded Fund Trust JPMORGAN CORE PLUS BOND ETF 46641Q670 2,395,035 50,582 SH SOLE 50,582 0 0
iShares Trust ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF 464287515 2,394,831 22,659 SH SOLE 22,659 0 0
Apple Inc. APPLE INC COM 037833100 2,317,311 8,524 SH SOLE 8,524 0 0
Victory Portfolios II VICTORYSHARES CORE INTERMEDIATE BOND ETF 92647N527 2,109,276 44,542 SH SOLE 44,542 0 0
Dimensional ETF Trust DIMENSIONAL U.S. SMALL CAP ETF 25434V500 2,025,699 29,076 SH SOLE 29,076 0 0
Moody's Corporation MOODYS CORP COM 615369105 1,767,541 3,460 SH SOLE 3,460 0 0
iShares Gold Trust ISHARES GOLD TRUST 464285204 1,571,045 19,355 SH SOLE 19,355 0 0
NextEra Energy Inc. NEXTERA ENERGY INC COM 65339F101 1,389,807 17,312 SH SOLE 17,312 0 0
John Hancock Exchange-Traded Fund Trust JOHN HANCOCK MORTGAGE-BACKED SECURITIES ETF 47804J792 1,375,505 62,072 SH SOLE 62,072 0 0
Intuit Inc. INTUIT COM 461202103 1,291,719 1,950 SH SOLE 1,950 0 0
Becton Dickinson and Company BECTON DICKINSON & CO COM 075887109 1,251,752 6,450 SH SOLE 6,450 0 0
Visa Inc. VISA INC COM CL A 92826C839 1,214,859 3,464 SH SOLE 3,464 0 0
Amazon.com Inc. AMAZON COM INC COM 023135106 1,209,497 5,240 SH SOLE 5,240 0 0
Cadence Design Systems Inc. CADENCE DESIGN SYSTEM INC COM 127387108 1,128,414 3,610 SH SOLE 3,610 0 0
Deere & Company DEERE & CO COM 244199105 1,081,054 2,322 SH SOLE 2,322 0 0
Johnson & Johnson JOHNSON & JOHNSON COM 478160104 941,623 4,550 SH SOLE 4,550 0 0
Merck & Co. Inc. MERCK & CO INC COM 58933Y105 907,236 8,619 SH SOLE 8,619 0 0
PepsiCo Inc. PEPSICO INC COM 713448108 811,749 5,656 SH SOLE 5,656 0 0
JPMorgan Exchange-Traded Fund Trust JPMORGAN INCOME ETF 46641Q159 728,141 15,730 SH SOLE 15,730 0 0
HCA Healthcare Inc. HCA HEALTHCARE INC COM 40412C101 695,621 1,490 SH SOLE 1,490 0 0
iShares Trust ISHARES CORE MSCI EAFE ETF 46432F842 557,280 6,229 SH SOLE 6,229 0 0
Eaton Corporation plc EATON CORP PLC SHS G29183103 545,926 1,714 SH SOLE 1,714 0 0
Capital One Financial Corporation CAPITAL ONE FINL CORP COM 14040H105 545,310 2,250 SH SOLE 2,250 0 0
iShares Trust ISHARES TRUST ISHARES 0-1 YEAR TREASURY BOND ETF 464288679 539,735 4,900 SH SOLE 4,900 0 0
Linde plc LINDE PLC SHS G54950103 533,414 1,251 SH SOLE 1,251 0 0
JPMorgan Exchange-Traded Fund Trust JPMORGAN MUNICIPAL ETF 46641Q647 516,001 10,218 SH SOLE 10,218 0 0
Invesco Exchange-Traded Fund Trust II INVESCO KBW BANK ETF 46138E628 497,499 5,902 SH SOLE 5,902 0 0
SSGA Active Trust STATE STREET SPDR MSCI USA STRATEGICFACTORS ETF 78468R812 495,556 2,845 SH SOLE 2,845 0 0
Danaher Corporation DANAHER CORP DEL COM 235851102 482,563 2,108 SH SOLE 2,108 0 0
iShares Trust ISHARES MSCI EAFE SMALL-CAP ETF 464288273 447,217 5,768 SH SOLE 5,768 0 0
Vanguard Specialized Funds VANGUARD HIGH DIVIDEND YIELD INDEX ETF 921946406 446,060 3,108 SH SOLE 3,108 0 0
CBRE Group Inc. CBRE GROUP INC CL A 12504L109 443,780 2,760 SH SOLE 2,760 0 0
iShares Trust ISHARES GLOBAL HEALTHCARE ETF 464287325 420,798 4,320 SH SOLE 4,320 0 0
FedEx Corporation FEDEX CORP COM 31428X106 413,070 1,430 SH SOLE 1,430 0 0
The Walt Disney Company DISNEY WALT CO COM 254687106 400,639 3,521 SH SOLE 3,521 0 0
Johnson Controls International plc JOHNSON CTLS INTL PLC SHS G51502105 396,373 3,310 SH SOLE 3,310 0 0
New York Life Investment Management LLC NYLI CANDRIAM INTERNATIONAL EQUITY ETF 45409B453 364,102 10,352 SH SOLE 10,352 0 0
Cognizant Technology Solutions Corporation COGNIZANT TECHNOLOGY SOLUTIONS CL A 192446102 343,620 4,140 SH SOLE 4,140 0 0
American International Group Inc. AMERICAN INTL GROUP INC COM NEW 026874784 340,489 3,980 SH SOLE 3,980 0 0
Vanguard Tax-Managed Funds VANGUARD FTSE EMERGING MARKETS ETF 922042858 334,749 6,227 SH SOLE 6,227 0 0
Franklin Templeton ETF Trust FRANKLIN INTERNATIONAL CORE DIVIDEND TILT INDEX FUND 35473P108 328,380 8,444 SH SOLE 8,444 0 0
Kimberly-Clark Corporation KIMBERLY-CLARK CORP COM 494368103 318,812 3,160 SH SOLE 3,160 0 0
Unilever PLC UNILEVER PLC SPON ADR NEW 904767803 318,629 4,872 SH SOLE 4,872 0 0
NIKE Inc. NIKE INC CL B 654106103 299,692 4,704 SH SOLE 4,704 0 0
Vanguard Tax-Managed Funds VANGUARD TOTAL INTERNATIONAL STOCK ETF 921909768 288,784 3,828 SH SOLE 3,828 0 0
John Hancock Exchange-Traded Fund Trust JOHN HANCOCK MULTIFACTOR DEVELOPED INTERNATIONAL ETF 47804J859 268,651 6,469 SH SOLE 6,469 0 0
iShares Trust ISHARES CORE DIVIDEND GROWTH ETF 46434V621 261,734 3,770 SH SOLE 3,770 0 0
L3Harris Technologies Inc. L3HARRIS TECHNOLOGIES INC COM 502431109 258,342 880 SH SOLE 880 0 0
General Mills Inc. GENERAL MILLS INC COM 370334104 247,541 5,323 SH SOLE 5,323 0 0
ITT Inc. ITT INC COM 45073V108 241,179 1,390 SH SOLE 1,390 0 0
SPDR Series Trust STATE STREET SPDR PORTFOLIO S&P 500 ETF 78464A854 237,964 2,966 SH SOLE 2,966 0 0
Target Corporation TARGET CORP COM 87612E106 211,140 2,160 SH SOLE 2,160 0 0
Vanguard Malvern Funds VANGUARD LONG-TERM TREASURY ETF 92206C847 209,315 3,751 SH SOLE 3,751 0 0
iShares Trust ISHARES RUSSELL 1000 GROWTH ETF 464287614 202,824 429 SH SOLE 429 0 0