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
MCDONALDS CORP COM 580135101 671,720 2,485 SH SOLE 0 0 2,485
ELI LILLY & CO COM 532457108 236,288 197 SH SOLE 0 0 197
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 220,695 2,670 SH SOLE 0 0 2,670
GOLDMAN SACHS GROUP INC COM 38141G104 335,775 332 SH SOLE 308 0 24
3M CO COM 88579Y101 215,016 1,328 SH SOLE 0 0 1,328
EXXON MOBIL CORP COM 30231G102 391,156 2,861 SH SOLE 0 0 2,861
MICROSOFT CORP COM 594918104 380,378 1,020 SH SOLE 0 0 1,020
CISCO SYS INC COM 17275R102 472,189 4,020 SH SOLE 0 0 4,020
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 512,284 686 SH SOLE 0 0 686
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 253,221 1,602 SH SOLE 0 0 1,602
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 1,075,857 27,579 SH SOLE 1,735 0 25,844
VANGUARD INDEX FDS TOTAL STK MKT 922908769 613,654 1,658 SH SOLE 0 0 1,658
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,069,245 269,212 SH SOLE 70,850 0 198,362
ISHARES TR CORE S&P500 ETF 464287200 30,302,314 40,463 SH SOLE 7,206 0 33,257
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 467,364 934 SH SOLE 0 0 934
FLEXSHARES TR MORNSTAR UPSTR 33939L407 51,664,606 1,048,389 SH SOLE 361,897 0 686,492
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 407,214 7,813 SH SOLE 0 0 7,813
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 21,499,476 425,059 SH SOLE 155,535 0 269,524
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 20,522,476 388,978 SH SOLE 105,995 0 282,983
WISDOMTREE TR US SMALLCAP DIVD 97717W604 322,959 7,939 SH SOLE 1,410 0 6,529
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 21,014,923 497,866 SH SOLE 150,574 0 347,292
WISDOMTREE TR US SMALLCAP FUND 97717W562 1,247,133 18,397 SH SOLE 0 0 18,397
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 13,854,469 156,477 SH SOLE 28,971 0 127,506
VANGUARD INDEX FDS SMALL CP ETF 922908751 40,054,379 132,140 SH SOLE 42,969 0 89,171
VANGUARD INDEX FDS LARGE CAP ETF 922908637 27,163,387 78,984 SH SOLE 53,953 0 25,031
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 5,439,612 112,018 SH SOLE 21,957 0 90,061
MERCK & CO INC COM 58933Y105 426,106 3,316 SH SOLE 0 0 3,316
ISHARES TR ESG AWR MSCI USA 46435G425 433,562 2,649 SH SOLE 0 0 2,649
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 46,780,061 1,229,114 SH SOLE 343,799 0 885,315
JPMORGAN CHASE & CO COM 46625H100 1,956,622 5,978 SH SOLE 781 0 5,197
ILLINOIS TOOL WKS INC COM 452308109 464,397 1,717 SH SOLE 0 0 1,717
WISDOMTREE TR INTL EQUITY FD 97717W703 7,155,673 97,736 SH SOLE 83,834 0 13,902
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 14,787,177 127,817 SH SOLE 22,836 0 104,981
NVIDIA CORPORATION COM 67066G104 265,119 1,325 SH SOLE 0 0 1,325
COCA COLA CO COM 191216100 281,519 3,464 SH SOLE 0 0 3,464
ABBOTT LABORATORIES COM 002824100 261,211 2,879 SH SOLE 0 0 2,879
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 14,686,879 370,133 SH SOLE 87,836 0 282,297
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,353,699 107,370 SH SOLE 34,310 0 73,060
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,164,765 59,916 SH SOLE 768 0 59,148
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 29,814,358 958,661 SH SOLE 198,356 0 760,305
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 22,925,828 511,167 SH SOLE 142,699 0 368,468
WISDOMTREE TR US LARGECAP FUND 97717W588 290,157 3,730 SH SOLE 3,730 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 1,453,228 70,924 SH SOLE 8,328 0 62,596
GE VERNOVA INC COM 36828A101 1,113,767 948 SH SOLE 899 0 49
ISHARES TR INTERNATIONAL SL 46434V266 251,314 5,805 SH SOLE 0 0 5,805
SPDR SERIES TRUST ST STR DOW REIT 78464A607 1,480,472 13,105 SH SOLE 6,097 0 7,008
ISHARES TR CRE U S REIT ETF 464288521 13,750,340 206,928 SH SOLE 50,953 0 155,975
ABBVIE INC COM 00287Y109 642,689 2,554 SH SOLE 0 0 2,554
PROCTER & GAMBLE CO COM 742718109 1,356,273 9,249 SH SOLE 7,391 0 1,858
GE AEROSPACE COM NEW 369604301 1,417,558 3,793 SH SOLE 3,596 0 197
JOHNSON & JOHNSON COM 478160104 1,746,298 6,876 SH SOLE 5,270 0 1,606
WISDOMTREE TR EMER MKT HIGH FD 97717W315 317,038 5,894 SH SOLE 5,065 0 829
PEPSICO INC COM 713448108 232,346 1,716 SH SOLE 0 0 1,716
ISHARES TR RUSSELL 2000 ETF 464287655 10,787,107 35,903 SH SOLE 24,314 0 11,589
WISDOMTREE TR US LARGECAP DIVD 97717W307 8,841,502 91,793 SH SOLE 49,358 0 42,435
PRICE T ROWE GROUP INC COM 74144T108 409,284 3,600 SH SOLE 3,600 0 0
APPLIED MATLS INC COM 038222105 1,190,781 1,647 SH SOLE 0 0 1,647
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 17,400,678 244,220 SH SOLE 94,303 0 149,917
ISHARES INC ESG AWR MSCI EM 46434G863 451,521 8,256 SH SOLE 0 0 8,256
SMUCKER J M CO COM NEW 832696405 200,025 1,778 SH SOLE 1,778 0 0
ISHARES TR NATIONAL MUN ETF 464288414 7,481,527 69,518 SH SOLE 18,413 0 51,105
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 9,207,855 392,827 SH SOLE 60,840 0 331,987
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,246,737 40,487 SH SOLE 7,273 0 33,214
SPDR SERIES TRUST ST STR P500ETF 78464A854 262,234 2,984 SH SOLE 0 0 2,984
ISHARES TR ESG AWARE MSCI 46435U663 285,019 5,096 SH SOLE 0 0 5,096
ISHARES TR ESG AW MSCI EAFE 46435G516 663,330 6,452 SH SOLE 0 0 6,452
APPLE INC COM 037833100 439,538 1,519 SH SOLE 0 0 1,519
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,552,979 45,604 SH SOLE 10,863 0 34,741
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 40,561,560 807,517 SH SOLE 201,507 0 606,010
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 357,141 520 SH SOLE 0 0 520
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 497,960 1,665 SH SOLE 0 0 1,665
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 529,115 8,641 SH SOLE 0 0 8,641
ISHARES TR CORE S&P MCP ETF 464287507 4,992,627 64,747 SH SOLE 64,747 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 249,152 886 SH SOLE 0 0 886
ISHARES TR MSCI EAFE ETF 464287465 5,999,600 57,755 SH SOLE 38,053 0 19,702