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
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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
ALPHABET INC CAP STK CL C 02079K107 236,051 668 SH SOLE 0 0 668
ALTRIA GROUP INC COM 02209S103 651,509 9,055 SH SOLE 0 0 9,055
AMAZON COM INC COM 023135106 439,022 1,842 SH SOLE 0 0 1,842
APPLE INC COM 037833100 3,728,796 12,886 SH SOLE 0 0 12,886
APPLIED MATLS INC COM 038222105 224,130 310 SH SOLE 0 0 310
BANK OF AMER CORP COM 060505104 1,196,201 20,993 SH SOLE 0 0 20,993
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,933,286 5,862 SH SOLE 0 0 5,862
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 6,493,057 123,161 SH SOLE 0 0 123,161
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 11,882,739 324,665 SH SOLE 0 0 324,665
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 2,782,428 55,240 SH SOLE 0 0 55,240
BLACKROCK ETF TRUST ISHA LA VALU ETF 09290C616 8,849,836 214,230 SH SOLE 0 0 214,230
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 4,016,590 143,194 SH SOLE 0 0 143,194
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 1,694,699 21,141 SH SOLE 0 0 21,141
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 4,261,931 98,862 SH SOLE 0 0 98,862
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 15,951,895 234,552 SH SOLE 0 0 234,552
BLACKROCK ETF TRUST ISHARES US LARG 09290C863 897,986 26,544 SH SOLE 0 0 26,544
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 461,466 8,817 SH SOLE 0 0 8,817
BLACKROCK ETF TRUST II ISHA SECU IN ETF 092528819 285,997 5,736 SH SOLE 0 0 5,736
BLACKROCK ETF TRUST II ISHAR INTER ETF 092528207 5,648,310 232,920 SH SOLE 0 0 232,920
BLACKROCK ETF TRUST II ISHARES AAA CLO 092528504 369,588 7,120 SH SOLE 0 0 7,120
BOEING CO COM 097023105 427,990 1,977 SH SOLE 0 0 1,977
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 3,649,392 132,850 SH SOLE 0 0 132,850
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 8,564,130 313,360 SH SOLE 0 0 313,360
CISCO SYS INC COM 17275R102 522,480 4,448 SH SOLE 0 0 4,448
COCA-COLA EUROPACIFIC PARTNE SHS G25839104 293,705 2,935 SH SOLE 0 0 2,935
COSTCO WHOLESALE CORPORATION COM 22160K105 1,186,394 1,268 SH SOLE 0 0 1,268
CROWDSTRIKE HLDGS INC CL A 22788C105 716,588 939 SH SOLE 0 0 939
DEERE & CO COM 244199105 2,197,953 3,465 SH SOLE 0 0 3,465
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 856,529 16,437 SH SOLE 0 0 16,437
EA SERIES TRUST FREEDOM 100 EM 02072L607 523,033 7,175 SH SOLE 0 0 7,175
EMERSON ELEC CO COM 291011104 602,089 4,206 SH SOLE 0 0 4,206
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 344,070 9,000 SH SOLE 0 0 9,000
FIRST TR EXCHANGE-TRADED FD SHS 33734H106 258,598 5,367 SH SOLE 0 0 5,367
FRANKLIN TEMPLETON HOLDINGS RESPBLY SRCD GLD 35473M105 216,469 4,056 SH SOLE 0 0 4,056
GLOBAL X FDS DEFENSE TECH ETF 37960A529 3,765,378 63,061 SH SOLE 0 0 63,061
HOME DEPOT INC COM 437076102 204,182 579 SH SOLE 0 0 579
INTERNATIONAL BUSINESS MACHS COM 459200101 386,256 1,374 SH SOLE 0 0 1,374
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 4,433,664 188,506 SH SOLE 0 0 188,506
INVESCO QQQ TR UNIT SER 1 46090E103 282,971 384 SH SOLE 0 0 384
ISHARES GOLD TR ISHARES NEW 464285204 2,686,193 35,574 SH SOLE 0 0 35,574
ISHARES INC CORE MSCI EMKT 46434G103 3,828,821 46,219 SH SOLE 0 0 46,219
ISHARES TR 0-5 YR TIPS ETF 46429B747 428,056 4,190 SH SOLE 0 0 4,190
ISHARES TR CORE DIV GRWTH 46434V621 1,162,479 15,338 SH SOLE 0 0 15,338
ISHARES TR CORE HIGH DV ETF 46429B663 352,555 12,862 SH SOLE 0 0 12,862
ISHARES TR CORE MSCI TOTAL 46432F834 12,588,562 131,900 SH SOLE 0 0 131,900
ISHARES TR CORE S&P500 ETF 464287200 1,017,218 1,358 SH SOLE 0 0 1,358
ISHARES TR CORE UNIVRSL USD 46434V613 30,027,648 650,653 SH SOLE 0 0 650,653
ISHARES TR CORE US AGGBD ET 464287226 733,151 7,407 SH SOLE 0 0 7,407
ISHARES TR EAFE GRWTH ETF 464288885 727,942 5,851 SH SOLE 0 0 5,851
ISHARES TR ESG ADVAN ETF 46436E619 420,520 9,678 SH SOLE 0 0 9,678
ISHARES TR ESG AWRE 1 5 YR 46435G243 718,304 28,744 SH SOLE 0 0 28,744
ISHARES TR ESG AWRE USD ETF 46435G193 1,454,877 62,842 SH SOLE 0 0 62,842
ISHARES TR ESG EAFE ETF 46436E759 730,154 8,631 SH SOLE 0 0 8,631
ISHARES TR ESG MSCI USA ETF 46436E767 2,512,250 36,174 SH SOLE 0 0 36,174
ISHARES TR MSCI USA MIN ETF 46429B697 487,587 5,055 SH SOLE 0 0 5,055
ISHARES TR MSCI USA QLT FCT 46432F339 8,623,842 39,301 SH SOLE 0 0 39,301
ISHARES TR NATIONAL MUN ETF 464288414 9,910,888 92,092 SH SOLE 0 0 92,092
ISHARES TR RUS 1000 GRW ETF 464287614 538,188 4,334 SH SOLE 0 0 4,334
ISHARES TR RUS 1000 VAL ETF 464287598 755,446 3,116 SH SOLE 0 0 3,116
ISHARES TR RUS 2000 VAL ETF 464287630 435,264 1,968 SH SOLE 0 0 1,968
ISHARES TR RUS MD CP GR ETF 464287481 556,065 3,798 SH SOLE 0 0 3,798
ISHARES TR RUS MDCP VAL ETF 464287473 664,682 4,038 SH SOLE 0 0 4,038
ISHARES TR S&P 100 ETF 464287101 1,131,214 15,394 SH SOLE 0 0 15,394
ISHARES TR SYSTEMATIC BD ET 46435U796 849,700 9,578 SH SOLE 0 0 9,578
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 280,617 5,978 SH SOLE 0 0 5,978
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 532,406 9,426 SH SOLE 0 0 9,426
J P MORGAN EXCHANGE TRADED F HEDG EQU LAD ETF 46654Q724 1,864,935 27,596 SH SOLE 0 0 27,596
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 8,007,257 158,074 SH SOLE 0 0 158,074
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 712,292 14,085 SH SOLE 0 0 14,085
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1,504,017 29,491 SH SOLE 0 0 29,491
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779 3,975,298 46,516 SH SOLE 0 0 46,516
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 294,217 4,071 SH SOLE 0 0 4,071
JOHNSON & JOHNSON COM 478160104 500,130 1,969 SH SOLE 0 0 1,969
JPMORGAN CHASE & CO COM 46625H100 290,686 888 SH SOLE 0 0 888
KLA CORP COM NEW 482480100 375,504 1,245 SH SOLE 0 0 1,245
LOWES COS INC COM 548661107 213,807 970 SH SOLE 0 0 970
MERCK & CO INC COM 58933Y105 286,984 2,233 SH SOLE 0 0 2,233
MICROSOFT CORP COM 594918104 16,869,642 45,224 SH SOLE 0 0 45,224
MORGAN STANLEY ETF TRUST CALVERT US LARCP 61774R205 232,638 2,463 SH SOLE 0 0 2,463
NEXTERA ENERGY INC COM 65339F101 374,810 4,270 SH SOLE 0 0 4,270
NISOURCE INC COM 65473P105 303,054 6,373 SH SOLE 0 0 6,373
NOKIA CORP SPONSORED ADR 654902204 316,582 23,839 SH SOLE 0 0 23,839
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 311,065 2,657 SH SOLE 0 0 2,657
NVIDIA CORPORATION COM 67066G104 1,073,762 5,366 SH SOLE 0 0 5,366
PEPSICO INC COM 713448108 224,363 1,657 SH SOLE 0 0 1,657
PHILIP MORRIS INTL INC COM 718172109 843,158 4,661 SH SOLE 0 0 4,661
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 910,518 18,030 SH SOLE 0 0 18,030
PNC FINL SVCS GROUP INC COM 693475105 252,622 1,026 SH SOLE 0 0 1,026
PROCTER & GAMBLE CO COM 742718109 414,498 2,827 SH SOLE 0 0 2,827
QUAKER INVT TR AFFORDABLE HOUS 74741A106 1,490,477 86,279 SH SOLE 0 0 86,279
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 817,302 15,491 SH SOLE 0 0 15,491
SCHWAB STRATEGIC TR GOVT MONE MA ETF 808524581 327,106 3,247 SH SOLE 0 0 3,247
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,269,164 112,885 SH SOLE 0 0 112,885
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,321,010 262,410 SH SOLE 0 0 262,410
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 17,488,363 516,796 SH SOLE 0 0 516,796
SCHWAB STRATEGIC TR US REIT ETF 808524847 254,229 10,736 SH SOLE 0 0 10,736
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 235,831 6,527 SH SOLE 0 0 6,527
SCHWAB STRATEGIC TR US TIPS ETF 808524870 835,495 31,528 SH SOLE 0 0 31,528
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 203,192 1,097 SH SOLE 0 0 1,097
SELECTIVE INS GROUP INC COM 816300107 637,841 6,575 SH SOLE 0 0 6,575
SIMON PPTY GROUP INC NEW COM 828806109 257,333 1,151 SH SOLE 0 0 1,151
SOUTHERN CO COM 842587107 718,506 7,507 SH SOLE 0 0 7,507
STARBUCKS CORP COM 855244109 819,123 8,016 SH SOLE 0 0 8,016
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 307,660 412 SH SOLE 0 0 412
T-MOBILE US INC COM 872590104 314,158 1,873 SH SOLE 0 0 1,873
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 267,382 10,461 SH SOLE 0 0 10,461
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,141,014 85,505 SH SOLE 0 0 85,505
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 19,101,349 27,812 SH SOLE 0 0 27,812
VANGUARD INDEX FDS SM CP VAL ETF 922908611 464,246 1,911 SH SOLE 0 0 1,911
VANGUARD INDEX FDS TOTAL STK MKT 922908769 17,855,562 48,253 SH SOLE 0 0 48,253
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,123,436 13,414 SH SOLE 0 0 13,414
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 222,705 3,731 SH SOLE 0 0 3,731
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 254,437 2,874 SH SOLE 0 0 2,874
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 682,581 13,589 SH SOLE 0 0 13,589
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 4,614,001 83,617 SH SOLE 0 0 83,617
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,249,959 17,543 SH SOLE 0 0 17,543
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 872,322 2,199 SH SOLE 0 0 2,199
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,129,925 13,723 SH SOLE 0 0 13,723
VANGUARD WORLD FD ESG US STK ETF 921910733 2,028,767 15,342 SH SOLE 0 0 15,342
VANGUARD WORLD FD INF TECH ETF 92204A702 393,322 3,291 SH SOLE 0 0 3,291
WALMART INC COM 931142103 247,515 2,185 SH SOLE 0 0 2,185
WELLS FARGO & CO COM 949746101 226,598 2,742 SH SOLE 0 0 2,742
WISDOMTREE TR EM EX ST-OWNED 97717X578 766,295 15,581 SH SOLE 0 0 15,581