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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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
APPLE INC COM 037833100 611,488 2,113 SH SOLE 0 0 2,113
BERKLEY W R CORP COM 084423102 568,855 8,065 SH SOLE 0 0 8,065
BONDBLOXX ETF TRUST JP MOR USD 1 ETF 09789C879 14,650,145 326,139 SH SOLE 0 0 326,139
BROADCOM INC COM 11135F101 204,772 542 SH SOLE 0 0 542
CATERPILLAR INC COM 149123101 670,887 630 SH SOLE 0 0 630
CHEVRON CORPORATION COM 166764100 226,517 1,367 SH SOLE 0 0 1,367
EXXON MOBIL CORP COM 30231G102 238,777 1,746 SH SOLE 0 0 1,746
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 7,931,639 346,058 SH SOLE 0 0 346,058
HOME DEPOT INC COM 437076102 219,811 623 SH SOLE 0 0 623
HONEYWELL AEROSPACE INC COM 43849R105 298,016 1,348 SH SOLE 0 0 1,348
HONEYWELL INTL INC COM 438516205 301,817 1,348 SH SOLE 0 0 1,348
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 17,661,970 266,274 SH SOLE 0 0 266,274
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 2,164,361 19,174 SH SOLE 0 0 19,174
ISHARES INC EM MKTS DIV ETF 464286319 1,601,025 49,675 SH SOLE 0 0 49,675
ISHARES INC JP MRG EM CRP BD 464286251 530,019 11,610 SH SOLE 0 0 11,610
ISHARES INC MSCI GBL MIN VOL 464286525 22,447,958 186,708 SH SOLE 0 0 186,708
ISHARES TR 0-3 MTH TREASURY 46436E718 14,721,126 146,232 SH SOLE 0 0 146,232
ISHARES TR CORE 1 5 YR USD 46432F859 641,229 13,290 SH SOLE 0 0 13,290
ISHARES TR CORE 60 BALA ETF 464289867 681,378 9,804 SH SOLE 0 0 9,804
ISHARES TR CORE INTL AGGR 46435G672 19,504,234 385,459 SH SOLE 0 0 385,459
ISHARES TR EAFE SML CP ETF 464288273 10,834,676 131,697 SH SOLE 0 0 131,697
ISHARES TR ESG AWRE 1 5 YR 46435G243 249,449 9,982 SH SOLE 0 0 9,982
ISHARES TR ESG SELECT SCRE 46436E551 213,690 4,098 SH SOLE 0 0 4,098
ISHARES TR INVT GRAD SY ETF 46435G219 18,427,629 408,504 SH SOLE 0 0 408,504
ISHARES TR MSCI ACWI ETF 464288257 259,785 1,655 SH SOLE 0 0 1,655
ISHARES TR NATIONAL MUN ETF 464288414 2,493,742 23,172 SH SOLE 0 0 23,172
ISHARES TR TIPS BD ETF 464287176 13,045,985 119,218 SH SOLE 0 0 119,218
ISHARES TR USD GRN BOND ETF 46435U440 302,843 6,379 SH SOLE 0 0 6,379
ISHARES U S ETF TR SHOR MAT MUN ETF 46431W838 1,120,717 22,245 SH SOLE 0 0 22,245
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 3,793,694 50,610 SH SOLE 0 0 50,610
JPMORGAN CHASE & CO COM 46625H100 247,845 757 SH SOLE 0 0 757
MICROSOFT CORP COM 594918104 998,859 2,678 SH SOLE 0 0 2,678
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 14,184,716 281,499 SH SOLE 0 0 281,499
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 1,416,587 15,458 SH SOLE 0 0 15,458
SPDR SERIES TRUST ST STR NUVEE ETF 78468R721 510,258 11,141 SH SOLE 0 0 11,141
SPDR SERIES TRUST ST STR PR SP1500 78464A805 26,781,907 294,987 SH SOLE 0 0 294,987
SPDR SERIES TRUST ST STR R1K LOWV 78468R804 23,300,909 128,408 SH SOLE 0 0 128,408
SPDR SERIES TRUST ST STR R2K LOWV 78468R887 12,725,787 80,869 SH SOLE 0 0 80,869
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 335,027 449 SH SOLE 0 0 449
TESLA INC COM 88160R101 449,201 1,068 SH SOLE 0 0 1,068
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 14,699,573 200,239 SH SOLE 0 0 200,239
VANGUARD INDEX FDS MID CAP ETF 922908629 18,711,100 232,234 SH SOLE 0 0 232,234
VANGUARD INDEX FDS SMALL CP ETF 922908751 13,995,732 46,172 SH SOLE 0 0 46,172
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 21,227,817 355,634 SH SOLE 0 0 355,634
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 16,569,946 105,575 SH SOLE 0 0 105,575
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,751,351 34,867 SH SOLE 0 0 34,867
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 22,428,993 380,281 SH SOLE 0 0 380,281
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 220,858 4,386 SH SOLE 0 0 4,386
XCEL ENERGY INC COM 98389B100 308,518 3,842 SH SOLE 0 0 3,842