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
3M CO COM 88579Y101 261,161 1,613 SH SOLE 0 0 1,613
ALPHABET INC CAP STK CL A 02079K305 214,075 599 SH SOLE 0 0 599
AMAZON COM INC COM 023135106 393,499 1,651 SH SOLE 0 0 1,651
APPLE INC COM 037833100 452,015 1,562 SH SOLE 0 0 1,562
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 4,311,389 81,779 SH SOLE 0 0 81,779
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 4,639,233 126,755 SH SOLE 0 0 126,755
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 1,856,235 36,852 SH SOLE 0 0 36,852
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 2,669,519 95,170 SH SOLE 0 0 95,170
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 2,338,588 54,247 SH SOLE 0 0 54,247
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 7,975,481 117,269 SH SOLE 0 0 117,269
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 5,238,292 100,082 SH SOLE 0 0 100,082
CATERPILLAR INC COM 149123101 617,642 580 SH SOLE 0 0 580
CONSOLIDATED EDISON INC COM 209115104 398,268 3,600 SH SOLE 0 0 3,600
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 449,145 10,125 SH SOLE 0 0 10,125
ELI LILLY & CO COM 532457108 215,897 180 SH SOLE 0 0 180
EXXON MOBIL CORP COM 30231G102 895,148 6,547 SH SOLE 0 0 6,547
GLOBAL X FDS DEFENSE TECH ETF 37960A529 2,369,651 39,686 SH SOLE 0 0 39,686
HANOVER INS GROUP INC COM 410867105 613,454 2,865 SH SOLE 0 0 2,865
HOME DEPOT INC COM 437076102 277,951 788 SH SOLE 0 0 788
ISHARES GOLD TR ISHARES NEW 464285204 2,953,800 39,118 SH SOLE 0 0 39,118
ISHARES GOLD TRUST MICRO SHS REPSTG UN TR 46436F103 270,788 6,768 SH SOLE 0 0 6,768
ISHARES TR 10-20 YR TRS ETF 464288653 3,723,788 37,108 SH SOLE 0 0 37,108
ISHARES TR 20 YR TR BD ETF 464287432 336,779 3,897 SH SOLE 0 0 3,897
ISHARES TR 7-10 YR TRSY BD 464287440 654,141 6,917 SH SOLE 0 0 6,917
ISHARES TR CORE MSCI EAFE 46432F842 1,242,115 12,861 SH SOLE 0 0 12,861
ISHARES TR CORE S&P SCP ETF 464287804 1,564,689 10,550 SH SOLE 0 0 10,550
ISHARES TR CORE S&P500 ETF 464287200 34,254,642 45,741 SH SOLE 0 0 45,741
ISHARES TR EAFE GRWTH ETF 464288885 212,509 1,708 SH SOLE 0 0 1,708
ISHARES TR EAFE VALUE ETF 464288877 383,439 5,009 SH SOLE 0 0 5,009
ISHARES TR ESG MSCI KLD ETF 464288570 365,942 2,570 SH SOLE 0 0 2,570
ISHARES TR MSCI EAFE ETF 464287465 882,648 8,497 SH SOLE 0 0 8,497
ISHARES TR MSCI USA QLT FCT 46432F339 1,938,664 8,835 SH SOLE 0 0 8,835
ISHARES TR RUS 1000 GRW ETF 464287614 374,000 3,012 SH SOLE 0 0 3,012
ISHARES TR RUSSELL 2000 ETF 464287655 424,570 1,413 SH SOLE 0 0 1,413
ISHARES TR S&P 500 GRWT ETF 464287309 1,464,970 10,652 SH SOLE 0 0 10,652
ISHARES TR SELECT US REIT 464287564 317,420 4,693 SH SOLE 0 0 4,693
ISHARES TR SYSTEMATIC BD ET 46435U796 348,655 3,930 SH SOLE 0 0 3,930
ISHARES TR U.S. TECH ETF 464287721 855,060 3,390 SH SOLE 0 0 3,390
ISHARES TR US TREAS BD ETF 46429B267 4,145,094 181,962 SH SOLE 0 0 181,962
MICROSOFT CORP COM 594918104 1,043,483 2,797 SH SOLE 0 0 2,797
NVIDIA CORPORATION COM 67066G104 500,225 2,500 SH SOLE 0 0 2,500
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 244,230 6,155 SH SOLE 0 0 6,155
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 347,961 1,826 SH SOLE 0 0 1,826
SEMPRA COM 816851109 576,007 6,213 SH SOLE 0 0 6,213
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 2,005,455 3,839 SH SOLE 0 0 3,839
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 10,033,631 13,436 SH SOLE 0 0 13,436
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,574,075 2,238 SH SOLE 0 0 2,238
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 3,939,926 81,353 SH SOLE 0 0 81,353
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,116,713 52,215 SH SOLE 0 0 52,215
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 472,788 6,899 SH SOLE 0 0 6,899
WALMART INC COM 931142103 297,308 2,625 SH SOLE 0 0 2,625