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
ALPHABET INC CAP STK CL A 02079K305 431,365 1,207 SH SOLE 0 0 1,207
AMAZON COM INC COM 023135106 978,862 4,107 SH SOLE 0 0 4,107
APPLE INC COM 037833100 1,834,459 6,340 SH SOLE 0 0 6,340
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 395,308 790 SH SOLE 0 0 790
BROADCOM INC COM 11135F101 238,738 632 SH SOLE 0 0 632
CATERPILLAR INC COM 149123101 276,874 260 SH SOLE 0 0 260
DBX ETF TR XTRACK MSCI EAFE 233051200 19,774,910 361,979 SH SOLE 0 0 361,979
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 222,057 2,710 SH SOLE 0 0 2,710
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 207,991 2,526 SH SOLE 0 0 2,526
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 207,673 2,971 SH SOLE 0 0 2,971
ELI LILLY & CO COM 532457108 472,575 394 SH SOLE 0 0 394
EXXON MOBIL CORP COM 30231G102 528,149 3,863 SH SOLE 0 0 3,863
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543 268,228 7,383 SH SOLE 0 0 7,383
FIDELITY COVINGTON TRUST ENH MID COR ETF 31609A503 337,572 8,319 SH SOLE 0 0 8,319
FIDELITY COVINGTON TRUST ENHANCED SML CAP 31609A206 239,560 4,961 SH SOLE 0 0 4,961
FIDELITY MERRIMACK STR TR LOW DURATION BD 316188861 724,930 14,429 SH SOLE 0 0 14,429
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748 389,070 9,000 SH SOLE 0 0 9,000
INVESCO EXCH TRADED FD TR II ESG NASDAQ 100 46138G540 203,998 3,982 SH SOLE 0 0 3,982
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 5,973,873 304,556 SH SOLE 0 0 304,556
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 5,938,497 319,704 SH SOLE 0 0 319,704
ISHARES INC CORE MSCI EMKT 46434G103 9,488,262 114,537 SH SOLE 0 0 114,537
ISHARES INC ESG AWR MSCI EM 46434G863 271,312 4,961 SH SOLE 0 0 4,961
ISHARES TR ESG AWRE 1 5 YR 46435G243 7,742,785 309,835 SH SOLE 0 0 309,835
ISHARES TR ESG AW MSCI EAFE 46435G516 22,636,664 220,180 SH SOLE 0 0 220,180
ISHARES TR CORE US AGGBD ET 464287226 5,821,954 58,819 SH SOLE 0 0 58,819
ISHARES TR CORE S&P SCP ETF 464287804 7,235,118 48,784 SH SOLE 0 0 48,784
ISHARES TR HDG MSCI EAFE 46434V803 18,309,772 390,192 SH SOLE 0 0 390,192
ISHARES TR IBONDS DEC 27 46435U283 3,589,284 141,199 SH SOLE 0 0 141,199
ISHARES TR IBONDS DEC 2029 46436E163 3,587,854 141,310 SH SOLE 0 0 141,310
ISHARES TR NATIONAL MUN ETF 464288414 3,548,309 32,971 SH SOLE 0 0 32,971
ISHARES TR ESG AWR MSCI USA 46435G425 640,932 3,916 SH SOLE 0 0 3,916
ISHARES TR ESG OPTIMIZED 464288802 541,784 3,511 SH SOLE 0 0 3,511
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852 5,464,192 113,013 SH SOLE 0 0 113,013
JPMORGAN CHASE & CO COM 46625H100 266,061 813 SH SOLE 0 0 813
LOCKHEED MARTIN CORP COM 539830109 1,344,974 2,640 SH SOLE 0 0 2,640
MATTHEWS INTL FDS EMER MA FUTU ETF 577130628 200,607 4,720 SH SOLE 0 0 4,720
MCDONALDS CORP COM 580135101 257,335 952 SH SOLE 0 0 952
MERCK & CO INC COM 58933Y105 482,518 3,755 SH SOLE 0 0 3,755
META PLATFORMS INC CL A 30303M102 243,353 432 SH SOLE 0 0 432
MICROSOFT CORP COM 594918104 535,657 1,436 SH SOLE 0 0 1,436
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 798,907 6,825 SH SOLE 0 0 6,825
NVIDIA CORPORATION COM 67066G104 536,441 2,681 SH SOLE 0 0 2,681
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 7,541,873 149,344 SH SOLE 0 0 149,344
RBB FD INC US TREASY 2 YR 74933W486 21,038,873 438,675 SH SOLE 0 0 438,675
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 20,228,662 581,116 SH SOLE 0 0 581,116
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 11,702,096 317,388 SH SOLE 0 0 317,388
SPDR INDEX SHS FDS ST DOW GLOBA ETF 78463X749 6,648,468 133,745 SH SOLE 0 0 133,745
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 22,800,452 452,480 SH SOLE 0 0 452,480
SPDR SERIES TRUST ST STR P500GRW 78464A409 17,262,250 145,073 SH SOLE 0 0 145,073
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 5,485,577 214,952 SH SOLE 0 0 214,952
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 20,702,623 27,723 SH SOLE 0 0 27,723
UNITEDHEALTH GROUP INC COM 91324P102 2,490,039 5,991 SH SOLE 0 0 5,991
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 8,784,062 63,866 SH SOLE 0 0 63,866
VANGUARD INDEX FDS MID CAP ETF 922908629 12,070,232 149,810 SH SOLE 0 0 149,810
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 19,674,257 28,646 SH SOLE 0 0 28,646
VANGUARD INDEX FDS GROWTH ETF 922908736 20,650,976 239,737 SH SOLE 0 0 239,737
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,063,354 135,087 SH SOLE 0 0 135,087
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,478,750 128,089 SH SOLE 0 0 128,089
VANGUARD WORLD FD ESG INTL STK ETF 921910725 494,654 6,007 SH SOLE 0 0 6,007
WALMART INC COM 931142103 206,246 1,821 SH SOLE 0 0 1,821
WISDOMTREE TR US LARGECAP DIVD 97717W307 23,852,495 247,638 SH SOLE 0 0 247,638