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
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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
ISHARES TR CORE S&P500 ETF 464287200 33,559,528 75,295 SH SOLE 0 0 75,295
ISHARES TR CORE S&P TTL STK 464287150 19,301,837 197,280 SH SOLE 0 0 197,280
ISHARES TR MSCI ACWI EX US 464288240 17,474,503 355,029 SH SOLE 0 0 355,029
ISHARES TR CORE TOTAL USD 46434V613 14,233,588 313,033 SH SOLE 0 0 313,033
ISHARES TR MSCI INTL QUALTY 46434V456 9,813,274 275,654 SH SOLE 0 0 275,654
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,277,648 160,109 SH SOLE 0 0 160,109
ISHARES TR CORE HIGH DV ETF 46429B663 7,013,539 69,586 SH SOLE 0 0 69,586
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 6,632,987 104,952 SH SOLE 0 0 104,952
ISHARES TR ESG AWR MSCI USA 46435G425 6,316,771 64,814 SH SOLE 0 0 64,814
APPLE INC COM 037833100 6,156,681 31,740 SH SOLE 0 0 31,740
ISHARES TR MBS ETF 464288588 5,915,659 63,429 SH SOLE 0 0 63,429
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,221,298 23,703 SH SOLE 0 0 23,703
ISHARES TR MSCI USA QLT FCT 46432F339 4,983,986 36,954 SH SOLE 0 0 36,954
ISHARES TR NATIONAL MUN ETF 464288414 4,894,958 45,863 SH SOLE 0 0 45,863
MICROSOFT CORP COM 594918104 4,172,237 12,252 SH SOLE 0 0 12,252
ISHARES TR EAFE GRWTH ETF 464288885 3,987,120 41,789 SH SOLE 0 0 41,789
ISHARES TR EAFE VALUE ETF 464288877 3,683,746 75,271 SH SOLE 0 0 75,271
ISHARES TR CORE MSCI INTL 46435G326 3,668,239 60,017 SH SOLE 0 0 60,017
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 3,293,428 126,768 SH SOLE 0 0 126,768
ISHARES INC CORE MSCI EMKT 46434G103 3,199,808 64,918 SH SOLE 0 0 64,918
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 3,184,314 20,952 SH SOLE 0 0 20,952
ISHARES TR CORE S&P MCP ETF 464287507 3,084,226 11,795 SH SOLE 0 0 11,795
ISHARES TR US TREAS BD ETF 46429B267 2,676,025 116,857 SH SOLE 0 0 116,857
ISHARES TR CORE S&P SCP ETF 464287804 2,486,146 24,949 SH SOLE 0 0 24,949
AMAZON COM INC COM 023135106 2,354,302 18,060 SH SOLE 0 0 18,060
ISHARES TR 10-20 YR TRS ETF 464288653 2,351,869 21,232 SH SOLE 0 0 21,232
ISHARES TR 0-5YR HI YL CP 46434V407 2,256,414 54,437 SH SOLE 0 0 54,437
JPMORGAN CHASE & CO COM 46625H100 2,032,801 13,977 SH SOLE 0 0 13,977
ISHARES TR JPMORGAN USD EMG 464288281 1,891,029 21,852 SH SOLE 0 0 21,852
ISHARES TR SHRT NAT MUN ETF 464288158 1,842,172 17,706 SH SOLE 0 0 17,706
ISHARES TR U.S. TECH ETF 464287721 1,753,792 16,109 SH SOLE 0 0 16,109
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,611,830 3,958 SH SOLE 0 0 3,958
ISHARES TR MSCI USA MIN VOL 46429B697 1,498,241 20,157 SH SOLE 0 0 20,157
NVIDIA CORPORATION COM 67066G104 1,495,879 3,536 SH SOLE 0 0 3,536
TESLA INC COM 88160R101 1,438,688 5,496 SH SOLE 0 0 5,496
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,382,675 29,941 SH SOLE 0 0 29,941
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,357,310 2,834 SH SOLE 0 0 2,834
ALPHABET INC CAP STK CL A 02079K305 1,135,594 9,487 SH SOLE 0 0 9,487
JOHNSON & JOHNSON COM 478160104 1,112,251 6,720 SH SOLE 0 0 6,720
BROADCOM INC COM 11135F101 1,052,822 1,214 SH SOLE 0 0 1,214
HOME DEPOT INC COM 437076102 1,046,684 3,369 SH SOLE 0 0 3,369
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104 1,039,797 42,808 SH SOLE 0 0 42,808
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,026,410 3,010 SH SOLE 0 0 3,010
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 996,415 19,841 SH SOLE 0 0 19,841
ISHARES TR CORE US AGGBD ET 464287226 966,099 9,863 SH SOLE 0 0 9,863
PROCTER AND GAMBLE CO COM 742718109 925,068 6,096 SH SOLE 0 0 6,096
PIMCO ETF TR ACTIVE BD ETF 72201R775 867,384 9,467 SH SOLE 0 0 9,467
VISA INC COM CL A 92826C839 850,765 3,582 SH SOLE 0 0 3,582
META PLATFORMS INC CL A 30303M102 807,849 2,815 SH SOLE 0 0 2,815
UNITEDHEALTH GROUP INC COM 91324P102 803,880 1,673 SH SOLE 0 0 1,673
MERCK & CO INC COM 58933Y105 782,920 6,785 SH SOLE 0 0 6,785
ISHARES TR MSCI USA MMENTM 46432F396 778,517 5,397 SH SOLE 0 0 5,397
COMCAST CORP NEW CL A 20030N101 763,390 18,373 SH SOLE 0 0 18,373
BANK AMERICA CORP COM 060505104 750,432 26,157 SH SOLE 0 0 26,157
CHEVRON CORP NEW COM 166764100 730,345 4,642 SH SOLE 0 0 4,642
ISHARES TR RUSSELL 2000 ETF 464287655 719,154 3,840 SH SOLE 0 0 3,840
COCA COLA CO COM 191216100 682,451 11,333 SH SOLE 0 0 11,333
LILLY ELI & CO COM 532457108 676,465 1,442 SH SOLE 0 0 1,442
SPDR SER TR NUVEEN BLMBRG MU 78468R721 665,535 14,418 SH SOLE 0 0 14,418
SPDR SER TR PRTFLO S&P500 GW 78464A409 662,569 10,860 SH SOLE 0 0 10,860
MCDONALDS CORP COM 580135101 648,465 2,173 SH SOLE 0 0 2,173
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 633,530 19,620 SH SOLE 0 0 19,620
ALPHABET INC CAP STK CL C 02079K107 607,632 5,023 SH SOLE 0 0 5,023
CISCO SYS INC COM 17275R102 601,156 11,619 SH SOLE 0 0 11,619
MASTERCARD INCORPORATED CL A 57636Q104 579,707 1,474 SH SOLE 0 0 1,474
ENTERPRISE PRODS PARTNERS L COM 293792107 570,346 21,645 SH SOLE 0 0 21,645
BOEING CO COM 097023105 570,169 2,700 SH SOLE 0 0 2,700
ABBVIE INC COM 00287Y109 550,855 4,089 SH SOLE 0 0 4,089
PEPSICO INC COM 713448108 546,967 2,953 SH SOLE 0 0 2,953
PFIZER INC COM 717081103 545,611 14,875 SH SOLE 0 0 14,875
BERKSHIRE HATHAWAY INC DEL CL A 084670108 517,810 1 SH SOLE 0 0 1
ISHARES TR FALN ANGLS USD 46435G474 517,611 20,403 SH SOLE 0 0 20,403
RAYTHEON TECHNOLOGIES CORP COM 75513E101 513,911 5,246 SH SOLE 0 0 5,246
WALMART INC COM 931142103 498,384 3,171 SH SOLE 0 0 3,171
ORACLE CORP COM 68389X105 478,172 4,015 SH SOLE 0 0 4,015
VANGUARD STAR FDS VG TL INTL STK F 921909768 473,540 8,444 SH SOLE 0 0 8,444
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 448,174 2,178 SH SOLE 0 0 2,178
FAIR ISAAC CORP COM 303250104 442,638 547 SH SOLE 0 0 547
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 440,099 3,316 SH SOLE 0 0 3,316
DISNEY WALT CO COM 254687106 424,606 4,756 SH SOLE 0 0 4,756
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 424,328 7,799 SH SOLE 0 0 7,799
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 420,744 2,827 SH SOLE 0 0 2,827
ADOBE SYSTEMS INCORPORATED COM 00724F101 404,884 828 SH SOLE 0 0 828
CITIGROUP INC COM NEW 172967424 401,929 8,730 SH SOLE 0 0 8,730
SPDR S&P 500 ETF TR TR UNIT 78462F103 398,065 898 SH SOLE 0 0 898
ABBOTT LABS COM 002824100 390,048 3,578 SH SOLE 0 0 3,578
PHILIP MORRIS INTL INC COM 718172109 386,575 3,960 SH SOLE 0 0 3,960
COSTCO WHSL CORP NEW COM 22160K105 381,727 709 SH SOLE 0 0 709
AMGEN INC COM 031162100 379,428 1,709 SH SOLE 0 0 1,709
SYNCHRONY FINANCIAL COM 87165B103 374,915 11,053 SH SOLE 0 0 11,053
MCKESSON CORP COM 58155Q103 370,050 866 SH SOLE 0 0 866
DEERE & CO COM 244199105 365,507 902 SH SOLE 0 0 902
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 365,163 28,753 SH SOLE 0 0 28,753
BLACKSTONE INC COM 09260D107 361,188 3,885 SH SOLE 0 0 3,885
NEXTERA ENERGY INC COM 65339F101 357,519 4,818 SH SOLE 0 0 4,818
ISHARES TR RUS 1000 ETF 464287622 353,853 1,452 SH SOLE 0 0 1,452
ALTRIA GROUP INC COM 02209S103 353,400 7,801 SH SOLE 0 0 7,801
DISCOVER FINL SVCS COM 254709108 352,474 3,016 SH SOLE 0 0 3,016
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 340,916 4,695 SH SOLE 0 0 4,695
VERTEX PHARMACEUTICALS INC COM 92532F100 323,757 920 SH SOLE 0 0 920
BUILDERS FIRSTSOURCE INC COM 12008R107 316,200 2,325 SH SOLE 0 0 2,325
THE CIGNA GROUP COM 125523100 313,657 1,118 SH SOLE 0 0 1,118
CARDINAL HEALTH INC COM 14149Y108 312,270 3,302 SH SOLE 0 0 3,302
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 304,260 986 SH SOLE 0 0 986
INTERNATIONAL BUSINESS MACHS COM 459200101 302,544 2,261 SH SOLE 0 0 2,261
LOWES COS INC COM 548661107 300,181 1,330 SH SOLE 0 0 1,330
NETFLIX INC COM 64110L106 294,247 668 SH SOLE 0 0 668
GENERAL MLS INC COM 370334104 294,221 3,836 SH SOLE 0 0 3,836
GILEAD SCIENCES INC COM 375558103 293,868 3,813 SH SOLE 0 0 3,813
HARTFORD FINL SVCS GROUP INC COM 416515104 291,362 4,046 SH SOLE 0 0 4,046
SALESFORCE INC COM 79466L302 287,525 1,361 SH SOLE 0 0 1,361
APPLIED MATLS INC COM 038222105 286,403 1,981 SH SOLE 0 0 1,981
HOLOGIC INC COM 436440101 286,310 3,536 SH SOLE 0 0 3,536
ISHARES GOLD TR ISHARES NEW 464285204 283,769 7,798 SH SOLE 0 0 7,798
BOOKING HOLDINGS INC COM 09857L108 280,834 104 SH SOLE 0 0 104
ADVANCED MICRO DEVICES INC COM 007903107 278,738 2,447 SH SOLE 0 0 2,447
AMERICAN EXPRESS CO COM 025816109 278,146 1,597 SH SOLE 0 0 1,597
DOW INC COM 260557103 276,595 5,193 SH SOLE 0 0 5,193
MEDTRONIC PLC SHS G5960L103 273,200 3,101 SH SOLE 0 0 3,101
STARBUCKS CORP COM 855244109 269,443 2,720 SH SOLE 0 0 2,720
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 265,973 3,515 SH SOLE 0 0 3,515
CONOCOPHILLIPS COM 20825C104 257,989 2,490 SH SOLE 0 0 2,490
WILLIAMS COS INC COM 969457100 257,516 7,892 SH SOLE 0 0 7,892
ISHARES TR MSCI EAFE ETF 464287465 256,909 3,544 SH SOLE 0 0 3,544
STRYKER CORPORATION COM 863667101 255,971 839 SH SOLE 0 0 839
UNITED PARCEL SERVICE INC CL B 911312106 254,833 1,422 SH SOLE 0 0 1,422
INTEL CORP COM 458140100 254,282 7,604 SH SOLE 0 0 7,604
MORGAN STANLEY COM NEW 617446448 253,045 2,963 SH SOLE 0 0 2,963
PROLOGIS INC. COM 74340W103 252,618 2,060 SH SOLE 0 0 2,060
TEXAS INSTRS INC COM 882508104 250,408 1,391 SH SOLE 0 0 1,391
JOHNSON CTLS INTL PLC SHS G51502105 249,508 3,662 SH SOLE 0 0 3,662
KROGER CO COM 501044101 248,583 5,289 SH SOLE 0 0 5,289
AT&T INC COM 00206R102 245,762 15,408 SH SOLE 0 0 15,408
MARATHON PETE CORP COM 56585A102 245,483 2,105 SH SOLE 0 0 2,105
CHENIERE ENERGY INC COM NEW 16411R208 244,385 1,604 SH SOLE 0 0 1,604
LOCKHEED MARTIN CORP COM 539830109 243,829 530 SH SOLE 0 0 530
CATERPILLAR INC COM 149123101 241,375 981 SH SOLE 0 0 981
PHILLIPS 66 COM 718546104 236,657 2,481 SH SOLE 0 0 2,481
ENBRIDGE INC COM 29250N105 230,293 6,199 SH SOLE 0 0 6,199
LINDE PLC SHS G54950103 230,273 604 SH SOLE 0 0 604
BRISTOL-MYERS SQUIBB CO COM 110122108 227,406 3,556 SH SOLE 0 0 3,556
TRAVELERS COMPANIES INC COM 89417E109 224,716 1,294 SH SOLE 0 0 1,294
AMERICAN INTL GROUP INC COM NEW 026874784 223,946 3,892 SH SOLE 0 0 3,892
TJX COS INC NEW COM 872540109 221,048 2,607 SH SOLE 0 0 2,607
3M CO COM 88579Y101 217,537 2,173 SH SOLE 0 0 2,173
DANAHER CORPORATION COM 235851102 216,960 904 SH SOLE 0 0 904
THERMO FISHER SCIENTIFIC INC COM 883556102 215,483 413 SH SOLE 0 0 413
KIMBERLY-CLARK CORP COM 494368103 213,448 1,546 SH SOLE 0 0 1,546
KLA CORP COM NEW 482480100 212,924 439 SH SOLE 0 0 439
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 212,594 1,309 SH SOLE 0 0 1,309
STATE STR CORP COM 857477103 208,709 2,852 SH SOLE 0 0 2,852
WELLS FARGO CO NEW COM 949746101 208,278 4,880 SH SOLE 0 0 4,880
TARGET CORP COM 87612E106 207,140 1,570 SH SOLE 0 0 1,570
EATON CORP PLC SHS G29183103 206,530 1,027 SH SOLE 0 0 1,027
GENERAL DYNAMICS CORP COM 369550108 205,468 955 SH SOLE 0 0 955
EQUIFAX INC COM 294429105 205,187 872 SH SOLE 0 0 872
CHUBB LIMITED COM H1467J104 204,209 1,060 SH SOLE 0 0 1,060
ISHARES TR US INFRASTRUC 46435U713 202,285 5,176 SH SOLE 0 0 5,176
VIATRIS INC COM 92556V106 167,225 16,756 SH SOLE 0 0 16,756
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 147,373 10,452 SH SOLE 0 0 10,452