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 C 02079K107 261,782 768 SH SOLE 0 0 768
ALTRIA GROUP INC COM 02209S103 625,927 9,295 SH SOLE 0 0 9,295
AMAZON COM INC COM 023135106 458,934 1,842 SH SOLE 0 0 1,842
AMGEN INC COM 031162100 210,223 499 SH SOLE 0 0 499
APPLE INC COM 037833100 4,195,534 12,598 SH SOLE 0 0 12,598
APPLIED MATLS INC COM 038222105 414,402 810 SH SOLE 0 0 810
BANK OF AMER CORP COM 060505104 1,142,804 20,996 SH SOLE 0 0 20,996
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,635,649 5,293 SH SOLE 0 0 5,293
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 5,345,455 113,275 SH SOLE 0 0 113,275
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 12,414,777 341,534 SH SOLE 0 0 341,534
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 5,442,103 111,154 SH SOLE 0 0 111,154
BLACKROCK ETF TRUST ISHA LA VALU ETF 09290C616 8,848,627 213,942 SH SOLE 0 0 213,942
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 4,273,443 143,116 SH SOLE 0 0 143,116
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 1,534,336 18,787 SH SOLE 0 0 18,787
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 4,323,391 98,304 SH SOLE 0 0 98,304
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 10,955,159 158,174 SH SOLE 0 0 158,174
BLACKROCK ETF TRUST ISHARES US LARG 09290C863 739,696 21,465 SH SOLE 0 0 21,465
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 358,830 7,065 SH SOLE 0 0 7,065
BLACKROCK ETF TRUST II ISHA SECU IN ETF 092528819 366,853 7,555 SH SOLE 0 0 7,555
BLACKROCK ETF TRUST II ISHAR INTER ETF 092528207 5,494,008 240,018 SH SOLE 0 0 240,018
BLACKROCK ETF TRUST II ISHARES AAA CLO 092528504 295,665 5,699 SH SOLE 0 0 5,699
BOEING CO COM 097023105 367,846 1,977 SH SOLE 0 0 1,977
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 2,381,325 91,801 SH SOLE 0 0 91,801
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 8,739,743 333,196 SH SOLE 0 0 333,196
CISCO SYS INC COM 17275R102 513,250 4,769 SH SOLE 0 0 4,769
COCA-COLA EUROPACIFIC PARTNE SHS G25839104 298,519 2,935 SH SOLE 0 0 2,935
COSTCO WHOLESALE CORPORATION COM 22160K105 1,155,851 1,270 SH SOLE 0 0 1,270
CROWDSTRIKE HLDGS INC CL A 22788C105 994,401 3,756 SH SOLE 0 0 3,756
DEERE & CO COM 244199105 2,068,374 3,080 SH SOLE 0 0 3,080
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 835,953 16,871 SH SOLE 0 0 16,871
EA SERIES TRUST FREEDOM 100 EM 02072L607 445,553 6,369 SH SOLE 0 0 6,369
EMERSON ELEC CO COM 291011104 619,004 3,991 SH SOLE 0 0 3,991
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 356,040 9,000 SH SOLE 0 0 9,000
FIRST TR EXCHANGE-TRADED FD SHS 33734H106 251,564 5,363 SH SOLE 0 0 5,363
GLOBAL X FDS DEFENSE TECH ETF 37960A529 3,530,289 58,760 SH SOLE 0 0 58,760
INTERNATIONAL BUSINESS MACHS COM 459200101 299,544 1,362 SH SOLE 0 0 1,362
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 3,110,040 145,397 SH SOLE 0 0 145,397
INVESCO QQQ TR UNIT SER 1 46090E103 284,555 385 SH SOLE 0 0 385
ISHARES GOLD TR ISHARES NEW 464285204 3,271,531 41,889 SH SOLE 0 0 41,889
ISHARES INC CORE MSCI EMKT 46434G103 3,995,865 49,234 SH SOLE 0 0 49,234
ISHARES TR 0-5 YR TIPS ETF 46429B747 463,269 4,647 SH SOLE 0 0 4,647
ISHARES TR CORE DIV GRWTH 46434V621 928,443 12,315 SH SOLE 0 0 12,315
ISHARES TR CORE HIGH DV ETF 46429B663 294,173 10,521 SH SOLE 0 0 10,521
ISHARES TR CORE MSCI EAFE 46432F842 5,574,973 57,545 SH SOLE 0 0 57,545
ISHARES TR CORE MSCI TOTAL 46432F834 11,905,980 125,339 SH SOLE 0 0 125,339
ISHARES TR CORE S&P500 ETF 464287200 940,144 1,228 SH SOLE 0 0 1,228
ISHARES TR CORE UNIVRSL USD 46434V613 30,857,643 699,879 SH SOLE 0 0 699,879
ISHARES TR CORE US AGGBD ET 464287226 672,957 7,118 SH SOLE 0 0 7,118
ISHARES TR ESG ADVAN ETF 46436E619 251,290 6,045 SH SOLE 0 0 6,045
ISHARES TR ESG AWR MSCI USA 46436E221 474,863 13,096 SH SOLE 0 0 13,096
ISHARES TR ESG AWRE 1 5 YR 46435G243 605,053 24,767 SH SOLE 0 0 24,767
ISHARES TR ESG AWRE USD ETF 46435G193 1,397,724 63,692 SH SOLE 0 0 63,692
ISHARES TR ESG EAFE ETF 46436E759 1,017,125 12,016 SH SOLE 0 0 12,016
ISHARES TR ESG MSCI USA ETF 46436E767 2,336,053 34,323 SH SOLE 0 0 34,323
ISHARES TR MSCI USA MIN ETF 46429B697 418,589 4,296 SH SOLE 0 0 4,296
ISHARES TR MSCI USA QLT FCT 46432F339 8,249,034 37,118 SH SOLE 0 0 37,118
ISHARES TR NATIONAL MUN ETF 464288414 5,824,961 57,616 SH SOLE 0 0 57,616
ISHARES TR RUS 1000 GRW ETF 464287614 543,346 4,338 SH SOLE 0 0 4,338
ISHARES TR RUS 1000 VAL ETF 464287598 736,197 2,969 SH SOLE 0 0 2,969
ISHARES TR RUS 2000 VAL ETF 464287630 413,840 1,976 SH SOLE 0 0 1,976
ISHARES TR RUS MD CP GR ETF 464287481 523,503 3,802 SH SOLE 0 0 3,802
ISHARES TR RUS MDCP VAL ETF 464287473 651,387 4,052 SH SOLE 0 0 4,052
ISHARES TR S&P 100 ETF 464287101 682,395 1,786 SH SOLE 0 0 1,786
ISHARES TR SYSTEMATIC BD ET 46435U796 934,115 11,083 SH SOLE 0 0 11,083
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 360,255 8,045 SH SOLE 0 0 8,045
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 441,759 7,858 SH SOLE 0 0 7,858
J P MORGAN EXCHANGE TRADED F HEDG EQU LAD ETF 46654Q724 1,889,103 27,311 SH SOLE 0 0 27,311
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 7,059,957 148,381 SH SOLE 0 0 148,381
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 228,183 4,530 SH SOLE 0 0 4,530
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1,556,801 30,791 SH SOLE 0 0 30,791
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 300,404 4,071 SH SOLE 0 0 4,071
JOHNSON & JOHNSON COM 478160104 548,559 2,072 SH SOLE 0 0 2,072
JPMORGAN CHASE & CO COM 46625H100 340,267 1,029 SH SOLE 0 0 1,029
KLA CORP COM NEW 482480100 242,681 1,245 SH SOLE 0 0 1,245
MERCK & CO INC COM 58933Y105 324,534 2,233 SH SOLE 0 0 2,233
MICROSOFT CORP COM 594918104 23,005,531 44,854 SH SOLE 0 0 44,854
NEXTERA ENERGY INC COM 65339F101 338,630 4,471 SH SOLE 0 0 4,471
NISOURCE INC COM 65473P105 248,561 6,373 SH SOLE 0 0 6,373
NOKIA CORP SPONSORED ADR 654902204 241,727 23,839 SH SOLE 0 0 23,839
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 280,838 2,470 SH SOLE 0 0 2,470
NVIDIA CORPORATION COM 67066G104 1,227,832 5,376 SH SOLE 0 0 5,376
PEPSICO INC COM 713448108 224,753 1,774 SH SOLE 0 0 1,774
PHILIP MORRIS INTL INC COM 718172109 889,675 4,662 SH SOLE 0 0 4,662
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 894,414 18,102 SH SOLE 0 0 18,102
PNC FINL SVCS GROUP INC COM 693475105 252,487 1,136 SH SOLE 0 0 1,136
PROCTER & GAMBLE CO COM 742718109 411,350 2,831 SH SOLE 0 0 2,831
QUAKER INVT TR AFFORDABLE HOUS 74741A106 1,243,466 76,380 SH SOLE 0 0 76,380
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 673,001 12,521 SH SOLE 0 0 12,521
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,186,422 108,714 SH SOLE 0 0 108,714
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,966,810 244,907 SH SOLE 0 0 244,907
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 18,207,213 506,741 SH SOLE 0 0 506,741
SCHWAB STRATEGIC TR US REIT ETF 808524847 236,622 10,736 SH SOLE 0 0 10,736
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 213,218 6,534 SH SOLE 0 0 6,534
SCHWAB STRATEGIC TR US TIPS ETF 808524870 598,073 23,799 SH SOLE 0 0 23,799
SELECTIVE INS GROUP INC COM 816300107 549,670 6,575 SH SOLE 0 0 6,575
SIMON PPTY GROUP INC NEW COM 828806109 233,555 1,163 SH SOLE 0 0 1,163
SOUTHERN CO COM 842587107 622,265 7,507 SH SOLE 0 0 7,507
SPDR SERIES TRUST ST STR NUVEE ETF 78468R721 817,249 19,108 SH SOLE 0 0 19,108
STARBUCKS CORP COM 855244109 741,128 7,888 SH SOLE 0 0 7,888
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 285,794 375 SH SOLE 0 0 375
T-MOBILE US INC COM 872590104 205,970 1,263 SH SOLE 0 0 1,263
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 218,797 8,812 SH SOLE 0 0 8,812
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,231,484 90,281 SH SOLE 0 0 90,281
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 441,396 1,911 SH SOLE 0 0 1,911
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 18,062,965 48,266 SH SOLE 0 0 48,266
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 24,240,125 34,586 SH SOLE 0 0 34,586
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,113,026 13,415 SH SOLE 0 0 13,415
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 221,677 3,738 SH SOLE 0 0 3,738
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 250,058 2,881 SH SOLE 0 0 2,881
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 716,364 14,554 SH SOLE 0 0 14,554
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,799,392 59,109 SH SOLE 0 0 59,109
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 4,591,903 91,582 SH SOLE 0 0 91,582
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,612,857 22,842 SH SOLE 0 0 22,842
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 803,759 2,204 SH SOLE 0 0 2,204
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,062,138 13,101 SH SOLE 0 0 13,101
VANGUARD WORLD FD ESG US STK ETF 921910733 1,955,987 14,432 SH SOLE 0 0 14,432
VANGUARD WORLD FD INF TECH ETF 92204A702 496,781 3,953 SH SOLE 0 0 3,953
WALMART INC COM 931142103 227,623 2,190 SH SOLE 0 0 2,190
WELLS FARGO & CO COM 949746101 219,496 2,742 SH SOLE 0 0 2,742
WISDOMTREE TR EM EX ST-OWNED 97717X578 663,480 14,162 SH SOLE 0 0 14,162