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
ADVANCED MICRO DEVICES INC COM 007903107 210,445 344 SH SOLE 0 0 344
ALPHABET INC CAP STK CL A 02079K305 825,448 2,399 SH SOLE 0 0 2,399
AMAZON COM INC COM 023135106 781,085 3,135 SH SOLE 0 0 3,135
APPLE INC COM 037833100 6,851,887 20,575 SH SOLE 0 0 20,575
AUTOMATIC DATA PROCESSING IN COM 053015103 667,343 2,586 SH SOLE 0 0 2,586
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 235,628 473 SH SOLE 0 0 473
BROADCOM INC COM 11135F101 375,071 1,068 SH SOLE 0 0 1,068
CITIGROUP INC COM NEW 172967424 218,562 1,688 SH SOLE 0 0 1,688
COSTCO WHOLESALE CORPORATION COM 22160K105 294,237 323 SH SOLE 0 0 323
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 541,522 6,522 SH SOLE 0 0 6,522
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 539,770 9,814 SH SOLE 0 0 9,814
DOUBLELINE ETF TRUST MORTGAGE ETF 25861R402 10,326,157 222,979 SH SOLE 0 0 222,979
ELI LILLY & CO COM 532457108 271,914 235 SH SOLE 0 0 235
FIDELITY COVINGTON TRUST SML MID MLTFCT 316092527 387,804 7,887 SH SOLE 0 0 7,887
FIRST TR EXCH TRD ALPHDX FD DEV MRK EX US 33737J174 4,269,360 45,569 SH SOLE 0 0 45,569
HOME DEPOT INC COM 437076102 281,361 989 SH SOLE 0 0 989
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 701,235 3,371 SH SOLE 0 0 3,371
INVESCO QQQ TR UNIT SER 1 46090E103 449,040 607 SH SOLE 0 0 607
ISHARES INC MSCI JAPAN ETF 46434G822 656,491 6,736 SH SOLE 0 0 6,736
ISHARES INC MSCI EURZONE ETF 464286608 997,494 14,815 SH SOLE 0 0 14,815
ISHARES INC MSCI CDA ETF 464286509 329,964 5,652 SH SOLE 0 0 5,652
ISHARES INC MSCI PAC JP ETF 464286665 277,516 5,043 SH SOLE 0 0 5,043
ISHARES INC CORE MSCI EMKT 46434G103 795,775 9,805 SH SOLE 0 0 9,805
ISHARES INC ESG AWR MSCI EM 46434G863 285,261 5,267 SH SOLE 0 0 5,267
ISHARES TR ESG AW MSCI EAFE 46435G516 271,434 2,634 SH SOLE 0 0 2,634
ISHARES TR INTL EQTY FACTOR 46434V274 434,900 10,477 SH SOLE 0 0 10,477
ISHARES TR BROAD USD HIGH 46435U853 330,874 9,263 SH SOLE 0 0 9,263
ISHARES TR ESG AWARE MSCI 46435U663 286,052 5,501 SH SOLE 0 0 5,501
ISHARES TR CORE MSCI EAFE 46432F842 531,387 5,485 SH SOLE 0 0 5,485
ISHARES TR 0-5YR HI YL CP 46434V407 409,406 9,925 SH SOLE 0 0 9,925
ISHARES TR CORE 40 MODE ETF 464289875 303,748 6,232 SH SOLE 0 0 6,232
ISHARES TR ISHS 5-10YR INVT 464288638 10,047,569 199,555 SH SOLE 0 0 199,555
ISHARES TR CRE U S REIT ETF 464288521 7,706,542 125,147 SH SOLE 0 0 125,147
ISHARES TR 3 7 YR TREAS BD 464288661 10,254,749 90,398 SH SOLE 0 0 90,398
ISHARES TR 7-10 YR TRSY BD 464287440 25,498,184 285,502 SH SOLE 0 0 285,502
ISHARES TR MSCI EMG MKT ETF 464287234 743,373 11,130 SH SOLE 0 0 11,130
ISHARES TR RUS MID CAP ETF 464287499 1,228,872 11,516 SH SOLE 0 0 11,516
ISHARES TR MSCI UK ETF NEW 46435G334 318,684 6,849 SH SOLE 0 0 6,849
ISHARES TR CORE S&P500 ETF 464287200 900,640 1,176 SH SOLE 0 0 1,176
ISHARES TR RUS 1000 VAL ETF 464287598 8,721,186 35,176 SH SOLE 0 0 35,176
ISHARES TR RUS 1000 GRW ETF 464287614 11,331,693 90,465 SH SOLE 0 0 90,465
ISHARES TR RUSSELL 2000 ETF 464287655 525,490 1,891 SH SOLE 0 0 1,891
ISHARES TR 0-3 MTH TREASURY 46436E718 216,261 2,148 SH SOLE 0 0 2,148
ISHARES TR ESG SELECT SCRE 46436E551 380,045 7,791 SH SOLE 0 0 7,791
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 15,255,794 339,848 SH SOLE 0 0 339,848
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 1,558,290 30,937 SH SOLE 0 0 30,937
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 9,723,298 192,655 SH SOLE 0 0 192,655
JPMORGAN CHASE & CO COM 46625H100 349,026 1,055 SH SOLE 0 0 1,055
META PLATFORMS INC CL A 30303M102 577,243 796 SH SOLE 0 0 796
MICRON TECHNOLOGY INC COM 595112103 432,435 406 SH SOLE 0 0 406
MICROSOFT CORP COM 594918104 1,267,376 2,471 SH SOLE 0 0 2,471
NIKE INC CL B 654106103 362,567 10,242 SH SOLE 0 0 10,242
NU HLDGS LTD ORD SHS CL A G6683N103 1,023,333 80,832 SH SOLE 0 0 80,832
NVIDIA CORPORATION COM 67066G104 1,183,922 5,184 SH SOLE 0 0 5,184
PHILIP MORRIS INTL INC COM 718172109 248,829 1,304 SH SOLE 0 0 1,304
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 9,228,045 283,678 SH SOLE 0 0 283,678
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 443,646 481 SH SOLE 0 0 481
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 13,597,766 262,708 SH SOLE 0 0 262,708
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 12,338,304 245,734 SH SOLE 0 0 245,734
SPDR SERIES TRUST ST STR SP600 SML 78468R853 18,791,485 355,495 SH SOLE 0 0 355,495
SPDR SERIES TRUST ST STR P400MID 78464A847 15,726,140 249,463 SH SOLE 0 0 249,463
SPDR SERIES TRUST ST INTER ETF 78464A672 9,846,661 360,948 SH SOLE 0 0 360,948
SPDR SERIES TRUST ST STR P500ETF 78464A854 500,412 5,575 SH SOLE 0 0 5,575
SPDR SERIES TRUST ST STR P500VAL 78464A508 26,505,664 433,595 SH SOLE 0 0 433,595
SPDR SERIES TRUST ST STR P500GRW 78464A409 24,794,343 201,449 SH SOLE 0 0 201,449
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 509,437 668 SH SOLE 0 0 668
TESLA INC COM 88160R101 754,326 2,126 SH SOLE 0 0 2,126
TEXAS INSTRS INC COM 882508104 388,205 1,386 SH SOLE 0 0 1,386
THERMO FISHER SCIENTIFIC INC COM 883556102 216,016 320 SH SOLE 0 0 320
VANECK ETF TRUST REAL ASSETS ETF 92189F130 7,329,756 184,026 SH SOLE 0 0 184,026
VANECK ETF TRUST DATA CENTR SUPLY 92189Y865 7,689,309 157,471 SH SOLE 0 0 157,471
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 239,132 3,130 SH SOLE 0 0 3,130
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 1,122,769 3,844 SH SOLE 0 0 3,844
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 430,626 2,202 SH SOLE 0 0 2,202
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 228,936 678 SH SOLE 0 0 678
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 9,547,645 44,186 SH SOLE 0 0 44,186
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 5,864,281 74,780 SH SOLE 0 0 74,780
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 2,369,802 8,330 SH SOLE 0 0 8,330
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 9,281,871 103,006 SH SOLE 0 0 103,006
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,477,279 92,350 SH SOLE 0 0 92,350
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,373,270 92,341 SH SOLE 0 0 92,341
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,280,105 29,116 SH SOLE 0 0 29,116
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 557,296 9,682 SH SOLE 0 0 9,682
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,001,469 56,670 SH SOLE 0 0 56,670
VANGUARD WORLD FD ESG US STK ETF 921910733 1,383,219 10,206 SH SOLE 0 0 10,206
WORLD GOLD TR SPDR GLD MINIS 98149E303 202,738 2,467 SH SOLE 0 0 2,467