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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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 473,300 1,376 SH SOLE 0 0 0 1,376
ALPHABET INC CAP STK CL C 02079K107 1,696,995 4,980 SH SOLE 0 0 0 4,980
AMAZON COM INC COM 023135106 2,093,109 8,401 SH SOLE 0 0 0 8,401
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 10,288,312 114,175 SH SOLE 0 0 0 114,175
APPLE INC COM 037833100 4,841,306 14,538 SH SOLE 0 0 0 14,538
BALL CORP COM 058498106 257,539 4,596 SH SOLE 0 0 0 4,596
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,270,652 4,560 SH SOLE 0 0 0 4,560
BROADCOM INC COM 11135F101 1,496,083 4,260 SH SOLE 0 0 0 4,260
CUMMINS INC COM 231021106 705,741 1,366 SH SOLE 0 0 0 1,366
ELI LILLY & CO COM 532457108 2,146,159 1,855 SH SOLE 0 0 0 1,855
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,585,359 9,741 SH SOLE 0 0 0 9,741
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101 52,526 10,179 SH SOLE 0 0 0 10,179
INTERNATIONAL BUSINESS MACHS COM 459200101 220,546 1,003 SH SOLE 0 0 0 1,003
INVESCO QQQ TR UNIT SER 1 46090E103 31,469,942 42,540 SH SOLE 0 0 0 42,540
ISHARES TR RUS 1000 ETF 464287622 716,994 1,723 SH SOLE 0 0 0 1,723
ISHARES TR RUS 1000 VAL ETF 464287598 273,257 1,102 SH SOLE 0 0 0 1,102
ISHARES TR RUS 1000 GRW ETF 464287614 1,050,547 8,387 SH SOLE 0 0 0 8,387
ISHARES TR RUSSELL 2000 ETF 464287655 468,937 1,687 SH SOLE 0 0 0 1,687
ISHARES TR RUSSELL 3000 ETF 464287689 1,870,874 4,334 SH SOLE 0 0 0 4,334
ISHARES TR RUS MD CP GR ETF 464287481 396,592 2,881 SH SOLE 0 0 0 2,881
ISHARES TR RUS MDCP VAL ETF 464287473 374,839 2,332 SH SOLE 0 0 0 2,332
ISHARES TR 0-5YR HI YL CP 46434V407 15,628,991 378,885 SH SOLE 0 0 0 378,885
ISHARES TR LOW CA OP MS ETF 46434V464 330,573 1,291 SH SOLE 0 0 0 1,291
ISHARES TR MSCI GBL SUS DEV 46435G532 483,949 5,539 SH SOLE 0 0 0 5,539
ISHARES TR ESG AWR MSCI USA 46435G425 1,526,069 9,149 SH SOLE 0 0 0 9,149
ISHARES TR ESG AWR US AGRGT 46435U549 1,044,528 23,084 SH SOLE 0 0 0 23,084
ISHARES TR USD GRN BOND ETF 46435U440 362,301 7,942 SH SOLE 0 0 0 7,942
ISHARES TR MSCI USA MIN ETF 46429B697 14,110,789 144,815 SH SOLE 0 0 0 144,815
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 227,482 5,080 SH SOLE 0 0 0 5,080
JPMORGAN CHASE & CO COM 46625H100 2,074,969 6,272 SH SOLE 0 0 0 6,272
MICROSOFT CORP COM 594918104 2,095,721 4,086 SH SOLE 0 0 0 4,086
NVIDIA CORPORATION COM 67066G104 1,811,140 7,930 SH SOLE 0 0 0 7,930
ORACLE CORP COM 68389X105 471,175 3,432 SH SOLE 0 0 0 3,432
PNC FINL SVCS GROUP INC COM 693475105 256,045 1,152 SH SOLE 0 0 0 1,152
PROCTER & GAMBLE CO COM 742718109 459,291 3,161 SH SOLE 0 0 0 3,161
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 287,509 9,809 SH SOLE 0 0 0 9,809
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 30,857,223 1,396,254 SH SOLE 0 0 0 1,396,254
SPDR SERIES TRUST ST STR MSCI GEN 78468R747 344,849 2,190 SH SOLE 0 0 0 2,190
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 222,555 2,429 SH SOLE 0 0 0 2,429
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 277,157 363 SH SOLE 0 0 0 363
T ROWE PRICE EXCHANGE-TRADED PRICE DIV GRWT 87283Q404 205,406 4,256 SH SOLE 0 0 0 4,256
THERMO FISHER SCIENTIFIC INC COM 883556102 272,379 403 SH SOLE 0 0 0 403
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 35,409,222 50,523 SH SOLE 0 0 0 50,523
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,355,162 3,621 SH SOLE 0 0 0 3,621
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 1,559,285 17,304 SH SOLE 0 0 0 17,304
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 33,205,629 142,324 SH SOLE 0 0 0 142,324
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 10,656,658 150,923 SH SOLE 0 0 0 150,923
VANGUARD WORLD FD ESG INTL STK ETF 921910725 514,920 6,352 SH SOLE 0 0 0 6,352
VISA INC COM CL A 92826C839 1,833,997 5,104 SH SOLE 0 0 0 5,104
WATERS CORP COM 941848103 380,951 867 SH SOLE 0 0 0 867
WEC ENERGY GROUP INC COM 92939U106 210,301 2,087 SH SOLE 0 0 0 2,087