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
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
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 961 9,447 SH   SOLE 0 0 0 9,447
ISHARES INC ESG MSCI EM ETF 46434G863 5,609 174,835 SH   SOLE 0 0 0 174,835
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,652 5,356 SH   SOLE 0 0 0 5,356
ABBOTT LABS COM 002824100 218 2,385 SH   SOLE 0 0 0 2,385
ISHARES TR SELECT DIVID ETF 464287168 417 5,160 SH   SOLE 0 0 0 5,160
ISHARES TR SH TR CRPORT ETF 464288646 6,765 123,655 SH   SOLE 0 0 0 123,655
READY CAPITAL CORP COM 75574U101 141 16,218 SH   SOLE 0 0 0 16,218
ISHARES TR COHEN STEER REIT 464287564 3,049 30,226 SH   SOLE 0 0 0 30,226
ADOBE INC COM 00724F101 348 800 SH   SOLE 0 0 0 800
AMAZON COM INC COM 023135106 226 82 SH   SOLE 0 0 0 82
APPLE INC COM 037833100 692 1,897 SH   SOLE 0 0 0 1,897
ISHARES TR U.S. MED DVC ETF 464288810 3,607 13,623 SH   SOLE 0 0 0 13,623
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,012 61,400 SH   SOLE 0 0 0 61,400
ISHARES TR MSCI MIN VOL ETF 46429B697 12,502 206,196 SH   SOLE 0 0 0 206,196
ISHARES TR CORE S&P SCP ETF 464287804 4,191 61,372 SH   SOLE 0 0 0 61,372
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,192 16,227 SH   SOLE 0 0 0 16,227
ISHARES TR US TREAS BD ETF 46429B267 12,451 444,835 SH   SOLE 0 0 0 444,835
EXXON MOBIL CORP COM 30231G102 243 5,431 SH   SOLE 0 0 0 5,431
CISCO SYS INC COM 17275R102 213 4,568 SH   SOLE 0 0 0 4,568
ANALOG DEVICES INC COM 032654105 799 6,513 SH   SOLE 0 0 0 6,513
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 758 4,245 SH   SOLE 0 0 0 4,245
ISHARES INC CORE MSCI EMKT 46434G103 724 15,219 SH   SOLE 0 0 0 15,219
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 5,772 164,542 SH   SOLE 0 0 0 164,542
ISHARES TR ESG MSCI USA ETF 46435G425 30,697 438,588 SH   SOLE 0 0 0 438,588
ISHARES TR IBOXX INV CP ETF 464287242 14,306 106,368 SH   SOLE 0 0 0 106,368
ISHARES TR RUS 1000 VAL ETF 464287598 1,354 12,025 SH   SOLE 0 0 0 12,025
ISHARES TR U.S. FIN SVC ETF 464287770 1,828 15,308 SH   SOLE 0 0 0 15,308
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 726 7,148 SH   SOLE 0 0 0 7,148
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 908 30,524 SH   SOLE 0 0 0 30,524
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,081 12,240 SH   SOLE 0 0 0 12,240
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 905 8,659 SH   SOLE 0 0 0 8,659
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,715 71,797 SH   SOLE 0 0 0 71,797
HOME DEPOT INC COM 437076102 498 1,990 SH   SOLE 0 0 0 1,990
VANGUARD INDEX FDS TOTAL STK MKT 922908769 485 3,100 SH   SOLE 0 0 0 3,100
ISHARES TR CORE US AGGBD ET 464287226 9,077 76,787 SH   SOLE 0 0 0 76,787
INVESCO QQQ TR UNIT SER 1 46090E103 398 1,607 SH   SOLE 0 0 0 1,607
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 298 3,789 SH   SOLE 0 0 0 3,789
WELLS FARGO CO NEW COM 949746101 292 11,387 SH   SOLE 0 0 0 11,387
VANGUARD WORLD FD MEGA GRWTH IND 921910816 18,068 110,499 SH   SOLE 0 0 0 110,499
ISHARES TR RUS 1000 ETF 464287622 1,340 7,806 SH   SOLE 0 0 0 7,806
ISHARES TR RUSSELL 2000 ETF 464287655 769 5,371 SH   SOLE 0 0 0 5,371
ISHARES TR MSCI ACWI ETF 464288257 576 7,808 SH   SOLE 0 0 0 7,808
ISHARES TR CORE MSCI EAFE 46432F842 4,038 70,649 SH   SOLE 0 0 0 70,649
ISHARES TR EDGE MSCI USA VL 46432F388 4,208 58,214 SH   SOLE 0 0 0 58,214
MICROSOFT CORP COM 594918104 1,539 7,563 SH   SOLE 0 0 0 7,563
ISHARES TR CORE S&P MCP ETF 464287507 573 3,225 SH   SOLE 0 0 0 3,225
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,844 119,351 SH   SOLE 0 0 0 119,351
ISHARES TR RUS 1000 GRW ETF 464287614 2,447 12,747 SH   SOLE 0 0 0 12,747
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 1,351 27,019 SH   SOLE 0 0 0 27,019
ISHARES TR MIN VOL EAFE ETF 46429B689 549 8,313 SH   SOLE 0 0 0 8,313
ISHARES TR RUS MD CP GR ETF 464287481 597 3,775 SH   SOLE 0 0 0 3,775
ISHARES TR 20 YR TR BD ETF 464287432 1,068 6,518 SH   SOLE 0 0 0 6,518
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 651 15,735 SH   SOLE 0 0 0 15,735
ISHARES TR USA QUALITY FCTR 46432F339 632 6,591 SH   SOLE 0 0 0 6,591
ISHARES TR EAFE GRWTH ETF 464288885 8,445 101,609 SH   SOLE 0 0 0 101,609
APPLIED INDL TECHNOLOGIES IN COM 03820C105 261 4,183 SH   SOLE 0 0 0 4,183
ISHARES TR GLOBAL TECH ETF 464287291 8,175 34,707 SH   SOLE 0 0 0 34,707
ISHARES TR CORE S&P500 ETF 464287200 19,499 62,963 SH   SOLE 0 0 0 62,963
SPDR SER TR PRTFLO S&P500 VL 78464A508 225 7,768 SH   SOLE 0 0 0 7,768
JOHNSON & JOHNSON COM 478160104 574 4,084 SH   SOLE 0 0 0 4,084
ISHARES INC MIN VOL GBL ETF 464286525 1,935 22,091 SH   SOLE 0 0 0 22,091
ISHARES TR 0-5YR HI YL CP 46434V407 4,209 98,144 SH   SOLE 0 0 0 98,144
THERMO FISHER SCIENTIFIC INC COM 883556102 226 623 SH   SOLE 0 0 0 623
DELL TECHNOLOGIES INC CL C 24703L202 227 4,129 SH   SOLE 0 0 0 4,129
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,342 44,506 SH   SOLE 0 0 0 44,506