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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   299,251 11,763 SH   SOLE   0 0 11,763
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   481,735 10,632 SH   SOLE   0 0 10,632
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396   2,861,775 38,132 SH   SOLE   0 0 38,132
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   460,879 14,920 SH   SOLE   0 0 14,920
INVESCO QQQ TR UNIT SER 1 46090E103   647,839 1,459 SH   SOLE   0 0 1,459
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   3,570,649 168,825 SH   SOLE   0 0 168,825
ISHARES TR CORE S&P TTL STK 464287150   2,021,144 17,529 SH   SOLE   0 0 17,529
ISHARES TR TIPS BD ETF 464287176   3,314,351 30,857 SH   SOLE   0 0 30,857
ISHARES TR CORE S&P500 ETF 464287200   2,948,232 5,608 SH   SOLE   0 0 5,608
ISHARES TR CORE US AGGBD ET 464287226   1,175,574 12,003 SH   SOLE   0 0 12,003
ISHARES TR S&P 500 GRWT ETF 464287309   469,619 5,562 SH   SOLE   0 0 5,562
ISHARES TR S&P 500 VAL ETF 464287408   233,785 1,251 SH   SOLE   0 0 1,251
ISHARES TR MSCI EAFE ETF 464287465   469,897 5,884 SH   SOLE   0 0 5,884
ISHARES TR RUS MDCP VAL ETF 464287473   3,296,754 26,305 SH   SOLE   0 0 26,305
ISHARES TR RUS MD CP GR ETF 464287481   1,928,159 16,893 SH   SOLE   0 0 16,893
ISHARES TR CORE S&P MCP ETF 464287507   69,956,958 1,151,744 SH   SOLE   0 0 1,151,744
ISHARES TR RUS 1000 VAL ETF 464287598   4,192,124 23,405 SH   SOLE   0 0 23,405
ISHARES TR S&P MC 400GR ETF 464287606   275,119 3,015 SH   SOLE   0 0 3,015
ISHARES TR RUS 1000 GRW ETF 464287614   10,433,365 30,955 SH   SOLE   0 0 30,955
ISHARES TR RUS 1000 ETF 464287622   2,229,641 7,741 SH   SOLE   0 0 7,741
ISHARES TR RUS 2000 VAL ETF 464287630   509,145 3,206 SH   SOLE   0 0 3,206
ISHARES TR RUS 2000 GRW ETF 464287648   321,191 1,186 SH   SOLE   0 0 1,186
ISHARES TR RUSSELL 2000 ETF 464287655   484,321 2,303 SH   SOLE   0 0 2,303
ISHARES TR S&P MC 400VL ETF 464287705   367,095 3,103 SH   SOLE   0 0 3,103
ISHARES TR U.S. REAL ES ETF 464287739   295,232 3,284 SH   SOLE   0 0 3,284
ISHARES TR CORE S&P SCP ETF 464287804   48,937,373 442,792 SH   SOLE   0 0 442,792
ISHARES TR SP SMCP600VL ETF 464287879   454,919 4,427 SH   SOLE   0 0 4,427
ISHARES TR GL CLEAN ENE ETF 464288224   327,216 23,406 SH   SOLE   0 0 23,406
ISHARES TR MSCI ACWI EX US 464288240   3,797,410 71,126 SH   SOLE   0 0 71,126
ISHARES TR JPMORGAN USD EMG 464288281   1,337,538 14,916 SH   SOLE   0 0 14,916
ISHARES TR MRGSTR MD CP GRW 464288307   232,962 3,296 SH   SOLE   0 0 3,296
ISHARES TR GLB INFRASTR ETF 464288372   3,700,360 77,706 SH   SOLE   0 0 77,706
ISHARES TR MRGSTR MD CP VAL 464288406   559,434 7,711 SH   SOLE   0 0 7,711
ISHARES TR MSCI KLD400 SOC 464288570   1,733,768 17,198 SH   SOLE   0 0 17,198
ISHARES TR ISHS 1-5YR INVS 464288646   3,671,905 71,605 SH   SOLE   0 0 71,605
ISHARES TR MRNING SM CP ETF 464288703   208,876 3,413 SH   SOLE   0 0 3,413
ISHARES TR US REGNL BKS ETF 464288778   420,856 9,702 SH   SOLE   0 0 9,702
ISHARES TR MSCI USA ESG SLC 464288802   473,772 4,340 SH   SOLE   0 0 4,340
ISHARES TR EAFE VALUE ETF 464288877   1,339,927 24,631 SH   SOLE   0 0 24,631
ISHARES TR EAFE GRWTH ETF 464288885   730,163 7,035 SH   SOLE   0 0 7,035
ISHARES TR GRWT ALLOCAT ETF 464289867   854,424 15,348 SH   SOLE   0 0 15,348
ISHARES TR CORE HIGH DV ETF 46429B663   884,028 8,021 SH   SOLE   0 0 8,021
ISHARES TR MSCI USA MIN VOL 46429B697   384,301 4,598 SH   SOLE   0 0 4,598
ISHARES TR CORE MSCI TOTAL 46432F834   1,313,620 19,358 SH   SOLE   0 0 19,358
ISHARES INC CORE MSCI EMKT 46434G103   514,057 9,962 SH   SOLE   0 0 9,962
ISHARES INC MSCI EMRG CHN 46434G764   382,668 6,647 SH   SOLE   0 0 6,647
ISHARES INC ESG AWR MSCI EM 46434G863   405,449 12,580 SH   SOLE   0 0 12,580
ISHARES TR ESG AWR MSCI USA 46435G425   275,904 2,400 SH   SOLE   0 0 2,400
ISHARES TR ESG AW MSCI EAFE 46435G516   454,521 5,688 SH   SOLE   0 0 5,688
ISHARES TR ESG AWR US AGRGT 46435U549   241,654 5,135 SH   SOLE   0 0 5,135
ISHARES TR ESG AWARE MSCI 46435U663   1,633,735 40,570 SH   SOLE   0 0 40,570
ISHARES TR ESG SCRD S&P MID 46436E551   956,498 23,284 SH   SOLE   0 0 23,284
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   457,929 9,025 SH   SOLE   0 0 9,025
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,661,571 32,935 SH   SOLE   0 0 32,935
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   200,385 4,208 SH   SOLE   0 0 4,208
JOHNSON & JOHNSON COM 478160104   291,070 1,840 SH   SOLE   0 0 1,840
MICROSOFT CORP COM 594918104   242,755 577 SH   SOLE   0 0 577
NVIDIA CORPORATION COM 67066G104   251,190 278 SH   SOLE   0 0 278
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   684,232 8,970 SH   SOLE   0 0 8,970
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   759,286 19,539 SH   SOLE   0 0 19,539
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   290,216 6,978 SH   SOLE   0 0 6,978
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,543,437 6,774 SH   SOLE   0 0 6,774
SPDR GOLD TR GOLD SHS 78463V107   332,033 1,614 SH   SOLE   0 0 1,614
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   731,897 25,771 SH   SOLE   0 0 25,771
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855   456,756 8,435 SH   SOLE   0 0 8,435
SPDR SER TR S&P 600 SMCP GRW 78464A201   2,185,032 25,049 SH   SOLE   0 0 25,049
SPDR SER TR S&P 600 SMCP VAL 78464A300   13,441,092 161,999 SH   SOLE   0 0 161,999
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,804,372 20,671 SH   SOLE   0 0 20,671
SPDR SER TR S&P 400 MDCP VAL 78464A839   6,151,896 80,946 SH   SOLE   0 0 80,946
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   298,320 750 SH   SOLE   0 0 750
SPDR SER TR NUVEEN BLMBRG MU 78468R721   7,764,385 167,048 SH   SOLE   0 0 167,048
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   336,583 5,513 SH   SOLE   0 0 5,513
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   507,030,652 8,170,007 SH   SOLE   0 0 8,170,007
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   12,984,202 140,037 SH   SOLE   0 0 140,037
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   21,231,498 279,435 SH   SOLE   0 0 279,435
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   21,601,406 265,276 SH   SOLE   0 0 265,276
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   16,354,637 332,141 SH   SOLE   0 0 332,141
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   255,579 10,122 SH   SOLE   0 0 10,122
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   767,505 11,389 SH   SOLE   0 0 11,389
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   882,969 10,951 SH   SOLE   0 0 10,951
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   248,987 6,381 SH   SOLE   0 0 6,381
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   645,013 14,022 SH   SOLE   0 0 14,022
SCHWAB STRATEGIC TR US TIPS ETF 808524870   13,001,172 249,256 SH   SOLE   0 0 249,256
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   511,491 2,801 SH   SOLE   0 0 2,801
VANGUARD STAR FDS VG TL INTL STK F 921909768   448,489 7,438 SH   SOLE   0 0 7,438
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   761,130 10,480 SH   SOLE   0 0 10,480
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   319,250 5,000 SH   SOLE   0 0 5,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   29,309,005 499,727 SH   SOLE   0 0 499,727
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   9,978,797 238,899 SH   SOLE   0 0 238,899
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   395,743 5,768 SH   SOLE   0 0 5,768
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   28,257,459 58,784 SH   SOLE   0 0 58,784
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   16,747,158 107,416 SH   SOLE   0 0 107,416
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   8,236,055 34,930 SH   SOLE   0 0 34,930
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   9,629,222 111,346 SH   SOLE   0 0 111,346
VANGUARD INDEX FDS SML CP GRW ETF 922908595   15,953,742 61,191 SH   SOLE   0 0 61,191
VANGUARD INDEX FDS SM CP VAL ETF 922908611   8,048,291 41,944 SH   SOLE   0 0 41,944
VANGUARD INDEX FDS MID CAP ETF 922908629   7,741,343 30,983 SH   SOLE   0 0 30,983
VANGUARD INDEX FDS LARGE CAP ETF 922908637   26,923,339 112,293 SH   SOLE   0 0 112,293
VANGUARD INDEX FDS GROWTH ETF 922908736   56,607,970 164,462 SH   SOLE   0 0 164,462
VANGUARD INDEX FDS VALUE ETF 922908744   56,401,231 346,317 SH   SOLE   0 0 346,317
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,308,855 18,850 SH   SOLE   0 0 18,850
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,336,406 16,685 SH   SOLE   0 0 16,685