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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADOBE SYSTEMS INCORPORATED COM 00724F101   307,252 913 SH   SOLE 0 0 0 913
ANALOG DEVICES INC COM 032654105   956,787 5,833 SH   SOLE 0 0 0 5,833
APPLE INC COM 037833100   902,105 6,943 SH   SOLE 0 0 0 6,943
AUTOMATIC DATA PROCESSING IN COM 053015103   203,278 851 SH   SOLE 0 0 0 851
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,166,098 3,775 SH   SOLE 0 0 0 3,775
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   1,440,923 33,968 SH   SOLE 0 0 0 33,968
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   957,382 16,142 SH   SOLE 0 0 0 16,142
CHEVRON CORP NEW COM 166764100   441,186 2,458 SH   SOLE 0 0 0 2,458
COSTCO WHSL CORP NEW COM 22160K105   211,263 463 SH   SOLE 0 0 0 463
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   263,442 6,331 SH   SOLE 0 0 0 6,331
EXXON MOBIL CORP COM 30231G102   521,498 4,728 SH   SOLE 0 0 0 4,728
GLOBAL X FDS S&P 500 QLT ETF 37954Y616   9,416,576 296,772 SH   SOLE 0 0 0 296,772
HOME DEPOT INC COM 437076102   657,530 2,082 SH   SOLE 0 0 0 2,082
INVESCO ACTIVELY MANAGED ETF BLNCD MLTI AST 46090A200   531,674 36,441 SH   SOLE 0 0 0 36,441
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   5,520,750 50,404 SH   SOLE 0 0 0 50,404
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,060,352 7,507 SH   SOLE 0 0 0 7,507
INVESCO QQQ TR UNIT SER 1 46090E103   391,432 1,470 SH   SOLE 0 0 0 1,470
ISHARES INC ESG AWR MSCI EM 46434G863   1,012,096 33,658 SH   SOLE 0 0 0 33,658
ISHARES INC MSCI EMERG MRKT 464286533   10,270,003 193,591 SH   SOLE 0 0 0 193,591
ISHARES TR ESG ADV TTL USD 46436E619   6,643,462 157,428 SH   SOLE 0 0 0 157,428
ISHARES TR US TREAS BD ETF 46429B267   8,233,670 362,397 SH   SOLE 0 0 0 362,397
ISHARES TR CORE MSCI TOTAL 46432F834   552,986 9,554 SH   SOLE 0 0 0 9,554
ISHARES TR CORE S&P SCP ETF 464287804   3,167,040 33,464 SH   SOLE 0 0 0 33,464
ISHARES TR MSCI KLD400 SOC 464288570   4,890,622 68,124 SH   SOLE 0 0 0 68,124
ISHARES TR CORE TOTAL USD 46434V613   34,929,378 777,418 SH   SOLE 0 0 0 777,418
ISHARES TR U.S. ENERGY ETF 464287796   257,936 5,548 SH   SOLE 0 0 0 5,548
ISHARES TR U.S. TECH ETF 464287721   5,341,007 71,701 SH   SOLE 0 0 0 71,701
ISHARES TR MSCI USA VALUE 46432F388   2,552,994 28,012 SH   SOLE 0 0 0 28,012
ISHARES TR ESG AWRE 1 5 YR 46435G243   310,151 13,048 SH   SOLE 0 0 0 13,048
ISHARES TR NATIONAL MUN ETF 464288414   5,239,701 49,656 SH   SOLE 0 0 0 49,656
ISHARES TR ESG MSCI USA ETF 46436E767   4,018,668 131,072 SH   SOLE 0 0 0 131,072
ISHARES TR TIPS BD ETF 464287176   930,194 8,739 SH   SOLE 0 0 0 8,739
ISHARES TR MSCI GBL SUS DEV 46435G532   569,257 7,214 SH   SOLE 0 0 0 7,214
ISHARES TR 0-5 YR TIPS ETF 46429B747   212,924 2,196 SH   SOLE 0 0 0 2,196
ISHARES TR MSCI USA MIN VOL 46429B697   4,394,314 60,947 SH   SOLE 0 0 0 60,947
ISHARES TR 7-10 YR TRSY BD 464287440   3,327,110 34,737 SH   SOLE 0 0 0 34,737
ISHARES TR 10-20 YR TRS ETF 464288653   4,540,423 41,971 SH   SOLE 0 0 0 41,971
ISHARES TR MSCI USA QLT FCT 46432F339   436,353 3,829 SH   SOLE 0 0 0 3,829
ISHARES TR U.S. MED DVC ETF 464288810   1,369,869 26,058 SH   SOLE 0 0 0 26,058
ISHARES TR ESG AW MSCI EAFE 46435G516   900,112 13,692 SH   SOLE 0 0 0 13,692
ISHARES TR RUS 1000 VAL ETF 464287598   1,101,586 7,264 SH   SOLE 0 0 0 7,264
ISHARES TR CONV BD ETF 46435G102   1,758,345 25,311 SH   SOLE 0 0 0 25,311
ISHARES TR CORE S&P TTL STK 464287150   10,533,093 124,211 SH   SOLE 0 0 0 124,211
ISHARES TR ESG EAFE ETF 46436E759   1,069,662 19,710 SH   SOLE 0 0 0 19,710
ISHARES TR ESG AWR MSCI USA 46435G425   52,048,057 614,136 SH   SOLE 0 0 0 614,136
ISHARES TR ESG AWARE MSCI 46435U663   1,065,246 32,398 SH   SOLE 0 0 0 32,398
ISHARES TR RUS 1000 ETF 464287622   1,157,439 5,498 SH   SOLE 0 0 0 5,498
ISHARES TR CORE S&P MCP ETF 464287507   713,922 2,951 SH   SOLE 0 0 0 2,951
ISHARES TR RUS 1000 GRW ETF 464287614   2,448,120 11,427 SH   SOLE 0 0 0 11,427
ISHARES TR FALN ANGLS USD 46435G474   1,347,211 54,742 SH   SOLE 0 0 0 54,742
ISHARES TR ESG AWRE USD ETF 46435G193   1,446,528 64,874 SH   SOLE 0 0 0 64,874
ISHARES TR MBS ETF 464288588   11,892,559 128,222 SH   SOLE 0 0 0 128,222
ISHARES TR RUSSELL 2000 ETF 464287655   982,867 5,637 SH   SOLE 0 0 0 5,637
ISHARES TR 0-5YR HI YL CP 46434V407   5,916,660 144,697 SH   SOLE 0 0 0 144,697
ISHARES TR RUS MD CP GR ETF 464287481   454,981 5,442 SH   SOLE 0 0 0 5,442
ISHARES TR EAFE VALUE ETF 464288877   19,129,603 416,949 SH   SOLE 0 0 0 416,949
ISHARES TR ISHS 1-5YR INVS 464288646   310,528 6,233 SH   SOLE 0 0 0 6,233
ISHARES TR CORE S&P500 ETF 464287200   74,972,649 195,135 SH   SOLE 0 0 0 195,135
ISHARES TR GLOBAL TECH ETF 464287291   1,483,194 33,085 SH   SOLE 0 0 0 33,085
ISHARES TR US INFRASTRUC 46435U713   1,701,428 46,923 SH   SOLE 0 0 0 46,923
ISHARES TR EAFE GRWTH ETF 464288885   11,942,079 142,575 SH   SOLE 0 0 0 142,575
ISHARES TR CORE HIGH DV ETF 46429B663   6,174,135 59,230 SH   SOLE 0 0 0 59,230
ISHARES TR MSCI USA MMENTM 46432F396   4,076,700 27,936 SH   SOLE 0 0 0 27,936
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   1,680,361 59,608 SH   SOLE 0 0 0 59,608
JOHNSON & JOHNSON COM 478160104   422,017 2,389 SH   SOLE 0 0 0 2,389
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   2,429,230 83,450 SH   SOLE 0 0 0 83,450
LOWES COS INC COM 548661107   206,213 1,035 SH   SOLE 0 0 0 1,035
MICROSOFT CORP COM 594918104   1,611,895 6,721 SH   SOLE 0 0 0 6,721
PACER FDS TR GLOBL CASH ETF 69374H709   18,308,997 576,843 SH   SOLE 0 0 0 576,843
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   337,046 3,776 SH   SOLE 0 0 0 3,776
PROCTER AND GAMBLE CO COM 742718109   265,685 1,753 SH   SOLE 0 0 0 1,753
QUANTA SVCS INC COM 74762E102   478,515 3,358 SH   SOLE 0 0 0 3,358
READY CAPITAL CORP COM 75574U101   180,669 16,218 SH   SOLE 0 0 0 16,218
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   932,508 23,019 SH   SOLE 0 0 0 23,019
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,164,388 25,985 SH   SOLE 0 0 0 25,985
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   268,133 4,826 SH   SOLE 0 0 0 4,826
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   35,799,016 473,908 SH   SOLE 0 0 0 473,908
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,617,994 102,281 SH   SOLE 0 0 0 102,281
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   1,707,238 76,148 SH   SOLE 0 0 0 76,148
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,678,238 25,579 SH   SOLE 0 0 0 25,579
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,077,526 8,659 SH   SOLE 0 0 0 8,659
SELECT SECTOR SPDR TR ENERGY 81369Y506   217,799 2,490 SH   SOLE 0 0 0 2,490
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,731,583 4,528 SH   SOLE 0 0 0 4,528
SPDR SER TR NUVEEN BLMBRG SH 78468R739   4,025,293 85,681 SH   SOLE 0 0 0 85,681
SPDR SER TR PORTFOLIO AGRGTE 78464A649   670,142 26,667 SH   SOLE 0 0 0 26,667
SPDR SER TR PORTFOLIO SHORT 78464A474   1,766,619 60,130 SH   SOLE 0 0 0 60,130
SPDR SER TR S&P 600 SML CAP 78464A813   424,697 5,166 SH   SOLE 0 0 0 5,166
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,655,504 93,996 SH   SOLE 0 0 0 93,996
THERMO FISHER SCIENTIFIC INC COM 883556102   323,255 587 SH   SOLE 0 0 0 587
UNITEDHEALTH GROUP INC COM 91324P102   343,557 648 SH   SOLE 0 0 0 648
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,086,550 3,093 SH   SOLE 0 0 0 3,093
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,208,703 6,322 SH   SOLE 0 0 0 6,322
VANGUARD WORLD FD MEGA GRWTH IND 921910816   4,022,652 23,378 SH   SOLE 0 0 0 23,378
XCEL ENERGY INC COM 98389B100   223,600 3,189 SH   SOLE 0 0 0 3,189