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 1,170 7,765 SH   SOLE 0 0 0 7,765
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 6,613 191,694 SH   SOLE 0 0 0 191,694
ISHARES TR ESG MSCI USA ETF 46436E767 753 20,746 SH   SOLE 0 0 0 20,746
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,085 4,871 SH   SOLE 0 0 0 4,871
ABBOTT LABS COM 002824100 276 2,385 SH   SOLE 0 0 0 2,385
READY CAPITAL CORP COM 75574U101 257 16,218 SH   SOLE 0 0 0 16,218
ISHARES TR COHEN STEER REIT 464287564 294 4,505 SH   SOLE 0 0 0 4,505
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 386 8,201 SH   SOLE 0 0 0 8,201
AMAZON COM INC COM 023135106 282 82 SH   SOLE 0 0 0 82
XCEL ENERGY INC COM 98389B100 204 3,093 SH   SOLE 0 0 0 3,093
LOWES COS INC COM 548661107 201 1,035 SH   SOLE 0 0 0 1,035
APPLE INC COM 037833100 1,104 8,062 SH   SOLE 0 0 0 8,062
ISHARES TR MSCI USA MIN VOL 46429B697 394 5,353 SH   SOLE 0 0 0 5,353
ISHARES TR MSCI USA QLT FCT 46432F339 911 6,860 SH   SOLE 0 0 0 6,860
ISHARES TR U.S. MED DVC ETF 464288810 1,654 4,580 SH   SOLE 0 0 0 4,580
ISHARES TR ESG AW MSCI EAFE 46435G516 675 8,542 SH   SOLE 0 0 0 8,542
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,109 49,035 SH   SOLE 0 0 0 49,035
ISHARES TR U.S. ENERGY ETF 464287796 5,101 175,343 SH   SOLE 0 0 0 175,343
ISHARES TR MSCI USA VALUE 46432F388 13,340 126,979 SH   SOLE 0 0 0 126,979
ISHARES TR ESG AWRE 1 5 YR 46435G243 1,321 50,747 SH   SOLE 0 0 0 50,747
ISHARES TR MSCI KLD400 SOC 464288570 325 3,920 SH   SOLE 0 0 0 3,920
ISHARES TR CORE TOTAL USD 46434V613 23,805 445,031 SH   SOLE 0 0 0 445,031
ISHARES INC ESG AWR MSCI EM 46434G863 15,069 333,744 SH   SOLE 0 0 0 333,744
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,473 14,131 SH   SOLE 0 0 0 14,131
ISHARES TR US TREAS BD ETF 46429B267 22,707 853,632 SH   SOLE 0 0 0 853,632
CISCO SYS INC COM 17275R102 201 3,801 SH   SOLE 0 0 0 3,801
ISHARES TR CORE S&P SCP ETF 464287804 8,897 78,751 SH   SOLE 0 0 0 78,751
ISHARES TR ESG ADV TTL USD 46436E619 1,880 37,822 SH   SOLE 0 0 0 37,822
EXXON MOBIL CORP COM 30231G102 304 4,825 SH   SOLE 0 0 0 4,825
ANALOG DEVICES INC COM 032654105 1,121 6,513 SH   SOLE 0 0 0 6,513
CHEVRON CORP NEW COM 166764100 200 1,914 SH   SOLE 0 0 0 1,914
QUANTA SVCS INC COM 74762E102 384 4,241 SH   SOLE 0 0 0 4,241
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,009 3,631 SH   SOLE 0 0 0 3,631
ISHARES TR IBOXX INV CP ETF 464287242 640 4,763 SH   SOLE 0 0 0 4,763
ISHARES TR RUS 1000 VAL ETF 464287598 1,376 8,677 SH   SOLE 0 0 0 8,677
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 647 16,392 SH   SOLE 0 0 0 16,392
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 571 3,915 SH   SOLE 0 0 0 3,915
ISHARES TR ESG EAFE ETF 46436E759 499 7,369 SH   SOLE 0 0 0 7,369
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 12,257 162,089 SH   SOLE 0 0 0 162,089
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,279 8,659 SH   SOLE 0 0 0 8,659
HOME DEPOT INC COM 437076102 624 1,957 SH   SOLE 0 0 0 1,957
VANGUARD INDEX FDS TOTAL STK MKT 922908769 691 3,100 SH   SOLE 0 0 0 3,100
ISHARES TR CORE US AGGBD ET 464287226 6,825 59,179 SH   SOLE 0 0 0 59,179
ISHARES TR ESG AWR MSCI USA 46435G425 61,315 622,681 SH   SOLE 0 0 0 622,681
INVESCO QQQ TR UNIT SER 1 46090E103 570 1,607 SH   SOLE 0 0 0 1,607
WELLS FARGO CO NEW COM 949746101 630 13,902 SH   SOLE 0 0 0 13,902
WISDOMTREE TR INTL QULTY DIV 97717X131 3,569 89,661 SH   SOLE 0 0 0 89,661
UNITEDHEALTH GROUP INC COM 91324P102 238 595 SH   SOLE 0 0 0 595
VANGUARD WORLD FD MEGA GRWTH IND 921910816 14,398 62,228 SH   SOLE 0 0 0 62,228
ISHARES TR ESG AWARE MSCI 46435U663 762 18,875 SH   SOLE 0 0 0 18,875
ISHARES TR RUS 1000 ETF 464287622 1,752 7,238 SH   SOLE 0 0 0 7,238
MICROSOFT CORP COM 594918104 2,294 8,468 SH   SOLE 0 0 0 8,468
ISHARES TR CORE S&P MCP ETF 464287507 1,283 4,775 SH   SOLE 0 0 0 4,775
ISHARES TR RUS 1000 GRW ETF 464287614 3,352 12,347 SH   SOLE 0 0 0 12,347
ISHARES TR GLOBAL FINLS ETF 464287333 7,626 98,257 SH   SOLE 0 0 0 98,257
ISHARES TR RUSSELL 2000 ETF 464287655 2,015 8,785 SH   SOLE 0 0 0 8,785
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,480 81,566 SH   SOLE 0 0 0 81,566
ADOBE SYSTEMS INCORPORATED COM 00724F101 469 800 SH   SOLE 0 0 0 800
ALPHABET INC CAP STK CL A 02079K305 205 84 SH   SOLE 0 0 0 84
ISHARES TR FALN ANGLS USD 46435G474 3,750 125,160 SH   SOLE 0 0 0 125,160
GLOBAL X FDS THMATC GWT ETF 37954Y418 13,079 253,363 SH   SOLE 0 0 0 253,363
ISHARES TR MSCI GLOBAL IMP 46435G532 949 9,550 SH   SOLE 0 0 0 9,550
ISHARES TR MBS ETF 464288588 1,730 15,989 SH   SOLE 0 0 0 15,989
ALPHABET INC CAP STK CL C 02079K107 211 84 SH   SOLE 0 0 0 84
ISHARES TR RUS MD CP GR ETF 464287481 834 7,368 SH   SOLE 0 0 0 7,368
ISHARES TR EAFE VALUE ETF 464288877 19,781 382,163 SH   SOLE 0 0 0 382,163
ISHARES TR ISHS 1-5YR INVS 464288646 16,019 292,258 SH   SOLE 0 0 0 292,258
ISHARES TR GLOBAL TECH ETF 464287291 5,673 16,809 SH   SOLE 0 0 0 16,809
ISHARES TR CORE S&P500 ETF 464287200 36,502 84,904 SH   SOLE 0 0 0 84,904
SPDR SER TR PRTFLO S&P500 VL 78464A508 280 7,080 SH   SOLE 0 0 0 7,080
ISHARES TR EAFE GRWTH ETF 464288885 12,300 114,651 SH   SOLE 0 0 0 114,651
ISHARES TR MSCI USA MMENTM 46432F396 4,474 25,800 SH   SOLE 0 0 0 25,800
JOHNSON & JOHNSON COM 478160104 652 3,959 SH   SOLE 0 0 0 3,959
THERMO FISHER SCIENTIFIC INC COM 883556102 455 902 SH   SOLE 0 0 0 902
DELL TECHNOLOGIES INC CL C 24703L202 412 4,129 SH   SOLE 0 0 0 4,129
ISHARES TR GENOMICS IMMUN 46435U192 3,331 64,027 SH   SOLE 0 0 0 64,027
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,577 32,930 SH   SOLE 0 0 0 32,930