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 879 8,134 SH   SOLE 0 0 0 8,134
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,649 4,925 SH   SOLE 0 0 0 4,925
ABBOTT LABS COM 002824100 260 2,385 SH   SOLE 0 0 0 2,385
READY CAPITAL CORP COM 75574U101 182 16,218 SH   SOLE 0 0 0 16,218
ISHARES TR COHEN STEER REIT 464287564 4,086 40,056 SH   SOLE 0 0 0 40,056
ISHARES TR SELECT DIVID ETF 464287168 305 3,740 SH   SOLE 0 0 0 3,740
AMAZON COM INC COM 023135106 252 80 SH   SOLE 0 0 0 80
XCEL ENERGY INC COM 98389B100 211 3,052 SH   SOLE 0 0 0 3,052
ISHARES TR MSCI USA QLT FCT 46432F339 688 6,629 SH   SOLE 0 0 0 6,629
ISHARES TR MSCI USA MIN VOL 46429B697 8,245 129,377 SH   SOLE 0 0 0 129,377
APPLE INC COM 037833100 853 7,366 SH   SOLE 0 0 0 7,366
ISHARES TR U.S. MED DVC ETF 464288810 5,120 17,088 SH   SOLE 0 0 0 17,088
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,258 91,599 SH   SOLE 0 0 0 91,599
ISHARES TR MSCI USA VALUE 46432F388 5,054 68,498 SH   SOLE 0 0 0 68,498
ISHARES INC ESG AWR MSCI EM 46434G863 7,061 198,299 SH   SOLE 0 0 0 198,299
ISHARES TR US TREAS BD ETF 46429B267 15,011 537,073 SH   SOLE 0 0 0 537,073
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,216 15,273 SH   SOLE 0 0 0 15,273
ISHARES TR CORE S&P SCP ETF 464287804 5,109 72,752 SH   SOLE 0 0 0 72,752
ANALOG DEVICES INC COM 032654105 760 6,513 SH   SOLE 0 0 0 6,513
QUANTA SVCS INC COM 74762E102 259 4,900 SH   SOLE 0 0 0 4,900
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 7,366 201,427 SH   SOLE 0 0 0 201,427
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 893 4,195 SH   SOLE 0 0 0 4,195
KIMBERLY CLARK CORP COM 494368103 237 1,603 SH   SOLE 0 0 0 1,603
ISHARES TR IBOXX INV CP ETF 464287242 16,641 123,532 SH   SOLE 0 0 0 123,532
ISHARES TR RUS 1000 VAL ETF 464287598 1,278 10,819 SH   SOLE 0 0 0 10,819
ISHARES TR U.S. FIN SVC ETF 464287770 2,232 18,290 SH   SOLE 0 0 0 18,290
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 823 7,144 SH   SOLE 0 0 0 7,144
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 685 21,800 SH   SOLE 0 0 0 21,800
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,082 12,265 SH   SOLE 0 0 0 12,265
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,675 48,381 SH   SOLE 0 0 0 48,381
VANGUARD INDEX FDS SMALL CP ETF 922908751 376 2,443 SH   SOLE 0 0 0 2,443
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,011 8,659 SH   SOLE 0 0 0 8,659
HOME DEPOT INC COM 437076102 543 1,956 SH   SOLE 0 0 0 1,956
VANGUARD INDEX FDS TOTAL STK MKT 922908769 528 3,100 SH   SOLE 0 0 0 3,100
ISHARES TR CORE US AGGBD ET 464287226 9,486 80,348 SH   SOLE 0 0 0 80,348
ISHARES TR ESG AWR MSCI USA 46435G425 37,443 491,313 SH   SOLE 0 0 0 491,313
INVESCO QQQ TR UNIT SER 1 46090E103 458 1,648 SH   SOLE 0 0 0 1,648
WELLS FARGO CO NEW COM 949746101 327 13,904 SH   SOLE 0 0 0 13,904
VANGUARD WORLD FD MEGA GRWTH IND 921910816 22,917 123,608 SH   SOLE 0 0 0 123,608
ISHARES TR RUS 1000 ETF 464287622 1,507 8,050 SH   SOLE 0 0 0 8,050
ISHARES TR MSCI ACWI ETF 464288257 713 8,920 SH   SOLE 0 0 0 8,920
MICROSOFT CORP COM 594918104 1,991 9,464 SH   SOLE 0 0 0 9,464
ISHARES TR CORE S&P MCP ETF 464287507 598 3,225 SH   SOLE 0 0 0 3,225
ISHARES TR RUS 1000 GRW ETF 464287614 2,678 12,347 SH   SOLE 0 0 0 12,347
ISHARES TR RUSSELL 2000 ETF 464287655 780 5,204 SH   SOLE 0 0 0 5,204
ISHARES TR CORE MSCI EAFE 46432F842 5,035 83,530 SH   SOLE 0 0 0 83,530
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 9,570 118,684 SH   SOLE 0 0 0 118,684
ADOBE SYSTEMS INCORPORATED COM 00724F101 392 800 SH   SOLE 0 0 0 800
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 1,383 27,599 SH   SOLE 0 0 0 27,599
ISHARES TR ESG AWRE USD ETF 46435G193 390 14,063 SH   SOLE 0 0 0 14,063
GLOBAL X FDS THMATC GWT ETF 37954Y418 1,247 36,732 SH   SOLE 0 0 0 36,732
ISHARES TR 20 YR TR BD ETF 464287432 1,177 7,208 SH   SOLE 0 0 0 7,208
ISHARES TR RUS MD CP GR ETF 464287481 653 3,776 SH   SOLE 0 0 0 3,776
ISHARES TR ISHS 1-5YR INVS 464288646 7,914 144,121 SH   SOLE 0 0 0 144,121
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 390 9,364 SH   SOLE 0 0 0 9,364
SPDR SER TR PRTFLO S&P500 VL 78464A508 235 7,768 SH   SOLE 0 0 0 7,768
ISHARES TR GLOBAL TECH ETF 464287291 10,122 38,390 SH   SOLE 0 0 0 38,390
ISHARES TR CORE S&P500 ETF 464287200 23,831 70,914 SH   SOLE 0 0 0 70,914
ISHARES TR EAFE GRWTH ETF 464288885 10,540 117,270 SH   SOLE 0 0 0 117,270
APPLIED INDL TECHNOLOGIES IN COM 03820C105 216 3,923 SH   SOLE 0 0 0 3,923
THERMO FISHER SCIENTIFIC INC COM 883556102 568 1,287 SH   SOLE 0 0 0 1,287
JOHNSON & JOHNSON COM 478160104 589 3,959 SH   SOLE 0 0 0 3,959
DELL TECHNOLOGIES INC CL C 24703L202 279 4,129 SH   SOLE 0 0 0 4,129
ISHARES INC MSCI GBL MIN VOL 464286525 2,328 25,325 SH   SOLE 0 0 0 25,325
ISHARES TR 0-5YR HI YL CP 46434V407 5,173 117,702 SH   SOLE 0 0 0 117,702
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,297 41,406 SH   SOLE 0 0 0 41,406