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
ADOBE INC COM 00724F101   337,512 759 SH   SOLE 0 0 0 759
ALPHABET INC CAP STK CL A 02079K305   411,728 2,175 SH   SOLE 0 0 0 2,175
ALPHABET INC CAP STK CL C 02079K107   330,985 1,738 SH   SOLE 0 0 0 1,738
AMAZON COM INC COM 023135106   239,793 1,093 SH   SOLE 0 0 0 1,093
AMERICAN EXPRESS CO COM 025816109   708,161 2,386 SH   SOLE 0 0 0 2,386
AMPHENOL CORP NEW CL A 032095101   410,311 5,908 SH   SOLE 0 0 0 5,908
ANALOG DEVICES INC COM 032654105   1,159,182 5,456 SH   SOLE 0 0 0 5,456
APPLE INC COM 037833100   1,368,926 5,467 SH   SOLE 0 0 0 5,467
AUTOMATIC DATA PROCESSING IN COM 053015103   243,867 833 SH   SOLE 0 0 0 833
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,671,697 3,688 SH   SOLE 0 0 0 3,688
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   4,089,187 63,844 SH   SOLE 0 0 0 63,844
BLACKROCK ETF TRUST WORLD EX US CARB 09290C608   747,617 17,179 SH   SOLE 0 0 0 17,179
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   37,835,559 738,255 SH   SOLE 0 0 0 738,255
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   12,340,787 237,232 SH   SOLE 0 0 0 237,232
BROADCOM INC COM 11135F101   222,566 960 SH   SOLE 0 0 0 960
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   401,850 5,869 SH   SOLE 0 0 0 5,869
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300   2,390,819 87,640 SH   SOLE 0 0 0 87,640
CDW CORP COM 12514G108   219,116 1,259 SH   SOLE 0 0 0 1,259
CHEVRON CORP NEW COM 166764100   359,558 2,482 SH   SOLE 0 0 0 2,482
CISCO SYS INC COM 17275R102   217,273 3,670 SH   SOLE 0 0 0 3,670
COSTCO WHSL CORP NEW COM 22160K105   431,868 471 SH   SOLE 0 0 0 471
DELL TECHNOLOGIES INC CL C 24703L202   317,025 2,751 SH   SOLE 0 0 0 2,751
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   369,383 5,794 SH   SOLE 0 0 0 5,794
EXXON MOBIL CORP COM 30231G102   369,164 3,432 SH   SOLE 0 0 0 3,432
GLOBAL X FDS US INFR DEV ETF 37954Y673   2,313,451 57,249 SH   SOLE 0 0 0 57,249
GLOBAL X FDS S&P 500 QLT ETF 37954Y616   429,410 12,383 SH   SOLE 0 0 0 12,383
GLOBAL X FDS DEFENSE TECH ETF 37960A529   3,391,254 90,651 SH   SOLE 0 0 0 90,651
HOME DEPOT INC COM 437076102   666,838 1,714 SH   SOLE 0 0 0 1,714
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   2,965,531 14,091 SH   SOLE 0 0 0 14,091
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,654,492 9,442 SH   SOLE 0 0 0 9,442
INVESCO QQQ TR UNIT SER 1 46090E103   1,132,696 2,216 SH   SOLE 0 0 0 2,216
ISHARES GOLD TR ISHARES NEW 464285204   3,071,699 62,042 SH   SOLE 0 0 0 62,042
ISHARES INC CORE MSCI EMKT 46434G103   4,866,800 93,198 SH   SOLE 0 0 0 93,198
ISHARES INC ESG AWR MSCI EM 46434G863   1,027,934 30,786 SH   SOLE 0 0 0 30,786
ISHARES INC MSCI EMRG CHN 46434G764   9,310,332 167,905 SH   SOLE 0 0 0 167,905
ISHARES INC MSCI EQUAL WEITE 464286681   1,137,168 11,925 SH   SOLE 0 0 0 11,925
ISHARES TR EAFE VALUE ETF 464288877   23,261,167 443,323 SH   SOLE 0 0 0 443,323
ISHARES TR MBS ETF 464288588   17,917,112 195,431 SH   SOLE 0 0 0 195,431
ISHARES TR 20 YR TR BD ETF 464287432   7,319,924 83,819 SH   SOLE 0 0 0 83,819
ISHARES TR RUS MD CP GR ETF 464287481   646,805 5,103 SH   SOLE 0 0 0 5,103
ISHARES TR CORE S&P500 ETF 464287200   91,340,420 155,161 SH   SOLE 0 0 0 155,161
ISHARES TR GLOBAL TECH ETF 464287291   2,321,387 27,391 SH   SOLE 0 0 0 27,391
ISHARES TR US INFRASTRUC 46435U713   3,039,911 65,671 SH   SOLE 0 0 0 65,671
ISHARES TR EAFE GRWTH ETF 464288885   21,860,909 225,766 SH   SOLE 0 0 0 225,766
ISHARES TR MSCI USA MMENTM 46432F396   6,502,760 31,426 SH   SOLE 0 0 0 31,426
ISHARES TR S&P 500 GRWT ETF 464287309   27,178,191 267,686 SH   SOLE 0 0 0 267,686
ISHARES TR RUS 1000 ETF 464287622   1,646,560 5,111 SH   SOLE 0 0 0 5,111
ISHARES TR MSCI ACWI ETF 464288257   3,865,750 32,900 SH   SOLE 0 0 0 32,900
ISHARES TR MSCI EMG MKT ETF 464287234   568,417 13,592 SH   SOLE 0 0 0 13,592
ISHARES TR IBOXX HI YD ETF 464288513   1,535,877 19,528 SH   SOLE 0 0 0 19,528
ISHARES TR ESG AWR MSCI USA 46435G425   21,720,153 168,609 SH   SOLE 0 0 0 168,609
ISHARES TR CORE US AGGBD ET 464287226   10,576,926 109,153 SH   SOLE 0 0 0 109,153
ISHARES TR CORE S&P MCP ETF 464287507   776,001 12,454 SH   SOLE 0 0 0 12,454
ISHARES TR RUS 1000 GRW ETF 464287614   3,657,992 9,109 SH   SOLE 0 0 0 9,109
ISHARES TR RUSSELL 2000 ETF 464287655   1,129,741 5,113 SH   SOLE 0 0 0 5,113
ISHARES TR U.S. UTILITS ETF 464287697   1,474,611 15,327 SH   SOLE 0 0 0 15,327
ISHARES TR S&P 500 VAL ETF 464287408   14,646,260 76,730 SH   SOLE 0 0 0 76,730
ISHARES TR ESG AWRE USD ETF 46435G193   2,962,703 130,401 SH   SOLE 0 0 0 130,401
ISHARES TR MSCI KLD400 SOC 464288570   2,791,436 25,319 SH   SOLE 0 0 0 25,319
ISHARES TR JPMORGAN USD EMG 464288281   2,866,909 32,198 SH   SOLE 0 0 0 32,198
ISHARES TR U.S. TECH ETF 464287721   9,897,418 62,045 SH   SOLE 0 0 0 62,045
ISHARES TR ESG AWRE 1 5 YR 46435G243   720,820 29,183 SH   SOLE 0 0 0 29,183
ISHARES TR ESG AWR US AGRGT 46435U549   2,234,129 48,108 SH   SOLE 0 0 0 48,108
ISHARES TR CORE TOTAL USD 46434V613   70,429,075 1,558,165 SH   SOLE 0 0 0 1,558,165
ISHARES TR MSCI USA QLT FCT 46432F339   53,586,427 300,912 SH   SOLE 0 0 0 300,912
ISHARES TR HIGH YLD SYSTM B 46435G250   758,318 16,131 SH   SOLE 0 0 0 16,131
ISHARES TR HDG MSCI EAFE 46434V803   369,566 10,635 SH   SOLE 0 0 0 10,635
ISHARES TR ESG MSCI USA ETF 46436E767   3,350,710 67,392 SH   SOLE 0 0 0 67,392
ISHARES TR COHEN STEER REIT 464287564   211,513 3,510 SH   SOLE 0 0 0 3,510
ISHARES TR NATIONAL MUN ETF 464288414   2,431,364 22,819 SH   SOLE 0 0 0 22,819
ISHARES TR ESG ADV TTL USD 46436E619   1,050,505 24,729 SH   SOLE 0 0 0 24,729
ISHARES TR CORE S&P SCP ETF 464287804   1,659,744 14,405 SH   SOLE 0 0 0 14,405
ISHARES TR US TREAS BD ETF 46429B267   3,789,333 164,897 SH   SOLE 0 0 0 164,897
ISHARES TR IBOXX INV CP ETF 464287242   2,802,627 26,232 SH   SOLE 0 0 0 26,232
ISHARES TR CONV BD ETF 46435G102   477,871 5,624 SH   SOLE 0 0 0 5,624
ISHARES TR RUS 1000 VAL ETF 464287598   1,015,068 5,483 SH   SOLE 0 0 0 5,483
ISHARES TR ESG EAFE ETF 46436E759   1,980,395 30,647 SH   SOLE 0 0 0 30,647
ISHARES TR CORE S&P TTL STK 464287150   319,363 2,483 SH   SOLE 0 0 0 2,483
ISHARES TR CORE DIV GRWTH 46434V621   529,794 8,637 SH   SOLE 0 0 0 8,637
ISHARES U S ETF TR SHORT MATURITY M 46431W838   1,269,080 25,407 SH   SOLE 0 0 0 25,407
J P MORGAN EXCHANGE TRADED F USD EMRNG MKT 46641Q746   656,380 17,255 SH   SOLE 0 0 0 17,255
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   11,898,921 263,367 SH   SOLE 0 0 0 263,367
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   909,243 17,525 SH   SOLE 0 0 0 17,525
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   297,919 5,202 SH   SOLE 0 0 0 5,202
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   548,124 10,809 SH   SOLE 0 0 0 10,809
JOHNSON & JOHNSON COM 478160104   343,528 2,375 SH   SOLE 0 0 0 2,375
JPMORGAN CHASE & CO. COM 46625H100   491,445 2,050 SH   SOLE 0 0 0 2,050
KRANESHARES TRUST MSCI EMG EX CH 500767769   1,474,364 53,200 SH   SOLE 0 0 0 53,200
LINCOLN ELEC HLDGS INC COM 533900106   1,671,108 8,914 SH   SOLE 0 0 0 8,914
LOWES COS INC COM 548661107   227,796 923 SH   SOLE 0 0 0 923
MICROSOFT CORP COM 594918104   2,852,463 6,767 SH   SOLE 0 0 0 6,767
MOODYS CORP COM 615369105   254,673 538 SH   SOLE 0 0 0 538
PACER FDS TR GLOBL CASH ETF 69374H709   975,329 28,907 SH   SOLE 0 0 0 28,907
PACER FDS TR PACER US SMALL 69374H857   790,606 17,964 SH   SOLE 0 0 0 17,964
PROCTER AND GAMBLE CO COM 742718109   322,894 1,926 SH   SOLE 0 0 0 1,926
QUANTA SVCS INC COM 74762E102   902,639 2,856 SH   SOLE 0 0 0 2,856
READY CAPITAL CORP COM 75574U101   110,607 16,218 SH   SOLE 0 0 0 16,218
RTX CORPORATION COM 75513E101   432,677 3,739 SH   SOLE 0 0 0 3,739
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   348,367 13,471 SH   SOLE 0 0 0 13,471
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,393,915 369,776 SH   SOLE 0 0 0 369,776
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   689,565 25,240 SH   SOLE 0 0 0 25,240
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   440,130 15,792 SH   SOLE 0 0 0 15,792
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,407,973 50,811 SH   SOLE 0 0 0 50,811
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,953,013 170,535 SH   SOLE 0 0 0 170,535
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   341,724 2,484 SH   SOLE 0 0 0 2,484
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   379,004 7,842 SH   SOLE 0 0 0 7,842
SELECT SECTOR SPDR TR INDL 81369Y704   322,812 2,450 SH   SOLE 0 0 0 2,450
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,330,616 14,324 SH   SOLE 0 0 0 14,324
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   230,406 2,931 SH   SOLE 0 0 0 2,931
SELECT SECTOR SPDR TR ENERGY 81369Y506   227,999 2,662 SH   SOLE 0 0 0 2,662
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   365,691 1,630 SH   SOLE 0 0 0 1,630
SPDR GOLD TR GOLD SHS 78463V107   2,849,144 11,767 SH   SOLE 0 0 0 11,767
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   615,993 22,047 SH   SOLE 0 0 0 22,047
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   7,066,104 184,157 SH   SOLE 0 0 0 184,157
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   901,203 26,405 SH   SOLE 0 0 0 26,405
SPDR S&P 500 ETF TR TR UNIT 78462F103   20,840,357 35,559 SH   SOLE 0 0 0 35,559
SPDR SER TR PORT MTG BK ETF 78464A383   3,994,012 185,337 SH   SOLE 0 0 0 185,337
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,561,029 59,604 SH   SOLE 0 0 0 59,604
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   1,756,014 94,971 SH   SOLE 0 0 0 94,971
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,596,642 17,463 SH   SOLE 0 0 0 17,463
SPDR SER TR MSCI USA STRTGIC 78468R812   6,896,864 44,539 SH   SOLE 0 0 0 44,539
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,420,090 66,877 SH   SOLE 0 0 0 66,877
SPDR SER TR PORTFOLIO AGRGTE 78464A649   5,826,443 233,151 SH   SOLE 0 0 0 233,151
SPDR SER TR PRTFLO S&P500 GW 78464A409   5,425,276 61,721 SH   SOLE 0 0 0 61,721
SPDR SER TR PORTFOLIO S&P600 78468R853   4,902,793 109,145 SH   SOLE 0 0 0 109,145
SPDR SER TR BLOOMBERG EMERGI 78464A391   2,051,666 105,052 SH   SOLE 0 0 0 105,052
SPDR SER TR BLOOMBERG EMG MK 78468R515   1,426,895 60,004 SH   SOLE 0 0 0 60,004
SPDR SER TR PORTFOLIO S&P400 78464A847   3,371,967 61,656 SH   SOLE 0 0 0 61,656
SPDR SER TR S&P1500MOMTILT 78468R705   923,564 3,548 SH   SOLE 0 0 0 3,548
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   11,000,012 279,259 SH   SOLE 0 0 0 279,259
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408   8,460,300 158,314 SH   SOLE 0 0 0 158,314
SSGA ACTIVE TR SPDR BLACKSTONE 78470P846   2,645,831 93,278 SH   SOLE 0 0 0 93,278
STRYKER CORPORATION COM 863667101   217,830 605 SH   SOLE 0 0 0 605
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   5,134,692 154,334 SH   SOLE 0 0 0 154,334
THERMO FISHER SCIENTIFIC INC COM 883556102   298,092 573 SH   SOLE 0 0 0 573
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   13,886,538 25,773 SH   SOLE 0 0 0 25,773
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,718,863 5,931 SH   SOLE 0 0 0 5,931
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,279,454 27,915 SH   SOLE 0 0 0 27,915
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,309,553 75,149 SH   SOLE 0 0 0 75,149
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   295,162 5,089 SH   SOLE 0 0 0 5,089
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   1,422,108 25,693 SH   SOLE 0 0 0 25,693
VANGUARD WORLD FD MEGA GRWTH IND 921910816   5,915,924 17,227 SH   SOLE 0 0 0 17,227
VERISK ANALYTICS INC COM 92345Y106   253,396 920 SH   SOLE 0 0 0 920
WISDOMTREE TR INTL QULTY DIV 97717X131   3,088,752 90,288 SH   SOLE 0 0 0 90,288
XCEL ENERGY INC COM 98389B100   217,339 3,219 SH   SOLE 0 0 0 3,219