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
AGNC INVT CORP COM 00123Q104   69,205 6,866 SH   SOLE 0 0 0 6,866
AGNC INVT CORP COM 00123Q104   35,895 3,561 SH   SOLE 0 0 0 3,561
ALPHABET INC CAP STK CL C 02079K107   857,376 8,244 SH   SOLE 0 0 0 8,244
ALPHABET INC CAP STK CL C 02079K107   7,280 70 SH   SOLE 0 0 0 70
ALPHABET INC CAP STK CL C 02079K107   489,112 4,703 SH   SOLE 0 0 0 4,703
ALPHABET INC CAP STK CL A 02079K305   224,368 2,163 SH   SOLE 0 0 0 2,163
ALPHABET INC CAP STK CL A 02079K305   35,579 343 SH   SOLE 0 0 0 343
AMERISOURCEBERGEN CORP COM 03073E105   514,636 3,214 SH   SOLE 0 0 0 3,214
AMERISOURCEBERGEN CORP COM 03073E105   4,003 25 SH   SOLE 0 0 0 25
AMERISOURCEBERGEN CORP COM 03073E105   72,210 451 SH   SOLE 0 0 0 451
ANALOG DEVICES INC COM 032654105   528,506 2,680 SH   SOLE 0 0 0 2,680
ANALOG DEVICES INC COM 032654105   4,931 25 SH   SOLE 0 0 0 25
ANALOG DEVICES INC COM 032654105   70,802 359 SH   SOLE 0 0 0 359
APPLE INC COM 037833100   792,014 4,803 SH   SOLE 0 0 0 4,803
BANK AMERICA CORP COM 060505104   255,655 8,939 SH   SOLE 0 0 0 8,939
BANK AMERICA CORP COM 060505104   2,431 85 SH   SOLE 0 0 0 85
BANK AMERICA CORP COM 060505104   31,460 1,100 SH   SOLE 0 0 0 1,100
BANK NEW YORK MELLON CORP COM 064058100   332,958 7,327 SH   SOLE 0 0 0 7,327
BANK NEW YORK MELLON CORP COM 064058100   36,079 794 SH   SOLE 0 0 0 794
BANK NEW YORK MELLON CORP COM 064058100   189,530 4,171 SH   SOLE 0 0 0 4,171
BECTON DICKINSON & CO COM 075887109   418,687 1,691 SH   SOLE 0 0 0 1,691
BECTON DICKINSON & CO COM 075887109   3,961 16 SH   SOLE 0 0 0 16
BECTON DICKINSON & CO COM 075887109   231,202 934 SH   SOLE 0 0 0 934
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,597,267 5,173 SH   SOLE 0 0 0 5,173
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   13,586 44 SH   SOLE 0 0 0 44
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   766,985 2,484 SH   SOLE 0 0 0 2,484
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   25,651 567 SH   SOLE 0 0 0 567
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   468,640 10,359 SH   SOLE 0 0 0 10,359
BOOKING HOLDINGS INC COM 09857L108   453,562 171 SH   SOLE 0 0 0 171
BOOKING HOLDINGS INC COM 09857L108   2,652 1 SH   SOLE 0 0 0 1
BOOKING HOLDINGS INC COM 09857L108   474,781 179 SH   SOLE 0 0 0 179
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   244,332 1,667 SH   SOLE 0 0 0 1,667
CARMAX INC COM 143130102   337,599 5,252 SH   SOLE 0 0 0 5,252
CARMAX INC COM 143130102   2,764 43 SH   SOLE 0 0 0 43
CARMAX INC COM 143130102   257,827 4,011 SH   SOLE 0 0 0 4,011
COMCAST CORP NEW CL A 20030N101   494,567 13,046 SH   SOLE 0 0 0 13,046
COMCAST CORP NEW CL A 20030N101   4,663 123 SH   SOLE 0 0 0 123
COMCAST CORP NEW CL A 20030N101   276,440 7,292 SH   SOLE 0 0 0 7,292
DIAMONDBACK ENERGY INC COM 25278X109   10,408 77 SH   SOLE 0 0 0 77
DIAMONDBACK ENERGY INC COM 25278X109   194,104 1,436 SH   SOLE 0 0 0 1,436
DOLLAR TREE INC COM 256746108   8,326 58 SH   SOLE 0 0 0 58
DOLLAR TREE INC COM 256746108   212,310 1,479 SH   SOLE 0 0 0 1,479
EBAY INC. COM 278642103   349,848 7,885 SH   SOLE 0 0 0 7,885
EBAY INC. COM 278642103   3,283 74 SH   SOLE 0 0 0 74
EBAY INC. COM 278642103   274,783 6,193 SH   SOLE 0 0 0 6,193
ENBRIDGE INC COM 29250N105   460,924 12,082 SH   SOLE 0 0 0 12,082
ENBRIDGE INC COM 29250N105   3,891 102 SH   SOLE 0 0 0 102
ENBRIDGE INC COM 29250N105   240,841 6,313 SH   SOLE 0 0 0 6,313
EXXON MOBIL CORP COM 30231G102   203,695 1,858 SH   SOLE 0 0 0 1,858
EXXON MOBIL CORP COM 30231G102   1,864 17 SH   SOLE 0 0 0 17
EXXON MOBIL CORP COM 30231G102   29,060 265 SH   SOLE 0 0 0 265
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   65,773 1,374 SH   SOLE 0 0 0 1,374
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   164,769 3,442 SH   SOLE 0 0 0 3,442
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   125,627 2,788 SH   SOLE 0 0 0 2,788
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   302,037 6,703 SH   SOLE 0 0 0 6,703
FISERV INC COM 337738108   117,099 1,036 SH   SOLE 0 0 0 1,036
FISERV INC COM 337738108   48,603 430 SH   SOLE 0 0 0 430
FISERV INC COM 337738108   194,864 1,724 SH   SOLE 0 0 0 1,724
GENERAL DYNAMICS CORP COM 369550108   386,884 1,695 SH   SOLE 0 0 0 1,695
GENERAL DYNAMICS CORP COM 369550108   3,651 16 SH   SOLE 0 0 0 16
GENERAL DYNAMICS CORP COM 369550108   56,824 249 SH   SOLE 0 0 0 249
HANESBRANDS INC COM 410345102   2,904 552 SH   SOLE 0 0 0 552
HANESBRANDS INC COM 410345102   83,755 15,923 SH   SOLE 0 0 0 15,923
INGREDION INC COM 457187102   15,565 153 SH   SOLE 0 0 0 153
INGREDION INC COM 457187102   333,980 3,283 SH   SOLE 0 0 0 3,283
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   212,378 8,946 SH   SOLE 0 0 0 8,946
INVESCO QQQ TR UNIT SER 1 46090E103   345,321 1,076 SH   SOLE 0 0 0 1,076
ISHARES INC CORE MSCI EMKT 46434G103   3,668,423 75,188 SH   SOLE 0 0 0 75,188
ISHARES INC CORE MSCI EMKT 46434G103   4,962,285 101,707 SH   SOLE 0 0 0 101,707
ISHARES INC ESG AWR MSCI EM 46434G863   12,120 385 SH   SOLE 0 0 0 385
ISHARES INC ESG AWR MSCI EM 46434G863   313,092 9,946 SH   SOLE 0 0 0 9,946
ISHARES TR ESG AW MSCI EAFE 46435G516   17,673 246 SH   SOLE 0 0 0 246
ISHARES TR ESG AW MSCI EAFE 46435G516   295,751 4,117 SH   SOLE 0 0 0 4,117
ISHARES TR ESG AWARE MSCI 46435U663   13,426 395 SH   SOLE 0 0 0 395
ISHARES TR ESG AWARE MSCI 46435U663   236,553 6,959 SH   SOLE 0 0 0 6,959
ISHARES TR US INFRASTRUC 46435U713   687,032 18,409 SH   SOLE 0 0 0 18,409
ISHARES TR US INFRASTRUC 46435U713   887,001 23,767 SH   SOLE 0 0 0 23,767
ISHARES TR ESG AWR US AGRGT 46435U549   37,583 782 SH   SOLE 0 0 0 782
ISHARES TR ESG AWR US AGRGT 46435U549   197,430 4,108 SH   SOLE 0 0 0 4,108
ISHARES TR ESG MSCI USA ETF 46436E767   28,903 874 SH   SOLE 0 0 0 874
ISHARES TR ESG MSCI USA ETF 46436E767   472,834 14,298 SH   SOLE 0 0 0 14,298
ISHARES TR ESG EAFE ETF 46436E759   16,447 276 SH   SOLE 0 0 0 276
ISHARES TR ESG EAFE ETF 46436E759   277,511 4,657 SH   SOLE 0 0 0 4,657
ISHARES TR 10-20 YR TRS ETF 464288653   1,285,151 11,220 SH   SOLE 0 0 0 11,220
ISHARES TR 10-20 YR TRS ETF 464288653   1,162,896 10,153 SH   SOLE 0 0 0 10,153
ISHARES TR MSCI KLD400 SOC 464288570   32,210 413 SH   SOLE 0 0 0 413
ISHARES TR MSCI KLD400 SOC 464288570   484,565 6,213 SH   SOLE 0 0 0 6,213
ISHARES TR MBS ETF 464288588   4,216,802 44,514 SH   SOLE 0 0 0 44,514
ISHARES TR MBS ETF 464288588   3,387,272 35,757 SH   SOLE 0 0 0 35,757
ISHARES TR MSCI USA MIN VOL 46429B697   1,987,982 27,330 SH   SOLE 0 0 0 27,330
ISHARES TR MSCI USA MIN VOL 46429B697   2,683,783 36,896 SH   SOLE 0 0 0 36,896
ISHARES TR US TREAS BD ETF 46429B267   4,047,265 173,108 SH   SOLE 0 0 0 173,108
ISHARES TR US TREAS BD ETF 46429B267   3,356,877 143,579 SH   SOLE 0 0 0 143,579
ISHARES TR FALN ANGLS USD 46435G474   416,753 16,492 SH   SOLE 0 0 0 16,492
ISHARES TR FALN ANGLS USD 46435G474   276,707 10,950 SH   SOLE 0 0 0 10,950
ISHARES TR ESG AWR MSCI USA 46435G425   3,111,870 34,404 SH   SOLE 0 0 0 34,404
ISHARES TR ESG AWR MSCI USA 46435G425   5,604,796 61,966 SH   SOLE 0 0 0 61,966
ISHARES TR ESG AWRE USD ETF 46435G193   33,855 1,471 SH   SOLE 0 0 0 1,471
ISHARES TR ESG AWRE USD ETF 46435G193   340,599 14,799 SH   SOLE 0 0 0 14,799
ISHARES TR MSCI USA QLT FCT 46432F339   7,241,966 58,372 SH   SOLE 0 0 0 58,372
ISHARES TR MSCI USA QLT FCT 46432F339   9,898,198 79,782 SH   SOLE 0 0 0 79,782
ISHARES TR CORE TOTAL USD 46434V613   11,628,333 251,968 SH   SOLE 0 0 0 251,968
ISHARES TR CORE TOTAL USD 46434V613   9,780,747 211,934 SH   SOLE 0 0 0 211,934
ISHARES TR JPMORGAN USD EMG 464288281   420,011 4,868 SH   SOLE 0 0 0 4,868
ISHARES TR JPMORGAN USD EMG 464288281   245,035 2,840 SH   SOLE 0 0 0 2,840
ISHARES TR EAFE VALUE ETF 464288877   4,063,071 83,723 SH   SOLE 0 0 0 83,723
ISHARES TR EAFE VALUE ETF 464288877   5,580,789 114,997 SH   SOLE 0 0 0 114,997
ISHARES TR EAFE VALUE ETF 464288877   14,899 307 SH   SOLE 0 0 0 307
ISHARES TR EAFE GRWTH ETF 464288885   6,230,891 66,513 SH   SOLE 0 0 0 66,513
ISHARES TR EAFE GRWTH ETF 464288885   8,529,071 91,045 SH   SOLE 0 0 0 91,045
ISHARES TR TIPS BD ETF 464287176   432,731 3,925 SH   SOLE 0 0 0 3,925
ISHARES TR TIPS BD ETF 464287176   825,662 7,489 SH   SOLE 0 0 0 7,489
ISHARES TR CORE S&P500 ETF 464287200   18,208,019 44,293 SH   SOLE 0 0 0 44,293
ISHARES TR CORE S&P500 ETF 464287200   23,949,774 58,261 SH   SOLE 0 0 0 58,261
ISHARES TR U.S. TECH ETF 464287721   2,958,732 31,879 SH   SOLE 0 0 0 31,879
ISHARES TR U.S. TECH ETF 464287721   4,044,187 43,575 SH   SOLE 0 0 0 43,575
JPMORGAN CHASE & CO COM 46625H100   754,857 5,793 SH   SOLE 0 0 0 5,793
JPMORGAN CHASE & CO COM 46625H100   4,040 31 SH   SOLE 0 0 0 31
JPMORGAN CHASE & CO COM 46625H100   276,127 2,119 SH   SOLE 0 0 0 2,119
LABORATORY CORP AMER HLDGS COM NEW 50540R409   97,512 425 SH   SOLE 0 0 0 425
LABORATORY CORP AMER HLDGS COM NEW 50540R409   44,278 193 SH   SOLE 0 0 0 193
LABORATORY CORP AMER HLDGS COM NEW 50540R409   149,811 653 SH   SOLE 0 0 0 653
LIGHTNING EMOTORS INC COM 53228T101   14,662 51,176 SH   SOLE 0 0 0 51,176
LOCKHEED MARTIN CORP COM 539830109   312,133 660 SH   SOLE 0 0 0 660
LOCKHEED MARTIN CORP COM 539830109   2,836 6 SH   SOLE 0 0 0 6
LOCKHEED MARTIN CORP COM 539830109   209,892 444 SH   SOLE 0 0 0 444
MCKESSON CORP COM 58155Q103   346,453 973 SH   SOLE 0 0 0 973
MCKESSON CORP COM 58155Q103   45,574 128 SH   SOLE 0 0 0 128
MCKESSON CORP COM 58155Q103   204,373 574 SH   SOLE 0 0 0 574
META PLATFORMS INC CL A 30303M102   555,707 2,622 SH   SOLE 0 0 0 2,622
META PLATFORMS INC CL A 30303M102   4,663 22 SH   SOLE 0 0 0 22
META PLATFORMS INC CL A 30303M102   457,578 2,159 SH   SOLE 0 0 0 2,159
MICROSOFT CORP COM 594918104   559,627 1,941 SH   SOLE 0 0 0 1,941
MICROSOFT CORP COM 594918104   4,036 14 SH   SOLE 0 0 0 14
MICROSOFT CORP COM 594918104   100,328 348 SH   SOLE 0 0 0 348
NOVARTIS AG SPONSORED ADR 66987V109   482,765 5,247 SH   SOLE 0 0 0 5,247
NOVARTIS AG SPONSORED ADR 66987V109   4,600 50 SH   SOLE 0 0 0 50
NOVARTIS AG SPONSORED ADR 66987V109   69,460 755 SH   SOLE 0 0 0 755
OMNICOM GROUP INC COM 681919106   266,472 2,825 SH   SOLE 0 0 0 2,825
OMNICOM GROUP INC COM 681919106   27,925 296 SH   SOLE 0 0 0 296
OMNICOM GROUP INC COM 681919106   35,944 381 SH   SOLE 0 0 0 381
ORACLE CORP COM 68389X105   987,018 10,622 SH   SOLE 0 0 0 10,622
ORACLE CORP COM 68389X105   9,385 101 SH   SOLE 0 0 0 101
ORACLE CORP COM 68389X105   131,853 1,419 SH   SOLE 0 0 0 1,419
PHILIP MORRIS INTL INC COM 718172109   602,221 6,193 SH   SOLE 0 0 0 6,193
PHILIP MORRIS INTL INC COM 718172109   5,738 59 SH   SOLE 0 0 0 59
PHILIP MORRIS INTL INC COM 718172109   76,439 786 SH   SOLE 0 0 0 786
QUALCOMM INC COM 747525103   203,745 1,597 SH   SOLE 0 0 0 1,597
RAYTHEON TECHNOLOGIES CORP COM 75513E101   144,793 1,479 SH   SOLE 0 0 0 1,479
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,371 14 SH   SOLE 0 0 0 14
RAYTHEON TECHNOLOGIES CORP COM 75513E101   113,207 1,156 SH   SOLE 0 0 0 1,156
SANOFI SPONSORED ADR 80105N105   302,303 5,555 SH   SOLE 0 0 0 5,555
SANOFI SPONSORED ADR 80105N105   2,830 52 SH   SOLE 0 0 0 52
SANOFI SPONSORED ADR 80105N105   183,014 3,363 SH   SOLE 0 0 0 3,363
SCHWAB CHARLES CORP COM 808513105   357,946 6,834 SH   SOLE 0 0 0 6,834
SCHWAB CHARLES CORP COM 808513105   2,986 57 SH   SOLE 0 0 0 57
SCHWAB CHARLES CORP COM 808513105   61,861 1,181 SH   SOLE 0 0 0 1,181
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   281,332 1,863 SH   SOLE 0 0 0 1,863
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   35,940 238 SH   SOLE 0 0 0 238
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   191,730 1,481 SH   SOLE 0 0 0 1,481
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   32,365 250 SH   SOLE 0 0 0 250
SPDR GOLD TR GOLD SHS 78463V107   80,067 437 SH   SOLE 0 0 0 437
SPDR GOLD TR GOLD SHS 78463V107   134,483 734 SH   SOLE 0 0 0 734
SPDR S&P 500 ETF TR TR UNIT 78462F103   275,147 672 SH   SOLE 0 0 0 672
SPDR S&P 500 ETF TR TR UNIT 78462F103   114,220 279 SH   SOLE 0 0 0 279
THE CIGNA GROUP COM 125523100   224,866 880 SH   SOLE 0 0 0 880
UNILEVER PLC SPON ADR NEW 904767704   431,728 8,314 SH   SOLE 0 0 0 8,314
UNILEVER PLC SPON ADR NEW 904767704   4,102 79 SH   SOLE 0 0 0 79
UNILEVER PLC SPON ADR NEW 904767704   58,058 1,118 SH   SOLE 0 0 0 1,118
VANGUARD INDEX FDS TOTAL STK MKT 922908769   242,703 1,189 SH   SOLE 0 0 0 1,189
VANGUARD INDEX FDS TOTAL STK MKT 922908769   573,560 2,810 SH   SOLE 0 0 0 2,810
VANGUARD INDEX FDS TOTAL STK MKT 922908769   73,272 359 SH   SOLE 0 0 0 359
VANGUARD INDEX FDS SMALL CP ETF 922908751   458,546 2,419 SH   SOLE 0 0 0 2,419
VISA INC COM CL A 92826C839   464,474 2,060 SH   SOLE 0 0 0 2,060
VISA INC COM CL A 92826C839   3,607 16 SH   SOLE 0 0 0 16
VISA INC COM CL A 92826C839   72,373 321 SH   SOLE 0 0 0 321
WELLS FARGO CO NEW COM 949746101   309,122 8,270 SH   SOLE 0 0 0 8,270
WELLS FARGO CO NEW COM 949746101   2,953 79 SH   SOLE 0 0 0 79
WELLS FARGO CO NEW COM 949746101   285,359 7,634 SH   SOLE 0 0 0 7,634
WYNDHAM HOTELS & RESORTS INC COM 98311A105   7,396 109 SH   SOLE 0 0 0 109
WYNDHAM HOTELS & RESORTS INC COM 98311A105   207,553 3,059 SH   SOLE 0 0 0 3,059
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105   7,632 24 SH   SOLE 0 0 0 24
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105   218,784 688 SH   SOLE 0 0 0 688