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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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
ISHARES TR MBS ETF 464288588 4,734 42,865 SH   SOLE 0 0 0 42,865
ISHARES TR RUS 1000 GRW ETF 464287614 2,021 13,415 SH   SOLE 0 0 0 13,415
ISHARES TR RUS MD CP GR ETF 464287481 459 3,772 SH   SOLE 0 0 0 3,772
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,616 169,312 SH   SOLE 0 0 0 169,312
MICROSOFT CORP COM 594918104 1,192 7,561 SH   SOLE 0 0 0 7,561
ISHARES TR USA SIZE FACTOR 46432F370 1,943 27,226 SH   SOLE 0 0 0 27,226
ISHARES TR US TREAS BD ETF 46429B267 19,008 678,620 SH   SOLE 0 0 0 678,620
EXXON MOBIL CORP COM 30231G102 206 5,431 SH   SOLE 0 0 0 5,431
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 696 8,659 SH   SOLE 0 0 0 8,659
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 437 6,172 SH   SOLE 0 0 0 6,172
ANALOG DEVICES INC COM 032654105 584 6,513 SH   SOLE 0 0 0 6,513
VANGUARD INDEX FDS TOTAL STK MKT 922908769 400 3,100 SH   SOLE 0 0 0 3,100
ISHARES TR ESG MSCI USA ETF 46435G425 5,257 91,439 SH   SOLE 0 0 0 91,439
ISHARES TR CORE S&P500 ETF 464287200 22,555 87,287 SH   SOLE 0 0 0 87,287
HOME DEPOT INC COM 437076102 399 2,135 SH   SOLE 0 0 0 2,135
INVESCO EXCHANGE-TRADED FD T S&P MIDCP LOW 46138E198 2,835 71,197 SH   SOLE 0 0 0 71,197
ISHARES TR USA QUALITY FCTR 46432F339 6,014 74,215 SH   SOLE 0 0 0 74,215
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 719 3,931 SH   SOLE 0 0 0 3,931
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,331 55,293 SH   SOLE 0 0 0 55,293
ISHARES TR CORE S&P TTL STK 464287150 1,405 24,557 SH   SOLE 0 0 0 24,557
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 394 16,777 SH   SOLE 0 0 0 16,777
ISHARES TR SELECT DIVID ETF 464287168 403 5,482 SH   SOLE 0 0 0 5,482
ISHARES TR CORE US AGGBD ET 464287226 8,159 70,719 SH   SOLE 0 0 0 70,719
ISHARES TR MIN VOL EAFE ETF 46429B689 595 9,590 SH   SOLE 0 0 0 9,590
ISHARES INC ESG MSCI EM ETF 46434G863 3,242 118,450 SH   SOLE 0 0 0 118,450
ISHARES TR INTRM TR CRP ETF 464288638 6,122 111,477 SH   SOLE 0 0 0 111,477
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 282 14,290 SH   SOLE 0 0 0 14,290
INVESCO QQQ TR UNIT SER 1 46090E103 306 1,607 SH   SOLE 0 0 0 1,607
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 774 15,016 SH   SOLE 0 0 0 15,016
ISHARES TR 20 YR TR BD ETF 464287432 2,266 13,737 SH   SOLE 0 0 0 13,737
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,936 23,046 SH   SOLE 0 0 0 23,046
ISHARES TR GLOBAL TECH ETF 464287291 5,897 32,339 SH   SOLE 0 0 0 32,339
ISHARES INC MIN VOL GBL ETF 464286525 1,395 17,367 SH   SOLE 0 0 0 17,367
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 3,841 126,889 SH   SOLE 0 0 0 126,889
READY CAP CORP COM 75574U101 112 15,460 SH   SOLE 0 0 0 15,460
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 997 38,565 SH   SOLE 0 0 0 38,565
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 206 4,397 SH   SOLE 0 0 0 4,397
SPDR SER TR PRTFLO S&P500 VL 78464A508 219 8,456 SH   SOLE 0 0 0 8,456
JOHNSON & JOHNSON COM 478160104 536 4,084 SH   SOLE 0 0 0 4,084
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 635 7,975 SH   SOLE 0 0 0 7,975
ISHARES INC CORE MSCI EMKT 46434G103 4,049 100,052 SH   SOLE 0 0 0 100,052
ISHARES TR RUSSELL 2000 ETF 464287655 710 6,205 SH   SOLE 0 0 0 6,205
ISHARES TR 0-5YR HI YL CP 46434V407 3,291 80,525 SH   SOLE 0 0 0 80,525
ISHARES TR MSCI MIN VOL ETF 46429B697 33,710 624,142 SH   SOLE 0 0 0 624,142
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,164 13,636 SH   SOLE 0 0 0 13,636
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 993 16,436 SH   SOLE 0 0 0 16,436
ISHARES TR RUS 1000 VAL ETF 464287598 1,239 12,497 SH   SOLE 0 0 0 12,497
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,813 143,892 SH   SOLE 0 0 0 143,892
ADOBE INC COM 00724F101 255 800 SH   SOLE 0 0 0 800
ISHARES TR COHEN STEER REIT 464287564 581 6,340 SH   SOLE 0 0 0 6,340
ISHARES TR RUS 1000 ETF 464287622 1,247 8,812 SH   SOLE 0 0 0 8,812
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,533 5,949 SH   SOLE 0 0 0 5,949
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 2,183 45,010 SH   SOLE 0 0 0 45,010
WELLS FARGO CO NEW COM 949746101 327 11,387 SH   SOLE 0 0 0 11,387
APPLE INC COM 037833100 420 1,652 SH   SOLE 0 0 0 1,652
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 3,789 105,254 SH   SOLE 0 0 0 105,254
ISHARES TR CORE S&P MCP ETF 464287507 475 3,299 SH   SOLE 0 0 0 3,299
ISHARES TR CORE MSCI EAFE 46432F842 7,895 158,244 SH   SOLE 0 0 0 158,244