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
AFFIRM HLDGS INC COM CL A 00827B106   420,079 10,291 SH   SOLE   10,291 0 0
ALPHABET INC CAP STK CL A 02079K305   1,572,258 9,480 SH   SOLE   9,480 0 0
ALPHABET INC CAP STK CL C 02079K107   428,963 2,566 SH   SOLE   2,566 0 0
ALTRIA GROUP INC COM 02209S103   483,247 9,468 SH   SOLE   9,468 0 0
AMARIN CORP PLC SPONS ADR NEW 023111206   22,882 36,500 SH   SOLE   36,500 0 0
AMAZON COM INC COM 023135106   3,229,099 17,330 SH   SOLE   17,330 0 0
AMGEN INC COM 031162100   1,073,751 3,332 SH   SOLE   3,332 0 0
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   450,188 22,431 SH   SOLE   22,431 0 0
APPLE INC COM 037833100   7,101,985 30,481 SH   SOLE   30,481 0 0
ARISTA NETWORKS INC COM 040413106   211,101 550 SH   SOLE   550 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   291,638 350 SH   SOLE   350 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,569,487 3,410 SH   SOLE   3,410 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   872,506 23,852 SH   SOLE   23,852 0 0
BROADCOM INC COM 11135F101   396,750 2,300 SH   SOLE   2,300 0 0
CATERPILLAR INC COM 149123101   1,005,596 2,571 SH   SOLE   2,571 0 0
CHEVRON CORP NEW COM 166764100   222,967 1,514 SH   SOLE   1,514 0 0
CISCO SYS INC COM 17275R102   340,608 6,400 SH   SOLE   6,400 0 0
COSTCO WHSL CORP NEW COM 22160K105   278,367 314 SH   SOLE   314 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   537,259 8,142 SH   SOLE   8,142 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   1,010,110 40,526 SH   SOLE   40,526 0 0
EXXON MOBIL CORP COM 30231G102   351,543 2,999 SH   SOLE   2,999 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   224,976 1,992 SH   SOLE   1,992 0 0
HONEYWELL INTL INC COM 438516106   256,320 1,240 SH   SOLE   1,240 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   219,598 447 SH   SOLE   447 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,953,639 10,149 SH   SOLE   10,149 0 0
ISHARES GOLD TR ISHARES NEW 464285204   12,604,566 253,613 SH   SOLE   253,613 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   742,036 20,380 SH   SOLE   20,380 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   355,180 7,000 SH   SOLE   7,000 0 0
ISHARES TR COHEN STEER REIT 464287564   1,425,238 21,624 SH   SOLE   21,624 0 0
ISHARES TR CORE MSCI EAFE 46432F842   205,354 2,631 SH   SOLE   2,631 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   13,881,263 191,123 SH   SOLE   191,123 0 0
ISHARES TR CORE S&P SCP ETF 464287804   793,808 6,787 SH   SOLE   6,787 0 0
ISHARES TR CORE S&P US GWT 464287671   1,635,684 12,400 SH   SOLE   12,400 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,229,982 2,132 SH   SOLE   2,132 0 0
ISHARES TR CORE TOTAL USD 46434V613   4,265,350 90,521 SH   SOLE   90,521 0 0
ISHARES TR CORE US AGGBD ET 464287226   325,077 3,210 SH   SOLE   3,210 0 0
ISHARES TR EAFE GRWTH ETF 464288885   234,462 2,178 SH   SOLE   2,178 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,636,433 19,442 SH   SOLE   19,442 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   2,119,698 16,799 SH   SOLE   16,799 0 0
ISHARES TR EXPND TEC SC ETF 464287549   7,569,101 78,894 SH   SOLE   78,894 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   381,974 26,002 SH   SOLE   26,002 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   1,988,231 20,255 SH   SOLE   20,255 0 0
ISHARES TR IBOXX HI YD ETF 464288513   239,214 2,979 SH   SOLE   2,979 0 0
ISHARES TR ISHARES BIOTECH 464287556   1,822,766 12,519 SH   SOLE   12,519 0 0
ISHARES TR ISHARES SEMICDTR 464287523   389,005 1,687 SH   SOLE   1,687 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   948,933 18,020 SH   SOLE   18,020 0 0
ISHARES TR JPMORGAN USD EMG 464288281   633,630 6,771 SH   SOLE   6,771 0 0
ISHARES TR MSCI KLD400 SOC 464288570   1,645,270 15,123 SH   SOLE   15,123 0 0
ISHARES TR MSCI USA ESG SLC 464288802   379,440 3,154 SH   SOLE   3,154 0 0
ISHARES TR MSCI USA MMENTM 46432F396   485,813 2,396 SH   SOLE   2,396 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   605,675 3,378 SH   SOLE   3,378 0 0
ISHARES TR NATIONAL MUN ETF 464288414   2,822,207 25,980 SH   SOLE   25,980 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   9,856,975 26,259 SH   SOLE   26,259 0 0
ISHARES TR RUS MD CP GR ETF 464287481   394,681 3,365 SH   SOLE   3,365 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,895,530 13,589 SH   SOLE   13,589 0 0
ISHARES TR SELECT DIVID ETF 464287168   9,304,071 68,883 SH   SOLE   68,883 0 0
ISHARES TR SHORT TREAS BD 464288679   22,770,180 205,823 SH   SOLE   205,823 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,327,375 12,500 SH   SOLE   12,500 0 0
JOHNSON & JOHNSON COM 478160104   1,349,798 8,329 SH   SOLE   8,329 0 0
JPMORGAN CHASE & CO. COM 46625H100   378,494 1,795 SH   SOLE   1,795 0 0
LOCKHEED MARTIN CORP COM 539830109   292,280 500 SH   SOLE   500 0 0
MEDTRONIC PLC SHS G5960L103   244,702 2,718 SH   SOLE   2,718 0 0
MERCK & CO INC COM 58933Y105   508,976 4,482 SH   SOLE   4,482 0 0
MICROSOFT CORP COM 594918104   2,696,619 6,267 SH   SOLE   6,267 0 0
MONDELEZ INTL INC CL A 609207105   252,541 3,428 SH   SOLE   3,428 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   402,325 4,869 SH   SOLE   4,869 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   517,593 12,082 SH   SOLE   12,082 0 0
PALO ALTO NETWORKS INC COM 697435105   225,588 660 SH   SOLE   660 0 0
PEPSICO INC COM 713448108   397,067 2,335 SH   SOLE   2,335 0 0
PHILIP MORRIS INTL INC COM 718172109   1,456,679 11,999 SH   SOLE   11,999 0 0
PROCTER AND GAMBLE CO COM 742718109   701,633 4,051 SH   SOLE   4,051 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   278,910 6,783 SH   SOLE   6,783 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   255,063 6,620 SH   SOLE   6,620 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   251,512 5,135 SH   SOLE   5,135 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,609,927 42,706 SH   SOLE   42,706 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   379,944 3,647 SH   SOLE   3,647 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,264,547 42,225 SH   SOLE   42,225 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   284,937 1,850 SH   SOLE   1,850 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   523,537 2,319 SH   SOLE   2,319 0 0
SOUTHERN CO COM 842587107   922,451 10,229 SH   SOLE   10,229 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,732,775 7,129 SH   SOLE   7,129 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,285,517 3,983 SH   SOLE   3,983 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   358,243 3,902 SH   SOLE   3,902 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   646,490 6,611 SH   SOLE   6,611 0 0
SPDR SER TR S&P 500 ESG ETF 78468R531   290,956 5,218 SH   SOLE   5,218 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,537,708 2,630 SH   SOLE   2,630 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   515,512 12,946 SH   SOLE   12,946 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,824,848 48,805 SH   SOLE   48,805 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,998,841 26,591 SH   SOLE   26,591 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   9,034,975 114,817 SH   SOLE   114,817 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   19,134,078 254,887 SH   SOLE   254,887 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   332,200 6,607 SH   SOLE   6,607 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   90,286,667 235,332 SH   SOLE   235,332 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   541,851 2,058 SH   SOLE   2,058 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,894,398 11,888 SH   SOLE   11,888 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,167,406 18,891 SH   SOLE   18,891 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   4,326,046 16,397 SH   SOLE   16,397 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,309,119 54,522 SH   SOLE   54,522 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,825,183 16,725 SH   SOLE   16,725 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,473,281 32,275 SH   SOLE   32,275 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,902,372 24,882 SH   SOLE   24,882 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   203,260 760 SH   SOLE   760 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,055,103 10,789 SH   SOLE   10,789 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   17,560,439 100,979 SH   SOLE   100,979 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,359,162 21,574 SH   SOLE   21,574 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,697,148 56,367 SH   SOLE   56,367 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   909,725 12,795 SH   SOLE   12,795 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   460,034 5,869 SH   SOLE   5,869 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,125,084 103,936 SH   SOLE   103,936 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,804,587 35,301 SH   SOLE   35,301 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   16,833,872 201,001 SH   SOLE   201,001 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,751,878 83,121 SH   SOLE   83,121 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,948,674 66,904 SH   SOLE   66,904 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   25,164,838 316,904 SH   SOLE   316,904 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   331,546 3,435 SH   SOLE   3,435 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   11,134,250 56,217 SH   SOLE   56,217 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   34,643,254 535,419 SH   SOLE   535,419 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,510,102 28,595 SH   SOLE   28,595 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   785,954 11,842 SH   SOLE   11,842 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   55,126,224 430,002 SH   SOLE   430,002 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884   1,489,220 10,243 SH   SOLE   10,243 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   1,607,631 4,722 SH   SOLE   4,722 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   4,845,141 78,770 SH   SOLE   78,770 0 0
VANGUARD WORLD FD ESG US CORP BD 921910691   206,452 3,182 SH   SOLE   3,182 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   4,130,096 40,640 SH   SOLE   40,640 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405   452,829 4,120 SH   SOLE   4,120 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   7,858,988 27,849 SH   SOLE   27,849 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   22,048,575 37,629 SH   SOLE   37,629 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   901,460 2,800 SH   SOLE   2,800 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876   753,893 4,331 SH   SOLE   4,331 0 0
WALMART INC COM 931142103   1,632,846 20,221 SH   SOLE   20,221 0 0