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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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 NATIONAL MUN ETF 464288414 519 4,476 SH   SOLE   0 0 4,476
SPDR SER TR PORTFOLIO INTRMD 78464A375 8,880 241,559 SH   SOLE   0 0 241,559
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 614 7,071 SH   SOLE   0 0 7,071
MASTERCARD INCORPORATED CL A 57636Q104 566 1,703 SH   SOLE   0 0 1,703
ISHARES TR SHRT NAT MUN ETF 464288158 283 2,620 SH   SOLE   0 0 2,620
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 3,471 36,104 SH   SOLE   0 0 36,104
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 249 5,620 SH   SOLE   0 0 5,620
QUALCOMM INC COM 747525103 411 2,780 SH   SOLE   0 0 2,780
ISHARES TR MSCI USA QLT FCT 46432F339 857 7,716 SH   SOLE   0 0 7,716
AMAZON COM INC COM 023135106 304 97 SH   SOLE   0 0 97
ISHARES TR MSCI USA MIN VOL 46429B697 3,184 47,583 SH   SOLE   0 0 47,583
APPLE INC COM 037833100 523 4,373 SH   SOLE   0 0 4,373
LOWES COS INC COM 548661107 235 1,490 SH   SOLE   0 0 1,490
ISHARES TR U.S. MED DVC ETF 464288810 3,133 9,829 SH   SOLE   0 0 9,829
ISHARES TR MSCI USA SZE FT 46432F370 3,764 36,439 SH   SOLE   0 0 36,439
ISHARES TR JPMORGAN USD EMG 464288281 345 3,040 SH   SOLE   0 0 3,040
ISHARES TR MSCI USA VALUE 46432F388 5,493 67,705 SH   SOLE   0 0 67,705
WISDOMTREE TR EM EX ST-OWNED 97717X578 7,654 210,494 SH   SOLE   0 0 210,494
ISHARES INC ESG AWR MSCI EM 46434G863 242 6,211 SH   SOLE   0 0 6,211
IQVIA HLDGS INC COM 46266C105 266 1,586 SH   SOLE   0 0 1,586
ISHARES TR US TREAS BD ETF 46429B267 15,887 577,901 SH   SOLE   0 0 577,901
SPDR SER TR PORTFOLIO LN TSR 78464A664 1,105 24,767 SH   SOLE   0 0 24,767
ISHARES TR BARCLAYS 7 10 YR 464287440 976 8,169 SH   SOLE   0 0 8,169
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 4,886 178,452 SH   SOLE   0 0 178,452
DTE ENERGY CO COM 233331107 330 2,539 SH   SOLE   0 0 2,539
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,254 23,719 SH   SOLE   0 0 23,719
VISA INC COM CL A 92826C839 206 969 SH   SOLE   0 0 969
ISHARES TR U.S. FIN SVC ETF 464287770 1,024 7,509 SH   SOLE   0 0 7,509
SPDR SER TR PORTFOLIO LN COR 78464A367 6,100 191,213 SH   SOLE   0 0 191,213
VANGUARD INDEX FDS MID CAP ETF 922908629 224 1,163 SH   SOLE   0 0 1,163
FACEBOOK INC CL A 30303M102 264 956 SH   SOLE   0 0 956
SPDR SER TR PORTFOLIO S&P500 78464A854 12,965 309,198 SH   SOLE   0 0 309,198
HOME DEPOT INC COM 437076102 240 863 SH   SOLE   0 0 863
VANGUARD WORLD FD MEGA CAP INDEX 921910873 512 4,047 SH   SOLE   0 0 4,047
ISHARES TR AGGRES ALLOC ETF 464289859 326 5,317 SH   SOLE   0 0 5,317
ISHARES TR ESG AWR MSCI USA 46435G425 20,717 254,753 SH   SOLE   0 0 254,753
ISHARES U S ETF TR SHT MAT MUN ETF 46431W838 598 11,922 SH   SOLE   0 0 11,922
VANGUARD WORLD FD MEGA GRWTH IND 921910816 584 3,032 SH   SOLE   0 0 3,032
ISHARES TR MSCI ACWI ETF 464288257 966 11,262 SH   SOLE   0 0 11,262
WP CAREY INC COM 92936U109 888 12,903 SH   SOLE   0 0 12,903
MICROSOFT CORP COM 594918104 305 1,410 SH   SOLE   0 0 1,410
ISHARES TR MBS ETF 464288588 1,983 18,028 SH   SOLE   0 0 18,028
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 1,243 24,787 SH   SOLE   0 0 24,787
SPDR SER TR BLOMBERG INTL TR 78464A516 423 14,067 SH   SOLE   0 0 14,067
ISHARES TR FALN ANGLS USD 46435G474 418 14,842 SH   SOLE   0 0 14,842
BOOKING HOLDINGS INC COM 09857L108 226 113 SH   SOLE   0 0 113
SPDR SER TR PRTFLO S&P500 GW 78464A409 266 5,052 SH   SOLE   0 0 5,052
ALPHABET INC CAP STK CL C 02079K107 694 396 SH   SOLE   0 0 396
ISHARES TR ISHS 1-5YR INVS 464288646 9,832 179,229 SH   SOLE   0 0 179,229
ISHARES TR BROAD USD HIGH 46435U853 737 18,274 SH   SOLE   0 0 18,274
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 201 4,284 SH   SOLE   0 0 4,284
ISHARES TR MSCI EAFE ETF 464287465 222 3,196 SH   SOLE   0 0 3,196
ISHARES TR EAFE GRWTH ETF 464288885 7,084 74,206 SH   SOLE   0 0 74,206
ASTRAZENECA PLC SPONSORED ADR 046353108 331 5,699 SH   SOLE   0 0 5,699
ISHARES TR 0-5YR HI YL CP 46434V407 5,492 122,803 SH   SOLE   0 0 122,803
VANGUARD INDEX FDS SM CP VAL ETF 922908611 231 1,806 SH   SOLE   0 0 1,806