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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,037 8,132 SH   SOLE 0 0 0 8,132
ISHARES TR ESG MSCI USA ETF 46436E767 283 9,045 SH   SOLE 0 0 0 9,045
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,875 5,015 SH   SOLE 0 0 0 5,015
PROSHARES TR ULTSHRT QQQ 74347B243 249 35,000 SH   SOLE 0 0 0 35,000
ABBOTT LABS COM 002824100 261 2,385 SH   SOLE 0 0 0 2,385
READY CAPITAL CORP COM 75574U101 202 16,218 SH   SOLE 0 0 0 16,218
ISHARES TR COHEN STEER REIT 464287564 255 4,724 SH   SOLE 0 0 0 4,724
AMAZON COM INC COM 023135106 300 92 SH   SOLE 0 0 0 92
XCEL ENERGY INC COM 98389B100 204 3,065 SH   SOLE 0 0 0 3,065
ISHARES TR MSCI USA QLT FCT 46432F339 770 6,629 SH   SOLE 0 0 0 6,629
APPLE INC COM 037833100 1,089 8,206 SH   SOLE 0 0 0 8,206
ISHARES TR MSCI USA MIN VOL 46429B697 4,416 65,050 SH   SOLE 0 0 0 65,050
ISHARES TR U.S. MED DVC ETF 464288810 6,007 18,354 SH   SOLE 0 0 0 18,354
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,413 83,297 SH   SOLE 0 0 0 83,297
ISHARES TR MSCI USA VALUE 46432F388 6,547 75,326 SH   SOLE 0 0 0 75,326
ISHARES TR MSCI KLD400 SOC 464288570 372 5,194 SH   SOLE 0 0 0 5,194
ISHARES INC ESG AWR MSCI EM 46434G863 11,114 264,744 SH   SOLE 0 0 0 264,744
ISHARES TR RUS 2000 GRW ETF 464287648 220 766 SH   SOLE 0 0 0 766
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,281 14,082 SH   SOLE 0 0 0 14,082
ISHARES TR US TREAS BD ETF 46429B267 11,703 429,619 SH   SOLE 0 0 0 429,619
CISCO SYS INC COM 17275R102 205 4,572 SH   SOLE 0 0 0 4,572
ISHARES TR ESG ADV TTL USD 46436E619 713 14,087 SH   SOLE 0 0 0 14,087
ISHARES TR CORE S&P SCP ETF 464287804 2,953 32,129 SH   SOLE 0 0 0 32,129
EXXON MOBIL CORP COM 30231G102 210 5,093 SH   SOLE 0 0 0 5,093
ANALOG DEVICES INC COM 032654105 962 6,513 SH   SOLE 0 0 0 6,513
QUANTA SVCS INC COM 74762E102 353 4,900 SH   SOLE 0 0 0 4,900
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 786 19,980 SH   SOLE 0 0 0 19,980
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 973 4,195 SH   SOLE 0 0 0 4,195
ISHARES TR IBOXX INV CP ETF 464287242 16,793 121,576 SH   SOLE 0 0 0 121,576
ISHARES TR RUS 1000 VAL ETF 464287598 1,186 8,677 SH   SOLE 0 0 0 8,677
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 617 17,135 SH   SOLE 0 0 0 17,135
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 805 6,267 SH   SOLE 0 0 0 6,267
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,063 12,055 SH   SOLE 0 0 0 12,055
ISHARES TR ESG EAFE ETF 46436E759 203 3,218 SH   SOLE 0 0 0 3,218
VANGUARD INDEX FDS SMALL CP ETF 922908751 476 2,443 SH   SOLE 0 0 0 2,443
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,126 8,659 SH   SOLE 0 0 0 8,659
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,925 45,606 SH   SOLE 0 0 0 45,606
VANGUARD INDEX FDS TOTAL STK MKT 922908769 603 3,100 SH   SOLE 0 0 0 3,100
HOME DEPOT INC COM 437076102 519 1,956 SH   SOLE 0 0 0 1,956
ISHARES TR ESG AWR MSCI USA 46435G425 55,627 646,600 SH   SOLE 0 0 0 646,600
ISHARES TR CORE US AGGBD ET 464287226 9,579 81,048 SH   SOLE 0 0 0 81,048
INVESCO QQQ TR UNIT SER 1 46090E103 514 1,637 SH   SOLE 0 0 0 1,637
WELLS FARGO CO NEW COM 949746101 420 13,902 SH   SOLE 0 0 0 13,902
WISDOMTREE TR INTL QULTY DIV 97717X131 6,816 186,701 SH   SOLE 0 0 0 186,701
UNITEDHEALTH GROUP INC COM 91324P102 209 595 SH   SOLE 0 0 0 595
VANGUARD WORLD FD MEGA GRWTH IND 921910816 27,832 136,599 SH   SOLE 0 0 0 136,599
ISHARES TR RUS 1000 ETF 464287622 1,654 7,806 SH   SOLE 0 0 0 7,806
ISHARES TR MSCI ACWI ETF 464288257 782 8,625 SH   SOLE 0 0 0 8,625
ISHARES TR RUS 1000 GRW ETF 464287614 2,977 12,347 SH   SOLE 0 0 0 12,347
ISHARES TR CORE S&P MCP ETF 464287507 697 3,032 SH   SOLE 0 0 0 3,032
MICROSOFT CORP COM 594918104 1,912 8,595 SH   SOLE 0 0 0 8,595
ISHARES TR CORE MSCI EAFE 46432F842 3,482 50,399 SH   SOLE 0 0 0 50,399
ISHARES TR RUSSELL 2000 ETF 464287655 1,020 5,204 SH   SOLE 0 0 0 5,204
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 10,556 116,065 SH   SOLE 0 0 0 116,065
ADOBE SYSTEMS INCORPORATED COM 00724F101 400 800 SH   SOLE 0 0 0 800
ISHARES TR ESG AWRE USD ETF 46435G193 426 15,041 SH   SOLE 0 0 0 15,041
GLOBAL X FDS THMATC GWT ETF 37954Y418 2,961 67,699 SH   SOLE 0 0 0 67,699
ISHARES TR MBS ETF 464288588 5,759 52,296 SH   SOLE 0 0 0 52,296
ISHARES TR MSCI GLOBAL IMP 46435G532 339 3,632 SH   SOLE 0 0 0 3,632
ISHARES TR 20 YR TR BD ETF 464287432 1,281 8,122 SH   SOLE 0 0 0 8,122
ISHARES TR RUS MD CP GR ETF 464287481 775 7,554 SH   SOLE 0 0 0 7,554
ISHARES TR ISHS 1-5YR INVS 464288646 8,531 154,626 SH   SOLE 0 0 0 154,626
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 320 6,643 SH   SOLE 0 0 0 6,643
SPDR SER TR PRTFLO S&P500 VL 78464A508 267 7,768 SH   SOLE 0 0 0 7,768
ISHARES TR GLOBAL TECH ETF 464287291 11,859 39,524 SH   SOLE 0 0 0 39,524
ISHARES TR CORE S&P500 ETF 464287200 30,435 81,077 SH   SOLE 0 0 0 81,077
ISHARES TR EAFE GRWTH ETF 464288885 10,761 106,640 SH   SOLE 0 0 0 106,640
THERMO FISHER SCIENTIFIC INC COM 883556102 460 987 SH   SOLE 0 0 0 987
JOHNSON & JOHNSON COM 478160104 623 3,959 SH   SOLE 0 0 0 3,959
DELL TECHNOLOGIES INC CL C 24703L202 303 4,129 SH   SOLE 0 0 0 4,129
ISHARES TR 0-5YR HI YL CP 46434V407 5,710 125,666 SH   SOLE 0 0 0 125,666
ISHARES INC MSCI GBL MIN VOL 464286525 2,446 25,244 SH   SOLE 0 0 0 25,244
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,696 39,538 SH   SOLE 0 0 0 39,538