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
Amazon.com Inc COM 023135106 3,298 1,066 SH   SOLE NONE 1,066 0 0
Amgen Inc COM 031162100 360 1,445 SH   SOLE NONE 1,445 0 0
Berkshire Hathaway Inc Class B CL B NEW 084670702 405 1,586 SH   SOLE NONE 1,586 0 0
Chevron Corp COM 166764100 227 2,170 SH   SOLE NONE 2,170 0 0
Cisco Systems COM 17275R102 407 7,880 SH   SOLE NONE 7,880 0 0
CME Group Inc COM 12572Q105 385 1,885 SH   SOLE NONE 1,885 0 0
Crown Castle International Corp COM 22822V101 355 2,060 SH   SOLE NONE 2,060 0 0
Deere & Co COM 244199105 209 558 SH   SOLE NONE 558 0 0
Duke Energy Corporation COM NEW 26441C204 459 4,750 SH   SOLE NONE 4,750 0 0
Eaton Corporation PLC SHS G29183103 475 3,435 SH   SOLE NONE 3,435 0 0
Ecolab, Inc COM 278865100 741 3,461 SH   SOLE NONE 3,461 0 0
Emerson Electric Co COM 291011104 478 5,300 SH   SOLE NONE 5,300 0 0
Energy Select Sector SPDR ETF ENERGY 81369Y506 266 5,415 SH   SOLE NONE 5,415 0 0
Expedia, Inc. COM NEW 30212P303 275 1,600 SH   SOLE NONE 1,600 0 0
Exxon Mobil Corporation COM 30231G102 259 4,640 SH   SOLE NONE 4,640 0 0
Garmin, Ltd. SHS H2906T109 579 4,395 SH   SOLE NONE 4,395 0 0
Goodyear Tire & Rubber Co COM 382550101 251 14,277 SH   SOLE NONE 14,277 0 0
Home Depot Inc COM 437076102 388 1,270 SH   SOLE NONE 1,270 0 0
Intel Corp COM 458140100 278 4,350 SH   SOLE NONE 4,350 0 0
Interpublic Group of Companies, Inc COM 460690100 603 20,635 SH   SOLE NONE 20,635 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 289 4,015 SH   SOLE NONE 4,015 0 0
iShares Core S&P 500 CORE S&P500 ETF 464287200 1,559 3,920 SH   SOLE NONE 3,920 0 0
iShares Global Green Bond ETF GBL GREEN ETF 46435U440 200 3,665 SH   SOLE NONE 3,665 0 0
iShares MSCI EAFE ESG Optimized ETF ESG AW MSCI EAFE 46435G516 824 10,852 SH   SOLE NONE 10,852 0 0
iShares MSCI EM ESG Optimized ETF ESG AWR MSCI EM 46434G863 210 4,847 SH   SOLE NONE 4,847 0 0
iShares MSCI Emerging Markets Small-Cap EM MKT SM-CP ETF 464286475 7,322 127,357 SH   SOLE NONE 127,357 0 0
iShares National AMT-Free Muni Bond ETF NATIONAL MUN ETF 464288414 1,346 11,599 SH   SOLE NONE 11,599 0 0
Johnson & Johnson COM 478160104 395 2,405 SH   SOLE NONE 2,405 0 0
JPMorgan Chase & Co COM 46625H100 528 3,470 SH   SOLE NONE 3,470 0 0
Leggett & Platt Inc COM 524660107 341 7,470 SH   SOLE NONE 7,470 0 0
Lockheed Martin Corporation COM 539830109 342 925 SH   SOLE NONE 925 0 0
Marriott International, Inc. Class A CL A 571903202 291 1,964 SH   SOLE NONE 1,964 0 0
McDonald's Corporation COM 580135101 362 1,615 SH   SOLE NONE 1,615 0 0
Merck & Co Inc New COM 58933Y105 345 4,480 SH   SOLE NONE 4,480 0 0
MGM Resorts International COM 552953101 304 8,000 SH   SOLE NONE 8,000 0 0
Monaker Group Inc Com New COM NEW 609011200 49 14,669 SH   SOLE NONE 14,669 0 0
Morgan Stanley COM NEW 617446448 603 7,770 SH   SOLE NONE 7,770 0 0
Norwegian Cruise Line Holdings Ltd SHS G66721104 302 10,940 SH   SOLE NONE 10,940 0 0
Occidental Petroleum Corporation COM 674599105 267 10,025 SH   SOLE NONE 10,025 0 0
PepsiCo Inc COM 713448108 356 2,515 SH   SOLE NONE 2,515 0 0
Pfizer Inc COM 717081103 370 10,200 SH   SOLE NONE 10,200 0 0
PIMCO Enhanced Short Maturity Strategy ENHAN SHRT MA AC 72201R833 59,786 586,654 SH   SOLE NONE 586,654 0 0
PowerShares DB Commodity ETF UNIT 46138B103 507 30,531 SH   SOLE NONE 30,531 0 0
Public Storage COM 74460D109 386 1,565 SH   SOLE NONE 1,565 0 0
Royal Caribbean Cruises Ltd COM V7780T103 274 3,200 SH   SOLE NONE 3,200 0 0
Schwab Intermediate-Term US Trs ETF INTRM TRM TRES 808524854 328 5,817 SH   SOLE NONE 5,817 0 0
Schwab International Small-Cap Eq ETF INTL SCEQT ETF 808524888 17,726 449,668 SH   SOLE NONE 449,668 0 0
SPDR Barclays Capital International Treasury Bond ETF BLOMBERG INTL TR 78464A516 378 12,976 SH   SOLE NONE 12,976 0 0
SPDR Nuveen Blmbg Barclays Muni Bd ETF NUVEEN BRC MUNIC 78468R721 500 9,688 SH   SOLE NONE 9,688 0 0
Stellantis NV SHS N82405106 227 12,750 SH   SOLE NONE 12,750 0 0
Sysco Corporation COM 871829107 484 6,145 SH   SOLE NONE 6,145 0 0
Texas Instruments Inc COM 882508104 462 2,445 SH   SOLE NONE 2,445 0 0
Vanguard FTSE All-World ex-U.S ETF ALLWRLD EX US 922042775 517 8,528 SH   SOLE NONE 8,528 0 0
Vanguard FTSE All-World ex-U.S Small Cap ETF FTSE SMCAP ETF 922042718 264 2,058 SH   SOLE NONE 2,058 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 65,802 1,339,886 SH   SOLE NONE 1,339,886 0 0
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 16,124 309,779 SH   SOLE NONE 309,779 0 0
Vanguard Information Technology ETF INF TECH ETF 92204A702 2,302 6,421 SH   SOLE NONE 6,421 0 0
Vanguard Large-Cap ETF LARGE CAP ETF 922908637 144,586 780,278 SH   SOLE NONE 780,278 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629 1,112 5,026 SH   SOLE NONE 5,026 0 0
Vanguard REIT ETF REAL ESTATE ETF 922908553 13,624 148,314 SH   SOLE NONE 148,314 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 2,259 6,201 SH   SOLE NONE 6,201 0 0
Vanguard Small-Cap Index Fund ETF SMALL CP ETF 922908751 28,049 131,020 SH   SOLE NONE 131,020 0 0
Vanguard Tax-Exempt Bond ETF TAX EXEMPT BD 922907746 3,274 59,915 SH   SOLE NONE 59,915 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 39,905 193,065 SH   SOLE NONE 193,065 0 0
Verizon Communications COM 92343V104 260 4,475 SH   SOLE NONE 4,475 0 0
Visa, Inc COM CL A 92826C839 2,541 12,000 SH   SOLE NONE 12,000 0 0
Whirlpool Corporation COM 963320106 429 1,945 SH   SOLE NONE 1,945 0 0