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
APPLE INC COM 037833100   205,776 977 SH   SOLE   0 0 977
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   299,016 11,763 SH   SOLE   0 0 11,763
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   479,847 10,680 SH   SOLE   0 0 10,680
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396   3,147,929 40,291 SH   SOLE   0 0 40,291
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   4,159,882 197,713 SH   SOLE   0 0 197,713
INVESCO QQQ TR UNIT SER 1 46090E103   665,995 1,390 SH   SOLE   0 0 1,390
ISHARES INC CORE MSCI EMKT 46434G103   550,923 10,292 SH   SOLE   0 0 10,292
ISHARES INC ESG AWR MSCI EM 46434G863   422,401 12,598 SH   SOLE   0 0 12,598
ISHARES INC MSCI EMRG CHN 46434G764   392,437 6,629 SH   SOLE   0 0 6,629
ISHARES TR 3 7 YR TREAS BD 464288661   2,305,842 19,969 SH   SOLE   0 0 19,969
ISHARES TR CORE HIGH DV ETF 46429B663   871,916 8,021 SH   SOLE   0 0 8,021
ISHARES TR CORE MSCI TOTAL 46432F834   1,380,149 20,428 SH   SOLE   0 0 20,428
ISHARES TR CORE S&P MCP ETF 464287507   72,301,731 1,235,505 SH   SOLE   0 0 1,235,505
ISHARES TR CORE S&P SCP ETF 464287804   51,912,946 486,714 SH   SOLE   0 0 486,714
ISHARES TR CORE S&P TTL STK 464287150   2,173,111 18,295 SH   SOLE   0 0 18,295
ISHARES TR CORE S&P500 ETF 464287200   3,280,212 5,994 SH   SOLE   0 0 5,994
ISHARES TR CORE US AGGBD ET 464287226   1,418,679 14,615 SH   SOLE   0 0 14,615
ISHARES TR EAFE GRWTH ETF 464288885   713,543 6,975 SH   SOLE   0 0 6,975
ISHARES TR EAFE VALUE ETF 464288877   1,273,809 24,016 SH   SOLE   0 0 24,016
ISHARES TR ESG AW MSCI EAFE 46435G516   494,063 6,271 SH   SOLE   0 0 6,271
ISHARES TR ESG AWARE MSCI 46435U663   1,670,164 43,381 SH   SOLE   0 0 43,381
ISHARES TR ESG AWR MSCI USA 46435G425   274,436 2,300 SH   SOLE   0 0 2,300
ISHARES TR ESG SCRD S&P MID 46436E551   974,697 24,632 SH   SOLE   0 0 24,632
ISHARES TR GL CLEAN ENE ETF 464288224   232,350 17,444 SH   SOLE   0 0 17,444
ISHARES TR GLB INFRASTR ETF 464288372   3,748,255 78,219 SH   SOLE   0 0 78,219
ISHARES TR GRWT ALLOCAT ETF 464289867   786,566 13,966 SH   SOLE   0 0 13,966
ISHARES TR ISHS 1-5YR INVS 464288646   1,730,375 33,770 SH   SOLE   0 0 33,770
ISHARES TR JPMORGAN USD EMG 464288281   1,751,354 19,794 SH   SOLE   0 0 19,794
ISHARES TR MRGSTR MD CP GRW 464288307   223,304 3,296 SH   SOLE   0 0 3,296
ISHARES TR MRGSTR MD CP VAL 464288406   525,817 7,486 SH   SOLE   0 0 7,486
ISHARES TR MSCI ACWI EX US 464288240   3,611,556 67,976 SH   SOLE   0 0 67,976
ISHARES TR MSCI EAFE ETF 464287465   460,894 5,884 SH   SOLE   0 0 5,884
ISHARES TR MSCI KLD400 SOC 464288570   1,806,850 17,399 SH   SOLE   0 0 17,399
ISHARES TR MSCI USA ESG SLC 464288802   488,038 4,343 SH   SOLE   0 0 4,343
ISHARES TR MSCI USA MIN VOL 46429B697   386,049 4,598 SH   SOLE   0 0 4,598
ISHARES TR NATIONAL MUN ETF 464288414   334,567 3,140 SH   SOLE   0 0 3,140
ISHARES TR RUS 1000 ETF 464287622   2,203,582 7,406 SH   SOLE   0 0 7,406
ISHARES TR RUS 1000 GRW ETF 464287614   10,657,918 29,239 SH   SOLE   0 0 29,239
ISHARES TR RUS 1000 VAL ETF 464287598   4,110,346 23,559 SH   SOLE   0 0 23,559
ISHARES TR RUS 2000 GRW ETF 464287648   311,383 1,186 SH   SOLE   0 0 1,186
ISHARES TR RUS 2000 VAL ETF 464287630   488,274 3,206 SH   SOLE   0 0 3,206
ISHARES TR RUS MD CP GR ETF 464287481   1,839,858 16,673 SH   SOLE   0 0 16,673
ISHARES TR RUS MDCP VAL ETF 464287473   3,114,801 25,798 SH   SOLE   0 0 25,798
ISHARES TR RUSSELL 2000 ETF 464287655   467,256 2,303 SH   SOLE   0 0 2,303
ISHARES TR S&P 500 GRWT ETF 464287309   514,668 5,562 SH   SOLE   0 0 5,562
ISHARES TR S&P 500 VAL ETF 464287408   228,397 1,255 SH   SOLE   0 0 1,255
ISHARES TR S&P MC 400GR ETF 464287606   268,648 3,049 SH   SOLE   0 0 3,049
ISHARES TR S&P MC 400VL ETF 464287705   352,302 3,105 SH   SOLE   0 0 3,105
ISHARES TR SP SMCP600VL ETF 464287879   430,615 4,427 SH   SOLE   0 0 4,427
ISHARES TR TIPS BD ETF 464287176   3,780,226 35,402 SH   SOLE   0 0 35,402
ISHARES TR U.S. REAL ES ETF 464287739   249,182 2,840 SH   SOLE   0 0 2,840
ISHARES TR US REGNL BKS ETF 464288778   405,247 9,774 SH   SOLE   0 0 9,774
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   256,973 5,453 SH   SOLE   0 0 5,453
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,585,061 31,406 SH   SOLE   0 0 31,406
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   620,460 12,227 SH   SOLE   0 0 12,227
JOHNSON & JOHNSON COM 478160104   268,934 1,840 SH   SOLE   0 0 1,840
MICROSOFT CORP COM 594918104   235,543 527 SH   SOLE   0 0 527
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   647,251 7,975 SH   SOLE   0 0 7,975
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   711,662 18,832 SH   SOLE   0 0 18,832
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   274,515 6,978 SH   SOLE   0 0 6,978
NVIDIA CORPORATION COM 67066G104   321,204 2,600 SH   SOLE   0 0 2,600
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   268,228 10,099 SH   SOLE   0 0 10,099
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   823,453 12,294 SH   SOLE   0 0 12,294
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   246,273 6,410 SH   SOLE   0 0 6,410
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   425,456 6,767 SH   SOLE   0 0 6,767
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   833,266 10,716 SH   SOLE   0 0 10,716
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   13,836,023 137,208 SH   SOLE   0 0 137,208
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   20,282,194 273,788 SH   SOLE   0 0 273,788
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   538,306,718 8,378,315 SH   SOLE   0 0 8,378,315
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   21,250,518 273,038 SH   SOLE   0 0 273,038
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   16,135,427 340,051 SH   SOLE   0 0 340,051
SCHWAB STRATEGIC TR US TIPS ETF 808524870   13,294,212 255,609 SH   SOLE   0 0 255,609
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   293,348 750 SH   SOLE   0 0 750
SPDR GOLD TR GOLD SHS 78463V107   347,027 1,614 SH   SOLE   0 0 1,614
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   729,578 25,771 SH   SOLE   0 0 25,771
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855   483,380 8,845 SH   SOLE   0 0 8,845
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,669,611 6,743 SH   SOLE   0 0 6,743
SPDR SER TR NUVEEN BLMBRG MU 78468R721   6,784,899 148,304 SH   SOLE   0 0 148,304
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,811,157 21,546 SH   SOLE   0 0 21,546
SPDR SER TR S&P 400 MDCP VAL 78464A839   5,828,928 79,914 SH   SOLE   0 0 79,914
SPDR SER TR S&P 600 SMCP GRW 78464A201   2,100,726 24,467 SH   SOLE   0 0 24,467
SPDR SER TR S&P 600 SMCP VAL 78464A300   12,356,235 157,786 SH   SOLE   0 0 157,786
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   758,150 10,523 SH   SOLE   0 0 10,523
VANGUARD INDEX FDS GROWTH ETF 922908736   63,243,448 169,096 SH   SOLE   0 0 169,096
VANGUARD INDEX FDS LARGE CAP ETF 922908637   28,066,104 112,435 SH   SOLE   0 0 112,435
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   7,993,651 34,822 SH   SOLE   0 0 34,822
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   16,302,182 108,371 SH   SOLE   0 0 108,371
VANGUARD INDEX FDS MID CAP ETF 922908629   8,168,871 33,742 SH   SOLE   0 0 33,742
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   10,618,642 126,775 SH   SOLE   0 0 126,775
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   29,081,549 58,148 SH   SOLE   0 0 58,148
VANGUARD INDEX FDS SM CP VAL ETF 922908611   7,718,295 42,287 SH   SOLE   0 0 42,287
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,596,438 21,081 SH   SOLE   0 0 21,081
VANGUARD INDEX FDS SML CP GRW ETF 922908595   15,392,773 61,539 SH   SOLE   0 0 61,539
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,446,824 16,623 SH   SOLE   0 0 16,623
VANGUARD INDEX FDS VALUE ETF 922908744   55,686,856 347,153 SH   SOLE   0 0 347,153
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   28,830,563 491,654 SH   SOLE   0 0 491,654
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,312,563 235,662 SH   SOLE   0 0 235,662
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   397,188 5,841 SH   SOLE   0 0 5,841
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   343,742 1,883 SH   SOLE   0 0 1,883
VANGUARD STAR FDS VG TL INTL STK F 921909768   436,228 7,234 SH   SOLE   0 0 7,234
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   314,550 5,000 SH   SOLE   0 0 5,000