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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   223,515 1,685 SH   SOLE 0 0 0 1,685
ADOBE INC COM 00724F101   291,099 759 SH   SOLE 0 0 0 759
ALPHABET INC CAP STK CL A 02079K305   313,301 2,026 SH   SOLE 0 0 0 2,026
ALPHABET INC CAP STK CL C 02079K107   223,565 1,431 SH   SOLE 0 0 0 1,431
AMERICAN EXPRESS CO COM 025816109   387,483 1,440 SH   SOLE 0 0 0 1,440
AMPHENOL CORP NEW CL A 032095101   364,025 5,550 SH   SOLE 0 0 0 5,550
ANALOG DEVICES INC COM 032654105   1,100,312 5,456 SH   SOLE 0 0 0 5,456
APPLE INC COM 037833100   1,074,372 4,837 SH   SOLE 0 0 0 4,837
AUTOMATIC DATA PROCESSING IN COM 053015103   254,533 833 SH   SOLE 0 0 0 833
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,959,894 3,680 SH   SOLE 0 0 0 3,680
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   3,696,497 60,993 SH   SOLE 0 0 0 60,993
BLACKROCK ETF TRUST WORLD EX US CARB 09290C608   754,385 16,332 SH   SOLE 0 0 0 16,332
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806   2,149,216 67,820 SH   SOLE 0 0 0 67,820
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   41,496,802 851,042 SH   SOLE 0 0 0 851,042
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   14,336,704 273,706 SH   SOLE 0 0 0 273,706
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   376,695 5,904 SH   SOLE 0 0 0 5,904
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300   2,213,769 81,090 SH   SOLE 0 0 0 81,090
CDW CORP COM 12514G108   201,767 1,259 SH   SOLE 0 0 0 1,259
CHEVRON CORP NEW COM 166764100   256,900 1,536 SH   SOLE 0 0 0 1,536
CISCO SYS INC COM 17275R102   210,151 3,405 SH   SOLE 0 0 0 3,405
CME GROUP INC COM 12572Q105   217,273 819 SH   SOLE 0 0 0 819
COSTCO WHSL CORP NEW COM 22160K105   446,091 472 SH   SOLE 0 0 0 472
DBX ETF TR XTRACK MSCI EAFE 233051200   384,591 8,882 SH   SOLE 0 0 0 8,882
DELL TECHNOLOGIES INC CL C 24703L202   250,754 2,751 SH   SOLE 0 0 0 2,751
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   351,219 5,807 SH   SOLE 0 0 0 5,807
EXXON MOBIL CORP COM 30231G102   408,149 3,432 SH   SOLE 0 0 0 3,432
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404   532,198 17,883 SH   SOLE 0 0 0 17,883
GLOBAL X FDS US INFR DEV ETF 37954Y673   1,211,091 32,099 SH   SOLE 0 0 0 32,099
GLOBAL X FDS DEFENSE TECH ETF 37960A529   4,125,820 88,632 SH   SOLE 0 0 0 88,632
GLOBAL X FDS S&P 500 QLT ETF 37954Y616   434,996 12,383 SH   SOLE 0 0 0 12,383
HOME DEPOT INC COM 437076102   607,036 1,656 SH   SOLE 0 0 0 1,656
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   2,464,859 12,770 SH   SOLE 0 0 0 12,770
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,640,356 9,469 SH   SOLE 0 0 0 9,469
INVESCO QQQ TR UNIT SER 1 46090E103   699,923 1,493 SH   SOLE 0 0 0 1,493
ISHARES GOLD TR ISHARES NEW 464285204   8,158,472 138,373 SH   SOLE 0 0 0 138,373
ISHARES INC MSCI EMRG CHN 46434G764   8,259,038 149,919 SH   SOLE 0 0 0 149,919
ISHARES INC MSCI EQUAL WEITE 464286681   1,028,180 10,986 SH   SOLE 0 0 0 10,986
ISHARES INC CORE MSCI EMKT 46434G103   8,503,459 157,559 SH   SOLE 0 0 0 157,559
ISHARES INC ESG AWR MSCI EM 46434G863   1,003,970 28,726 SH   SOLE 0 0 0 28,726
ISHARES TR CORE S&P SCP ETF 464287804   1,506,331 14,405 SH   SOLE 0 0 0 14,405
ISHARES TR US TREAS BD ETF 46429B267   2,662,722 115,846 SH   SOLE 0 0 0 115,846
ISHARES TR S&P 100 ETF 464287101   9,465,779 34,951 SH   SOLE 0 0 0 34,951
ISHARES TR ESG ADV TTL USD 46436E619   1,189,125 27,450 SH   SOLE 0 0 0 27,450
ISHARES TR RUS 1000 VAL ETF 464287598   1,033,140 5,491 SH   SOLE 0 0 0 5,491
ISHARES TR CONV BD ETF 46435G102   518,466 6,201 SH   SOLE 0 0 0 6,201
ISHARES TR CORE S&P TTL STK 464287150   302,951 2,483 SH   SOLE 0 0 0 2,483
ISHARES TR ESG EAFE ETF 46436E759   1,207,324 17,929 SH   SOLE 0 0 0 17,929
ISHARES TR CORE DIV GRWTH 46434V621   460,508 7,454 SH   SOLE 0 0 0 7,454
ISHARES TR NATIONAL MUN ETF 464288414   2,089,594 19,818 SH   SOLE 0 0 0 19,818
ISHARES TR HDG MSCI EAFE 46434V803   3,350,511 92,326 SH   SOLE 0 0 0 92,326
ISHARES TR ESG MSCI USA ETF 46436E767   3,184,579 68,236 SH   SOLE 0 0 0 68,236
ISHARES TR U.S. TECH ETF 464287721   9,383,403 66,814 SH   SOLE 0 0 0 66,814
ISHARES TR JPMORGAN USD EMG 464288281   4,468,893 49,331 SH   SOLE 0 0 0 49,331
ISHARES TR ESG AWR US AGRGT 46435U549   3,125,796 65,834 SH   SOLE 0 0 0 65,834
ISHARES TR CORE TOTAL USD 46434V613   67,295,671 1,460,410 SH   SOLE 0 0 0 1,460,410
ISHARES TR HIGH YLD SYSTM B 46435G250   1,054,628 22,396 SH   SOLE 0 0 0 22,396
ISHARES TR 10-20 YR TRS ETF 464288653   10,222,384 98,529 SH   SOLE 0 0 0 98,529
ISHARES TR MSCI USA QLT FCT 46432F339   51,897,445 303,689 SH   SOLE 0 0 0 303,689
ISHARES TR ESG AWRE USD ETF 46435G193   2,973,724 128,956 SH   SOLE 0 0 0 128,956
ISHARES TR MBS ETF 464288588   16,142,965 172,137 SH   SOLE 0 0 0 172,137
ISHARES TR MSCI EAFE ETF 464287465   3,141,485 38,437 SH   SOLE 0 0 0 38,437
ISHARES TR 20 YR TR BD ETF 464287432   5,147,029 56,542 SH   SOLE 0 0 0 56,542
ISHARES TR EAFE VALUE ETF 464288877   19,769,488 335,417 SH   SOLE 0 0 0 335,417
ISHARES TR RUS MD CP GR ETF 464287481   599,551 5,103 SH   SOLE 0 0 0 5,103
ISHARES TR GLOBAL TECH ETF 464287291   2,059,068 27,186 SH   SOLE 0 0 0 27,186
ISHARES TR US INFRASTRUC 46435U713   450,655 9,999 SH   SOLE 0 0 0 9,999
ISHARES TR EAFE GRWTH ETF 464288885   14,608,087 146,081 SH   SOLE 0 0 0 146,081
ISHARES TR MSCI USA MMENTM 46432F396   7,539,986 37,303 SH   SOLE 0 0 0 37,303
ISHARES TR CORE S&P500 ETF 464287200   74,093,416 131,862 SH   SOLE 0 0 0 131,862
ISHARES TR S&P 500 GRWT ETF 464287309   30,299,760 326,401 SH   SOLE 0 0 0 326,401
ISHARES TR RUS 1000 ETF 464287622   1,570,640 5,120 SH   SOLE 0 0 0 5,120
ISHARES TR MSCI ACWI ETF 464288257   3,739,843 32,132 SH   SOLE 0 0 0 32,132
ISHARES TR CORE US AGGBD ET 464287226   3,945,622 39,887 SH   SOLE 0 0 0 39,887
ISHARES TR ESG AWR MSCI USA 46435G425   15,190,024 124,600 SH   SOLE 0 0 0 124,600
ISHARES TR ESG MSCI KLD 400 464288570   2,560,537 25,003 SH   SOLE 0 0 0 25,003
ISHARES TR MSCI EMG MKT ETF 464287234   506,177 11,583 SH   SOLE 0 0 0 11,583
ISHARES TR CORE S&P MCP ETF 464287507   656,314 11,248 SH   SOLE 0 0 0 11,248
ISHARES TR RUS 1000 GRW ETF 464287614   2,851,045 7,896 SH   SOLE 0 0 0 7,896
ISHARES TR RUSSELL 2000 ETF 464287655   896,429 4,494 SH   SOLE 0 0 0 4,494
ISHARES TR CORE MSCI EAFE 46432F842   449,739 5,945 SH   SOLE 0 0 0 5,945
ISHARES TR U.S. UTILITS ETF 464287697   1,570,380 15,484 SH   SOLE 0 0 0 15,484
ISHARES TR S&P 500 VAL ETF 464287408   23,646,621 124,077 SH   SOLE 0 0 0 124,077
ISHARES U S ETF TR SHORT MATURITY M 46431W838   705,885 14,050 SH   SOLE 0 0 0 14,050
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   11,921,234 258,539 SH   SOLE 0 0 0 258,539
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   293,757 5,202 SH   SOLE 0 0 0 5,202
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   1,421,895 26,970 SH   SOLE 0 0 0 26,970
J P MORGAN EXCHANGE TRADED F USD EMRNG MKT 46641Q746   858,880 22,280 SH   SOLE 0 0 0 22,280
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   617,475 12,177 SH   SOLE 0 0 0 12,177
JOHNSON & JOHNSON COM 478160104   250,677 1,512 SH   SOLE 0 0 0 1,512
JPMORGAN CHASE & CO. COM 46625H100   459,851 1,875 SH   SOLE 0 0 0 1,875
KRANESHARES TRUST MSCI EMG EX CH 500767769   1,264,449 45,357 SH   SOLE 0 0 0 45,357
LINCOLN ELEC HLDGS INC COM 533900106   1,686,172 8,914 SH   SOLE 0 0 0 8,914
LOWES COS INC COM 548661107   215,271 923 SH   SOLE 0 0 0 923
MICROSOFT CORP COM 594918104   2,441,476 6,504 SH   SOLE 0 0 0 6,504
MOODYS CORP COM 615369105   250,541 538 SH   SOLE 0 0 0 538
PACER FDS TR GLOBL CASH ETF 69374H709   937,524 25,352 SH   SOLE 0 0 0 25,352
PROCTER AND GAMBLE CO COM 742718109   264,321 1,551 SH   SOLE 0 0 0 1,551
QUANTA SVCS INC COM 74762E102   725,938 2,856 SH   SOLE 0 0 0 2,856
READY CAPITAL CORP COM 75574U101   82,550 16,218 SH   SOLE 0 0 0 16,218
RTX CORPORATION COM 75513E101   495,640 3,742 SH   SOLE 0 0 0 3,742
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   219,241 9,357 SH   SOLE 0 0 0 9,357
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,861,825 365,157 SH   SOLE 0 0 0 365,157
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   395,438 15,792 SH   SOLE 0 0 0 15,792
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   678,103 24,253 SH   SOLE 0 0 0 24,253
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,539,889 160,321 SH   SOLE 0 0 0 160,321
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,326,454 50,628 SH   SOLE 0 0 0 50,628
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   390,610 7,842 SH   SOLE 0 0 0 7,842
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   321,860 1,630 SH   SOLE 0 0 0 1,630
SELECT SECTOR SPDR TR INDL 81369Y704   321,122 2,450 SH   SOLE 0 0 0 2,450
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   362,689 2,484 SH   SOLE 0 0 0 2,484
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,803,265 13,576 SH   SOLE 0 0 0 13,576
SELECT SECTOR SPDR TR ENERGY 81369Y506   265,589 2,842 SH   SOLE 0 0 0 2,842
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   239,375 2,931 SH   SOLE 0 0 0 2,931
SPDR GOLD TR GOLD SHS 78463V107   4,163,335 14,449 SH   SOLE 0 0 0 14,449
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   497,121 16,806 SH   SOLE 0 0 0 16,806
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4,179,395 114,787 SH   SOLE 0 0 0 114,787
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   7,144,828 181,479 SH   SOLE 0 0 0 181,479
SPDR S&P 500 ETF TR TR UNIT 78462F103   16,828,427 30,084 SH   SOLE 0 0 0 30,084
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,355,216 40,771 SH   SOLE 0 0 0 40,771
SPDR SER TR PORT MTG BK ETF 78464A383   3,269,426 148,273 SH   SOLE 0 0 0 148,273
SPDR SER TR BLOOMBERG ENHNCD 78468R440   3,654,949 131,900 SH   SOLE 0 0 0 131,900
SPDR SER TR S&P1500MOMTILT 78468R705   917,712 3,809 SH   SOLE 0 0 0 3,809
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,963,659 77,612 SH   SOLE 0 0 0 77,612
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   1,642,674 85,601 SH   SOLE 0 0 0 85,601
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   3,119,530 34,008 SH   SOLE 0 0 0 34,008
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,658,861 57,968 SH   SOLE 0 0 0 57,968
SPDR SER TR PORTFOLIO S&P600 78468R853   5,252,941 128,875 SH   SOLE 0 0 0 128,875
SPDR SER TR BLOOMBERG EMERGI 78464A391   1,280,978 63,825 SH   SOLE 0 0 0 63,825
SPDR SER TR PORTFOLIO AGRGTE 78464A649   640,467 25,077 SH   SOLE 0 0 0 25,077
SPDR SER TR BLOOMBERG EMG MK 78468R515   2,462,051 101,900 SH   SOLE 0 0 0 101,900
SPDR SER TR PORTFOLIO S&P400 78464A847   3,206,857 62,658 SH   SOLE 0 0 0 62,658
SPDR SER TR MSCI USA STRTGIC 78468R812   7,318,709 46,708 SH   SOLE 0 0 0 46,708
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   9,697,495 240,692 SH   SOLE 0 0 0 240,692
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408   8,174,657 161,014 SH   SOLE 0 0 0 161,014
SSGA ACTIVE TR SPDR BLACKSTONE 78470P846   8,057,585 286,543 SH   SOLE 0 0 0 286,543
STRYKER CORPORATION COM 863667101   225,211 605 SH   SOLE 0 0 0 605
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   4,981,902 154,334 SH   SOLE 0 0 0 154,334
THERMO FISHER SCIENTIFIC INC COM 883556102   285,125 573 SH   SOLE 0 0 0 573
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   11,383,382 22,151 SH   SOLE 0 0 0 22,151
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,674,875 6,094 SH   SOLE 0 0 0 6,094
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,212,627 27,707 SH   SOLE 0 0 0 27,707
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,662,216 58,821 SH   SOLE 0 0 0 58,821
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   293,555 4,942 SH   SOLE 0 0 0 4,942
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   223,281 3,876 SH   SOLE 0 0 0 3,876
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   201,772 3,970 SH   SOLE 0 0 0 3,970
VANGUARD WORLD FD MEGA GRWTH IND 921910816   3,463,320 11,213 SH   SOLE 0 0 0 11,213
VANGUARD WORLD FD EXTENDED DUR 921910709   1,617,539 22,747 SH   SOLE 0 0 0 22,747
VERISK ANALYTICS INC COM 92345Y106   273,810 920 SH   SOLE 0 0 0 920
WISDOMTREE TR INTL QULTY DIV 97717X131   1,998,872 56,022 SH   SOLE 0 0 0 56,022