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
MCDONALDS CORP COM 580135101 4 20 SH   SOLE   20 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 658 7,399 SH   OTR 45 0 0 7,399
UNITEDHEALTH GROUP INC COM 91324P102 383 1,300 SH Put OTR 45 0 0 1,300
3M CO COM 88579Y101 595 3,816 SH   OTR 45 0 0 3,816
VISA INC COM CL A 92826C839 612 3,170 SH   OTR 5 0 0 3,170
ISHARES TR MSCI EAFE ETF 464287465 2,056 33,777 SH   SOLE   33,777 0 0
EXXON MOBIL CORP COM 30231G102 121 2,700 SH Put OTR 45 0 0 2,700
ADOBE INC COM 00724F101 395 908 SH   OTR 5 0 0 908
NIKE INC CL B 654106103 213 2,175 SH   OTR 5 0 0 2,175
MASTERCARD INCORPORATED CL A 57636Q104 16 54 SH   SOLE   54 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 209 3,386 SH   OTR 5 0 0 3,386
ISHARES TR ESG AWRE USD ETF 46435G193 957 34,635 SH   SOLE   34,635 0 0
ISHARES INC ESG MSCI EM ETF 46434G863 463 14,423 SH   SOLE   14,423 0 0
ISHARES TR INTL DEV RE ETF 464288489 8,583 370,457 SH   SOLE   370,457 0 0
JOHNSON & JOHNSON COM 478160104 429 3,050 SH   OTR 5 0 0 3,050
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 215 2,907 SH   SOLE   2,907 0 0
ISHARES TR CRE U S REIT ETF 464288521 8,220 189,051 SH   SOLE   189,051 0 0
WISDOMTREE TR US SMALLCAP DIVD 97717W604 437 20,622 SH   SOLE   20,622 0 0
MICROSOFT CORP COM 594918104 21 102 SH   SOLE   102 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,152 10,360 SH   OTR 45 0 0 10,360
COCA COLA CO COM 191216100 239 5,343 SH   OTR 5 0 0 5,343
VANGUARD WORLD FD ESG US STK ETF 921910733 1,114 19,752 SH   SOLE   19,752 0 0
CISCO SYS INC COM 17275R102 260 5,576 SH   OTR 5 0 0 5,576
HONEYWELL INTL INC COM 438516106 314 2,169 SH   OTR 5 0 0 2,169
INVESCO QQQ TR UNIT SER 1 46090E103 13 54 SH   OTR 5 0 0 54
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4 21 SH   SOLE   21 0 0
MICROSOFT CORP COM 594918104 3,449 16,949 SH   OTR 45 0 0 16,949
COMCAST CORP NEW CL A 20030N101 3 89 SH   SOLE   89 0 0
UNITEDHEALTH GROUP INC COM 91324P102 784 2,657 SH   OTR 45 0 0 2,657
INTEL CORP COM 458140100 427 7,130 SH   OTR 5 0 0 7,130
PFIZER INC COM 717081103 193 5,891 SH   OTR 45 0 0 5,891
THERMO FISHER SCIENTIFIC INC COM 883556102 406 1,121 SH   OTR 5 0 0 1,121
AMAZON COM INC COM 023135106 11 4 SH   SOLE   4 0 0
CVS HEALTH CORP COM 126650100 197 3,032 SH   OTR 5 0 0 3,032
NETFLIX INC COM 64110L106 360 792 SH   OTR 5 0 0 792
WISDOMTREE TR EMG MKTS SMCAP 97717W281 396 10,154 SH   SOLE   10,154 0 0
COCA COLA CO COM 191216100 11 251 SH   SOLE   251 0 0
NVIDIA CORPORATION COM 67066G104 428 1,127 SH   OTR 5 0 0 1,127
AMGEN INC COM 031162100 258 1,092 SH   OTR 5 0 0 1,092
ISHARES TR SHORT TREAS BD 464288679 85,258 769,891 SH   SOLE   769,891 0 0
ISHARES TR CORE US AGGBD ET 464287226 14,015 118,562 SH   SOLE   118,562 0 0
INTUIT COM 461202103 201 680 SH   OTR 5 0 0 680
WISDOMTREE TR 90/60 BALNCED FD 97717Y790 158,733 5,192,448 SH   SOLE   5,192,448 0 0
ISHARES TR NATIONAL MUN ETF 464288414 5,313 46,042 SH   SOLE   46,042 0 0
PFIZER INC COM 717081103 7 205 SH   SOLE   205 0 0
PEPSICO INC COM 713448108 350 2,644 SH   OTR 5 0 0 2,644
MERCK & CO. INC COM 58933Y105 11 140 SH   SOLE   140 0 0
EXXON MOBIL CORP COM 30231G102 379 8,479 SH   OTR 45 0 0 8,479
JOHNSON & JOHNSON COM 478160104 3 18 SH   SOLE   18 0 0
AT&T INC COM 00206R102 12 383 SH   SOLE   383 0 0
WELLS FARGO CO NEW COM 949746101 216 8,457 SH   OTR 5 0 0 8,457
CVS HEALTH CORP COM 126650100 3 41 SH   SOLE   41 0 0
AT&T INC COM 00206R102 381 12,606 SH   OTR 5 0 0 12,606
APPLE INC COM 037833100 1,021 2,800 SH Put OTR 45 0 0 2,800
PROCTER AND GAMBLE CO COM 742718109 500 4,181 SH   OTR 5 0 0 4,181
INTEL CORP COM 458140100 11 191 SH   SOLE   191 0 0
PEPSICO INC COM 713448108 5 35 SH   SOLE   35 0 0
ALPHABET INC CAP STK CL A 02079K305 805 568 SH   OTR 5 0 0 568
MCDONALDS CORP COM 580135101 247 1,340 SH   OTR 5 0 0 1,340
TEXAS INSTRS INC COM 882508104 203 1,599 SH   OTR 5 0 0 1,599
COSTCO WHSL CORP NEW COM 22160K105 205 675 SH   OTR 5 0 0 675
STARBUCKS CORP COM 855244109 214 2,913 SH   OTR 5 0 0 2,913
VANGUARD WORLD FD ESG INTL STK ETF 921910725 418 8,684 SH   SOLE   8,684 0 0
COSTCO WHSL CORP NEW COM 22160K105 15 49 SH   SOLE   49 0 0
DISNEY WALT CO COM DISNEY 254687106 380 3,409 SH   OTR 5 0 0 3,409
PROCTER AND GAMBLE CO COM 742718109 43 358 SH   SOLE   358 0 0
DISNEY WALT CO COM DISNEY 254687106 8 70 SH   SOLE   70 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 435 2,436 SH   OTR 5 0 0 2,436
JPMORGAN CHASE & CO COM 46625H100 533 5,663 SH   OTR 5 0 0 5,663
MASTERCARD INCORPORATED CL A 57636Q104 509 1,721 SH   OTR 5 0 0 1,721
ISHARES TR CORE S&P500 ETF 464287200 63,225 204,156 SH   SOLE   204,156 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 207 3,525 SH   OTR 5 0 0 3,525
ISHARES TR RUSSELL 3000 ETF 464287689 1,709 9,490 SH   SOLE   9,490 0 0
ISHARES TR ESG MSCI USA ETF 46435G425 1,219 17,423 SH   SOLE   17,423 0 0
ALPHABET INC CAP STK CL C 02079K107 536 379 SH   OTR 5 0 0 379
VERIZON COMMUNICATIONS INC COM 92343V104 11 196 SH   SOLE   196 0 0
ADOBE INC COM 00724F101 11 25 SH   SOLE   25 0 0
WALMART INC COM 931142103 5 40 SH   SOLE   40 0 0
ISHARES TR EAFE SML CP ETF 464288273 15,126 282,094 SH   SOLE   282,094 0 0
WALMART INC COM 931142103 266 2,224 SH   OTR 5 0 0 2,224
ISHARES TR MSCI GLOBAL IMP 46435G532 437 6,414 SH   SOLE   6,414 0 0
HOME DEPOT INC COM 437076102 523 2,088 SH   OTR 5 0 0 2,088
LILLY ELI & CO COM 532457108 281 1,713 SH   OTR 5 0 0 1,713
LOWES COS INC COM 548661107 207 1,530 SH   OTR 5 0 0 1,530
APPLE INC COM 037833100 4,091 11,215 SH   OTR 45 0 0 11,215
SPDR S&P 500 ETF TR TR UNIT 78462F103 396 1,283 SH   SOLE   1,283 0 0
MERCK & CO. INC COM 58933Y105 287 3,708 SH   OTR 5 0 0 3,708
FACEBOOK INC CL A 30303M102 4 19 SH   SOLE   19 0 0
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 6,305 347,548 SH   SOLE   347,548 0 0
HOME DEPOT INC COM 437076102 11 42 SH   SOLE   42 0 0
MICROSOFT CORP COM 594918104 875 4,300 SH Put OTR 45 0 0 4,300
VERIZON COMMUNICATIONS INC COM 92343V104 345 6,251 SH   OTR 5 0 0 6,251
ISHARES TR RUSSELL 2000 ETF 464287655 17,920 125,154 SH   SOLE   125,154 0 0
ISHARES TR RUS 1000 ETF 464287622 96,371 561,339 SH   SOLE   561,339 0 0
UNITEDHEALTH GROUP INC COM 91324P102 10 34 SH   SOLE   34 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 56,968 1,424,550 SH   SOLE   1,424,550 0 0
ISHARES TR ESG MSCI EAFE 46435G516 297 4,909 SH   SOLE   4,909 0 0
ALPHABET INC CAP STK CL A 02079K305 10 7 SH   SOLE   7 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 194 783 SH   SOLE   783 0 0
AMERICAN TOWER CORP NEW COM 03027X100 263 1,017 SH   OTR 5 0 0 1,017
FACEBOOK INC CL A 30303M102 1,182 5,205 SH   OTR 5 0 0 5,205
COMCAST CORP NEW CL A 20030N101 286 7,329 SH   OTR 5 0 0 7,329
ISHARES TR ESG MSCI USA SML 46435U663 213 8,488 SH   SOLE   8,488 0 0
UNION PAC CORP COM 907818108 227 1,341 SH   OTR 5 0 0 1,341
BK OF AMERICA CORP COM 060505104 307 12,924 SH   OTR 5 0 0 12,924
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,891 48,098 SH   SOLE   48,098 0 0
ABBVIE INC COM 00287Y109 314 3,201 SH   OTR 5 0 0 3,201
ISHARES TR BARCLAYS 7 10 YR 464287440 26,175 214,779 SH   SOLE   214,779 0 0
MONDELEZ INTL INC CL A 609207105 202 3,946 SH   OTR 5 0 0 3,946
CHEVRON CORP NEW COM 166764100 229 2,565 SH   OTR 5 0 0 2,565
ISHARES TR MICRO-CAP ETF 464288869 18,896 216,528 SH   SOLE   216,528 0 0
ORACLE CORP COM 68389X105 271 4,907 SH   OTR 5 0 0 4,907
APPLE INC COM 037833100 21 57 SH   SOLE   57 0 0
PAYPAL HLDGS INC COM 70450Y103 365 2,097 SH   OTR 5 0 0 2,097
TESLA INC COM 88160R101 215 199 SH   OTR 5 0 0 199
JPMORGAN CHASE & CO COM 46625H100 6 59 SH   SOLE   59 0 0
CISCO SYS INC COM 17275R102 7 148 SH   SOLE   148 0 0
AMAZON COM INC COM 023135106 1,970 714 SH   OTR 5 0 0 714
SPDR SER TR SPDR BLOOMBERG 78468R663 388 4,237 SH   SOLE   4,237 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 14 38 SH   SOLE   38 0 0
ABBOTT LABS COM 002824100 270 2,958 SH   OTR 5 0 0 2,958
ISHARES TR CORE MSCI EAFE 46432F842 51,067 893,402 SH   SOLE   893,402 0 0