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
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 171,570 2,674,925 SH   SOLE   2,629,320 0 45,605
ISHARES TR NATIONAL MUN ETF 464288414 75,806 646,809 SH   SOLE   634,357 0 12,452
PGIM ETF TR ULTRA SHORT 69344A107 55,068 1,116,158 SH   SOLE   1,078,813 0 37,345
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 28,665 315,177 SH   SOLE   315,177 0 0
ISHARES TR CORE S&P500 ETF 464287200 22,336 59,502 SH   SOLE   58,245 0 1,257
VANGUARD WORLD FD ESG US STK ETF 921910733 18,106 258,032 SH   SOLE   257,843 0 189
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 18,085 85,279 SH   SOLE   84,367 0 912
VANGUARD WORLD FD ESG INTL STK ETF 921910725 11,886 200,545 SH   SOLE   200,396 0 149
ISHARES TR MSCI USA QLT FCT 46432F339 10,956 94,281 SH   SOLE   93,515 0 766
ISHARES TR CORE MSCI EAFE 46432F842 9,174 132,782 SH   SOLE   132,782 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,147 102,779 SH   SOLE   102,779 0 0
ISHARES TR MSCI INTL MULTFT 46434V274 8,874 326,498 SH   SOLE   323,547 0 2,951
ISHARES INC CORE MSCI EMKT 46434G103 8,225 132,575 SH   SOLE   132,575 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,314 203,108 SH   SOLE   198,798 0 4,310
ISHARES TR CORE US AGGBD ET 464287226 5,607 47,442 SH   SOLE   42,125 0 5,317
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 4,236 25,251 SH   SOLE   24,378 0 873
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,023 131,242 SH   SOLE   126,901 0 4,341
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,688 53,649 SH   SOLE   53,649 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,566 30,824 SH   SOLE   27,296 0 3,528
APPLE INC COM 037833100 1,483 11,175 SH   SOLE   11,175 0 0
MICROSOFT CORP COM 594918104 1,289 5,796 SH   SOLE   5,796 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,032 4,074 SH   SOLE   4,074 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 682 1,623 SH   SOLE   1,623 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 622 1,811 SH   SOLE   1,704 0 107
SPDR GOLD TR GOLD SHS 78463V107 582 3,264 SH   SOLE   3,264 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 511 2,120 SH   SOLE   2,120 0 0
AMAZON COM INC COM 023135106 498 153 SH   SOLE   153 0 0
FIRSTSERVICE CORP NEW COM 33767E202 450 3,290 SH   SOLE   3,290 0 0
AVIENT CORPORATION COM 05368V106 425 10,557 SH   SOLE   10,557 0 0
PROSHARES TR SHORT S&P 500 NE 74347B425 367 20,420 SH   SOLE   20,420 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 332 6,420 SH   SOLE   6,420 0 0
UNITEDHEALTH GROUP INC COM 91324P102 316 902 SH   SOLE   902 0 0
ISHARES TR CORE S&P SCP ETF 464287804 315 3,431 SH   SOLE   3,431 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 303 1,556 SH   SOLE   1,556 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 302 2,138 SH   SOLE   2,138 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 291 3,201 SH   SOLE   3,201 0 0
MASTERCARD INCORPORATED CL A 57636Q104 286 801 SH   SOLE   801 0 0
EXACT SCIENCES CORP COM 30063P105 278 2,100 SH   SOLE   2,100 0 0
FACEBOOK INC CL A 30303M102 273 1,000 SH   SOLE   1,000 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 271 1,981 SH   SOLE   1,981 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 267 1,289 SH   SOLE   1,289 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 263 2,875 SH   SOLE   2,875 0 0
PEPSICO INC COM 713448108 262 1,769 SH   SOLE   1,769 0 0
ECOLAB INC COM 278865100 260 1,200 SH   SOLE   1,200 0 0
PROGRESSIVE CORP COM 743315103 253 2,558 SH   SOLE   2,558 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 240 4,291 SH   SOLE   0 0 4,291
ISHARES TR ESG AWRE 1 5 YR 46435G243 231 8,828 SH   SOLE   8,828 0 0
JOHNSON & JOHNSON COM 478160104 212 1,344 SH   SOLE   1,344 0 0
ILLINOIS TOOL WKS INC COM 452308109 204 1,000 SH   SOLE   1,000 0 0