Harbor 13F-HR Quarterly holdings report by institutional manager

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

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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
ISHARES TR	CORE S&P MCP ETF	464287507	29,476	109,686	SH		SOLE	0	0	0	109,686
ISHARES TR	CORE S&P SCP ETF	464287804	17,968	159,033	SH		SOLE	0	0	0	159,033
ISHARES TR	CORE S&P500 ETF	464287200	6,906	16,064	SH		SOLE	0	0	0	16,064
ISHARES TR	S&P 500 GRWT ETF	464287309	251	3,457	SH		SOLE	0	0	0	3,457
ISHARES TR	RUS 1000 GRW ETF	464287614	383	1,410	SH		SOLE	0	0	0	1,410
SPDR S&P 500 ETF TR	TR UNIT	78462F103	589	1,377	SH		SOLE	0	0	0	1,377
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	579	2,082	SH		SOLE	0	0	0	2,082
INVESCO QQQ TR	UNIT SER 1	46090E103	536	1,511	SH		SOLE	0	0	0	1,511
JOHNSON & JOHNSON	COM	478160104	268	1,628	SH		SOLE	0	0	0	1,628
MICROSOFT CORP	COM	594918104	307	1,132	SH		SOLE	0	0	0	1,132
AT&T INC	COM	00206R102	725	25,193	SH		SOLE	0	0	0	25,193
CISCO SYS INC	COM	17275R102	218	4,116	SH		SOLE	0	0	0	4,116
VERIZON COMMUNICATIONS INC	COM	92343V104	478	8,534	SH		SOLE	0	0	0	8,534
SPDR SER TR	PRTFLO S&P500 GW	78464A409	5,720	90,844	SH		SOLE	0	0	0	90,844
ANALOG DEVICES INC	COM	032654105	1,047	6,081	SH		SOLE	0	0	0	6,081
EXXON MOBIL CORP	COM	30231G102	313	4,966	SH		SOLE	0	0	0	4,966
ANTHEM INC	COM	036752103	359	941	SH		SOLE	0	0	0	941
JPMORGAN CHASE & CO	COM	46625H100	576	3,703	SH		SOLE	0	0	0	3,703
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	547	6,409	SH		SOLE	0	0	0	6,409
INTUIT	COM	461202103	651	1,329	SH		SOLE	0	0	0	1,329
COMCAST CORP NEW	CL A	20030N101	222	3,898	SH		SOLE	0	0	0	3,898
XILINX INC	COM	983919101	262	1,814	SH		SOLE	0	0	0	1,814
CSX CORP	COM	126408103	205	6,378	SH		SOLE	0	0	0	6,378
APPLE INC	COM	037833100	1,322	9,656	SH		SOLE	0	0	0	9,656
SPDR SER TR	PRTFLO S&P500 VL	78464A508	12,889	325,971	SH		SOLE	0	0	0	325,971
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	216	1,432	SH		SOLE	0	0	0	1,432
ECOLAB INC	COM	278865100	228	1,109	SH		SOLE	0	0	0	1,109
VANGUARD INDEX FDS	GROWTH ETF	922908736	1,438	5,014	SH		SOLE	0	0	0	5,014
MASTERCARD INCORPORATED	CL A	57636Q104	287	785	SH		SOLE	0	0	0	785
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	317	6,153	SH		SOLE	0	0	0	6,153
VISA INC	COM CL A	92826C839	842	3,602	SH		SOLE	0	0	0	3,602
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	6,638	63,843	SH		SOLE	0	0	0	63,843
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	3,213	30,837	SH		SOLE	0	0	0	30,837
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	19,451	133,261	SH		SOLE	0	0	0	133,261
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	9,241	135,166	SH		SOLE	0	0	0	135,166
INVESCO EXCHANGE TRADED FD T	S&P MDCP400 EQ	46137V225	213	2,317	SH		SOLE	0	0	0	2,317
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	15,380	196,498	SH		SOLE	0	0	0	196,498
SSGA ACTIVE ETF TR	MULT ASS RLRTN	78467V103	3,696	129,417	SH		SOLE	0	0	0	129,417
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	382	7,018	SH		SOLE	0	0	0	7,018
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	1,621	29,619	SH		SOLE	0	0	0	29,619
HERITAGE INSURANCE HLDGS INC	COM	42727J102	162	18,918	SH		SOLE	0	0	0	18,918
PAYPAL HLDGS INC	COM	70450Y103	938	3,218	SH		SOLE	0	0	0	3,218
J P MORGAN EXCHANGE-TRADED F	ULTRA SHT MUNCPL	46641Q654	302	5,923	SH		SOLE	0	0	0	5,923
T ROWE PRICE ETF INC	PRICE BLUE CHIP	87283Q107	3,847	121,663	SH		SOLE	0	0	0	121,663
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	702	15,666	SH		SOLE	0	0	0	15,666