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
ADOBE INC COM 00724F101 BBG001S5NCQ5 268,470 450 SH   SOLE   0 0 450
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,846,003 13,215 SH   SOLE   0 0 13,215
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,223,272 8,680 SH   SOLE   0 0 8,680
APPLE INC COM 037833100 BBG001S5N8V8 891,980 4,633 SH   SOLE   0 0 4,633
BNY MELLON ETF TRUST CORE BOND ETF 09661T602 BBG00RYR57H4 454,643 10,700 SH   SOLE   0 0 10,700
CAPITAL GROUP DIVIDEND GROWE SHS ETF 14021L109 BBG01J9W2L17 888,648 32,719 SH   SOLE   0 0 32,719
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 BBG015H8BXT5 1,830,749 61,352 SH   SOLE   0 0 61,352
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 BBG014YZRRT5 473,308 20,855 SH   SOLE   0 0 20,855
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201 BBG019XRCM29 10,324,638 381,264 SH   SOLE   0 0 381,264
CAPITAL GRP FIXED INCM ETF T SHORT DURATION M 14020Y607 BBG01J5S8NT0 556,357 21,535 SH   SOLE   0 0 21,535
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 BBG019XS8NR3 1,373,643 50,894 SH   SOLE   0 0 50,894
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 412,322 9,403 SH   SOLE   0 0 9,403
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 208,258 2,083 SH   SOLE   0 0 2,083
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 839,912 10,368 SH   SOLE   0 0 10,368
INNOVATOR ETFS TR EMERGING MKT PWR 45782C623 BBG012S334Q7 627,392 26,517 SH   SOLE   0 0 26,517
INNOVATOR ETFS TR EMRGNG MKT APRIL 45782C359 BBG00SXJPRZ5 202,537 8,053 SH   SOLE   0 0 8,053
INNOVATOR ETFS TR EMRGNG MKT JAN 45782C516 BBG00R878QK8 755,082 26,337 SH   SOLE   0 0 26,337
INNOVATOR ETFS TR EMRGNG MKT JULY 45782C714 BBG00PLZ0MN9 1,119,046 47,357 SH   SOLE   0 0 47,357
INNOVATOR ETFS TR GRWT100 PWR BF 45782C466 BBG00R879TP6 211,035 5,062 SH   SOLE   0 0 5,062
INNOVATOR ETFS TR GRWT100 PWR BF 45782C334 BBG00SXJYPC4 694,817 15,620 SH   SOLE   0 0 15,620
INNOVATOR ETFS TR GRWT100 PWR BUF 45782C615 BBG00QFP06T5 1,844,420 40,271 SH   SOLE   0 0 40,271
INNOVATOR ETFS TR GRWT100 PWR BUF 45782C276 BBG00VSHC6L3 716,087 12,995 SH   SOLE   0 0 12,995
INNOVATOR ETFS TR INTERNATIONAL DV 45782C631 BBG012S32N86 621,553 22,246 SH   SOLE   0 0 22,246
INNOVATOR ETFS TR INTRNL DEV APRL 45782C367 BBG00SXJN914 385,307 14,975 SH   SOLE   0 0 14,975
INNOVATOR ETFS TR INTRNL DEV JAN 45782C524 BBG00R877XM2 579,715 19,069 SH   SOLE   0 0 19,069
INNOVATOR ETFS TR INTRNL DEV JULY 45782C722 BBG00PLYT1X6 490,498 18,085 SH   SOLE   0 0 18,085
INNOVATOR ETFS TR QUITY MANAGD FLR 45783Y673 BBG01B90HFN7 1,063,410 38,910 SH   SOLE   0 0 38,910
INNOVATOR ETFS TR US EQT PWR BUF 45782C870 BBG00NR9QB16 1,056,018 32,304 SH   SOLE   0 0 32,304
INNOVATOR ETFS TR US EQTY PWR BF 45782C680 BBG00PVP39R2 2,203,822 66,042 SH   SOLE   0 0 66,042
INNOVATOR ETFS TR US EQTY PWR BUF 45782C383 BBG00S1NDLX9 382,737 10,745 SH   SOLE   0 0 10,745
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748 BBG00PBD6H63 362,173 10,850 SH   SOLE   0 0 10,850
INNOVATOR ETFS TR US EQTY PWR BUF 45782C417 BBG00RHZ5CR3 335,871 10,287 SH   SOLE   0 0 10,287
INNOVATOR ETFS TR US EQTY PWR BUF 45782C573 BBG00QPZ1F93 3,305,172 95,969 SH   SOLE   0 0 95,969
INNOVATOR ETFS TR US EQTY PWR BUF 45782C813 BBG00LNDTJL3 1,795,748 49,620 SH   SOLE   0 0 49,620
INNOVATOR ETFS TR US EQTY PWR BUF 45782C656 BBG00Q4028Q9 2,902,000 83,481 SH   SOLE   0 0 83,481
INNOVATOR ETFS TR US EQTY PWR BUF 45782C797 BBG00M4NZTF8 3,641,727 100,823 SH   SOLE   0 0 100,823
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318 BBG00TGM5Q16 1,858,852 59,059 SH   SOLE   0 0 59,059
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540 BBG00QYND1G0 2,277,534 64,887 SH   SOLE   0 0 64,887
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 BBG00MYXKL20 421,110 11,308 SH   SOLE   0 0 11,308
INNOVATOR ETFS TR US SML CP PWR B 45782C284 BBG00VSHFQQ1 1,167,066 43,093 SH   SOLE   0 0 43,093
INNOVATOR ETFS TR US SML CP PWR B 45782C599 BBG00QFNSZH9 220,435 8,010 SH   SOLE   0 0 8,010
INNOVATOR ETFS TR US SML CP PWR ET 45782C342 BBG00SXJYJL8 893,294 30,621 SH   SOLE   0 0 30,621
INTERCONTINENTAL EXCHANGE IN COM 45866F104 BBG001SDJ4R0 1,256,944 9,787 SH   SOLE   0 0 9,787
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 554,752 15,760 SH   SOLE   0 0 15,760
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 303,292 1,922 SH   SOLE   0 0 1,922
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 2,573,003 9,284 SH   SOLE   0 0 9,284
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,068,851 19,112 SH   SOLE   0 0 19,112
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 4,324,288 9,054 SH   SOLE   0 0 9,054
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,221,249 12,610 SH   SOLE   0 0 12,610
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 335,081 4,447 SH   SOLE   0 0 4,447
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 9,048,190 61,494 SH   SOLE   0 0 61,494
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 593,978 5,479 SH   SOLE   0 0 5,479
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 395,679 3,753 SH   SOLE   0 0 3,753
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 592,733 11,800 SH   SOLE   0 0 11,800
PACER FDS TR US CASH COWS 100 69374H881 BBG00FJQN752 998,572 19,207 SH   SOLE   0 0 19,207
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 1,071,954 17,306 SH   SOLE   0 0 17,306
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 1,612,530 33,282 SH   SOLE   0 0 33,282
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 2,505,009 32,904 SH   SOLE   0 0 32,904
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 18,594,245 329,685 SH   SOLE   0 0 329,685
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 9,207,056 122,239 SH   SOLE   0 0 122,239
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,313,658 27,808 SH   SOLE   0 0 27,808
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 7,718,300 104,939 SH   SOLE   0 0 104,939
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 233,543 4,731 SH   SOLE   0 0 4,731
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 365,906 1,177 SH   SOLE   0 0 1,177
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 207,705 2,351 SH   SOLE   0 0 2,351
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 735,655 3,101 SH   SOLE   0 0 3,101
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 954,146 11,739 SH   SOLE   0 0 11,739
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 481,474 6,223 SH   SOLE   0 0 6,223
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 366,266 6,319 SH   SOLE   0 0 6,319
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,450,121 134,658 SH   SOLE   0 0 134,658