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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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
VANGUARD WORLD FD MEGA GRWTH IND 921910816   30,750,113 107,289 SH   SOLE   0 0 107,289
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   22,522,754 128,503 SH   SOLE   0 0 128,503
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   21,967,706 374,556 SH   SOLE   0 0 374,556
VANGUARD INDEX FDS GROWTH ETF 922908736   14,085,534 40,923 SH   SOLE   0 0 40,923
ISHARES TR CORE US AGGBD ET 464287226   12,029,357 122,824 SH   SOLE   0 0 122,824
VANGUARD INDEX FDS SML CP GRW ETF 922908595   10,628,872 40,767 SH   SOLE   0 0 40,767
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,516,722 139,479 SH   SOLE   0 0 139,479
ISHARES TR CORE DIV GRWTH 46434V621   10,212,700 175,899 SH   SOLE   0 0 175,899
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   9,115,526 105,406 SH   SOLE   0 0 105,406
ISHARES TR BROAD USD HIGH 46435U853   8,884,307 242,807 SH   SOLE   0 0 242,807
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   8,341,416 169,575 SH   SOLE   0 0 169,575
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,244,277 31,721 SH   SOLE   0 0 31,721
SCHWAB STRATEGIC TR US TIPS ETF 808524870   6,816,343 130,681 SH   SOLE   0 0 130,681
ISHARES TR CORE MSCI TOTAL 46432F834   6,425,117 94,682 SH   SOLE   0 0 94,682
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   6,180,850 146,779 SH   SOLE   0 0 146,779
ISHARES TR CORE S&P MCP ETF 464287507   4,532,860 74,627 SH   SOLE   0 0 74,627
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,464,187 88,981 SH   SOLE   0 0 88,981
ISHARES TR RUS 1000 VAL ETF 464287598   4,090,210 22,836 SH   SOLE   0 0 22,836
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,594,566 14,992 SH   SOLE   0 0 14,992
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,357,547 73,614 SH   SOLE   0 0 73,614
ISHARES TR CORE TOTAL USD 46434V613   2,757,429 60,483 SH   SOLE   0 0 60,483
ISHARES TR CORE HIGH DV ETF 46429B663   2,733,221 24,800 SH   SOLE   0 0 24,800
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,668,853 34,810 SH   SOLE   0 0 34,810
INVESCO QQQ TR UNIT SER 1 46090E103   2,444,263 5,505 SH   SOLE   0 0 5,505
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,368,819 12,972 SH   SOLE   0 0 12,972
ISHARES TR CORE INTL AGGR 46435G672   2,268,380 45,413 SH   SOLE   0 0 45,413
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,136,807 23,046 SH   SOLE   0 0 23,046
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,067,980 28,473 SH   SOLE   0 0 28,473
APPLE INC COM 037833100   1,719,966 10,030 SH   SOLE   0 0 10,030
ISHARES TR NATIONAL MUN ETF 464288414   1,678,485 15,599 SH   SOLE   0 0 15,599
ISHARES TR CORE MSCI INTL 46435G326   1,621,310 24,152 SH   SOLE   0 0 24,152
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,579,043 33,285 SH   SOLE   0 0 33,285
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,495,912 70,729 SH   SOLE   0 0 70,729
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,453,623 71,607 SH   SOLE   0 0 71,607
ISHARES TR CORE 1 5 YR USD 46432F859   1,359,892 28,666 SH   SOLE   0 0 28,666
ISHARES TR PFD AND INCM SEC 464288687   1,357,468 42,118 SH   SOLE   0 0 42,118
ELI LILLY & CO COM 532457108   1,301,010 1,672 SH   SOLE   0 0 1,672
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,186,026 5,030 SH   SOLE   0 0 5,030
ISHARES TR SHRT NAT MUN ETF 464288158   1,177,346 11,242 SH   SOLE   0 0 11,242
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,162,513 14,439 SH   SOLE   0 0 14,439
CHUBB LIMITED COM H1467J104   1,027,191 3,964 SH   SOLE   0 0 3,964
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,011,109 21,113 SH   SOLE   0 0 21,113
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   971,041 19,191 SH   SOLE   0 0 19,191
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   914,549 21,895 SH   SOLE   0 0 21,895
ISHARES TR MBS ETF 464288588   914,539 9,895 SH   SOLE   0 0 9,895
SPDR SER TR PRTFLO S&P500 GW 78464A409   867,642 11,861 SH   SOLE   0 0 11,861
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   812,416 5,211 SH   SOLE   0 0 5,211
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   784,566 7,100 SH   SOLE   0 0 7,100
VANGUARD INDEX FDS VALUE ETF 922908744   781,386 4,798 SH   SOLE   0 0 4,798
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   726,589 13,903 SH   SOLE   0 0 13,903
VANGUARD STAR FDS VG TL INTL STK F 921909768   714,368 11,847 SH   SOLE   0 0 11,847
VANGUARD INDEX FDS SMALL CP ETF 922908751   701,780 3,070 SH   SOLE   0 0 3,070
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   683,600 8,842 SH   SOLE   0 0 8,842
ISHARES TR CORE S&P US GWT 464287671   662,013 5,648 SH   SOLE   0 0 5,648
SPDR S&P 500 ETF TR TR UNIT 78462F103   610,347 1,167 SH   SOLE   0 0 1,167
ISHARES TR RUS 2000 GRW ETF 464287648   592,929 2,190 SH   SOLE   0 0 2,190
SPDR SER TR NUVEEN BLOOMBERG 78464A284   584,257 22,743 SH   SOLE   0 0 22,743
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   580,874 28,432 SH   SOLE   0 0 28,432
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   579,893 13,761 SH   SOLE   0 0 13,761
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   579,477 1,378 SH   SOLE   0 0 1,378
ISHARES TR TIPS BD ETF 464287176   577,487 5,376 SH   SOLE   0 0 5,376
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   573,363 27,342 SH   SOLE   0 0 27,342
ISHARES TR S&P MC 400VL ETF 464287705   541,345 4,576 SH   SOLE   0 0 4,576
CSX CORP COM 126408103   533,808 14,400 SH   SOLE   0 0 14,400
ISHARES TR CORE S&P SCP ETF 464287804   501,548 4,538 SH   SOLE   0 0 4,538
ISHARES TR SELECT DIVID ETF 464287168   495,683 4,024 SH   SOLE   0 0 4,024
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   480,093 7,519 SH   SOLE   0 0 7,519
ISHARES TR S&P SML 600 GWT 464287887   479,328 3,667 SH   SOLE   0 0 3,667
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   477,686 24,867 SH   SOLE   0 0 24,867
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   465,325 18,429 SH   SOLE   0 0 18,429
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   462,252 5,733 SH   SOLE   0 0 5,733
ISHARES TR INTRM GOV CR ETF 464288612   437,399 4,207 SH   SOLE   0 0 4,207
ISHARES TR 0-5 YR TIPS ETF 46429B747   434,750 4,372 SH   SOLE   0 0 4,372
ISHARES TR 0-5YR INVT GR CP 46434V100   427,814 8,692 SH   SOLE   0 0 8,692
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   417,031 8,502 SH   SOLE   0 0 8,502
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   388,950 8,742 SH   SOLE   0 0 8,742
JOHNSON & JOHNSON COM 478160104   380,096 2,403 SH   SOLE   0 0 2,403
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   366,476 5,905 SH   SOLE   0 0 5,905
ISHARES TR CORE S&P TTL STK 464287150   364,021 3,157 SH   SOLE   0 0 3,157
ISHARES TR ISHS 5-10YR INVT 464288638   359,350 6,964 SH   SOLE   0 0 6,964
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   328,582 7,674 SH   SOLE   0 0 7,674
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   314,454 5,371 SH   SOLE   0 0 5,371
ISHARES TR RUSSELL 2000 ETF 464287655   312,498 1,486 SH   SOLE   0 0 1,486
ASTRAZENECA PLC SPONSORED ADR 046353108   282,721 4,173 SH   SOLE   0 0 4,173
ISHARES TR 7-10 YR TRSY BD 464287440   267,564 2,827 SH   SOLE   0 0 2,827
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C532   262,611 7,858 SH   SOLE   0 0 7,858
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   262,225 11,701 SH   SOLE   0 0 11,701
VANGUARD INDEX FDS MID CAP ETF 922908629   253,300 1,014 SH   SOLE   0 0 1,014
MICROSOFT CORP COM 594918104   251,360 597 SH   SOLE   0 0 597
INNOVATOR ETFS TRUST US EQT ULTRA BFR 45782C425   245,559 7,974 SH   SOLE   0 0 7,974
ISHARES TR MSCI EAFE ETF 464287465   239,205 2,995 SH   SOLE   0 0 2,995
ISHARES TR MRGSTR MD CP GRW 464288307   237,320 3,358 SH   SOLE   0 0 3,358
ISHARES TR S&P MC 400GR ETF 464287606   233,972 2,564 SH   SOLE   0 0 2,564
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C649   226,399 6,872 SH   SOLE   0 0 6,872
EVERSOURCE ENERGY COM 30040W108   202,548 3,389 SH   SOLE   0 0 3,389