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
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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
AFLAC INC COM 001055102   1,772 21,480 SH   SOLE   21,480 0 0
ABBVIE INC COM 00287Y109   2,048 13,214 SH   SOLE   13,214 0 0
AIR PRODS & CHEMS INC COM 009158106   1,951 7,124 SH   SOLE   7,124 0 0
ALLSTATE CORP COM 020002101   2,192 15,656 SH   SOLE   15,656 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   248 2,765 SH   SOLE   2,765 0 0
APPLE INC COM 037833100   2,277 11,827 SH   SOLE   11,827 0 0
BLACKROCK INC COM 09247X101   1,273 1,568 SH   SOLE   1,568 0 0
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   306 6,093 SH   SOLE   6,093 0 0
BONDBLOXX ETF TRUST BLOOMBERG ONE YR 09789C861   14 288 SH   SOLE   288 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,165 22,713 SH   SOLE   22,713 0 0
BROADCOM INC COM 11135F101   2,134 1,912 SH   SOLE   1,912 0 0
CME GROUP INC COM 12572Q105   1,628 7,729 SH   SOLE   7,729 0 0
CHEVRON CORP NEW COM 166764100   1,181 7,918 SH   SOLE   7,918 0 0
CISCO SYS INC COM 17275R102   1,089 21,550 SH   SOLE   21,550 0 0
COSTCO WHSL CORP NEW COM 22160K105   2,113 3,201 SH   SOLE   3,201 0 0
CUMMINS INC COM 231021106   1,454 6,071 SH   SOLE   6,071 0 0
EXXON MOBIL CORP COM 30231G102   1,957 19,578 SH   SOLE   19,578 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744   4 155 SH   SOLE   155 0 0
HARTFORD FDS EXCHANGE TRADED HARTFORD QUALITY 41653L859   13,100 567,588 SH   SOLE   567,588 0 0
HOME DEPOT INC COM 437076102   1,864 5,379 SH   SOLE   5,379 0 0
INNOVATOR ETFS TR EMRGNG MKT JAN 45782C516   454 15,819 SH   SOLE   15,819 0 0
ISHARES TR TIPS BD ETF 464287176   133 1,233 SH   SOLE   1,233 0 0
ISHARES TR S&P 500 INDEX 464287200   358 750 SH   SOLE   750 0 0
ISHARES TR CORE US AGGBD ET 464287226   21,017 211,756 SH   SOLE   211,756 0 0
ISHARES TR IBOXX INV CPBD 464287242   25 223 SH   SOLE   223 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   278 2,879 SH   SOLE   2,879 0 0
ISHARES TR BARCLYS 1-3 YR 464287457   14 176 SH   SOLE   176 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109   58,303 825,582 SH   SOLE   825,582 0 0
ISHARES TR GL TIMB FORE ETF 464288174   365 4,489 SH   SOLE   4,489 0 0
ISHARES TR MRGSTR MD CP ETF 464288208   10,608 158,026 SH   SOLE   158,026 0 0
ISHARES TR MRGSTR MD CP GRW 464288307   10,901 169,131 SH   SOLE   169,131 0 0
ISHARES TR MRGSTR MD CP VAL 464288406   15,262 225,366 SH   SOLE   225,366 0 0
ISHARES TR MRGSTR SM CP GR 464288604   6,589 149,754 SH   SOLE   149,754 0 0
ISHARES TR MRNING SM CP ETF 464288703   11,500 194,223 SH   SOLE   194,223 0 0
ISHARES TR GNMA BOND ETF 46429B333   111 2,507 SH   SOLE   2,507 0 0
ISHARES TR MSCI INDIA ETF 46429B598   130 2,664 SH   SOLE   2,664 0 0
ISHARES TR MSCI INDIA SM CP 46429B614   8 114 SH   SOLE   114 0 0
ISHARES TR MSCI CHINA ETF 46429B671   260 6,389 SH   SOLE   6,389 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   111 1,128 SH   SOLE   1,128 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   610 12,109 SH   SOLE   12,109 0 0
JPMORGAN CHASE & CO COM 46625H100   1,692 9,949 SH   SOLE   9,949 0 0
JOHNSON & JOHNSON COM 478160104   1,679 10,714 SH   SOLE   10,714 0 0
LOCKHEED MARTIN CORP COM 539830109   1,668 3,681 SH   SOLE   3,681 0 0
MERCK & CO INC COM 58933Y105   1,578 14,478 SH   SOLE   14,478 0 0
MICROSOFT CORP COM 594918104   2,471 6,570 SH   SOLE   6,570 0 0
NEXTERA ENERGY INC COM 65339F101   1,281 21,097 SH   SOLE   21,097 0 0
NORTHROP GRUMMAN CORP COM 666807102   1,189 2,539 SH   SOLE   2,539 0 0
PAYCHEX INC COM 704326107   1,490 12,511 SH   SOLE   12,511 0 0
PEPSICO INC COM 713448108   1,037 6,107 SH   SOLE   6,107 0 0
PRICE T ROWE GROUP INC COM 74144T108   1,452 13,481 SH   SOLE   13,481 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   833 9,904 SH   SOLE   9,904 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   32,163 570,260 SH   SOLE   570,260 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   9,088 192,386 SH   SOLE   192,386 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   16,471 216,357 SH   SOLE   216,357 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   74,008 2,002,382 SH   SOLE   2,002,382 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   28,286 541,875 SH   SOLE   541,875 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,789 45,187 SH   SOLE   45,187 0 0
TEXAS INSTRS INC COM 882508104   1,863 10,932 SH   SOLE   10,932 0 0
UNION PAC CORP COM 907818108   1,707 6,951 SH   SOLE   6,951 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,619 10,294 SH   SOLE   10,294 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,707 3,242 SH   SOLE   3,242 0 0
VALERO ENERGY CORP COM 91913Y100   882 6,783 SH   SOLE   6,783 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   29,486 717,428 SH   SOLE   717,428 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   4,002 29,194 SH   SOLE   29,194 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   19,824 256,222 SH   SOLE   256,222 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,454 79,399 SH   SOLE   79,399 0 0
WISDOMTREE TR JP SMALLCP DIV 97717W836   162 2,162 SH   SOLE   2,162 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   459 9,133 SH   SOLE   9,133 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   112 2,739 SH   SOLE   2,739 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,235 6,369 SH   SOLE   6,369 0 0