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
ISHARES TR RUS 1000 GRW ETF 464287614   408,370 1,347 SH   SOLE   0 0 1,347
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   504,537 9,063 SH   SOLE   0 0 9,063
ISHARES TR IBONDS 27 ETF 46435UAA9   460,820 19,257 SH   SOLE   0 0 19,257
VANGUARD WORLD FD ESG US STK ETF 921910733   202,613 2,382 SH   SOLE   0 0 2,382
ISHARES TR IBDS DEC28 ETF 46435U515   399,358 15,917 SH   SOLE   0 0 15,917
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   27,159,787 62,179 SH   SOLE   0 0 62,179
ISHARES TR IBONDS 27 TRM TS 46436E841   518,680 23,166 SH   SOLE   0 0 23,166
ISHARES TR IBONDS 24 TRM TS 46436E874   868,027 36,380 SH   SOLE   0 0 36,380
ISHARES TR IBONDS 25 TRM TS 46436E866   722,448 31,033 SH   SOLE   0 0 31,033
ISHARES TR IBONDS 26 TRM TS 46436E858   622,250 27,226 SH   SOLE   0 0 27,226
ISHARES TR IBONDS 28 TRM TS 46436E833   613,712 27,626 SH   SOLE   0 0 27,626
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   41,359,145 543,270 SH   SOLE   0 0 543,270
ISHARES TR CORE S&P TTL STK 464287150   72,332,130 687,372 SH   SOLE   0 0 687,372
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   16,932,604 658,088 SH   SOLE   0 0 658,088
VANGUARD BD INDEX FDS INTERMED TERM 921937819   40,947,012 536,096 SH   SOLE   0 0 536,096
ISHARES TR IBONDS DEC2026 46435GAA0   626,849 26,228 SH   SOLE   0 0 26,228
ISHARES TR IBONDS DEC25 ETF 46434VBD1   620,857 25,075 SH   SOLE   0 0 25,075
ISHARES TR IBONDS DEC24 ETF 46434VBG4   660,738 26,525 SH   SOLE   0 0 26,525