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
ALPHABET INC CAP STK CL A 02079K305   459 3,506 SH   SOLE 0 0 0 3,506
ALTRIA GROUP INC COM 02209S103   435 10,355 SH   SOLE 0 0 0 10,355
AMAZON COM INC COM 023135106   776 6,106 SH   SOLE 0 0 0 6,106
APPLE INC COM 037833100   2,719 15,879 SH   SOLE 0 0 0 15,879
APPLIED MATLS INC COM 038222105   2,467 17,820 SH   SOLE 0 0 0 17,820
AUTOMATIC DATA PROCESSING IN COM 053015103   336 1,395 SH   SOLE 0 0 0 1,395
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,637 4,672 SH   SOLE 0 0 0 4,672
BOEING CO COM 097023105   966 5,040 SH   SOLE 0 0 0 5,040
CHEVRON CORP NEW COM 166764100   210 1,248 SH   SOLE 0 0 0 1,248
EQUIFAX INC COM 294429105   1,567 8,554 SH   SOLE 0 0 0 8,554
FORTUNE BRANDS INNOVATIONS I COM 34964C106   286 4,599 SH   SOLE 0 0 0 4,599
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   38,487 456,924 SH   SOLE 0 0 0 456,924
HONEYWELL INTL INC COM 438516106   302 1,634 SH   SOLE 0 0 0 1,634
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   3,229 109,307 SH   SOLE 0 0 0 109,307
INVESCO QQQ TR UNIT SER 1 46090E103   13,884 38,754 SH   SOLE 0 0 0 38,754
ISHARES TR CORE S&P MCP ETF 464287507   724 2,903 SH   SOLE 0 0 0 2,903
ISHARES TR CORE S&P SCP ETF 464287804   561 5,951 SH   SOLE 0 0 0 5,951
ISHARES TR S&P 500 VAL ETF 464287408   20,969 136,303 SH   SOLE 0 0 0 136,303
ISHARES TR CORE S&P500 ETF 464287200   44,679 104,042 SH   SOLE 0 0 0 104,042
ISHARES TR S&P 500 GRWT ETF 464287309   19,262 281,519 SH   SOLE 0 0 0 281,519
ISHARES TR RUS 2000 VAL ETF 464287630   4,421 32,617 SH   SOLE 0 0 0 32,617
ISHARES TR CORE S&P US GWT 464287671   588 6,203 SH   SOLE 0 0 0 6,203
ISHARES TR CORE US AGGBD ET 464287226   269 2,859 SH   SOLE 0 0 0 2,859
ISHARES TR EAFE VALUE ETF 464288877   519 10,616 SH   SOLE 0 0 0 10,616
ISHARES TR EAFE GRWTH ETF 464288885   334 3,868 SH   SOLE 0 0 0 3,868
ISHARES TR EAFE SML CP ETF 464288273   1,872 33,153 SH   SOLE 0 0 0 33,153
ISHARES TR GLB INFRASTR ETF 464288372   1,586 36,632 SH   SOLE 0 0 0 36,632
ISHARES TR CORE INTL AGGR 46435G672   405 8,296 SH   SOLE 0 0 0 8,296
ISHARES TR IBONDS DEC2026 46435GAA0   2,631 112,768 SH   SOLE 0 0 0 112,768
ISHARES TR IBONDS 27 ETF 46435UAA9   2,328 100,589 SH   SOLE 0 0 0 100,589
ISHARES TR IBONDS DEC 46435U697   2,790 108,612 SH   SOLE 0 0 0 108,612
ISHARES TR CORE MSCI EAFE 46432F842   1,168 18,154 SH   SOLE 0 0 0 18,154
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,582 105,937 SH   SOLE 0 0 0 105,937
ISHARES TR IBONDS DEC24 ETF 46434VBG4   4,707 190,333 SH   SOLE 0 0 0 190,333
ISHARES TR IBONDS DEC 25 46435U432   1,240 47,534 SH   SOLE 0 0 0 47,534
ISHARES TR IBONDS DEC 26 46435U259   1,072 43,210 SH   SOLE 0 0 0 43,210
ISHARES TR IBONDS DEC 27 46435U283   1,347 55,040 SH   SOLE 0 0 0 55,040
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   856 16,960 SH   SOLE 0 0 0 16,960
MERCK & CO INC COM 58933Y105   293 2,844 SH   SOLE 0 0 0 2,844
MICROSOFT CORP COM 594918104   1,689 5,349 SH   SOLE 0 0 0 5,349
NVIDIA CORPORATION COM 67066G104   244 562 SH   SOLE 0 0 0 562
PEPSICO INC COM 713448108   214 1,263 SH   SOLE 0 0 0 1,263
PHILIP MORRIS INTL INC COM 718172109   853 9,213 SH   SOLE 0 0 0 9,213
PIMCO ETF TR ACTIVE BD ETF 72201R775   760 8,642 SH   SOLE 0 0 0 8,642
PROCTER AND GAMBLE CO COM 742718109   289 1,980 SH   SOLE 0 0 0 1,980
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   3,764 67,257 SH   SOLE 0 0 0 67,257
SCHWAB STRATEGIC TR US REIT ETF 808524847   386 21,722 SH   SOLE 0 0 0 21,722
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,226 83,516 SH   SOLE 0 0 0 83,516
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,119 46,749 SH   SOLE 0 0 0 46,749
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,604 3,753 SH   SOLE 0 0 0 3,753
SPDR SER TR S&P 600 SMCP GRW 78464A201   385 5,249 SH   SOLE 0 0 0 5,249
SPDR SER TR PRTFLO S&P500 GW 78464A409   234 3,946 SH   SOLE 0 0 0 3,946
SPDR SER TR PRTFLO S&P500 VL 78464A508   207 5,021 SH   SOLE 0 0 0 5,021
SPDR SER TR NUVEEN BLOOMBERG 78464A284   284 11,939 SH   SOLE 0 0 0 11,939
TESLA INC COM 88160R101   4,557 18,211 SH   SOLE 0 0 0 18,211
UNITEDHEALTH GROUP INC COM 91324P102   1,362 2,702 SH   SOLE 0 0 0 2,702
VANGUARD INDEX FDS VALUE ETF 922908744   18,258 132,373 SH   SOLE 0 0 0 132,373
VANGUARD INDEX FDS MID CAP ETF 922908629   1,245 5,979 SH   SOLE 0 0 0 5,979
VANGUARD INDEX FDS SM CP VAL ETF 922908611   377 2,367 SH   SOLE 0 0 0 2,367
VANGUARD INDEX FDS SMALL CP ETF 922908751   798 4,223 SH   SOLE 0 0 0 4,223
VANGUARD INDEX FDS GROWTH ETF 922908736   3,932 14,438 SH   SOLE 0 0 0 14,438
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   205 523 SH   SOLE 0 0 0 523
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   327 6,311 SH   SOLE 0 0 0 6,311