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   490 3,507 SH   SOLE 0 0 0 3,507
ALTRIA GROUP INC COM 02209S103   418 10,355 SH   SOLE 0 0 0 10,355
AMAZON COM INC COM 023135106   407 2,677 SH   SOLE 0 0 0 2,677
APPLE INC COM 037833100   3,669 19,058 SH   SOLE 0 0 0 19,058
APPLIED MATLS INC COM 038222105   2,888 17,820 SH   SOLE 0 0 0 17,820
AUTOMATIC DATA PROCESSING IN COM 053015103   325 1,395 SH   SOLE 0 0 0 1,395
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,666 4,672 SH   SOLE 0 0 0 4,672
BOEING CO COM 097023105   1,314 5,040 SH   SOLE 0 0 0 5,040
EQUIFAX INC COM 294429105   1,555 6,287 SH   SOLE 0 0 0 6,287
FORTUNE BRANDS INNOVATIONS I COM 34964C106   350 4,599 SH   SOLE 0 0 0 4,599
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   42,006 447,774 SH   SOLE 0 0 0 447,774
HONEYWELL INTL INC COM 438516106   344 1,642 SH   SOLE 0 0 0 1,642
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   3,617 111,363 SH   SOLE 0 0 0 111,363
INVESCO QQQ TR UNIT SER 1 46090E103   15,479 37,799 SH   SOLE 0 0 0 37,799
ISHARES TR CORE S&P MCP ETF 464287507   805 2,906 SH   SOLE 0 0 0 2,906
ISHARES TR CORE S&P SCP ETF 464287804   645 5,961 SH   SOLE 0 0 0 5,961
ISHARES TR S&P 500 VAL ETF 464287408   23,314 134,071 SH   SOLE 0 0 0 134,071
ISHARES TR CORE S&P500 ETF 464287200   47,727 99,925 SH   SOLE 0 0 0 99,925
ISHARES TR S&P 500 GRWT ETF 464287309   20,573 273,945 SH   SOLE 0 0 0 273,945
ISHARES TR RUS 2000 VAL ETF 464287630   5,005 32,225 SH   SOLE 0 0 0 32,225
ISHARES TR CORE S&P US GWT 464287671   650 6,246 SH   SOLE 0 0 0 6,246
ISHARES TR CORE US AGGBD ET 464287226   277 2,795 SH   SOLE 0 0 0 2,795
ISHARES TR EAFE VALUE ETF 464288877   1,847 35,455 SH   SOLE 0 0 0 35,455
ISHARES TR EAFE GRWTH ETF 464288885   356 3,680 SH   SOLE 0 0 0 3,680
ISHARES TR COHEN STEER REIT 464287564   218 3,720 SH   SOLE 0 0 0 3,720
ISHARES TR EAFE SML CP ETF 464288273   2,037 32,903 SH   SOLE 0 0 0 32,903
ISHARES TR GLB INFRASTR ETF 464288372   2,996 63,683 SH   SOLE 0 0 0 63,683
ISHARES TR CORE INTL AGGR 46435G672   1,259 25,281 SH   SOLE 0 0 0 25,281
ISHARES TR IBONDS DEC2026 46435GAA0   2,757 115,369 SH   SOLE 0 0 0 115,369
ISHARES TR IBONDS 27 ETF 46435UAA9   2,461 102,862 SH   SOLE 0 0 0 102,862
ISHARES TR IBONDS DEC 46435U697   1,747 67,391 SH   SOLE 0 0 0 67,391
ISHARES TR IBDS DEC28 ETF 46435U515   1,521 60,606 SH   SOLE 0 0 0 60,606
ISHARES TR IBONDS DEC 25 46435U432   1,206 45,449 SH   SOLE 0 0 0 45,449
ISHARES TR IBONDS DEC 26 46435U259   1,037 40,641 SH   SOLE 0 0 0 40,641
ISHARES TR IBONDS DEC 27 46435U283   1,331 52,364 SH   SOLE 0 0 0 52,364
ISHARES TR IBONDS DEC 28 46435U325   947 37,026 SH   SOLE 0 0 0 37,026
ISHARES TR CORE MSCI EAFE 46432F842   1,289 18,325 SH   SOLE 0 0 0 18,325
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,669 107,786 SH   SOLE 0 0 0 107,786
ISHARES TR IBONDS DEC24 ETF 46434VBG4   2,981 119,671 SH   SOLE 0 0 0 119,671
MATTERPORT INC COM CL A 577096100   27 10,000 SH   SOLE 0 0 0 10,000
MERCK & CO INC COM 58933Y105   310 2,844 SH   SOLE 0 0 0 2,844
MICROSOFT CORP COM 594918104   1,768 4,702 SH   SOLE 0 0 0 4,702
NVIDIA CORPORATION COM 67066G104   274 553 SH   SOLE 0 0 0 553
PEPSICO INC COM 713448108   215 1,264 SH   SOLE 0 0 0 1,264
PHILIP MORRIS INTL INC COM 718172109   867 9,213 SH   SOLE 0 0 0 9,213
PIMCO ETF TR ACTIVE BD ETF 72201R775   2,168 23,450 SH   SOLE 0 0 0 23,450
PROCTER AND GAMBLE CO COM 742718109   290 1,980 SH   SOLE 0 0 0 1,980
PROSHARES TR ULTRAPRO QQQ 74347X831   203 4,000 SH   SOLE 0 0 0 4,000
SCHWAB STRATEGIC TR US REIT ETF 808524847   666 32,170 SH   SOLE 0 0 0 32,170
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,718 83,654 SH   SOLE 0 0 0 83,654
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,490 60,107 SH   SOLE 0 0 0 60,107
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   4,118 66,490 SH   SOLE 0 0 0 66,490
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,784 3,753 SH   SOLE 0 0 0 3,753
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,403 16,781 SH   SOLE 0 0 0 16,781
SPDR SER TR PRTFLO S&P500 GW 78464A409   257 3,946 SH   SOLE 0 0 0 3,946
SPDR SER TR PRTFLO S&P500 VL 78464A508   234 5,021 SH   SOLE 0 0 0 5,021
SPDR SER TR NUVEEN BLOOMBERG 78464A284   1,030 40,715 SH   SOLE 0 0 0 40,715
TESLA INC COM 88160R101   4,532 18,240 SH   SOLE 0 0 0 18,240
UNITEDHEALTH GROUP INC COM 91324P102   1,410 2,678 SH   SOLE 0 0 0 2,678
VANGUARD INDEX FDS VALUE ETF 922908744   19,627 131,286 SH   SOLE 0 0 0 131,286
VANGUARD INDEX FDS MID CAP ETF 922908629   1,391 5,977 SH   SOLE 0 0 0 5,977
VANGUARD INDEX FDS SM CP VAL ETF 922908611   398 2,212 SH   SOLE 0 0 0 2,212
VANGUARD INDEX FDS SMALL CP ETF 922908751   901 4,225 SH   SOLE 0 0 0 4,225
VANGUARD INDEX FDS GROWTH ETF 922908736   4,472 14,385 SH   SOLE 0 0 0 14,385
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   234 536 SH   SOLE 0 0 0 536
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   354 6,311 SH   SOLE 0 0 0 6,311