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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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
AMAZON COM INC COM 023135106 BBG001S5PQL7 517,980 2,361 SH   SOLE   0 0 2,361
APPLE INC COM 037833100 BBG001S5N8V8 820,627 3,277 SH   SOLE   0 0 3,277
AT&T INC COM 00206R102 BBG001S5VWH2 485,570 21,325 SH   SOLE   0 0 21,325
BROADCOM INC COM 11135F101 BBG00KHY5SY8 428,208 1,847 SH   SOLE   0 0 1,847
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 205,845 5,951 SH   SOLE   0 0 5,951
ELI LILLY & CO COM 532457108 BBG001S5STL8 281,992 365 SH   SOLE   0 0 365
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 138,239,417 3,080,887 SH   SOLE   0 0 3,080,887
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 BBG00JGMYXN7 19,383,273 501,378 SH   SOLE   0 0 501,378
HOME DEPOT INC COM 437076102 BBG001S5RTW7 240,396 618 SH   SOLE   0 0 618
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 259,908 508 SH   SOLE   0 0 508
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 51,718,962 781,962 SH   SOLE   0 0 781,962
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 84,777,292 1,360,573 SH   SOLE   0 0 1,360,573
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 56,226,805 487,995 SH   SOLE   0 0 487,995
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 302,331,821 513,576 SH   SOLE   0 0 513,576
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 3,373,961 34,819 SH   SOLE   0 0 34,819
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 250,543,648 777,699 SH   SOLE   0 0 777,699
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 505,991 1,260 SH   SOLE   0 0 1,260
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 278,436 1,504 SH   SOLE   0 0 1,504
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 13,057,587 59,095 SH   SOLE   0 0 59,095
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 146,570,286 3,181,469 SH   SOLE   0 0 3,181,469
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 72,769,263 1,444,695 SH   SOLE   0 0 1,444,695
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 479,533 819 SH   SOLE   0 0 819
MICROSOFT CORP COM 594918104 BBG001S5TD05 760,386 1,804 SH   SOLE   0 0 1,804
NETFLIX INC COM 64110L106 BBG001SF6L46 216,591 243 SH   SOLE   0 0 243
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 676,150 5,035 SH   SOLE   0 0 5,035
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 BBG00HXSKY16 197,339,776 6,970,674 SH   SOLE   0 0 6,970,674
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 542,348 23,892 SH   SOLE   0 0 23,892
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 838,107 36,921 SH   SOLE   0 0 36,921
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 51,960,636 2,241,615 SH   SOLE   0 0 2,241,615
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 115,828,085 4,180,010 SH   SOLE   0 0 4,180,010
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 27,914,166 1,079,434 SH   SOLE   0 0 1,079,434
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 BBG00L5F9FV7 373,783 3,861 SH   SOLE   0 0 3,861
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 779,321 16,125 SH   SOLE   0 0 16,125
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 390,145 1,739 SH   SOLE   0 0 1,739
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 363,021 4,618 SH   SOLE   0 0 4,618
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 681,384 4,953 SH   SOLE   0 0 4,953
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 812,890 3,496 SH   SOLE   0 0 3,496
SOUTHERN CO COM 842587107 BBG001S5W777 395,959 4,810 SH   SOLE   0 0 4,810
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 5,840,059 9,965 SH   SOLE   0 0 9,965
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 251,412 497 SH   SOLE   0 0 497
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 8,013,285 27,650 SH   SOLE   0 0 27,650
VISA INC COM CL A 92826C839 BBG001SRCFY3 298,974 946 SH   SOLE   0 0 946