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
APPLE INC COM 037833100 BBG001S5N8V8 792,429 3,862 SH   SOLE   0 0 3,862
AT&T INC COM 00206R102 BBG001S5VWH2 530,326 18,325 SH   SOLE   0 0 18,325
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 213,284 5,951 SH   SOLE   0 0 5,951
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 141,719,862 3,097,702 SH   SOLE   0 0 3,097,702
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 BBG00JGMYXN7 19,194,970 501,436 SH   SOLE   0 0 501,436
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 284,883 516 SH   SOLE   0 0 516
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 59,786,725 773,338 SH   SOLE   0 0 773,338
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 86,134,133 1,388,812 SH   SOLE   0 0 1,388,812
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 54,173,777 495,688 SH   SOLE   0 0 495,688
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 329,104,955 530,045 SH   SOLE   0 0 530,045
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 3,929,709 39,614 SH   SOLE   0 0 39,614
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 247,495,740 728,850 SH   SOLE   0 0 728,850
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 540,915 1,274 SH   SOLE   0 0 1,274
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 296,589 1,527 SH   SOLE   0 0 1,527
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 12,088,297 56,019 SH   SOLE   0 0 56,019
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 156,000,813 3,314,934 SH   SOLE   0 0 3,314,934
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 74,921,126 1,478,317 SH   SOLE   0 0 1,478,317
MICROSOFT CORP COM 594918104 BBG001S5TD05 420,311 845 SH   SOLE   0 0 845
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 296,073 1,874 SH   SOLE   0 0 1,874
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 207,810 1,141 SH   SOLE   0 0 1,141
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 BBG00HXSKY16 198,312,780 6,650,328 SH   SOLE   0 0 6,650,328
SCHWAB STRATEGIC TR MUN BD ETF 808524649 BBG019GV63H2 860,980 34,193 SH   SOLE   0 0 34,193
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 693,621 29,846 SH   SOLE   0 0 29,846
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 900,464 37,787 SH   SOLE   0 0 37,787
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 57,278,219 2,343,626 SH   SOLE   0 0 2,343,626
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 117,303,194 4,181,932 SH   SOLE   0 0 4,181,932
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 28,584,025 1,129,803 SH   SOLE   0 0 1,129,803
SOUTHERN CO COM 842587107 BBG001S5W777 380,452 4,143 SH   SOLE   0 0 4,143
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 6,172,760 9,991 SH   SOLE   0 0 9,991
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 674,259 1,538 SH   SOLE   0 0 1,538
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 8,573,257 28,208 SH   SOLE   0 0 28,208