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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 248,264 975 SH   SOLE   0 0 975
AT&T INC COM 00206R102 BBG001S5VWH2 508,800 18,017 SH   SOLE   0 0 18,017
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 229,530 5,951 SH   SOLE   0 0 5,951
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 150,261,839 3,249,607 SH   SOLE   0 0 3,249,607
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 BBG00JGMYXN7 21,335,451 547,484 SH   SOLE   0 0 547,484
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 307,660 512 SH   SOLE   0 0 512
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 63,100,474 764,113 SH   SOLE   0 0 764,113
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 89,791,048 1,375,897 SH   SOLE   0 0 1,375,897
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 49,877,248 419,736 SH   SOLE   0 0 419,736
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 359,770,162 537,532 SH   SOLE   0 0 537,532
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 3,904,136 38,944 SH   SOLE   0 0 38,944
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 264,093,081 722,592 SH   SOLE   0 0 722,592
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 596,754 1,274 SH   SOLE   0 0 1,274
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 306,199 1,504 SH   SOLE   0 0 1,504
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 13,307,994 55,001 SH   SOLE   0 0 55,001
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 168,658,620 3,546,974 SH   SOLE   0 0 3,546,974
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 78,542,080 1,548,237 SH   SOLE   0 0 1,548,237
MICROSOFT CORP COM 594918104 BBG001S5TD05 271,924 525 SH   SOLE   0 0 525
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 353,569 1,895 SH   SOLE   0 0 1,895
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 BBG00HXSKY16 204,335,725 6,361,635 SH   SOLE   0 0 6,361,635
SCHWAB STRATEGIC TR MUN BD ETF 808524649 BBG019GV63H2 898,091 35,068 SH   SOLE   0 0 35,068
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 741,136 31,578 SH   SOLE   0 0 31,578
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 988,832 38,461 SH   SOLE   0 0 38,461
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 60,114,649 2,282,257 SH   SOLE   0 0 2,282,257
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 124,628,350 4,204,735 SH   SOLE   0 0 4,204,735
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 24,850,187 890,688 SH   SOLE   0 0 890,688
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 6,469,109 9,711 SH   SOLE   0 0 9,711
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 737,640 1,538 SH   SOLE   0 0 1,538
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 9,257,382 28,209 SH   SOLE   0 0 28,209