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 255,567 1,007 SH   SOLE   0 0 1,007
AT&T INC COM 00206R102 BBG001S5VWH2 326,572 11,265 SH   SOLE   0 0 11,265
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 243,108 6,256 SH   SOLE   0 0 6,256
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 159,656,329 3,499,700 SH   SOLE   0 0 3,499,700
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 BBG00JGMYXN7 23,378,312 603,467 SH   SOLE   0 0 603,467
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 307,561 533 SH   SOLE   0 0 533
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 64,097,486 739,814 SH   SOLE   0 0 739,814
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 89,426,826 1,324,253 SH   SOLE   0 0 1,324,253
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 51,518,336 414,434 SH   SOLE   0 0 414,434
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 364,225,239 557,593 SH   SOLE   0 0 557,593
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 4,046,047 40,758 SH   SOLE   0 0 40,758
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 252,516,621 708,202 SH   SOLE   0 0 708,202
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 620,838 1,456 SH   SOLE   0 0 1,456
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 423,921 1,984 SH   SOLE   0 0 1,984
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 13,238,190 53,380 SH   SOLE   0 0 53,380
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 182,088,202 3,867,634 SH   SOLE   0 0 3,867,634
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 84,333,105 1,666,333 SH   SOLE   0 0 1,666,333
MICROSOFT CORP COM 594918104 BBG001S5TD05 209,146 565 SH   SOLE   0 0 565
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 265,437 1,522 SH   SOLE   0 0 1,522
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 BBG00HXSKY16 187,996,948 6,000,541 SH   SOLE   0 0 6,000,541
SCHWAB STRATEGIC TR MUN BD ETF 808524649 BBG019GV63H2 929,944 36,497 SH   SOLE   0 0 36,497
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 946,633 40,768 SH   SOLE   0 0 40,768
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 1,024,155 40,803 SH   SOLE   0 0 40,803
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 58,547,644 2,283,449 SH   SOLE   0 0 2,283,449
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 133,750,189 4,320,097 SH   SOLE   0 0 4,320,097
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 23,684,153 814,448 SH   SOLE   0 0 814,448
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 BBG001S72SM3 6,317,299 9,714 SH   SOLE   0 0 9,714
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 682,703 1,563 SH   SOLE   0 0 1,563
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 294,543 493 SH   SOLE   0 0 493
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 9,328,192 29,077 SH   SOLE   0 0 29,077