ALPHABET INC CAP STK CL A 02079K305 236 85 SH SOLE 0 0 85 ALPHABET INC CAP STK CL C 02079K107 274 98 SH SOLE 0 0 98 AMAZON COM INC COM 023135106 440 135 SH SOLE 0 0 135 APPLE INC COM 037833100 5264 30148 SH SOLE 0 0 30148 AT&T INC COM 00206R102 710 30041 SH SOLE 0 0 30041 BK OF AMERICA CORP COM 060505104 409 9930 SH SOLE 0 0 9930 CHEVRON CORP NEW COM 166764100 399 2450 SH SOLE 0 0 2450 CISCO SYS INC COM 17275R102 346 6207 SH SOLE 0 0 6207 COCA COLA CONS INC COM 191098102 508 8193 SH SOLE 0 0 8193 COLGATE PALMOLIVE CO COM 194162103 327 4316 SH SOLE 0 0 4316 DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 483 9863 SH SOLE 0 0 9863 DISNEY WALT CO COM 254687106 339 2472 SH SOLE 0 0 2472 HERSHEY CO COM 427866108 238 1100 SH SOLE 0 0 1100 HOME DEPOT INC COM 437076102 215 717 SH SOLE 0 0 717 INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 5848 258657 SH SOLE 0 0 258657 INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 15704 854899 SH SOLE 0 0 854899 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1209 7665 SH SOLE 0 0 7665 INVESCO QQQ TR UNIT SER 1 46090E103 692 1910 SH SOLE 0 0 1910 ISHARES INC CORE MSCI EMKT 46434G103 1696 30539 SH SOLE 0 0 30539 ISHARES TR 0-5YR HI YL CP 46434V407 4553 103580 SH SOLE 0 0 103580 ISHARES TR CORE MSCI EAFE 46432F842 2755 39630 SH SOLE 0 0 39630 ISHARES TR CORE S&P MCP ETF 464287507 2350 8758 SH SOLE 0 0 8758 ISHARES TR CORE S&P SCP ETF 464287804 2299 21315 SH SOLE 0 0 21315 ISHARES TR CORE S&P TTL STK 464287150 924 9152 SH SOLE 0 0 9152 ISHARES TR CORE S&P500 ETF 464287200 7218 15909 SH SOLE 0 0 15909 ISHARES TR CORE US AGGBD ET 464287226 3344 31224 SH SOLE 0 0 31224 ISHARES TR FLTG RATE NT ETF 46429B655 5828 115355 SH SOLE 0 0 115355 ISHARES TR IBOXX HI YD ETF 464288513 3219 39114 SH SOLE 0 0 39114 ISHARES TR IBOXX INV CP ETF 464287242 1445 11946 SH SOLE 0 0 11946 ISHARES TR JPMORGAN USD EMG 464288281 9204 94145 SH SOLE 0 0 94145 ISHARES TR NATIONAL MUN ETF 464288414 3647 33259 SH SOLE 0 0 33259 ISHARES TR RUS 1000 GRW ETF 464287614 1875 6754 SH SOLE 0 0 6754 ISHARES TR RUS 1000 VAL ETF 464287598 417 2512 SH SOLE 0 0 2512 ISHARES TR S&P 100 ETF 464287101 262 1257 SH SOLE 0 0 1257 JOHNSON & JOHNSON COM 478160104 1013 5716 SH SOLE 0 0 5716 JPMORGAN CHASE & CO COM 46625H100 779 5715 SH SOLE 0 0 5715 LAS VEGAS SANDS CORP COM 517834107 245 6300 SH SOLE 0 0 6300 MERCK & CO INC COM 58933Y105 723 8808 SH SOLE 0 0 8808 META PLATFORMS INC CL A 30303M102 289 1301 SH SOLE 0 0 1301 MICROSOFT CORP COM 594918104 1347 4370 SH SOLE 0 0 4370 NEXTERA ENERGY INC COM 65339F101 284 3354 SH SOLE 0 0 3354 NVIDIA CORPORATION COM 67066G104 211 772 SH SOLE 0 0 772 PIMCO ETF TR INV GRD CRP BD 72201R817 11555 110952 SH SOLE 0 0 110952 PROCTER AND GAMBLE CO COM 742718109 208 1360 SH SOLE 0 0 1360 PUBLIC SVC ENTERPRISE GRP IN COM 744573106 230 3284 SH SOLE 0 0 3284 RESTAURANT BRANDS INTL INC COM 76131D103 330 35300 SH SOLE 0 0 35300 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 12993 467875 SH SOLE 0 0 467875 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16914 460623 SH SOLE 0 0 460623 SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1091 22026 SH SOLE 0 0 22026 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 32149 635727 SH SOLE 0 0 635727 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10627 199037 SH SOLE 0 0 199037 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5062 64168 SH SOLE 0 0 64168 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1982 26490 SH SOLE 0 0 26490 SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 589 8251 SH SOLE 0 0 8251 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 43886 814972 SH SOLE 0 0 814972 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10699 141039 SH SOLE 0 0 141039 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10350 218530 SH SOLE 0 0 218530 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3792 110615 SH SOLE 0 0 110615 SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2967 76791 SH SOLE 0 0 76791 SPDR SER TR BLOOMBERG INVT 78468R200 15962 523519 SH SOLE 0 0 523519 SPDR SER TR NUVEEN BLMBRG MU 78468R721 7466 155926 SH SOLE 0 0 155926 SPDR SER TR PORTFOLI S&P1500 78464A805 1631 29349 SH SOLE 0 0 29349 SPDR SER TR PORTFOLIO AGRGTE 78464A649 8659 311570 SH SOLE 0 0 311570 SPDR SER TR PORTFOLIO INTRMD 78464A375 3091 90504 SH SOLE 0 0 90504 SPDR SER TR PORTFOLIO S&P400 78464A847 2030 43053 SH SOLE 0 0 43053 SPDR SER TR PORTFOLIO S&P500 78464A854 8617 162186 SH SOLE 0 0 162186 SPDR SER TR PORTFOLIO S&P600 78468R853 2022 48055 SH SOLE 0 0 48055 SPDR SER TR PORTFOLIO SHORT 78464A474 209 7060 SH SOLE 0 0 7060 SPDR SER TR PRTFLO S&P500 HI 78468R788 1137 25867 SH SOLE 0 0 25867 VANGUARD INDEX FDS TOTAL STK MKT 922908769 872 3828 SH SOLE 0 0 3828 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 256 4445 SH SOLE 0 0 4445 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 265 1637 SH SOLE 0 0 1637 VERIZON COMMUNICATIONS INC COM 92343V104 217 4250 SH SOLE 0 0 4250