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
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
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 5,264 30,148 SH   SOLE   0 0 30,148
AT&T INC COM 00206R102 710 30,041 SH   SOLE   0 0 30,041
BK OF AMERICA CORP COM 060505104 409 9,930 SH   SOLE   0 0 9,930
CHEVRON CORP NEW COM 166764100 399 2,450 SH   SOLE   0 0 2,450
CISCO SYS INC COM 17275R102 346 6,207 SH   SOLE   0 0 6,207
COCA COLA CONS INC COM 191098102 508 8,193 SH   SOLE   0 0 8,193
COLGATE PALMOLIVE CO COM 194162103 327 4,316 SH   SOLE   0 0 4,316
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 483 9,863 SH   SOLE   0 0 9,863
DISNEY WALT CO COM 254687106 339 2,472 SH   SOLE   0 0 2,472
HERSHEY CO COM 427866108 238 1,100 SH   SOLE   0 0 1,100
HOME DEPOT INC COM 437076102 215 717 SH   SOLE   0 0 717
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 5,848 258,657 SH   SOLE   0 0 258,657
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 15,704 854,899 SH   SOLE   0 0 854,899
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,209 7,665 SH   SOLE   0 0 7,665
INVESCO QQQ TR UNIT SER 1 46090E103 692 1,910 SH   SOLE   0 0 1,910
ISHARES INC CORE MSCI EMKT 46434G103 1,696 30,539 SH   SOLE   0 0 30,539
ISHARES TR 0-5YR HI YL CP 46434V407 4,553 103,580 SH   SOLE   0 0 103,580
ISHARES TR CORE MSCI EAFE 46432F842 2,755 39,630 SH   SOLE   0 0 39,630
ISHARES TR CORE S&P MCP ETF 464287507 2,350 8,758 SH   SOLE   0 0 8,758
ISHARES TR CORE S&P SCP ETF 464287804 2,299 21,315 SH   SOLE   0 0 21,315
ISHARES TR CORE S&P TTL STK 464287150 924 9,152 SH   SOLE   0 0 9,152
ISHARES TR CORE S&P500 ETF 464287200 7,218 15,909 SH   SOLE   0 0 15,909
ISHARES TR CORE US AGGBD ET 464287226 3,344 31,224 SH   SOLE   0 0 31,224
ISHARES TR FLTG RATE NT ETF 46429B655 5,828 115,355 SH   SOLE   0 0 115,355
ISHARES TR IBOXX HI YD ETF 464288513 3,219 39,114 SH   SOLE   0 0 39,114
ISHARES TR IBOXX INV CP ETF 464287242 1,445 11,946 SH   SOLE   0 0 11,946
ISHARES TR JPMORGAN USD EMG 464288281 9,204 94,145 SH   SOLE   0 0 94,145
ISHARES TR NATIONAL MUN ETF 464288414 3,647 33,259 SH   SOLE   0 0 33,259
ISHARES TR RUS 1000 GRW ETF 464287614 1,875 6,754 SH   SOLE   0 0 6,754
ISHARES TR RUS 1000 VAL ETF 464287598 417 2,512 SH   SOLE   0 0 2,512
ISHARES TR S&P 100 ETF 464287101 262 1,257 SH   SOLE   0 0 1,257
JOHNSON & JOHNSON COM 478160104 1,013 5,716 SH   SOLE   0 0 5,716
JPMORGAN CHASE & CO COM 46625H100 779 5,715 SH   SOLE   0 0 5,715
LAS VEGAS SANDS CORP COM 517834107 245 6,300 SH   SOLE   0 0 6,300
MERCK & CO INC COM 58933Y105 723 8,808 SH   SOLE   0 0 8,808
META PLATFORMS INC CL A 30303M102 289 1,301 SH   SOLE   0 0 1,301
MICROSOFT CORP COM 594918104 1,347 4,370 SH   SOLE   0 0 4,370
NEXTERA ENERGY INC COM 65339F101 284 3,354 SH   SOLE   0 0 3,354
NVIDIA CORPORATION COM 67066G104 211 772 SH   SOLE   0 0 772
PIMCO ETF TR INV GRD CRP BD 72201R817 11,555 110,952 SH   SOLE   0 0 110,952
PROCTER AND GAMBLE CO COM 742718109 208 1,360 SH   SOLE   0 0 1,360
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 230 3,284 SH   SOLE   0 0 3,284
RESTAURANT BRANDS INTL INC COM 76131D103 330 35,300 SH   SOLE   0 0 35,300
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 12,993 467,875 SH   SOLE   0 0 467,875
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,914 460,623 SH   SOLE   0 0 460,623
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,091 22,026 SH   SOLE   0 0 22,026
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 32,149 635,727 SH   SOLE   0 0 635,727
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10,627 199,037 SH   SOLE   0 0 199,037
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,062 64,168 SH   SOLE   0 0 64,168
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,982 26,490 SH   SOLE   0 0 26,490
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 589 8,251 SH   SOLE   0 0 8,251
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 43,886 814,972 SH   SOLE   0 0 814,972
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,699 141,039 SH   SOLE   0 0 141,039
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,350 218,530 SH   SOLE   0 0 218,530
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,792 110,615 SH   SOLE   0 0 110,615
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,967 76,791 SH   SOLE   0 0 76,791
SPDR SER TR BLOOMBERG INVT 78468R200 15,962 523,519 SH   SOLE   0 0 523,519
SPDR SER TR NUVEEN BLMBRG MU 78468R721 7,466 155,926 SH   SOLE   0 0 155,926
SPDR SER TR PORTFOLI S&P1500 78464A805 1,631 29,349 SH   SOLE   0 0 29,349
SPDR SER TR PORTFOLIO AGRGTE 78464A649 8,659 311,570 SH   SOLE   0 0 311,570
SPDR SER TR PORTFOLIO INTRMD 78464A375 3,091 90,504 SH   SOLE   0 0 90,504
SPDR SER TR PORTFOLIO S&P400 78464A847 2,030 43,053 SH   SOLE   0 0 43,053
SPDR SER TR PORTFOLIO S&P500 78464A854 8,617 162,186 SH   SOLE   0 0 162,186
SPDR SER TR PORTFOLIO S&P600 78468R853 2,022 48,055 SH   SOLE   0 0 48,055
SPDR SER TR PORTFOLIO SHORT 78464A474 209 7,060 SH   SOLE   0 0 7,060
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,137 25,867 SH   SOLE   0 0 25,867
VANGUARD INDEX FDS TOTAL STK MKT 922908769 872 3,828 SH   SOLE   0 0 3,828
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 256 4,445 SH   SOLE   0 0 4,445
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 265 1,637 SH   SOLE   0 0 1,637
VERIZON COMMUNICATIONS INC COM 92343V104 217 4,250 SH   SOLE   0 0 4,250