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 C 02079K107 214 98 SH   SOLE   0 0 98
AMAZON COM INC COM 023135106 313 2,947 SH   SOLE   0 0 2,947
APPLE INC COM 037833100 4,127 30,189 SH   SOLE   0 0 30,189
AT&T INC COM 00206R102 631 30,090 SH   SOLE   0 0 30,090
BK OF AMERICA CORP COM 060505104 309 9,930 SH   SOLE   0 0 9,930
CHEVRON CORP NEW COM 166764100 355 2,450 SH   SOLE   0 0 2,450
CISCO SYS INC COM 17275R102 265 6,207 SH   SOLE   0 0 6,207
COCA COLA CONS INC COM 191098102 515 8,193 SH   SOLE   0 0 8,193
COLGATE PALMOLIVE CO COM 194162103 346 4,317 SH   SOLE   0 0 4,317
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 402 9,863 SH   SOLE   0 0 9,863
DISNEY WALT CO COM 254687106 234 2,475 SH   SOLE   0 0 2,475
HERSHEY CO COM 427866108 237 1,100 SH   SOLE   0 0 1,100
INTERNATIONAL BUSINESS MACHS COM 459200101 208 1,470 SH   SOLE   0 0 1,470
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 4,934 266,277 SH   SOLE   0 0 266,277
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 13,712 813,781 SH   SOLE   0 0 813,781
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,029 7,665 SH   SOLE   0 0 7,665
INVESCO QQQ TR UNIT SER 1 46090E103 539 1,925 SH   SOLE   0 0 1,925
ISHARES INC CORE MSCI EMKT 46434G103 1,845 37,604 SH   SOLE   0 0 37,604
ISHARES TR 0-5YR HI YL CP 46434V407 4,124 101,694 SH   SOLE   0 0 101,694
ISHARES TR CORE DIV GRWTH 46434V621 276 5,804 SH   SOLE   0 0 5,804
ISHARES TR CORE MSCI EAFE 46432F842 2,768 47,031 SH   SOLE   0 0 47,031
ISHARES TR CORE S&P MCP ETF 464287507 2,238 9,892 SH   SOLE   0 0 9,892
ISHARES TR CORE S&P SCP ETF 464287804 2,237 24,210 SH   SOLE   0 0 24,210
ISHARES TR CORE S&P TTL STK 464287150 991 11,828 SH   SOLE   0 0 11,828
ISHARES TR CORE S&P500 ETF 464287200 7,018 18,510 SH   SOLE   0 0 18,510
ISHARES TR CORE US AGGBD ET 464287226 3,640 35,801 SH   SOLE   0 0 35,801
ISHARES TR FLTG RATE NT ETF 46429B655 6,635 132,917 SH   SOLE   0 0 132,917
ISHARES TR IBOXX HI YD ETF 464288513 3,230 43,874 SH   SOLE   0 0 43,874
ISHARES TR IBOXX INV CP ETF 464287242 1,609 14,621 SH   SOLE   0 0 14,621
ISHARES TR JPMORGAN USD EMG 464288281 8,880 104,076 SH   SOLE   0 0 104,076
ISHARES TR NATIONAL MUN ETF 464288414 3,568 33,549 SH   SOLE   0 0 33,549
ISHARES TR RUS 1000 GRW ETF 464287614 1,477 6,754 SH   SOLE   0 0 6,754
ISHARES TR RUS 1000 VAL ETF 464287598 364 2,512 SH   SOLE   0 0 2,512
ISHARES TR S&P 100 ETF 464287101 217 1,257 SH   SOLE   0 0 1,257
JOHNSON & JOHNSON COM 478160104 1,015 5,716 SH   SOLE   0 0 5,716
JPMORGAN CHASE & CO COM 46625H100 628 5,580 SH   SOLE   0 0 5,580
LAS VEGAS SANDS CORP COM 517834107 212 6,300 SH   SOLE   0 0 6,300
MERCK & CO INC COM 58933Y105 803 8,808 SH   SOLE   0 0 8,808
META PLATFORMS INC CL A 30303M102 212 1,316 SH   SOLE   0 0 1,316
MICROSOFT CORP COM 594918104 1,125 4,380 SH   SOLE   0 0 4,380
NEXTERA ENERGY INC COM 65339F101 261 3,372 SH   SOLE   0 0 3,372
PIMCO ETF TR INV GRD CRP BD 72201R817 10,471 108,641 SH   SOLE   0 0 108,641
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 208 3,284 SH   SOLE   0 0 3,284
RESTAURANT BRANDS INTL INC COM 76131D103 235 35,300 SH   SOLE   0 0 35,300
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 11,571 455,913 SH   SOLE   0 0 455,913
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,032 446,179 SH   SOLE   0 0 446,179
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,016 20,664 SH   SOLE   0 0 20,664
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 26,657 556,852 SH   SOLE   0 0 556,852
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,573 193,994 SH   SOLE   0 0 193,994
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,223 72,911 SH   SOLE   0 0 72,911
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,526 26,313 SH   SOLE   0 0 26,313
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 513 8,222 SH   SOLE   0 0 8,222
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 35,248 789,251 SH   SOLE   0 0 789,251
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,591 136,957 SH   SOLE   0 0 136,957
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,417 215,884 SH   SOLE   0 0 215,884
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,242 112,419 SH   SOLE   0 0 112,419
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,756 79,277 SH   SOLE   0 0 79,277
SPDR SER TR BLOOMBERG INVT 78468R200 16,192 537,747 SH   SOLE   0 0 537,747
SPDR SER TR NUVEEN BLMBRG MU 78468R721 7,020 153,064 SH   SOLE   0 0 153,064
SPDR SER TR PORTFOLI S&P1500 78464A805 1,357 29,190 SH   SOLE   0 0 29,190
SPDR SER TR PORTFOLIO AGRGTE 78464A649 7,663 290,809 SH   SOLE   0 0 290,809
SPDR SER TR PORTFOLIO INTRMD 78464A375 2,989 91,591 SH   SOLE   0 0 91,591
SPDR SER TR PORTFOLIO S&P400 78464A847 1,705 42,947 SH   SOLE   0 0 42,947
SPDR SER TR PORTFOLIO S&P500 78464A854 7,199 162,359 SH   SOLE   0 0 162,359
SPDR SER TR PORTFOLIO S&P600 78468R853 1,736 48,250 SH   SOLE   0 0 48,250
SPDR SER TR PORTFOLIO SHORT 78464A474 202 6,849 SH   SOLE   0 0 6,849
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,178 29,505 SH   SOLE   0 0 29,505
VANGUARD INDEX FDS TOTAL STK MKT 922908769 724 3,838 SH   SOLE   0 0 3,838
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 227 4,535 SH   SOLE   0 0 4,535
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 235 1,637 SH   SOLE   0 0 1,637
VERIZON COMMUNICATIONS INC COM 92343V104 217 4,271 SH   SOLE   0 0 4,271