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
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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
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   51,236,080 755,138 SH   SOLE   0 0 755,138
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   26,085,823 548,944 SH   SOLE   0 0 548,944
SPDR SER TR BLOMBERG BRC INV 78468R200   21,911,359 710,255 SH   SOLE   0 0 710,255
ISHARES TR CORE S&P500 ETF 464287200   20,871,185 36,183 SH   SOLE   0 0 36,183
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   17,456,698 424,531 SH   SOLE   0 0 424,531
ISHARES TR IBOXX HI YD ETF 464288513   15,745,423 196,082 SH   SOLE   0 0 196,082
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   14,429,615 494,504 SH   SOLE   0 0 494,504
ISHARES TR FLTG RATE NT ETF 46429B655   12,266,443 240,330 SH   SOLE   0 0 240,330
ISHARES TR JPMORGAN USD EMG 464288281   10,661,235 113,926 SH   SOLE   0 0 113,926
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   10,591,871 159,228 SH   SOLE   0 0 159,228
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   10,487,148 126,214 SH   SOLE   0 0 126,214
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,448,369 202,881 SH   SOLE   0 0 202,881
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   10,353,536 153,363 SH   SOLE   0 0 153,363
PIMCO ETF TR INV GRD CRP BD 72201R817   10,150,376 102,065 SH   SOLE   0 0 102,065
ISHARES TR CORE US AGGBD ET 464287226   9,240,272 91,244 SH   SOLE   0 0 91,244
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   8,083,194 309,227 SH   SOLE   0 0 309,227
ISHARES TR CORE MSCI EAFE 46432F842   7,628,553 97,739 SH   SOLE   0 0 97,739
APPLE INC COM 037833100   6,635,140 28,477 SH   SOLE   0 0 28,477
ISHARES TR NATIONAL MUN ETF 464288414   6,132,707 56,455 SH   SOLE   0 0 56,455
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,988,409 70,844 SH   SOLE   0 0 70,844
SPDR SER TR NUVEEN BRC MUNIC 78468R721   5,324,290 113,694 SH   SOLE   0 0 113,694
ISHARES TR CORE MSCI EMKT 46434G103   5,315,649 92,591 SH   SOLE   0 0 92,591
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   5,036,392 234,251 SH   SOLE   0 0 234,251
ISHARES TR CORE S&P SCP ETF 464287804   4,715,305 40,316 SH   SOLE   0 0 40,316
ISHARES TR 0-5YR HI YL CP 46434V407   4,678,679 107,754 SH   SOLE   0 0 107,754
ISHARES TR CORE S&P MCP ETF 464287507   4,497,030 72,160 SH   SOLE   0 0 72,160
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719   4,300,224 231,943 SH   SOLE   0 0 231,943
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,005,894 97,042 SH   SOLE   0 0 97,042
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,825,448 101,849 SH   SOLE   0 0 101,849
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   3,518,650 104,380 SH   SOLE   0 0 104,380
ISHARES TR IBOXX INV CP ETF 464287242   3,509,761 31,065 SH   SOLE   0 0 31,065
ISHARES TR CORE S&P TTL STK 464287150   2,827,044 22,505 SH   SOLE   0 0 22,505
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,662,632 25,558 SH   SOLE   0 0 25,558
ISHARES TR RUS 1000 GRW ETF 464287614   2,538,320 6,762 SH   SOLE   0 0 6,762
MICROSOFT CORP COM 594918104   2,406,308 5,592 SH   SOLE   0 0 5,592
SPDR SER TR PORTFOLIO SM ETF 78468R853   2,094,325 46,019 SH   SOLE   0 0 46,019
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   2,023,707 37,010 SH   SOLE   0 0 37,010
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805   1,584,127 22,611 SH   SOLE   0 0 22,611
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,439,801 31,540 SH   SOLE   0 0 31,540
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,262,957 7,049 SH   SOLE   0 0 7,049
INVESCO QQQ TR UNIT SER 1 46090E103   1,250,251 2,562 SH   SOLE   0 0 2,562
ISHARES TR CORE DIV GRWTH 46434V621   1,169,762 18,659 SH   SOLE   0 0 18,659
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,085,735 22,167 SH   SOLE   0 0 22,167
JPMORGAN CHASE & CO COM 46625H100   1,085,086 5,146 SH   SOLE   0 0 5,146
MERCK & CO INC COM 58933Y105   1,040,323 9,161 SH   SOLE   0 0 9,161
JOHNSON & JOHNSON COM 478160104   1,024,130 6,319 SH   SOLE   0 0 6,319
NVIDIA CORPORATION COM 67066G104   945,982 7,790 SH   SOLE   0 0 7,790
VANGUARD INDEX FDS TOTAL STK MKT 922908769   785,896 2,775 SH   SOLE   0 0 2,775
META PLATFORMS INC CL A 30303M102   776,229 1,356 SH   SOLE   0 0 1,356
AMAZON COM INC COM 023135106   761,344 4,086 SH   SOLE   0 0 4,086
VANGUARD INDEX FDS GROWTH ETF 922908736   726,044 1,891 SH   SOLE   0 0 1,891
ALPHABET INC CAP STK CL C 02079K107   678,791 4,060 SH   SOLE   0 0 4,060
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   649,309 8,079 SH   SOLE   0 0 8,079
AT&T INC COM 00206R102   595,674 27,076 SH   SOLE   0 0 27,076
COCA COLA CONSOLIDATED INC COM 191098102   566,472 7,883 SH   SOLE   0 0 7,883
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   552,727 2,791 SH   SOLE   0 0 2,791
SPDR TR S&P 500 ETF TR TR UNIT 78462F103   483,106 842 SH   SOLE   0 0 842
VANGUARD INDEX FDS VALUE ETF 922908744   463,658 2,656 SH   SOLE   0 0 2,656
INTERNATIONAL BUSINESS MACHS COM 459200101   459,319 2,078 SH   SOLE   0 0 2,078
ISHARES TR RUS 1000 VAL ETF 464287598   446,599 2,353 SH   SOLE   0 0 2,353
ISHARES TR 1 3 YR TREAS BD 464287457   417,877 5,026 SH   SOLE   0 0 5,026
BANK AMER CORP COM 060505104   393,983 9,929 SH   SOLE   0 0 9,929
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   391,292 742 SH   SOLE   0 0 742
CHEVRON CORP NEW COM 166764100   357,866 2,430 SH   SOLE   0 0 2,430
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   355,846 5,721 SH   SOLE   0 0 5,721
NEXTERA ENERGY INC COM 65339F101   344,338 4,074 SH   SOLE   0 0 4,074
CISCO SYS INC COM 17275R102   327,676 6,157 SH   SOLE   0 0 6,157
COSTCO WHSL CORP NEW COM 22160K105   307,608 347 SH   SOLE   0 0 347
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   304,660 2,545 SH   SOLE   0 0 2,545
COLGATE PALMOLIVE CO COM 194162103   298,992 2,880 SH   SOLE   0 0 2,880
ALPHABET INC CAP STK CL A 02079K305   295,213 1,780 SH   SOLE   0 0 1,780
HOME DEPOT INC COM 437076102   290,528 717 SH   SOLE   0 0 717
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   290,111 3,252 SH   SOLE   0 0 3,252
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   286,100 2,232 SH   SOLE   0 0 2,232
ORACLE CORP COM 68389X105   263,438 1,546 SH   SOLE   0 0 1,546
ISHARES TR RUS MD CP GR ETF 464287481   252,877 2,156 SH   SOLE   0 0 2,156
PROCTER AND GAMBLE CO COM 742718109   235,552 1,360 SH   SOLE   0 0 1,360
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   225,304 3,576 SH   SOLE   0 0 3,576
DISNEY WALT CO COM 254687106   223,810 2,327 SH   SOLE   0 0 2,327
SPDR SER TR PORTFOLIO SHORT 78464A474   215,958 7,343 SH   SOLE   0 0 7,343
HERSHEY CO COM 427866108   210,958 1,100 SH   SOLE   0 0 1,100