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   52,609,903 2,269,625 SH   SOLE   0 0 2,269,625
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   24,241,449 1,067,905 SH   SOLE   0 0 1,067,905
SPDR SER TR BLOMBERG BRC INV 78468R200   22,089,911 718,839 SH   SOLE   0 0 718,839
ISHARES TR CORE S&P500 ETF 464287200   21,911,545 37,221 SH   SOLE   0 0 37,221
ISHARES TR IBOXX HI YD ETF 464288513   15,867,031 201,742 SH   SOLE   0 0 201,742
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   15,550,268 840,555 SH   SOLE   0 0 840,555
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   13,352,678 501,415 SH   SOLE   0 0 501,415
ISHARES TR FLTG RATE NT ETF 46429B655   12,595,555 247,554 SH   SOLE   0 0 247,554
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   10,409,842 375,671 SH   SOLE   0 0 375,671
ISHARES TR CORE US AGGBD ET 464287226   10,359,333 106,907 SH   SOLE   0 0 106,907
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   10,269,785 148,967 SH   SOLE   0 0 148,967
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,205,677 394,651 SH   SOLE   0 0 394,651
ISHARES TR JPMORGAN USD EMG 464288281   10,058,270 112,964 SH   SOLE   0 0 112,964
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,705,175 427,541 SH   SOLE   0 0 427,541
PIMCO ETF TR INV GRD CRP BD 72201R817   9,402,318 98,868 SH   SOLE   0 0 98,868
APPLE INC COM 037833100   7,965,412 31,808 SH   SOLE   0 0 31,808
ISHARES TR NATIONAL MUN ETF 464288414   7,755,775 72,790 SH   SOLE   0 0 72,790
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   7,691,597 307,787 SH   SOLE   0 0 307,787
ISHARES TR CORE MSCI EAFE 46432F842   6,903,746 98,232 SH   SOLE   0 0 98,232
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,650,342 206,821 SH   SOLE   0 0 206,821
ISHARES TR CORE MSCI EMKT 46434G103   5,573,242 106,726 SH   SOLE   0 0 106,726
ISHARES TR IBOXX INV CP ETF 464287242   5,134,837 48,061 SH   SOLE   0 0 48,061
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   4,815,212 242,947 SH   SOLE   0 0 242,947
ISHARES TR 0-5YR HI YL CP 46434V407   4,696,943 110,231 SH   SOLE   0 0 110,231
ISHARES TR CORE S&P SCP ETF 464287804   4,651,768 40,373 SH   SOLE   0 0 40,373
ISHARES TR CORE S&P MCP ETF 464287507   4,610,070 73,986 SH   SOLE   0 0 73,986
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719   4,275,397 236,471 SH   SOLE   0 0 236,471
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,807,609 99,234 SH   SOLE   0 0 99,234
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   3,663,059 111,815 SH   SOLE   0 0 111,815
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,361,157 98,481 SH   SOLE   0 0 98,481
SPDR SER TR NUVEEN BRC MUNIC 78468R721   3,315,753 72,682 SH   SOLE   0 0 72,682
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,849,206 102,232 SH   SOLE   0 0 102,232
ISHARES TR RUS 1000 GRW ETF 464287614   2,715,484 6,762 SH   SOLE   0 0 6,762
ISHARES TR CORE S&P TTL STK 464287150   2,554,957 19,864 SH   SOLE   0 0 19,864
MICROSOFT CORP COM 594918104   2,367,691 5,617 SH   SOLE   0 0 5,617
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   1,947,730 35,614 SH   SOLE   0 0 35,614
SPDR SER TR PORTFOLIO SM ETF 78468R853   1,935,378 43,085 SH   SOLE   0 0 43,085
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805   1,350,884 18,912 SH   SOLE   0 0 18,912
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,267,451 29,312 SH   SOLE   0 0 29,312
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,235,253 7,049 SH   SOLE   0 0 7,049
JPMORGAN CHASE & CO COM 46625H100   1,223,959 5,106 SH   SOLE   0 0 5,106
ISHARES TR CORE DIV GRWTH 46434V621   1,170,110 19,076 SH   SOLE   0 0 19,076
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,109,808 46,127 SH   SOLE   0 0 46,127
NVIDIA CORPORATION COM 67066G104   1,089,368 8,112 SH   SOLE   0 0 8,112
INVESCO QQQ TR UNIT SER 1 46090E103   1,059,076 2,072 SH   SOLE   0 0 2,072
AMAZON COM INC COM 023135106   960,709 4,379 SH   SOLE   0 0 4,379
JOHNSON & JOHNSON COM 478160104   911,729 6,304 SH   SOLE   0 0 6,304
MERCK & CO INC COM 58933Y105   907,755 9,125 SH   SOLE   0 0 9,125
META PLATFORMS INC CL A 30303M102   792,195 1,353 SH   SOLE   0 0 1,353
VANGUARD INDEX FDS TOTAL STK MKT 922908769   788,631 2,721 SH   SOLE   0 0 2,721
VANGUARD INDEX FDS GROWTH ETF 922908736   776,176 1,891 SH   SOLE   0 0 1,891
ALPHABET INC CAP STK CL C 02079K107   770,139 4,044 SH   SOLE   0 0 4,044
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   631,859 24,237 SH   SOLE   0 0 24,237
HOME DEPOT INC COM 437076102   627,830 1,614 SH   SOLE   0 0 1,614
AT&T INC COM 00206R102   627,814 27,572 SH   SOLE   0 0 27,572
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   546,504 2,791 SH   SOLE   0 0 2,791
SPDR TR S&P 500 ETF TR TR UNIT 78462F103   511,062 872 SH   SOLE   0 0 872
COCA COLA CONSOLIDATED INC COM 191098102   490,796 7,883 SH   SOLE   0 0 7,883
INTERNATIONAL BUSINESS MACHS COM 459200101   456,758 2,078 SH   SOLE   0 0 2,078
COLGATE PALMOLIVE CO COM 194162103   452,863 4,981 SH   SOLE   0 0 4,981
VANGUARD INDEX FDS VALUE ETF 922908744   449,661 2,656 SH   SOLE   0 0 2,656
ISHARES TR 1 3 YR TREAS BD 464287457   439,983 5,367 SH   SOLE   0 0 5,367
BANK AMER CORP COM 060505104   436,380 9,929 SH   SOLE   0 0 9,929
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   402,741 747 SH   SOLE   0 0 747
ISHARES TR RUS 1000 VAL ETF 464287598   372,667 2,013 SH   SOLE   0 0 2,013
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   364,714 5,721 SH   SOLE   0 0 5,721
CISCO SYS INC COM 17275R102   364,494 6,157 SH   SOLE   0 0 6,157
CHEVRON CORP NEW COM 166764100   347,616 2,400 SH   SOLE   0 0 2,400
ALPHABET INC CAP STK CL A 02079K305   336,954 1,780 SH   SOLE   0 0 1,780
COSTCO WHSL CORP NEW COM 22160K105   315,304 344 SH   SOLE   0 0 344
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   299,035 2,545 SH   SOLE   0 0 2,545
NEXTERA ENERGY INC COM 65339F101   293,671 4,096 SH   SOLE   0 0 4,096
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   274,761 3,252 SH   SOLE   0 0 3,252
ISHARES TR RUS MD CP GR ETF 464287481   273,273 2,156 SH   SOLE   0 0 2,156
DISNEY WALT CO COM 254687106   259,418 2,330 SH   SOLE   0 0 2,330
ORACLE CORP COM 68389X105   257,625 1,546 SH   SOLE   0 0 1,546
GODADDY INC CL A 380237107   239,607 1,214 SH   SOLE   0 0 1,214
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   231,716 633 SH   SOLE   0 0 633
PROCTER AND GAMBLE CO COM 742718109   228,004 1,360 SH   SOLE   0 0 1,360
VERIZON COMMUNICATIONS INC COM 92343V104   227,796 5,696 SH   SOLE   0 0 5,696
SPDR SER TR PORTFOLIO SHORT 78464A474   214,500 7,394 SH   SOLE   0 0 7,394
VISA INC COM CL A 92826C839   210,167 665 SH   SOLE   0 0 665
NETFLIX INC COM 64110L106   205,004 230 SH   SOLE   0 0 230