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
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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   48,719,795 2,206,512 SH   SOLE   0 0 2,206,512
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   25,231,579 1,089,446 SH   SOLE   0 0 1,089,446
ISHARES TR CORE S&P500 ETF 464287200   21,366,188 38,025 SH   SOLE   0 0 38,025
SPDR SER TR BLOMBERG BRC INV 78468R200   20,618,085 668,984 SH   SOLE   0 0 668,984
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   16,844,332 851,584 SH   SOLE   0 0 851,584
ISHARES TR IBOXX HI YD ETF 464288513   16,129,457 204,455 SH   SOLE   0 0 204,455
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   14,697,040 533,081 SH   SOLE   0 0 533,081
ISHARES TR FLTG RATE NT ETF 46429B655   12,292,039 240,784 SH   SOLE   0 0 240,784
ISHARES TR CORE US AGGBD ET 464287226   11,331,737 114,555 SH   SOLE   0 0 114,555
ISHARES TR JPMORGAN USD EMG 464288281   10,613,267 117,157 SH   SOLE   0 0 117,157
PIMCO ETF TR INV GRD CRP BD 72201R817   10,454,573 108,035 SH   SOLE   0 0 108,035
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   9,625,357 146,371 SH   SOLE   0 0 146,371
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   9,543,583 364,259 SH   SOLE   0 0 364,259
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   8,950,196 381,997 SH   SOLE   0 0 381,997
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,862,809 411,649 SH   SOLE   0 0 411,649
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   8,096,359 317,007 SH   SOLE   0 0 317,007
ISHARES TR CORE MSCI EAFE 46432F842   7,932,007 104,851 SH   SOLE   0 0 104,851
ISHARES TR NATIONAL MUN ETF 464288414   7,695,328 72,983 SH   SOLE   0 0 72,983
APPLE INC COM 037833100   6,710,195 30,208 SH   SOLE   0 0 30,208
ISHARES TR CORE MSCI EMKT 46434G103   6,596,786 122,231 SH   SOLE   0 0 122,231
ISHARES TR IBOXX INV CP ETF 464287242   6,135,495 56,449 SH   SOLE   0 0 56,449
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,818,479 208,100 SH   SOLE   0 0 208,100
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   5,178,234 256,729 SH   SOLE   0 0 256,729
ISHARES TR 0-5YR HI YL CP 46434V407   4,719,677 110,999 SH   SOLE   0 0 110,999
ISHARES TR CORE S&P MCP ETF 464287507   4,503,294 77,177 SH   SOLE   0 0 77,177
ISHARES TR CORE S&P SCP ETF 464287804   4,448,079 42,537 SH   SOLE   0 0 42,537
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719   4,187,304 231,855 SH   SOLE   0 0 231,855
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,129,047 104,878 SH   SOLE   0 0 104,878
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   4,046,172 121,726 SH   SOLE   0 0 121,726
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,668,672 100,760 SH   SOLE   0 0 100,760
SPDR SER TR NUVEEN BRC MUNIC 78468R721   3,171,936 70,378 SH   SOLE   0 0 70,378
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,559,889 102,232 SH   SOLE   0 0 102,232
ISHARES TR CORE S&P TTL STK 464287150   2,544,023 20,851 SH   SOLE   0 0 20,851
ISHARES TR RUS 1000 GRW ETF 464287614   2,441,691 6,762 SH   SOLE   0 0 6,762
MICROSOFT CORP COM 594918104   2,108,737 5,617 SH   SOLE   0 0 5,617
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   1,789,048 34,956 SH   SOLE   0 0 34,956
SPDR SER TR PORTFOLIO SM ETF 78468R853   1,746,566 42,850 SH   SOLE   0 0 42,850
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,340,547 30,288 SH   SOLE   0 0 30,288
ISHARES TR CORE DIV GRWTH 46434V621   1,268,036 20,525 SH   SOLE   0 0 20,525
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805   1,236,014 18,174 SH   SOLE   0 0 18,174
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,210,760 6,989 SH   SOLE   0 0 6,989
JPMORGAN CHASE & CO COM 46625H100   1,164,684 4,748 SH   SOLE   0 0 4,748
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,115,920 45,847 SH   SOLE   0 0 45,847
JOHNSON & JOHNSON COM 478160104   1,046,963 6,313 SH   SOLE   0 0 6,313
INVESCO QQQ TR UNIT SER 1 46090E103   825,591 1,761 SH   SOLE   0 0 1,761
MERCK & CO INC COM 58933Y105   819,060 9,125 SH   SOLE   0 0 9,125
AMAZON COM INC COM 023135106   793,384 4,170 SH   SOLE   0 0 4,170
AT&T INC COM 00206R102   781,024 27,618 SH   SOLE   0 0 27,618
NVIDIA CORPORATION COM 67066G104   762,784 7,038 SH   SOLE   0 0 7,038
VANGUARD INDEX FDS TOTAL STK MKT 922908769   740,749 2,695 SH   SOLE   0 0 2,695
META PLATFORMS INC CL A 30303M102   736,588 1,278 SH   SOLE   0 0 1,278
VANGUARD INDEX FDS GROWTH ETF 922908736   701,252 1,891 SH   SOLE   0 0 1,891
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   644,219 24,237 SH   SOLE   0 0 24,237
ALPHABET INC CAP STK CL C 02079K107   598,986 3,834 SH   SOLE   0 0 3,834
HOME DEPOT INC COM 437076102   591,515 1,614 SH   SOLE   0 0 1,614
COCA COLA CONSOLIDATED INC COM 191098102   564,580 7,883 SH   SOLE   0 0 7,883
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   519,060 2,676 SH   SOLE   0 0 2,676
INTERNATIONAL BUSINESS MACHS COM 459200101   516,696 2,078 SH   SOLE   0 0 2,078
SPDR TR S&P 500 ETF TR TR UNIT 78462F103   487,788 872 SH   SOLE   0 0 872
VANGUARD INDEX FDS VALUE ETF 922908744   458,797 2,656 SH   SOLE   0 0 2,656
ISHARES TR 1 3 YR TREAS BD 464287457   457,466 5,530 SH   SOLE   0 0 5,530
COLGATE PALMOLIVE CO COM 194162103   447,023 4,771 SH   SOLE   0 0 4,771
BANK AMER CORP COM 060505104   410,164 9,829 SH   SOLE   0 0 9,829
CHEVRON CORP NEW COM 166764100   401,496 2,400 SH   SOLE   0 0 2,400
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   385,281 750 SH   SOLE   0 0 750
CISCO SYS INC COM 17275R102   379,948 6,157 SH   SOLE   0 0 6,157
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   346,006 5,721 SH   SOLE   0 0 5,721
ISHARES TR RUS 1000 VAL ETF 464287598   345,838 1,838 SH   SOLE   0 0 1,838
COSTCO WHSL CORP NEW COM 22160K105   325,570 344 SH   SOLE   0 0 344
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   295,268 2,547 SH   SOLE   0 0 2,547
NEXTERA ENERGY INC COM 65339F101   292,235 4,122 SH   SOLE   0 0 4,122
ALPHABET INC CAP STK CL A 02079K305   275,259 1,780 SH   SOLE   0 0 1,780
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   267,640 3,252 SH   SOLE   0 0 3,252
VERIZON COMMUNICATIONS INC COM 92343V104   259,010 5,710 SH   SOLE   0 0 5,710
ISHARES TR RUS MD CP GR ETF 464287481   253,308 2,156 SH   SOLE   0 0 2,156
VISA INC COM CL A 92826C839   233,056 665 SH   SOLE   0 0 665
DISNEY WALT CO COM 254687106   225,702 2,287 SH   SOLE   0 0 2,287
PROCTER AND GAMBLE CO COM 742718109   223,250 1,310 SH   SOLE   0 0 1,310
ORACLE CORP COM 68389X105   216,146 1,546 SH   SOLE   0 0 1,546
SPDR SER TR PORTFOLIO SHORT 78464A474   215,236 7,361 SH   SOLE   0 0 7,361
NETFLIX INC COM 64110L106   214,482 230 SH   SOLE   0 0 230
PHILIP MORRIS INTL INC COM 718172109   205,508 3,424 SH   SOLE   0 0 3,424
BANK NEW YORK MELLON CORP COM 064058100   201,288 2,400 SH   SOLE   0 0 2,400