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
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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   55,737,771 2,280,596 SH   SOLE   0 0 2,280,596
ISHARES TR CORE S&P500 ETF 464287200   24,473,815 39,408 SH   SOLE   0 0 39,408
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   23,889,156 1,027,933 SH   SOLE   0 0 1,027,933
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   18,985,143 859,056 SH   SOLE   0 0 859,056
SPDR SER TR BLOMBERG BRC INV 78468R200   18,948,673 614,618 SH   SOLE   0 0 614,618
ISHARES TR IBOXX HI YD ETF 464288513   15,829,784 196,279 SH   SOLE   0 0 196,279
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   15,721,871 521,628 SH   SOLE   0 0 521,628
ISHARES TR FLTG RATE NT ETF 46429B655   11,578,723 226,944 SH   SOLE   0 0 226,944
ISHARES TR CORE US AGGBD ET 464287226   11,007,703 110,969 SH   SOLE   0 0 110,969
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   10,900,925 388,625 SH   SOLE   0 0 388,625
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,717,979 423,636 SH   SOLE   0 0 423,636
PIMCO ETF TR INV GRD CRP BD 72201R817   10,716,449 110,127 SH   SOLE   0 0 110,127
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   10,701,058 147,215 SH   SOLE   0 0 147,215
ISHARES TR JPMORGAN USD EMG 464288281   10,323,012 111,455 SH   SOLE   0 0 111,455
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   10,213,565 428,601 SH   SOLE   0 0 428,601
ISHARES TR CORE MSCI EAFE 46432F842   8,753,395 104,873 SH   SOLE   0 0 104,873
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   7,838,566 306,194 SH   SOLE   0 0 306,194
ISHARES TR NATIONAL MUN ETF 464288414   7,520,679 71,982 SH   SOLE   0 0 71,982
ISHARES TR CORE MSCI EMKT 46434G103   7,156,150 119,205 SH   SOLE   0 0 119,205
ISHARES TR IBOXX INV CP ETF 464287242   6,424,891 58,617 SH   SOLE   0 0 58,617
APPLE INC COM 037833100   6,173,290 30,089 SH   SOLE   0 0 30,089
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,263,911 198,638 SH   SOLE   0 0 198,638
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   5,120,594 250,641 SH   SOLE   0 0 250,641
ISHARES TR CORE S&P MCP ETF 464287507   5,046,660 81,360 SH   SOLE   0 0 81,360
ISHARES TR CORE S&P SCP ETF 464287804   5,036,245 46,078 SH   SOLE   0 0 46,078
ISHARES TR 0-5YR HI YL CP 46434V407   4,790,352 111,042 SH   SOLE   0 0 111,042
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,298,105 100,564 SH   SOLE   0 0 100,564
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   4,268,723 127,121 SH   SOLE   0 0 127,121
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719   4,241,595 229,772 SH   SOLE   0 0 229,772
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,969,316 98,032 SH   SOLE   0 0 98,032
SPDR SER TR NUVEEN BRC MUNIC 78468R721   3,173,580 71,045 SH   SOLE   0 0 71,045
ISHARES TR CORE S&P TTL STK 464287150   2,991,613 22,148 SH   SOLE   0 0 22,148
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,986,197 102,232 SH   SOLE   0 0 102,232
MICROSOFT CORP COM 594918104   2,861,890 5,754 SH   SOLE   0 0 5,754
ISHARES TR RUS 1000 GRW ETF 464287614   2,818,362 6,638 SH   SOLE   0 0 6,638
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   1,988,731 36,571 SH   SOLE   0 0 36,571
SPDR SER TR PORTFOLIO SM ETF 78468R853   1,969,568 46,234 SH   SOLE   0 0 46,234
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805   1,400,593 18,702 SH   SOLE   0 0 18,702
ISHARES TR CORE DIV GRWTH 46434V621   1,270,457 19,868 SH   SOLE   0 0 19,868
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,270,240 6,989 SH   SOLE   0 0 6,989
JPMORGAN CHASE & CO COM 46625H100   1,259,949 4,346 SH   SOLE   0 0 4,346
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,259,831 29,685 SH   SOLE   0 0 29,685
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,114,992 45,734 SH   SOLE   0 0 45,734
NVIDIA CORPORATION COM 67066G104   1,088,276 6,888 SH   SOLE   0 0 6,888
AMAZON COM INC COM 023135106   980,673 4,470 SH   SOLE   0 0 4,470
INVESCO QQQ TR UNIT SER 1 46090E103   976,746 1,771 SH   SOLE   0 0 1,771
JOHNSON & JOHNSON COM 478160104   966,902 6,330 SH   SOLE   0 0 6,330
META PLATFORMS INC CL A 30303M102   943,279 1,278 SH   SOLE   0 0 1,278
VANGUARD INDEX FDS GROWTH ETF 922908736   829,051 1,891 SH   SOLE   0 0 1,891
VANGUARD INDEX FDS TOTAL STK MKT 922908769   810,339 2,666 SH   SOLE   0 0 2,666
AT&T INC COM 00206R102   800,425 27,658 SH   SOLE   0 0 27,658
MERCK & CO INC COM 58933Y105   722,335 9,125 SH   SOLE   0 0 9,125
ALPHABET INC CAP STK CL C 02079K107   680,113 3,834 SH   SOLE   0 0 3,834
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   670,638 24,237 SH   SOLE   0 0 24,237
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   614,155 3,001 SH   SOLE   0 0 3,001
INTERNATIONAL BUSINESS MACHS COM 459200101   612,571 2,078 SH   SOLE   0 0 2,078
HOME DEPOT INC COM 437076102   591,757 1,614 SH   SOLE   0 0 1,614
COCA COLA CONSOLIDATED INC COM 191098102   557,722 7,883 SH   SOLE   0 0 7,883
SPDR TR S&P 500 ETF TR TR UNIT 78462F103   538,765 872 SH   SOLE   0 0 872
VANGUARD INDEX FDS VALUE ETF 922908744   469,421 2,656 SH   SOLE   0 0 2,656
BANK AMER CORP COM 060505104   465,108 9,829 SH   SOLE   0 0 9,829
ISHARES TR 1 3 YR TREAS BD 464287457   461,907 5,575 SH   SOLE   0 0 5,575
COLGATE PALMOLIVE CO COM 194162103   433,789 4,772 SH   SOLE   0 0 4,772
CISCO SYS INC COM 17275R102   427,173 6,157 SH   SOLE   0 0 6,157
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   425,855 750 SH   SOLE   0 0 750
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   383,421 5,721 SH   SOLE   0 0 5,721
CHEVRON CORP NEW COM 166764100   343,656 2,400 SH   SOLE   0 0 2,400
COSTCO WHSL CORP NEW COM 22160K105   340,904 344 SH   SOLE   0 0 344
ORACLE CORP COM 68389X105   338,002 1,546 SH   SOLE   0 0 1,546
ISHARES TR RUS 1000 VAL ETF 464287598   335,047 1,725 SH   SOLE   0 0 1,725
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   327,296 2,547 SH   SOLE   0 0 2,547
ALPHABET INC CAP STK CL A 02079K305   313,689 1,780 SH   SOLE   0 0 1,780
NETFLIX INC COM 64110L106   308,000 230 SH   SOLE   0 0 230
ISHARES TR RUS MD CP GR ETF 464287481   298,994 2,156 SH   SOLE   0 0 2,156
NEXTERA ENERGY INC COM 65339F101   287,922 4,148 SH   SOLE   0 0 4,148
DISNEY WALT CO COM 254687106   283,580 2,287 SH   SOLE   0 0 2,287
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   273,753 3,252 SH   SOLE   0 0 3,252
VERIZON COMMUNICATIONS INC COM 92343V104   247,632 5,723 SH   SOLE   0 0 5,723
VISA INC COM CL A 92826C839   236,108 665 SH   SOLE   0 0 665
UNITEDHEALTH GROUP INC COM 91324P102   231,170 741 SH   SOLE   0 0 741
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   225,271 3,351 SH   SOLE   0 0 3,351
BANK NEW YORK MELLON CORP COM 064058100   218,664 2,400 SH   SOLE   0 0 2,400
PROCTER AND GAMBLE CO COM 742718109   208,709 1,310 SH   SOLE   0 0 1,310
SPDR SER TR PORTFOLIO SHORT 78464A474   208,252 7,110 SH   SOLE   0 0 7,110
PHILIP MORRIS INTL INC COM 718172109   200,749 3,424 SH   SOLE   0 0 3,424