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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 BBG001S5N9M6 339,488 3,114 SH   SOLE   0 0 3,114
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 392,199 2,911 SH   SOLE   0 0 2,911
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 2,664,163 22,257 SH   SOLE   0 0 22,257
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,353,658 19,457 SH   SOLE   0 0 19,457
AMAZON COM INC COM 023135106 BBG001S5PQL7 4,387,216 33,655 SH   SOLE   0 0 33,655
AMERICAN HOMES 4 RENT CL A 02665T306 BBG003NXJNJ4 356,237 10,049 SH   SOLE   0 0 10,049
AMERISOURCEBERGEN CORP COM 03073E105 BBG001S8X7P0 2,348,801 12,206 SH   SOLE   0 0 12,206
AMGEN INC COM 031162100 BBG001S5NNL6 1,290,602 5,813 SH   SOLE   0 0 5,813
APPLE INC COM 037833100 BBG001S5N8V8 42,613,404 219,691 SH   SOLE   0 0 219,691
BIOGEN INC COM 09062X103 BBG001S67826 1,029,448 3,614 SH   SOLE   0 0 3,614
BOEING CO COM 097023105 BBG001S5P0V3 517,553 2,451 SH   SOLE   0 0 2,451
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 883,981 13,823 SH   SOLE   0 0 13,823
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 632,017 15,211 SH   SOLE   0 0 15,211
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 2,003,472 3,721 SH   SOLE   0 0 3,721
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 522,598 15,909 SH   SOLE   0 0 15,909
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 281,002 10,350 SH   SOLE   0 0 10,350
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 491,473 10,205 SH   SOLE   0 0 10,205
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 342,137 9,917 SH   SOLE   0 0 9,917
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 2,999,079 54,728 SH   SOLE   0 0 54,728
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 222,718 4,801 SH   SOLE   0 0 4,801
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 259,487 11,132 SH   SOLE   0 0 11,132
DISNEY WALT CO COM 254687106 BBG001S5QHF3 397,385 4,451 SH   SOLE   0 0 4,451
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 BBG001SBT983 384,903 7,117 SH   SOLE   0 0 7,117
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 204,752 5,745 SH   SOLE   0 0 5,745
HALEON PLC SPON ADS 405552100 BBG018GZNDB0 96,412 11,505 SH   SOLE   0 0 11,505
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,371,967 4,417 SH   SOLE   0 0 4,417
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 746,585 3,598 SH   SOLE   0 0 3,598
INTEL CORP COM 458140100 BBG001S5SF65 207,194 6,196 SH   SOLE   0 0 6,196
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 1,408,793 10,528 SH   SOLE   0 0 10,528
INTUIT COM 461202103 BBG001S6TWR2 2,019,702 4,408 SH   SOLE   0 0 4,408
INVESCO EXCH TRD SLF IDX FD BULETSHS 2027 46138J585 BBG00Q5LFH79 2,536,420 117,210 SH   SOLE   0 0 117,210
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 BBG00KJR0YJ0 6,604,931 311,995 SH   SOLE   0 0 311,995
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 BBG00KJR0Z89 7,224,924 307,313 SH   SOLE   0 0 307,313
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 BBG00KJR2GD3 11,518,612 559,971 SH   SOLE   0 0 559,971
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833 BBG00KJR2H78 11,131,854 495,189 SH   SOLE   0 0 495,189
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 11,210,585 556,909 SH   SOLE   0 0 556,909
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817 BBG00KXH4WB4 10,977,936 486,826 SH   SOLE   0 0 486,826
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 BBG00KJR2K35 10,080,357 532,085 SH   SOLE   0 0 532,085
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 BBG00KJR2L24 5,896,730 309,938 SH   SOLE   0 0 309,938
INVESCO EXCH TRD SLF IDX FD INVSCO 28 HYCORP 46138J452 BBG00X3HZJZ8 893,253 42,546 SH   SOLE   0 0 42,546
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635 BBG00LNJYDS0 10,401,239 456,195 SH   SOLE   0 0 456,195
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 BBG00LNJW5P2 3,519,605 178,253 SH   SOLE   0 0 178,253
INVESCO EXCHANGE TRADED FD T DYNMC LEISURE 46137V720 BBG001SN68L9 749,033 17,911 SH   SOLE   0 0 17,911
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 2,173,155 14,523 SH   SOLE   0 0 14,523
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 3,791,920 10,265 SH   SOLE   0 0 10,265
ISHARES INC MSCI EQUAL WEITE 464286681 BBG001T8MYT8 10,351,314 131,364 SH   SOLE   0 0 131,364
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 474,561 5,853 SH   SOLE   0 0 5,853
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 1,463,778 14,523 SH   SOLE   0 0 14,523
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 446,345 6,613 SH   SOLE   0 0 6,613
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 13,291,766 50,833 SH   SOLE   0 0 50,833
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 9,319,726 93,525 SH   SOLE   0 0 93,525
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 4,216,871 43,100 SH   SOLE   0 0 43,100
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 39,342,557 88,269 SH   SOLE   0 0 88,269
ISHARES TR EUROPE ETF 464287861 BBG001SFGXD9 258,222 5,109 SH   SOLE   0 0 5,109
ISHARES TR GLOBAL TECH ETF 464287291 BBG001S60KQ0 698,705 11,235 SH   SOLE   0 0 11,235
ISHARES TR IBONDS 2026 TERM 46436E528 BBG00Y1B7X63 486,772 21,397 SH   SOLE   0 0 21,397
ISHARES TR IBONDS 2027 TERM 46436E478 BBG011MMQW86 367,698 16,847 SH   SOLE   0 0 16,847
ISHARES TR IBONDS 23 TRM HG 46435U150 BBG00P3CWH01 397,787 16,834 SH   SOLE   0 0 16,834
ISHARES TR IBONDS 24 TRM HG 46435U184 BBG00P3CTJ01 787,140 34,105 SH   SOLE   0 0 34,105
ISHARES TR IBONDS 25 TRM HG 46435U168 BBG00P3CSKH1 711,838 30,949 SH   SOLE   0 0 30,949
ISHARES TR IBONDS 27 ETF 46435UAA9 BBG00HPLJP02 560,890 23,888 SH   SOLE   0 0 23,888
ISHARES TR IBONDS DEC2026 46435GAA0 BBG00DST7FD2 838,536 35,728 SH   SOLE   0 0 35,728
ISHARES TR IBONDS DEC23 ETF 46434VAX8 BBG0088JLVM6 538,534 21,294 SH   SOLE   0 0 21,294
ISHARES TR IBONDS DEC24 ETF 46434VBG4 BBG0088JX0B3 1,375,276 55,860 SH   SOLE   0 0 55,860
ISHARES TR IBONDS DEC25 ETF 46434VBD1 BBG0088JX9H8 1,428,333 58,586 SH   SOLE   0 0 58,586
ISHARES TR INTL SEL DIV ETF 464288448 BBG001S7Y5C9 919,136 34,908 SH   SOLE   0 0 34,908
ISHARES TR ISHARES SEMICDTR 464287523 BBG001SJ8F58 649,293 1,280 SH   SOLE   0 0 1,280
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 6,824,137 94,126 SH   SOLE   0 0 94,126
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 260,711 6,590 SH   SOLE   0 0 6,590
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 524,941 16,972 SH   SOLE   0 0 16,972
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,326,977 4,822 SH   SOLE   0 0 4,822
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,657,242 6,829 SH   SOLE   0 0 6,829
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 724,777 9,924 SH   SOLE   0 0 9,924
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 788,807 4,212 SH   SOLE   0 0 4,212
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 12,505,874 177,439 SH   SOLE   0 0 177,439
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 16,979,127 105,336 SH   SOLE   0 0 105,336
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 2,263,333 30,178 SH   SOLE   0 0 30,178
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 5,088,761 47,501 SH   SOLE   0 0 47,501
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 1,606,496 13,978 SH   SOLE   0 0 13,978
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 4,640,410 40,957 SH   SOLE   0 0 40,957
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 6,059,694 63,726 SH   SOLE   0 0 63,726
ISHARES TR U.S. ENERGY ETF 464287796 BBG001SFGXW8 3,085,852 72,032 SH   SOLE   0 0 72,032
ISHARES TR U.S. FINLS ETF 464287788 BBG001SFC802 4,164,645 55,819 SH   SOLE   0 0 55,819
ISHARES U S ETF TR U.S. TECH INDEPD 46431W648 BBG00KDZS4F8 628,801 11,412 SH   SOLE   0 0 11,412
ISHARES U S ETF TR US CONSUMER FOC 46431W663 BBG00KDZR0N8 300,567 7,448 SH   SOLE   0 0 7,448
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,665,001 10,059 SH   SOLE   0 0 10,059
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,291,751 15,757 SH   SOLE   0 0 15,757
LILLY ELI & CO COM 532457108 BBG001S5STL8 2,499,663 5,330 SH   SOLE   0 0 5,330
LINDE PLC SHS G54950103 BBG01FND0CH6 266,375 699 SH   SOLE   0 0 699
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 649,596 1,411 SH   SOLE   0 0 1,411
LOWES COS INC COM 548661107 BBG001S5SVL3 1,722,104 7,630 SH   SOLE   0 0 7,630
MCDONALDS CORP COM 580135101 BBG001S5T110 1,137,539 3,812 SH   SOLE   0 0 3,812
MERCK & CO INC COM 58933Y105 BBG001S5TC52 603,638 5,231 SH   SOLE   0 0 5,231
MICROSOFT CORP COM 594918104 BBG001S5TD05 4,274,954 12,553 SH   SOLE   0 0 12,553
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 247,889 3,399 SH   SOLE   0 0 3,399
OCCIDENTAL PETE CORP COM 674599105 BBG001S5TZG9 346,097 5,886 SH   SOLE   0 0 5,886
ORACLE CORP COM 68389X105 BBG001S5SJG6 534,000 4,484 SH   SOLE   0 0 4,484
PEPSICO INC COM 713448108 BBG001S695T1 346,598 1,871 SH   SOLE   0 0 1,871
PFIZER INC COM 717081103 BBG001S5V466 1,316,687 35,897 SH   SOLE   0 0 35,897
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 1,053,203 10,751 SH   SOLE   0 0 10,751
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 568,234 10,025 SH   SOLE   0 0 10,025
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 307,457 12,483 SH   SOLE   0 0 12,483
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 783,973 21,991 SH   SOLE   0 0 21,991
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 510,885 9,882 SH   SOLE   0 0 9,882
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 319,812 4,267 SH   SOLE   0 0 4,267
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 579,955 8,644 SH   SOLE   0 0 8,644
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,126,347 21,507 SH   SOLE   0 0 21,507
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 1,543,167 21,726 SH   SOLE   0 0 21,726
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 974,725 22,254 SH   SOLE   0 0 22,254
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 884,854 26,249 SH   SOLE   0 0 26,249
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 238,583 1,405 SH   SOLE   0 0 1,405
SNAP ON INC COM 833034101 BBG001S5W688 570,328 1,979 SH   SOLE   0 0 1,979
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 306,624 1,720 SH   SOLE   0 0 1,720
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,269,114 5,119 SH   SOLE   0 0 5,119
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 403,112 9,331 SH   SOLE   0 0 9,331
SPDR SER TR SPDR S&P 500 ETF 78468R796 BBG00BKMB118 338,949 9,371 SH   SOLE   0 0 9,371
STRYKER CORPORATION COM 863667101 BBG001S8FR03 286,480 939 SH   SOLE   0 0 939
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 319,603 1,139 SH   SOLE   0 0 1,139
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 401,088 4,365 SH   SOLE   0 0 4,365
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 252,259 892 SH   SOLE   0 0 892
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 3,124,374 15,412 SH   SOLE   0 0 15,412
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 938,512 4,263 SH   SOLE   0 0 4,263
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 321,062 3,842 SH   SOLE   0 0 3,842
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 460,287 1,130 SH   SOLE   0 0 1,130
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 752,818 3,785 SH   SOLE   0 0 3,785
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 4,052,378 18,396 SH   SOLE   0 0 18,396
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 282,569 1,989 SH   SOLE   0 0 1,989
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 1,158,147 21,286 SH   SOLE   0 0 21,286
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 222,838 2,017 SH   SOLE   0 0 2,017
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 1,447,700 14,928 SH   SOLE   0 0 14,928
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 2,071,800 44,864 SH   SOLE   0 0 44,864
WALMART INC COM 931142103 BBG001S5XH92 505,111 3,214 SH   SOLE   0 0 3,214
WNS HLDGS LTD SPON ADR 92932M101 BBG001SBK8N7 250,132 3,393 SH   SOLE   0 0 3,393
YUM BRANDS INC COM 988498101 BBG001S7JQ30 692,334 4,997 SH   SOLE   0 0 4,997
YUM CHINA HLDGS INC COM 98850P109 BBG00B8N0HH0 271,031 4,797 SH   SOLE   0 0 4,797
ZIMMER BIOMET HOLDINGS INC COM 98956P102 BBG001S7DQJ9 404,331 2,777 SH   SOLE   0 0 2,777
ZIONS BANCORPORATION N A COM 989701107 BBG001S5XN80 576,496 21,463 SH   SOLE   0 0 21,463