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   38,297,192 848,221 SH   SOLE   0 0 848,221
ISHARES TR CORE S&P500 ETF 464287200   31,360,123 81,622 SH   SOLE   0 0 81,622
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   22,352,580 489,651 SH   SOLE   0 0 489,651
ISHARES TR CORE US AGGBD ET 464287226   21,709,775 223,835 SH   SOLE   0 0 223,835
SPDR SER TR BLOMBERG BRC INV 78468R200   21,461,230 706,194 SH   SOLE   0 0 706,194
ISHARES TR FLTG RATE NT ETF 46429B655   19,611,624 389,661 SH   SOLE   0 0 389,661
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   15,798,927 490,498 SH   SOLE   0 0 490,498
ISHARES TR CORE MSCI EAFE 46432F842   15,402,804 249,883 SH   SOLE   0 0 249,883
ISHARES TR JPMORGAN USD EMG 464288281   13,425,588 158,714 SH   SOLE   0 0 158,714
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719   12,739,311 744,119 SH   SOLE   0 0 744,119
ISHARES TR IBOXX HI YD ETF 464288513   12,486,918 169,590 SH   SOLE   0 0 169,590
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   11,273,686 476,286 SH   SOLE   0 0 476,286
SPDR TR S&P 500 ETF TR TR UNIT 78462F103   11,083,730 28,982 SH   SOLE   0 0 28,982
ISHARES TR CORE S&P MCP ETF 464287507   10,718,644 44,312 SH   SOLE   0 0 44,312
ISHARES TR NATIONAL MUN ETF 464288414   10,693,819 101,344 SH   SOLE   0 0 101,344
ISHARES TR CORE S&P SCP ETF 464287804   10,473,026 110,662 SH   SOLE   0 0 110,662
ISHARES TR CORE MSCI EMKT 46434G103   10,375,174 222,166 SH   SOLE   0 0 222,166
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   9,608,368 146,447 SH   SOLE   0 0 146,447
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   9,352,369 230,866 SH   SOLE   0 0 230,866
PIMCO ETF TR INV GRD CRP BD 72201R817   9,192,350 98,842 SH   SOLE   0 0 98,842
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   9,036,916 200,910 SH   SOLE   0 0 200,910
APPLE INC COM 037833100   8,415,075 64,766 SH   SOLE   0 0 64,766
ISHARES TR IBOXX INV CP ETF 464287242   7,701,713 73,050 SH   SOLE   0 0 73,050
ISHARES TR 0-5YR HI YL CP 46434V407   7,590,993 185,644 SH   SOLE   0 0 185,644
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,223,918 161,212 SH   SOLE   0 0 161,212
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,215,011 243,011 SH   SOLE   0 0 243,011
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   6,812,424 271,087 SH   SOLE   0 0 271,087
SPDR SER TR NUVEEN BRC MUNIC 78468R721   6,771,149 148,425 SH   SOLE   0 0 148,425
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   6,726,320 360,274 SH   SOLE   0 0 360,274
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   6,145,390 193,069 SH   SOLE   0 0 193,069
ISHARES TR CORE S&P TTL STK 464287150   5,817,958 68,608 SH   SOLE   0 0 68,608
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,431,859 164,802 SH   SOLE   0 0 164,802
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,279,025 56,646 SH   SOLE   0 0 56,646
ISHARES TR CORE DIV GRWTH 46434V621   2,909,243 58,185 SH   SOLE   0 0 58,185
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,578,562 53,453 SH   SOLE   0 0 53,453
ISHARES TR 1 3 YR TREAS BD 464287457   2,520,838 31,056 SH   SOLE   0 0 31,056
ISHARES TR NASDAQ BIOTECH 464287556   2,347,203 17,878 SH   SOLE   0 0 17,878
MICROSOFT CORP COM 594918104   2,287,437 9,538 SH   SOLE   0 0 9,538
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   2,161,463 50,858 SH   SOLE   0 0 50,858
SPDR SER TR PORTFOLIO SM ETF 78468R853   2,131,679 57,660 SH   SOLE   0 0 57,660
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,737,396 43,896 SH   SOLE   0 0 43,896
INVESCO QQQ TR UNIT SER 1 46090E103   1,636,184 6,145 SH   SOLE   0 0 6,145
ISHARES TR RUS 1000 GRW ETF 464287614   1,578,145 7,366 SH   SOLE   0 0 7,366
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,441,338 25,942 SH   SOLE   0 0 25,942
JPMORGAN CHASE & CO COM 46625H100   1,318,337 9,831 SH   SOLE   0 0 9,831
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805   1,228,581 25,980 SH   SOLE   0 0 25,980
JOHNSON & JOHNSON COM 478160104   1,122,794 6,356 SH   SOLE   0 0 6,356
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,082,672 7,665 SH   SOLE   0 0 7,665
MERCK & CO INC COM 58933Y105   977,248 8,808 SH   SOLE   0 0 8,808
META PLATFORMS INC CL A 30303M102   839,733 6,978 SH   SOLE   0 0 6,978
SELECT SECTOR SPDR TR ENERGY 81369Y506   806,823 9,224 SH   SOLE   0 0 9,224
VANGUARD INDEX FDS TOTAL STK MKT 922908769   655,159 3,427 SH   SOLE   0 0 3,427
AT&T INC COM 00206R102   623,955 33,892 SH   SOLE   0 0 33,892
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   572,299 2,613 SH   SOLE   0 0 2,613
COCA COLA CONSOLIDATED INC COM 191098102   558,559 8,781 SH   SOLE   0 0 8,781
ALPHABET INC CAP STK CL A 02079K305   546,320 6,192 SH   SOLE   0 0 6,192
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   541,034 8,195 SH   SOLE   0 0 8,195
SPDR SER TR PORTFOLIO SHORT 78464A474   532,773 18,441 SH   SOLE   0 0 18,441
VISA INC COM CL A 92826C839   484,289 2,331 SH   SOLE   0 0 2,331
ISHARES TR RUS 1000 VAL ETF 464287598   475,500 3,136 SH   SOLE   0 0 3,136
BANK AMER CORP COM 060505104   469,608 14,179 SH   SOLE   0 0 14,179
CHEVRON CORP NEW COM 166764100   453,392 2,526 SH   SOLE   0 0 2,526
ISHARES TR US AER DEF ETF 464288760   435,135 3,890 SH   SOLE   0 0 3,890
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   423,769 2,791 SH   SOLE   0 0 2,791
HOME DEPOT INC COM 437076102   413,145 1,308 SH   SOLE   0 0 1,308
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   410,399 9,863 SH   SOLE   0 0 9,863
PFIZER INC COM 717081103   371,051 7,241 SH   SOLE   0 0 7,241
CISCO SYS INC COM 17275R102   365,732 7,677 SH   SOLE   0 0 7,677
COLGATE PALMOLIVE CO COM 194162103   340,449 4,321 SH   SOLE   0 0 4,321
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   338,370 7,516 SH   SOLE   0 0 7,516
DISNEY WALT CO COM 254687106   322,729 3,715 SH   SOLE   0 0 3,715
BRISTOL MYERS SQUIBB CO COM 110122108   309,889 4,307 SH   SOLE   0 0 4,307
Procter & Gamble Co COM 742718109   309,486 2,042 SH   SOLE   0 0 2,042
LAS VEGAS SANDS CORP COM 517834107   302,841 6,300 SH   SOLE   0 0 6,300
VERIZON COMMUNICATIONS INC COM 92343V104   298,221 7,569 SH   SOLE   0 0 7,569
NEXTERA ENERGY INC COM 65339F101   293,698 3,513 SH   SOLE   0 0 3,513
VANGUARD WORLD FDS INF TECH ETF 92204A702   281,400 881 SH   SOLE   0 0 881
PHILIP MORRIS INTL INC COM 718172109   275,997 6,038 SH   SOLE   0 0 6,038
ISHARES TR RUSSELL 1000 US 46435G169   270,518 1,285 SH   SOLE   0 0 1,285
AMAZON COM INC COM 023135106   268,212 3,193 SH   SOLE   0 0 3,193
COUPANG INC CL A 22266T109   264,339 17,970 SH   SOLE   0 0 17,970
HERSHEY CO COM 427866108   254,727 1,100 SH   SOLE   0 0 1,100
SPDR SER TR BLOOMBERG HIGH Y 78468R622   250,920 2,788 SH   SOLE   0 0 2,788
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   245,724 4,901 SH   SOLE   0 0 4,901
BOEING CO COM 097023105   237,160 1,245 SH   SOLE   0 0 1,245
CONSOLIDATED EDISON INC COM 209115104   226,266 2,374 SH   SOLE   0 0 2,374
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   225,719 3,684 SH   SOLE   0 0 3,684
PEPSICO INC COM 713448108   224,585 1,243 SH   SOLE   0 0 1,243
ISHARES TR S&P 100 ETF 464287101   214,406 1,257 SH   SOLE   0 0 1,257
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   207,764 591 SH   SOLE   0 0 591
INTERNATIONAL BUSINESS MACHS COM 459200101   206,518 1,466 SH   SOLE   0 0 1,466