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
ISHARES TR CORE S&P500 ETF 464287200   43,239,280 100,690 SH   SOLE   0 0 100,690
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   39,466,862 779,978 SH   SOLE   0 0 779,978
ISHARES TR FLTG RATE NT ETF 46429B655   28,165,944 553,467 SH   SOLE   0 0 553,467
ISHARES TR CORE US AGGBD ET 464287226   25,712,835 273,424 SH   SOLE   0 0 273,424
SPDR SER TR BLOMBERG BRC INV 78468R200   25,340,112 824,873 SH   SOLE   0 0 824,873
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   23,655,335 534,826 SH   SOLE   0 0 534,826
ISHARES TR CORE MSCI EAFE 46432F842   17,706,942 275,166 SH   SOLE   0 0 275,166
ISHARES TR JPMORGAN USD EMG 464288281   17,067,817 206,832 SH   SOLE   0 0 206,832
ISHARES TR IBOXX HI YD ETF 464288513   16,252,473 220,462 SH   SOLE   0 0 220,462
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   14,024,549 412,973 SH   SOLE   0 0 412,973
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719   13,341,731 781,132 SH   SOLE   0 0 781,132
ISHARES TR CORE MSCI EMKT 46434G103   13,278,562 279,020 SH   SOLE   0 0 279,020
ISHARES TR CORE S&P MCP ETF 464287507   12,573,091 50,423 SH   SOLE   0 0 50,423
ISHARES TR CORE S&P SCP ETF 464287804   12,446,730 131,949 SH   SOLE   0 0 131,949
ISHARES TR NATIONAL MUN ETF 464288414   11,966,008 116,696 SH   SOLE   0 0 116,696
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   11,653,663 486,786 SH   SOLE   0 0 486,786
SPDR TR S&P 500 ETF TR TR UNIT 78462F103   11,412,167 26,696 SH   SOLE   0 0 26,696
APPLE INC COM 037833100   11,052,465 64,555 SH   SOLE   0 0 64,555
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   9,373,964 138,504 SH   SOLE   0 0 138,504
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   9,260,453 380,462 SH   SOLE   0 0 380,462
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   9,151,575 182,085 SH   SOLE   0 0 182,085
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   9,136,449 220,581 SH   SOLE   0 0 220,581
ISHARES TR IBOXX INV CP ETF 464287242   8,546,797 83,776 SH   SOLE   0 0 83,776
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,487,963 170,270 SH   SOLE   0 0 170,270
ISHARES TR CORE S&P TTL STK 464287150   8,414,172 89,332 SH   SOLE   0 0 89,332
PIMCO ETF TR INV GRD CRP BD 72201R817   8,276,331 90,829 SH   SOLE   0 0 90,829
ISHARES TR 0-5YR HI YL CP 46434V407   7,633,067 186,036 SH   SOLE   0 0 186,036
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,164,493 198,790 SH   SOLE   0 0 198,790
SPDR SER TR NUVEEN BRC MUNIC 78468R721   6,154,053 140,825 SH   SOLE   0 0 140,825
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,620,845 167,437 SH   SOLE   0 0 167,437
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   4,834,843 153,731 SH   SOLE   0 0 153,731
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   4,197,451 229,746 SH   SOLE   0 0 229,746
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,090,012 57,801 SH   SOLE   0 0 57,801
ISHARES TR CORE DIV GRWTH 46434V621   3,479,903 70,259 SH   SOLE   0 0 70,259
MICROSOFT CORP COM 594918104   3,357,254 10,633 SH   SOLE   0 0 10,633
ISHARES TR RUS 1000 GRW ETF 464287614   2,593,734 9,751 SH   SOLE   0 0 9,751
ISHARES TR 1 3 YR TREAS BD 464287457   2,395,076 29,580 SH   SOLE   0 0 29,580
UNITED PARCEL SERVICE INC CL B 911312106   2,276,014 14,602 SH   SOLE   0 0 14,602
INVESCO QQQ TR UNIT SER 1 46090E103   2,178,139 6,080 SH   SOLE   0 0 6,080
META PLATFORMS INC CL A 30303M102   2,102,671 7,004 SH   SOLE   0 0 7,004
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   2,079,322 47,484 SH   SOLE   0 0 47,484
SPDR SER TR PORTFOLIO SM ETF 78468R853   2,068,677 56,062 SH   SOLE   0 0 56,062
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,916,152 40,012 SH   SOLE   0 0 40,012
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,860,178 25,580 SH   SOLE   0 0 25,580
ISHARES TR NASDAQ BIOTECH 464287556   1,787,635 14,618 SH   SOLE   0 0 14,618
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,621,876 46,247 SH   SOLE   0 0 46,247
JPMORGAN CHASE & CO COM 46625H100   1,490,371 10,277 SH   SOLE   0 0 10,277
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805   1,447,922 27,585 SH   SOLE   0 0 27,585
JOHNSON & JOHNSON COM 478160104   1,032,565 6,630 SH   SOLE   0 0 6,630
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   998,819 7,049 SH   SOLE   0 0 7,049
ALPHABET INC CAP STK CL A 02079K305   980,403 7,492 SH   SOLE   0 0 7,492
SELECT SECTOR SPDR TR ENERGY 81369Y506   968,258 10,712 SH   SOLE   0 0 10,712
MERCK & CO INC COM 58933Y105   914,826 8,886 SH   SOLE   0 0 8,886
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   703,864 2,613 SH   SOLE   0 0 2,613
VANGUARD INDEX FDS TOTAL STK MKT 922908769   605,568 2,851 SH   SOLE   0 0 2,851
ISHARES TR RUS 1000 VAL ETF 464287598   586,406 3,863 SH   SOLE   0 0 3,863
VISA INC COM CL A 92826C839   541,214 2,353 SH   SOLE   0 0 2,353
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   523,544 8,122 SH   SOLE   0 0 8,122
VANGUARD INDEX FDS GROWTH ETF 922908736   516,751 1,898 SH   SOLE   0 0 1,898
SPDR GOLD TR SPDR GOLD TR 78463V107   513,836 2,997 SH   SOLE   0 0 2,997
AMAZON COM INC COM 023135106   482,039 3,792 SH   SOLE   0 0 3,792
RESIDEO TECHNOLOGIES INC COM 76118Y104   480,383 30,404 SH   SOLE   0 0 30,404
COCA COLA CONSOLIDATED INC COM 191098102   476,166 8,506 SH   SOLE   0 0 8,506
CHEVRON CORP NEW COM 166764100   468,764 2,780 SH   SOLE   0 0 2,780
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   459,123 9,863 SH   SOLE   0 0 9,863
AT&T INC COM 00206R102   450,241 29,976 SH   SOLE   0 0 29,976
NVIDIA CORPORATION COM 67066G104   449,531 1,033 SH   SOLE   0 0 1,033
SPDR SER TR PORTFOLIO SHORT 78464A474   435,178 15,152 SH   SOLE   0 0 15,152
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   433,620 2,791 SH   SOLE   0 0 2,791
CISCO SYS INC COM 17275R102   415,350 7,726 SH   SOLE   0 0 7,726
EXXON MOBIL CORP COM 30231G102   409,766 3,485 SH   SOLE   0 0 3,485
ISHARES TR US AER DEF ETF 464288760   409,044 3,860 SH   SOLE   0 0 3,860
BANK AMER CORP COM 060505104   406,018 14,829 SH   SOLE   0 0 14,829
HOME DEPOT INC COM 437076102   399,456 1,322 SH   SOLE   0 0 1,322
PROCTER AND GAMBLE CO COM 742718109   392,218 2,689 SH   SOLE   0 0 2,689
PEPSICO INC COM 713448108   380,453 2,245 SH   SOLE   0 0 2,245
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   379,085 965 SH   SOLE   0 0 965
VANGUARD INDEX FDS VALUE ETF 922908744   369,101 2,676 SH   SOLE   0 0 2,676
SPDR SER TR S&P BIOTECH 78464A870   368,751 5,050 SH   SOLE   0 0 5,050
PFIZER INC COM 717081103   362,761 10,936 SH   SOLE   0 0 10,936
VANGUARD WORLD FDS INF TECH ETF 92204A702   348,516 840 SH   SOLE   0 0 840
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   327,397 7,516 SH   SOLE   0 0 7,516
DISNEY WALT CO COM 254687106   322,470 3,979 SH   SOLE   0 0 3,979
BRISTOL MYERS SQUIBB CO COM 110122108   308,203 5,310 SH   SOLE   0 0 5,310
COUPANG INC CL A 22266T109   305,490 17,970 SH   SOLE   0 0 17,970
LAS VEGAS SANDS CORP COM 517834107   288,792 6,300 SH   SOLE   0 0 6,300
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   286,714 1,749 SH   SOLE   0 0 1,749
ALPHABET INC CAP STK CL C 02079K107   274,248 2,080 SH   SOLE   0 0 2,080
INTERNATIONAL BUSINESS MACHS COM 459200101   267,244 1,905 SH   SOLE   0 0 1,905
ORACLE CORP COM 68389X105   262,258 2,476 SH   SOLE   0 0 2,476
PHILIP MORRIS INTL INC COM 718172109   253,898 6,038 SH   SOLE   0 0 6,038
SPDR SER TR BLOOMBERG HIGH Y 78468R622   251,583 2,783 SH   SOLE   0 0 2,783
BOEING CO COM 097023105   245,542 1,281 SH   SOLE   0 0 1,281
COLGATE PALMOLIVE CO COM 194162103   243,776 3,428 SH   SOLE   0 0 3,428
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   241,300 2,590 SH   SOLE   0 0 2,590
VERIZON COMMUNICATIONS INC COM 92343V104   230,011 7,097 SH   SOLE   0 0 7,097
HERSHEY CO COM 427866108   220,088 1,100 SH   SOLE   0 0 1,100
ISHARES TR RUS MD CP GR ETF 464287481   215,129 2,355 SH   SOLE   0 0 2,355
ISHARES TR RUSSELL 1000 US 46435G169   212,594 905 SH   SOLE   0 0 905
COMCAST CORP NEW CL A 20030N101   211,613 4,773 SH   SOLE   0 0 4,773
WALMART INC COM 931142103   210,896 1,319 SH   SOLE   0 0 1,319
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   207,835 3,652 SH   SOLE   0 0 3,652
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   203,227 3,918 SH   SOLE   0 0 3,918
CONSOLIDATED EDISON INC COM 209115104   203,048 2,374 SH   SOLE   0 0 2,374
NEXTERA ENERGY INC COM 65339F101   202,601 3,536 SH   SOLE   0 0 3,536