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   66,665,380 113,246 SH   SOLE   0 0 113,246
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   52,609,903 2,269,625 SH   SOLE   0 0 2,269,625
ISHARES TR CORE US AGGBD ET 464287226   36,065,445 372,192 SH   SOLE   0 0 372,192
ISHARES TR FLTG RATE NT ETF 46429B655   33,335,216 655,173 SH   SOLE   0 0 655,173
ISHARES TR IBOXX HI YD ETF 464288513   29,870,598 379,791 SH   SOLE   0 0 379,791
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   24,298,335 1,070,411 SH   SOLE   0 0 1,070,411
SPDR SER TR BLOMBERG BRC INV 78468R200   22,989,114 748,100 SH   SOLE   0 0 748,100
ISHARES TR CORE MSCI EAFE 46432F842   22,426,183 319,098 SH   SOLE   0 0 319,098
ISHARES TR JPMORGAN USD EMG 464288281   18,995,414 213,336 SH   SOLE   0 0 213,336
ISHARES TR CORE MSCI EMKT 46434G103   18,968,882 363,249 SH   SOLE   0 0 363,249
APPLE INC COM 037833100   15,704,642 62,713 SH   SOLE   0 0 62,713
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   15,550,268 840,555 SH   SOLE   0 0 840,555
ISHARES TR CORE S&P MCP ETF 464287507   15,271,718 245,093 SH   SOLE   0 0 245,093
ISHARES TR CORE S&P SCP ETF 464287804   15,113,102 131,167 SH   SOLE   0 0 131,167
ISHARES TR IBOXX INV CP ETF 464287242   14,650,163 137,122 SH   SOLE   0 0 137,122
ISHARES TR NATIONAL MUN ETF 464288414   14,030,291 131,678 SH   SOLE   0 0 131,678
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   13,352,678 501,415 SH   SOLE   0 0 501,415
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   12,091,500 175,392 SH   SOLE   0 0 175,392
SPDR TR S&P 500 ETF TR TR UNIT 78462F103   12,006,069 20,485 SH   SOLE   0 0 20,485
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   10,409,842 375,671 SH   SOLE   0 0 375,671
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,205,677 394,651 SH   SOLE   0 0 394,651
ISHARES TR CORE S&P TTL STK 464287150   9,982,449 77,612 SH   SOLE   0 0 77,612
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,710,191 427,762 SH   SOLE   0 0 427,762
PIMCO ETF TR INV GRD CRP BD 72201R817   9,421,909 99,074 SH   SOLE   0 0 99,074
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   8,846,368 353,996 SH   SOLE   0 0 353,996
ISHARES TR 0-5YR HI YL CP 46434V407   6,263,084 146,986 SH   SOLE   0 0 146,986
ISHARES TR CORE DIV GRWTH 46434V621   5,793,228 94,445 SH   SOLE   0 0 94,445
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,650,342 206,821 SH   SOLE   0 0 206,821
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,527,833 144,067 SH   SOLE   0 0 144,067
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,476,789 160,468 SH   SOLE   0 0 160,468
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   5,278,295 161,120 SH   SOLE   0 0 161,120
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   5,224,118 263,578 SH   SOLE   0 0 263,578
MICROSOFT CORP COM 594918104   4,607,963 10,932 SH   SOLE   0 0 10,932
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719   4,275,397 236,471 SH   SOLE   0 0 236,471
ISHARES TR RUS 1000 GRW ETF 464287614   3,864,905 9,624 SH   SOLE   0 0 9,624
SPDR SER TR NUVEEN BRC MUNIC 78468R721   3,547,229 77,756 SH   SOLE   0 0 77,756
META PLATFORMS INC CL A 30303M102   3,310,474 5,654 SH   SOLE   0 0 5,654
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,849,206 102,232 SH   SOLE   0 0 102,232
NVIDIA CORPORATION COM 67066G104   2,433,745 18,123 SH   SOLE   0 0 18,123
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   2,388,474 43,673 SH   SOLE   0 0 43,673
SPDR SER TR PORTFOLIO SM ETF 78468R853   2,306,404 51,345 SH   SOLE   0 0 51,345
JPMORGAN CHASE & CO COM 46625H100   2,267,417 9,459 SH   SOLE   0 0 9,459
UNITED PARCEL SERVICE INC CL B 911312106   1,838,412 14,579 SH   SOLE   0 0 14,579
ISHARES TR 1 3 YR TREAS BD 464287457   1,657,017 20,212 SH   SOLE   0 0 20,212
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805   1,567,369 21,943 SH   SOLE   0 0 21,943
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,452,510 33,592 SH   SOLE   0 0 33,592
AMAZON COM INC COM 023135106   1,321,825 6,025 SH   SOLE   0 0 6,025
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,235,253 7,049 SH   SOLE   0 0 7,049
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,129,105 46,929 SH   SOLE   0 0 46,929
INVESCO QQQ TR UNIT SER 1 46090E103   1,059,076 2,072 SH   SOLE   0 0 2,072
JOHNSON & JOHNSON COM 478160104   969,797 6,706 SH   SOLE   0 0 6,706
MERCK & CO INC COM 58933Y105   909,745 9,145 SH   SOLE   0 0 9,145
VANGUARD INDEX FDS GROWTH ETF 922908736   899,308 2,191 SH   SOLE   0 0 2,191
HOME DEPOT INC COM 437076102   856,556 2,202 SH   SOLE   0 0 2,202
ALPHABET INC CAP STK CL C 02079K107   791,278 4,155 SH   SOLE   0 0 4,155
VANGUARD INDEX FDS TOTAL STK MKT 922908769   788,921 2,722 SH   SOLE   0 0 2,722
SPDR GOLD TR SPDR GOLD TR 78463V107   760,288 3,140 SH   SOLE   0 0 3,140
VISA INC COM CL A 92826C839   744,274 2,355 SH   SOLE   0 0 2,355
AT&T INC COM 00206R102   677,999 29,776 SH   SOLE   0 0 29,776
ALPHABET INC CAP STK CL A 02079K305   672,772 3,554 SH   SOLE   0 0 3,554
BANK AMER CORP COM 060505104   646,812 14,717 SH   SOLE   0 0 14,717
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   631,859 24,237 SH   SOLE   0 0 24,237
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   587,014 1,089 SH   SOLE   0 0 1,089
INTERNATIONAL BUSINESS MACHS COM 459200101   568,652 2,587 SH   SOLE   0 0 2,587
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   546,504 2,791 SH   SOLE   0 0 2,791
VANGUARD INDEX FDS VALUE ETF 922908744   543,114 3,208 SH   SOLE   0 0 3,208
COCA COLA CONSOLIDATED INC COM 191098102   531,327 8,534 SH   SOLE   0 0 8,534
ISHARES TR RUS 1000 VAL ETF 464287598   509,572 2,753 SH   SOLE   0 0 2,753
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   476,340 10,616 SH   SOLE   0 0 10,616
COLGATE PALMOLIVE CO COM 194162103   453,409 4,987 SH   SOLE   0 0 4,987
CISCO SYS INC COM 17275R102   451,518 7,627 SH   SOLE   0 0 7,627
ISHARES TR RUS MD CP GR ETF 464287481   442,104 3,488 SH   SOLE   0 0 3,488
PROCTER AND GAMBLE CO COM 742718109   434,884 2,594 SH   SOLE   0 0 2,594
EXXON MOBIL CORP COM 30231G102   431,141 4,008 SH   SOLE   0 0 4,008
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   420,396 1,808 SH   SOLE   0 0 1,808
ORACLE CORP COM 68389X105   416,267 2,498 SH   SOLE   0 0 2,498
PFIZER INC COM 717081103   400,800 15,107 SH   SOLE   0 0 15,107
COUPANG INC CL A 22266T109   399,377 18,170 SH   SOLE   0 0 18,170
CHEVRON CORP NEW COM 166764100   377,308 2,605 SH   SOLE   0 0 2,605
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   364,714 5,721 SH   SOLE   0 0 5,721
NEXTERA ENERGY INC COM 65339F101   363,744 5,074 SH   SOLE   0 0 5,074
WALMART INC COM 931142103   353,272 3,910 SH   SOLE   0 0 3,910
RESIDEO TECHNOLOGIES INC COM 76118Y104   350,429 15,203 SH   SOLE   0 0 15,203
PEPSICO INC COM 713448108   327,060 2,151 SH   SOLE   0 0 2,151
COSTCO WHSL CORP NEW COM 22160K105   318,969 348 SH   SOLE   0 0 348
DISNEY WALT CO COM 254687106   315,500 2,833 SH   SOLE   0 0 2,833
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   313,191 2,455 SH   SOLE   0 0 2,455
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   308,557 3,652 SH   SOLE   0 0 3,652
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   299,035 2,545 SH   SOLE   0 0 2,545
ISHARES TR RUSSELL 1000 US 46435G169   291,555 905 SH   SOLE   0 0 905
VERIZON COMMUNICATIONS INC COM 92343V104   250,750 6,270 SH   SOLE   0 0 6,270
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   240,503 4,976 SH   SOLE   0 0 4,976
GODADDY INC CL A 380237107   239,607 1,214 SH   SOLE   0 0 1,214
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   232,079 512 SH   SOLE   0 0 512
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   231,716 633 SH   SOLE   0 0 633
SPDR SER TR PORTFOLIO SHORT 78464A474   225,652 7,778 SH   SOLE   0 0 7,778
BOEING CO COM 097023105   222,135 1,255 SH   SOLE   0 0 1,255
BRISTOL MYERS SQUIBB CO COM 110122108   212,496 3,757 SH   SOLE   0 0 3,757
NETFLIX INC COM 64110L106   212,134 238 SH   SOLE   0 0 238
CONSOLIDATED EDISON INC COM 209115104   211,832 2,374 SH   SOLE   0 0 2,374
GOLDMAN SACHS GROUP INC COM 38141G104   207,288 362 SH   SOLE   0 0 362
PHILIP MORRIS INTL INC COM 718172109   205,186 3,924 SH   SOLE   0 0 3,924
ISHARES TR MSCI KLD400 SOC 464288570   204,404 1,854 SH   SOLE   0 0 1,854