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
VANGUARD WORLD FD MEGA GRWTH IND 921910816   23,552,326 115,165 SH   SOLE   0 0 115,165
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   19,591,728 366,406 SH   SOLE   0 0 366,406
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   17,530,943 125,042 SH   SOLE   0 0 125,042
ISHARES TR CORE US AGGBD ET 464287226   11,523,670 115,653 SH   SOLE   0 0 115,653
VANGUARD INDEX FDS GROWTH ETF 922908736   10,175,146 40,792 SH   SOLE   0 0 40,792
VANGUARD BD INDEX FDS INTERMED TERM 921937819   9,872,788 128,652 SH   SOLE   0 0 128,652
ISHARES TR CORE DIV GRWTH 46434V621   8,848,140 176,998 SH   SOLE   0 0 176,998
ISHARES TR BROAD USD HIGH 46435U853   8,123,148 228,499 SH   SOLE   0 0 228,499
VANGUARD INDEX FDS SML CP GRW ETF 922908595   8,117,357 37,509 SH   SOLE   0 0 37,509
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   7,846,495 94,491 SH   SOLE   0 0 94,491
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   7,683,551 157,064 SH   SOLE   0 0 157,064
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,511,560 31,904 SH   SOLE   0 0 31,904
SCHWAB STRATEGIC TR US TIPS ETF 808524870   6,381,426 119,034 SH   SOLE   0 0 119,034
ISHARES TR CORE MSCI TOTAL 46432F834   5,712,664 92,214 SH   SOLE   0 0 92,214
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   5,445,720 131,349 SH   SOLE   0 0 131,349
ISHARES TR RUS 1000 VAL ETF 464287598   4,176,574 27,431 SH   SOLE   0 0 27,431
ISHARES TR CORE S&P MCP ETF 464287507   3,658,500 14,625 SH   SOLE   0 0 14,625
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,458,163 74,289 SH   SOLE   0 0 74,289
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,332,022 73,766 SH   SOLE   0 0 73,766
ISHARES TR CORE HIGH DV ETF 46429B663   2,790,985 27,454 SH   SOLE   0 0 27,454
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,717,461 35,527 SH   SOLE   0 0 35,527
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,514,598 34,059 SH   SOLE   0 0 34,059
ISHARES TR CORE TOTAL USD 46434V613   2,266,009 49,101 SH   SOLE   0 0 49,101
ISHARES TR CORE INTL AGGR 46435G672   2,151,157 43,946 SH   SOLE   0 0 43,946
INVESCO QQQ TR UNIT SER 1 46090E103   1,825,147 5,687 SH   SOLE   0 0 5,687
ISHARES TR NATIONAL MUN ETF 464288414   1,815,800 16,854 SH   SOLE   0 0 16,854
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,728,812 11,225 SH   SOLE   0 0 11,225
APPLE INC COM 037833100   1,612,642 9,780 SH   SOLE   0 0 9,780
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,596,360 33,572 SH   SOLE   0 0 33,572
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,477,785 22,676 SH   SOLE   0 0 22,676
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,367,222 65,732 SH   SOLE   0 0 65,732
ISHARES TR PFD AND INCM SEC 464288687   1,349,347 43,221 SH   SOLE   0 0 43,221
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,317,871 67,583 SH   SOLE   0 0 67,583
ISHARES TR MBS ETF 464288588   1,209,918 12,772 SH   SOLE   0 0 12,772
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,111,439 5,950 SH   SOLE   0 0 5,950
ISHARES TR TIPS BD ETF 464287176   999,729 9,068 SH   SOLE   0 0 9,068
ISHARES TR CORE 1 5 YR USD 46432F859   997,083 21,145 SH   SOLE   0 0 21,145
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   964,240 4,948 SH   SOLE   0 0 4,948
VANGUARD INDEX FDS VALUE ETF 922908744   846,675 6,130 SH   SOLE   0 0 6,130
ISHARES TR SHRT NAT MUN ETF 464288158   811,887 7,756 SH   SOLE   0 0 7,756
CHUBB LIMITED COM H1467J104   769,730 3,964 SH   SOLE   0 0 3,964
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   750,576 5,598 SH   SOLE   0 0 5,598
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   737,193 9,671 SH   SOLE   0 0 9,671
ISHARES TR CORE MSCI INTL 46435G326   721,430 11,930 SH   SOLE   0 0 11,930
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   669,637 12,942 SH   SOLE   0 0 12,942
SPDR SER TR PRTFLO S&P500 GW 78464A409   653,717 11,808 SH   SOLE   0 0 11,808
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   636,029 6,907 SH   SOLE   0 0 6,907
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   623,924 12,316 SH   SOLE   0 0 12,316
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   606,878 7,565 SH   SOLE   0 0 7,565
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   578,230 9,644 SH   SOLE   0 0 9,644
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   575,257 14,239 SH   SOLE   0 0 14,239
LILLY ELI & CO COM 532457108   571,909 1,665 SH   SOLE   0 0 1,665
VANGUARD STAR FDS VG TL INTL STK F 921909768   553,130 10,019 SH   SOLE   0 0 10,019
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   551,508 11,533 SH   SOLE   0 0 11,533
ISHARES TR S&P SML 600 GWT 464287887   542,714 4,936 SH   SOLE   0 0 4,936
ISHARES TR CORE S&P US GWT 464287671   524,912 5,913 SH   SOLE   0 0 5,913
VANGUARD INDEX FDS SMALL CP ETF 922908751   516,963 2,727 SH   SOLE   0 0 2,727
SPDR SER TR NUVEEN BLOOMBERG 78464A284   495,798 19,800 SH   SOLE   0 0 19,800
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   479,821 11,657 SH   SOLE   0 0 11,657
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   464,005 11,437 SH   SOLE   0 0 11,437
ISHARES TR RUS 2000 GRW ETF 464287648   461,019 2,033 SH   SOLE   0 0 2,033
ISHARES TR SELECT DIVID ETF 464287168   454,719 3,881 SH   SOLE   0 0 3,881
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   450,509 6,158 SH   SOLE   0 0 6,158
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   448,632 18,297 SH   SOLE   0 0 18,297
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   440,122 7,063 SH   SOLE   0 0 7,063
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   436,910 1,415 SH   SOLE   0 0 1,415
CSX CORP COM 126408103   431,136 14,400 SH   SOLE   0 0 14,400
ISHARES TR INTRM GOV CR ETF 464288612   394,427 3,775 SH   SOLE   0 0 3,775
JOHNSON & JOHNSON COM 478160104   381,459 2,461 SH   SOLE   0 0 2,461
ISHARES TR ISHS 5-10YR INVT 464288638   377,661 7,365 SH   SOLE   0 0 7,365
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   375,958 7,455 SH   SOLE   0 0 7,455
SPDR S&P 500 ETF TR TR UNIT 78462F103   374,356 914 SH   SOLE   0 0 914
ISHARES TR S&P MC 400VL ETF 464287705   367,775 3,579 SH   SOLE   0 0 3,579
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   359,053 8,042 SH   SOLE   0 0 8,042
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   357,399 16,954 SH   SOLE   0 0 16,954
ISHARES TR CORE S&P SCP ETF 464287804   319,012 3,299 SH   SOLE   0 0 3,299
ISHARES TR 0-5YR INVT GR CP 46434V100   317,363 6,546 SH   SOLE   0 0 6,546
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   316,533 6,544 SH   SOLE   0 0 6,544
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   313,852 5,361 SH   SOLE   0 0 5,361
ISHARES TR RUSSELL 2000 ETF 464287655   284,345 1,594 SH   SOLE   0 0 1,594
ISHARES TR CORE S&P TTL STK 464287150   266,156 2,939 SH   SOLE   0 0 2,939
EVERSOURCE ENERGY COM 30040W108   265,623 3,394 SH   SOLE   0 0 3,394
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532   237,468 8,330 SH   SOLE   0 0 8,330
VANGUARD INDEX FDS MID CAP ETF 922908629   231,178 1,096 SH   SOLE   0 0 1,096
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   217,001 10,700 SH   SOLE   0 0 10,700
ISHARES TR MSCI EAFE ETF 464287465   213,054 2,979 SH   SOLE   0 0 2,979
SEMPRA COM 816851109   209,619 1,387 SH   SOLE   0 0 1,387