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   27,925,900 118,672 SH   SOLE   0 0 118,672
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   20,568,975 378,037 SH   SOLE   0 0 378,037
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   19,311,286 129,754 SH   SOLE   0 0 129,754
ISHARES TR CORE US AGGBD ET 464287226   12,101,852 123,551 SH   SOLE   0 0 123,551
VANGUARD INDEX FDS GROWTH ETF 922908736   11,501,321 40,646 SH   SOLE   0 0 40,646
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,131,980 134,680 SH   SOLE   0 0 134,680
ISHARES TR CORE DIV GRWTH 46434V621   9,276,031 180,012 SH   SOLE   0 0 180,012
VANGUARD INDEX FDS SML CP GRW ETF 922908595   8,983,832 39,104 SH   SOLE   0 0 39,104
ISHARES TR BROAD USD HIGH 46435U853   8,384,785 237,529 SH   SOLE   0 0 237,529
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   8,235,200 98,554 SH   SOLE   0 0 98,554
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   7,999,942 163,665 SH   SOLE   0 0 163,665
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,012,085 31,833 SH   SOLE   0 0 31,833
SCHWAB STRATEGIC TR US TIPS ETF 808524870   6,537,247 124,685 SH   SOLE   0 0 124,685
ISHARES TR CORE MSCI TOTAL 46432F834   5,799,309 92,611 SH   SOLE   0 0 92,611
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   5,765,516 137,700 SH   SOLE   0 0 137,700
ISHARES TR RUS 1000 VAL ETF 464287598   4,287,502 27,165 SH   SOLE   0 0 27,165
ISHARES TR CORE S&P MCP ETF 464287507   3,837,942 14,678 SH   SOLE   0 0 14,678
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,498,178 75,751 SH   SOLE   0 0 75,751
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,482,719 75,728 SH   SOLE   0 0 75,728
ISHARES TR CORE HIGH DV ETF 46429B663   2,711,391 26,901 SH   SOLE   0 0 26,901
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,624,874 34,734 SH   SOLE   0 0 34,734
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,483,454 34,165 SH   SOLE   0 0 34,165
ISHARES TR CORE INTL AGGR 46435G672   2,170,336 44,032 SH   SOLE   0 0 44,032
ISHARES TR CORE TOTAL USD 46434V613   2,169,846 47,720 SH   SOLE   0 0 47,720
INVESCO QQQ TR UNIT SER 1 46090E103   2,102,254 5,691 SH   SOLE   0 0 5,691
APPLE INC COM 037833100   1,898,301 9,787 SH   SOLE   0 0 9,787
ISHARES TR NATIONAL MUN ETF 464288414   1,886,447 17,675 SH   SOLE   0 0 17,675
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,820,081 11,205 SH   SOLE   0 0 11,205
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,677,292 22,379 SH   SOLE   0 0 22,379
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,582,692 33,639 SH   SOLE   0 0 33,639
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,580,412 7,796 SH   SOLE   0 0 7,796
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,416,426 67,321 SH   SOLE   0 0 67,321
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,348,195 69,032 SH   SOLE   0 0 69,032
ISHARES TR PFD AND INCM SEC 464288687   1,345,277 43,494 SH   SOLE   0 0 43,494
ISHARES TR MBS ETF 464288588   1,192,598 12,787 SH   SOLE   0 0 12,787
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,062,082 5,162 SH   SOLE   0 0 5,162
ISHARES TR SHRT NAT MUN ETF 464288158   1,061,858 10,206 SH   SOLE   0 0 10,206
ISHARES TR CORE 1 5 YR USD 46432F859   991,657 21,262 SH   SOLE   0 0 21,262
ISHARES TR TIPS BD ETF 464287176   967,569 8,991 SH   SOLE   0 0 8,991
ISHARES TR CORE MSCI INTL 46435G326   898,019 14,693 SH   SOLE   0 0 14,693
VANGUARD INDEX FDS VALUE ETF 922908744   876,985 6,172 SH   SOLE   0 0 6,172
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   815,541 16,239 SH   SOLE   0 0 16,239
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   803,994 5,810 SH   SOLE   0 0 5,810
LILLY ELI & CO COM 532457108   781,009 1,665 SH   SOLE   0 0 1,665
CHUBB LIMITED COM H1467J104   763,308 3,964 SH   SOLE   0 0 3,964
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   736,404 9,733 SH   SOLE   0 0 9,733
SPDR SER TR PRTFLO S&P500 GW 78464A409   720,538 11,810 SH   SOLE   0 0 11,810
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   677,812 6,989 SH   SOLE   0 0 6,989
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   669,049 13,032 SH   SOLE   0 0 13,032
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   641,627 15,773 SH   SOLE   0 0 15,773
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   633,629 8,018 SH   SOLE   0 0 8,018
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   615,476 10,492 SH   SOLE   0 0 10,492
VANGUARD INDEX FDS SMALL CP ETF 922908751   613,134 3,083 SH   SOLE   0 0 3,083
ISHARES TR CORE S&P US GWT 464287671   578,420 5,924 SH   SOLE   0 0 5,924
VANGUARD STAR FDS VG TL INTL STK F 921909768   564,926 10,074 SH   SOLE   0 0 10,074
ISHARES TR S&P SML 600 GWT 464287887   553,731 4,818 SH   SOLE   0 0 4,818
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   547,120 11,538 SH   SOLE   0 0 11,538
SPDR SER TR NUVEEN BLOOMBERG 78464A284   529,974 21,190 SH   SOLE   0 0 21,190
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   516,681 24,406 SH   SOLE   0 0 24,406
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   496,708 6,840 SH   SOLE   0 0 6,840
ISHARES TR RUS 2000 GRW ETF 464287648   493,805 2,035 SH   SOLE   0 0 2,035
CSX CORP COM 126408103   491,040 14,400 SH   SOLE   0 0 14,400
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   482,515 1,415 SH   SOLE   0 0 1,415
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   481,252 19,539 SH   SOLE   0 0 19,539
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   478,206 11,899 SH   SOLE   0 0 11,899
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   465,243 7,471 SH   SOLE   0 0 7,471
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   456,329 11,111 SH   SOLE   0 0 11,111
ISHARES TR SELECT DIVID ETF 464287168   441,517 3,897 SH   SOLE   0 0 3,897
SPDR S&P 500 ETF TR TR UNIT 78462F103   424,564 958 SH   SOLE   0 0 958
JOHNSON & JOHNSON COM 478160104   409,970 2,477 SH   SOLE   0 0 2,477
ISHARES TR S&P MC 400VL ETF 464287705   406,957 3,799 SH   SOLE   0 0 3,799
ISHARES TR INTRM GOV CR ETF 464288612   379,610 3,689 SH   SOLE   0 0 3,689
ISHARES TR ISHS 5-10YR INVT 464288638   375,129 7,418 SH   SOLE   0 0 7,418
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   369,339 7,495 SH   SOLE   0 0 7,495
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   354,514 8,048 SH   SOLE   0 0 8,048
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   343,818 6,565 SH   SOLE   0 0 6,565
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   343,578 16,703 SH   SOLE   0 0 16,703
ISHARES TR CORE S&P SCP ETF 464287804   335,220 3,364 SH   SOLE   0 0 3,364
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   333,099 16,547 SH   SOLE   0 0 16,547
ISHARES TR 0-5YR INVT GR CP 46434V100   317,731 6,591 SH   SOLE   0 0 6,591
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   314,462 5,447 SH   SOLE   0 0 5,447
ISHARES TR RUSSELL 2000 ETF 464287655   298,759 1,595 SH   SOLE   0 0 1,595
ASTRAZENECA PLC SPONSORED ADR 046353108   298,662 4,173 SH   SOLE   0 0 4,173
ISHARES TR 0-5 YR TIPS ETF 46429B747   289,533 2,967 SH   SOLE   0 0 2,967
ISHARES TR CORE S&P TTL STK 464287150   286,757 2,931 SH   SOLE   0 0 2,931
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532   251,481 8,330 SH   SOLE   0 0 8,330
EVERSOURCE ENERGY COM 30040W108   242,767 3,423 SH   SOLE   0 0 3,423
VANGUARD INDEX FDS MID CAP ETF 922908629   241,490 1,097 SH   SOLE   0 0 1,097
ISHARES TR MSCI EAFE ETF 464287465   217,301 2,997 SH   SOLE   0 0 2,997
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   212,607 11,222 SH   SOLE   0 0 11,222
SEMPRA COM 816851109   203,441 1,397 SH   SOLE   0 0 1,397
ISHARES TR MRGSTR MD CP GRW 464288307   203,139 3,333 SH   SOLE   0 0 3,333
INNOVATOR ETFS TR US EQTY ULTRA B 45782C649   201,687 6,882 SH   SOLE   0 0 6,882
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   80,983 17,049 SH   SOLE   0 0 17,049