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   28,792,088 110,948 SH   SOLE NONE 0 0 110,948
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   21,205,898 128,974 SH   SOLE NONE 0 0 128,974
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   20,846,561 371,332 SH   SOLE NONE 0 0 371,332
VANGUARD INDEX FDS GROWTH ETF 922908736   12,678,709 40,783 SH   SOLE NONE 0 0 40,783
ISHARES TR CORE US AGGBD ET 464287226   11,939,678 120,299 SH   SOLE NONE 0 0 120,299
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,387,517 135,998 SH   SOLE NONE 0 0 135,998
VANGUARD INDEX FDS SML CP GRW ETF 922908595   9,848,171 40,734 SH   SOLE NONE 0 0 40,734
ISHARES TR CORE DIV GRWTH 46434V621   9,588,908 178,166 SH   SOLE NONE 0 0 178,166
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   9,201,228 104,133 SH   SOLE NONE 0 0 104,133
ISHARES TR BROAD USD HIGH 46435U853   8,614,404 236,985 SH   SOLE NONE 0 0 236,985
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   8,191,617 165,940 SH   SOLE NONE 0 0 165,940
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,512,748 31,670 SH   SOLE NONE 0 0 31,670
SCHWAB STRATEGIC TR US TIPS ETF 808524870   6,542,207 125,330 SH   SOLE NONE 0 0 125,330
ISHARES TR CORE MSCI TOTAL 46432F834   6,182,928 95,225 SH   SOLE NONE 0 0 95,225
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   6,009,317 143,318 SH   SOLE NONE 0 0 143,318
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,106,077 85,722 SH   SOLE NONE 0 0 85,722
ISHARES TR CORE S&P MCP ETF 464287507   4,087,094 14,747 SH   SOLE NONE 0 0 14,747
ISHARES TR RUS 1000 VAL ETF 464287598   3,941,302 23,851 SH   SOLE NONE 0 0 23,851
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,409,835 73,551 SH   SOLE NONE 0 0 73,551
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,035,999 13,917 SH   SOLE NONE 0 0 13,917
ISHARES TR CORE TOTAL USD 46434V613   2,748,961 59,669 SH   SOLE NONE 0 0 59,669
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,707,141 35,149 SH   SOLE NONE 0 0 35,149
ISHARES TR CORE HIGH DV ETF 46429B663   2,412,705 23,656 SH   SOLE NONE 0 0 23,656
INVESCO QQQ TR UNIT SER 1 46090E103   2,271,805 5,547 SH   SOLE NONE 0 0 5,547
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,231,120 13,093 SH   SOLE NONE 0 0 13,093
ISHARES TR CORE INTL AGGR 46435G672   2,225,015 44,679 SH   SOLE NONE 0 0 44,679
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,133,478 29,007 SH   SOLE NONE 0 0 29,007
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,957,668 23,598 SH   SOLE NONE 0 0 23,598
APPLE INC COM 037833100   1,929,978 10,024 SH   SOLE NONE 0 0 10,024
ISHARES TR NATIONAL MUN ETF 464288414   1,816,292 16,754 SH   SOLE NONE 0 0 16,754
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,617,525 33,847 SH   SOLE NONE 0 0 33,847
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,468,970 70,930 SH   SOLE NONE 0 0 70,930
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,453,516 68,627 SH   SOLE NONE 0 0 68,627
ISHARES TR CORE MSCI INTL 46435G326   1,398,660 21,971 SH   SOLE NONE 0 0 21,971
ISHARES TR CORE 1 5 YR USD 46432F859   1,340,528 28,186 SH   SOLE NONE 0 0 28,186
ISHARES TR PFD AND INCM SEC 464288687   1,306,327 41,883 SH   SOLE NONE 0 0 41,883
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,105,777 5,036 SH   SOLE NONE 0 0 5,036
ISHARES TR SHRT NAT MUN ETF 464288158   1,066,969 10,120 SH   SOLE NONE 0 0 10,120
ELI LILLY & CO COM 532457108   970,757 1,665 SH   SOLE NONE 0 0 1,665
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   942,883 18,470 SH   SOLE NONE 0 0 18,470
ISHARES TR MBS ETF 464288588   937,776 9,968 SH   SOLE NONE 0 0 9,968
CHUBB LIMITED COM H1467J104   895,864 3,964 SH   SOLE NONE 0 0 3,964
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   879,285 18,515 SH   SOLE NONE 0 0 18,515
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   858,979 20,900 SH   SOLE NONE 0 0 20,900
SPDR SER TR PRTFLO S&P500 GW 78464A409   772,841 11,879 SH   SOLE NONE 0 0 11,879
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   748,366 5,161 SH   SOLE NONE 0 0 5,161
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   727,673 7,073 SH   SOLE NONE 0 0 7,073
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   704,837 13,652 SH   SOLE NONE 0 0 13,652
VANGUARD INDEX FDS VALUE ETF 922908744   702,795 4,701 SH   SOLE NONE 0 0 4,701
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   701,706 8,633 SH   SOLE NONE 0 0 8,633
VANGUARD STAR FDS VG TL INTL STK F 921909768   689,598 11,898 SH   SOLE NONE 0 0 11,898
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   680,668 8,798 SH   SOLE NONE 0 0 8,798
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   630,549 30,191 SH   SOLE NONE 0 0 30,191
ISHARES TR CORE S&P US GWT 464287671   620,054 5,956 SH   SOLE NONE 0 0 5,956
VANGUARD INDEX FDS SMALL CP ETF 922908751   613,025 2,874 SH   SOLE NONE 0 0 2,874
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   609,501 29,797 SH   SOLE NONE 0 0 29,797
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   601,045 14,112 SH   SOLE NONE 0 0 14,112
ISHARES TR TIPS BD ETF 464287176   577,165 5,369 SH   SOLE NONE 0 0 5,369
SPDR SER TR NUVEEN BLOOMBERG 78464A284   576,484 22,786 SH   SOLE NONE 0 0 22,786
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   557,816 1,564 SH   SOLE NONE 0 0 1,564
ISHARES TR RUS 2000 GRW ETF 464287648   551,716 2,187 SH   SOLE NONE 0 0 2,187
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   533,365 27,635 SH   SOLE NONE 0 0 27,635
ISHARES TR S&P MC 400VL ETF 464287705   531,069 4,657 SH   SOLE NONE 0 0 4,657
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   525,212 6,899 SH   SOLE NONE 0 0 6,899
ISHARES TR CORE S&P SCP ETF 464287804   511,338 4,724 SH   SOLE NONE 0 0 4,724
CSX CORP COM 126408103   499,248 14,400 SH   SOLE NONE 0 0 14,400
ISHARES TR SELECT DIVID ETF 464287168   463,359 3,953 SH   SOLE NONE 0 0 3,953
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   460,393 18,572 SH   SOLE NONE 0 0 18,572
ISHARES TR S&P SML 600 GWT 464287887   458,333 3,663 SH   SOLE NONE 0 0 3,663
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   457,076 7,170 SH   SOLE NONE 0 0 7,170
SPDR S&P 500 ETF TR TR UNIT 78462F103   454,046 955 SH   SOLE NONE 0 0 955
ISHARES TR INTRM GOV CR ETF 464288612   438,850 4,189 SH   SOLE NONE 0 0 4,189
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   436,914 8,787 SH   SOLE NONE 0 0 8,787
ISHARES TR 0-5 YR TIPS ETF 46429B747   431,077 4,372 SH   SOLE NONE 0 0 4,372
ISHARES TR 0-5YR INVT GR CP 46434V100   407,497 8,282 SH   SOLE NONE 0 0 8,282
JOHNSON & JOHNSON COM 478160104   393,229 2,509 SH   SOLE NONE 0 0 2,509
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   392,387 8,731 SH   SOLE NONE 0 0 8,731
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   363,840 6,451 SH   SOLE NONE 0 0 6,451
ISHARES TR ISHS 5-10YR INVT 464288638   352,626 6,781 SH   SOLE NONE 0 0 6,781
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   338,553 7,745 SH   SOLE NONE 0 0 7,745
ISHARES TR CORE S&P TTL STK 464287150   331,344 3,149 SH   SOLE NONE 0 0 3,149
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   329,888 5,561 SH   SOLE NONE 0 0 5,561
ISHARES TR RUSSELL 2000 ETF 464287655   298,002 1,485 SH   SOLE NONE 0 0 1,485
ISHARES TR 7-10 YR TRSY BD 464287440   293,604 3,046 SH   SOLE NONE 0 0 3,046
ASTRAZENECA PLC SPONSORED ADR 046353108   281,052 4,173 SH   SOLE NONE 0 0 4,173
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870   278,472 2,746 SH   SOLE NONE 0 0 2,746
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   263,692 11,916 SH   SOLE NONE 0 0 11,916
VANGUARD INDEX FDS MID CAP ETF 922908629   255,641 1,099 SH   SOLE NONE 0 0 1,099
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532   251,760 7,858 SH   SOLE NONE 0 0 7,858
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   236,231 12,142 SH   SOLE NONE 0 0 12,142
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   232,926 533 SH   SOLE NONE 0 0 533
ISHARES TR MSCI EAFE ETF 464287465   225,696 2,995 SH   SOLE NONE 0 0 2,995
ISHARES TR S&P MC 400GR ETF 464287606   216,413 2,732 SH   SOLE NONE 0 0 2,732
ISHARES TR MRGSTR MD CP GRW 464288307   216,000 3,351 SH   SOLE NONE 0 0 3,351
INNOVATOR ETFS TR US EQTY ULTRA B 45782C649   215,201 6,872 SH   SOLE NONE 0 0 6,872
EVERSOURCE ENERGY COM 30040W108   206,983 3,354 SH   SOLE NONE 0 0 3,354
SEMPRA COM 816851109   204,061 2,731 SH   SOLE NONE 0 0 2,731