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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   33,545,338 104,194 SH   SOLE   0 0 104,194
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   24,089,981 382,381 SH   SOLE   0 0 382,381
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   23,455,341 128,883 SH   SOLE   0 0 128,883
VANGUARD INDEX FDS GROWTH ETF 922908736   14,869,651 38,730 SH   SOLE   0 0 38,730
ISHARES TR CORE US AGGBD ET 464287226   13,388,036 132,201 SH   SOLE   0 0 132,201
VANGUARD BD INDEX FDS INTERMED TERM 921937819   11,588,923 147,874 SH   SOLE   0 0 147,874
ISHARES TR CORE DIV GRWTH 46434V621   11,212,278 178,853 SH   SOLE   0 0 178,853
VANGUARD INDEX FDS SML CP GRW ETF 922908595   10,753,341 40,219 SH   SOLE   0 0 40,219
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   10,569,732 108,497 SH   SOLE   0 0 108,497
ISHARES TR BROAD USD HIGH 46435U853   9,589,134 254,691 SH   SOLE   0 0 254,691
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   9,250,162 183,973 SH   SOLE   0 0 183,973
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,592,184 30,344 SH   SOLE   0 0 30,344
SCHWAB STRATEGIC TR US TIPS ETF 808524870   7,612,101 141,937 SH   SOLE   0 0 141,937
ISHARES TR CORE MSCI TOTAL 46432F834   6,794,047 93,543 SH   SOLE   0 0 93,543
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   6,637,500 158,944 SH   SOLE   0 0 158,944
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,615,179 87,392 SH   SOLE   0 0 87,392
ISHARES TR CORE S&P MCP ETF 464287507   4,556,570 73,116 SH   SOLE   0 0 73,116
VANGUARD INDEX FDS LARGE CAP ETF 922908637   4,327,275 16,435 SH   SOLE   0 0 16,435
ISHARES TR RUS 1000 VAL ETF 464287598   4,300,663 22,659 SH   SOLE   0 0 22,659
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,566,106 75,537 SH   SOLE   0 0 75,537
ISHARES TR CORE TOTAL USD 46434V613   2,942,055 62,437 SH   SOLE   0 0 62,437
ISHARES TR CORE HIGH DV ETF 46429B663   2,896,269 24,624 SH   SOLE   0 0 24,624
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,799,142 35,572 SH   SOLE   0 0 35,572
INVESCO QQQ TR UNIT SER 1 46090E103   2,641,956 5,413 SH   SOLE   0 0 5,413
APPLE INC COM 037833100   2,339,981 10,043 SH   SOLE   0 0 10,043
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,331,694 31,044 SH   SOLE   0 0 31,044
ISHARES TR CORE INTL AGGR 46435G672   2,323,868 44,845 SH   SOLE   0 0 44,845
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,321,181 22,280 SH   SOLE   0 0 22,280
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,152,519 10,868 SH   SOLE   0 0 10,868
ISHARES TR CORE MSCI INTL 46435G326   2,004,067 28,294 SH   SOLE   0 0 28,294
ISHARES TR NATIONAL MUN ETF 464288414   1,840,462 16,942 SH   SOLE   0 0 16,942
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,682,391 72,611 SH   SOLE   0 0 72,611
ISHARES TR SHRT NAT MUN ETF 464288158   1,620,530 15,261 SH   SOLE   0 0 15,261
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,609,751 33,439 SH   SOLE   0 0 33,439
ISHARES TR CORE 1 5 YR USD 46432F859   1,511,126 31,042 SH   SOLE   0 0 31,042
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,501,166 71,450 SH   SOLE   0 0 71,450
ELI LILLY & CO COM 532457108   1,459,458 1,647 SH   SOLE   0 0 1,647
ISHARES TR PFD AND INCM SEC 464288687   1,424,001 42,853 SH   SOLE   0 0 42,853
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,228,713 5,047 SH   SOLE   0 0 5,047
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,156,129 24,162 SH   SOLE   0 0 24,162
CHUBB LIMITED COM H1467J104   1,143,178 3,964 SH   SOLE   0 0 3,964
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,052,931 21,353 SH   SOLE   0 0 21,353
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   996,942 19,502 SH   SOLE   0 0 19,502
SPDR SER TR PRTFLO S&P500 GW 78464A409   984,591 11,871 SH   SOLE   0 0 11,871
ISHARES TR 0-5YR INVT GR CP 46434V100   973,430 19,303 SH   SOLE   0 0 19,303
VANGUARD INDEX FDS SMALL CP ETF 922908751   924,054 3,896 SH   SOLE   0 0 3,896
ISHARES TR MBS ETF 464288588   907,386 9,471 SH   SOLE   0 0 9,471
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   905,055 5,398 SH   SOLE   0 0 5,398
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   873,043 16,451 SH   SOLE   0 0 16,451
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   855,803 7,150 SH   SOLE   0 0 7,150
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   832,947 9,946 SH   SOLE   0 0 9,946
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   803,690 1,523 SH   SOLE   0 0 1,523
VANGUARD INDEX FDS VALUE ETF 922908744   789,512 4,523 SH   SOLE   0 0 4,523
VANGUARD STAR FDS VG TL INTL STK F 921909768   765,868 11,830 SH   SOLE   0 0 11,830
ISHARES TR CORE S&P US GWT 464287671   726,125 5,505 SH   SOLE   0 0 5,505
ISHARES TR RUS 2000 GRW ETF 464287648   707,476 2,491 SH   SOLE   0 0 2,491
SPDR SER TR NUVEEN BLOOMBERG 78464A284   699,309 26,620 SH   SOLE   0 0 26,620
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   698,942 8,801 SH   SOLE   0 0 8,801
SPDR S&P 500 ETF TR TR UNIT 78462F103   671,907 1,171 SH   SOLE   0 0 1,171
INNOVATOR ETFS TRUST EQUITY DEFINED P 45783Y251   645,666 24,110 SH   SOLE   0 0 24,110
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   644,689 13,743 SH   SOLE   0 0 13,743
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   640,682 1,392 SH   SOLE   0 0 1,392
ISHARES TR S&P SML 600 GWT 464287887   626,948 4,495 SH   SOLE   0 0 4,495
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   621,062 30,076 SH   SOLE   0 0 30,076
VANGUARD INDEX FDS MID CAP ETF 922908629   613,265 2,324 SH   SOLE   0 0 2,324
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   607,850 28,781 SH   SOLE   0 0 28,781
ISHARES TR TIPS BD ETF 464287176   596,662 5,401 SH   SOLE   0 0 5,401
ISHARES TR S&P MC 400VL ETF 464287705   570,569 4,616 SH   SOLE   0 0 4,616
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   564,616 6,679 SH   SOLE   0 0 6,679
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   555,204 19,027 SH   SOLE   0 0 19,027
INNOVATOR ETFS TRUST EQUITY DEFINED P 45784N106   554,626 22,301 SH   SOLE   0 0 22,301
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   546,888 27,960 SH   SOLE   0 0 27,960
ISHARES TR CORE S&P SCP ETF 464287804   521,911 4,462 SH   SOLE   0 0 4,462
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   498,893 7,517 SH   SOLE   0 0 7,517
CSX CORP COM 126408103   497,232 14,400 SH   SOLE   0 0 14,400
ISHARES TR SELECT DIVID ETF 464287168   494,253 3,659 SH   SOLE   0 0 3,659
ISHARES TR 0-5 YR TIPS ETF 46429B747   484,385 4,781 SH   SOLE   0 0 4,781
ISHARES TR INTRM GOV CR ETF 464288612   481,883 4,499 SH   SOLE   0 0 4,499
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   417,235 6,906 SH   SOLE   0 0 6,906
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   405,172 8,778 SH   SOLE   0 0 8,778
JOHNSON & JOHNSON COM 478160104   394,991 2,437 SH   SOLE   0 0 2,437
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   372,055 7,353 SH   SOLE   0 0 7,353
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   364,953 5,379 SH   SOLE   0 0 5,379
ISHARES TR ISHS 5-10YR INVT 464288638   354,216 6,594 SH   SOLE   0 0 6,594
ISHARES TR RUS TP200 GR ETF 464289438   350,349 1,592 SH   SOLE   0 0 1,592
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   344,956 7,258 SH   SOLE   0 0 7,258
VANGUARD WORLD FD ESG US STK ETF 921910733   329,772 3,244 SH   SOLE   0 0 3,244
ISHARES TR RUSSELL 2000 ETF 464287655   309,255 1,400 SH   SOLE   0 0 1,400
ISHARES TR 7-10 YR TRSY BD 464287440   281,343 2,867 SH   SOLE   0 0 2,867
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C532   274,997 7,858 SH   SOLE   0 0 7,858
ISHARES TR CORE S&P TTL STK 464287150   273,298 2,176 SH   SOLE   0 0 2,176
ASTRAZENECA PLC SPONSORED ADR 046353108   261,700 3,359 SH   SOLE   0 0 3,359
INNOVATOR ETFS TRUST US EQT ULTRA BFR 45782C425   259,474 7,974 SH   SOLE   0 0 7,974
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   256,102 11,272 SH   SOLE   0 0 11,272
MICROSOFT CORP COM 594918104   254,588 592 SH   SOLE   0 0 592
ISHARES TR MSCI EAFE ETF 464287465   252,054 3,014 SH   SOLE   0 0 3,014
NVIDIA CORPORATION COM 67066G104   250,895 2,066 SH   SOLE   0 0 2,066
ISHARES TR MRGSTR MD CP GRW 464288307   246,014 3,371 SH   SOLE   0 0 3,371
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C649   238,386 6,862 SH   SOLE   0 0 6,862
SEMPRA COM 816851109   234,147 2,800 SH   SOLE   0 0 2,800
EVERSOURCE ENERGY COM 30040W108   233,747 3,435 SH   SOLE   0 0 3,435
INNOVATOR ETFS TRUST EQUITY DEFINED 45783Y335   223,552 8,526 SH   SOLE   0 0 8,526