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   30,886,687 99,996 SH   SOLE   0 0 99,996
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   24,628,642 406,011 SH   SOLE   0 0 406,011
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   22,661,042 131,551 SH   SOLE   0 0 131,551
VANGUARD INDEX FDS GROWTH ETF 922908736   14,566,828 39,283 SH   SOLE   0 0 39,283
ISHARES TR CORE US AGGBD ET 464287226   13,699,150 138,487 SH   SOLE   0 0 138,487
VANGUARD BD INDEX FDS INTERMED TERM 921937819   12,277,332 160,341 SH   SOLE   0 0 160,341
ISHARES TR CORE DIV GRWTH 46434V621   11,620,833 188,100 SH   SOLE   0 0 188,100
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   10,560,724 116,642 SH   SOLE   0 0 116,642
VANGUARD INDEX FDS SML CP GRW ETF 922908595   10,362,150 41,157 SH   SOLE   0 0 41,157
ISHARES TR BROAD USD HIGH 46435U853   9,995,561 271,545 SH   SOLE   0 0 271,545
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   9,433,634 193,233 SH   SOLE   0 0 193,233
SCHWAB STRATEGIC TR US TIPS ETF 808524870   8,300,278 308,675 SH   SOLE   0 0 308,675
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,927,994 25,207 SH   SOLE   0 0 25,207
ISHARES TR CORE MSCI TOTAL 46432F834   6,453,734 92,447 SH   SOLE   0 0 92,447
ISHARES TR FLTG RATE NT ETF 46429B655   6,061,036 118,727 SH   SOLE   0 0 118,727
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,546,264 89,441 SH   SOLE   0 0 89,441
ISHARES TR CORE S&P MCP ETF 464287507   4,437,517 76,050 SH   SOLE   0 0 76,050
VANGUARD INDEX FDS LARGE CAP ETF 922908637   4,266,156 16,598 SH   SOLE   0 0 16,598
ISHARES TR RUS 1000 VAL ETF 464287598   4,146,099 22,035 SH   SOLE   0 0 22,035
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,714,031 80,199 SH   SOLE   0 0 80,199
ISHARES TR CORE TOTAL USD 46434V613   2,932,942 63,649 SH   SOLE   0 0 63,649
ISHARES TR CORE HIGH DV ETF 46429B663   2,911,380 24,037 SH   SOLE   0 0 24,037
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,855,218 36,474 SH   SOLE   0 0 36,474
INVESCO QQQ TR UNIT SER 1 46090E103   2,519,663 5,373 SH   SOLE   0 0 5,373
ISHARES TR CORE INTL AGGR 46435G672   2,473,614 49,482 SH   SOLE   0 0 49,482
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,315,615 31,526 SH   SOLE   0 0 31,526
ISHARES TR CORE MSCI INTL 46435G326   2,222,151 32,257 SH   SOLE   0 0 32,257
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,178,659 87,007 SH   SOLE   0 0 87,007
APPLE INC COM 037833100   2,169,354 9,766 SH   SOLE   0 0 9,766
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,142,024 11,042 SH   SOLE   0 0 11,042
ISHARES TR NATIONAL MUN ETF 464288414   1,986,660 18,842 SH   SOLE   0 0 18,842
ISHARES TR SHRT NAT MUN ETF 464288158   1,818,058 17,216 SH   SOLE   0 0 17,216
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,611,213 74,905 SH   SOLE   0 0 74,905
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,608,766 33,798 SH   SOLE   0 0 33,798
ISHARES TR CORE 1 5 YR USD 46432F859   1,561,938 32,305 SH   SOLE   0 0 32,305
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,541,191 74,454 SH   SOLE   0 0 74,454
ISHARES TR PFD AND INCM SEC 464288687   1,402,131 45,627 SH   SOLE   0 0 45,627
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,214,452 26,833 SH   SOLE   0 0 26,833
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,208,658 4,941 SH   SOLE   0 0 4,941
CHUBB LIMITED COM H1467J104   1,197,088 3,964 SH   SOLE   0 0 3,964
INNOVATOR ETFS TRUST EQUITY DEFINED P 45784N858   1,136,190 47,981 SH   SOLE   0 0 47,981
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   1,110,933 27,010 SH   SOLE   0 0 27,010
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,077,184 21,587 SH   SOLE   0 0 21,587
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,049,884 21,158 SH   SOLE   0 0 21,158
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   982,531 19,198 SH   SOLE   0 0 19,198
ISHARES TR 0-5YR INVT GR CP 46434V100   980,684 19,504 SH   SOLE   0 0 19,504
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   925,458 44,751 SH   SOLE   0 0 44,751
ISHARES TR MBS ETF 464288588   890,289 9,493 SH   SOLE   0 0 9,493
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   882,802 5,499 SH   SOLE   0 0 5,499
ELI LILLY & CO COM 532457108   881,198 1,067 SH   SOLE   0 0 1,067
VANGUARD INDEX FDS VALUE ETF 922908744   852,326 4,934 SH   SOLE   0 0 4,934
VANGUARD INDEX FDS SMALL CP ETF 922908751   836,933 3,774 SH   SOLE   0 0 3,774
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   808,179 9,885 SH   SOLE   0 0 9,885
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   793,015 6,839 SH   SOLE   0 0 6,839
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   790,488 1,538 SH   SOLE   0 0 1,538
SPDR SER TR PRTFLO S&P500 GW 78464A409   782,626 9,738 SH   SOLE   0 0 9,738
INNOVATOR ETFS TRUST EQUITY DEFIN 1YR 45784N700   778,389 30,949 SH   SOLE   0 0 30,949
SPDR SER TR NUVEEN BLOOMBERG 78464A284   754,204 29,905 SH   SOLE   0 0 29,905
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   741,351 1,392 SH   SOLE   0 0 1,392
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   727,296 37,336 SH   SOLE   0 0 37,336
ISHARES TR CORE S&P US GWT 464287671   701,488 5,520 SH   SOLE   0 0 5,520
VANGUARD STAR FDS VG TL INTL STK F 921909768   687,285 11,067 SH   SOLE   0 0 11,067
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   683,039 8,653 SH   SOLE   0 0 8,653
VANGUARD WORLD FD ESG US STK ETF 921910733   657,837 6,716 SH   SOLE   0 0 6,716
SPDR S&P 500 ETF TR TR UNIT 78462F103   657,423 1,175 SH   SOLE   0 0 1,175
ISHARES TR RUS 2000 GRW ETF 464287648   636,811 2,492 SH   SOLE   0 0 2,492
ISHARES TR TIPS BD ETF 464287176   615,874 5,544 SH   SOLE   0 0 5,544
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   572,202 20,465 SH   SOLE   0 0 20,465
ISHARES TR S&P SML 600 GWT 464287887   567,881 4,561 SH   SOLE   0 0 4,561
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   563,610 8,779 SH   SOLE   0 0 8,779
INNOVATOR ETFS TRUST EQUITY DEFINED P 45784N106   555,877 22,301 SH   SOLE   0 0 22,301
INNOVATOR ETFS TRUST EQUITY DEFINED P 45783Y251   540,810 20,202 SH   SOLE   0 0 20,202
ISHARES TR S&P MC 400VL ETF 464287705   538,340 4,496 SH   SOLE   0 0 4,496
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   533,476 19,350 SH   SOLE   0 0 19,350
VANGUARD INDEX FDS MID CAP ETF 922908629   523,280 2,023 SH   SOLE   0 0 2,023
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   519,667 12,844 SH   SOLE   0 0 12,844
ISHARES TR INTRM GOV CR ETF 464288612   515,785 4,865 SH   SOLE   0 0 4,865
ISHARES TR 0-5 YR TIPS ETF 46429B747   510,382 4,933 SH   SOLE   0 0 4,933
ISHARES TR CORE S&P SCP ETF 464287804   452,345 4,326 SH   SOLE   0 0 4,326
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   398,076 6,702 SH   SOLE   0 0 6,702
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   395,855 17,625 SH   SOLE   0 0 17,625
JOHNSON & JOHNSON COM 478160104   389,721 2,350 SH   SOLE   0 0 2,350
ISHARES TR SELECT DIVID ETF 464287168   385,241 2,869 SH   SOLE   0 0 2,869
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   369,771 14,874 SH   SOLE   0 0 14,874
CSX CORP COM 126408103   364,402 12,382 SH   SOLE   0 0 12,382
ISHARES TR ISHS 5-10YR INVT 464288638   346,789 6,603 SH   SOLE   0 0 6,603
ISHARES TR RUS TP200 GR ETF 464289438   335,519 1,591 SH   SOLE   0 0 1,591
ISHARES TR ESG AW MSCI EAFE 46435G516   334,274 4,092 SH   SOLE   0 0 4,092
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   320,885 7,353 SH   SOLE   0 0 7,353
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   312,070 14,134 SH   SOLE   0 0 14,134
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   294,268 15,021 SH   SOLE   0 0 15,021
ISHARES TR 7-10 YR TRSY BD 464287440   277,596 2,911 SH   SOLE   0 0 2,911
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C532   269,529 7,858 SH   SOLE   0 0 7,858
ISHARES TR RUSSELL 2000 ETF 464287655   257,484 1,291 SH   SOLE   0 0 1,291
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   257,214 11,437 SH   SOLE   0 0 11,437
INNOVATOR ETFS TRUST EQUITY DEFINED P 45784N809   255,037 10,180 SH   SOLE   0 0 10,180
ISHARES TR MSCI EAFE ETF 464287465   247,543 3,029 SH   SOLE   0 0 3,029
ISHARES TR CORE S&P TTL STK 464287150   246,502 2,020 SH   SOLE   0 0 2,020
ISHARES TR MRGSTR MD CP GRW 464288307   241,762 3,385 SH   SOLE   0 0 3,385
NVIDIA CORPORATION COM 67066G104   223,914 2,066 SH   SOLE   0 0 2,066
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C300   222,556 5,835 SH   SOLE   0 0 5,835
INNOVATOR ETFS TRUST US EQTY ULTRA BU 45782C565   220,709 6,501 SH   SOLE   0 0 6,501
ISHARES TR ESG AWR US AGRGT 46435U549   219,175 4,616 SH   SOLE   0 0 4,616
EVERSOURCE ENERGY COM 30040W108   218,610 3,520 SH   SOLE   0 0 3,520
SEMPRA COM 816851109   202,796 2,842 SH   SOLE   0 0 2,842