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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   36,007,856 98,336 SH   SOLE   0 0 98,336
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   26,998,306 401,641 SH   SOLE   0 0 401,641
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   25,232,896 130,937 SH   SOLE   0 0 130,937
VANGUARD INDEX FDS GROWTH ETF 922908736   17,118,365 39,047 SH   SOLE   0 0 39,047
ISHARES TR CORE US AGGBD ET 464287226   13,737,137 138,479 SH   SOLE   0 0 138,479
VANGUARD BD INDEX FDS INTERMED TERM 921937819   12,511,089 161,767 SH   SOLE   0 0 161,767
ISHARES TR CORE DIV GRWTH 46434V621   12,056,506 188,560 SH   SOLE   0 0 188,560
VANGUARD INDEX FDS SML CP GRW ETF 922908595   11,405,808 41,185 SH   SOLE   0 0 41,185
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   10,362,831 116,358 SH   SOLE   0 0 116,358
ISHARES TR BROAD USD HIGH 46435U853   10,339,969 275,659 SH   SOLE   0 0 275,659
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   9,610,037 194,103 SH   SOLE   0 0 194,103
SCHWAB STRATEGIC TR US TIPS ETF 808524870   8,259,207 309,565 SH   SOLE   0 0 309,565
ISHARES TR CORE MSCI TOTAL 46432F834   7,435,108 96,173 SH   SOLE   0 0 96,173
ISHARES TR FLTG RATE NT ETF 46429B655   7,418,784 145,409 SH   SOLE   0 0 145,409
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,253,682 23,866 SH   SOLE   0 0 23,866
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,156,150 90,443 SH   SOLE   0 0 90,443
ISHARES TR CORE S&P MCP ETF 464287507   5,080,946 81,924 SH   SOLE   0 0 81,924
VANGUARD INDEX FDS LARGE CAP ETF 922908637   4,414,416 15,473 SH   SOLE   0 0 15,473
ISHARES TR RUS 1000 VAL ETF 464287598   4,270,999 21,989 SH   SOLE   0 0 21,989
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,724,655 80,377 SH   SOLE   0 0 80,377
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,198,950 109,516 SH   SOLE   0 0 109,516
INVESCO QQQ TR UNIT SER 1 46090E103   2,966,488 5,378 SH   SOLE   0 0 5,378
ISHARES TR CORE TOTAL USD 46434V613   2,950,450 63,821 SH   SOLE   0 0 63,821
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,884,090 36,647 SH   SOLE   0 0 36,647
ISHARES TR CORE HIGH DV ETF 46429B663   2,816,288 24,036 SH   SOLE   0 0 24,036
ISHARES TR LARGE CAP MAX BU 46438G471   2,587,853 100,304 SH   SOLE   0 0 100,304
ISHARES TR CORE INTL AGGR 46435G672   2,569,581 50,295 SH   SOLE   0 0 50,295
ISHARES TR SHRT NAT MUN ETF 464288158   2,422,964 22,785 SH   SOLE   0 0 22,785
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,391,554 11,685 SH   SOLE   0 0 11,685
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,368,733 32,171 SH   SOLE   0 0 32,171
ISHARES TR CORE MSCI INTL 46435G326   2,260,800 29,732 SH   SOLE   0 0 29,732
APPLE INC COM 037833100   2,004,867 9,772 SH   SOLE   0 0 9,772
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,939,940 91,680 SH   SOLE   0 0 91,680
ISHARES TR LARGE CAP MAX BU 46438G455   1,738,720 67,694 SH   SOLE   0 0 67,694
SPDR SERIES TRUST NUVEEN ICE SHORT 78468R739   1,625,144 33,978 SH   SOLE   0 0 33,978
ISHARES TR CORE 1 5 YR USD 46432F859   1,594,637 32,778 SH   SOLE   0 0 32,778
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,428,043 5,021 SH   SOLE   0 0 5,021
ISHARES TR NATIONAL MUN ETF 464288414   1,423,022 13,620 SH   SOLE   0 0 13,620
ISHARES TR PFD AND INCM SEC 464288687   1,408,903 45,923 SH   SOLE   0 0 45,923
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,377,019 65,823 SH   SOLE   0 0 65,823
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,262,852 25,533 SH   SOLE   0 0 25,533
INNOVATOR ETFS TRUST EQUITY DEFINED P 45784N858   1,177,454 47,981 SH   SOLE   0 0 47,981
CHUBB LIMITED COM H1467J104   1,148,450 3,964 SH   SOLE   0 0 3,964
SPDR SERIES TRUST NUVEEN ICE HIGH 78464A284   1,145,168 46,213 SH   SOLE   0 0 46,213
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,094,430 22,322 SH   SOLE   0 0 22,322
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,086,439 21,612 SH   SOLE   0 0 21,612
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   1,064,357 54,526 SH   SOLE   0 0 54,526
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   1,028,941 49,755 SH   SOLE   0 0 49,755
ISHARES TR 0-5YR INVT GR CP 46434V100   992,176 19,612 SH   SOLE   0 0 19,612
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409   929,160 9,748 SH   SOLE   0 0 9,748
ISHARES TR MBS ETF 464288588   893,524 9,517 SH   SOLE   0 0 9,517
VANGUARD STAR FDS VG TL INTL STK F 921909768   889,698 12,877 SH   SOLE   0 0 12,877
VANGUARD INDEX FDS VALUE ETF 922908744   888,853 5,029 SH   SOLE   0 0 5,029
VANGUARD INDEX FDS SMALL CP ETF 922908751   886,357 3,740 SH   SOLE   0 0 3,740
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   883,051 6,871 SH   SOLE   0 0 6,871
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   873,735 1,538 SH   SOLE   0 0 1,538
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   853,417 5,189 SH   SOLE   0 0 5,189
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   841,330 10,146 SH   SOLE   0 0 10,146
ISHARES TR CORE S&P US GWT 464287671   830,216 5,520 SH   SOLE   0 0 5,520
ELI LILLY & CO COM 532457108   808,334 1,037 SH   SOLE   0 0 1,037
INNOVATOR ETFS TRUST EQUITY DEFIN 1YR 45784N700   804,482 30,949 SH   SOLE   0 0 30,949
ISHARES TR S&P SML 600 GWT 464287887   743,431 5,588 SH   SOLE   0 0 5,588
SPDR S&P 500 ETF TR TR UNIT 78462F103   727,420 1,177 SH   SOLE   0 0 1,177
ISHARES TR RUS 2000 GRW ETF 464287648   713,050 2,494 SH   SOLE   0 0 2,494
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   692,964 8,717 SH   SOLE   0 0 8,717
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   676,192 1,392 SH   SOLE   0 0 1,392
ISHARES TR S&P MC 400VL ETF 464287705   650,413 5,263 SH   SOLE   0 0 5,263
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   625,590 20,756 SH   SOLE   0 0 20,756
ISHARES TR ESG AWR MSCI USA 46435G425   623,484 4,608 SH   SOLE   0 0 4,608
ISHARES TR TIPS BD ETF 464287176   615,080 5,590 SH   SOLE   0 0 5,590
INNOVATOR ETFS TRUST EQUITY DEFINED P 45783Y251   603,390 21,412 SH   SOLE   0 0 21,412
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   587,268 11,696 SH   SOLE   0 0 11,696
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   577,586 8,838 SH   SOLE   0 0 8,838
INNOVATOR ETFS TRUST EQUITY DEFINED P 45784N106   577,261 22,301 SH   SOLE   0 0 22,301
VANGUARD INDEX FDS MID CAP ETF 922908629   560,879 2,004 SH   SOLE   0 0 2,004
ISHARES TR 0-5 YR TIPS ETF 46429B747   558,651 5,429 SH   SOLE   0 0 5,429
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   543,691 20,517 SH   SOLE   0 0 20,517
ISHARES TR INTRM GOV CR ETF 464288612   542,549 5,081 SH   SOLE   0 0 5,081
ISHARES TR CORE S&P SCP ETF 464287804   473,951 4,337 SH   SOLE   0 0 4,337
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   465,519 10,087 SH   SOLE   0 0 10,087
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   419,762 7,018 SH   SOLE   0 0 7,018
ISHARES TR LARGE CAP MAX BU 46438G612   407,120 14,799 SH   SOLE   0 0 14,799
CSX CORP COM 126408103   404,025 12,382 SH   SOLE   0 0 12,382
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   401,958 17,661 SH   SOLE   0 0 17,661
ISHARES TR RUS TP200 GR ETF 464289438   391,758 1,589 SH   SOLE   0 0 1,589
ISHARES TR SELECT DIVID ETF 464287168   383,229 2,886 SH   SOLE   0 0 2,886
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   374,973 14,981 SH   SOLE   0 0 14,981
JOHNSON & JOHNSON COM 478160104   361,806 2,369 SH   SOLE   0 0 2,369
ISHARES TR ISHS 5-10YR INVT 464288638   354,878 6,659 SH   SOLE   0 0 6,659
ISHARES TR CORE MSCI EAFE 46432F842   354,339 4,245 SH   SOLE   0 0 4,245
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   346,916 14,195 SH   SOLE   0 0 14,195
NVIDIA CORPORATION COM 67066G104   326,410 2,066 SH   SOLE   0 0 2,066
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   318,241 16,195 SH   SOLE   0 0 16,195
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   315,009 7,137 SH   SOLE   0 0 7,137
ISHARES TR 7-10 YR TRSY BD 464287440   280,965 2,934 SH   SOLE   0 0 2,934
ISHARES TR CORE S&P TTL STK 464287150   273,093 2,022 SH   SOLE   0 0 2,022
ISHARES TR MSCI EAFE ETF 464287465   272,420 3,048 SH   SOLE   0 0 3,048
ISHARES TR MRGSTR MD CP GRW 464288307   271,547 3,385 SH   SOLE   0 0 3,385
INNOVATOR ETFS TRUST EQUITY DEFINED P 45784N809   269,050 10,374 SH   SOLE   0 0 10,374
ISHARES TR RUSSELL 2000 ETF 464287655   263,884 1,223 SH   SOLE   0 0 1,223
VANGUARD WORLD FD ESG US STK ETF 921910733   262,861 2,397 SH   SOLE   0 0 2,397
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   259,683 11,496 SH   SOLE   0 0 11,496
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C532   255,262 7,005 SH   SOLE   0 0 7,005
ISHARES TR ESG AWR US AGRGT 46435U549   242,373 5,098 SH   SOLE   0 0 5,098
MICROSOFT CORP COM 594918104   239,835 482 SH   SOLE   0 0 482
INNOVATOR ETFS TRUST US EQTY ULTRA BU 45782C565   234,646 6,501 SH   SOLE   0 0 6,501
VANGUARD WORLD FD ESG INTL STK ETF 921910725   229,851 3,509 SH   SOLE   0 0 3,509
EVERSOURCE ENERGY COM 30040W108   226,573 3,561 SH   SOLE   0 0 3,561
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   226,406 5,297 SH   SOLE   0 0 5,297
SEMPRA COM 816851109   217,308 2,868 SH   SOLE   0 0 2,868
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C649   208,452 5,656 SH   SOLE   0 0 5,656
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C383   206,378 4,887 SH   SOLE   0 0 4,887