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
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD REIT INDEX ETF ETF 922908553 3,179 34,895 SH   SOLE 0 1,298 0 33,596
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158 1,220 11,657 SH   SOLE 0 1,142 0 10,514
SPDR S&P 500 ETF ETF 78462F103 213 563 SH   SOLE 0 0 0 563
ABRDN BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF ETF 003261104 956 35,181 SH   SOLE 0 0 0 35,181
ISHARES RUSSELL 2000 VALUE ETF 464287630 447 3,280 SH   SOLE 0 489 0 2,790
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 216 5,550 SH   SOLE 0 0 0 5,550
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 1,373 6,276 SH   SOLE 0 0 0 6,275
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 215 4,877 SH   SOLE 0 0 0 4,876
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 458 14,566 SH   SOLE 0 0 0 14,565
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 2,401 53,765 SH   SOLE 0 0 0 53,765
ISHARES US REAL ESTATE ETF ETF 464287739 1,297 14,106 SH   SOLE 0 460 0 13,644
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 2,457 42,365 SH   SOLE 0 0 0 42,365
ISHARES S&P SMALLCAP 600 ETF ETF 464287804 970 10,497 SH   SOLE 0 0 0 10,496
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 315 12,427 SH   SOLE 0 0 0 12,427
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 2,053 32,886 SH   SOLE 0 0 0 32,886
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 567 1,372 SH   SOLE 0 0 0 1,371
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 1,077 17,664 SH   SOLE 0 0 0 17,663
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839 582 9,618 SH   SOLE 0 0 0 9,617
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473 1,179 11,604 SH   SOLE 0 1,202 0 10,401
ISHARES RUSSELL 2000 ETF ETF 464287655 752 4,438 SH   SOLE 0 0 0 4,438
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834 1,182 20,724 SH   SOLE 0 6,244 0 14,479
ISHARES CORE MSCI EAFE ETF 46432F842 17,176 291,857 SH   SOLE 0 7,404 0 284,453
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 6,536 133,234 SH   SOLE 0 2,023 0 131,210
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499 506 7,827 SH   SOLE 0 0 0 7,826
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 2,191 20,806 SH   SOLE 0 943 0 19,862
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881 512 12,498 SH   SOLE 0 0 0 12,497
ISHARES S&P 500 VALUE ETF ETF 464287408 8,776 63,846 SH   SOLE 0 5,190 0 58,655
ISHARES S&P 500 GROWTH ETF ETF 464287309 7,024 116,383 SH   SOLE 0 1,183 0 115,199
ISHARES S&P 500 INDEX ETF 464287200 12,007 31,667 SH   SOLE 0 1,362 0 30,304
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 339 2,617 SH   SOLE 0 0 0 2,616
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 786 22,597 SH   SOLE 0 1,396 0 21,200
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 4,973 121,877 SH   SOLE 0 3,531 0 118,345
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879 3,517 39,504 SH   SOLE 0 1,296 0 38,207
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 7,189 112,799 SH   SOLE 0 5,113 0 107,685
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705 4,318 45,739 SH   SOLE 0 1,785 0 43,952
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 717 8,400 SH   SOLE 0 391 0 8,008
ISHARES CORE S&P MID CAP ETF ETF 464287507 2,040 9,017 SH   SOLE 0 817 0 8,199
ISHARES RUSSELL 1000 ETF ETF 464287622 1,521 7,322 SH   SOLE 0 0 0 7,322
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 3,989 27,516 SH   SOLE 0 0 0 27,516