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
AMAZON COM INC COM 023135106   805,208 247 SH   SOLE 0 0 0 247
APPLE INC COM 037833100   2,457,222 14,073 SH   SOLE 0 0 0 14,073
BALL CORP COM 058498106   406,342 4,515 SH   SOLE 0 0 0 4,515
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,358,704 3,850 SH   SOLE 0 0 0 3,850
CUMMINS INC COM 231021106   273,864 1,335 SH   SOLE 0 0 0 1,335
DBX ETF TR XTRACK MUN INFRA 233051705   318,671 12,012 SH   SOLE 0 0 0 12,012
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882   1,991,870 93,691 SH   SOLE 0 0 0 93,691
INVESCO QQQ TR UNIT SER 1 46090E103   8,473,632 23,373 SH   SOLE 0 0 0 23,373
ISHARES INC MSCI GBL MIN VOL 464286525   7,802,946 74,441 SH   SOLE 0 0 0 74,441
ISHARES TR MSCI USA MMENTM 46432F396   8,165,001 48,523 SH   SOLE 0 0 0 48,523
ISHARES TR 0-5YR HI YL CP 46434V407   339,783 7,729 SH   SOLE 0 0 0 7,729
ISHARES TR MSCI LW CRB TG 46434V464   294,955 1,807 SH   SOLE 0 0 0 1,807
ISHARES TR MSCI GBL SUS DEV 46435G532   364,558 4,274 SH   SOLE 0 0 0 4,274
ISHARES TR ESG AWR MSCI USA 46435G425   1,186,323 11,705 SH   SOLE 0 0 0 11,705
ISHARES TR ESG AWR US AGRGT 46435U549   1,319,827 25,558 SH   SOLE 0 0 0 25,558
ISHARES TR USD GRN BOND ETF 46435U440   449,898 8,893 SH   SOLE 0 0 0 8,893
ISHARES TR RUS 1000 ETF 464287622   408,812 1,635 SH   SOLE 0 0 0 1,635
ISHARES TR RUS 1000 GRW ETF 464287614   568,585 2,048 SH   SOLE 0 0 0 2,048
ISHARES TR RUSSELL 2000 ETF 464287655   318,449 1,551 SH   SOLE 0 0 0 1,551
ISHARES TR RUSSELL 3000 ETF 464287689   373,598 1,424 SH   SOLE 0 0 0 1,424
ISHARES TR RUS MD CP GR ETF 464287481   284,181 2,828 SH   SOLE 0 0 0 2,828
ISHARES TR RUS MDCP VAL ETF 464287473   259,884 2,172 SH   SOLE 0 0 0 2,172
ISHARES TR PFD AND INCM SEC 464288687   400,534 10,998 SH   SOLE 0 0 0 10,998
ISHARES TR SHRT NAT MUN ETF 464288158   327,615 3,132 SH   SOLE 0 0 0 3,132
ISHARES TR MSCI USA MIN VOL 46429B697   8,372,143 107,930 SH   SOLE 0 0 0 107,930
JOHNSON & JOHNSON COM 478160104   282,765 1,595 SH   SOLE 0 0 0 1,595
JPMORGAN CHASE & CO COM 46625H100   446,218 3,273 SH   SOLE 0 0 0 3,273
META PLATFORMS INC CL A 30303M102   279,507 1,257 SH   SOLE 0 0 0 1,257
MICROSOFT CORP COM 594918104   496,410 1,610 SH   SOLE 0 0 0 1,610
ORACLE CORP COM 68389X105   262,616 3,174 SH   SOLE 0 0 0 3,174
PACER FDS TR TRENDP 100 ETF 69374H303   4,844,754 92,758 SH   SOLE 0 0 0 92,758
PROCTER AND GAMBLE CO COM 742718109   597,614 3,911 SH   SOLE 0 0 0 3,911
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   28,970,205 572,873 SH   SOLE 0 0 0 572,873
SPDR S&P 500 ETF TR TR UNIT 78462F103   257,595 570 SH   SOLE 0 0 0 570
SPDR SER TR BLOOMBERG HIGH Y 78468R622   429,200 4,187 SH   SOLE 0 0 0 4,187
SPDR SER TR NUVEEN BLOOMBERG 78464A284   321,087 5,822 SH   SOLE 0 0 0 5,822
SPDR SER TR SSGA GNDER ETF 78468R747   289,173 3,133 SH   SOLE 0 0 0 3,133
TESLA INC COM 88160R101   313,582 291 SH   SOLE 0 0 0 291
THERMO FISHER SCIENTIFIC INC COM 883556102   237,353 402 SH   SOLE 0 0 0 402
UNITEDHEALTH GROUP INC COM 91324P102   266,753 523 SH   SOLE 0 0 0 523
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   502,789 6,321 SH   SOLE 0 0 0 6,321
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   491,453 4,535 SH   SOLE 0 0 0 4,535
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   369,150 889 SH   SOLE 0 0 0 889
VANGUARD INDEX FDS TOTAL STK MKT 922908769   388,278 1,705 SH   SOLE 0 0 0 1,705
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,183,394 22,956 SH   SOLE 0 0 0 22,956
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,153,933 50,283 SH   SOLE 0 0 0 50,283
VANGUARD STAR FDS VG TL INTL STK F 921909768   328,295 5,495 SH   SOLE 0 0 0 5,495
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   468,314 4,172 SH   SOLE 0 0 0 4,172
VANGUARD WORLD FD ESG INTL STK ETF 921910725   370,516 6,478 SH   SOLE 0 0 0 6,478
WATERS CORP COM 941848103   269,108 867 SH   SOLE 0 0 0 867