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
AFLAC INC COM 001055102 697 12,394 SH   SOLE   12,394 0 0
ABBVIE INC COM 00287Y109 1,095 8,162 SH   SOLE   8,162 0 0
AIR PRODS & CHEMS INC COM 009158106 978 4,203 SH   SOLE   4,203 0 0
ALLSTATE CORP COM 020002101 1,159 9,309 SH   SOLE   9,309 0 0
APPLE INC COM 037833100 1,222 8,845 SH   SOLE   8,845 0 0
BLACKROCK INC COM 09247X101 538 978 SH   SOLE   978 0 0
BROADCOM INC COM 11135F101 1,082 2,438 SH   SOLE   2,438 0 0
CHEVRON CORP NEW COM 166764100 832 5,789 SH   SOLE   5,789 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,251 2,649 SH   SOLE   2,649 0 0
CUMMINS INC COM 231021106 749 3,681 SH   SOLE   3,681 0 0
EXXON MOBIL CORP COM 30231G102 851 9,749 SH   SOLE   9,749 0 0
HOME DEPOT INC COM 437076102 908 3,289 SH   SOLE   3,289 0 0
ISHARES TR CORE US AGGBD ET 464287226 20,190 209,567 SH   SOLE   209,567 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109 44,160 782,014 SH   SOLE   782,014 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 8,006 148,582 SH   SOLE   148,582 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 8,101 160,804 SH   SOLE   160,804 0 0
ISHARES TR MRGSTR MD CP VAL 464288406 11,847 211,786 SH   SOLE   211,786 0 0
ISHARES TR MRGSTR SM CP GR 464288604 4,902 141,443 SH   SOLE   141,443 0 0
ISHARES TR MRNING SM CP ETF 464288703 8,633 181,626 SH   SOLE   181,626 0 0
JPMORGAN CHASE & CO COM 46625H100 621 5,938 SH   SOLE   5,938 0 0
JOHNSON & JOHNSON COM 478160104 1,031 6,314 SH   SOLE   6,314 0 0
LOCKHEED MARTIN CORP COM 539830109 742 1,922 SH   SOLE   1,922 0 0
MERCK & CO INC COM 58933Y105 1,175 13,642 SH   SOLE   13,642 0 0
MICROSOFT CORP COM 594918104 911 3,910 SH   SOLE   3,910 0 0
NEXTERA ENERGY INC COM 65339F101 1,244 15,866 SH   SOLE   15,866 0 0
NORTHROP GRUMMAN CORP COM 666807102 889 1,890 SH   SOLE   1,890 0 0
PAYCHEX INC COM 704326107 1,146 10,213 SH   SOLE   10,213 0 0
PFIZER INC COM 717081103 348 7,951 SH   SOLE   7,951 0 0
PRICE T ROWE GROUP INC COM 74144T108 593 5,645 SH   SOLE   5,645 0 0
PROCTER AND GAMBLE CO COM 742718109 935 7,402 SH   SOLE   7,402 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 665 8,120 SH   SOLE   8,120 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 23,027 543,730 SH   SOLE   543,730 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,806 180,053 SH   SOLE   180,053 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 15,125 227,681 SH   SOLE   227,681 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 52,088 1,851,681 SH   SOLE   1,851,681 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 37,001 1,979,722 SH   SOLE   1,979,722 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 30,864 595,836 SH   SOLE   595,836 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,720 51,657 SH   SOLE   51,657 0 0
SOUTHERN CO COM 842587107 885 13,011 SH   SOLE   13,011 0 0
TEXAS INSTRS INC COM 882508104 749 4,836 SH   SOLE   4,836 0 0
UNION PAC CORP COM 907818108 839 4,304 SH   SOLE   4,304 0 0
VALERO ENERGY CORP COM 91913Y100 771 7,216 SH   SOLE   7,216 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 24,010 657,980 SH   SOLE   657,980 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 188 1,323 SH   SOLE   1,323 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 19,306 259,908 SH   SOLE   259,908 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,033 79,711 SH   SOLE   79,711 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 984 3,823 SH   SOLE   3,823 0 0
MEDTRONIC PLC SHS G5960L103 850 10,527 SH   SOLE   10,527 0 0