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
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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
AFLAC INC COM 001055102   1,613 21,015 SH   SOLE   21,015 0 0
ABBVIE INC COM 00287Y109   1,983 13,302 SH   SOLE   13,302 0 0
AIR PRODS & CHEMS INC COM 009158106   2,062 7,277 SH   SOLE   7,277 0 0
ALLSTATE CORP COM 020002101   1,733 15,553 SH   SOLE   15,553 0 0
APPLE INC COM 037833100   2,030 11,855 SH   SOLE   11,855 0 0
BLACKROCK INC COM 09247X101   1,035 1,601 SH   SOLE   1,601 0 0
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   439 8,732 SH   SOLE   8,732 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,356 23,355 SH   SOLE   23,355 0 0
BROADCOM INC COM 11135F101   1,547 1,862 SH   SOLE   1,862 0 0
CME GROUP INC COM 12572Q105   1,472 7,354 SH   SOLE   7,354 0 0
CHEVRON CORP NEW COM 166764100   1,360 8,065 SH   SOLE   8,065 0 0
CISCO SYS INC COM 17275R102   1,178 21,906 SH   SOLE   21,906 0 0
CORNING INC COM 219350105   1,308 42,916 SH   SOLE   42,916 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,829 3,237 SH   SOLE   3,237 0 0
CUMMINS INC COM 231021106   1,412 6,179 SH   SOLE   6,179 0 0
EXXON MOBIL CORP COM 30231G102   1,624 13,816 SH   SOLE   13,816 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN HDG 35473P637   251 7,953 SH   SOLE   7,953 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744   143 5,421 SH   SOLE   5,421 0 0
HOME DEPOT INC COM 437076102   1,665 5,511 SH   SOLE   5,511 0 0
ISHARES INC MSCI JAPN SMCETF 464286582   13 193 SH   SOLE   193 0 0
ISHARES TR S&P 500 INDEX 464287200   203 472 SH   SOLE   472 0 0
ISHARES TR CORE US AGGBD ET 464287226   20,260 215,444 SH   SOLE   215,444 0 0
ISHARES TR IBOXX INV CPBD 464287242   23 223 SH   SOLE   223 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   158 1,728 SH   SOLE   1,728 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109   53,370 823,988 SH   SOLE   823,988 0 0
ISHARES TR GL TIMB FORE ETF 464288174   352 4,752 SH   SOLE   4,752 0 0
ISHARES TR MRGSTR MD CP ETF 464288208   9,435 157,955 SH   SOLE   157,955 0 0
ISHARES TR MRGSTR MD CP GRW 464288307   9,671 169,277 SH   SOLE   169,277 0 0
ISHARES TR MRGSTR MD CP VAL 464288406   13,579 224,112 SH   SOLE   224,112 0 0
ISHARES TR MRGSTR SM CP GR 464288604   5,794 149,473 SH   SOLE   149,473 0 0
ISHARES TR MRNING SM CP ETF 464288703   9,999 193,110 SH   SOLE   193,110 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   67 687 SH   SOLE   687 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   2,397 39,755 SH   SOLE   39,755 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   138 2,730 SH   SOLE   2,730 0 0
JPMORGAN CHASE & CO COM 46625H100   1,457 10,046 SH   SOLE   10,046 0 0
JOHNSON & JOHNSON COM 478160104   1,673 10,740 SH   SOLE   10,740 0 0
LOCKHEED MARTIN CORP COM 539830109   974 2,381 SH   SOLE   2,381 0 0
MERCK & CO INC COM 58933Y105   1,530 14,862 SH   SOLE   14,862 0 0
MICROSOFT CORP COM 594918104   2,027 6,419 SH   SOLE   6,419 0 0
NEXTERA ENERGY INC COM 65339F101   1,210 21,119 SH   SOLE   21,119 0 0
NORTHROP GRUMMAN CORP COM 666807102   1,110 2,521 SH   SOLE   2,521 0 0
PAYCHEX INC COM 704326107   1,482 12,846 SH   SOLE   12,846 0 0
PEPSICO INC COM 713448108   1,031 6,082 SH   SOLE   6,082 0 0
PRICE T ROWE GROUP INC COM 74144T108   1,451 13,840 SH   SOLE   13,840 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   715 9,941 SH   SOLE   9,941 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   28,857 570,299 SH   SOLE   570,299 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   7,939 191,682 SH   SOLE   191,682 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   14,095 199,195 SH   SOLE   199,195 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   67,004 1,973,036 SH   SOLE   1,973,036 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   29,125 576,847 SH   SOLE   576,847 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,870 53,880 SH   SOLE   53,880 0 0
SIMPLIFY EXCHANGE TRADED FUN ENHANCED INM ETF 82889N632   14 544 SH   SOLE   544 0 0
TEXAS INSTRS INC COM 882508104   1,744 10,965 SH   SOLE   10,965 0 0
UNION PAC CORP COM 907818108   1,434 7,044 SH   SOLE   7,044 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,624 10,422 SH   SOLE   10,422 0 0
VALERO ENERGY CORP COM 91913Y100   984 6,947 SH   SOLE   6,947 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   27,679 705,924 SH   SOLE   705,924 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   359 2,813 SH   SOLE   2,813 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   19,446 258,765 SH   SOLE   258,765 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,093 80,187 SH   SOLE   80,187 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   2,075 41,233 SH   SOLE   41,233 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   110 2,997 SH   SOLE   2,997 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,933 6,294 SH   SOLE   6,294 0 0
MEDTRONIC PLC SHS G5960L103   1,569 20,023 SH   SOLE   20,023 0 0