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
ABBOTT LABS COM 002824100   388,254 3,834 SH   SOLE   0 0 3,834
ABBVIE INC COM 00287Y109   480,262 3,014 SH   SOLE   0 0 3,014
ALPHABET INC CAP STK CL A 02079K305   641,051 6,180 SH   SOLE   0 0 6,180
ALPHABET INC CAP STK CL C 02079K107   336,960 3,240 SH   SOLE   0 0 3,240
AMAZON COM INC COM 023135106   221,350 2,143 SH   SOLE   0 0 2,143
APPLE INC COM 037833100   6,652,482 40,343 SH   SOLE   0 0 40,343
BANK AMERICA CORP COM 060505104   282,001 9,860 SH   SOLE   0 0 9,860
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   406,341 1,316 SH   SOLE   0 0 1,316
BRISTOL-MYERS SQUIBB CO COM 110122108   402,968 5,814 SH   SOLE   0 0 5,814
CHEVRON CORP NEW COM 166764100   569,924 3,493 SH   SOLE   0 0 3,493
COSTCO WHSL CORP NEW COM 22160K105   309,063 622 SH   SOLE   0 0 622
DBX ETF TR XTRACK USD HIGH 233051432   5,392,153 155,170 SH   SOLE   0 0 155,170
DEVON ENERGY CORP NEW COM 25179M103   321,728 6,357 SH   SOLE   0 0 6,357
GENUINE PARTS CO COM 372460105   282,419 1,688 SH   SOLE   0 0 1,688
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   600,637 28,877 SH   SOLE   0 0 28,877
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   10,228,071 70,724 SH   SOLE   0 0 70,724
ISHARES INC MSCI GBL MIN VOL 464286525   1,557,150 16,095 SH   SOLE   0 0 16,095
ISHARES INC CORE MSCI EMKT 46434G103   1,044,938 21,417 SH   SOLE   0 0 21,417
ISHARES TR CORE MSCI EAFE 46432F842   14,963,861 223,842 SH   SOLE   0 0 223,842
ISHARES TR MSCI USA MIN VOL 46429B697   1,135,975 15,617 SH   SOLE   0 0 15,617
ISHARES TR BROAD USD HIGH 46435U853   3,613,868 101,656 SH   SOLE   0 0 101,656
ISHARES TR NATIONAL MUN ETF 464288414   3,879,962 36,012 SH   SOLE   0 0 36,012
ISHARES TR ISHS 1-5YR INVS 464288646   4,436,476 87,781 SH   SOLE   0 0 87,781
ISHARES TR SHRT NAT MUN ETF 464288158   506,204 4,836 SH   SOLE   0 0 4,836
ISHARES TR RUS 2000 GRW ETF 464287648   774,210 3,413 SH   SOLE   0 0 3,413
ISHARES TR SP SMCP600VL ETF 464287879   1,738,161 18,572 SH   SOLE   0 0 18,572
ISHARES TR CORE S&P500 ETF 464287200   4,011,922 9,759 SH   SOLE   0 0 9,759
ISHARES TR S&P 500 GRWT ETF 464287309   1,115,711 17,463 SH   SOLE   0 0 17,463
ISHARES TR MSCI EAFE ETF 464287465   297,166 4,155 SH   SOLE   0 0 4,155
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   658,292 13,082 SH   SOLE   0 0 13,082
JOHNSON & JOHNSON COM 478160104   529,722 3,418 SH   SOLE   0 0 3,418
LINCOLN ELEC HLDGS INC COM 533900106   312,835 1,850 SH   SOLE   0 0 1,850
MCDONALDS CORP COM 580135101   450,459 1,611 SH   SOLE   0 0 1,611
MICROSOFT CORP COM 594918104   1,149,058 3,986 SH   SOLE   0 0 3,986
MOODYS CORP COM 615369105   585,110 1,912 SH   SOLE   0 0 1,912
NVIDIA CORPORATION COM 67066G104   348,927 1,256 SH   SOLE   0 0 1,256
PACER FDS TR PACER US SMALL 69374H857   6,099,129 160,250 SH   SOLE   0 0 160,250
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   36,175,822 747,898 SH   SOLE   0 0 747,898
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,131,115 241,620 SH   SOLE   0 0 241,620
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,617,373 70,408 SH   SOLE   0 0 70,408
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   564,083 23,005 SH   SOLE   0 0 23,005
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,189,310 44,872 SH   SOLE   0 0 44,872
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   20,262,857 582,266 SH   SOLE   0 0 582,266
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   554,258 17,240 SH   SOLE   0 0 17,240
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,606,185 134,960 SH   SOLE   0 0 134,960
SPDR SER TR NUVEEN BLOOMBERG 78464A284   5,744,647 229,419 SH   SOLE   0 0 229,419
SPDR SER TR SSGA US LRG ETF 78468R804   1,201,731 8,785 SH   SOLE   0 0 8,785
SPDR SER TR PRTFLO S&P500 VL 78464A508   21,140,708 519,173 SH   SOLE   0 0 519,173
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,015,481 21,356 SH   SOLE   0 0 21,356
SPDR SER TR PRTFLO S&P500 GW 78464A409   22,569,817 407,692 SH   SOLE   0 0 407,692
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   465,214 5,067 SH   SOLE   0 0 5,067
TEXAS PACIFIC LAND CORPORATI COM 88262P102   201,124 118 SH   SOLE   0 0 118
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   3,452,253 66,723 SH   SOLE   0 0 66,723
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   6,227,548 77,112 SH   SOLE   0 0 77,112
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   19,677,403 266,523 SH   SOLE   0 0 266,523
VANGUARD INDEX FDS LARGE CAP ETF 922908637   234,608 1,256 SH   SOLE   0 0 1,256
VANGUARD INDEX FDS VALUE ETF 922908744   7,717,063 55,876 SH   SOLE   0 0 55,876
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,607,308 16,423 SH   SOLE   0 0 16,423
VANGUARD INDEX FDS GROWTH ETF 922908736   5,704,826 22,871 SH   SOLE   0 0 22,871
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,630,411 16,776 SH   SOLE   0 0 16,776
VANGUARD INDEX FDS TOTAL STK MKT 922908769   339,341 1,663 SH   SOLE   0 0 1,663
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   340,577 906 SH   SOLE   0 0 906
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   19,557,252 484,090 SH   SOLE   0 0 484,090
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,610,714 54,595 SH   SOLE   0 0 54,595
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   10,308,189 203,478 SH   SOLE   0 0 203,478
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623   4,471,558 27,092 SH   SOLE   0 0 27,092
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   46,521,333 1,029,917 SH   SOLE   0 0 1,029,917
VANGUARD WORLD FDS INF TECH ETF 92204A702   933,110 2,421 SH   SOLE   0 0 2,421
VICTORY PORTFOLIOS II VCSHS INTL VOLTY 92647N840   659,738 16,605 SH   SOLE   0 0 16,605
VISA INC COM CL A 92826C839   322,812 1,432 SH   SOLE   0 0 1,432