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
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   594,966 2,857 SH   SOLE 0 2,856 0 0
WILLIAMS SONOMA INC COM Stock 969904101   346,108 1,090 SH   SOLE 0 1,090 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   175,852,875 676,617 SH   SOLE 0 676,617 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   10,480,315 152,330 SH   SOLE 0 152,330 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   474,127 11,542 SH   SOLE 0 11,541 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   575,339 3,546 SH   SOLE 0 3,546 0 0
COCA COLA CO COM Stock 191216100   237,501 3,882 SH   SOLE 0 3,882 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   7,737,183 378,717 SH   SOLE 0 378,716 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   73,264,042 847,179 SH   SOLE 0 847,179 0 0
INTEL CORP COM Stock 458140100   240,152 5,437 SH   SOLE 0 5,437 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   5,525,708 10,564 SH   SOLE 0 10,563 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822   532,184 7,459 SH   SOLE 0 7,458 0 0
ISHARES TIPS BOND ETF ETF 464287176   27,847,500 259,264 SH   SOLE 0 259,263 0 0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF ETF 46138J833   2,322,263 102,167 SH   SOLE 0 102,167 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   3,218,610 27,547 SH   SOLE 0 27,547 0 0
PEPSICO INC COM Stock 713448108   275,641 1,575 SH   SOLE 0 1,575 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   329,433 2,230 SH   SOLE 0 2,229 0 0
SPDR GOLD SHARES ETF 78463V107   1,446,417 7,031 SH   SOLE 0 7,031 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   6,107,142 18,119 SH   SOLE 0 18,119 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   219,827,573 3,600,779 SH   SOLE 0 3,600,779 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   108,503,209 2,780,708 SH   SOLE 0 2,780,707 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739   5,503,118 61,214 SH   SOLE 0 61,213 0 0
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783   3,240,819 168,005 SH   SOLE 0 168,005 0 0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF ETF 46138J817   2,075,958 90,456 SH   SOLE 0 90,455 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853   49,199,078 1,344,604 SH   SOLE 0 1,344,604 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   40,877,704 369,867 SH   SOLE 0 369,867 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   3,256,927 7,745 SH   SOLE 0 7,745 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   44,939,631 1,779,787 SH   SOLE 0 1,779,787 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   68,051,169 845,251 SH   SOLE 0 845,251 0 0
PG&E CORP COM Stock 69331C108   374,754 22,360 SH   SOLE 0 22,360 0 0
MICROSOFT CORP COM Stock 594918104   1,441,807 3,427 SH   SOLE 0 3,427 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791   7,214,413 375,555 SH   SOLE 0 375,555 0 0
AMERIPRISE FINL INC COM Stock 03076C106   280,602 640 SH   SOLE 0 640 0 0
INVESCO BULLETSHARES 2028 CORPORATE BOND ETF ETF 46138J643   3,211,220 160,001 SH   SOLE 0 160,001 0 0
INVESCO BULLETSHARES 2026 HIGH YIELD CORP BOND ETF ETF 46138J635   1,756,756 75,788 SH   SOLE 0 75,787 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   2,787,415 12,194 SH   SOLE 0 12,193 0 0
VANGUARD LARGE-CAP ETF ETF 922908637   1,294,704 5,400 SH   SOLE 0 5,400 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   685,786 16,282 SH   SOLE 0 16,281 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   1,484,125 22,039 SH   SOLE 0 22,039 0 0
SCHWAB US TIPS ETF ETF 808524870   6,781,920 130,021 SH   SOLE 0 130,021 0 0
VANGUARD S&P 500 ETF ETF 922908363   2,975,559 6,190 SH   SOLE 0 6,190 0 0
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676   760,332 18,043 SH   SOLE 0 18,043 0 0
VANGUARD S&P SMALL-CAP 600 ETF ETF 921932828   1,771,617 17,454 SH   SOLE 0 17,454 0 0
ELI LILLY & CO COM Stock 532457108   515,787 663 SH   SOLE 0 663 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   856,483 6,834 SH   SOLE 0 6,833 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   2,572,581 12,233 SH   SOLE 0 12,232 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718   2,002,423 19,883 SH   SOLE 0 19,883 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   891,814 7,813 SH   SOLE 0 7,813 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866   1,517,353 19,957 SH   SOLE 0 19,957 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,361,007 12,305 SH   SOLE 0 12,304 0 0
VANECK MORTGAGE REIT INCOME ETF ETF 92189F452   414,397 35,449 SH   SOLE 0 35,448 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   537,327 16,818 SH   SOLE 0 16,817 0 0
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   352,960 6,194 SH   SOLE 0 6,194 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   1,486,498 5,702 SH   SOLE 0 5,701 0 0
CANADIAN PACIFIC KANSAS CITY COM Stock 13646K108   254,282 2,884 SH   SOLE 0 2,884 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   12,094,095 166,517 SH   SOLE 0 166,516 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   748,631 12,764 SH   SOLE 0 12,764 0 0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF ETF 464286475   997,151 16,944 SH   SOLE 0 16,943 0 0
ROCKWELL AUTOMATION INC COM Stock 773903109   315,419 1,083 SH   SOLE 0 1,082 0 0
CISCO SYS INC COM Stock 17275R102   411,758 8,250 SH   SOLE 0 8,250 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885   342,707 5,367 SH   SOLE 0 5,367 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   7,639,998 98,289 SH   SOLE 0 98,288 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   1,251,186 2,380 SH   SOLE 0 2,379 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687   13,332,793 413,676 SH   SOLE 0 413,676 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   257,456 566 SH   SOLE 0 566 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   330,495 1,650 SH   SOLE 0 1,650 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   7,826,124 151,669 SH   SOLE 0 151,669 0 0
CHEVRON CORP NEW COM Stock 166764100   236,610 1,500 SH   SOLE 0 1,500 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   82,605,188 1,646,506 SH   SOLE 0 1,646,505 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   1,409,331 10,739 SH   SOLE 0 10,738 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   301,526 1,579 SH   SOLE 0 1,579 0 0
ORACLE CORP COM Stock 68389X105   509,349 4,055 SH   SOLE 0 4,055 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   30,770,233 736,659 SH   SOLE 0 736,658 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   28,275,480 233,701 SH   SOLE 0 233,700 0 0
CATERPILLAR INC COM Stock 149123101   302,305 825 SH   SOLE 0 825 0 0
AMERICAN EXPRESS CO COM Stock 025816109   423,048 1,858 SH   SOLE 0 1,858 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   1,389,880 21,947 SH   SOLE 0 21,946 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   81,676,097 833,940 SH   SOLE 0 833,940 0 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   7,986,519 380,855 SH   SOLE 0 380,854 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   5,622,312 18,736 SH   SOLE 0 18,736 0 0
SPDR DOW JONES REIT ETF ETF 78464A607   3,286,353 34,868 SH   SOLE 0 34,868 0 0
EXXON MOBIL CORP COM Stock 30231G102   352,207 3,030 SH   SOLE 0 3,030 0 0
LOWES COS INC COM Stock 548661107   318,413 1,250 SH   SOLE 0 1,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   5,164,577 85,028 SH   SOLE 0 85,027 0 0
ISHARES MSCI EAFE ETF ETF 464287465   2,357,328 29,518 SH   SOLE 0 29,518 0 0
APPLE INC COM Stock 037833100   2,893,566 16,874 SH   SOLE 0 16,874 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   259,746 2,351 SH   SOLE 0 2,350 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   5,989,551 33,441 SH   SOLE 0 33,440 0 0