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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P TTL STK 464287150 48,411 577,837 SH   SOLE   0 0 577,837
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 39,040 112,548 SH   SOLE   0 0 112,548
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 35,794 727,670 SH   SOLE   0 0 727,670
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 32,683 114,052 SH   SOLE   0 0 114,052
DBX ETF TR XTRACK MSCI EAFE 233051200 9,138 262,534 SH   SOLE   0 0 262,534
ISHARES TR IBONDS DEC23 ETF 46434VAX8 6,153 245,265 SH   SOLE   0 0 245,265
ISHARES TR IBONDS DEC24 ETF 46434VBG4 6,147 248,376 SH   SOLE   0 0 248,376
ISHARES TR IBONDS DEC25 ETF 46434VBD1 4,079 165,168 SH   SOLE   0 0 165,168
ISHARES TR IBONDS 23 TRM TS 46436E882 6,149 246,658 SH   SOLE   0 0 246,658
ISHARES TR IBONDS 24 TRM TS 46436E874 6,159 252,130 SH   SOLE   0 0 252,130
ISHARES TR IBONDS 25 TRM TS 46436E866 4,110 171,431 SH   SOLE   0 0 171,431
ISHARES TR RUS 1000 GRW ETF 464287614 294 1,347 SH   SOLE   0 0 1,347
ISHARES TR MSCI USA QLT FCT 46432F339 14,820 132,645 SH   SOLE   0 0 132,645
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 515 11,664 SH   SOLE   0 0 11,664
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 24,758 345,646 SH   SOLE   0 0 345,646