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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
ISHARES TR CORE S&P TTL STK 464287150   50,298,192 593,139 SH   SOLE   0 0 593,139
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   40,313,806 114,743 SH   SOLE   0 0 114,743
DBX ETF TR XTRACK MSCI EAFE 233051200   8,915,237 276,613 SH   SOLE   0 0 276,613
ISHARES TR IBONDS DEC23 ETF 46434VAX8   6,317,897 252,413 SH   SOLE   0 0 252,413
ISHARES TR IBONDS DEC24 ETF 46434VBG4   6,228,736 255,067 SH   SOLE   0 0 255,067
ISHARES TR IBONDS DEC25 ETF 46434VBD1   4,128,709 169,766 SH   SOLE   0 0 169,766
ISHARES TR IBONDS 23 TRM TS 46436E882   6,327,325 256,167 SH   SOLE   0 0 256,167
ISHARES TR IBONDS 24 TRM TS 46436E874   6,185,164 259,336 SH   SOLE   0 0 259,336
ISHARES TR IBONDS 25 TRM TS 46436E866   4,107,197 176,426 SH   SOLE   0 0 176,426
ISHARES TR RUS 1000 GRW ETF 464287614   288,581 1,347 SH   SOLE   0 0 1,347
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   829,478 18,511 SH   SOLE   0 0 18,511
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   30,895,180 408,991 SH   SOLE   0 0 408,991