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
ABRDN NATL MUN INCOME FD SH BEN INT 24610T108   374,703 36,700 SH   SOLE   0 0 36,700
APPLE INC COM 037833100   535,305 2,780 SH   SOLE   0 0 2,780
ARES CAPITAL CORP NOTE 4.625% 3/0 04010LAW3   12,609 12,000 SH   SOLE   0 0 12,000
ASBURY AUTOMOTIVE GROUP INC COM 043436104   1,188,742 5,284 SH   SOLE   0 0 5,284
BOOKING HOLDINGS INC NOTE 0.750% 5/0 09857LAN8   18,817 10,000 SH   SOLE   0 0 10,000
CITIGROUP INC COM NEW 172967424   243,878 4,741 SH   SOLE   0 0 4,741
EURONET WORLDWIDE INC NOTE 0.750% 3/1 298736AL3   13,154 14,000 SH   SOLE   0 0 14,000
EXPEDIA GROUP INC NOTE 2/1 30212PBE4   9,444 10,000 SH   SOLE   0 0 10,000
FIRST TR MORNINGSTAR DIVID L SHS 336917109   624,326 17,400 SH   SOLE   0 0 17,400
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   276,566 11,386 SH   SOLE   0 0 11,386
GLOBAL X FDS GENOMIC BIOTECH 37954Y434   737,909 63,843 SH   SOLE   0 0 63,843
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   869,608 8,719 SH   SOLE   0 0 8,719
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   1,225,138 7,269 SH   SOLE   0 0 7,269
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   313,425 8,904 SH   SOLE   0 0 8,904
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   213,247 5,688 SH   SOLE   0 0 5,688
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   25,243,410 159,971 SH   SOLE   0 0 159,971
INVESCO QQQ TR UNIT SER 1 46090E103   3,003,184 7,333 SH   SOLE   0 0 7,333
ISHARES INC CORE MSCI EMKT 46434G103   893,886 17,673 SH   SOLE   0 0 17,673
ISHARES INC MSCI EMRG CHN 46434G764   257,998 4,656 SH   SOLE   0 0 4,656
ISHARES TR 0-3 MNTH TREASRY 46436E718   224,587 2,240 SH   SOLE   0 0 2,240
ISHARES TR CORE MSCI TOTAL 46432F834   3,474,955 53,518 SH   SOLE   0 0 53,518
ISHARES TR CORE S&P500 ETF 464287200   1,026,686 2,150 SH   SOLE   0 0 2,150
ISHARES TR IBONDS 2026 TERM 46436E528   509,089 22,212 SH   SOLE   0 0 22,212
ISHARES TR IBONDS 2027 TERM 46436E478   328,576 14,794 SH   SOLE   0 0 14,794
ISHARES TR IBONDS 24 TRM HG 46435U184   607,796 26,187 SH   SOLE   0 0 26,187
ISHARES TR IBONDS 25 TRM HG 46435U168   417,599 18,078 SH   SOLE   0 0 18,078
ISHARES TR IBONDS 27 ETF 46435UAA9   1,262,107 52,742 SH   SOLE   0 0 52,742
ISHARES TR IBONDS DEC2026 46435GAA0   1,882,208 78,753 SH   SOLE   0 0 78,753
ISHARES TR IBONDS DEC24 ETF 46434VBG4   914,255 36,702 SH   SOLE   0 0 36,702
ISHARES TR IBONDS DEC25 ETF 46434VBD1   1,534,573 61,978 SH   SOLE   0 0 61,978
ISHARES TR MSCI EAFE ETF 464287465   334,987 4,446 SH   SOLE   0 0 4,446
ISHARES TR MSCI EMG MKT ETF 464287234   401,300 9,980 SH   SOLE   0 0 9,980
ISHARES TR RUS 1000 ETF 464287622   1,294,927 4,938 SH   SOLE   0 0 4,938
ISHARES TR RUS 1000 GRW ETF 464287614   674,201 2,224 SH   SOLE   0 0 2,224
ISHARES TR RUSSELL 2000 ETF 464287655   1,018,914 5,077 SH   SOLE   0 0 5,077
ISHARES TR RUSSELL 3000 ETF 464287689   552,569 2,019 SH   SOLE   0 0 2,019
MICROSOFT CORP COM 594918104   1,099,074 2,923 SH   SOLE   0 0 2,923
NEWELL BRANDS INC COM 651229106   350,108 40,335 SH   SOLE   0 0 40,335
NUVEEN MUN VALUE FD INC COM 670928100   135,452 15,750 SH   SOLE   0 0 15,750
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101   114,520 12,984 SH   SOLE   0 0 12,984
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   281,926 19,075 SH   SOLE   0 0 19,075
PFIZER INC COM 717081103   426,872 14,827 SH   SOLE   0 0 14,827
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,966,398 160,000 SH   SOLE   0 0 160,000
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,421,805 254,919 SH   SOLE   0 0 254,919
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   309,358 6,385 SH   SOLE   0 0 6,385
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,889,118 40,522 SH   SOLE   0 0 40,522
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   438,502 7,877 SH   SOLE   0 0 7,877
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   8,142,420 108,104 SH   SOLE   0 0 108,104
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   7,470,588 158,141 SH   SOLE   0 0 158,141
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,118,859 8,666 SH   SOLE   0 0 8,666
SPDR SER TR NUVEEN BLMBRG SH 78468R739   354,658 7,421 SH   SOLE   0 0 7,421
SPDR SER TR PORTFOLI S&P1500 78464A805   342,621 5,862 SH   SOLE   0 0 5,862
SPDR SER TR PORTFOLIO S&P600 78468R853   907,287 21,510 SH   SOLE   0 0 21,510
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,507,145 38,536 SH   SOLE   0 0 38,536
TANGER INC COM 875465106   2,268,633 81,841 SH   SOLE   0 0 81,841
TEMPLETON GLOBAL INCOME FD COM 880198106   59,775 15,772 SH   SOLE   0 0 15,772
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   503,880 3,000 SH   SOLE   0 0 3,000
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   7,772,063 105,670 SH   SOLE   0 0 105,670
VANGUARD INDEX FDS GROWTH ETF 922908736   4,088,294 13,151 SH   SOLE   0 0 13,151
VANGUARD INDEX FDS MID CAP ETF 922908629   1,915,851 8,235 SH   SOLE   0 0 8,235
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,202,152 2,752 SH   SOLE   0 0 2,752
VANGUARD INDEX FDS SM CP VAL ETF 922908611   540,471 3,003 SH   SOLE   0 0 3,003
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,130,080 5,297 SH   SOLE   0 0 5,297
VANGUARD INDEX FDS SML CP GRW ETF 922908595   265,104 1,097 SH   SOLE   0 0 1,097
VANGUARD INDEX FDS VALUE ETF 922908744   8,229,838 55,049 SH   SOLE   0 0 55,049
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,854,202 33,028 SH   SOLE   0 0 33,028
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   485,734 11,818 SH   SOLE   0 0 11,818
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,135,021 27,595 SH   SOLE   0 0 27,595
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   386,866 2,270 SH   SOLE   0 0 2,270
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,435,285 50,841 SH   SOLE   0 0 50,841
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,231,783 11,035 SH   SOLE   0 0 11,035
WESTERN DIGITAL CORP. NOTE 1.500% 2/0 958102AP0   14,921 15,000 SH   SOLE   0 0 15,000
WISDOMTREE TR EM EX ST-OWNED 97717X578   210,905 7,303 SH   SOLE   0 0 7,303