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
Estimated average burden
hours per response: 23.8
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   299,073 3,088 SH   SOLE 0 0 0 3,088
ABBVIE INC COM 00287Y109   325,249 2,182 SH   SOLE 0 0 0 2,182
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   562,011 1,830 SH   SOLE 0 0 0 1,830
ADOBE INC COM 00724F101   2,155,857 4,228 SH   SOLE 0 0 0 4,228
AIRBNB INC COM CL A 009066101   374,446 2,729 SH   SOLE 0 0 0 2,729
ALCON AG ORD SHS H01301128   257,149 3,337 SH   SOLE 0 0 0 3,337
ALPHABET INC CAP STK CL C 02079K107   836,456 6,344 SH   SOLE 0 0 0 6,344
AMAZON COM INC COM 023135106   1,485,016 11,682 SH   SOLE 0 0 0 11,682
APPLE INC COM 037833100   304,925 1,781 SH   SOLE 0 0 0 1,781
ASML HOLDING N V N Y REGISTRY SHS N07059210   265,486 451 SH   SOLE 0 0 0 451
AT&T INC COM 00206R102   201,403 13,409 SH   SOLE 0 0 0 13,409
AUTODESK INC COM 052769106   366,231 1,770 SH   SOLE 0 0 0 1,770
BANK AMERICA CORP COM 060505104   266,544 9,735 SH   SOLE 0 0 0 9,735
CANADIAN PACIFIC KANSAS CITY COM 13646K108   231,564 3,112 SH   SOLE 0 0 0 3,112
CHEVRON CORP NEW COM 166764100   256,134 1,519 SH   SOLE 0 0 0 1,519
CISCO SYS INC COM 17275R102   572,060 10,641 SH   SOLE 0 0 0 10,641
CLOUDFLARE INC CL A COM 18915M107   921,834 14,623 SH   SOLE 0 0 0 14,623
COCA COLA CO COM 191216100   397,122 7,094 SH   SOLE 0 0 0 7,094
COMCAST CORP NEW CL A 20030N101   352,148 7,942 SH   SOLE 0 0 0 7,942
CONOCOPHILLIPS COM 20825C104   211,327 1,764 SH   SOLE 0 0 0 1,764
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   1,934,630 85,039 SH   SOLE 0 0 0 84,667
GERON CORP COM 374163103   21,200 10,000 SH   SOLE 0 0 0 10,000
HALEON PLC SPON ADS 405552100   161,877 19,433 SH   SOLE 0 0 0 19,433
INTERNATIONAL BUSINESS MACHS COM 459200101   273,585 1,950 SH   SOLE 0 0 0 1,950
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   867,491 46,303 SH   SOLE 0 0 0 45,807
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   6,900,529 325,037 SH   SOLE 0 0 0 325,037
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   1,832,304 88,646 SH   SOLE 0 0 0 88,646
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858   3,588,579 152,673 SH   SOLE 0 0 0 152,673
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   1,814,756 90,241 SH   SOLE 0 0 0 89,307
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   1,195,480 63,639 SH   SOLE 0 0 0 62,643
ISHARES INC CORE MSCI EMKT 46434G103   413,231 8,683 SH   SOLE 0 0 0 8,578
ISHARES TR CORE MSCI EAFE 46432F842   323,487 5,027 SH   SOLE 0 0 0 3,435
ISHARES TR MSCI EAFE MIN VL 46429B689   574,461 8,808 SH   SOLE 0 0 0 8,808
ISHARES TR IBONDS DEC23 ETF 46434VAX8   543,084 21,415 SH   SOLE 0 0 0 21,415
ISHARES TR IBONDS DEC24 ETF 46434VBG4   538,248 21,765 SH   SOLE 0 0 0 21,765
ISHARES TR 0-5YR HI YL CP 46434V407   5,928,352 144,488 SH   SOLE 0 0 0 143,925
ISHARES TR CORE INTL AGGR 46435G672   1,913,422 39,226 SH   SOLE 0 0 0 39,116
ISHARES TR ESG AWR US AGRGT 46435U549   380,339 8,396 SH   SOLE 0 0 0 8,396
ISHARES TR USD GRN BOND ETF 46435U440   865,142 19,170 SH   SOLE 0 0 0 19,170
ISHARES TR U.S. TECH ETF 464287721   235,124 2,241 SH   SOLE 0 0 0 2,241
ISHARES TR MSCI EAFE ETF 464287465   375,136 5,443 SH   SOLE 0 0 0 5,443
ISHARES TR RUS 2000 GRW ETF 464287648   272,161 1,214 SH   SOLE 0 0 0 1,214
ISHARES TR CORE S&P MCP ETF 464287507   205,815 825 SH   SOLE 0 0 0 825
ISHARES TR CORE S&P SCP ETF 464287804   564,650 5,986 SH   SOLE 0 0 0 5,973
ISHARES TR RUS 1000 ETF 464287622   1,555,167 6,620 SH   SOLE 0 0 0 6,620
ISHARES TR RUS 1000 GRW ETF 464287614   635,450 2,389 SH   SOLE 0 0 0 2,389
ISHARES TR MORNINGSTAR GRWT 464287119   512,184 8,586 SH   SOLE 0 0 0 8,586
ISHARES TR CORE US AGGBD ET 464287226   6,208,237 66,017 SH   SOLE 0 0 0 65,335
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,002,295 19,974 SH   SOLE 0 0 0 19,974
JPMORGAN CHASE & CO COM 46625H100   251,030 1,731 SH   SOLE 0 0 0 1,731
KAYNE ANDERSON ENERGY INFRST COM 486606106   93,351 11,100 SH   SOLE 0 0 0 11,100
LINDE PLC SHS G54950103   209,633 563 SH   SOLE 0 0 0 563
MASTERCARD INCORPORATED CL A 57636Q104   490,928 1,240 SH   SOLE 0 0 0 1,240
MCDONALDS CORP COM 580135101   275,295 1,045 SH   SOLE 0 0 0 1,045
MEDTRONIC PLC SHS G5960L103   481,992 6,151 SH   SOLE 0 0 0 6,151
MERCK & CO INC COM 58933Y105   359,296 3,490 SH   SOLE 0 0 0 3,490
MICROSOFT CORP COM 594918104   1,254,159 3,972 SH   SOLE 0 0 0 3,972
NETFLIX INC COM 64110L106   633,235 1,677 SH   SOLE 0 0 0 1,677
NOVO-NORDISK A S ADR 670100205   612,936 6,740 SH   SOLE 0 0 0 6,740
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   294,823 8,467 SH   SOLE 0 0 0 8,467
NUSHARES ETF TR ESG HI TLD CRP 67092P854   394,769 19,650 SH   SOLE 0 0 0 19,650
PAYPAL HLDGS INC COM 70450Y103   336,554 5,757 SH   SOLE 0 0 0 5,757
PFIZER INC COM 717081103   319,062 9,619 SH   SOLE 0 0 0 9,619
PHILIP MORRIS INTL INC COM 718172109   347,638 3,755 SH   SOLE 0 0 0 3,755
PROCTER AND GAMBLE CO COM 742718109   358,378 2,457 SH   SOLE 0 0 0 2,457
QUALCOMM INC COM 747525103   328,515 2,958 SH   SOLE 0 0 0 2,958
READY CAPITAL CORP COM 75574U101   148,280 14,667 SH   SOLE 0 0 0 14,667
SALESFORCE INC COM 79466L302   407,993 2,012 SH   SOLE 0 0 0 2,012
SAP SE SPON ADR 803054204   266,787 2,063 SH   SOLE 0 0 0 2,063
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   5,895,956 5,895,956 SH   SOLE 0 0 0 5,895,956
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   10,023,874 295,167 SH   SOLE 0 0 0 293,756
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,318,110 45,629 SH   SOLE 0 0 0 45,394
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   515,150 7,992 SH   SOLE 0 0 0 7,992
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   590,595 18,313 SH   SOLE 0 0 0 18,250
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   499,720 20,874 SH   SOLE 0 0 0 20,874
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,102,542 45,841 SH   SOLE 0 0 0 45,433
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,370,835 53,602 SH   SOLE 0 0 0 53,602
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   8,768,663 123,921 SH   SOLE 0 0 0 121,543
SELECT SECTOR SPDR TR ENERGY 81369Y506   248,573 2,750 SH   SOLE 0 0 0 2,750
SERVICENOW INC COM 81762P102   543,309 972 SH   SOLE 0 0 0 972
SHELL PLC SPON ADS 780259305   230,094 3,574 SH   SOLE 0 0 0 3,574
SONY GROUP CORP SPONSORED ADR 835699307   343,402 4,167 SH   SOLE 0 0 0 4,167
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,290,504 68,230 SH   SOLE 0 0 0 67,183
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,103,026 67,818 SH   SOLE 0 0 0 67,818
SPDR S&P 500 ETF TR TR UNIT 78462F103   375,773 879 SH   SOLE 0 0 0 879
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   638,844 1,399 SH   SOLE 0 0 0 1,399
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,313,860 31,972 SH   SOLE 0 0 0 31,603
SPDR SER TR S&P 600 SMCP GRW 78464A201   3,526,851 48,135 SH   SOLE 0 0 0 47,805
SPDR SER TR BLOOMBERG HIGH Y 78468R622   394,324 4,362 SH   SOLE 0 0 0 4,361
TERRAN ORBITAL CORPORATION COM 88105P103   4,771,306 5,731,987 SH   SOLE 0 0 0 5,731,987
THERMO FISHER SCIENTIFIC INC COM 883556102   262,196 518 SH   SOLE 0 0 0 518
UNITEDHEALTH GROUP INC COM 91324P102   361,000 716 SH   SOLE 0 0 0 716
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   560,734 5,946 SH   SOLE 0 0 0 5,919
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,387,630 19,190 SH   SOLE 0 0 0 19,190
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   358,739 5,141 SH   SOLE 0 0 0 5,016
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   10,287,186 215,078 SH   SOLE 0 0 0 214,201
VANGUARD INDEX FDS VALUE ETF 922908744   1,976,484 14,330 SH   SOLE 0 0 0 14,243
VANGUARD INDEX FDS MID CAP ETF 922908629   673,397 3,234 SH   SOLE 0 0 0 3,215
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,991,071 12,484 SH   SOLE 0 0 0 12,484
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   930,471 12,298 SH   SOLE 0 0 0 12,298
VANGUARD INDEX FDS TOTAL STK MKT 922908769   413,398 1,946 SH   SOLE 0 0 0 1,946
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   283,520 7,231 SH   SOLE 0 0 0 7,231
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   479,703 9,248 SH   SOLE 0 0 0 9,227
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,187,311 20,596 SH   SOLE 0 0 0 20,467
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   450,664 9,369 SH   SOLE 0 0 0 9,369
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   11,644,447 170,141 SH   SOLE 0 0 0 167,587
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   516,281 11,809 SH   SOLE 0 0 0 11,259
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,617,772 25,337 SH   SOLE 0 0 0 25,337
VANGUARD WORLD FD ESG US STK ETF 921910733   213,775 2,842 SH   SOLE 0 0 0 2,842
VERIZON COMMUNICATIONS INC COM 92343V104   301,186 9,293 SH   SOLE 0 0 0 9,293
VISA INC COM CL A 92826C839   440,239 1,914 SH   SOLE 0 0 0 1,914
WEC ENERGY GROUP INC COM 92939U106   253,571 3,148 SH   SOLE 0 0 0 3,148
WELLS FARGO CO NEW COM 949746101   463,802 11,351 SH   SOLE 0 0 0 11,351
ZOETIS INC CL A 98978V103   239,223 1,375 SH   SOLE 0 0 0 1,375