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
ABBOTT LABS COM 002824100   308,416 2,802 SH   SOLE 0 0 0 2,802
ABBVIE INC COM 00287Y109   229,666 1,482 SH   SOLE 0 0 0 1,482
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   590,932 1,684 SH   SOLE 0 0 0 1,684
ADOBE INC COM 00724F101   2,468,134 4,137 SH   SOLE 0 0 0 4,137
AIRBNB INC COM CL A 009066101   331,501 2,435 SH   SOLE 0 0 0 2,435
ALCON AG ORD SHS H01301128   283,419 3,628 SH   SOLE 0 0 0 3,628
ALPHABET INC CAP STK CL C 02079K107   883,349 6,268 SH   SOLE 0 0 0 6,268
ALPHABET INC CAP STK CL A 02079K305   213,586 1,529 SH   SOLE 0 0 0 1,529
AMAZON COM INC COM 023135106   1,822,672 11,996 SH   SOLE 0 0 0 11,996
APPLE INC COM 037833100   582,018 3,023 SH   SOLE 0 0 0 3,023
APPLIED MATLS INC COM 038222105   210,367 1,298 SH   SOLE 0 0 0 1,298
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101   236,413 1,988 SH   SOLE 0 0 0 1,988
ASML HOLDING N V N Y REGISTRY SHS N07059210   312,608 413 SH   SOLE 0 0 0 413
ASTRAZENECA PLC SPONSORED ADR 046353108   203,666 3,024 SH   SOLE 0 0 0 3,024
AUTODESK INC COM 052769106   483,064 1,984 SH   SOLE 0 0 0 1,984
AUTOMATIC DATA PROCESSING IN COM 053015103   206,877 888 SH   SOLE 0 0 0 888
BANK AMERICA CORP COM 060505104   329,158 9,776 SH   SOLE 0 0 0 9,776
CANADIAN PACIFIC KANSAS CITY COM 13646K108   220,815 2,793 SH   SOLE 0 0 0 2,793
CAPITAL ONE FINL CORP COM 14040H105   239,818 1,829 SH   SOLE 0 0 0 1,829
CISCO SYS INC COM 17275R102   375,162 7,426 SH   SOLE 0 0 0 7,426
CITIGROUP INC COM NEW 172967424   211,676 4,115 SH   SOLE 0 0 0 4,115
CLOUDFLARE INC CL A COM 18915M107   1,201,442 14,430 SH   SOLE 0 0 0 14,430
COCA COLA CO COM 191216100   267,778 4,544 SH   SOLE 0 0 0 4,544
COMCAST CORP NEW CL A 20030N101   277,439 6,327 SH   SOLE 0 0 0 6,327
DISNEY WALT CO COM 254687106   209,563 2,321 SH   SOLE 0 0 0 2,321
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   2,455,603 92,143 SH   SOLE 0 0 0 91,770
GARTNER INC COM 366651107   215,179 477 SH   SOLE 0 0 0 477
GERON CORP COM 374163103   21,100 10,000 SH   SOLE 0 0 0 10,000
GILEAD SCIENCES INC COM 375558103   212,651 2,625 SH   SOLE 0 0 0 2,625
HALEON PLC SPON ADS 405552100   171,661 20,858 SH   SOLE 0 0 0 20,858
INTERNATIONAL BUSINESS MACHS COM 459200101   223,573 1,367 SH   SOLE 0 0 0 1,367
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   8,435,032 403,880 SH   SOLE 0 0 0 402,971
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   2,474,341 120,965 SH   SOLE 0 0 0 120,022
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   1,812,842 93,930 SH   SOLE 0 0 0 92,924
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   3,135,219 138,024 SH   SOLE 0 0 0 137,938
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   943,631 46,530 SH   SOLE 0 0 0 46,530
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   1,406,524 72,296 SH   SOLE 0 0 0 71,795
ISHARES INC CORE MSCI EMKT 46434G103   475,766 9,406 SH   SOLE 0 0 0 9,301
ISHARES TR CORE MSCI EAFE 46432F842   336,484 4,783 SH   SOLE 0 0 0 3,435
ISHARES TR MSCI EAFE MIN VL 46429B689   575,415 8,298 SH   SOLE 0 0 0 8,298
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,360,046 54,598 SH   SOLE 0 0 0 54,598
ISHARES TR ESG AWR US AGRGT 46435U549   404,549 8,474 SH   SOLE 0 0 0 8,474
ISHARES TR USD GRN BOND ETF 46435U440   904,927 19,160 SH   SOLE 0 0 0 19,160
ISHARES TR IBONDS 24 TRM HG 46435U184   400,349 17,249 SH   SOLE 0 0 0 17,249
ISHARES TR 0-5YR HI YL CP 46434V407   6,241,365 147,830 SH   SOLE 0 0 0 147,278
ISHARES TR CORE INTL AGGR 46435G672   2,075,989 41,687 SH   SOLE 0 0 0 41,577
ISHARES TR U.S. TECH ETF 464287721   275,467 2,244 SH   SOLE 0 0 0 2,244
ISHARES TR RUS 2000 GRW ETF 464287648   297,648 1,180 SH   SOLE 0 0 0 1,180
ISHARES TR MSCI EAFE ETF 464287465   416,213 5,524 SH   SOLE 0 0 0 5,524
ISHARES TR CORE S&P MCP ETF 464287507   228,223 823 SH   SOLE 0 0 0 823
ISHARES TR CORE S&P SCP ETF 464287804   647,109 5,978 SH   SOLE 0 0 0 5,965
ISHARES TR RUS 1000 ETF 464287622   1,739,253 6,632 SH   SOLE 0 0 0 6,632
ISHARES TR RUS 1000 GRW ETF 464287614   660,911 2,180 SH   SOLE 0 0 0 2,180
ISHARES TR RUSSELL 3000 ETF 464287689   209,411 765 SH   SOLE 0 0 0 765
ISHARES TR CORE US AGGBD ET 464287226   7,813,559 78,726 SH   SOLE 0 0 0 78,139
ISHARES TR MORNINGSTAR GRWT 464287119   582,359 8,587 SH   SOLE 0 0 0 8,587
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   571,467 11,377 SH   SOLE 0 0 0 11,377
JPMORGAN CHASE & CO COM 46625H100   213,305 1,254 SH   SOLE 0 0 0 1,254
KAYNE ANDERSON ENERGY INFRST COM 486606106   97,458 11,100 SH   SOLE 0 0 0 11,100
LINDE PLC SHS G54950103   212,337 517 SH   SOLE 0 0 0 517
MASTERCARD INCORPORATED CL A 57636Q104   453,807 1,064 SH   SOLE 0 0 0 1,064
MCDONALDS CORP COM 580135101   278,126 938 SH   SOLE 0 0 0 938
MEDTRONIC PLC SHS G5960L103   392,046 4,759 SH   SOLE 0 0 0 4,759
MERCK & CO INC COM 58933Y105   363,364 3,333 SH   SOLE 0 0 0 3,333
META PLATFORMS INC CL A 30303M102   394,311 1,114 SH   SOLE 0 0 0 1,114
MICROSOFT CORP COM 594918104   1,826,050 4,856 SH   SOLE 0 0 0 4,856
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   88,106 10,233 SH   SOLE 0 0 0 10,233
NETFLIX INC COM 64110L106   595,454 1,223 SH   SOLE 0 0 0 1,223
NOVO-NORDISK A S ADR 670100205   693,632 6,705 SH   SOLE 0 0 0 6,705
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   327,551 8,377 SH   SOLE 0 0 0 8,377
NUSHARES ETF TR ESG HI TLD CRP 67092P854   409,922 19,483 SH   SOLE 0 0 0 19,483
NUVEEN PFD & INCOME OPPORTUN COM 67073B106   73,278 10,840 SH   SOLE 0 0 0 10,840
NVIDIA CORPORATION COM 67066G104   217,402 439 SH   SOLE 0 0 0 439
PAYPAL HLDGS INC COM 70450Y103   272,169 4,432 SH   SOLE 0 0 0 4,432
PHILIP MORRIS INTL INC COM 718172109   215,820 2,294 SH   SOLE 0 0 0 2,294
PROCTER AND GAMBLE CO COM 742718109   243,549 1,662 SH   SOLE 0 0 0 1,662
QUALCOMM INC COM 747525103   535,999 3,706 SH   SOLE 0 0 0 3,706
READY CAPITAL CORP COM 75574U101   153,099 14,936 SH   SOLE 0 0 0 14,936
REPUBLIC SVCS INC COM 760759100   216,692 1,314 SH   SOLE 0 0 0 1,314
SALESFORCE INC COM 79466L302   570,488 2,168 SH   SOLE 0 0 0 2,168
SAP SE SPON ADR 803054204   286,455 1,853 SH   SOLE 0 0 0 1,853
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   13,741 13,741 SH   SOLE 0 0 0 13,741
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   11,137,550 301,341 SH   SOLE 0 0 0 299,919
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,644,416 43,930 SH   SOLE 0 0 0 43,697
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   495,242 7,065 SH   SOLE 0 0 0 7,065
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   631,753 18,107 SH   SOLE 0 0 0 18,047
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   509,108 20,537 SH   SOLE 0 0 0 20,537
SCHWAB STRATEGIC TR US REIT ETF 808524847   200,070 9,661 SH   SOLE 0 0 0 9,661
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,482,421 46,235 SH   SOLE 0 0 0 45,834
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,581,560 55,375 SH   SOLE 0 0 0 55,375
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   9,964,021 130,882 SH   SOLE 0 0 0 128,579
SELECT SECTOR SPDR TR ENERGY 81369Y506   230,560 2,750 SH   SOLE 0 0 0 2,750
SERVICENOW INC COM 81762P102   621,711 880 SH   SOLE 0 0 0 880
SONY GROUP CORP SPONSORED ADR 835699307   366,356 3,869 SH   SOLE 0 0 0 3,869
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,550,036 74,979 SH   SOLE 0 0 0 74,979
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,544,168 71,849 SH   SOLE 0 0 0 70,815
SPDR S&P 500 ETF TR TR UNIT 78462F103   418,472 880 SH   SOLE 0 0 0 880
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   708,032 1,395 SH   SOLE 0 0 0 1,395
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,888,561 34,673 SH   SOLE 0 0 0 34,310
SPDR SER TR S&P 600 SMCP GRW 78464A201   4,227,369 50,548 SH   SOLE 0 0 0 50,226
SPDR SER TR BLOOMBERG HIGH Y 78468R622   505,006 5,331 SH   SOLE 0 0 0 5,330
TELEDYNE TECHNOLOGIES INC COM 879360105   211,988 475 SH   SOLE 0 0 0 475
TERRAN ORBITAL CORPORATION COM 88105P103   6,534,465 5,731,987 SH   SOLE 0 0 0 5,731,987
THERMO FISHER SCIENTIFIC INC COM 883556102   235,140 443 SH   SOLE 0 0 0 443
UNITEDHEALTH GROUP INC COM 91324P102   351,682 668 SH   SOLE 0 0 0 668
US BANCORP DEL COM NEW 902973304   202,680 4,683 SH   SOLE 0 0 0 4,683
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   639,192 5,940 SH   SOLE 0 0 0 5,913
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,534,021 20,084 SH   SOLE 0 0 0 20,084
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   502,494 6,832 SH   SOLE 0 0 0 6,563
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   11,433,407 231,610 SH   SOLE 0 0 0 230,723
VANGUARD INDEX FDS TOTAL STK MKT 922908769   455,016 1,918 SH   SOLE 0 0 0 1,918
VANGUARD INDEX FDS VALUE ETF 922908744   2,213,050 14,803 SH   SOLE 0 0 0 14,693
VANGUARD INDEX FDS MID CAP ETF 922908629   790,235 3,397 SH   SOLE 0 0 0 3,378
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,221,689 12,345 SH   SOLE 0 0 0 12,345
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,047,675 11,857 SH   SOLE 0 0 0 11,857
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   516,307 9,197 SH   SOLE 0 0 0 9,176
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   295,595 7,192 SH   SOLE 0 0 0 7,192
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,518,629 21,895 SH   SOLE 0 0 0 21,771
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   13,048,705 167,249 SH   SOLE 0 0 0 164,906
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   532,312 11,113 SH   SOLE 0 0 0 10,316
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,966,225 26,572 SH   SOLE 0 0 0 26,572
VANGUARD WORLD FD ESG US STK ETF 921910733   221,071 2,599 SH   SOLE 0 0 0 2,599
VERIZON COMMUNICATIONS INC COM 92343V104   356,717 9,462 SH   SOLE 0 0 0 9,462
VISA INC COM CL A 92826C839   590,995 2,270 SH   SOLE 0 0 0 2,270
WATSCO INC COM 942622200   210,807 492 SH   SOLE 0 0 0 492
WEC ENERGY GROUP INC COM 92939U106   281,212 3,341 SH   SOLE 0 0 0 3,341
WELLS FARGO CO NEW COM 949746101   436,335 8,865 SH   SOLE 0 0 0 8,865
WISDOMTREE TR US TOTAL DIVIDND 97717W109   206,215 3,154 SH   SOLE 0 0 0 3,154
WORKDAY INC CL A 98138H101   238,792 865 SH   SOLE 0 0 0 865
ZOETIS INC CL A 98978V103   239,410 1,213 SH   SOLE 0 0 0 1,213