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
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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   362,689 3,191 SH   SOLE 0 0 0 3,191
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   534,819 1,543 SH   SOLE 0 0 0 1,543
ADOBE INC COM 00724F101   1,906,379 3,778 SH   SOLE 0 0 0 3,778
AIRBNB INC COM CL A 009066101   367,036 2,225 SH   SOLE 0 0 0 2,225
ALCON AG ORD SHS H01301128   287,184 3,448 SH   SOLE 0 0 0 3,448
ALPHABET INC CAP STK CL C 02079K107   923,609 6,066 SH   SOLE 0 0 0 6,066
ALPHABET INC CAP STK CL A 02079K305   338,385 2,242 SH   SOLE 0 0 0 2,242
AMAZON COM INC COM 023135106   2,095,835 11,619 SH   SOLE 0 0 0 11,619
APPLE INC COM 037833100   533,303 3,110 SH   SOLE 0 0 0 3,110
APPLIED MATLS INC COM 038222105   268,305 1,301 SH   SOLE 0 0 0 1,301
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101   222,343 1,672 SH   SOLE 0 0 0 1,672
ASML HOLDING N V N Y REGISTRY SHS N07059210   378,483 390 SH   SOLE 0 0 0 390
ASTRAZENECA PLC SPONSORED ADR 046353108   205,757 3,037 SH   SOLE 0 0 0 3,037
AUTODESK INC COM 052769106   550,267 2,113 SH   SOLE 0 0 0 2,113
AUTOMATIC DATA PROCESSING IN COM 053015103   239,501 959 SH   SOLE 0 0 0 959
BANK AMERICA CORP COM 060505104   299,303 7,893 SH   SOLE 0 0 0 7,893
BOEING CO COM 097023105   251,659 1,304 SH   SOLE 0 0 0 1,304
CANADIAN PACIFIC KANSAS CITY COM 13646K108   264,422 2,999 SH   SOLE 0 0 0 2,999
CAPITAL ONE FINL CORP COM 14040H105   277,382 1,863 SH   SOLE 0 0 0 1,863
CITIGROUP INC COM NEW 172967424   258,209 4,083 SH   SOLE 0 0 0 4,083
CLOUDFLARE INC CL A COM 18915M107   1,397,547 14,433 SH   SOLE 0 0 0 14,433
CRH PLC ORD G25508105   205,816 2,386 SH   SOLE 0 0 0 2,386
DISNEY WALT CO COM 254687106   330,617 2,702 SH   SOLE 0 0 0 2,702
EXXON MOBIL CORP COM 30231G102   228,760 1,968 SH   SOLE 0 0 0 1,968
FACTSET RESH SYS INC COM 303075105   231,285 509 SH   SOLE 0 0 0 509
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   2,483,409 95,186 SH   SOLE 0 0 0 94,812
FREEPORT-MCMORAN INC CL B 35671D857   241,166 5,129 SH   SOLE 0 0 0 5,129
GARTNER INC COM 366651107   202,108 424 SH   SOLE 0 0 0 424
GENERAL ELECTRIC CO COM NEW 369604301   223,625 1,274 SH   SOLE 0 0 0 1,274
GERON CORP COM 374163103   33,000 10,000 SH   SOLE 0 0 0 10,000
HALEON PLC SPON ADS 405552100   223,915 26,374 SH   SOLE 0 0 0 26,374
HOME DEPOT INC COM 437076102   222,872 581 SH   SOLE 0 0 0 581
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   1,115,896 55,600 SH   SOLE 0 0 0 55,600
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   6,070,677 289,493 SH   SOLE 0 0 0 289,038
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   2,757,947 134,995 SH   SOLE 0 0 0 134,129
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   1,966,163 102,351 SH   SOLE 0 0 0 101,336
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   1,981,112 87,158 SH   SOLE 0 0 0 87,071
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   1,467,855 76,094 SH   SOLE 0 0 0 75,588
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   201,478 8,779 SH   SOLE 0 0 0 8,779
ISHARES INC CORE MSCI EMKT 46434G103   484,122 9,382 SH   SOLE 0 0 0 9,277
ISHARES TR CORE MSCI EAFE 46432F842   343,119 4,623 SH   SOLE 0 0 0 3,278
ISHARES TR MSCI EAFE MIN VL 46429B689   566,293 7,989 SH   SOLE 0 0 0 7,989
ISHARES TR 0-5YR HI YL CP 46434V407   6,435,885 151,255 SH   SOLE 0 0 0 150,688
ISHARES TR IBONDS DEC2026 46435GAA0   238,071 9,982 SH   SOLE 0 0 0 9,982
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,279,386 51,073 SH   SOLE 0 0 0 51,073
ISHARES TR CORE INTL AGGR 46435G672   2,093,242 41,907 SH   SOLE 0 0 0 41,797
ISHARES TR ESG AWR US AGRGT 46435U549   400,810 8,517 SH   SOLE 0 0 0 8,517
ISHARES TR USD GRN BOND ETF 46435U440   896,443 19,118 SH   SOLE 0 0 0 19,118
ISHARES TR IBONDS 24 TRM HG 46435U184   478,354 20,517 SH   SOLE 0 0 0 20,517
ISHARES TR CORE US AGGBD ET 464287226   8,153,234 83,247 SH   SOLE 0 0 0 82,639
ISHARES TR MORNINGSTAR GRWT 464287119   659,426 8,736 SH   SOLE 0 0 0 8,736
ISHARES TR U.S. TECH ETF 464287721   303,268 2,245 SH   SOLE 0 0 0 2,245
ISHARES TR MSCI EAFE ETF 464287465   413,893 5,183 SH   SOLE 0 0 0 5,183
ISHARES TR RUS 2000 GRW ETF 464287648   274,132 1,012 SH   SOLE 0 0 0 1,012
ISHARES TR CORE S&P MCP ETF 464287507   236,615 3,896 SH   SOLE 0 0 0 3,896
ISHARES TR CORE S&P SCP ETF 464287804   653,971 5,917 SH   SOLE 0 0 0 5,904
ISHARES TR RUS 1000 ETF 464287622   1,868,565 6,487 SH   SOLE 0 0 0 6,487
ISHARES TR RUS 1000 GRW ETF 464287614   669,044 1,985 SH   SOLE 0 0 0 1,985
KAYNE ANDERSON ENERGY INFRST COM 486606106   111,111 11,100 SH   SOLE 0 0 0 11,100
LINDE PLC SHS G54950103   208,944 450 SH   SOLE 0 0 0 450
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   90,764 35,044 SH   SOLE 0 0 0 35,044
LOWES COS INC COM 548661107   272,052 1,068 SH   SOLE 0 0 0 1,068
MASTERCARD INCORPORATED CL A 57636Q104   461,826 959 SH   SOLE 0 0 0 959
MCDONALDS CORP COM 580135101   204,978 727 SH   SOLE 0 0 0 727
MEDTRONIC PLC SHS G5960L103   268,161 3,077 SH   SOLE 0 0 0 3,077
MERCK & CO INC COM 58933Y105   349,668 2,650 SH   SOLE 0 0 0 2,650
META PLATFORMS INC CL A 30303M102   649,220 1,337 SH   SOLE 0 0 0 1,337
MICRON TECHNOLOGY INC COM 595112103   259,594 2,202 SH   SOLE 0 0 0 2,202
MICROSOFT CORP COM 594918104   2,001,786 4,758 SH   SOLE 0 0 0 4,758
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   107,528 10,511 SH   SOLE 0 0 0 10,511
NETFLIX INC COM 64110L106   781,634 1,287 SH   SOLE 0 0 0 1,287
NOVO-NORDISK A S ADR 670100205   822,530 6,406 SH   SOLE 0 0 0 6,406
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   348,410 8,377 SH   SOLE 0 0 0 8,377
NUSHARES ETF TR ESG HI TLD CRP 67092P854   408,056 19,319 SH   SOLE 0 0 0 19,319
NUVEEN PFD & INCOME OPPORTUN COM 67073B106   77,940 10,840 SH   SOLE 0 0 0 10,840
NVIDIA CORPORATION COM 67066G104   460,816 510 SH   SOLE 0 0 0 510
ONEOK INC NEW COM 682680103   214,134 2,671 SH   SOLE 0 0 0 2,671
ORACLE CORP COM 68389X105   218,436 1,739 SH   SOLE 0 0 0 1,739
PARKER-HANNIFIN CORP COM 701094104   219,537 395 SH   SOLE 0 0 0 395
QUALCOMM INC COM 747525103   969,581 5,727 SH   SOLE 0 0 0 5,727
READY CAPITAL CORP COM 75574U101   138,678 15,189 SH   SOLE 0 0 0 15,189
REPUBLIC SVCS INC COM 760759100   260,741 1,362 SH   SOLE 0 0 0 1,362
SALESFORCE INC COM 79466L302   664,704 2,207 SH   SOLE 0 0 0 2,207
SAP SE SPON ADR 803054204   327,650 1,680 SH   SOLE 0 0 0 1,680
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   5,631,659 5,631,659 SH   SOLE 0 0 0 5,631,659
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,712,347 45,590 SH   SOLE 0 0 0 45,188
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,532,306 55,050 SH   SOLE 0 0 0 55,050
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   10,716,685 132,911 SH   SOLE 0 0 0 130,628
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   11,782,820 301,969 SH   SOLE 0 0 0 300,547
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,723,675 40,160 SH   SOLE 0 0 0 39,997
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   459,943 6,053 SH   SOLE 0 0 0 6,053
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   649,519 10,730 SH   SOLE 0 0 0 18,083
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   491,167 19,452 SH   SOLE 0 0 0 19,452
SELECT SECTOR SPDR TR ENERGY 81369Y506   259,628 2,750 SH   SOLE 0 0 0 2,750
SERVICENOW INC COM 81762P102   453,628 595 SH   SOLE 0 0 0 595
SONY GROUP CORP SPONSORED ADR 835699307   318,353 3,713 SH   SOLE 0 0 0 3,713
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,633,678 72,774 SH   SOLE 0 0 0 71,678
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,629,832 73,377 SH   SOLE 0 0 0 73,377
SPDR S&P 500 ETF TR TR UNIT 78462F103   461,275 882 SH   SOLE 0 0 0 882
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   770,062 1,384 SH   SOLE 0 0 0 1,384
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,930,730 35,323 SH   SOLE 0 0 0 34,960
SPDR SER TR S&P 600 SMCP GRW 78464A201   4,425,935 50,739 SH   SOLE 0 0 0 50,415
SPDR SER TR BLOOMBERG HIGH Y 78468R622   502,370 5,277 SH   SOLE 0 0 0 5,276
TELEDYNE TECHNOLOGIES INC COM 879360105   261,027 608 SH   SOLE 0 0 0 608
TERRAN ORBITAL CORPORATION COM 88105P103   7,508,903 5,731,987 SH   SOLE 0 0 0 5,731,987
TESLA INC COM 88160R101   260,872 1,484 SH   SOLE 0 0 0 1,484
THERMO FISHER SCIENTIFIC INC COM 883556102   477,755 822 SH   SOLE 0 0 0 822
TOTALENERGIES SE SPONSORED ADS 89151E109   252,124 3,663 SH   SOLE 0 0 0 3,663
UBER TECHNOLOGIES INC COM 90353T100   235,666 3,061 SH   SOLE 0 0 0 3,061
UNITEDHEALTH GROUP INC COM 91324P102   275,053 556 SH   SOLE 0 0 0 556
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   668,832 5,949 SH   SOLE 0 0 0 5,922
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,536,562 20,379 SH   SOLE 0 0 0 20,379
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   478,559 6,589 SH   SOLE 0 0 0 6,319
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   11,748,822 238,846 SH   SOLE 0 0 0 237,911
VANGUARD INDEX FDS TOTAL STK MKT 922908769   498,712 1,919 SH   SOLE 0 0 0 1,919
VANGUARD INDEX FDS VALUE ETF 922908744   2,146,300 13,179 SH   SOLE 0 0 0 13,069
VANGUARD INDEX FDS MID CAP ETF 922908629   811,349 3,247 SH   SOLE 0 0 0 3,228
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,330,007 12,143 SH   SOLE 0 0 0 12,143
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,044,064 12,073 SH   SOLE 0 0 0 12,073
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   303,744 7,272 SH   SOLE 0 0 0 7,272
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   465,775 7,942 SH   SOLE 0 0 0 7,921
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,574,629 22,035 SH   SOLE 0 0 0 21,906
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   13,879,679 160,144 SH   SOLE 0 0 0 157,877
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   538,321 9,932 SH   SOLE 0 0 0 9,932
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,214,091 26,565 SH   SOLE 0 0 0 26,565
VANGUARD WORLD FD ESG US STK ETF 921910733   242,201 2,599 SH   SOLE 0 0 0 2,599
VERIZON COMMUNICATIONS INC COM 92343V104   361,318 8,611 SH   SOLE 0 0 0 8,611
VISA INC COM CL A 92826C839   773,889 2,773 SH   SOLE 0 0 0 2,773
WATSCO INC COM 942622200   234,560 543 SH   SOLE 0 0 0 543
WEC ENERGY GROUP INC COM 92939U106   331,929 4,042 SH   SOLE 0 0 0 4,042
WELLS FARGO CO NEW COM 949746101   318,606 5,497 SH   SOLE 0 0 0 5,497
WEST PHARMACEUTICAL SVSC INC COM 955306105   229,512 580 SH   SOLE 0 0 0 580
WISDOMTREE TR US TOTAL DIVIDND 97717W109   223,967 3,167 SH   SOLE 0 0 0 3,167
WORKDAY INC CL A 98138H101   237,293 870 SH   SOLE 0 0 0 870
ZOETIS INC CL A 98978V103   255,846 1,512 SH   SOLE 0 0 0 1,512