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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
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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
APPLE INC COM 037833100   385,745 2,969 SH   SOLE 0 0 0 2,969
BOEING CO COM 097023105   200,205 1,051 SH   SOLE 0 0 0 1,051
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   1,095,412 54,935 SH   SOLE 0 0 0 54,935
ISHARES INC MSCI WORLD ETF 464286392   1,499,770 13,728 SH   SOLE 0 0 0 13,728
ISHARES TR SHRT NAT MUN ETF 464288158   472,609 4,533 SH   SOLE 0 0 0 4,533
ISHARES TR NATIONAL MUN ETF 464288414   731,460 6,932 SH   SOLE 0 0 0 6,932
ISHARES TR IBOXX INV CP ETF 464287242   826,854 7,843 SH   SOLE 0 0 0 7,843
ISHARES TR U.S. REAL ES ETF 464287739   1,888,661 22,433 SH   SOLE 0 0 0 22,433
ISHARES TR 0-5YR HI YL CP 46434V407   832,244 20,353 SH   SOLE 0 0 0 20,353
ISHARES TR CORE S&P MCP ETF 464287507   18,171,533 75,123 SH   SOLE 0 0 0 75,123
ISHARES TR RUS MD CP GR ETF 464287481   1,940,690 23,214 SH   SOLE 0 0 0 23,214
MICROSOFT CORP COM 594918104   217,599 907 SH   SOLE 0 0 0 907
NVIDIA CORPORATION COM 67066G104   405,835 2,777 SH   SOLE 0 0 0 2,777
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   222,463 3,370 SH   SOLE 0 0 0 3,370
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   447,685 15,079 SH   SOLE 0 0 0 15,079
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   219,902 6,672 SH   SOLE 0 0 0 6,672
SPDR SER TR PRTFLO S&P500 GW 78464A409   18,981,068 374,602 SH   SOLE 0 0 0 374,602
SPDR SER TR PORTFOLIO AGRGTE 78464A649   425,269 16,923 SH   SOLE 0 0 0 16,923
SPDR SER TR PRTFLO S&P500 VL 78464A508   450,893 11,594 SH   SOLE 0 0 0 11,594
SPDR SER TR BLOOMBERG HIGH Y 78468R622   266,843 2,965 SH   SOLE 0 0 0 2,965
SPDR SER TR PORTFOLIO S&P500 78464A854   931,597 20,711 SH   SOLE 0 0 0 20,711
TESLA INC COM 88160R101   570,447 4,631 SH   SOLE 0 0 0 4,631
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,153,387 28,975 SH   SOLE 0 0 0 28,975
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,724,337 99,607 SH   SOLE 0 0 0 99,607
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,943,199 31,128 SH   SOLE 0 0 0 31,128
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,780,316 35,347 SH   SOLE 0 0 0 35,347
VANGUARD INDEX FDS SMALL CP ETF 922908751   17,778,903 96,867 SH   SOLE 0 0 0 96,867
VANGUARD INDEX FDS MID CAP ETF 922908629   1,559,700 7,653 SH   SOLE 0 0 0 7,653
VANGUARD INDEX FDS SML CP GRW ETF 922908595   443,955 2,214 SH   SOLE 0 0 0 2,214
VANGUARD INDEX FDS GROWTH ETF 922908736   1,013,932 4,758 SH   SOLE 0 0 0 4,758
VANGUARD INDEX FDS VALUE ETF 922908744   1,429,014 10,180 SH   SOLE 0 0 0 10,180
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   6,727,810 78,058 SH   SOLE 0 0 0 78,058
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   248,339 6,371 SH   SOLE 0 0 0 6,371
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,233,431 56,303 SH   SOLE 0 0 0 56,303
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   283,048 1,864 SH   SOLE 0 0 0 1,864
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   551,807 9,049 SH   SOLE 0 0 0 9,049