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
APPLE INC COM 037833100   430,605 2,611 SH   SOLE 0 0 0 2,611
BOEING CO COM 097023105   223,264 1,051 SH   SOLE 0 0 0 1,051
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   1,892,849 84,276 SH   SOLE 0 0 0 84,276
ISHARES INC MSCI WORLD ETF 464286392   2,151,699 18,286 SH   SOLE 0 0 0 18,286
ISHARES TR 0-5YR HI YL CP 46434V407   729,533 17,503 SH   SOLE 0 0 0 17,503
ISHARES TR IBOXX INV CP ETF 464287242   786,827 7,178 SH   SOLE 0 0 0 7,178
ISHARES TR NATIONAL MUN ETF 464288414   755,433 7,012 SH   SOLE 0 0 0 7,012
ISHARES TR SHRT NAT MUN ETF 464288158   439,657 4,200 SH   SOLE 0 0 0 4,200
ISHARES TR CORE S&P MCP ETF 464287507   18,923,248 75,645 SH   SOLE 0 0 0 75,645
ISHARES TR U.S. REAL ES ETF 464287739   1,687,277 19,874 SH   SOLE 0 0 0 19,874
ISHARES TR RUS MD CP GR ETF 464287481   1,894,075 20,803 SH   SOLE 0 0 0 20,803
MICROSOFT CORP COM 594918104   204,463 709 SH   SOLE 0 0 0 709
NVIDIA CORPORATION COM 67066G104   771,377 2,777 SH   SOLE 0 0 0 2,777
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   224,009 3,416 SH   SOLE 0 0 0 3,416
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   215,516 6,315 SH   SOLE 0 0 0 6,315
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   459,567 14,308 SH   SOLE 0 0 0 14,308
SPDR SER TR PORTFOLIO AGRGTE 78464A649   401,229 15,558 SH   SOLE 0 0 0 15,558
SPDR SER TR BLOOMBERG HIGH Y 78468R622   278,606 3,002 SH   SOLE 0 0 0 3,002
SPDR SER TR PORTFOLIO S&P500 78464A854   948,123 19,691 SH   SOLE 0 0 0 19,691
SPDR SER TR PRTFLO S&P500 GW 78464A409   21,134,868 381,771 SH   SOLE 0 0 0 381,771
SPDR SER TR PRTFLO S&P500 VL 78464A508   489,694 12,026 SH   SOLE 0 0 0 12,026
TESLA INC COM 88160R101   962,407 4,639 SH   SOLE 0 0 0 4,639
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,156,466 28,101 SH   SOLE 0 0 0 28,101
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,434,939 90,657 SH   SOLE 0 0 0 90,657
VANGUARD INDEX FDS VALUE ETF 922908744   1,399,149 10,131 SH   SOLE 0 0 0 10,131
VANGUARD INDEX FDS MID CAP ETF 922908629   2,706,292 12,831 SH   SOLE 0 0 0 12,831
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,492,311 28,296 SH   SOLE 0 0 0 28,296
VANGUARD INDEX FDS SMALL CP ETF 922908751   19,593,706 103,364 SH   SOLE 0 0 0 103,364
VANGUARD INDEX FDS GROWTH ETF 922908736   1,188,006 4,763 SH   SOLE 0 0 0 4,763
VANGUARD INDEX FDS SML CP GRW ETF 922908595   415,147 1,918 SH   SOLE 0 0 0 1,918
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,268,814 31,840 SH   SOLE 0 0 0 31,840
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   220,220 5,451 SH   SOLE 0 0 0 5,451
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   7,135,645 77,486 SH   SOLE 0 0 0 77,486
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,084,749 53,585 SH   SOLE 0 0 0 53,585
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   287,075 1,864 SH   SOLE 0 0 0 1,864
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   569,205 9,135 SH   SOLE 0 0 0 9,135