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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
AMAZON COM INC COM 023135106   339,475 1,882 SH   SOLE 0 0 0 1,882
APPLE INC COM 037833100   509,115 2,969 SH   SOLE 0 0 0 2,969
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   7,336,754 229,345 SH   SOLE 0 0 0 229,345
DISNEY WALT CO COM 254687106   206,911 1,691 SH   SOLE 0 0 0 1,691
ISHARES INC MSCI WORLD ETF 464286392   6,644,669 45,854 SH   SOLE 0 0 0 45,854
ISHARES TR IBOXX INV CP ETF 464287242   507,304 4,658 SH   SOLE 0 0 0 4,658
ISHARES TR SHRT NAT MUN ETF 464288158   295,874 2,825 SH   SOLE 0 0 0 2,825
ISHARES TR NATIONAL MUN ETF 464288414   758,195 7,046 SH   SOLE 0 0 0 7,046
ISHARES TR 0-5YR HI YL CP 46434V407   798,199 18,759 SH   SOLE 0 0 0 18,759
ISHARES TR CORE S&P MCP ETF 464287507   23,628,470 389,010 SH   SOLE 0 0 0 389,010
MICROSOFT CORP COM 594918104   246,286 585 SH   SOLE 0 0 0 585
NVIDIA CORPORATION COM 67066G104   2,059,253 2,279 SH   SOLE 0 0 0 2,279
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   219,142 2,363 SH   SOLE 0 0 0 2,363
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   260,428 3,428 SH   SOLE 0 0 0 3,428
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   414,281 11,559 SH   SOLE 0 0 0 11,559
SPDR SER TR PRTFLO S&P500 GW 78464A409   28,408,170 388,355 SH   SOLE 0 0 0 388,355
SPDR SER TR PORTFOLIO AGRGTE 78464A649   478,679 18,935 SH   SOLE 0 0 0 18,935
SPDR SER TR BLOOMBERG HIGH Y 78468R622   263,676 2,770 SH   SOLE 0 0 0 2,770
SPDR SER TR PRTFLO S&P500 VL 78464A508   554,833 11,075 SH   SOLE 0 0 0 11,075
SPDR SER TR PORTFOLIO S&P500 78464A854   899,961 14,626 SH   SOLE 0 0 0 14,626
TESLA INC COM 88160R101   936,258 5,326 SH   SOLE 0 0 0 5,326
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,145,309 28,452 SH   SOLE 0 0 0 28,452
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,925,453 39,143 SH   SOLE 0 0 0 39,143
VANGUARD INDEX FDS SM CP VAL ETF 922908611   561,841 2,928 SH   SOLE 0 0 0 2,928
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   507,915 3,258 SH   SOLE 0 0 0 3,258
VANGUARD INDEX FDS MID CAP ETF 922908629   13,535,350 54,172 SH   SOLE 0 0 0 54,172
VANGUARD INDEX FDS SMALL CP ETF 922908751   34,433,640 150,635 SH   SOLE 0 0 0 150,635
VANGUARD INDEX FDS GROWTH ETF 922908736   1,472,127 4,277 SH   SOLE 0 0 0 4,277
VANGUARD INDEX FDS VALUE ETF 922908744   1,231,978 7,565 SH   SOLE 0 0 0 7,565
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   7,119,804 64,433 SH   SOLE 0 0 0 64,433
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   6,303,685 81,538 SH   SOLE 0 0 0 81,538
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   340,385 1,864 SH   SOLE 0 0 0 1,864
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   573,167 8,977 SH   SOLE 0 0 0 8,977