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
Amazon Stock 023135106   692 6,700 SH   SOLE 0 0 0 6,700
Apple Stock 037833100   2,143 12,998 SH   SOLE 0 0 0 12,998
Berkshire Hathaway B Stock 084670702   788 2,552 SH   SOLE 0 0 0 2,552
Coca Cola Co Stock 191216100   583 9,407 SH   SOLE 0 0 0 9,406
Exxon Mobil Corp Stock 30231G102   398 3,631 SH   SOLE 0 0 0 3,631
Fidelity MSCI Health Care Index ETF ETF 316092600   303 4,937 SH   SOLE 0 0 0 4,936
Financial Select Sector SPDR Fund ETF 81369Y605   2,179 67,766 SH   SOLE 0 0 0 67,765
Hershey Co Stock 427866108   239 941 SH   SOLE 0 0 0 940
Honeywell International Inc Stock 438516106   271 1,417 SH   SOLE 0 0 0 1,416
International Business Machines Stock 459200101   941 7,180 SH   SOLE 0 0 0 7,180
Invesco National AMT-Free Muni Bond ETF ETF 46138E537   268 11,336 SH   SOLE 0 0 0 11,336
Invesco QQQ ETF ETF 46090E103   5,398 16,820 SH   SOLE 0 0 0 16,819
Invesco S&P 500 Low Volatility Portfolio ETF 46138E354   652 10,450 SH   SOLE 0 0 0 10,450
iShares 3-7 Year Treasury Bond ETF ETF 464288661   374 3,182 SH   SOLE 0 0 0 3,182
iShares 7-10 Year Treasury Bond ETF ETF 464287440   416 4,201 SH   SOLE 0 0 0 4,200
iShares Core Dividend Growth ETF ETF 46434V621   628 12,565 SH   SOLE 0 0 0 12,565
iShares Core MSCI EAFE ETF ETF 46432F842   1,498 22,414 SH   SOLE 0 0 0 22,413
iShares Core S&P 500 ETF ETF 464287200   2,442 5,940 SH   SOLE 0 0 0 5,940
iShares Core U.S. Aggregate Bond ETF ETF 464287226   918 9,216 SH   SOLE 0 0 0 9,216
iShares Edge MSCI International Quality Factor ETF ETF 46434V456   1,289 36,517 SH   SOLE 0 0 0 36,517
iShares Edge MSCI Min Vol EAFE ETF ETF 46429B689   263 3,894 SH   SOLE 0 0 0 3,894
iShares Edge MSCI Min Vol USA ETF ETF 46429B697   399 5,486 SH   SOLE 0 0 0 5,486
iShares Edge MSCI USA Quality Factor ETF ETF 46432F339   2,194 17,687 SH   SOLE 0 0 0 17,686
iShares Global Clean Energy ETF ETF 464288224   791 39,981 SH   SOLE 0 0 0 39,980
iShares MSCI EAFE ESG Select ETF ETF 46435G516   294 4,090 SH   SOLE 0 0 0 4,089
iShares MSCI EAFE Value ETF ETF 464288877   1,414 29,138 SH   SOLE 0 0 0 29,137
iShares MSCI USA ESG Select ETF ETF 464288802   581 6,616 SH   SOLE 0 0 0 6,616
iShares MSCI USA Value Factor ETF ETF 46432F388   1,007 10,874 SH   SOLE 0 0 0 10,874
iShares Russell 1000 Growth ETF ETF 464287614   443 1,814 SH   SOLE 0 0 0 1,814
iShares Russell 1000 Value ETF ETF 464287598   497 3,267 SH   SOLE 0 0 0 3,266
iShares Russell 2000 Growth ETF ETF 464287648   347 1,529 SH   SOLE 0 0 0 1,528
iShares Select Dividend ETF ETF 464287168   687 5,862 SH   SOLE 0 0 0 5,861
iShares Short-Term National Muni Bond ETF ETF 464288158   396 3,784 SH   SOLE 0 0 0 3,784
iShares U.S. Aerospace & Defense ETF ETF 464288760   346 3,008 SH   SOLE 0 0 0 3,007
iShares U.S. Infrastructure ETF ETF 46435U713   1,363 36,515 SH   SOLE 0 0 0 36,514
iShares U.S. Preferred Stock ETF ETF 464288687   286 9,146 SH   SOLE 0 0 0 9,145
iShares U.S. Technology ETF ETF 464287721   410 4,420 SH   SOLE 0 0 0 4,420
Johnson & Johnson Co Stock 478160104   782 5,045 SH   SOLE 0 0 0 5,044
Lockheed Martin Stock 539830109   732 1,548 SH   SOLE 0 0 0 1,548
McDonald's Stock 580135101   839 3,000 SH   SOLE 0 0 0 3,000
Microsoft Corp Stock 594918104   764 2,651 SH   SOLE 0 0 0 2,651
NASDAQ 100 Equal-Weighted ETF ETF 25459Y207   681 9,381 SH   SOLE 0 0 0 9,381
OGE Energy Corp Stock 670837103   238 6,315 SH   SOLE 0 0 0 6,315
Pepsico Stock 713448108   226 1,241 SH   SOLE 0 0 0 1,241
Pfizer Inc Stock 717081103   1,565 38,358 SH   SOLE 0 0 0 38,358
Procter & Gamble Co Stock 742718109   326 2,192 SH   SOLE 0 0 0 2,192
Schwab AMT Tax-Free Money Fund Ultra Money Market Fund 808515530   1,841 1,840,595 SH   SOLE 0 0 0 1,840,594
Schwab Emerging Markets Equity ETF ETF 808524706   466 19,007 SH   SOLE 0 0 0 19,006
Schwab Fundamental Emerging Markets ETF ETF 808524730   234 8,990 SH   SOLE 0 0 0 8,989
Schwab Fundamental Intl Large Cap ETF ETF 808524755   279 8,907 SH   SOLE 0 0 0 8,907
Schwab Fundamental U.S. Large Cap ETF ETF 808524771   436 7,934 SH   SOLE 0 0 0 7,933
Schwab International Equity ETF ETF 808524805   2,121 60,946 SH   SOLE 0 0 0 60,946
Schwab US Dividend Equity ETF ETF 808524797   1,607 21,967 SH   SOLE 0 0 0 21,967
Schwab US Large Cap Growth ETF ETF 808524300   3,601 55,254 SH   SOLE 0 0 0 55,253
Schwab US Large Cap Value ETF ETF 808524409   1,303 19,866 SH   SOLE 0 0 0 19,865
Schwab US Mid Cap ETF ETF 808524508   1,068 15,739 SH   SOLE 0 0 0 15,738
Schwab US Small Cap ETF ETF 808524607   314 7,485 SH   SOLE 0 0 0 7,485
SPDR Consumer Staples ETF ETF 81369Y308   253 3,392 SH   SOLE 0 0 0 3,392
SPDR Dow Jones Industrial Average ETF ETF 78467X109   269 809 SH   SOLE 0 0 0 809
SPDR S&P 500 ETF ETF 78462F103   1,841 4,497 SH   SOLE 0 0 0 4,496
SPDR S&P Biotech ETF ETF 78464A870   803 10,536 SH   SOLE 0 0 0 10,536
SPDR S&P Dividend ETF ETF 78464A763   1,089 8,806 SH   SOLE 0 0 0 8,805
SPDR S&P Mid Cap 400 ETF ETF 78467Y107   990 2,160 SH   SOLE 0 0 0 2,159
Technology Select Sector SPDR ETF ETF 81369Y803   536 3,551 SH   SOLE 0 0 0 3,551
Texas Instruments Inc Stock 882508104   407 2,190 SH   SOLE 0 0 0 2,190
VanEck Morningstar Wide Moat ETF ETF 92189F643   614 8,323 SH   SOLE 0 0 0 8,323
VanEck Pharmaceuticals ETF ETF 92189F692   344 4,426 SH   SOLE 0 0 0 4,425
Vanguard Communication Services ETF ETF 92204A884   279 2,888 SH   SOLE 0 0 0 2,887
Vanguard Dividend Appreciation Index ETF ETF 921908844   6,419 41,682 SH   SOLE 0 0 0 41,682
Vanguard Energy Index ETF ETF 92204A306   1,181 10,343 SH   SOLE 0 0 0 10,342
Vanguard Extended Market Index ETF ETF 922908652   1,490 10,626 SH   SOLE 0 0 0 10,625
Vanguard FTSE All-World Ex-US ETF ETF 922042775   1,188 22,211 SH   SOLE 0 0 0 22,210
Vanguard FTSE All-World Ex-US Small Cap ETF ETF 922042718   669 6,124 SH   SOLE 0 0 0 6,124
Vanguard FTSE Developed Markets ETF ETF 921943858   9,914 219,486 SH   SOLE 0 0 0 219,485
Vanguard FTSE Emerging Markets ETF ETF 922042858   2,913 72,110 SH   SOLE 0 0 0 72,110
Vanguard Health Care Index ETF ETF 92204A504   661 2,773 SH   SOLE 0 0 0 2,773
Vanguard High Dividend Yield ETF ETF 921946406   2,338 22,157 SH   SOLE 0 0 0 22,156
Vanguard International Dividend Appreciation ETF ETF 921946810   557 7,562 SH   SOLE 0 0 0 7,562
Vanguard Large Cap Growth Index ETF ETF 922908736   15,642 62,710 SH   SOLE 0 0 0 62,710
Vanguard Large Cap Value Index ETF ETF 922908744   18,896 136,820 SH   SOLE 0 0 0 136,820
Vanguard Mid Cap Index ETF ETF 922908629   5,043 23,912 SH   SOLE 0 0 0 23,911
Vanguard Mid-Cap Growth ETF ETF 922908538   467 2,396 SH   SOLE 0 0 0 2,396
Vanguard Mid-Cap Value ETF ETF 922908512   434 3,235 SH   SOLE 0 0 0 3,234
Vanguard REIT ETF ETF 922908553   858 10,327 SH   SOLE 0 0 0 10,327
Vanguard S&P 500 ETF ETF 922908363   3,106 8,260 SH   SOLE 0 0 0 8,259
Vanguard Short-Term Bond Index ETF ETF 921937827   226 2,954 SH   SOLE 0 0 0 2,953
Vanguard Small Cap Growth Index ETF ETF 922908595   2,448 11,312 SH   SOLE 0 0 0 11,312
Vanguard Small Cap Index ETF ETF 922908751   2,405 12,688 SH   SOLE 0 0 0 12,687
Vanguard Small Cap Value Index ETF ETF 922908611   2,382 15,003 SH   SOLE 0 0 0 15,003
Vanguard Total Bond Market ETF ETF 921937835   1,087 14,726 SH   SOLE 0 0 0 14,726
Vanguard Total International Stock ETF ETF 921909768   2,658 48,135 SH   SOLE 0 0 0 48,134
Vanguard Total Stock Market Index ETF ETF 922908769   342 1,673 SH   SOLE 0 0 0 1,673