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
SPDR S&P 500 Growth ETF COM 78464A409   61,460,773 1,212,962 SH   SOLE   0 0 1,212,962
SPDR DJ Small Cap Growth COM 78464A201   22,351,298 309,403 SH   SOLE   0 0 309,403
iShares Core MSCI Emerging Markets COM 46434G103   2,922,906 62,589 SH   SOLE   0 0 62,589
SPDR Trust - S&P 500 Index COM 78462F103   1,637,893 4,283 SH   SOLE   0 0 4,283
iShares Core MSCI EAFE COM 46432F842   1,436,582 23,306 SH   SOLE   0 0 23,306
iShares iBonds Dec 2024 Term Muni Bond COM 46435U697   728,365 28,286 SH   SOLE   0 0 28,286
iShares iBonds Dec 2023 Term Muni Bond COM 46435G318   727,063 28,681 SH   SOLE   0 0 28,681
Visa Inc Cl A COM 92826C839   721,758 3,474 SH   SOLE   0 0 3,474
DJ Wilshire REIT ETF COM 78464A607   717,332 8,231 SH   SOLE   0 0 8,231
iShares iBonds Dec 2025 Term Muni Bond COM 46435U432   708,166 26,855 SH   SOLE   0 0 26,855
Spdr S&P Dividend Etf COM 78464A763   671,841 5,370 SH   SOLE   0 0 5,370
Vanguard ST Corp Bond Index - ETF COM 92206C409   431,891 5,744 SH   SOLE   0 0 5,744
Invesco BulletShares 2023 Corp Bond COM 46138J866   415,866 19,822 SH   SOLE   0 0 19,822
Invesco BulletShares 2024 Corp Bond COM 46138J841   405,789 19,809 SH   SOLE   0 0 19,809
Wisdomtree Midcap Divdnd COM 97717W505   370,260 9,000 SH   SOLE   0 0 9,000
Exxon Mobil Corp. COM 30231G102   364,211 3,302 SH   SOLE   0 0 3,302
WISDOMTREE HIGH DIVIDEND FUND COM 97717W208   344,240 4,000 SH   SOLE   0 0 4,000
Invesco BulletShares 2025 Corp Bond COM 46138J825   316,359 15,708 SH   SOLE   0 0 15,708
Alphabet Inc CL C COM 02079K107   289,260 3,260 SH   SOLE   0 0 3,260
Invesco BulletShares 2026 Corp Bond COM 46138J791   263,474 13,922 SH   SOLE   0 0 13,922
Invesco Treasury COM 46138G888   263,455 2,501 SH   SOLE   0 0 2,501
Alphabet Inc CL A COM 02079K305   233,104 2,642 SH   SOLE   0 0 2,642
Unitedhealth Group Inc COM 91324P102   217,374 410 SH   SOLE   0 0 410
iShares Russell 2001 COM 464287655   25,146,506 144,222 SH   SOLE   0 0 144,222
iShares S&P National Muni Bond COM 464288414   20,906,678 198,130 SH   SOLE   0 0 198,130
iShares S&P MidCap 400 - Barra Growth COM 464287606   20,694,832 302,999 SH   SOLE   0 0 302,999
iShares MSCI EAFE Index COM 464287465   14,481,759 220,624 SH   SOLE   0 0 220,624
iShares Russell 3000 Index COM 464287689   14,371,837 65,125 SH   SOLE   0 0 65,125
iShares Russell 2000 Value COM 464287630   11,596,054 83,623 SH   SOLE   0 0 83,623
Vanguard Total Stock Mkt COM 922908769   7,386,817 38,636 SH   SOLE   0 0 38,636
Vanguard Intl Eqty Index COM 922042775   6,315,685 125,961 SH   SOLE   0 0 125,961
iShares Russell 1000 Value COM 464287598   5,782,415 38,130 SH   SOLE   0 0 38,130
iShares MSCI EAFE Small Cap COM 464288273   5,534,362 97,988 SH   SOLE   0 0 97,988
iShares Russell 1000 Growth COM 464287614   5,506,396 25,702 SH   SOLE   0 0 25,702
iShares Russell 2000 Growth COM 464287648   4,577,213 21,337 SH   SOLE   0 0 21,337
iShares MSCI Emerging Markets Index COM 464287234   2,556,961 67,466 SH   SOLE   0 0 67,466
iShares S&P 500 Index COM 464287200   1,894,351 4,931 SH   SOLE   0 0 4,931
iShares Russell Mid Cap Growth COM 464287481   1,876,569 22,447 SH   SOLE   0 0 22,447
Vanguard Global Ex US Real Estate COM 922042676   1,787,185 43,231 SH   SOLE   0 0 43,231
Microsoft Corp. COM 594918104   1,478,011 6,163 SH   SOLE   0 0 6,163
Vanguard Large Cap Value ETF COM 922908744   981,046 6,989 SH   SOLE   0 0 6,989
iShares Tr S&P 500 Value COM 464287408   944,841 6,513 SH   SOLE   0 0 6,513
Johnson & Johnson COM 478160104   876,007 4,959 SH   SOLE   0 0 4,959
Vanguard Muni Bnd Tax COM 922907746   866,273 17,504 SH   SOLE   0 0 17,504
Home Depot COM 437076102   845,557 2,677 SH   SOLE   0 0 2,677
Brown & Brown Inc COM 115236101   726,368 12,750 SH   SOLE   0 0 12,750
Vanguard Real Estate ETF COM 922908553   718,153 8,707 SH   SOLE   0 0 8,707
iShares Russell Midcap Value COM 464287473   595,487 5,653 SH   SOLE   0 0 5,653
Vanguard Mid Cap COM 922908629   504,022 2,473 SH   SOLE   0 0 2,473
iShares Core S&P Total U.S. ETF COM 464287150   365,573 4,311 SH   SOLE   0 0 4,311
Vanguard Mid-Cap Growth ETF COM 922908538   334,354 1,860 SH   SOLE   0 0 1,860
Schwab US Large Cap Value ETF COM 808524409   326,469 4,945 SH   SOLE   0 0 4,945
Schwab US Large Cap Growth ETF COM 808524300   309,580 5,572 SH   SOLE   0 0 5,572
iShares MSCI ACWI Index COM 464288257   308,624 3,636 SH   SOLE   0 0 3,636
Lilly Eli & Co. COM 532457108   275,843 754 SH   SOLE   0 0 754
Intel Corp. COM 458140100   232,293 8,789 SH   SOLE   0 0 8,789
Caterpillar Tractor Co. S COM 149123101   222,312 928 SH   SOLE   0 0 928
iShares Tr Lehman Bd Fd COM 464287226   213,378 2,200 SH   SOLE   0 0 2,200
Vanguard S&P 500 Etf COM 922908363   209,399 596 SH   SOLE   0 0 596
Schwab US Large Cap ETF COM 808524201   204,439 4,528 SH   SOLE   0 0 4,528
Vanguard Div Apprciation COM 921908844   203,783 1,342 SH   SOLE   0 0 1,342