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
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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
INVESCO QQQ TR UNIT SER 1 46090E103   6,071,964 16,948 SH   SOLE   16,948 0 0
ISHARES TR CORE S&P500 ETF 464287200   62,354,256 145,202 SH   SOLE   145,202 0 0
ISHARES TR CORE S&P MCP ETF 464287507   20,441,214 81,978 SH   SOLE   81,978 0 0
ISHARES TR CORE S&P SCP ETF 464287804   33,494,130 355,074 SH   SOLE   355,074 0 0
ISHARES TR IBOXX INV CP ETF 464287242   2,352,071 23,055 SH   SOLE   23,055 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,919,771 63,674 SH   SOLE   63,674 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,193,502 91,625 SH   SOLE   91,625 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,347,689 69,131 SH   SOLE   69,131 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,503,117 51,760 SH   SOLE   51,760 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,342,550 56,556 SH   SOLE   56,556 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,705,911 53,593 SH   SOLE   53,593 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,822,012 247,530 SH   SOLE   247,530 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   8,928,653 227,714 SH   SOLE   227,714 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   4,355,765 42,158 SH   SOLE   42,158 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,460,974 47,863 SH   SOLE   47,863 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,431,169 85,555 SH   SOLE   85,555 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   4,823,127 49,764 SH   SOLE   49,764 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,136,912 101,520 SH   SOLE   101,520 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,757,269 30,617 SH   SOLE   30,617 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,198,576 69,176 SH   SOLE   69,176 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,018,641 72,818 SH   SOLE   72,818 0 0
ISHARES TR TIPS BD ETF 464287176   1,253,352 12,084 SH   SOLE   12,084 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   205,881 8,878 SH   SOLE   8,878 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   661,377 2,044 SH   SOLE   2,044 0 0
ABBOTT LABS COM 002824100   656,159 6,775 SH   SOLE   6,775 0 0
ACTIVISION BLIZZARD INC COM 00507V109   507,662 5,422 SH   SOLE   5,422 0 0
AIR PRODS & CHEMS INC COM 009158106   450,039 1,588 SH   SOLE   1,588 0 0
ALPHABET INC CAP STK CL C 02079K107   1,281,582 9,720 SH   SOLE   9,720 0 0
AMERICAN EXPRESS CO COM 025816109   295,396 1,980 SH   SOLE   1,980 0 0
AMGEN INC COM 031162100   477,855 1,778 SH   SOLE   1,778 0 0
APPLE INC COM 037833100   3,689,268 21,548 SH   SOLE   21,548 0 0
AT&T INC COM 00206R102   165,325 11,007 SH   SOLE   11,007 0 0
BANK AMERICA CORP COM 060505104   344,796 12,593 SH   SOLE   12,593 0 0
BOEING CO COM 097023105   307,838 1,606 SH   SOLE   1,606 0 0
CANADIAN NATL RY CO COM 136375102   412,196 3,805 SH   SOLE   3,805 0 0
CATERPILLAR INC COM 149123101   476,112 1,744 SH   SOLE   1,744 0 0
SCHWAB CHARLES CORP COM 808513105   360,034 6,558 SH   SOLE   6,558 0 0
CISCO SYS INC COM 17275R102   498,678 9,276 SH   SOLE   9,276 0 0
COLGATE PALMOLIVE CO COM 194162103   250,663 3,525 SH   SOLE   3,525 0 0
COMCAST CORP NEW CL A 20030N101   392,365 8,849 SH   SOLE   8,849 0 0
CONOCOPHILLIPS COM 20825C104   434,515 3,627 SH   SOLE   3,627 0 0
CONSTELLATION BRANDS INC CL A 21036P108   508,692 2,024 SH   SOLE   2,024 0 0
CORTEVA INC COM 22052L104   439,874 8,598 SH   SOLE   8,598 0 0
DEERE & CO COM 244199105   725,324 1,922 SH   SOLE   1,922 0 0
EOG RES INC COM 26875P101   430,604 3,397 SH   SOLE   3,397 0 0
EXXON MOBIL CORP COM 30231G102   496,776 4,225 SH   SOLE   4,225 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   204,526 6,166 SH   SOLE   6,166 0 0
FISERV INC COM 337738108   1,118,417 9,901 SH   SOLE   9,901 0 0
GILEAD SCIENCES INC COM 375558103   232,614 3,104 SH   SOLE   3,104 0 0
HOLOGIC INC COM 436440101   388,154 5,593 SH   SOLE   5,593 0 0
HOWMET AEROSPACE INC COM 443201108   248,686 5,377 SH   SOLE   5,377 0 0
JOHNSON & JOHNSON COM 478160104   621,754 3,992 SH   SOLE   3,992 0 0
JPMORGAN CHASE & CO COM 46625H100   788,474 5,437 SH   SOLE   5,437 0 0
LOWES COS INC COM 548661107   651,994 3,137 SH   SOLE   3,137 0 0
MEDTRONIC PLC SHS G5960L103   305,369 3,897 SH   SOLE   3,897 0 0
MERCK & CO INC COM 58933Y105   361,457 3,511 SH   SOLE   3,511 0 0
META PLATFORMS INC CL A 30303M102   595,016 1,982 SH   SOLE   1,982 0 0
MICROSOFT CORP COM 594918104   3,376,631 10,694 SH   SOLE   10,694 0 0
MORGAN STANLEY COM NEW 617446448   413,822 5,067 SH   SOLE   5,067 0 0
NIKE INC CL B 654106103   367,850 3,847 SH   SOLE   3,847 0 0
ORACLE CORP COM 68389X105   733,920 6,929 SH   SOLE   6,929 0 0
PAYPAL HLDGS INC COM 70450Y103   401,562 6,869 SH   SOLE   6,869 0 0
PEPSICO INC COM 713448108   505,101 2,981 SH   SOLE   2,981 0 0
PFIZER INC COM 717081103   261,081 7,871 SH   SOLE   7,871 0 0
REGENERON PHARMACEUTICALS COM 75886F107   658,368 800 SH   SOLE   800 0 0
RTX CORPORATION COM 75513E101   389,574 5,413 SH   SOLE   5,413 0 0
SCHLUMBERGER LTD COM STK 806857108   335,225 5,750 SH   SOLE   5,750 0 0
TARGET CORP COM 87612E106   241,374 2,183 SH   SOLE   2,183 0 0
TESLA INC COM 88160R101   490,181 1,959 SH   SOLE   1,959 0 0
TEXAS INSTRS INC COM 882508104   370,811 2,332 SH   SOLE   2,332 0 0
DISNEY WALT CO COM 254687106   306,531 3,782 SH   SOLE   3,782 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   620,058 1,225 SH   SOLE   1,225 0 0
US BANCORP DEL COM NEW 902973304   348,849 10,552 SH   SOLE   10,552 0 0
UNITED PARCEL SERVICE INC CL B 911312106   230,376 1,478 SH   SOLE   1,478 0 0
UNITEDHEALTH GROUP INC COM 91324P102   559,651 1,110 SH   SOLE   1,110 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   1,382,819 9,538 SH   SOLE   9,538 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   795,629 2,288 SH   SOLE   2,288 0 0
VISA INC COM CL A 92826C839   671,859 2,921 SH   SOLE   2,921 0 0
WESTROCK CO COM 96145D105   397,738 11,110 SH   SOLE   11,110 0 0
WINTRUST FINL CORP COM 97650W108   226,500 3,000 SH   SOLE   3,000 0 0
SALESFORCE INC COM 79466L302   386,296 1,905 SH   SOLE   1,905 0 0
SOUTHWEST AIRLS CO COM 844741108   227,334 8,398 SH   SOLE   8,398 0 0
WELLS FARGO CO NEW COM 949746101   241,646 5,914 SH   SOLE   5,914 0 0
ZOETIS INC CL A 98978V103   446,433 2,566 SH   SOLE   2,566 0 0
ALLSTATE CORP COM 020002101   351,499 3,155 SH   SOLE   3,155 0 0
AMAZON COM INC COM 023135106   890,094 7,002 SH   SOLE   7,002 0 0
AMERICAN TOWER CORP NEW COM 03027X100   325,282 1,978 SH   SOLE   1,978 0 0
GENERAL MTRS CO COM 37045V100   269,398 8,171 SH   SOLE   8,171 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   289,039 1,660 SH   SOLE   1,660 0 0
WALMART INC COM 931142103   352,966 2,207 SH   SOLE   2,207 0 0
SPDR GOLD TR GOLD SHS 78463V107   366,046 2,135 SH   SOLE   2,135 0 0
UNITED RENTALS INC COM 911363109   673,079 1,514 SH   SOLE   1,514 0 0
LUMEN TECHNOLOGIES INC COM 550241103   99,566 70,117 SH   SOLE   70,117 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   216,841 1,021 SH   SOLE   1,021 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   234,124 801 SH   SOLE   801 0 0