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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
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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
ABBOTT LABS COM 002824100   295,217 2,610 SH   SOLE   0 0 2,610
ABBVIE INC COM 00287Y109   476,236 2,680 SH   SOLE   0 0 2,680
AMAZON COM INC COM 023135106   466,204 2,125 SH   SOLE   0 0 2,125
APPLE INC COM 037833100   985,300 3,935 SH   SOLE   0 0 3,935
BLACKSTONE INC COM 09260D107   209,490 1,215 SH   SOLE   0 0 1,215
EXXON MOBIL CORP COM 30231G102   426,031 3,961 SH   SOLE   0 0 3,961
GLOBAL X FDS GLBL X MLP ETF 37954Y343   2,503,560 50,669 SH   SOLE   0 0 50,669
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628   3,892,900 59,570 SH   SOLE   0 0 59,570
ISHARES TR CORE S&P500 ETF 464287200   307,880 523 SH   SOLE   0 0 523
ISHARES TR CORE US AGGBD ET 464287226   343,414 3,544 SH   SOLE   0 0 3,544
ISHARES TR USD INV GRDE ETF 464288620   208,662 4,150 SH   SOLE   0 0 4,150
ISHARES TR ESG MSCI USA ETF 46436E767   562,980 11,323 SH   SOLE   0 0 11,323
JPMORGAN CHASE & CO. COM 46625H100   218,136 910 SH   SOLE   0 0 910
MICROSOFT CORP COM 594918104   560,327 1,329 SH   SOLE   0 0 1,329
NORTHROP GRUMMAN CORP COM 666807102   641,989 1,368 SH   SOLE   0 0 1,368
PACER FDS TR PACER US SMALL 69374H857   4,582,850 104,132 SH   SOLE   0 0 104,132
S&P GLOBAL INC COM 78409V104   377,009 757 SH   SOLE   0 0 757
SPDR S&P 500 ETF TR TR UNIT 78462F103   34,064,142 58,122 SH   SOLE   0 0 58,122
SPDR SER TR PORTFOLI S&P1500 78464A805   373,650 5,231 SH   SOLE   0 0 5,231
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,761,692 77,608 SH   SOLE   0 0 77,608
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   8,003,098 345,259 SH   SOLE   0 0 345,259
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   298,880 10,786 SH   SOLE   0 0 10,786
SCHWAB STRATEGIC TR LONG TERM US 808524680   2,319,880 73,811 SH   SOLE   0 0 73,811
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,362,292 86,467 SH   SOLE   0 0 86,467
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,983,998 215,351 SH   SOLE   0 0 215,351
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   403,152 17,760 SH   SOLE   0 0 17,760
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   7,218,388 297,175 SH   SOLE   0 0 297,175
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,291,637 23,927 SH   SOLE   0 0 23,927
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   4,136,565 18,438 SH   SOLE   0 0 18,438
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   8,762,051 37,683 SH   SOLE   0 0 37,683
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   4,213,920 43,528 SH   SOLE   0 0 43,528
TESLA INC COM 88160R101   1,091,580 2,703 SH   SOLE   0 0 2,703
VANECK ETF TRUST BDC INCOME ETF 92189F411   286,818 17,247 SH   SOLE   0 0 17,247
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,658,827 120,412 SH   SOLE   0 0 120,412
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   27,274,137 570,350 SH   SOLE   0 0 570,350
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   615,376 5,238 SH   SOLE   0 0 5,238
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,972,325 158,318 SH   SOLE   0 0 158,318
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   230,598 4,600 SH   SOLE   0 0 4,600
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,080,220 5,717 SH   SOLE   0 0 5,717
VANGUARD INDEX FDS TOTAL STK MKT 922908769   211,561 730 SH   SOLE   0 0 730