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
ABBOTT LABS COM 002824100   346,217 2,610 SH   SOLE   0 0 2,610
ABBVIE INC COM 00287Y109   534,695 2,552 SH   SOLE   0 0 2,552
AMAZON COM INC COM 023135106   293,381 1,542 SH   SOLE   0 0 1,542
APPLE INC COM 037833100   1,195,241 5,381 SH   SOLE   0 0 5,381
COCA COLA CO COM 191216100   236,346 3,300 SH   SOLE   0 0 3,300
EXXON MOBIL CORP COM 30231G102   391,874 3,295 SH   SOLE   0 0 3,295
GLOBAL X FDS GLBL X MLP ETF 37954Y343   2,664,943 50,065 SH   SOLE   0 0 50,065
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628   4,055,319 64,606 SH   SOLE   0 0 64,606
ISHARES TR CORE S&P500 ETF 464287200   293,874 523 SH   SOLE   0 0 523
ISHARES TR CORE US AGGBD ET 464287226   393,603 3,979 SH   SOLE   0 0 3,979
ISHARES TR ESG MSCI USA ETF 46436E767   324,030 6,943 SH   SOLE   0 0 6,943
JPMORGAN CHASE & CO. COM 46625H100   223,223 910 SH   SOLE   0 0 910
MICROSOFT CORP COM 594918104   328,995 876 SH   SOLE   0 0 876
NORTHROP GRUMMAN CORP COM 666807102   434,184 848 SH   SOLE   0 0 848
NVIDIA CORPORATION COM 67066G104   334,461 3,086 SH   SOLE   0 0 3,086
PACER FDS TR US SMALL CAP CAS 69374H857   4,128,263 110,087 SH   SOLE   0 0 110,087
S&P GLOBAL INC COM 78409V104   363,800 716 SH   SOLE   0 0 716
SPDR S&P 500 ETF TR TR UNIT 78462F103   35,130,251 62,801 SH   SOLE   0 0 62,801
SPDR SER TR PORTFOLI S&P1500 78464A805   355,760 5,231 SH   SOLE   0 0 5,231
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,208,649 56,138 SH   SOLE   0 0 56,138
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,538,410 341,413 SH   SOLE   0 0 341,413
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   241,381 9,213 SH   SOLE   0 0 9,213
SCHWAB STRATEGIC TR LONG TERM US 808524680   2,782,143 84,925 SH   SOLE   0 0 84,925
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,141,385 76,587 SH   SOLE   0 0 76,587
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,842,804 194,277 SH   SOLE   0 0 194,277
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   7,557,075 303,985 SH   SOLE   0 0 303,985
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,753,333 25,706 SH   SOLE   0 0 25,706
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   3,957,296 20,041 SH   SOLE   0 0 20,041
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   8,410,963 40,735 SH   SOLE   0 0 40,735
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   4,523,383 46,899 SH   SOLE   0 0 46,899
TESLA INC COM 88160R101   813,503 3,139 SH   SOLE   0 0 3,139
VANECK ETF TRUST BDC INCOME ETF 92189F411   260,149 15,522 SH   SOLE   0 0 15,522
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   10,392,147 141,486 SH   SOLE   0 0 141,486
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   31,382,594 617,403 SH   SOLE   0 0 617,403
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   327,908 2,828 SH   SOLE   0 0 2,828
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,528,232 166,333 SH   SOLE   0 0 166,333
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   228,252 4,600 SH   SOLE   0 0 4,600
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,457,569 6,728 SH   SOLE   0 0 6,728
VANGUARD INDEX FDS TOTAL STK MKT 922908769   512,027 1,863 SH   SOLE   0 0 1,863