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
ABBOTT LABS COM 002824100   287,051 2,608 SH   SOLE   0 0 2,608
ABBVIE INC COM 00287Y109   253,557 1,636 SH   SOLE   0 0 1,636
ADVANCED MICRO DEVICES INC COM 007903107   211,828 1,437 SH   SOLE   0 0 1,437
ALPHABET INC CAP STK CL A 02079K305   223,644 1,601 SH   SOLE   0 0 1,601
AMAZON COM INC COM 023135106   569,775 3,750 SH   SOLE   0 0 3,750
APPLE INC COM 037833100   2,631,327 13,667 SH   SOLE   0 0 13,667
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   472,931 1,326 SH   SOLE   0 0 1,326
CHEVRON CORP NEW COM 166764100   282,062 1,891 SH   SOLE   0 0 1,891
COSTCO WHSL CORP NEW COM 22160K105   416,104 630 SH   SOLE   0 0 630
ELI LILLY & CO COM 532457108   743,806 1,276 SH   SOLE   0 0 1,276
EXXON MOBIL CORP COM 30231G102   441,882 4,420 SH   SOLE   0 0 4,420
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143   269,961 2,607 SH   SOLE   0 0 2,607
GAMESTOP CORP NEW CL A 36467W109   496,011 28,295 SH   SOLE   0 0 28,295
HOME DEPOT INC COM 437076102   211,544 610 SH   SOLE   0 0 610
ILLINOIS TOOL WKS INC COM 452308109   357,810 1,366 SH   SOLE   0 0 1,366
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   557,284 48,586 SH   SOLE   0 0 48,586
INVESCO QQQ TR UNIT SER 1 46090E103   2,192,286 5,353 SH   SOLE   0 0 5,353
ISHARES GOLD TR ISHARES NEW 464285204   245,850 6,299 SH   SOLE   0 0 6,299
ISHARES INC MSCI CDA ETF 464286509   276,314 7,533 SH   SOLE   0 0 7,533
ISHARES TR NATIONAL MUN ETF 464288414   440,273 4,061 SH   SOLE   0 0 4,061
ISHARES TR INTL SEL DIV ETF 464288448   202,560 7,237 SH   SOLE   0 0 7,237
ISHARES TR 3 7 YR TREAS BD 464288661   3,233,165 27,603 SH   SOLE   0 0 27,603
ISHARES TR PFD AND INCM SEC 464288687   661,016 21,193 SH   SOLE   0 0 21,193
ISHARES TR CORE HIGH DV ETF 46429B663   525,513 5,153 SH   SOLE   0 0 5,153
ISHARES TR CORE 1 5 YR USD 46432F859   306,887 6,453 SH   SOLE   0 0 6,453
ISHARES TR EXPONENTIAL TECH 46434V381   460,429 7,690 SH   SOLE   0 0 7,690
ISHARES TR RUS 1000 VAL ETF 464287598   270,179 1,635 SH   SOLE   0 0 1,635
ISHARES TR US HLTHCARE ETF 464287762   301,236 1,052 SH   SOLE   0 0 1,052
ISHARES TR MRGSTR SM CP ETF 464288505   307,043 5,728 SH   SOLE   0 0 5,728
ISHARES TR IBOXX INV CP ETF 464287242   312,618 2,825 SH   SOLE   0 0 2,825
ISHARES TR S&P 500 GRWT ETF 464287309   337,355 4,492 SH   SOLE   0 0 4,492
ISHARES TR CORE S&P US VLU 464287663   357,924 4,244 SH   SOLE   0 0 4,244
ISHARES TR RUS MID CAP ETF 464287499   387,325 4,983 SH   SOLE   0 0 4,983
ISHARES TR CORE S&P SCP ETF 464287804   504,948 4,665 SH   SOLE   0 0 4,665
ISHARES TR CORE S&P MCP ETF 464287507   779,017 2,811 SH   SOLE   0 0 2,811
ISHARES TR S&P SML 600 GWT 464287887   842,154 6,730 SH   SOLE   0 0 6,730
ISHARES TR SP SMCP600VL ETF 464287879   930,937 9,032 SH   SOLE   0 0 9,032
ISHARES TR CORE S&P500 ETF 464287200   1,059,833 2,219 SH   SOLE   0 0 2,219
ISHARES TR TIPS BD ETF 464287176   1,316,961 12,252 SH   SOLE   0 0 12,252
ISHARES TR 20 YR TR BD ETF 464287432   1,519,218 15,364 SH   SOLE   0 0 15,364
ISHARES TR GLOBAL 100 ETF 464287572   1,853,057 23,014 SH   SOLE   0 0 23,014
ISHARES TR 1 3 YR TREAS BD 464287457   2,001,361 24,395 SH   SOLE   0 0 24,395
ISHARES TR CORE US AGGBD ET 464287226   2,586,470 26,060 SH   SOLE   0 0 26,060
ISHARES TR 7-10 YR TRSY BD 464287440   3,272,153 33,947 SH   SOLE   0 0 33,947
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   269,646 5,337 SH   SOLE   0 0 5,337
MCDONALDS CORP COM 580135101   308,130 1,039 SH   SOLE   0 0 1,039
MICROSOFT CORP COM 594918104   1,236,080 3,287 SH   SOLE   0 0 3,287
NVIDIA CORPORATION COM 67066G104   1,130,614 2,283 SH   SOLE   0 0 2,283
OUTLOOK THERAPEUTICS INC COM NEW 69012T206   64,457 163,596 SH   SOLE   0 0 163,596
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   204,784 2,052 SH   SOLE   0 0 2,052
PROCTER AND GAMBLE CO COM 742718109   208,680 1,424 SH   SOLE   0 0 1,424
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   12,877,753 231,323 SH   SOLE   0 0 231,323
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   22,877,900 405,637 SH   SOLE   0 0 405,637
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   9,042,624 109,000 SH   SOLE   0 0 109,000
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   6,577,882 93,836 SH   SOLE   0 0 93,836
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   8,873,871 117,816 SH   SOLE   0 0 117,816
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   9,797,493 207,398 SH   SOLE   0 0 207,398
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   428,776 9,541 SH   SOLE   0 0 9,541
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,430,470 138,381 SH   SOLE   0 0 138,381
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   427,512 8,837 SH   SOLE   0 0 8,837
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   15,038,488 197,537 SH   SOLE   0 0 197,537
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,008,787 243,744 SH   SOLE   0 0 243,744
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   11,623,236 249,319 SH   SOLE   0 0 249,319
SCHWAB STRATEGIC TR US REIT ETF 808524847   804,900 38,865 SH   SOLE   0 0 38,865
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   4,588,556 92,288 SH   SOLE   0 0 92,288
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,931,774 81,151 SH   SOLE   0 0 81,151
SCHWAB STRATEGIC TR US TIPS ETF 808524870   5,058,379 96,904 SH   SOLE   0 0 96,904
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,643,905 47,117 SH   SOLE   0 0 47,117
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   298,263 2,187 SH   SOLE   0 0 2,187
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   250,533 3,956 SH   SOLE   0 0 3,956
SPDR GOLD TR GOLD SHS 78463V107   693,565 3,628 SH   SOLE   0 0 3,628
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   621,704 11,234 SH   SOLE   0 0 11,234
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   643,740 22,368 SH   SOLE   0 0 22,368
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   680,602 9,254 SH   SOLE   0 0 9,254
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   389,834 7,885 SH   SOLE   0 0 7,885
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   342,791 6,944 SH   SOLE   0 0 6,944
VANGUARD INDEX FDS GROWTH ETF 922908736   430,042 1,383 SH   SOLE   0 0 1,383
VANGUARD INDEX FDS VALUE ETF 922908744   332,380 2,223 SH   SOLE   0 0 2,223
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,265,480 7,476 SH   SOLE   0 0 7,476
VANGUARD INDEX FDS SMALL CP ETF 922908751   465,514 2,182 SH   SOLE   0 0 2,182
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,484,767 10,475 SH   SOLE   0 0 10,475
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   624,235 6,068 SH   SOLE   0 0 6,068
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   403,814 7,193 SH   SOLE   0 0 7,193
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   643,125 12,598 SH   SOLE   0 0 12,598
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,593,475 20,596 SH   SOLE   0 0 20,596
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,160,916 14,283 SH   SOLE   0 0 14,283
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   634,252 3,722 SH   SOLE   0 0 3,722
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   397,910 3,565 SH   SOLE   0 0 3,565
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   468,619 1,539 SH   SOLE   0 0 1,539
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   937,300 4,908 SH   SOLE   0 0 4,908
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,175,599 4,689 SH   SOLE   0 0 4,689
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,900,211 3,926 SH   SOLE   0 0 3,926
VANGUARD WORLD FDS UTILITIES ETF 92204A876   563,095 4,108 SH   SOLE   0 0 4,108