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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
AMAZON COM INC COM 023135106   1,097,169 5,001 SH   SOLE   0 0 5,001
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,448,923 11,348 SH   SOLE   0 0 11,348
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   5,395,240 27,997 SH   SOLE   0 0 27,997
PROCTER AND GAMBLE CO COM 742718109   273,003 1,714 SH   SOLE   0 0 1,714
NETFLIX INC COM 64110L106   202,209 151 SH   SOLE   0 0 151
ISHARES TR SHRT NAT MUN ETF 464288158   3,499,867 32,912 SH   SOLE   0 0 32,912
HOME DEPOT INC COM 437076102   212,651 580 SH   SOLE   0 0 580
AUTOMATIC DATA PROCESSING IN COM 053015103   285,887 927 SH   SOLE   0 0 927
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   423,529 17,329 SH   SOLE   0 0 17,329
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   338,096 696 SH   SOLE   0 0 696
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   227,529 2,862 SH   SOLE   0 0 2,862
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,294,808 39,735 SH   SOLE   0 0 39,735
ALPHABET INC CAP STK CL A 02079K305   201,431 1,143 SH   SOLE   0 0 1,143
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   3,243,476 76,156 SH   SOLE   0 0 76,156
MICROSOFT CORP COM 594918104   684,934 1,377 SH   SOLE   0 0 1,377
VANGUARD INDEX FDS SMALL CP ETF 922908751   562,828 2,375 SH   SOLE   0 0 2,375
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   210,098 7,593 SH   SOLE   0 0 7,593
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   22,099,504 38,906 SH   SOLE   0 0 38,906
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,242,291 2,193 SH   SOLE   0 0 2,193
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   5,843,609 32,154 SH   SOLE   0 0 32,154
ELI LILLY & CO COM 532457108   202,908 260 SH   SOLE   0 0 260
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   1,250,109 11,448 SH   SOLE   0 0 11,448
ISHARES TR RUSSELL 2000 ETF 464287655   1,385,803 6,422 SH   SOLE   0 0 6,422
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,129,778 118,105 SH   SOLE   0 0 118,105
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,821,949 36,538 SH   SOLE   0 0 36,538
VANGUARD INDEX FDS VALUE ETF 922908744   2,035,161 11,515 SH   SOLE   0 0 11,515
ISHARES TR CORE MSCI TOTAL 46432F834   2,410,643 31,182 SH   SOLE   0 0 31,182
ABBVIE INC COM 00287Y109   407,347 2,195 SH   SOLE   0 0 2,195
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   8,014,086 151,667 SH   SOLE   0 0 151,667
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   277,794 4,026 SH   SOLE   0 0 4,026
CHURCH & DWIGHT CO INC COM 171340102   202,696 2,109 SH   SOLE   0 0 2,109
VANGUARD MALVERN FDS CORE BD ETF 922020748   1,225,989 15,803 SH   SOLE   0 0 15,803
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738   813,908 8,258 SH   SOLE   0 0 8,258
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   4,110,768 143,482 SH   SOLE   0 0 143,482
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   2,409,509 98,187 SH   SOLE   0 0 98,187
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449   298,019 2,710 SH   SOLE   0 0 2,710
JPMORGAN CHASE & CO. COM 46625H100   311,073 1,073 SH   SOLE   0 0 1,073
ISHARES TR NATIONAL MUN ETF 464288414   2,275,116 21,776 SH   SOLE   0 0 21,776
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   18,100,274 317,493 SH   SOLE   0 0 317,493
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   219,925 4,805 SH   SOLE   0 0 4,805
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,223,808 85,398 SH   SOLE   0 0 85,398
ALPHABET INC CAP STK CL C 02079K107   234,155 1,320 SH   SOLE   0 0 1,320
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   774,439 10,654 SH   SOLE   0 0 10,654
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   5,135,647 65,256 SH   SOLE   0 0 65,256
EXXON MOBIL CORP COM 30231G102   242,981 2,254 SH   SOLE   0 0 2,254
APPLE INC COM 037833100   1,265,980 6,170 SH   SOLE   0 0 6,170
ABBOTT LABS COM 002824100   354,118 2,604 SH   SOLE   0 0 2,604
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   252,626 1,966 SH   SOLE   0 0 1,966