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
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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
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 124,609,263 2,706,544 SH   SOLE   0 0 2,706,544
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 BBG00JGMYXN7 16,175,871 415,405 SH   SOLE   0 0 415,405
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 222,369 543 SH   SOLE   0 0 543
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 214,009 3,296 SH   SOLE   0 0 3,296
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 86,302,582 311,393 SH   SOLE   0 0 311,393
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 47,225,371 436,262 SH   SOLE   0 0 436,262
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 659,392 1,381 SH   SOLE   0 0 1,381
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 3,745,497 37,738 SH   SOLE   0 0 37,738
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 209,105,506 797,321 SH   SOLE   0 0 797,321
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 437,777 1,444 SH   SOLE   0 0 1,444
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 248,536 1,504 SH   SOLE   0 0 1,504
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 12,056,409 60,069 SH   SOLE   0 0 60,069
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 109,053,828 2,316,105 SH   SOLE   0 0 2,316,105
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 63,391,442 1,262,024 SH   SOLE   0 0 1,262,024
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 BBG00HXSKY16 396,759,000 8,613,960 SH   SOLE   0 0 8,613,960
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 603,216 12,939 SH   SOLE   0 0 12,939
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 885,487 15,906 SH   SOLE   0 0 15,906
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 48,409,248 858,320 SH   SOLE   0 0 858,320
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 105,544,680 1,401,284 SH   SOLE   0 0 1,401,284
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 26,766,540 566,608 SH   SOLE   0 0 566,608
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 4,075,783 8,575 SH   SOLE   0 0 8,575
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 6,403,754 26,995 SH   SOLE   0 0 26,995