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
APPLE INC COM 037833100 BBG001S5N8V8 323,224 1,885 SH   SOLE   0 0 1,885
AT&T INC COM 00206R102 BBG001S5VWH2 1,622,192 92,170 SH   SOLE   0 0 92,170
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 127,252,896 2,808,495 SH   SOLE   0 0 2,808,495
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 BBG00JGMYXN7 16,441,127 423,304 SH   SOLE   0 0 423,304
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 238,112 536 SH   SOLE   0 0 536
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 209,484 3,087 SH   SOLE   0 0 3,087
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 89,817,606 1,478,723 SH   SOLE   0 0 1,478,723
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 49,926,804 451,745 SH   SOLE   0 0 451,745
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 255,969,668 486,884 SH   SOLE   0 0 486,884
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 3,696,060 37,738 SH   SOLE   0 0 37,738
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 227,195,700 788,792 SH   SOLE   0 0 788,792
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 432,435 1,283 SH   SOLE   0 0 1,283
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 269,381 1,504 SH   SOLE   0 0 1,504
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 12,480,211 59,345 SH   SOLE   0 0 59,345
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 116,203,518 2,491,232 SH   SOLE   0 0 2,491,232
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 66,333,541 1,314,837 SH   SOLE   0 0 1,314,837
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 BBG00HXSKY16 186,638,490 3,683,412 SH   SOLE   0 0 3,683,412
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 542,340 11,790 SH   SOLE   0 0 11,790
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 878,998 14,398 SH   SOLE   0 0 14,398
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 50,191,894 808,764 SH   SOLE   0 0 808,764
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 109,759,003 1,347,894 SH   SOLE   0 0 1,347,894
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 27,603,247 560,586 SH   SOLE   0 0 560,586
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 5,319,342 10,169 SH   SOLE   0 0 10,169
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 7,016,001 26,995 SH   SOLE   0 0 26,995
WARNER BROS DISCOVERY INC COM SER A 934423104 BBG011386VG3 197,673 22,643 SH   SOLE   0 0 22,643