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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hours per response: 23.8
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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 268,655 1,780 SH   SOLE   0 0 1,780
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 595,337 3,910 SH   SOLE   0 0 3,910
AMAZON COM INC COM 023135106 BBG001S5PQL7 754,710 4,184 SH   SOLE   0 0 4,184
APPLE INC COM 037833100 BBG001S5N8V8 5,160,437 30,094 SH   SOLE   0 0 30,094
AT&T INC COM 00206R102 BBG001S5VWH2 474,464 26,958 SH   SOLE   0 0 26,958
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 376,508 9,929 SH   SOLE   0 0 9,929
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 383,308 2,430 SH   SOLE   0 0 2,430
CISCO SYS INC COM 17275R102 BBG001S6HC62 307,296 6,157 SH   SOLE   0 0 6,157
COCA COLA CONS INC COM 191098102 BBG001S5Q0W1 484,423 7,918 SH   SOLE   0 0 7,918
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 259,151 2,878 SH   SOLE   0 0 2,878
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 253,992 347 SH   SOLE   0 0 347
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 325,983 5,721 SH   SOLE   0 0 5,721
DISNEY WALT CO COM 254687106 BBG001S5QHF3 280,327 2,291 SH   SOLE   0 0 2,291
HERSHEY CO COM 427866108 BBG001S5S148 213,950 1,100 SH   SOLE   0 0 1,100
HOME DEPOT INC COM 437076102 BBG001S5RTW7 280,412 731 SH   SOLE   0 0 731
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 396,665 2,077 SH   SOLE   0 0 2,077
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 BBG001T06LF6 4,600,624 224,859 SH   SOLE   0 0 224,859
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 BBG001T0NSF2 4,172,509 230,144 SH   SOLE   0 0 230,144
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 1,193,944 7,049 SH   SOLE   0 0 7,049
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 872,302 1,965 SH   SOLE   0 0 1,965
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 3,755,444 72,780 SH   SOLE   0 0 72,780
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 4,462,048 104,866 SH   SOLE   0 0 104,866
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 324,928 3,973 SH   SOLE   0 0 3,973
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 956,885 16,481 SH   SOLE   0 0 16,481
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 5,951,418 80,186 SH   SOLE   0 0 80,186
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 4,044,234 66,583 SH   SOLE   0 0 66,583
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 3,909,051 35,370 SH   SOLE   0 0 35,370
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 2,235,461 19,388 SH   SOLE   0 0 19,388
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 16,429,169 31,250 SH   SOLE   0 0 31,250
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 6,657,088 67,971 SH   SOLE   0 0 67,971
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 11,791,475 230,934 SH   SOLE   0 0 230,934
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 13,914,311 179,008 SH   SOLE   0 0 179,008
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 2,458,243 22,569 SH   SOLE   0 0 22,569
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 9,340,582 104,166 SH   SOLE   0 0 104,166
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 6,128,035 56,952 SH   SOLE   0 0 56,952
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 2,182,062 6,474 SH   SOLE   0 0 6,474
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 421,446 2,353 SH   SOLE   0 0 2,353
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,002,411 6,337 SH   SOLE   0 0 6,337
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 999,697 4,991 SH   SOLE   0 0 4,991
LAS VEGAS SANDS CORP COM 517834107 BBG001SJCGP9 325,710 6,300 SH   SOLE   0 0 6,300
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,233,733 9,350 SH   SOLE   0 0 9,350
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 588,037 1,211 SH   SOLE   0 0 1,211
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,365,250 5,622 SH   SOLE   0 0 5,622
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 257,630 4,031 SH   SOLE   0 0 4,031
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 612,120 677 SH   SOLE   0 0 677
PIMCO ETF TR INV GRD CRP BD 72201R817 BBG001TCGQY7 8,468,342 88,166 SH   SOLE   0 0 88,166
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 227,475 1,402 SH   SOLE   0 0 1,402
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 217,169 3,252 SH   SOLE   0 0 3,252
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 12,756,298 505,200 SH   SOLE   0 0 505,200
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 16,239,581 416,186 SH   SOLE   0 0 416,186
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 1,010,250 20,955 SH   SOLE   0 0 20,955
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 23,816,833 517,757 SH   SOLE   0 0 517,757
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 10,176,601 166,693 SH   SOLE   0 0 166,693
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 5,602,936 69,489 SH   SOLE   0 0 69,489
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 2,350,637 25,352 SH   SOLE   0 0 25,352
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 617,110 8,122 SH   SOLE   0 0 8,122
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 48,142,772 775,746 SH   SOLE   0 0 775,746
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 11,120,076 136,560 SH   SOLE   0 0 136,560
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 10,523,390 213,716 SH   SOLE   0 0 213,716
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 3,562,747 99,407 SH   SOLE   0 0 99,407
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 3,559,178 98,347 SH   SOLE   0 0 98,347
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 434,148 830 SH   SOLE   0 0 830
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 22,062,067 715,604 SH   SOLE   0 0 715,604
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 5,208,363 112,056 SH   SOLE   0 0 112,056
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,545,502 24,092 SH   SOLE   0 0 24,092
SPDR SER TR PORTFOLIO AGRGTE 78464A649 BBG001STKD11 7,429,034 293,870 SH   SOLE   0 0 293,870
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 3,011,926 92,136 SH   SOLE   0 0 92,136
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 2,179,419 40,859 SH   SOLE   0 0 40,859
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 9,761,181 158,641 SH   SOLE   0 0 158,641
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 2,038,460 47,362 SH   SOLE   0 0 47,362
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 1,280,085 31,444 SH   SOLE   0 0 31,444
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 650,911 1,891 SH   SOLE   0 0 1,891
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 355,405 739 SH   SOLE   0 0 739
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 736,147 2,832 SH   SOLE   0 0 2,832
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 435,813 2,676 SH   SOLE   0 0 2,676
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 228,809 3,901 SH   SOLE   0 0 3,901
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 286,189 2,590 SH   SOLE   0 0 2,590
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 509,611 2,791 SH   SOLE   0 0 2,791
VISA INC COM CL A 92826C839 BBG001SRCFY3 205,124 735 SH   SOLE   0 0 735