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
Estimated average burden
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 213,066 1,780 SH   SOLE   0 0 1,780
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 244,359 2,020 SH   SOLE   0 0 2,020
AMAZON COM INC COM 023135106 BBG001S5PQL7 383,128 2,939 SH   SOLE   0 0 2,939
APPLE INC COM 037833100 BBG001S5N8V8 5,698,596 29,379 SH   SOLE   0 0 29,379
AT&T INC COM 00206R102 BBG001S5VWH2 417,929 26,202 SH   SOLE   0 0 26,202
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 288,076 10,041 SH   SOLE   0 0 10,041
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 401,085 2,549 SH   SOLE   0 0 2,549
CISCO SYS INC COM 17275R102 BBG001S6HC62 322,030 6,224 SH   SOLE   0 0 6,224
COCA COLA CONS INC COM 191098102 BBG001S5Q0W1 476,822 7,918 SH   SOLE   0 0 7,918
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 263,994 3,427 SH   SOLE   0 0 3,427
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 475,002 9,863 SH   SOLE   0 0 9,863
DISNEY WALT CO COM 254687106 BBG001S5QHF3 221,147 2,477 SH   SOLE   0 0 2,477
HERSHEY CO COM 427866108 BBG001S5S148 274,670 1,100 SH   SOLE   0 0 1,100
HOME DEPOT INC COM 437076102 BBG001S5RTW7 227,078 731 SH   SOLE   0 0 731
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 BBG001T06LF6 4,152,584 213,062 SH   SOLE   0 0 213,062
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 BBG001T0NSF2 13,456,036 769,796 SH   SOLE   0 0 769,796
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 1,146,981 7,665 SH   SOLE   0 0 7,665
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 749,775 2,030 SH   SOLE   0 0 2,030
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 2,707,379 54,928 SH   SOLE   0 0 54,928
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 4,338,820 104,676 SH   SOLE   0 0 104,676
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 465,399 5,740 SH   SOLE   0 0 5,740
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 500,490 9,713 SH   SOLE   0 0 9,713
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 4,674,854 69,257 SH   SOLE   0 0 69,257
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 3,219,392 12,312 SH   SOLE   0 0 12,312
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 3,098,008 31,089 SH   SOLE   0 0 31,089
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 1,664,225 17,010 SH   SOLE   0 0 17,010
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 12,066,335 27,072 SH   SOLE   0 0 27,072
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 4,781,454 48,815 SH   SOLE   0 0 48,815
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 10,205,142 200,810 SH   SOLE   0 0 200,810
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 4,254,537 56,674 SH   SOLE   0 0 56,674
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,937,346 17,915 SH   SOLE   0 0 17,915
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 8,881,557 102,630 SH   SOLE   0 0 102,630
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 4,068,548 38,120 SH   SOLE   0 0 38,120
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,854,163 6,738 SH   SOLE   0 0 6,738
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 396,469 2,512 SH   SOLE   0 0 2,512
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 260,274 1,257 SH   SOLE   0 0 1,257
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 984,398 5,947 SH   SOLE   0 0 5,947
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 725,891 4,991 SH   SOLE   0 0 4,991
LAS VEGAS SANDS CORP COM 517834107 BBG001SJCGP9 365,400 6,300 SH   SOLE   0 0 6,300
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,021,317 8,851 SH   SOLE   0 0 8,851
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 369,056 1,286 SH   SOLE   0 0 1,286
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,531,574 4,497 SH   SOLE   0 0 4,497
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 257,168 3,466 SH   SOLE   0 0 3,466
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 279,782 661 SH   SOLE   0 0 661
PIMCO ETF TR INV GRD CRP BD 72201R817 BBG001TCGQY7 8,255,690 87,039 SH   SOLE   0 0 87,039
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 212,739 1,402 SH   SOLE   0 0 1,402
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 203,608 3,252 SH   SOLE   0 0 3,252
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 11,920,975 484,002 SH   SOLE   0 0 484,002
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 15,815,359 443,629 SH   SOLE   0 0 443,629
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 1,896,217 39,455 SH   SOLE   0 0 39,455
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 23,376,354 506,420 SH   SOLE   0 0 506,420
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 9,314,191 180,158 SH   SOLE   0 0 180,158
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 4,175,403 57,497 SH   SOLE   0 0 57,497
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 1,919,320 25,608 SH   SOLE   0 0 25,608
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 544,301 8,113 SH   SOLE   0 0 8,113
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 43,252,351 825,899 SH   SOLE   0 0 825,899
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 10,279,828 144,725 SH   SOLE   0 0 144,725
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 10,087,864 230,317 SH   SOLE   0 0 230,317
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 3,622,743 111,332 SH   SOLE   0 0 111,332
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 3,462,238 100,705 SH   SOLE   0 0 100,705
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 21,170,127 689,805 SH   SOLE   0 0 689,805
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 6,899,166 149,462 SH   SOLE   0 0 149,462
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,425,838 26,191 SH   SOLE   0 0 26,191
SPDR SER TR PORTFOLIO AGRGTE 78464A649 BBG001STKD11 6,525,849 257,227 SH   SOLE   0 0 257,227
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 2,634,369 82,042 SH   SOLE   0 0 82,042
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 1,961,109 42,735 SH   SOLE   0 0 42,735
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 8,661,933 166,224 SH   SOLE   0 0 166,224
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 1,938,155 49,901 SH   SOLE   0 0 49,901
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 371,189 12,893 SH   SOLE   0 0 12,893
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 901,341 24,308 SH   SOLE   0 0 24,308
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 522,760 1,847 SH   SOLE   0 0 1,847
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 255,907 628 SH   SOLE   0 0 628
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 637,979 2,896 SH   SOLE   0 0 2,896
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 379,549 2,671 SH   SOLE   0 0 2,671
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 233,357 4,289 SH   SOLE   0 0 4,289
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 251,129 2,589 SH   SOLE   0 0 2,589
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 453,295 2,791 SH   SOLE   0 0 2,791