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
ABBOTT LABS COM 002824100 BBG001S5N9M6 315,901 2,870 SH   SOLE   0 0 2,870
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 420,744 2,715 SH   SOLE   0 0 2,715
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 3,086,031 22,092 SH   SOLE   0 0 22,092
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,718,757 19,292 SH   SOLE   0 0 19,292
AMAZON COM INC COM 023135106 BBG001S5PQL7 4,803,373 31,614 SH   SOLE   0 0 31,614
AMERICAN HOMES 4 RENT CL A 02665T306 BBG003NXJNJ4 340,829 9,478 SH   SOLE   0 0 9,478
AMGEN INC COM 031162100 BBG001S5NNL6 1,674,260 5,813 SH   SOLE   0 0 5,813
APPLE INC COM 037833100 BBG001S5N8V8 41,905,650 217,658 SH   SOLE   0 0 217,658
BIOGEN INC COM 09062X103 BBG001S67826 935,195 3,614 SH   SOLE   0 0 3,614
BOEING CO COM 097023105 BBG001S5P0V3 634,446 2,434 SH   SOLE   0 0 2,434
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 716,955 13,973 SH   SOLE   0 0 13,973
CENCORA INC COM 03073E105 BBG001S8X7P0 2,491,465 12,131 SH   SOLE   0 0 12,131
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 691,076 15,760 SH   SOLE   0 0 15,760
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 2,461,070 3,728 SH   SOLE   0 0 3,728
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 522,822 15,216 SH   SOLE   0 0 15,216
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 302,530 10,350 SH   SOLE   0 0 10,350
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 483,989 9,338 SH   SOLE   0 0 9,338
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 345,029 9,270 SH   SOLE   0 0 9,270
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 2,781,928 46,661 SH   SOLE   0 0 46,661
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 251,236 4,801 SH   SOLE   0 0 4,801
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 270,622 11,082 SH   SOLE   0 0 11,082
DISNEY WALT CO COM 254687106 BBG001S5QHF3 404,589 4,481 SH   SOLE   0 0 4,481
ELI LILLY & CO COM 532457108 BBG001S5STL8 3,106,964 5,330 SH   SOLE   0 0 5,330
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 BBG001SBT983 422,118 7,126 SH   SOLE   0 0 7,126
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 212,910 5,745 SH   SOLE   0 0 5,745
HALEON PLC SPON ADS 405552100 BBG018GZNDB0 94,686 11,505 SH   SOLE   0 0 11,505
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,505,962 4,346 SH   SOLE   0 0 4,346
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 783,896 3,738 SH   SOLE   0 0 3,738
INTEL CORP COM 458140100 BBG001S5SF65 311,450 6,198 SH   SOLE   0 0 6,198
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 1,697,649 10,380 SH   SOLE   0 0 10,380
INTUIT COM 461202103 BBG001S6TWR2 2,755,132 4,408 SH   SOLE   0 0 4,408
INVESCO EXCH TRD SLF IDX FD BULETSHS 2027 46138J585 BBG00Q5LFH79 4,373,389 195,509 SH   SOLE   0 0 195,509
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 BBG00Q5D6ZV0 1,875,196 101,116 SH   SOLE   0 0 101,116
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429 BBG012JBHCX8 180,647 11,005 SH   SOLE   0 0 11,005
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 BBG00KJR2GD3 9,237,538 442,305 SH   SOLE   0 0 442,305
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833 BBG00KJR2H78 10,099,251 444,607 SH   SOLE   0 0 444,607
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 10,543,533 515,450 SH   SOLE   0 0 515,450
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817 BBG00KXH4WB4 10,648,979 468,499 SH   SOLE   0 0 468,499
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 BBG00KJR2K35 9,876,994 511,761 SH   SOLE   0 0 511,761
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 BBG00KJR2L24 9,484,633 487,516 SH   SOLE   0 0 487,516
INVESCO EXCH TRD SLF IDX FD INVSCO 28 HYCORP 46138J452 BBG00X3HZJZ8 1,201,958 55,492 SH   SOLE   0 0 55,492
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 BBG00X3HYBX8 957,871 57,582 SH   SOLE   0 0 57,582
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635 BBG00LNJYDS0 10,226,049 442,112 SH   SOLE   0 0 442,112
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 BBG00LNJW5P2 9,262,713 456,741 SH   SOLE   0 0 456,741
INVESCO EXCHANGE TRADED FD T LEISURE AND ENTE 46137V720 BBG001SN68L9 686,476 16,372 SH   SOLE   0 0 16,372
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 2,912,822 18,459 SH   SOLE   0 0 18,459
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 4,382,679 10,702 SH   SOLE   0 0 10,702
ISHARES INC MSCI EQUAL WEITE 464286681 BBG001T8MYT8 11,142,009 131,952 SH   SOLE   0 0 131,952
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 1,427,865 14,000 SH   SOLE   0 0 14,000
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 472,788 6,721 SH   SOLE   0 0 6,721
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 15,010,648 54,161 SH   SOLE   0 0 54,161
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 10,565,889 97,606 SH   SOLE   0 0 97,606
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 5,093,818 48,407 SH   SOLE   0 0 48,407
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 48,110,175 100,727 SH   SOLE   0 0 100,727
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 1,870,505 18,846 SH   SOLE   0 0 18,846
ISHARES TR EUROPE ETF 464287861 BBG001SFGXD9 266,131 5,035 SH   SOLE   0 0 5,035
ISHARES TR EXPANDED TECH 464287515 BBG001S7W2J1 276,241 681 SH   SOLE   0 0 681
ISHARES TR GLOBAL TECH ETF 464287291 BBG001S60KQ0 751,480 11,022 SH   SOLE   0 0 11,022
ISHARES TR IBDS DEC28 ETF 46435U515 BBG00M0P3SC7 868,867 34,630 SH   SOLE   0 0 34,630
ISHARES TR IBONDS 2026 TERM 46436E528 BBG00Y1B7X63 728,142 31,769 SH   SOLE   0 0 31,769
ISHARES TR IBONDS 2027 TERM 46436E478 BBG011MMQW86 492,507 22,175 SH   SOLE   0 0 22,175
ISHARES TR IBONDS 24 TRM HG 46435U184 BBG00P3CTJ01 1,040,281 44,820 SH   SOLE   0 0 44,820
ISHARES TR IBONDS 25 TRM HG 46435U168 BBG00P3CSKH1 983,638 42,582 SH   SOLE   0 0 42,582
ISHARES TR IBONDS 27 ETF 46435UAA9 BBG00HPLJP02 1,038,557 43,400 SH   SOLE   0 0 43,400
ISHARES TR IBONDS DEC 2030 46436E726 BBG00VJHRTY3 2,319,613 107,191 SH   SOLE   0 0 107,191
ISHARES TR IBONDS DEC 2031 46436E486 BBG011HVQSJ9 926,850 44,624 SH   SOLE   0 0 44,624
ISHARES TR IBONDS DEC 29 46436E205 BBG00Q79F703 2,258,530 97,899 SH   SOLE   0 0 97,899
ISHARES TR IBONDS DEC2026 46435GAA0 BBG00DST7FD2 1,652,918 69,160 SH   SOLE   0 0 69,160
ISHARES TR IBONDS DEC24 ETF 46434VBG4 BBG0088JX0B3 1,788,982 71,818 SH   SOLE   0 0 71,818
ISHARES TR IBONDS DEC25 ETF 46434VBD1 BBG0088JX9H8 2,101,913 84,891 SH   SOLE   0 0 84,891
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 1,738,489 22,464 SH   SOLE   0 0 22,464
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 2,331,274 21,067 SH   SOLE   0 0 21,067
ISHARES TR INTL SEL DIV ETF 464288448 BBG001S7Y5C9 914,404 32,669 SH   SOLE   0 0 32,669
ISHARES TR ISHARES SEMICDTR 464287523 BBG001SJ8F58 704,570 1,223 SH   SOLE   0 0 1,223
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 7,394,485 98,135 SH   SOLE   0 0 98,135
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 325,870 8,104 SH   SOLE   0 0 8,104
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 459,509 14,733 SH   SOLE   0 0 14,733
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,414,421 4,665 SH   SOLE   0 0 4,665
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,637,887 6,494 SH   SOLE   0 0 6,494
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 771,805 9,929 SH   SOLE   0 0 9,929
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 872,932 4,349 SH   SOLE   0 0 4,349
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 12,931,315 172,188 SH   SOLE   0 0 172,188
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 17,843,044 102,611 SH   SOLE   0 0 102,611
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 2,341,326 29,555 SH   SOLE   0 0 29,555
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 5,305,215 46,521 SH   SOLE   0 0 46,521
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 1,703,043 13,609 SH   SOLE   0 0 13,609
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 4,590,935 39,165 SH   SOLE   0 0 39,165
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 6,421,882 62,306 SH   SOLE   0 0 62,306
ISHARES TR U.S. ENERGY ETF 464287796 BBG001SFGXW8 663,962 15,049 SH   SOLE   0 0 15,049
ISHARES TR U.S. FINLS ETF 464287788 BBG001SFC802 490,677 5,745 SH   SOLE   0 0 5,745
ISHARES U S ETF TR U.S. TECH INDEPD 46431W648 BBG00KDZS4F8 698,045 11,192 SH   SOLE   0 0 11,192
ISHARES U S ETF TR US CONSUMER FOC 46431W663 BBG00KDZR0N8 314,841 7,129 SH   SOLE   0 0 7,129
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,581,838 10,092 SH   SOLE   0 0 10,092
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,673,863 15,719 SH   SOLE   0 0 15,719
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 628,644 1,387 SH   SOLE   0 0 1,387
LOWES COS INC COM 548661107 BBG001S5SVL3 1,686,942 7,580 SH   SOLE   0 0 7,580
MCDONALDS CORP COM 580135101 BBG001S5T110 1,189,598 4,012 SH   SOLE   0 0 4,012
MERCK & CO INC COM 58933Y105 BBG001S5TC52 611,845 5,612 SH   SOLE   0 0 5,612
MICROSOFT CORP COM 594918104 BBG001S5TD05 4,717,970 12,546 SH   SOLE   0 0 12,546
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 253,978 3,507 SH   SOLE   0 0 3,507
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 311,493 629 SH   SOLE   0 0 629
OCCIDENTAL PETE CORP COM 674599105 BBG001S5TZG9 351,453 5,886 SH   SOLE   0 0 5,886
ORACLE CORP COM 68389X105 BBG001S5SJG6 467,371 4,433 SH   SOLE   0 0 4,433
PEPSICO INC COM 713448108 BBG001S695T1 317,859 1,872 SH   SOLE   0 0 1,872
PFIZER INC COM 717081103 BBG001S5V466 994,032 34,527 SH   SOLE   0 0 34,527
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 902,853 10,730 SH   SOLE   0 0 10,730
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 689,780 10,026 SH   SOLE   0 0 10,026
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 304,993 12,303 SH   SOLE   0 0 12,303
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 802,604 21,715 SH   SOLE   0 0 21,715
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 608,022 10,922 SH   SOLE   0 0 10,922
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 355,152 4,281 SH   SOLE   0 0 4,281
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 740,080 10,557 SH   SOLE   0 0 10,557
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,166,071 20,675 SH   SOLE   0 0 20,675
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 1,586,468 21,063 SH   SOLE   0 0 21,063
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,021,927 21,633 SH   SOLE   0 0 21,633
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 915,146 24,339 SH   SOLE   0 0 24,339
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 246,758 1,380 SH   SOLE   0 0 1,380
SNAP ON INC COM 833034101 BBG001S5W688 571,614 1,979 SH   SOLE   0 0 1,979
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 248,521 1,300 SH   SOLE   0 0 1,300
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,492,962 5,245 SH   SOLE   0 0 5,245
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 435,118 9,331 SH   SOLE   0 0 9,331
SPDR SER TR SPDR S&P 500 ETF 78468R796 BBG00BKMB118 375,176 9,667 SH   SOLE   0 0 9,667
STRYKER CORPORATION COM 863667101 BBG001S8FR03 281,193 939 SH   SOLE   0 0 939
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 341,074 1,139 SH   SOLE   0 0 1,139
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 432,952 4,365 SH   SOLE   0 0 4,365
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 362,952 1,168 SH   SOLE   0 0 1,168
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 4,078,222 18,695 SH   SOLE   0 0 18,695
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,575,171 6,771 SH   SOLE   0 0 6,771
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 332,780 3,766 SH   SOLE   0 0 3,766
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 626,139 1,433 SH   SOLE   0 0 1,433
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,352,240 6,339 SH   SOLE   0 0 6,339
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 5,294,975 22,321 SH   SOLE   0 0 22,321
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 609,252 4,075 SH   SOLE   0 0 4,075
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 1,347,217 23,997 SH   SOLE   0 0 23,997
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 223,963 1,947 SH   SOLE   0 0 1,947
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 2,051,581 19,942 SH   SOLE   0 0 19,942
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 3,049,688 63,668 SH   SOLE   0 0 63,668
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 261,360 540 SH   SOLE   0 0 540
WALMART INC COM 931142103 BBG001S5XH92 496,403 3,149 SH   SOLE   0 0 3,149
WNS HLDGS LTD SPON ADR 92932M101 BBG001SBK8N7 214,438 3,393 SH   SOLE   0 0 3,393
YUM BRANDS INC COM 988498101 BBG001S7JQ30 647,682 4,957 SH   SOLE   0 0 4,957
YUM CHINA HLDGS INC COM 98850P109 BBG00B8N0HH0 201,840 4,757 SH   SOLE   0 0 4,757
ZIMMER BIOMET HOLDINGS INC COM 98956P102 BBG001S7DQJ9 337,961 2,777 SH   SOLE   0 0 2,777
ZIONS BANCORPORATION N A COM 989701107 BBG001S5XN80 941,582 21,463 SH   SOLE   0 0 21,463