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
ADOBE INC COM 00724F101 BBG001S5NCQ5 229,455 450 SH   SOLE   0 0 450
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,777,079 13,580 SH   SOLE   0 0 13,580
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,144,458 8,680 SH   SOLE   0 0 8,680
APPLE INC COM 037833100 BBG001S5N8V8 793,183 4,633 SH   SOLE   0 0 4,633
BNY MELLON ETF TRUST CORE BOND ETF 09661T602 BBG00RYR57H4 431,157 10,700 SH   SOLE   0 0 10,700
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 BBG015H8BXT5 1,463,101 55,274 SH   SOLE   0 0 55,274
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 BBG014YZRRT5 448,105 20,842 SH   SOLE   0 0 20,842
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201 BBG019XRCM29 9,452,153 367,788 SH   SOLE   0 0 367,788
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 BBG019XS8NR3 1,283,528 50,285 SH   SOLE   0 0 50,285
ENDAVA PLC ADS 29260V105 BBG00LBLBCB3 297,417 5,186 SH   SOLE   0 0 5,186
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 247,271 2,103 SH   SOLE   0 0 2,103
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 776,978 10,368 SH   SOLE   0 0 10,368
INNOVATOR ETFS TR EMERGING MKT PWR 45782C623 BBG012S334Q7 595,421 26,517 SH   SOLE   0 0 26,517
INNOVATOR ETFS TR EMRGNG MKT APRIL 45782C359 BBG00SXJPRZ5 225,765 9,384 SH   SOLE   0 0 9,384
INNOVATOR ETFS TR EMRGNG MKT JAN 45782C516 BBG00R878QK8 783,184 28,603 SH   SOLE   0 0 28,603
INNOVATOR ETFS TR EMRGNG MKT JULY 45782C714 BBG00PLZ0MN9 1,106,502 49,156 SH   SOLE   0 0 49,156
INNOVATOR ETFS TR GRWT100 PWR BF 45782C334 BBG00SXJYPC4 653,219 15,620 SH   SOLE   0 0 15,620
INNOVATOR ETFS TR GRWT100 PWR BF 45782C466 BBG00R879TP6 205,404 5,062 SH   SOLE   0 0 5,062
INNOVATOR ETFS TR GRWT100 PWR BUF 45782C276 BBG00VSHC6L3 660,146 12,995 SH   SOLE   0 0 12,995
INNOVATOR ETFS TR GRWT100 PWR BUF 45782C615 BBG00QFP06T5 1,712,061 40,271 SH   SOLE   0 0 40,271
INNOVATOR ETFS TR INTERNATIONAL DV 45782C631 BBG012S32N86 583,958 22,246 SH   SOLE   0 0 22,246
INNOVATOR ETFS TR INTRNL DEV APRL 45782C367 BBG00SXJN914 361,583 14,975 SH   SOLE   0 0 14,975
INNOVATOR ETFS TR INTRNL DEV JAN 45782C524 BBG00R877XM2 531,213 19,069 SH   SOLE   0 0 19,069
INNOVATOR ETFS TR INTRNL DEV JULY 45782C722 BBG00PLYT1X6 460,444 18,085 SH   SOLE   0 0 18,085
INNOVATOR ETFS TR QUITY MANAGD FLR 45783Y673 BBG01B90HFN7 997,263 38,910 SH   SOLE   0 0 38,910
INNOVATOR ETFS TR US EQT PWR BUF 45782C870 BBG00NR9QB16 988,825 32,304 SH   SOLE   0 0 32,304
INNOVATOR ETFS TR US EQTY PWR BF 45782C680 BBG00PVP39R2 2,068,303 66,612 SH   SOLE   0 0 66,612
INNOVATOR ETFS TR US EQTY PWR BUF 45782C573 BBG00QPZ1F93 3,198,919 96,761 SH   SOLE   0 0 96,761
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748 BBG00PBD6H63 339,714 10,850 SH   SOLE   0 0 10,850
INNOVATOR ETFS TR US EQTY PWR BUF 45782C656 BBG00Q4028Q9 2,704,784 83,481 SH   SOLE   0 0 83,481
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 BBG00MYXKL20 393,475 11,308 SH   SOLE   0 0 11,308
INNOVATOR ETFS TR US EQTY PWR BUF 45782C813 BBG00LNDTJL3 1,672,194 49,620 SH   SOLE   0 0 49,620
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540 BBG00QYND1G0 2,099,743 64,887 SH   SOLE   0 0 64,887
INNOVATOR ETFS TR US EQTY PWR BUF 45782C383 BBG00S1NDLX9 359,850 10,745 SH   SOLE   0 0 10,745
INNOVATOR ETFS TR US EQTY PWR BUF 45782C797 BBG00M4NZTF8 3,425,341 100,864 SH   SOLE   0 0 100,864
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318 BBG00TGM5Q16 1,743,422 59,059 SH   SOLE   0 0 59,059
INNOVATOR ETFS TR US EQTY PWR BUF 45782C417 BBG00RHZ5CR3 313,307 10,287 SH   SOLE   0 0 10,287
INNOVATOR ETFS TR US SML CP PWR B 45782C599 BBG00QFNSZH9 205,697 8,010 SH   SOLE   0 0 8,010
INNOVATOR ETFS TR US SML CP PWR B 45782C284 BBG00VSHFQQ1 931,294 37,222 SH   SOLE   0 0 37,222
INNOVATOR ETFS TR US SML CP PWR ET 45782C342 BBG00SXJYJL8 965,167 36,081 SH   SOLE   0 0 36,081
INTERCONTINENTAL EXCHANGE IN COM 45866F104 BBG001SDJ4R0 1,125,175 10,227 SH   SOLE   0 0 10,227
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 501,483 15,760 SH   SOLE   0 0 15,760
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 272,328 1,922 SH   SOLE   0 0 1,922
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,450,469 5,817 SH   SOLE   0 0 5,817
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,450,890 15,381 SH   SOLE   0 0 15,381
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,452,475 5,711 SH   SOLE   0 0 5,711
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,198,880 13,892 SH   SOLE   0 0 13,892
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 306,487 4,447 SH   SOLE   0 0 4,447
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 8,559,185 64,946 SH   SOLE   0 0 64,946
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 268,655 2,620 SH   SOLE   0 0 2,620
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 212,406 2,065 SH   SOLE   0 0 2,065
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 520,740 10,377 SH   SOLE   0 0 10,377
PACER FDS TR US CASH COWS 100 69374H881 BBG00FJQN752 949,402 19,207 SH   SOLE   0 0 19,207
PFIZER INC COM 717081103 BBG001S5V466 204,161 6,155 SH   SOLE   0 0 6,155
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 966,321 17,265 SH   SOLE   0 0 17,265
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 1,724,547 36,011 SH   SOLE   0 0 36,011
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 1,669,816 23,598 SH   SOLE   0 0 23,598
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 17,862,713 353,018 SH   SOLE   0 0 353,018
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 8,965,547 132,470 SH   SOLE   0 0 132,470
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,297,489 31,325 SH   SOLE   0 0 31,325
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 6,613,619 94,778 SH   SOLE   0 0 94,778
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 208,921 4,368 SH   SOLE   0 0 4,368
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 320,509 1,177 SH   SOLE   0 0 1,177
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 652,791 3,073 SH   SOLE   0 0 3,073
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 891,929 11,739 SH   SOLE   0 0 11,739
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 467,658 6,223 SH   SOLE   0 0 6,223
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 5,788,107 132,390 SH   SOLE   0 0 132,390