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
ADOBE INC COM 00724F101 BBG001S5NCQ5 227,070 450 SH   SOLE   0 0 450
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,973,410 13,075 SH   SOLE   0 0 13,075
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,300,300 8,540 SH   SOLE   0 0 8,540
APPLE INC COM 037833100 BBG001S5N8V8 794,480 4,633 SH   SOLE   0 0 4,633
ASTRAZENECA PLC SPONSORED ADR 046353108 BBG001SB80N8 220,865 3,260 SH   SOLE   0 0 3,260
CAPITAL GROUP DIVIDEND GROWE SHS ETF 14021L109 BBG01J9W2L17 1,003,081 35,036 SH   SOLE   0 0 35,036
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 BBG015H8BXT5 2,054,080 63,202 SH   SOLE   0 0 63,202
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 BBG014YZRRT5 468,685 20,868 SH   SOLE   0 0 20,868
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201 BBG019XRCM29 10,061,756 372,520 SH   SOLE   0 0 372,520
CAPITAL GRP FIXED INCM ETF T SHORT DURATION M 14020Y607 BBG01J5S8NT0 553,665 21,535 SH   SOLE   0 0 21,535
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 BBG019XS8NR3 1,393,714 51,543 SH   SOLE   0 0 51,543
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 407,620 9,403 SH   SOLE   0 0 9,403
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 242,128 2,083 SH   SOLE   0 0 2,083
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 759,456 10,368 SH   SOLE   0 0 10,368
INNOVATOR ETFS TRUST EMRGNG MKT APRIL 45782C359 BBG00SXJPRZ5 202,211 8,053 SH   SOLE   0 0 8,053
INNOVATOR ETFS TRUST EMRGNG MKT JAN 45782C516 BBG00R878QK8 681,711 23,556 SH   SOLE   0 0 23,556
INNOVATOR ETFS TRUST EMRGNG MKT JULY 45782C714 BBG00PLZ0MN9 759,882 31,925 SH   SOLE   0 0 31,925
INNOVATOR ETFS TRUST GRWT100 PWR BF 45782C334 BBG00SXJYPC4 593,632 13,044 SH   SOLE   0 0 13,044
INNOVATOR ETFS TRUST GRWT100 PWR BF 45782C466 BBG00R879TP6 258,778 5,938 SH   SOLE   0 0 5,938
INNOVATOR ETFS TRUST GRWT100 PWR BUF 45782C276 BBG00VSHC6L3 749,150 12,995 SH   SOLE   0 0 12,995
INNOVATOR ETFS TRUST GRWT100 PWR BUF 45782C615 BBG00QFP06T5 1,915,832 40,271 SH   SOLE   0 0 40,271
INNOVATOR ETFS TRUST INTERNATIONAL DV 45782C631 BBG012S32N86 643,354 22,246 SH   SOLE   0 0 22,246
INNOVATOR ETFS TRUST INTRNL DEV APRL 45782C367 BBG00SXJN914 296,995 10,935 SH   SOLE   0 0 10,935
INNOVATOR ETFS TRUST INTRNL DEV JAN 45782C524 BBG00R877XM2 596,574 19,069 SH   SOLE   0 0 19,069
INNOVATOR ETFS TRUST INTRNL DEV JULY 45782C722 BBG00PLYT1X6 510,178 18,085 SH   SOLE   0 0 18,085
INNOVATOR ETFS TRUST QUITY MANAGD FLR 45783Y673 BBG01B90HFN7 1,167,689 38,910 SH   SOLE   0 0 38,910
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870 BBG00NR9QB16 1,085,091 32,304 SH   SOLE   0 0 32,304
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680 BBG00PVP39R2 1,068,476 30,200 SH   SOLE   0 0 30,200
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813 BBG00LNDTJL3 1,884,568 49,620 SH   SOLE   0 0 49,620
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417 BBG00RHZ5CR3 427,991 12,529 SH   SOLE   0 0 12,529
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540 BBG00QYND1G0 2,346,505 64,116 SH   SOLE   0 0 64,116
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748 BBG00PBD6H63 374,542 10,850 SH   SOLE   0 0 10,850
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C797 BBG00M4NZTF8 3,776,105 100,723 SH   SOLE   0 0 100,723
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573 BBG00QPZ1F93 3,397,762 95,577 SH   SOLE   0 0 95,577
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 BBG00MYXKL20 475,890 12,168 SH   SOLE   0 0 12,168
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318 BBG00TGM5Q16 1,748,656 53,854 SH   SOLE   0 0 53,854
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656 BBG00Q4028Q9 3,047,057 83,481 SH   SOLE   0 0 83,481
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C383 BBG00S1NDLX9 395,523 10,745 SH   SOLE   0 0 10,745
INNOVATOR ETFS TRUST US SML CP PWR B 45782C284 BBG00VSHFQQ1 1,210,051 43,093 SH   SOLE   0 0 43,093
INNOVATOR ETFS TRUST US SML CP PWR B 45782C599 BBG00QFNSZH9 228,009 8,010 SH   SOLE   0 0 8,010
INNOVATOR ETFS TRUST US SML CP PWR ET 45782C342 BBG00SXJYJL8 954,150 30,621 SH   SOLE   0 0 30,621
INTERCONTINENTAL EXCHANGE IN COM 45866F104 BBG001SDJ4R0 1,322,351 9,622 SH   SOLE   0 0 9,622
INVESCO ACTIVELY MANAGED ETF AAA CLO FLTNG RT 46090A721 BBG01BTTD0X8 1,582,826 61,805 SH   SOLE   0 0 61,805
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 606,287 15,760 SH   SOLE   0 0 15,760
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 325,529 1,922 SH   SOLE   0 0 1,922
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 3,275,656 53,929 SH   SOLE   0 0 53,929
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,826,258 16,524 SH   SOLE   0 0 16,524
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,531,784 10,522 SH   SOLE   0 0 10,522
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 253,919 2,593 SH   SOLE   0 0 2,593
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,269,424 12,231 SH   SOLE   0 0 12,231
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 331,179 4,147 SH   SOLE   0 0 4,147
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 9,422,063 57,329 SH   SOLE   0 0 57,329
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 589,540 5,479 SH   SOLE   0 0 5,479
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 393,052 3,753 SH   SOLE   0 0 3,753
PACER FDS TR US CASH COWS 100 69374H881 BBG00FJQN752 568,897 9,790 SH   SOLE   0 0 9,790
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 1,168,517 17,340 SH   SOLE   0 0 17,340
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 1,522,101 31,572 SH   SOLE   0 0 31,572
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 3,232,992 40,097 SH   SOLE   0 0 40,097
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 18,880,698 304,233 SH   SOLE   0 0 304,233
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 9,174,159 112,663 SH   SOLE   0 0 112,663
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,247,814 25,341 SH   SOLE   0 0 25,341
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 7,947,321 109,422 SH   SOLE   0 0 109,422
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 236,529 4,808 SH   SOLE   0 0 4,808
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 203,138 1,159 SH   SOLE   0 0 1,159
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 405,123 1,177 SH   SOLE   0 0 1,177
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 204,584 2,366 SH   SOLE   0 0 2,366
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 808,795 3,112 SH   SOLE   0 0 3,112
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 316,968 3,937 SH   SOLE   0 0 3,937
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 305,529 3,952 SH   SOLE   0 0 3,952
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 403,014 6,683 SH   SOLE   0 0 6,683
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,825,447 136,046 SH   SOLE   0 0 136,046