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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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
ISHARES TR CORE S&P500 ETF 464287200   50,946,611 106,665 SH   SOLE   0 0 106,665
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   43,813,172 776,829 SH   SOLE   0 0 776,829
ISHARES TR FLTG RATE NT ETF 46429B655   29,741,371 587,542 SH   SOLE   0 0 587,542
ISHARES TR CORE US AGGBD ET 464287226   28,699,565 289,164 SH   SOLE   0 0 289,164
ISHARES TR IBOXX HI YD ETF 464288513   25,489,831 329,369 SH   SOLE   0 0 329,369
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   24,432,830 524,085 SH   SOLE   0 0 524,085
SPDR SER TR BLOMBERG BRC INV 78468R200   24,007,094 784,802 SH   SOLE   0 0 784,802
ISHARES TR CORE MSCI EAFE 46432F842   20,393,345 289,884 SH   SOLE   0 0 289,884
ISHARES TR JPMORGAN USD EMG 464288281   18,255,481 204,980 SH   SOLE   0 0 204,980
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   15,457,082 418,211 SH   SOLE   0 0 418,211
ISHARES TR CORE S&P SCP ETF 464287804   15,180,223 140,233 SH   SOLE   0 0 140,233
ISHARES TR CORE MSCI EMKT 46434G103   14,963,588 295,840 SH   SOLE   0 0 295,840
ISHARES TR CORE S&P MCP ETF 464287507   14,717,945 53,105 SH   SOLE   0 0 53,105
ISHARES TR NATIONAL MUN ETF 464288414   12,779,262 117,879 SH   SOLE   0 0 117,879
SPDR TR S&P 500 ETF TR TR UNIT 78462F103   12,748,944 26,822 SH   SOLE   0 0 26,822
APPLE INC COM 037833100   12,456,357 64,698 SH   SOLE   0 0 64,698
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   11,971,733 482,926 SH   SOLE   0 0 482,926
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,615,114 224,706 SH   SOLE   0 0 224,706
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   10,582,633 189,314 SH   SOLE   0 0 189,314
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   10,551,208 140,085 SH   SOLE   0 0 140,085
ISHARES TR IBOXX INV CP ETF 464287242   10,051,244 90,830 SH   SOLE   0 0 90,830
ISHARES TR CORE S&P TTL STK 464287150   9,808,892 93,214 SH   SOLE   0 0 93,214
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   9,561,677 372,920 SH   SOLE   0 0 372,920
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,487,592 170,426 SH   SOLE   0 0 170,426
PIMCO ETF TR INV GRD CRP BD 72201R817   8,543,557 87,842 SH   SOLE   0 0 87,842
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,938,159 204,003 SH   SOLE   0 0 204,003
ISHARES TR 0-5YR HI YL CP 46434V407   6,827,744 161,718 SH   SOLE   0 0 161,718
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   6,032,184 170,353 SH   SOLE   0 0 170,353
SPDR SER TR NUVEEN BRC MUNIC 78468R721   5,709,936 121,488 SH   SOLE   0 0 121,488
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   5,295,365 256,807 SH   SOLE   0 0 256,807
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   4,881,989 148,705 SH   SOLE   0 0 148,705
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,355,487 57,211 SH   SOLE   0 0 57,211
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719   4,080,643 225,077 SH   SOLE   0 0 225,077
MICROSOFT CORP COM 594918104   4,031,818 10,722 SH   SOLE   0 0 10,722
ISHARES TR CORE DIV GRWTH 46434V621   4,030,875 74,895 SH   SOLE   0 0 74,895
ISHARES TR RUS 1000 GRW ETF 464287614   2,871,701 9,472 SH   SOLE   0 0 9,472
ISHARES TR 1 3 YR TREAS BD 464287457   2,581,949 31,472 SH   SOLE   0 0 31,472
SPDR SER TR PORTFOLIO SM ETF 78468R853   2,500,460 59,281 SH   SOLE   0 0 59,281
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   2,435,413 49,988 SH   SOLE   0 0 49,988
UNITED PARCEL SERVICE INC CL B 911312106   2,293,828 14,589 SH   SOLE   0 0 14,589
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,103,202 25,352 SH   SOLE   0 0 25,352
META PLATFORMS INC CL A 30303M102   2,091,904 5,910 SH   SOLE   0 0 5,910
ISHARES TR NASDAQ BIOTECH 464287556   1,985,855 14,618 SH   SOLE   0 0 14,618
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,883,201 38,869 SH   SOLE   0 0 38,869
JPMORGAN CHASE & CO COM 46625H100   1,752,710 10,304 SH   SOLE   0 0 10,304
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805   1,661,718 28,430 SH   SOLE   0 0 28,430
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,571,394 40,097 SH   SOLE   0 0 40,097
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,112,383 7,049 SH   SOLE   0 0 7,049
JOHNSON & JOHNSON COM 478160104   991,139 6,323 SH   SOLE   0 0 6,323
MERCK & CO INC COM 58933Y105   967,116 8,871 SH   SOLE   0 0 8,871
SELECT SECTOR SPDR TR ENERGY 81369Y506   893,315 10,655 SH   SOLE   0 0 10,655
INVESCO QQQ TR UNIT SER 1 46090E103   804,543 1,965 SH   SOLE   0 0 1,965
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   795,789 2,613 SH   SOLE   0 0 2,613
VANGUARD INDEX FDS GROWTH ETF 922908736   681,108 2,191 SH   SOLE   0 0 2,191
AMAZON COM INC COM 023135106   680,843 4,481 SH   SOLE   0 0 4,481
VANGUARD INDEX FDS TOTAL STK MKT 922908769   676,254 2,851 SH   SOLE   0 0 2,851
VISA INC COM CL A 92826C839   618,592 2,376 SH   SOLE   0 0 2,376
SPDR GOLD TR SPDR GOLD TR 78463V107   601,421 3,146 SH   SOLE   0 0 3,146
RESIDEO TECHNOLOGIES INC COM 76118Y104   572,203 30,404 SH   SOLE   0 0 30,404
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   569,352 8,122 SH   SOLE   0 0 8,122
ISHARES TR RUS 1000 VAL ETF 464287598   565,074 3,420 SH   SOLE   0 0 3,420
NVIDIA CORPORATION COM 67066G104   528,125 1,066 SH   SOLE   0 0 1,066
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   511,199 9,863 SH   SOLE   0 0 9,863
ALPHABET INC CAP STK CL A 02079K305   506,516 3,626 SH   SOLE   0 0 3,626
COCA COLA CONSOLIDATED INC COM 191098102   504,971 8,569 SH   SOLE   0 0 8,569
AT&T INC COM 00206R102   504,098 30,042 SH   SOLE   0 0 30,042
BANK AMER CORP COM 060505104   495,521 14,717 SH   SOLE   0 0 14,717
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   488,761 10,616 SH   SOLE   0 0 10,616
ISHARES TR US AER DEF ETF 464288760   488,676 3,860 SH   SOLE   0 0 3,860
VANGUARD INDEX FDS VALUE ETF 922908744   482,586 3,228 SH   SOLE   0 0 3,228
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   478,092 2,806 SH   SOLE   0 0 2,806
HOME DEPOT INC COM 437076102   457,099 1,319 SH   SOLE   0 0 1,319
SPDR SER TR S&P BIOTECH 78464A870   450,915 5,050 SH   SOLE   0 0 5,050
SPDR SER TR PORTFOLIO SHORT 78464A474   435,211 14,981 SH   SOLE   0 0 14,981
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   422,109 966 SH   SOLE   0 0 966
CHEVRON CORP NEW COM 166764100   411,831 2,761 SH   SOLE   0 0 2,761
VANGUARD WORLD FDS INF TECH ETF 92204A702   406,560 840 SH   SOLE   0 0 840
PROCTER AND GAMBLE CO COM 742718109   392,434 2,678 SH   SOLE   0 0 2,678
CISCO SYS INC COM 17275R102   388,701 7,694 SH   SOLE   0 0 7,694
PFIZER INC COM 717081103   383,438 13,318 SH   SOLE   0 0 13,318
PEPSICO INC COM 713448108   377,931 2,225 SH   SOLE   0 0 2,225
EXXON MOBIL CORP COM 30231G102   350,730 3,508 SH   SOLE   0 0 3,508
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   336,648 1,749 SH   SOLE   0 0 1,749
BOEING CO COM 097023105   336,251 1,290 SH   SOLE   0 0 1,290
INTERNATIONAL BUSINESS MACHS COM 459200101   313,039 1,914 SH   SOLE   0 0 1,914
LAS VEGAS SANDS CORP COM 517834107   310,367 6,307 SH   SOLE   0 0 6,307
ALPHABET INC CAP STK CL C 02079K107   300,322 2,131 SH   SOLE   0 0 2,131
COUPANG INC CL A 22266T109   290,934 17,970 SH   SOLE   0 0 17,970
COLGATE PALMOLIVE CO COM 194162103   273,849 3,436 SH   SOLE   0 0 3,436
BRISTOL MYERS SQUIBB CO COM 110122108   272,456 5,310 SH   SOLE   0 0 5,310
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   266,443 2,590 SH   SOLE   0 0 2,590
ORACLE CORP COM 68389X105   263,364 2,498 SH   SOLE   0 0 2,498
DISNEY WALT CO COM 254687106   256,934 2,846 SH   SOLE   0 0 2,846
SPDR SER TR BLOOMBERG HIGH Y 78468R622   246,772 2,605 SH   SOLE   0 0 2,605
ISHARES TR RUSSELL 1000 US 46435G169   237,345 905 SH   SOLE   0 0 905
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   223,320 3,652 SH   SOLE   0 0 3,652
ISHARES TR RUS MD CP GR ETF 464287481   222,500 2,130 SH   SOLE   0 0 2,130
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   221,912 3,953 SH   SOLE   0 0 3,953
CONSOLIDATED EDISON INC COM 209115104   215,963 2,374 SH   SOLE   0 0 2,374
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   213,202 5,670 SH   SOLE   0 0 5,670
NEXTERA ENERGY INC COM 65339F101   212,748 3,503 SH   SOLE   0 0 3,503
WALMART INC COM 931142103   211,989 1,345 SH   SOLE   0 0 1,345
COMCAST CORP NEW CL A 20030N101   211,670 4,827 SH   SOLE   0 0 4,827
HERSHEY CO COM 427866108   205,084 1,100 SH   SOLE   0 0 1,100
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   200,847 1,799 SH   SOLE   0 0 1,799