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
ISHARES TR CORE S&P500 ETF 464287200   57,484,294 109,342 SH   SOLE   0 0 109,342
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   48,142,772 775,746 SH   SOLE   0 0 775,746
ISHARES TR FLTG RATE NT ETF 46429B655   31,815,364 623,098 SH   SOLE   0 0 623,098
ISHARES TR CORE US AGGBD ET 464287226   29,938,031 305,677 SH   SOLE   0 0 305,677
ISHARES TR IBOXX HI YD ETF 464288513   26,705,409 343,566 SH   SOLE   0 0 343,566
SPDR SER TR BLOMBERG BRC INV 78468R200   25,000,548 810,916 SH   SOLE   0 0 810,916
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   24,518,563 533,012 SH   SOLE   0 0 533,012
ISHARES TR CORE MSCI EAFE 46432F842   21,947,635 295,711 SH   SOLE   0 0 295,711
ISHARES TR JPMORGAN USD EMG 464288281   18,588,729 207,302 SH   SOLE   0 0 207,302
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   16,239,581 416,186 SH   SOLE   0 0 416,186
ISHARES TR CORE S&P MCP ETF 464287507   16,173,096 266,268 SH   SOLE   0 0 266,268
ISHARES TR CORE MSCI EMKT 46434G103   16,012,529 310,320 SH   SOLE   0 0 310,320
ISHARES TR CORE S&P SCP ETF 464287804   15,159,064 137,161 SH   SOLE   0 0 137,161
SPDR TR S&P 500 ETF TR TR UNIT 78462F103   14,181,147 27,111 SH   SOLE   0 0 27,111
ISHARES TR NATIONAL MUN ETF 464288414   12,997,112 120,791 SH   SOLE   0 0 120,791
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   12,756,298 505,200 SH   SOLE   0 0 505,200
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   11,432,253 185,800 SH   SOLE   0 0 185,800
APPLE INC COM 037833100   11,226,885 65,471 SH   SOLE   0 0 65,471
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   11,126,835 136,643 SH   SOLE   0 0 136,643
ISHARES TR CORE S&P TTL STK 464287150   10,716,102 92,941 SH   SOLE   0 0 92,941
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,523,390 213,716 SH   SOLE   0 0 213,716
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   10,181,241 166,769 SH   SOLE   0 0 166,769
ISHARES TR IBOXX INV CP ETF 464287242   10,055,663 92,322 SH   SOLE   0 0 92,322
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   9,570,409 378,576 SH   SOLE   0 0 378,576
PIMCO ETF TR INV GRD CRP BD 72201R817   8,487,648 88,367 SH   SOLE   0 0 88,367
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,153,287 199,589 SH   SOLE   0 0 199,589
ISHARES TR 0-5YR HI YL CP 46434V407   7,112,243 167,150 SH   SOLE   0 0 167,150
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   6,207,510 171,526 SH   SOLE   0 0 171,526
SPDR SER TR NUVEEN BRC MUNIC 78468R721   5,609,625 120,689 SH   SOLE   0 0 120,689
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,602,936 69,489 SH   SOLE   0 0 69,489
ISHARES TR CORE DIV GRWTH 46434V621   5,390,389 92,842 SH   SOLE   0 0 92,842
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   5,034,805 246,080 SH   SOLE   0 0 246,080
MICROSOFT CORP COM 594918104   4,976,238 11,828 SH   SOLE   0 0 11,828
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   4,965,386 151,893 SH   SOLE   0 0 151,893
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719   4,172,509 230,144 SH   SOLE   0 0 230,144
ISHARES TR RUS 1000 GRW ETF 464287614   3,127,233 9,278 SH   SOLE   0 0 9,278
META PLATFORMS INC CL A 30303M102   2,869,778 5,910 SH   SOLE   0 0 5,910
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   2,563,838 48,066 SH   SOLE   0 0 48,066
SPDR SER TR PORTFOLIO SM ETF 78468R853   2,391,418 55,563 SH   SOLE   0 0 55,563
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,350,637 25,352 SH   SOLE   0 0 25,352
UNITED PARCEL SERVICE INC CL B 911312106   2,166,877 14,579 SH   SOLE   0 0 14,579
JPMORGAN CHASE & CO COM 46625H100   2,063,891 10,304 SH   SOLE   0 0 10,304
ISHARES TR NASDAQ BIOTECH 464287556   2,005,196 14,613 SH   SOLE   0 0 14,613
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,879,451 46,167 SH   SOLE   0 0 46,167
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805   1,755,062 27,359 SH   SOLE   0 0 27,359
ISHARES TR 1 3 YR TREAS BD 464287457   1,532,913 18,744 SH   SOLE   0 0 18,744
NVIDIA CORPORATION COM 67066G104   1,360,268 1,505 SH   SOLE   0 0 1,505
MERCK & CO INC COM 58933Y105   1,236,372 9,370 SH   SOLE   0 0 9,370
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,193,944 7,049 SH   SOLE   0 0 7,049
JOHNSON & JOHNSON COM 478160104   1,065,927 6,738 SH   SOLE   0 0 6,738
AMAZON COM INC COM 023135106   1,062,619 5,891 SH   SOLE   0 0 5,891
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,029,727 21,359 SH   SOLE   0 0 21,359
SELECT SECTOR SPDR TR ENERGY 81369Y506   996,309 10,553 SH   SOLE   0 0 10,553
INVESCO QQQ TR UNIT SER 1 46090E103   872,302 1,965 SH   SOLE   0 0 1,965
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   830,228 2,613 SH   SOLE   0 0 2,613
VANGUARD INDEX FDS GROWTH ETF 922908736   754,171 2,191 SH   SOLE   0 0 2,191
VANGUARD INDEX FDS TOTAL STK MKT 922908769   736,407 2,833 SH   SOLE   0 0 2,833
RESIDEO TECHNOLOGIES INC COM 76118Y104   681,658 30,404 SH   SOLE   0 0 30,404
VISA INC COM CL A 92826C839   677,048 2,426 SH   SOLE   0 0 2,426
SPDR GOLD TR SPDR GOLD TR 78463V107   652,132 3,170 SH   SOLE   0 0 3,170
ELI LILLY & CO COM 532457108   625,480 804 SH   SOLE   0 0 804
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   617,110 8,122 SH   SOLE   0 0 8,122
ALPHABET INC CAP STK CL C 02079K107   612,237 4,021 SH   SOLE   0 0 4,021
ISHARES TR RUS 1000 VAL ETF 464287598   559,273 3,123 SH   SOLE   0 0 3,123
BANK AMER CORP COM 060505104   558,069 14,717 SH   SOLE   0 0 14,717
ALPHABET INC CAP STK CL A 02079K305   539,726 3,576 SH   SOLE   0 0 3,576
AT&T INC COM 00206R102   539,654 30,662 SH   SOLE   0 0 30,662
VANGUARD INDEX FDS VALUE ETF 922908744   525,712 3,228 SH   SOLE   0 0 3,228
COCA COLA CONSOLIDATED INC COM 191098102   524,251 8,569 SH   SOLE   0 0 8,569
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   516,920 1,075 SH   SOLE   0 0 1,075
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   512,350 2,806 SH   SOLE   0 0 2,806
ISHARES TR US AER DEF ETF 464288760   509,250 3,860 SH   SOLE   0 0 3,860
HOME DEPOT INC COM 437076102   505,968 1,319 SH   SOLE   0 0 1,319
INTERNATIONAL BUSINESS MACHS COM 459200101   493,864 2,586 SH   SOLE   0 0 2,586
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   481,011 10,616 SH   SOLE   0 0 10,616
SPDR SER TR S&P BIOTECH 78464A870   479,195 5,050 SH   SOLE   0 0 5,050
VANGUARD WORLD FDS INF TECH ETF 92204A702   440,446 840 SH   SOLE   0 0 840
PROCTER AND GAMBLE CO COM 742718109   434,506 2,678 SH   SOLE   0 0 2,678
PFIZER INC COM 717081103   416,456 15,007 SH   SOLE   0 0 15,007
CHEVRON CORP NEW COM 166764100   415,645 2,635 SH   SOLE   0 0 2,635
CISCO SYS INC COM 17275R102   380,664 7,627 SH   SOLE   0 0 7,627
PEPSICO INC COM 713448108   375,938 2,148 SH   SOLE   0 0 2,148
EXXON MOBIL CORP COM 30231G102   368,248 3,168 SH   SOLE   0 0 3,168
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   364,264 1,749 SH   SOLE   0 0 1,749
DISNEY WALT CO COM 254687106   347,950 2,844 SH   SOLE   0 0 2,844
LAS VEGAS SANDS CORP COM 517834107   326,072 6,307 SH   SOLE   0 0 6,307
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   325,983 5,721 SH   SOLE   0 0 5,721
COUPANG INC CL A 22266T109   319,686 17,970 SH   SOLE   0 0 17,970
ORACLE CORP COM 68389X105   313,774 2,498 SH   SOLE   0 0 2,498
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   286,189 2,590 SH   SOLE   0 0 2,590
BOEING CO COM 097023105   261,887 1,357 SH   SOLE   0 0 1,357
ISHARES TR RUSSELL 1000 US 46435G169   260,667 905 SH   SOLE   0 0 905
COLGATE PALMOLIVE CO COM 194162103   259,692 2,884 SH   SOLE   0 0 2,884
NEXTERA ENERGY INC COM 65339F101   258,589 4,046 SH   SOLE   0 0 4,046
COSTCO WHSL CORP NEW COM 22160K105   256,923 351 SH   SOLE   0 0 351
SPDR SER TR BLOOMBERG HIGH Y 78468R622   247,615 2,601 SH   SOLE   0 0 2,601
BRISTOL MYERS SQUIBB CO COM 110122108   244,306 4,505 SH   SOLE   0 0 4,505
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   243,881 3,652 SH   SOLE   0 0 3,652
WALMART INC COM 931142103   241,284 4,010 SH   SOLE   0 0 4,010
SPDR SER TR PORTFOLIO SHORT 78464A474   229,955 7,951 SH   SOLE   0 0 7,951
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   228,809 3,901 SH   SOLE   0 0 3,901
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   227,923 5,411 SH   SOLE   0 0 5,411
ISHARES TR RUS MD CP GR ETF 464287481   222,231 1,947 SH   SOLE   0 0 1,947
CONSOLIDATED EDISON INC COM 209115104   215,583 2,374 SH   SOLE   0 0 2,374
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   215,306 512 SH   SOLE   0 0 512
HERSHEY CO COM 427866108   213,950 1,100 SH   SOLE   0 0 1,100
COMCAST CORP NEW CL A 20030N101   209,663 4,837 SH   SOLE   0 0 4,837