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
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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
VANGUARD WORLD FD MEGA GRWTH IND 921910816   19,692,678 114,446 SH   SOLE   0 0 114,446
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   18,472,670 368,422 SH   SOLE   0 0 368,422
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   16,598,899 124,935 SH   SOLE   0 0 124,935
ISHARES TR CORE US AGGBD ET 464287226   11,498,437 118,553 SH   SOLE   0 0 118,553
VANGUARD BD INDEX FDS INTERMED TERM 921937819   9,689,496 130,375 SH   SOLE   0 0 130,375
ISHARES TR CORE DIV GRWTH 46434V621   8,770,523 175,410 SH   SOLE   0 0 175,410
VANGUARD INDEX FDS GROWTH ETF 922908736   8,374,129 39,295 SH   SOLE   0 0 39,295
ISHARES TR BROAD USD HIGH 46435U853   7,916,088 229,252 SH   SOLE   0 0 229,252
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   7,692,906 93,270 SH   SOLE   0 0 93,270
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   7,398,768 155,993 SH   SOLE   0 0 155,993
VANGUARD INDEX FDS SML CP GRW ETF 922908595   7,353,169 36,667 SH   SOLE   0 0 36,667
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,244,565 32,662 SH   SOLE   0 0 32,662
SCHWAB STRATEGIC TR US TIPS ETF 808524870   6,205,905 119,828 SH   SOLE   0 0 119,828
ISHARES TR CORE MSCI TOTAL 46432F834   5,458,705 94,311 SH   SOLE   0 0 94,311
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   5,296,395 129,496 SH   SOLE   0 0 129,496
ISHARES TR RUS 1000 VAL ETF 464287598   4,269,532 28,154 SH   SOLE   0 0 28,154
ISHARES TR CORE S&P MCP ETF 464287507   3,611,037 14,928 SH   SOLE   0 0 14,928
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,428,775 75,325 SH   SOLE   0 0 75,325
ISHARES TR CORE HIGH DV ETF 46429B663   2,881,394 27,642 SH   SOLE   0 0 27,642
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,840,573 67,681 SH   SOLE   0 0 67,681
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,713,863 36,050 SH   SOLE   0 0 36,050
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,507,553 34,905 SH   SOLE   0 0 34,905
ISHARES TR CORE TOTAL USD 46434V613   2,089,885 46,514 SH   SOLE   0 0 46,514
ISHARES TR CORE INTL AGGR 46435G672   2,088,087 43,913 SH   SOLE   0 0 43,913
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,759,534 11,587 SH   SOLE   0 0 11,587
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,575,083 33,527 SH   SOLE   0 0 33,527
INVESCO QQQ TR UNIT SER 1 46090E103   1,512,548 5,680 SH   SOLE   0 0 5,680
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,349,318 65,724 SH   SOLE   0 0 65,724
ISHARES TR PFD AND INCM SEC 464288687   1,341,925 43,954 SH   SOLE   0 0 43,954
ISHARES TR NATIONAL MUN ETF 464288414   1,281,116 12,141 SH   SOLE   0 0 12,141
APPLE INC COM 037833100   1,269,671 9,772 SH   SOLE   0 0 9,772
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,257,116 22,626 SH   SOLE   0 0 22,626
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,252,104 64,909 SH   SOLE   0 0 64,909
ISHARES TR MBS ETF 464288588   1,162,022 12,529 SH   SOLE   0 0 12,529
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,023,430 5,875 SH   SOLE   0 0 5,875
ISHARES TR CORE 1 5 YR USD 46432F859   975,061 20,996 SH   SOLE   0 0 20,996
ISHARES TR TIPS BD ETF 464287176   950,279 8,928 SH   SOLE   0 0 8,928
CHUBB LIMITED COM H1467J104   874,458 3,964 SH   SOLE   0 0 3,964
VANGUARD INDEX FDS VALUE ETF 922908744   857,334 6,108 SH   SOLE   0 0 6,108
ISHARES TR SHRT NAT MUN ETF 464288158   827,606 7,937 SH   SOLE   0 0 7,937
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   746,984 9,935 SH   SOLE   0 0 9,935
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   708,927 14,325 SH   SOLE   0 0 14,325
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   704,668 3,920 SH   SOLE   0 0 3,920
ISHARES TR CORE MSCI INTL 46435G326   674,636 12,051 SH   SOLE   0 0 12,051
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   644,886 12,757 SH   SOLE   0 0 12,757
LILLY ELI & CO COM 532457108   609,246 1,665 SH   SOLE   0 0 1,665
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   593,361 6,884 SH   SOLE   0 0 6,884
SPDR SER TR PRTFLO S&P500 GW 78464A409   577,444 11,396 SH   SOLE   0 0 11,396
ISHARES TR S&P SML 600 GWT 464287887   573,710 5,309 SH   SOLE   0 0 5,309
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   559,447 4,137 SH   SOLE   0 0 4,137
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   542,015 13,905 SH   SOLE   0 0 13,905
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   538,707 11,533 SH   SOLE   0 0 11,533
VANGUARD STAR FDS VG TL INTL STK F 921909768   517,590 10,008 SH   SOLE   0 0 10,008
VANGUARD INDEX FDS SMALL CP ETF 922908751   498,389 2,715 SH   SOLE   0 0 2,715
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   493,664 12,070 SH   SOLE   0 0 12,070
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   475,592 6,296 SH   SOLE   0 0 6,296
JOHNSON & JOHNSON COM 478160104   459,394 2,601 SH   SOLE   0 0 2,601
ISHARES TR CORE S&P US GWT 464287671   449,793 5,518 SH   SOLE   0 0 5,518
CSX CORP COM 126408103   446,112 14,400 SH   SOLE   0 0 14,400
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   437,094 1,415 SH   SOLE   0 0 1,415
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   430,575 5,555 SH   SOLE   0 0 5,555
ISHARES TR RUS 2000 GRW ETF 464287648   416,829 1,943 SH   SOLE   0 0 1,943
ISHARES TR SELECT DIVID ETF 464287168   407,612 3,380 SH   SOLE   0 0 3,380
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   395,530 9,568 SH   SOLE   0 0 9,568
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   391,714 6,424 SH   SOLE   0 0 6,424
ISHARES TR S&P MC 400VL ETF 464287705   368,663 3,657 SH   SOLE   0 0 3,657
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   365,727 7,429 SH   SOLE   0 0 7,429
ISHARES TR ISHS 5-10YR INVT 464288638   362,965 7,331 SH   SOLE   0 0 7,331
ISHARES TR INTRM GOV CR ETF 464288612   355,540 3,470 SH   SOLE   0 0 3,470
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   351,259 6,006 SH   SOLE   0 0 6,006
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   346,618 8,042 SH   SOLE   0 0 8,042
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   325,168 13,738 SH   SOLE   0 0 13,738
ISHARES TR 0-5YR INVT GR CP 46434V100   311,997 6,519 SH   SOLE   0 0 6,519
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   308,863 5,342 SH   SOLE   0 0 5,342
SPDR SER TR NUVEEN BLOOMBERG 78464A284   307,438 6,278 SH   SOLE   0 0 6,278
ISHARES TR CORE S&P SCP ETF 464287804   300,494 3,175 SH   SOLE   0 0 3,175
EVERSOURCE ENERGY COM 30040W108   282,466 3,369 SH   SOLE   0 0 3,369
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   280,738 6,218 SH   SOLE   0 0 6,218
SPDR S&P 500 ETF TR TR UNIT 78462F103   251,175 657 SH   SOLE   0 0 657
ISHARES TR RUSSELL 2000 ETF 464287655   250,714 1,438 SH   SOLE   0 0 1,438
ISHARES TR CORE S&P TTL STK 464287150   248,277 2,928 SH   SOLE   0 0 2,928
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532   228,492 8,330 SH   SOLE   0 0 8,330
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   224,503 10,701 SH   SOLE   0 0 10,701
SEMPRA COM 816851109   212,792 1,377 SH   SOLE   0 0 1,377
VANGUARD INDEX FDS MID CAP ETF 922908629   201,409 988 SH   SOLE   0 0 988