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   32,635,331 103,865 SH   SOLE   0 0 103,865
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   21,737,622 370,696 SH   SOLE   0 0 370,696
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   21,457,669 127,126 SH   SOLE   0 0 127,126
VANGUARD INDEX FDS GROWTH ETF 922908736   14,812,670 39,605 SH   SOLE   0 0 39,605
ISHARES TR CORE US AGGBD ET 464287226   11,885,543 122,443 SH   SOLE   0 0 122,443
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,504,215 140,262 SH   SOLE   0 0 140,262
ISHARES TR CORE DIV GRWTH 46434V621   10,168,218 176,501 SH   SOLE   0 0 176,501
VANGUARD INDEX FDS SML CP GRW ETF 922908595   10,047,612 40,170 SH   SOLE   0 0 40,170
ISHARES TR BROAD USD HIGH 46435U853   8,818,016 243,054 SH   SOLE   0 0 243,054
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   8,800,196 105,064 SH   SOLE   0 0 105,064
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   8,362,693 171,824 SH   SOLE   0 0 171,824
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,296,536 31,014 SH   SOLE   0 0 31,014
SCHWAB STRATEGIC TR US TIPS ETF 808524870   6,870,853 132,106 SH   SOLE   0 0 132,106
ISHARES TR CORE MSCI TOTAL 46432F834   6,365,693 94,223 SH   SOLE   0 0 94,223
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   6,196,087 148,232 SH   SOLE   0 0 148,232
ISHARES TR CORE S&P MCP ETF 464287507   4,351,390 74,357 SH   SOLE   0 0 74,357
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,349,009 88,001 SH   SOLE   0 0 88,001
ISHARES TR RUS 1000 VAL ETF 464287598   3,935,157 22,555 SH   SOLE   0 0 22,555
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,780,832 15,146 SH   SOLE   0 0 15,146
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,332,091 73,394 SH   SOLE   0 0 73,394
ISHARES TR CORE TOTAL USD 46434V613   2,782,981 61,543 SH   SOLE   0 0 61,543
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,734,589 35,653 SH   SOLE   0 0 35,653
ISHARES TR CORE HIGH DV ETF 46429B663   2,674,541 24,605 SH   SOLE   0 0 24,605
INVESCO QQQ TR UNIT SER 1 46090E103   2,639,232 5,509 SH   SOLE   0 0 5,509
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,268,175 22,493 SH   SOLE   0 0 22,493
ISHARES TR CORE INTL AGGR 46435G672   2,234,370 44,759 SH   SOLE   0 0 44,759
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,204,457 30,596 SH   SOLE   0 0 30,596
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,166,323 11,867 SH   SOLE   0 0 11,867
APPLE INC COM 037833100   2,113,993 10,037 SH   SOLE   0 0 10,037
ISHARES TR CORE MSCI INTL 46435G326   1,812,848 27,618 SH   SOLE   0 0 27,618
ISHARES TR NATIONAL MUN ETF 464288414   1,672,340 15,695 SH   SOLE   0 0 15,695
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,570,631 33,283 SH   SOLE   0 0 33,283
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,494,808 71,046 SH   SOLE   0 0 71,046
ELI LILLY & CO COM 532457108   1,491,474 1,647 SH   SOLE   0 0 1,647
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,479,097 74,066 SH   SOLE   0 0 74,066
ISHARES TR CORE 1 5 YR USD 46432F859   1,365,613 28,829 SH   SOLE   0 0 28,829
ISHARES TR PFD AND INCM SEC 464288687   1,324,171 41,971 SH   SOLE   0 0 41,971
ISHARES TR SHRT NAT MUN ETF 464288158   1,286,799 12,308 SH   SOLE   0 0 12,308
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,155,378 5,033 SH   SOLE   0 0 5,033
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,060,313 21,844 SH   SOLE   0 0 21,844
CHUBB LIMITED COM H1467J104   1,011,137 3,964 SH   SOLE   0 0 3,964
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,006,686 23,005 SH   SOLE   0 0 23,005
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   971,351 19,384 SH   SOLE   0 0 19,384
SPDR SER TR PRTFLO S&P500 GW 78464A409   951,826 11,879 SH   SOLE   0 0 11,879
ISHARES TR 0-5YR INVT GR CP 46434V100   936,787 19,021 SH   SOLE   0 0 19,021
ISHARES TR MBS ETF 464288588   866,688 9,440 SH   SOLE   0 0 9,440
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   822,689 15,928 SH   SOLE   0 0 15,928
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   779,454 6,920 SH   SOLE   0 0 6,920
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   750,315 4,988 SH   SOLE   0 0 4,988
VANGUARD INDEX FDS VALUE ETF 922908744   729,850 4,550 SH   SOLE   0 0 4,550
VANGUARD STAR FDS VG TL INTL STK F 921909768   713,702 11,836 SH   SOLE   0 0 11,836
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   711,417 8,900 SH   SOLE   0 0 8,900
ISHARES TR CORE S&P US GWT 464287671   700,569 5,496 SH   SOLE   0 0 5,496
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   689,087 8,917 SH   SOLE   0 0 8,917
VANGUARD INDEX FDS SMALL CP ETF 922908751   686,399 3,148 SH   SOLE   0 0 3,148
ISHARES TR RUS 2000 GRW ETF 464287648   648,543 2,470 SH   SOLE   0 0 2,470
SPDR S&P 500 ETF TR TR UNIT 78462F103   636,156 1,169 SH   SOLE   0 0 1,169
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   611,136 29,884 SH   SOLE   0 0 29,884
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   601,587 28,565 SH   SOLE   0 0 28,565
SPDR SER TR NUVEEN BLOOMBERG 78464A284   596,208 23,436 SH   SOLE   0 0 23,436
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   560,570 1,378 SH   SOLE   0 0 1,378
ISHARES TR TIPS BD ETF 464287176   558,308 5,229 SH   SOLE   0 0 5,229
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   539,220 13,291 SH   SOLE   0 0 13,291
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   531,755 27,732 SH   SOLE   0 0 27,732
ISHARES TR S&P MC 400VL ETF 464287705   521,316 4,595 SH   SOLE   0 0 4,595
ISHARES TR S&P SML 600 GWT 464287887   518,844 4,040 SH   SOLE   0 0 4,040
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   511,039 6,572 SH   SOLE   0 0 6,572
ISHARES TR SELECT DIVID ETF 464287168   489,089 4,043 SH   SOLE   0 0 4,043
CSX CORP COM 126408103   481,680 14,400 SH   SOLE   0 0 14,400
ISHARES TR CORE S&P SCP ETF 464287804   474,602 4,450 SH   SOLE   0 0 4,450
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   465,908 17,542 SH   SOLE   0 0 17,542
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   453,486 7,208 SH   SOLE   0 0 7,208
ISHARES TR INTRM GOV CR ETF 464288612   451,263 4,350 SH   SOLE   0 0 4,350
ISHARES TR 0-5 YR TIPS ETF 46429B747   443,898 4,462 SH   SOLE   0 0 4,462
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   386,332 8,760 SH   SOLE   0 0 8,760
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   377,288 5,872 SH   SOLE   0 0 5,872
ISHARES TR CORE S&P TTL STK 464287150   370,953 3,123 SH   SOLE   0 0 3,123
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   356,202 7,304 SH   SOLE   0 0 7,304
JOHNSON & JOHNSON COM 478160104   353,867 2,421 SH   SOLE   0 0 2,421
ISHARES TR ISHS 5-10YR INVT 464288638   335,341 6,542 SH   SOLE   0 0 6,542
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   314,973 5,409 SH   SOLE   0 0 5,409
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   305,056 7,345 SH   SOLE   0 0 7,345
ISHARES TR RUSSELL 2000 ETF 464287655   301,772 1,487 SH   SOLE   0 0 1,487
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C532   269,451 7,858 SH   SOLE   0 0 7,858
ISHARES TR 7-10 YR TRSY BD 464287440   266,600 2,847 SH   SOLE   0 0 2,847
MICROSOFT CORP COM 594918104   264,167 591 SH   SOLE   0 0 591
ASTRAZENECA PLC SPONSORED ADR 046353108   261,968 3,359 SH   SOLE   0 0 3,359
INNOVATOR ETFS TRUST US EQT ULTRA BFR 45782C425   252,497 7,974 SH   SOLE   0 0 7,974
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   250,341 11,191 SH   SOLE   0 0 11,191
NVIDIA CORPORATION COM 67066G104   247,080 2,000 SH   SOLE   0 0 2,000
VANGUARD INDEX FDS MID CAP ETF 922908629   243,012 1,004 SH   SOLE   0 0 1,004
ISHARES TR MSCI EAFE ETF 464287465   236,080 3,014 SH   SOLE   0 0 3,014
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C649   231,778 6,862 SH   SOLE   0 0 6,862
ISHARES TR MRGSTR MD CP GRW 464288307   227,852 3,363 SH   SOLE   0 0 3,363
SEMPRA COM 816851109   211,247 2,777 SH   SOLE   0 0 2,777