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
VANGUARD REIT INDEX ETF ETF 922908553   2,821,711 35,197 SH   SOLE 0 1,235 0 33,961
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158   1,193,019 11,621 SH   SOLE 0 1,144 0 10,476
SPDR S&P 500 ETF TRUST ETF 78462F103   201,896 565 SH   SOLE 0 0 0 565
ABRDN BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF ETF 003261104   1,116,716 43,233 SH   SOLE 0 0 0 43,233
ISHARES RUSSELL 2000 VALUE ETF 464287630   421,992 3,273 SH   SOLE 0 485 0 2,787
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   210,734 5,575 SH   SOLE 0 0 0 5,574
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,313,723 6,244 SH   SOLE 0 0 0 6,243
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   205,659 4,898 SH   SOLE 0 0 0 4,897
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   409,730 14,566 SH   SOLE 0 0 0 14,565
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   2,225,858 52,559 SH   SOLE 0 0 0 52,558
ISHARES US REAL ESTATE ETF ETF 464287739   1,163,427 14,289 SH   SOLE 0 465 0 13,823
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   2,294,262 41,108 SH   SOLE 0 0 0 41,108
ISHARES S&P SMALLCAP 600 ETF ETF 464287804   883,808 10,137 SH   SOLE 0 0 0 10,136
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   294,451 13,145 SH   SOLE 0 0 0 13,145
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   1,879,114 32,116 SH   SOLE 0 0 0 32,116
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   504,036 1,255 SH   SOLE 0 0 0 1,254
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   1,081,863 17,926 SH   SOLE 0 0 0 17,926
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839   579,501 10,023 SH   SOLE 0 0 0 10,022
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473   1,112,481 11,582 SH   SOLE 0 1,209 0 10,372
ISHARES RUSSELL 2000 ETF ETF 464287655   720,845 4,371 SH   SOLE 0 0 0 4,370
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834   1,011,713 19,869 SH   SOLE 0 5,789 0 14,079
ISHARES CORE MSCI EAFE ETF 46432F842   15,453,747 293,407 SH   SOLE 0 7,754 0 285,652
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103   6,066,298 141,142 SH   SOLE 0 2,020 0 139,121
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499   487,741 7,848 SH   SOLE 0 0 0 7,847
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   2,126,092 20,912 SH   SOLE 0 946 0 19,965
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881   408,243 10,740 SH   SOLE 0 0 0 10,740
ISHARES S&P 500 VALUE ETF ETF 464287408   8,273,347 64,374 SH   SOLE 0 5,219 0 59,154
ISHARES S&P 500 GROWTH ETF ETF 464287309   6,569,209 113,556 SH   SOLE 0 1,201 0 112,354
ISHARES S&P 500 INDEX ETF 464287200   11,335,846 31,607 SH   SOLE 0 1,424 0 30,182
VANGUARD MID-CAP VALUE ETF ETF 922908512   320,475 2,632 SH   SOLE 0 0 0 2,631
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   661,779 21,320 SH   SOLE 0 604 0 20,715
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   4,363,272 120,002 SH   SOLE 0 3,542 0 116,459
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879   3,248,634 39,401 SH   SOLE 0 1,304 0 38,097
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   7,054,161 111,935 SH   SOLE 0 5,052 0 106,883
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705   4,077,725 45,308 SH   SOLE 0 1,798 0 43,509
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281   654,775 8,247 SH   SOLE 0 396 0 7,850
ISHARES CORE S&P MID CAP ETF ETF 464287507   1,981,151 9,036 SH   SOLE 0 822 0 8,212
ISHARES RUSSELL 1000 ETF ETF 464287622   1,446,110 7,328 SH   SOLE 0 0 0 7,328
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   3,631,495 26,704 SH   SOLE 0 0 0 26,704