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   3,275,101 39,440 SH   SOLE 0 1,437 0 38,002
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158   1,360,583 12,998 SH   SOLE 0 1,032 0 11,964
SPDR S&P 500 ETF TRUST ETF 78462F103   237,556 580 SH   SOLE 0 0 0 580
ABRDN BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF ETF 003261104   518,073 24,943 SH   SOLE 0 0 0 24,943
ISHARES RUSSELL 2000 VALUE ETF 464287630   442,959 3,233 SH   SOLE 0 491 0 2,741
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   251,710 6,003 SH   SOLE 0 0 0 6,003
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,341,284 5,490 SH   SOLE 0 0 0 5,489
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   236,313 4,939 SH   SOLE 0 0 0 4,938
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   534,723 15,366 SH   SOLE 0 0 0 15,365
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   2,631,371 54,401 SH   SOLE 0 0 0 54,400
ISHARES US REAL ESTATE ETF ETF 464287739   1,634,938 19,257 SH   SOLE 0 642 0 18,614
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   2,825,060 43,349 SH   SOLE 0 0 0 43,349
ISHARES S&P SMALLCAP 600 ETF ETF 464287804   1,001,244 10,354 SH   SOLE 0 0 0 10,354
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   341,233 13,917 SH   SOLE 0 0 0 13,916
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   2,043,775 31,165 SH   SOLE 0 0 0 31,164
VANGUARD S&P 500 ETF ETF 922908363   639,148 1,700 SH   SOLE 0 0 0 1,699
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   524,080 1,143 SH   SOLE 0 0 0 1,143
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   1,209,709 17,675 SH   SOLE 0 0 0 17,675
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839   615,065 9,308 SH   SOLE 0 0 0 9,307
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473   1,230,410 11,586 SH   SOLE 0 1,199 0 10,385
ISHARES RUSSELL 2000 ETF ETF 464287655   780,540 4,375 SH   SOLE 0 0 0 4,375
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284   235,893 9,421 SH   SOLE 0 0 0 9,420
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834   1,079,505 17,425 SH   SOLE 0 5,837 0 11,587
ISHARES CORE MSCI EAFE ETF 46432F842   18,103,564 270,809 SH   SOLE 0 7,433 0 263,375
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103   8,172,812 167,510 SH   SOLE 0 1,266 0 166,243
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   660,512 13,502 SH   SOLE 0 550 0 12,951
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499   554,780 7,934 SH   SOLE 0 0 0 7,934
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   2,253,791 20,500 SH   SOLE 0 632 0 19,868
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881   451,992 9,914 SH   SOLE 0 0 0 9,914
ISHARES S&P 500 VALUE ETF ETF 464287408   9,195,276 60,591 SH   SOLE 0 3,850 0 56,740
ISHARES S&P 500 GROWTH ETF ETF 464287309   7,286,609 114,049 SH   SOLE 0 1,153 0 112,895
ISHARES S&P 500 INDEX ETF 464287200   12,471,344 30,338 SH   SOLE 0 828 0 29,509
VANGUARD MID-CAP VALUE ETF ETF 922908512   349,510 2,607 SH   SOLE 0 0 0 2,606
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   740,174 21,687 SH   SOLE 0 616 0 21,070
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   5,493,665 121,622 SH   SOLE 0 3,390 0 118,231
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879   3,415,541 36,495 SH   SOLE 0 702 0 35,791
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   7,921,540 110,775 SH   SOLE 0 3,047 0 107,727
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705   4,709,955 45,830 SH   SOLE 0 519 0 45,310
ISHARES CORE S&P MID CAP ETF ETF 464287507   2,259,621 9,033 SH   SOLE 0 809 0 8,223
ISHARES RUSSELL 1000 ETF ETF 464287622   1,659,883 7,370 SH   SOLE 0 0 0 7,369
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   3,867,492 25,401 SH   SOLE 0 0 0 25,400