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
ALPHABET INC CAP STK CL A 02079K305   340,236 2,600 SH   SOLE 0 0 0 2,600
ALPHABET INC CAP STK CL C 02079K107   239,967 1,820 SH   SOLE 0 0 0 1,820
AMAZON COM INC COM 023135106   536,701 4,222 SH   SOLE 0 0 0 4,222
AMGEN INC COM 031162100   219,039 815 SH   SOLE 0 0 0 815
APPLE INC COM 037833100   4,208,684 24,582 SH   SOLE 0 0 0 24,582
AVERY DENNISON CORP COM 053611109   419,228 2,295 SH   SOLE 0 0 0 2,295
BALL CORP COM 058498106   447,273 8,985 SH   SOLE 0 0 0 8,985
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   319,824 913 SH   SOLE 0 0 0 913
BERKSHIRE HATHAWAY INC DEL CL A 084670108   531,477 1 SH   SOLE 0 0 0 1
BLACKROCK INC COM 09247X101   988,483 1,529 SH   SOLE 0 0 0 1,529
BROADCOM INC COM 11135F101   1,445,209 1,740 SH   SOLE 0 0 0 1,740
CISCO SYS INC COM 17275R102   288,584 5,368 SH   SOLE 0 0 0 5,368
CLEAN HARBORS INC COM 184496107   235,978 1,410 SH   SOLE 0 0 0 1,410
COCA COLA CO COM 191216100   247,040 4,413 SH   SOLE 0 0 0 4,413
DBX ETF TR XTRACK USD HIGH 233051432   1,001,406 29,540 SH   SOLE 0 0 0 29,540
EXXON MOBIL CORP COM 30231G102   476,072 4,049 SH   SOLE 0 0 0 4,049
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   1,738,133 41,330 SH   SOLE 0 0 0 41,330
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   733,609 22,861 SH   SOLE 0 0 0 22,861
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   3,161,594 157,215 SH   SOLE 0 3,780 0 153,435
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   3,195,913 154,616 SH   SOLE 0 3,725 0 150,891
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,292,544 16,180 SH   SOLE 0 0 0 16,180
INVESCO QQQ TR UNIT SER 1 46090E103   4,595,956 12,828 SH   SOLE 0 0 0 12,828
ISHARES INC MSCI EURZONE ETF 464286608   403,392 9,550 SH   SOLE 0 0 0 9,550
ISHARES INC CORE MSCI EMKT 46434G103   779,001 16,369 SH   SOLE 0 0 0 16,369
ISHARES INC MSCI JPN ETF NEW 46434G822   900,371 14,934 SH   SOLE 0 0 0 14,934
ISHARES TR IBONDS DEC24 ETF 46434VBG4   202,786 8,200 SH   SOLE 0 0 0 8,200
ISHARES TR MSCI EAFE ETF 464287465   12,888,522 187,007 SH   SOLE 0 2,550 0 184,457
ISHARES TR CORE S&P500 ETF 464287200   32,184,061 74,946 SH   SOLE 0 1,821 0 73,125
ISHARES TR MBS ETF 464288588   1,198,800 13,500 SH   SOLE 0 0 0 13,500
ISHARES TR CORE MSCI EAFE 46432F842   3,166,535 49,208 SH   SOLE 0 0 0 49,208
ISHARES TR S&P 500 VAL ETF 464287408   504,134 3,277 SH   SOLE 0 0 0 3,277
ISHARES TR S&P 500 GRWT ETF 464287309   538,602 7,872 SH   SOLE 0 0 0 7,872
ISHARES TR MSCI EMG MKT ETF 464287234   6,452,942 170,038 SH   SOLE 0 2,035 0 168,003
ISHARES TR CORE S&P MCP ETF 464287507   5,975,673 23,965 SH   SOLE 0 210 0 23,755
ISHARES TR IBONDS 23 TRM HG 46435U150   378,240 16,000 SH   SOLE 0 0 0 16,000
ISHARES TR ISHS 5-10YR INVT 464288638   315,009 6,475 SH   SOLE 0 0 0 6,475
ISHARES TR IBOXX INV CP ETF 464287242   1,320,876 12,947 SH   SOLE 0 0 0 12,947
ISHARES TR IBONDS DEC 46435U697   299,674 11,665 SH   SOLE 0 0 0 11,665
ISHARES TR MSCI EAFE MIN VL 46429B689   462,932 7,098 SH   SOLE 0 0 0 7,098
ISHARES TR A RATE CP BD ETF 46429B291   4,774,423 105,910 SH   SOLE 0 1,870 0 104,040
ISHARES TR IBONDS DEC 25 46435U432   297,442 11,405 SH   SOLE 0 0 0 11,405
ISHARES TR CORE S&P TTL STK 464287150   226,433 2,404 SH   SOLE 0 0 0 2,404
ISHARES TR CORE US AGGBD ET 464287226   13,189,674 140,256 SH   SOLE 0 2,954 0 137,302
ISHARES TR 0-3 MNTH TREASRY 46436E718   239,695 2,381 SH   SOLE 0 0 0 2,381
ISHARES TR SHRT NAT MUN ETF 464288158   546,907 5,317 SH   SOLE 0 0 0 5,317
ISHARES TR NATIONAL MUN ETF 464288414   2,168,003 21,143 SH   SOLE 0 0 0 21,143
ISHARES TR MSCI USA QLT FCT 46432F339   5,656,559 42,921 SH   SOLE 0 0 0 42,921
ISHARES TR TIPS BD ETF 464287176   367,687 3,545 SH   SOLE 0 0 0 3,545
ISHARES TR MSCI USA MIN VOL 46429B697   1,702,378 23,520 SH   SOLE 0 0 0 23,520
ISHARES TR IBONDS DEC23 ETF 46434VAX8   436,192 17,200 SH   SOLE 0 0 0 17,200
ISHARES TR MSCI ACWI EX US 464288240   507,097 10,787 SH   SOLE 0 265 0 10,522
ISHARES TR JPMORGAN USD EMG 464288281   1,804,630 21,869 SH   SOLE 0 465 0 21,404
ISHARES TR GOV/CRED BD ETF 464288596   2,161,838 21,605 SH   SOLE 0 835 0 20,770
ISHARES TR CORE S&P SCP ETF 464287804   977,542 10,363 SH   SOLE 0 0 0 10,363
JANUS DETROIT STR TR HENDERSON MTG 47103U852   582,732 13,427 SH   SOLE 0 0 0 13,427
JOHNSON & JOHNSON COM 478160104   271,940 1,746 SH   SOLE 0 0 0 1,746
JPMORGAN CHASE & CO COM 46625H100   816,173 5,628 SH   SOLE 0 0 0 5,628
KLA CORP COM NEW 482480100   832,468 1,815 SH   SOLE 0 0 0 1,815
LOWES COS INC COM 548661107   313,215 1,507 SH   SOLE 0 0 0 1,507
MEDTRONIC PLC SHS G5960L103   991,724 12,656 SH   SOLE 0 0 0 12,656
MERCK & CO INC COM 58933Y105   1,504,100 14,610 SH   SOLE 0 0 0 14,610
MICROSOFT CORP COM 594918104   3,539,366 11,209 SH   SOLE 0 0 0 11,209
NVIDIA CORPORATION COM 67066G104   311,453 716 SH   SOLE 0 0 0 716
NXP SEMICONDUCTORS N V COM N6596X109   669,532 3,349 SH   SOLE 0 0 0 3,349
ORACLE CORP COM 68389X105   294,458 2,780 SH   SOLE 0 0 0 2,780
PEPSICO INC COM 713448108   853,460 5,037 SH   SOLE 0 0 0 5,037
PIMCO ETF TR ACTIVE BD ETF 72201R775   1,476,105 16,793 SH   SOLE 0 0 0 16,793
PNC FINL SVCS GROUP INC COM 693475105   619,497 5,046 SH   SOLE 0 0 0 5,046
PROCTER AND GAMBLE CO COM 742718109   805,877 5,525 SH   SOLE 0 0 0 5,525
PROLOGIS INC. COM 74340W103   993,620 8,855 SH   SOLE 0 0 0 8,855
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   782,988 10,767 SH   SOLE 0 0 0 10,767
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   322,928 6,478 SH   SOLE 0 0 0 6,478
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   364,521 5,655 SH   SOLE 0 0 0 5,655
SELECT SECTOR SPDR TR INDL 81369Y704   2,972,259 29,318 SH   SOLE 0 0 0 29,318
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,243,295 17,425 SH   SOLE 0 0 0 17,425
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   3,207,366 19,924 SH   SOLE 0 0 0 19,924
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,266,596 38,185 SH   SOLE 0 0 0 38,185
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   3,131,099 47,752 SH   SOLE 0 0 0 47,752
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,813,974 20,068 SH   SOLE 0 0 0 20,068
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   587,706 8,541 SH   SOLE 0 0 0 8,541
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,941,423 11,843 SH   SOLE 0 0 0 11,843
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   847,708 14,385 SH   SOLE 0 0 0 14,385
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4,000,507 129,007 SH   SOLE 0 0 0 129,007
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,683,569 109,728 SH   SOLE 0 0 0 109,728
SPDR S&P 500 ETF TR TR UNIT 78462F103   344,121 805 SH   SOLE 0 0 0 805
SPDR SER TR PORTFOLIO S&P500 78464A854   1,269,367 25,256 SH   SOLE 0 0 0 25,256
SPDR SER TR PORTFOLIO S&P400 78464A847   399,175 9,116 SH   SOLE 0 0 0 9,116
SPDR SER TR PORTFOLIO LN TSR 78464A664   378,940 14,491 SH   SOLE 0 0 0 14,491
SPDR SER TR PRTFLO S&P500 GW 78464A409   5,965,584 100,634 SH   SOLE 0 0 0 100,634
SPDR SER TR PORTFOLIO S&P600 78468R853   2,060,754 55,847 SH   SOLE 0 690 0 55,157
SPDR SER TR PRTFLO S&P500 VL 78464A508   4,811,370 116,611 SH   SOLE 0 0 0 116,611
SPDR SER TR PORTFOLIO SHORT 78464A474   422,226 14,401 SH   SOLE 0 0 0 14,401
SPDR SER TR PORTFOLI S&P1500 78464A805   1,780,408 33,919 SH   SOLE 0 370 0 33,549
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,464,719 37,897 SH   SOLE 0 0 0 37,897
STRYKER CORPORATION COM 863667101   204,133 747 SH   SOLE 0 0 0 747
SYSCO CORP COM 871829107   352,311 5,334 SH   SOLE 0 0 0 5,334
THERMO FISHER SCIENTIFIC INC COM 883556102   291,048 575 SH   SOLE 0 0 0 575
TJX COS INC NEW COM 872540109   927,463 10,435 SH   SOLE 0 0 0 10,435
UNITEDHEALTH GROUP INC COM 91324P102   284,867 565 SH   SOLE 0 0 0 565
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   1,251,714 46,257 SH   SOLE 0 0 0 46,257
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   249,495 4,810 SH   SOLE 0 0 0 4,810
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   254,582 6,493 SH   SOLE 0 0 0 6,493
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   218,906 4,630 SH   SOLE 0 0 0 4,630
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   684,743 15,662 SH   SOLE 0 316 0 15,346
VISA INC COM CL A 92826C839   1,610,070 7,000 SH   SOLE 0 0 0 7,000
WALMART INC COM 931142103   830,475 5,193 SH   SOLE 0 0 0 5,193
WISDOMTREE TR JAPN HEDGE EQT 97717W851   225,302 2,553 SH   SOLE 0 0 0 2,553
WISDOMTREE TR US QTLY DIV GRT 97717X669   706,199 11,123 SH   SOLE 0 0 0 11,123