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
AFLAC INC COM 001055102   1,467 21,015 SH   SOLE   21,015 0 0
ABBVIE INC COM 00287Y109   1,773 13,161 SH   SOLE   13,161 0 0
AIR PRODS & CHEMS INC COM 009158106   2,165 7,227 SH   SOLE   7,227 0 0
ALLSTATE CORP COM 020002101   1,696 15,553 SH   SOLE   15,553 0 0
APPLE INC COM 037833100   2,230 11,498 SH   SOLE   11,498 0 0
BLACKROCK INC COM 09247X101   1,098 1,589 SH   SOLE   1,589 0 0
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   286 5,701 SH   SOLE   5,701 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,483 23,193 SH   SOLE   23,193 0 0
BROADCOM INC COM 11135F101   2,238 2,580 SH   SOLE   2,580 0 0
CHEVRON CORP NEW COM 166764100   1,269 8,065 SH   SOLE   8,065 0 0
CORNING INC COM 219350105   1,482 42,306 SH   SOLE   42,306 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,716 3,187 SH   SOLE   3,187 0 0
CUMMINS INC COM 231021106   1,496 6,104 SH   SOLE   6,104 0 0
EXXON MOBIL CORP COM 30231G102   1,498 13,966 SH   SOLE   13,966 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN HDG 35473P637   107 3,474 SH   SOLE   3,474 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744   70 2,606 SH   SOLE   2,606 0 0
HOME DEPOT INC COM 437076102   1,712 5,511 SH   SOLE   5,511 0 0
ISHARES TR S&P 500 INDEX 464287200   137 308 SH   SOLE   308 0 0
ISHARES TR CORE US AGGBD ET 464287226   20,283 207,070 SH   SOLE   207,070 0 0
ISHARES TR IBOXX INV CPBD 464287242   413 3,820 SH   SOLE   3,820 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   101 1,047 SH   SOLE   1,047 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109   53,460 803,663 SH   SOLE   803,663 0 0
ISHARES TR GL TIMB FORE ETF 464288174   435 6,069 SH   SOLE   6,069 0 0
ISHARES TR MRGSTR MD CP ETF 464288208   9,693 153,154 SH   SOLE   153,154 0 0
ISHARES TR MRGSTR MD CP GRW 464288307   10,022 164,450 SH   SOLE   164,450 0 0
ISHARES TR MRGSTR MD CP VAL 464288406   13,940 218,839 SH   SOLE   218,839 0 0
ISHARES TR MRGSTR SM CP GR 464288604   6,009 145,108 SH   SOLE   145,108 0 0
ISHARES TR MRNING SM CP ETF 464288703   10,174 188,332 SH   SOLE   188,332 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   91 932 SH   SOLE   932 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   4,556 73,602 SH   SOLE   73,602 0 0
JPMORGAN CHASE & CO COM 46625H100   1,930 13,272 SH   SOLE   13,272 0 0
JOHNSON & JOHNSON COM 478160104   1,778 10,740 SH   SOLE   10,740 0 0
LOCKHEED MARTIN CORP COM 539830109   1,369 2,973 SH   SOLE   2,973 0 0
MERCK & CO INC COM 58933Y105   1,669 14,467 SH   SOLE   14,467 0 0
MICROSOFT CORP COM 594918104   2,151 6,315 SH   SOLE   6,315 0 0
NEXTERA ENERGY INC COM 65339F101   1,530 20,623 SH   SOLE   20,623 0 0
NORTHROP GRUMMAN CORP COM 666807102   1,389 3,048 SH   SOLE   3,048 0 0
PAYCHEX INC COM 704326107   1,437 12,846 SH   SOLE   12,846 0 0
PRICE T ROWE GROUP INC COM 74144T108   1,872 16,713 SH   SOLE   16,713 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,287 13,137 SH   SOLE   13,137 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   28,984 553,454 SH   SOLE   553,454 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   8,112 185,206 SH   SOLE   185,206 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   13,428 184,912 SH   SOLE   184,912 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   68,371 1,917,832 SH   SOLE   1,917,832 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   29,943 571,101 SH   SOLE   571,101 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,993 49,192 SH   SOLE   49,192 0 0
SOUTHERN CO COM 842587107   1,505 21,420 SH   SOLE   21,420 0 0
TEXAS INSTRS INC COM 882508104   1,951 10,839 SH   SOLE   10,839 0 0
UNION PAC CORP COM 907818108   1,441 7,044 SH   SOLE   7,044 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,837 10,247 SH   SOLE   10,247 0 0
VALERO ENERGY CORP COM 91913Y100   815 6,947 SH   SOLE   6,947 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   27,617 678,880 SH   SOLE   678,880 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   200 1,408 SH   SOLE   1,408 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   18,800 248,483 SH   SOLE   248,483 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,060 76,682 SH   SOLE   76,682 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,420 28,217 SH   SOLE   28,217 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   100 2,629 SH   SOLE   2,629 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,942 6,294 SH   SOLE   6,294 0 0
MEDTRONIC PLC SHS G5960L103   1,744 19,797 SH   SOLE   19,797 0 0