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
ISHARES TRUST RUS 1000 VAL ETF RUS 1000 VAL ETF 464287598   35,259,199 232,504 SH   SOLE   0 0 232,504
ISHARES TRUST RUS 1000 GRW ETF RUS 1000 GRW ETF 464287614   34,806,592 162,465 SH   SOLE   0 0 162,465
VANGUARD FTSE DEVELOPED MKTS ETF FTSE DEVELOPED MKTS ETF 921943858   19,228,097 458,139 SH   SOLE   0 0 458,139
ISHARES TRUST RUS MD CP GR ETF RUS MD CP GR ETF 464287481   11,341,518 135,664 SH   SOLE   0 0 135,664
ISHARES TRUST RUS MDCP VAL ETF RUS MDCP VAL ETF 464287473   10,989,851 104,327 SH   SOLE   0 0 104,327
UNITED STATES TREASURY BILLS BILL BILL 912796YA1   9,828,877 9,878 SH   SOLE   0 0 9,878
ISHARES TRUST RUS 2000 VAL ETF RUS 2000 VAL ETF 464287630   7,083,904 51,085 SH   SOLE   0 0 51,085
ISHARES TRUST RUS 2000 GRW ETF RUS 2000 GRW ETF 464287648   7,000,091 32,631 SH   SOLE   0 0 32,631
VANGUARD FTSE EMR MKT ETF FTSE EMR MKT ETF 922042858   6,539,271 167,760 SH   SOLE   0 0 167,760
ISHARES TRUST CORE MSCI TOTAL ETF CORE MSCI TOTAL ETF 46432F834   5,539,867 95,713 SH   SOLE   0 0 95,713
SPDR SERIES TRUST S&P DIVID ETF S&P DIVID ETF 78464A763   3,501,275 27,986 SH   SOLE   0 0 27,986
APPLE INC COM COM 037833100   2,720,405 20,937 SH   SOLE   0 0 20,937
TESLA INC COM COM 88160R101   1,756,054 14,256 SH   SOLE   0 0 14,256
VANGUARD TOTAL BND MRKT ETF TOTAL BND MRKT ETF 921937835   1,518,928 21,143 SH   SOLE   0 0 21,143
CASELLA WASTE SYSTEMS COM CL A COM CL A 147448104   1,134,133 14,300 SH   SOLE   0 0 14,300
MICROSOFT CORP COM COM 594918104   1,114,936 4,649 SH   SOLE   0 0 4,649
SPDR SERIES TRUST PORTFOLI S&P 1500 COMP STK ETF PORTFOLI S&P 1500 COMP STK ETF 78464A805   1,114,440 23,566 SH   SOLE   0 0 23,566
VANGUARD VALUE ETF VALUE ETF 922908744   891,372 6,350 SH   SOLE   0 0 6,350
INTUIT INC COM COM 461202103   850,056 2,184 SH   SOLE   0 0 2,184
EXXON MOBIL CORPORATION COM COM 30231G102   808,170 7,327 SH   SOLE   0 0 7,327
VANGUARD TOTAL STK MKT ETF TOTAL STK MKT ETF 922908769   763,236 3,992 SH   SOLE   0 0 3,992
SPDR SPDR NUVEEN BLOOMBERG MUNIC SPDR NUVEEN BLOOMBERG MUNIC 78468R721   541,952 11,880 SH   SOLE   0 0 11,880
PROCTER & GAMBLE CO COM COM 742718109   531,251 3,505 SH   SOLE   0 0 3,505
SPDR S&P500 ETF TRUST TR UNIT ETF TR UNIT ETF 78462F103   493,907 1,291 SH   SOLE   0 0 1,291
COCA-COLA CO COM COM 191216100   470,662 7,399 SH   SOLE   0 0 7,399
ALPHABET INC COM CL C COM CL C 02079K107   433,002 4,880 SH   SOLE   0 0 4,880
JP MORGAN CHASE & CO COM COM 46625H100   404,164 3,014 SH   SOLE   0 0 3,014
VANGUARD GROWTH ETF GROWTH ETF 922908736   390,119 1,831 SH   SOLE   0 0 1,831
ISHARES TRUST SELECT DIVID ETF SELECT DIVID ETF 464287168   382,124 3,169 SH   SOLE   0 0 3,169
UNITED STATES TREASURY BILLS BILL BILL 912796U31   378,445 382 SH   SOLE   0 0 382
JOHNSON & JOHNSON COM COM 478160104   346,080 1,959 SH   SOLE   0 0 1,959
FIFTH THIRD BANCORP COM COM 316773100   307,167 9,362 SH   SOLE   0 0 9,362
ALPHABET INC COM CL A COM CL A 02079K305   307,040 3,480 SH   SOLE   0 0 3,480
PNC FINANCIAL SERVICES GROUP COM COM 693475105   275,605 1,745 SH   SOLE   0 0 1,745
US BANCORP COM COM 902973304   248,097 5,689 SH   SOLE   0 0 5,689
UNION PACIFIC CORP COM COM 907818108   247,351 1,195 SH   SOLE   0 0 1,195
LOCKHEED MARTIN CORP COM COM 539830109   244,218 502 SH   SOLE   0 0 502
SPDR INDEX SHARES FUNDS PORTFOLIO DEVLPD ETF PORTFOLIO DEVLPD ETF 78463X889   241,701 8,141 SH   SOLE   0 0 8,141
VANGUARD MCAP VL IDXVIP ETF MCAP VL IDXVIP ETF 922908512   235,368 1,740 SH   SOLE   0 0 1,740
ISHARES TRUST CORE S&P500 ETF CORE S&P500 ETF 464287200   234,630 611 SH   SOLE   0 0 611
UNITED STATES TREASURY BILLS BILL BILL 912796YW3   226,528 230 SH   SOLE   0 0 230
PEPSICO INC COM COM 713448108   224,081 1,240 SH   SOLE   0 0 1,240
RAYTHEON TECH CORP COM COM 75513E101   213,206 2,113 SH   SOLE   0 0 2,113
AT&T INC COM COM 00206R102   208,973 11,351 SH   SOLE   0 0 11,351
SOUTHERN CO COM COM 842587107   202,590 2,837 SH   SOLE   0 0 2,837
UNITED STATES TREASURY BILLS BILL BILL 912796XT1   200,362 201 SH   SOLE   0 0 201
HEALTHIER CHOICES MGMT CORP COM COM 42226N109   28 138,000 SH   SOLE   0 0 138,000
PAZOO INC COM COM 70454Q304   2 20,000 SH   SOLE   0 0 20,000
PPJ HEALTHCARE ENTERPRISES INC COM COM 69353D505   5 15,000 SH   SOLE   0 0 15,000
OZOP ENERGY SOLUTIONS INC COM COM 692732209   67 13,350 SH   SOLE   0 0 13,350
QUANTUM-SI INC COM CL A COM CL A 74765K105   20,405 11,150 SH   SOLE   0 0 11,150