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
AMAZON COM INC COM Stock 023135106   99,120 1,180 SH   SOLE   1,180 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   489,470 3,934 SH   SOLE   3,934 0 0
INVESCO BULLETSHARES 2023 HIGH YIELD CORPORATE BOND ETF ETF 46138J858   2,924,000 125,440 SH   SOLE   125,440 0 0
ELEVANCE HEALTH INC COM Stock 036752103   39,125 77 SH   SOLE   77 0 0
JOHNSON & JOHNSON COM Stock 478160104   14,309 81 SH   SOLE   81 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   104,947,043 548,915 SH   SOLE   548,915 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   10,723,779 180,020 SH   SOLE   180,020 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   437,425 11,542 SH   SOLE   11,542 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   537,432 3,546 SH   SOLE   3,546 0 0
COCA COLA CO COM Stock 191216100   14,758 232 SH   SOLE   232 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   4,604,537 228,627 SH   SOLE   228,627 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   56,979,810 690,832 SH   SOLE   690,832 0 0
INVESCO DB COMMODITY INDEX TRACKING FUND ETF 46138B103   5 1 SH   SOLE   1 0 0
INTEL CORP COM Stock 458140100   6,264 237 SH   SOLE   237 0 0
WELLS FARGO CO NEW PERP PFD CNV A Convertible Preferred 949746804   91,245 77 SH   SOLE   77 0 0
MERCK & CO INC COM Stock 58933Y105   110,839 999 SH   SOLE   999 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   4,163,891 10,888 SH   SOLE   10,888 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822   446,614 8,204 SH   SOLE   8,204 0 0
ISHARES TIPS BOND ETF ETF 464287176   39,700,092 372,981 SH   SOLE   372,981 0 0
PRIORITY TECHNOLOGY HLDGS INC COM Stock 74275G107   1,250,439 237,726 SH   SOLE   237,726 0 0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF ETF 46138J833   2,292,624 103,645 SH   SOLE   103,645 0 0
PARSONS CORP DEL COM Stock 70202L102   46,250 1,000 SH   SOLE   1,000 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   2,576,859 25,065 SH   SOLE   25,065 0 0
BP PLC SPONSORED ADR ADR 055622104   151,736 4,344 SH   SOLE   4,344 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   38,724 163 SH   SOLE   163 0 0
DUPONT DE NEMOURS INC COM Stock 26614N102   43,786 638 SH   SOLE   638 0 0
SPDR GOLD SHARES ETF 78463V107   1,126,579 6,641 SH   SOLE   6,641 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   4,046,955 18,890 SH   SOLE   18,890 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   132,100,785 2,948,021 SH   SOLE   2,948,021 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   84,872,589 2,634,977 SH   SOLE   2,634,977 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739   2,147,269 25,506 SH   SOLE   25,506 0 0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF ETF 46138J817   1,579,187 71,425 SH   SOLE   71,425 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853   45,374,658 1,314,065 SH   SOLE   1,314,065 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   31,868,577 336,735 SH   SOLE   336,735 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   3,970,601 12,854 SH   SOLE   12,854 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   35,971,459 1,519,707 SH   SOLE   1,519,707 0 0
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101   80,767 240 SH   SOLE   240 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   48,576,190 626,709 SH   SOLE   626,709 0 0
MICROSOFT CORP COM Stock 594918104   423,762 1,767 SH   SOLE   1,767 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791   2,369,753 125,219 SH   SOLE   125,219 0 0
AMERIPRISE FINL INC COM Stock 03076C106   199,277 640 SH   SOLE   640 0 0
INVESCO BULLETSHARES 2026 HIGH YIELD CORP BOND ETF ETF 46138J635   908 41 SH   SOLE   41 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   2,157,251 11,754 SH   SOLE   11,754 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   1,285,313 23,184 SH   SOLE   23,184 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   100,085 314 SH   SOLE   314 0 0
SCHWAB US TIPS ETF ETF 808524870   3,951,642 76,302 SH   SOLE   76,302 0 0
DOW INC COM Stock 260557103   32,149 638 SH   SOLE   638 0 0
INVESCO BULLETSHARES 2024 USD EMERGING MARKETS DEBT ETF ETF 46138J650   301,460 12,527 SH   SOLE   12,527 0 0
VANGUARD S&P 500 ETF ETF 922908363   2,190,918 6,236 SH   SOLE   6,236 0 0
ATLAS AIR WORLDWIDE HLDGS INC COM NEW Stock 049164205   120,960 1,200 SH   SOLE   1,200 0 0
CORTEVA INC COM Stock 22052L104   37,502 638 SH   SOLE   638 0 0
VANGUARD S&P SMALL-CAP 600 ETF ETF 921932828   761,722 4,396 SH   SOLE   4,396 0 0
INVESCO BULLETSHARES 2023 USD EMERGING MARKETS DEBT ETF ETF 46138J668   287,861 12,376 SH   SOLE   12,376 0 0
LILLY ELI & CO COM Stock 532457108   276,575 756 SH   SOLE   756 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   700,057 6,646 SH   SOLE   6,646 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   2,186,742 12,542 SH   SOLE   12,542 0 0
SYSCO CORP COM Stock 871829107   84,095 1,100 SH   SOLE   1,100 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   45,329 376 SH   SOLE   376 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   685,390 8,199 SH   SOLE   8,199 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866   1,327,534 20,630 SH   SOLE   20,630 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,956,447 12,321 SH   SOLE   12,321 0 0
CENTRAL GARDEN & PET CO CL A NON-VTG Stock 153527205   106,863 2,985 SH   SOLE   2,985 0 0
VANECK MORTGAGE REIT INCOME ETF ETF 92189F452   346,923 29,728 SH   SOLE   29,728 0 0
VIATRIS INC COM Stock 92556V106   2,716 244 SH   SOLE   244 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839   411 9 SH   SOLE   9 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538   84,637 471 SH   SOLE   471 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   23,093 306 SH   SOLE   306 0 0
AFFIRM HLDGS INC COM CL A Stock 00827B106   9,670 1,000 SH   SOLE   1,000 0 0
APPLOVIN CORP COM CL A Stock 03831W108   36,855 3,500 SH   SOLE   3,500 0 0
DIMENSIONAL US CORE EQUITY 2 ETF ETF 25434V708   407,355 16,778 SH   SOLE   16,778 0 0
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   253,540 6,094 SH   SOLE   6,094 0 0
BAKKT HOLDINGS INC COM CL A Stock 05759B107   95 80 SH   SOLE   80 0 0
KYNDRYL HLDGS INC COMMON STOCK Stock 50155Q100   167 15 SH   SOLE   15 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   1,170,363 5,837 SH   SOLE   5,837 0 0
VANGUARD VALUE ETF ETF 922908744   101,708 725 SH   SOLE   725 0 0
VANGUARD GROWTH ETF ETF 922908736   117,750 553 SH   SOLE   553 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267   11 1 SH   SOLE   1 0 0
REVELATION BIOSCIENCES INC COM Stock 76135L101   16,319 85,844 SH   SOLE   85,844 0 0
DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724   55,683 1,664 SH   SOLE   1,664 0 0
PALO ALTO NETWORKS INC COM Stock 697435105   41,862 300 SH   SOLE   300 0 0
MONDELEZ INTL INC CL A Stock 609207105   8,731 131 SH   SOLE   131 0 0
SPDR MSCI ACWI EX-US ETF ETF 78463X848   23 1 SH   SOLE   1 0 0
NVIDIA CORPORATION COM Stock 67066G104   5,860,556 40,103 SH   SOLE   40,103 0 0
SPDR DOW JONES INTERNATIONAL REAL ESTATE ETF ETF 78463X863   690,443 25,792 SH   SOLE   25,792 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   5,889,139 81,976 SH   SOLE   81,976 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   646,794 12,900 SH   SOLE   12,900 0 0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF ETF 464286475   903,558 18,715 SH   SOLE   18,715 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   95,890 447 SH   SOLE   447 0 0
ROCKWELL AUTOMATION INC COM Stock 773903109   278,868 1,083 SH   SOLE   1,083 0 0
MCDONALDS CORP COM Stock 580135101   39,739 151 SH   SOLE   151 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107   13,084 202 SH   SOLE   202 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885   3,201,903 52,508 SH   SOLE   52,508 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   6,815,214 92,561 SH   SOLE   92,561 0 0
WELLS FARGO CO NEW COM Stock 949746101   8,960 217 SH   SOLE   217 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687   14,621,309 478,917 SH   SOLE   478,917 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102   54,828 101 SH   SOLE   101 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   275,353 566 SH   SOLE   566 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   221,265 1,650 SH   SOLE   1,650 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   3,957,734 79,939 SH   SOLE   79,939 0 0
CHEVRON CORP NEW COM Stock 166764100   25,958 145 SH   SOLE   145 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   697,788 6,613 SH   SOLE   6,613 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   67,224,961 1,601,739 SH   SOLE   1,601,739 0 0
ISHARES MORTGAGE REAL ESTATE ETF ETF 46435G342   88,739 3,911 SH   SOLE   3,911 0 0
VANGUARD CONSUMER DISCRETIONARY ETF ETF 92204A108   94,363 431 SH   SOLE   431 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   1,171,844 9,367 SH   SOLE   9,367 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   81,575 579 SH   SOLE   579 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   36,432 361 SH   SOLE   361 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   27,105,208 695,362 SH   SOLE   695,362 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   66,656,148 615,989 SH   SOLE   615,989 0 0
PFIZER INC COM Stock 717081103   156,436 3,053 SH   SOLE   3,053 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   577 6 SH   SOLE   6 0 0
3M CO COM Stock 88579Y101   41,732 348 SH   SOLE   348 0 0
AMERICAN EXPRESS CO COM Stock 025816109   274,520 1,858 SH   SOLE   1,858 0 0
PAYCOM SOFTWARE INC COM Stock 70432V102   51,822 167 SH   SOLE   167 0 0
VANGUARD UTILITIES ETF ETF 92204A876   50,551 330 SH   SOLE   330 0 0
ISHARES CORE S&P U.S. GROWTH ETF ETF 464287671   41,774 513 SH   SOLE   513 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   187,209 1,233 SH   SOLE   1,233 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   1,229,548 21,770 SH   SOLE   21,770 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   51,358,189 529,521 SH   SOLE   529,521 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866   6,598,406 314,510 SH   SOLE   314,510 0 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   6,180,836 301,724 SH   SOLE   301,724 0 0
PLUG POWER INC COM NEW Stock 72919P202   49 4 SH   SOLE   4 0 0
BK OF AMERICA CORP 7.25CNV PFD L Convertible Preferred 060505682   91,640 79 SH   SOLE   79 0 0
PHILIP MORRIS INTL INC COM Stock 718172109   44,836 443 SH   SOLE   443 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105   40,749 258 SH   SOLE   258 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   4,638,144 21,018 SH   SOLE   21,018 0 0
SPDR DOW JONES REIT ETF ETF 78464A607   3,640,715 41,776 SH   SOLE   41,776 0 0
ALTRIA GROUP INC COM Stock 02209S103   8,685 190 SH   SOLE   190 0 0
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281   21,425,454 253,286 SH   SOLE   253,286 0 0
EXXON MOBIL CORP COM Stock 30231G102   334,209 3,030 SH   SOLE   3,030 0 0
VANGUARD MEGA CAP VALUE ETF ETF 921910840   6 1 SH   SOLE   1 0 0
LOWES COS INC COM Stock 548661107   290,890 1,460 SH   SOLE   1,460 0 0
LINCOLN NATL CORP IND COM Stock 534187109   19,661 640 SH   SOLE   640 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886   131,668 1,868 SH   SOLE   1,868 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   2,834,978 11,721 SH   SOLE   11,721 0 0
ISHARES MSCI EAFE ETF ETF 464287465   1,940,346 29,561 SH   SOLE   29,561 0 0
APPLE INC COM Stock 037833100   1,926,152 14,825 SH   SOLE   14,825 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   164,208 1,906 SH   SOLE   1,906 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102   12,576 76 SH   SOLE   76 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,365,554 28,788 SH   SOLE   28,788 0 0