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
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   548,961 2,852 SH   SOLE 0 2,852 0 0
WILLIAMS SONOMA INC COM Stock 969904101   219,940 1,090 SH   SOLE 0 1,090 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   159,775,726 673,534 SH   SOLE 0 673,533 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   10,144,088 152,566 SH   SOLE 0 152,565 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   464,086 11,542 SH   SOLE 0 11,541 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   519,631 3,546 SH   SOLE 0 3,546 0 0
COCA COLA CO COM Stock 191216100   228,766 3,882 SH   SOLE 0 3,882 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   5,604,568 273,995 SH   SOLE 0 273,995 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   73,093,479 827,224 SH   SOLE 0 827,223 0 0
INTEL CORP COM Stock 458140100   273,209 5,437 SH   SOLE 0 5,437 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   4,993,491 10,506 SH   SOLE 0 10,505 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822   478,406 7,459 SH   SOLE 0 7,458 0 0
ISHARES TIPS BOND ETF ETF 464287176   27,456,374 255,432 SH   SOLE 0 255,431 0 0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF ETF 46138J833   2,377,036 104,646 SH   SOLE 0 104,646 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   3,174,872 27,600 SH   SOLE 0 27,600 0 0
PEPSICO INC COM Stock 713448108   268,400 1,580 SH   SOLE 0 1,580 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   303,036 2,222 SH   SOLE 0 2,222 0 0
SPDR GOLD SHARES ETF 78463V107   1,344,116 7,031 SH   SOLE 0 7,031 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   5,380,543 17,748 SH   SOLE 0 17,747 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   198,721,696 3,569,637 SH   SOLE 0 3,569,637 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   102,582,599 2,775,503 SH   SOLE 0 2,775,503 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739   5,663,587 61,958 SH   SOLE 0 61,958 0 0
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783   3,002,296 154,320 SH   SOLE 0 154,320 0 0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF ETF 46138J817   1,811,045 79,676 SH   SOLE 0 79,676 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853   48,338,921 1,329,819 SH   SOLE 0 1,329,819 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   39,657,002 366,346 SH   SOLE 0 366,346 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   2,655,334 7,445 SH   SOLE 0 7,445 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   43,046,133 1,736,431 SH   SOLE 0 1,736,431 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   67,873,025 835,052 SH   SOLE 0 835,051 0 0
PG&E CORP COM Stock 69331C108   308,043 17,085 SH   SOLE 0 17,085 0 0
MICROSOFT CORP COM Stock 594918104   1,321,781 3,515 SH   SOLE 0 3,515 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791   4,868,142 252,235 SH   SOLE 0 252,235 0 0
AMERIPRISE FINL INC COM Stock 03076C106   243,091 640 SH   SOLE 0 640 0 0
INVESCO BULLETSHARES 2028 CORPORATE BOND ETF ETF 46138J643   3,001,460 148,001 SH   SOLE 0 148,001 0 0
INVESCO BULLETSHARES 2026 HIGH YIELD CORP BOND ETF ETF 46138J635   1,257,462 54,365 SH   SOLE 0 54,365 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   2,608,208 12,226 SH   SOLE 0 12,226 0 0
VANGUARD LARGE-CAP ETF ETF 922908637   1,178,010 5,400 SH   SOLE 0 5,400 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   609,951 16,222 SH   SOLE 0 16,222 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   1,413,206 21,917 SH   SOLE 0 21,916 0 0
SCHWAB US TIPS ETF ETF 808524870   6,613,608 126,697 SH   SOLE 0 126,697 0 0
VANGUARD S&P 500 ETF ETF 922908363   2,717,611 6,222 SH   SOLE 0 6,221 0 0
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676   768,451 18,043 SH   SOLE 0 18,043 0 0
VANGUARD S&P SMALL-CAP 600 ETF ETF 921932828   1,737,646 17,518 SH   SOLE 0 17,518 0 0
ELI LILLY & CO COM Stock 532457108   412,707 708 SH   SOLE 0 708 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   794,706 6,834 SH   SOLE 0 6,833 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   2,592,583 12,917 SH   SOLE 0 12,917 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718   3,758,288 37,482 SH   SOLE 0 37,481 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   816,181 7,813 SH   SOLE 0 7,813 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866   1,432,061 19,881 SH   SOLE 0 19,881 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,371,970 13,180 SH   SOLE 0 13,179 0 0
VANECK MORTGAGE REIT INCOME ETF ETF 92189F452   419,005 35,449 SH   SOLE 0 35,448 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   491,583 16,818 SH   SOLE 0 16,817 0 0
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   320,394 6,182 SH   SOLE 0 6,181 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   1,399,191 5,787 SH   SOLE 0 5,787 0 0
CANADIAN PACIFIC KANSAS CITY COM Stock 13646K108   228,009 2,884 SH   SOLE 0 2,884 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   11,449,382 155,668 SH   SOLE 0 155,668 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   730,261 13,008 SH   SOLE 0 13,007 0 0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF ETF 464286475   979,529 16,944 SH   SOLE 0 16,943 0 0
ROCKWELL AUTOMATION INC COM Stock 773903109   336,153 1,083 SH   SOLE 0 1,082 0 0
CISCO SYS INC COM Stock 17275R102   416,790 8,250 SH   SOLE 0 8,250 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885   342,170 5,367 SH   SOLE 0 5,367 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   7,236,026 93,501 SH   SOLE 0 93,500 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   1,118,762 2,342 SH   SOLE 0 2,342 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687   13,519,413 433,453 SH   SOLE 0 433,453 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   256,534 566 SH   SOLE 0 566 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   280,665 1,650 SH   SOLE 0 1,650 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   7,381,879 141,959 SH   SOLE 0 141,959 0 0
CHEVRON CORP NEW COM Stock 166764100   234,124 1,570 SH   SOLE 0 1,569 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   77,335,718 1,614,524 SH   SOLE 0 1,614,524 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   1,334,615 10,679 SH   SOLE 0 10,679 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   258,245 1,579 SH   SOLE 0 1,579 0 0
ORACLE CORP COM Stock 68389X105   426,992 4,050 SH   SOLE 0 4,050 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   29,642,955 721,240 SH   SOLE 0 721,239 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   25,691,066 230,145 SH   SOLE 0 230,144 0 0
CATERPILLAR INC COM Stock 149123101   243,928 825 SH   SOLE 0 825 0 0
AMERICAN EXPRESS CO COM Stock 025816109   348,078 1,858 SH   SOLE 0 1,858 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   1,358,496 21,947 SH   SOLE 0 21,946 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   81,547,602 821,638 SH   SOLE 0 821,638 0 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   6,092,101 291,697 SH   SOLE 0 291,697 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   5,531,884 20,209 SH   SOLE 0 20,208 0 0
SPDR DOW JONES REIT ETF ETF 78464A607   3,424,509 35,926 SH   SOLE 0 35,926 0 0
EXXON MOBIL CORP COM Stock 30231G102   302,939 3,030 SH   SOLE 0 3,030 0 0
LOWES COS INC COM Stock 548661107   278,188 1,250 SH   SOLE 0 1,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   4,581,307 16,530 SH   SOLE 0 16,530 0 0
ISHARES MSCI EAFE ETF ETF 464287465   2,224,201 29,518 SH   SOLE 0 29,518 0 0
APPLE INC COM Stock 037833100   3,335,433 17,324 SH   SOLE 0 17,324 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   303,736 2,952 SH   SOLE 0 2,952 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   5,461,184 33,048 SH   SOLE 0 33,048 0 0