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
Estimated average burden
hours per response: 23.8
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
YUM BRANDS INC COM 988498101   244,163 1,761 SH   SOLE   0 0 1,761
ISHARES TR RUS 1000 GRW ETF 464287614   454,006 1,347 SH   SOLE   0 0 1,347
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   553,296 9,063 SH   SOLE   0 0 9,063
ISHARES TR IBONDS 27 ETF 46435UAA9   458,317 19,257 SH   SOLE   0 0 19,257
VANGUARD WORLD FD ESG US STK ETF 921910733   224,588 2,410 SH   SOLE   0 0 2,410
ISHARES TR IBDS DEC28 ETF 46435U515   464,727 18,660 SH   SOLE   0 0 18,660
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,251,552 19,246 SH   SOLE   0 0 19,246
ISHARES TR IBONDS 27 TRM TS 46436E841   513,359 23,166 SH   SOLE   0 0 23,166
ISHARES TR IBONDS 24 TRM TS 46436E874   882,835 36,877 SH   SOLE   0 0 36,877
ISHARES TR IBONDS 25 TRM TS 46436E866   992,177 42,711 SH   SOLE   0 0 42,711
ISHARES TR IBONDS 26 TRM TS 46436E858   618,302 27,226 SH   SOLE   0 0 27,226
ISHARES TR IBONDS 29 TRM TS 46436E825   218,333 10,155 SH   SOLE   0 0 10,155
ISHARES TR IBONDS 28 TRM TS 46436E833   673,887 30,722 SH   SOLE   0 0 30,722
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   47,370,448 587,504 SH   SOLE   0 0 587,504
ISHARES TR CORE S&P TTL STK 464287150   80,676,588 699,710 SH   SOLE   0 0 699,710
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   17,173,094 596,288 SH   SOLE   0 0 596,288
NVIDIA CORPORATION COM 67066G104   263,840 292 SH   SOLE   0 0 292
VANGUARD BD INDEX FDS INTERMED TERM 921937819   46,102,501 611,439 SH   SOLE   0 0 611,439
ISHARES TR IBONDS DEC2026 46435GAA0   625,538 26,228 SH   SOLE   0 0 26,228
ISHARES TR IBONDS DEC25 ETF 46434VBD1   622,111 25,075 SH   SOLE   0 0 25,075
ISHARES TR IBONDS DEC24 ETF 46434VBG4   664,451 26,525 SH   SOLE   0 0 26,525