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
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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
VANGUARD INDEX FDS VALUE ETF 922908744   35,751 254,691 SH   SOLE N/A 0 0 254,691
VANGUARD INDEX FDS GROWTH ETF 922908736   24,745 116,113 SH   SOLE N/A 0 0 116,113
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,722 207,822 SH   SOLE N/A 0 0 207,822
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,707 14,161 SH   SOLE N/A 0 0 14,161
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,547 68,873 SH   SOLE N/A 0 0 68,873
Schwab Strategic TR US MID-CAP ETF 808524508   3,201 48,794 SH   SOLE N/A 0 0 48,794
ISHARES TR CORE MSCI EAFE 46432F842   4,234 68,682 SH   SOLE N/A 0 0 68,682
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,613 119,020 SH   SOLE N/A 0 0 119,020
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,063 75,601 SH   SOLE N/A 0 0 75,601
PROSHARES TR II VIX MDTRM FUTR N 74347W338   1,451 47,779 SH   SOLE N/A 0 0 47,779
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,891 30,801 SH   SOLE N/A 0 0 30,801
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   915 11,090 SH   SOLE N/A 0 0 11,090
VANGUARD INDEX FDS MID CAP ETF 922908629   1,121 5,501 SH   SOLE N/A 0 0 5,501
SPDR SER TR PORTFOLIO S&P500 78464A854   1,344 29,886 SH   SOLE N/A 0 0 29,886
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,145 15,682 SH   SOLE N/A 0 0 15,682
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,960 38,680 SH   SOLE N/A 0 0 38,680
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,039 6,843 SH   SOLE N/A 0 0 6,843
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,249 37,904 SH   SOLE N/A 0 0 37,904
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   950 7,028 SH   SOLE N/A 0 0 7,028
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,042 5,675 SH   SOLE N/A 0 0 5,675
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   839 4,666 SH   SOLE N/A 0 0 4,666
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   683 15,136 SH   SOLE N/A 0 0 15,136
WARNER BROS DISCOVERY INC COM SER A 934423104   104 10,940 SH   SOLE N/A 0 0 10,940
SPDR SER TR PRTFLO S&P500 VL 78464A508   702 18,056 SH   SOLE N/A 0 0 18,056
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   701 21,774 SH   SOLE N/A 0 0 21,774
ISHARES TR 1 3 YR TREAS BD 464287457   225 2,770 SH   SOLE N/A 0 0 2,770
ISHARES TR IBONDS 24 TRM TS 46436E874   1,947 81,646 SH   SOLE N/A 0 0 81,646
Apple Inc COM 037833100   643 4,950 SH   SOLE N/A 0 0 4,950
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   686 2,220 SH   SOLE N/A 0 0 2,220
PROCTER AND GAMBLE CO COM 742718109   1,515 9,998 SH   SOLE N/A 0 0 9,998
ISHARES TR IBONDS 25 TRM TS 46436E866   1,114 47,868 SH   SOLE N/A 0 0 47,868
PACER FDS TR US CASH COWS 100 69374H881   438 9,465 SH   SOLE N/A 0 0 9,465
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   691 12,540 SH   SOLE N/A 0 0 12,540
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   911 2,593 SH   SOLE N/A 0 0 2,593
Tesla Inc COM 88160R101   224 1,815 SH   SOLE N/A 0 0 1,815
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,142 2,986 SH   SOLE N/A 0 0 2,986
ISHARES TR IBONDS 23 TRM TS 46436E882   2,292 92,797 SH   SOLE N/A 0 0 92,797
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   289 3,056 SH   SOLE N/A 0 0 3,056
GUGGENHEIM STRATEGIC OPPORTU COM SBI 40167F101   214 14,088 SH   SOLE N/A 0 0 14,088
CONOCOPHILLIPS COM 20825C104   952 8,065 SH   SOLE N/A 0 0 8,065
EVERBRIDGE INC COM 29978A104   740 25,000 SH   SOLE N/A 0 0 25,000
NORTHROP GRUMMAN CORP COM 666807102   609 1,117 SH   SOLE N/A 0 0 1,117
ISHARES TR IBONDS DEC24 ETF 46434VBG4   548 22,430 SH   SOLE N/A 0 0 22,430
MICROSOFT CORP COM 594918104   481 2,005 SH   SOLE N/A 0 0 2,005
CBRE GROUP INC CL A 12504L109   431 5,604 SH   SOLE N/A 0 0 5,604
EXXON MOBIL CORP COM 30231G102   622 5,636 SH   SOLE N/A 0 0 5,636
COLGATE PALMOLIVE CO COM 194162103   225 2,862 SH   SOLE N/A 0 0 2,862
TRUECAR INC COM 89785L107   49 19,633 SH   SOLE N/A 0 0 19,633
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,565 20,719 SH   SOLE N/A 0 0 20,719
ISHARES TR IBONDS DEC25 ETF 46434VBD1   788 32,412 SH   SOLE N/A 0 0 32,412
PFIZER INC COM 717081103   374 7,296 SH   SOLE N/A 0 0 7,296
ISHARES TR IBONDS DEC23 ETF 46434VAX8   360 14,377 SH   SOLE N/A 0 0 14,377
ISHARES TR CORE S&P 500 ETF 464287200   357 928 SH   SOLE N/A 0 0 928
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   320 1,670 SH   SOLE N/A 0 0 1,670
VANGUARD WORLD FDS UTILITIES ETF 92204A876   307 2,000 SH   SOLE N/A 0 0 2,000
ISHARES TR SP SMCP600VL ETF 464287879   300 3,286 SH   SOLE N/A 0 0 3,286
WISDOMTREE TR US EFFICIENT COR 97717Y790   279 8,597 SH   SOLE N/A 0 0 8,597
ISHARES TR CORE S&P SCP ETF 464287804   269 2,840 SH   SOLE N/A 0 0 2,840
ISHARES TR CORE S&P US VLU 464287663   263 3,725 SH   SOLE N/A 0 0 3,725
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   242 4,825 SH   SOLE N/A 0 0 4,825
ISHARES TR CORE S&P US GWT 464287671   237 2,909 SH   SOLE N/A 0 0 2,909
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   231 5,935 SH   SOLE N/A 0 0 5,935
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   225 2,077 SH   SOLE N/A 0 0 2,077
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   221 1,624 SH   SOLE N/A 0 0 1,624
ISHARES TR CORE S&P MCP ETF 464287507   212 876 SH   SOLE N/A 0 0 876
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   210 1,500 SH   SOLE N/A 0 0 1,500
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   201 1,616 SH   SOLE N/A 0 0 1,616