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
SPDR S&P 500 ETF TR TR UNIT 78462F103   22,747,748 43,489 SH   SOLE   43,489 0 0
ISHARES TR MBS ETF 464288588   11,000,488 119,027 SH   SOLE   119,027 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   10,791,878 65,664 SH   SOLE   65,664 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   10,756,084 66,045 SH   SOLE   66,045 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,955,548 20,711 SH   SOLE   20,711 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   8,805,826 191,431 SH   SOLE   191,431 0 0
ISHARES TR US TREAS BD ETF 46429B267   7,907,930 347,296 SH   SOLE   347,296 0 0
ISHARES TR CORE S&P500 ETF 464287200   7,202,708 13,700 SH   SOLE   13,700 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   5,147,167 14,954 SH   SOLE   14,954 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   5,129,263 70,120 SH   SOLE   70,120 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   5,009,013 54,023 SH   SOLE   54,023 0 0
ISHARES TR NATIONAL MUN ETF 464288414   4,756,673 44,207 SH   SOLE   44,207 0 0
ISHARES TR CORE US AGGBD ET 464287226   4,532,687 46,280 SH   SOLE   46,280 0 0
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   4,302,094 96,894 SH   SOLE   96,894 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   4,018,381 142,597 SH   SOLE   142,597 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   4,012,900 16,061 SH   SOLE   16,061 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680   3,989,348 118,273 SH   SOLE   118,273 0 0
ISHARES TR EAFE VALUE ETF 464288877   3,974,464 73,060 SH   SOLE   73,060 0 0
ISHARES TR CORE MSCI EAFE 46432F842   3,720,158 50,123 SH   SOLE   50,123 0 0
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   3,480,301 66,342 SH   SOLE   66,342 0 0
ISHARES INC MSCI EMERG MRKT 464286533   3,463,817 61,209 SH   SOLE   61,209 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,432,210 15,015 SH   SOLE   15,015 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,222,878 39,579 SH   SOLE   39,579 0 0
ISHARES TR CORE DIV GRWTH 46434V621   2,952,874 50,859 SH   SOLE   50,859 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,937,571 16,087 SH   SOLE   16,087 0 0
ISHARES TR U.S. TECH ETF 464287721   2,597,879 19,235 SH   SOLE   19,235 0 0
ISHARES TR EAFE GRWTH ETF 464288885   2,350,221 22,644 SH   SOLE   22,644 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   2,232,867 26,250 SH   SOLE   26,250 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   2,091,368 56,954 SH   SOLE   56,954 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,049,140 26,505 SH   SOLE   26,505 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,032,602 40,170 SH   SOLE   40,170 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   2,022,041 29,797 SH   SOLE   29,797 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,870,617 3,362 SH   SOLE   3,362 0 0
ISHARES TR CORE INTL AGGR 46435G672   1,850,847 37,054 SH   SOLE   37,054 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,713,202 9,493 SH   SOLE   9,493 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   1,501,575 17,783 SH   SOLE   17,783 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,312,001 36,253 SH   SOLE   36,253 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,309,453 25,377 SH   SOLE   25,377 0 0
FISERV INC COM 337738108   1,300,775 8,139 SH   SOLE   8,139 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,292,734 21,438 SH   SOLE   21,438 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   1,287,941 28,949 SH   SOLE   28,949 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,280,090 32,806 SH   SOLE   32,806 0 0
ISHARES TR GLOBAL ENERG ETF 464287341   1,261,871 29,380 SH   SOLE   29,380 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,116,785 2,515 SH   SOLE   2,515 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,021,207 24,859 SH   SOLE   24,859 0 0
ISHARES TR CORE MSCI EURO 46434V738   988,078 17,080 SH   SOLE   17,080 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   954,570 34,165 SH   SOLE   34,165 0 0
SPDR SER TR S&P DIVID ETF 78464A763   923,798 7,039 SH   SOLE   7,039 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   757,316 15,095 SH   SOLE   15,095 0 0
TESLA INC COM 88160R101   736,033 4,187 SH   SOLE   4,187 0 0
AMAZON COM INC COM 023135106   705,638 3,912 SH   SOLE   3,912 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   694,463 7,429 SH   SOLE   7,429 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   676,731 7,168 SH   SOLE   7,168 0 0
ALPHABET INC CAP STK CL A 02079K305   656,696 4,351 SH   SOLE   4,351 0 0
HOME DEPOT INC COM 437076102   611,156 1,593 SH   SOLE   1,593 0 0
BROADCOM INC COM 11135F101   608,363 459 SH   SOLE   459 0 0
ISHARES TR JPMORGAN USD EMG 464288281   557,389 6,216 SH   SOLE   6,216 0 0
PROCTER AND GAMBLE CO COM 742718109   541,753 3,339 SH   SOLE   3,339 0 0
ISHARES TR CORE S&P SCP ETF 464287804   538,122 4,869 SH   SOLE   4,869 0 0
MICROSOFT CORP COM 594918104   529,496 1,259 SH   SOLE   1,259 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   512,520 2,499 SH   SOLE   2,499 0 0
ISHARES TR S&P 100 ETF 464287101   500,758 2,024 SH   SOLE   2,024 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   489,889 6,745 SH   SOLE   6,745 0 0
S&P GLOBAL INC COM 78409V104   482,579 1,134 SH   SOLE   1,134 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   477,759 3,234 SH   SOLE   3,234 0 0
JPMORGAN CHASE & CO COM 46625H100   453,880 2,266 SH   SOLE   2,266 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   437,470 10,746 SH   SOLE   10,746 0 0
NVIDIA CORPORATION COM 67066G104   427,525 473 SH   SOLE   473 0 0
JOHNSON & JOHNSON COM 478160104   374,780 2,369 SH   SOLE   2,369 0 0
ALPHABET INC CAP STK CL C 02079K107   363,291 2,386 SH   SOLE   2,386 0 0
ABBVIE INC COM 00287Y109   356,748 1,959 SH   SOLE   1,959 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   355,459 1,933 SH   SOLE   1,933 0 0
SPDR SER TR AEROSPACE DEF 78464A631   351,837 2,504 SH   SOLE   2,504 0 0
ISHARES TR S&P 500 VAL ETF 464287408   341,330 1,827 SH   SOLE   1,827 0 0
VISA INC COM CL A 92826C839   330,152 1,183 SH   SOLE   1,183 0 0
BOEING CO COM 097023105   324,223 1,680 SH   SOLE   1,680 0 0
ISHARES TR IBOXX HI YD ETF 464288513   316,050 4,066 SH   SOLE   4,066 0 0
ISHARES TR INTL DIV GRWTH 46435G524   301,840 4,481 SH   SOLE   4,481 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   300,415 2,385 SH   SOLE   2,385 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   299,729 5,527 SH   SOLE   5,527 0 0
CHEVRON CORP NEW COM 166764100   298,503 1,892 SH   SOLE   1,892 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   268,455 4,363 SH   SOLE   4,363 0 0
DISNEY WALT CO COM 254687106   253,949 2,075 SH   SOLE   2,075 0 0
ZOETIS INC CL A 98978V103   243,832 1,441 SH   SOLE   1,441 0 0
ISHARES TR MSCI EAFE ETF 464287465   230,795 2,890 SH   SOLE   2,890 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   230,748 4,864 SH   SOLE   4,864 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   226,240 538 SH   SOLE   538 0 0
NUVEEN DYNAMIC MUN OPPORTUNI COM SHS 67079X102   225,049 20,666 SH   SOLE   20,666 0 0
ISHARES TR CORE TOTAL USD 46434V613   220,428 4,835 SH   SOLE   4,835 0 0
FIDELITY NATL INFORMATION SV COM 31620M106   218,979 2,952 SH   SOLE   2,952 0 0
CITIGROUP INC COM NEW 172967424   200,787 3,175 SH   SOLE   3,175 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   126,284 10,630 SH   SOLE   10,630 0 0