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
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   41,187,757 851,515 SH   SOLE   0 0 851,515
ISHARES TR CORE S&P500 ETF 464287200   34,899,407 84,897 SH   SOLE   0 0 84,897
SPDR SER TR BLOMBERG BRC INV 78468R200   25,052,458 823,282 SH   SOLE   0 0 823,282
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   24,319,743 518,434 SH   SOLE   0 0 518,434
ISHARES TR FLTG RATE NT ETF 46429B655   22,785,812 452,189 SH   SOLE   0 0 452,189
ISHARES TR CORE US AGGBD ET 464287226   21,790,623 218,694 SH   SOLE   0 0 218,694
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   16,056,427 461,392 SH   SOLE   0 0 461,392
ISHARES TR CORE MSCI EAFE 46432F842   16,000,183 239,345 SH   SOLE   0 0 239,345
ISHARES TR JPMORGAN USD EMG 464288281   15,429,303 178,828 SH   SOLE   0 0 178,828
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719   13,356,848 762,813 SH   SOLE   0 0 762,813
ISHARES TR IBOXX HI YD ETF 464288513   13,161,311 174,207 SH   SOLE   0 0 174,207
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   11,839,601 482,855 SH   SOLE   0 0 482,855
SPDR TR S&P 500 ETF TR TR UNIT 78462F103   11,447,517 27,962 SH   SOLE   0 0 27,962
ISHARES TR CORE MSCI EMKT 46434G103   10,843,806 222,255 SH   SOLE   0 0 222,255
ISHARES TR CORE S&P MCP ETF 464287507   10,843,233 43,345 SH   SOLE   0 0 43,345
APPLE INC COM 037833100   10,675,054 64,737 SH   SOLE   0 0 64,737
ISHARES TR CORE S&P SCP ETF 464287804   10,602,257 109,641 SH   SOLE   0 0 109,641
ISHARES TR NATIONAL MUN ETF 464288414   10,598,492 98,371 SH   SOLE   0 0 98,371
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   9,787,177 144,247 SH   SOLE   0 0 144,247
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   9,643,116 229,981 SH   SOLE   0 0 229,981
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   9,500,652 197,314 SH   SOLE   0 0 197,314
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   9,211,010 357,154 SH   SOLE   0 0 357,154
PIMCO ETF TR INV GRD CRP BD 72201R817   8,378,727 87,097 SH   SOLE   0 0 87,097
ISHARES TR 0-5YR HI YL CP 46434V407   8,318,505 199,580 SH   SOLE   0 0 199,580
SPDR SER TR NUVEEN BRC MUNIC 78468R721   7,984,823 170,543 SH   SOLE   0 0 170,543
ISHARES TR IBOXX INV CP ETF 464287242   7,959,682 72,618 SH   SOLE   0 0 72,618
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,799,394 162,997 SH   SOLE   0 0 162,997
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,169,039 223,195 SH   SOLE   0 0 223,195
ISHARES TR CORE S&P TTL STK 464287150   6,247,897 68,999 SH   SOLE   0 0 68,999
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,816,453 170,421 SH   SOLE   0 0 170,421
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   5,134,546 267,703 SH   SOLE   0 0 267,703
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   4,579,664 140,956 SH   SOLE   0 0 140,956
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,952,788 54,029 SH   SOLE   0 0 54,029
ISHARES TR 1 3 YR TREAS BD 464287457   2,825,830 34,394 SH   SOLE   0 0 34,394
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,816,936 57,736 SH   SOLE   0 0 57,736
ISHARES TR CORE DIV GRWTH 46434V621   2,795,123 55,914 SH   SOLE   0 0 55,914
MICROSOFT CORP COM 594918104   2,752,785 9,548 SH   SOLE   0 0 9,548
ISHARES TR NASDAQ BIOTECH 464287556   2,309,122 17,878 SH   SOLE   0 0 17,878
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   2,165,053 49,273 SH   SOLE   0 0 49,273
SPDR SER TR PORTFOLIO SM ETF 78468R853   2,139,886 56,656 SH   SOLE   0 0 56,656
INVESCO QQQ TR UNIT SER 1 46090E103   1,971,987 6,145 SH   SOLE   0 0 6,145
ISHARES TR RUS 1000 GRW ETF 464287614   1,799,795 7,366 SH   SOLE   0 0 7,366
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,677,541 25,741 SH   SOLE   0 0 25,741
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,593,333 41,930 SH   SOLE   0 0 41,930
META PLATFORMS INC CL A 30303M102   1,474,043 6,955 SH   SOLE   0 0 6,955
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805   1,304,207 25,862 SH   SOLE   0 0 25,862
JPMORGAN CHASE & CO COM 46625H100   1,281,078 9,831 SH   SOLE   0 0 9,831
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,108,503 7,665 SH   SOLE   0 0 7,665
JOHNSON & JOHNSON COM 478160104   1,007,023 6,497 SH   SOLE   0 0 6,497
MERCK & CO INC COM 58933Y105   937,828 8,815 SH   SOLE   0 0 8,815
SELECT SECTOR SPDR TR ENERGY 81369Y506   764,024 9,224 SH   SOLE   0 0 9,224
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   659,913 2,613 SH   SOLE   0 0 2,613
ALPHABET INC CAP STK CL A 02079K305   642,296 6,192 SH   SOLE   0 0 6,192
AT&T INC COM 00206R102   629,480 32,700 SH   SOLE   0 0 32,700
VANGUARD INDEX FDS TOTAL STK MKT 922908769   585,052 2,866 SH   SOLE   0 0 2,866
SPDR SER TR PORTFOLIO SHORT 78464A474   569,442 19,481 SH   SOLE   0 0 19,481
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   535,592 8,167 SH   SOLE   0 0 8,167
VISA INC COM CL A 92826C839   525,547 2,331 SH   SOLE   0 0 2,331
COCA COLA CONSOLIDATED INC COM 191098102   525,456 8,471 SH   SOLE   0 0 8,471
ISHARES TR RUS 1000 VAL ETF 464287598   477,413 3,136 SH   SOLE   0 0 3,136
VANGUARD INDEX FDS GROWTH ETF 922908736   460,784 1,847 SH   SOLE   0 0 1,847
ISHARES TR US AER DEF ETF 464288760   444,209 3,860 SH   SOLE   0 0 3,860
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   438,213 9,863 SH   SOLE   0 0 9,863
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   429,797 2,791 SH   SOLE   0 0 2,791
CHEVRON CORP NEW COM 166764100   412,142 2,526 SH   SOLE   0 0 2,526
BANK AMER CORP COM 060505104   405,491 14,178 SH   SOLE   0 0 14,178
CISCO SYS INC COM 17275R102   401,315 7,677 SH   SOLE   0 0 7,677
HOME DEPOT INC COM 437076102   386,017 1,308 SH   SOLE   0 0 1,308
VANGUARD INDEX FDS VALUE ETF 922908744   376,074 2,723 SH   SOLE   0 0 2,723
DISNEY WALT CO COM 254687106   371,949 3,715 SH   SOLE   0 0 3,715
LAS VEGAS SANDS CORP COM 517834107   361,935 6,300 SH   SOLE   0 0 6,300
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   345,736 7,516 SH   SOLE   0 0 7,516
VANGUARD WORLD FDS INF TECH ETF 92204A702   339,599 881 SH   SOLE   0 0 881
AMAZON COM INC COM 023135106   324,124 3,138 SH   SOLE   0 0 3,138
COLGATE PALMOLIVE CO COM 194162103   310,023 4,125 SH   SOLE   0 0 4,125
PROCTER AND GAMBLE CO COM 742718109   303,625 2,042 SH   SOLE   0 0 2,042
BRISTOL MYERS SQUIBB CO COM 110122108   298,518 4,307 SH   SOLE   0 0 4,307
ISHARES TR RUSSELL 1000 US 46435G169   289,421 1,285 SH   SOLE   0 0 1,285
COUPANG INC CL A 22266T109   287,520 17,970 SH   SOLE   0 0 17,970
HERSHEY CO COM 427866108   279,851 1,100 SH   SOLE   0 0 1,100
PFIZER INC COM 717081103   275,050 6,741 SH   SOLE   0 0 6,741
NEXTERA ENERGY INC COM 65339F101   272,289 3,533 SH   SOLE   0 0 3,533
PHILIP MORRIS INTL INC COM 718172109   269,416 6,038 SH   SOLE   0 0 6,038
BOEING CO COM 097023105   262,351 1,235 SH   SOLE   0 0 1,235
SPDR SER TR BLOOMBERG HIGH Y 78468R622   259,525 2,796 SH   SOLE   0 0 2,796
VERIZON COMMUNICATIONS INC COM 92343V104   246,449 6,337 SH   SOLE   0 0 6,337
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   246,047 4,602 SH   SOLE   0 0 4,602
NVIDIA CORPORATION COM 67066G104   237,606 855 SH   SOLE   0 0 855
ISHARES TR S&P 100 ETF 464287101   235,109 1,257 SH   SOLE   0 0 1,257
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   228,067 3,652 SH   SOLE   0 0 3,652
CONSOLIDATED EDISON INC COM 209115104   227,121 2,374 SH   SOLE   0 0 2,374
PEPSICO INC COM 713448108   226,754 1,244 SH   SOLE   0 0 1,244
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   223,135 593 SH   SOLE   0 0 593
ALPHABET INC CAP STK CL C 02079K107   210,080 2,020 SH   SOLE   0 0 2,020