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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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
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 220,046 450 SH   SOLE   0 0 450
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,625,526 13,580 SH   SOLE   0 0 13,580
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,057,278 8,740 SH   SOLE   0 0 8,740
APPLE INC COM 037833100 BBG001S5N8V8 898,597 4,633 SH   SOLE   0 0 4,633
BNY MELLON ETF TRUST CORE BOND ETF 09661T602 BBG00RYR57H4 963,900 22,950 SH   SOLE   0 0 22,950
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 BBG015H8BXT5 1,371,793 50,732 SH   SOLE   0 0 50,732
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 BBG014YZRRT5 463,671 20,830 SH   SOLE   0 0 20,830
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201 BBG019XRCM29 9,214,187 348,033 SH   SOLE   0 0 348,033
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 BBG019XS8NR3 1,294,704 49,701 SH   SOLE   0 0 49,701
ENDAVA PLC ADS 29260V105 BBG00LBLBCB3 268,583 5,186 SH   SOLE   0 0 5,186
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 225,547 2,103 SH   SOLE   0 0 2,103
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 799,062 10,368 SH   SOLE   0 0 10,368
INNOVATOR ETFS TR EMERGING MKT PWR 45782C623 BBG012S334Q7 622,757 26,517 SH   SOLE   0 0 26,517
INNOVATOR ETFS TR EMRGNG MKT APRIL 45782C359 BBG00SXJPRZ5 231,126 9,384 SH   SOLE   0 0 9,384
INNOVATOR ETFS TR EMRGNG MKT JAN 45782C516 BBG00R878QK8 898,243 31,653 SH   SOLE   0 0 31,653
INNOVATOR ETFS TR EMRGNG MKT JULY 45782C714 BBG00PLZ0MN9 1,133,046 49,156 SH   SOLE   0 0 49,156
INNOVATOR ETFS TR GRWT100 PWR BF 45782C466 BBG00R879TP6 202,627 5,062 SH   SOLE   0 0 5,062
INNOVATOR ETFS TR GRWT100 PWR BF 45782C334 BBG00SXJYPC4 651,198 15,620 SH   SOLE   0 0 15,620
INNOVATOR ETFS TR GRWT100 PWR BUF 45782C615 BBG00QFP06T5 1,676,067 40,271 SH   SOLE   0 0 40,271
INNOVATOR ETFS TR GRWT100 PWR BUF 45782C276 BBG00VSHC6L3 666,124 12,995 SH   SOLE   0 0 12,995
INNOVATOR ETFS TR INTERNATIONAL DV 45782C631 BBG012S32N86 580,067 22,246 SH   SOLE   0 0 22,246
INNOVATOR ETFS TR INTRNL DEV APRL 45782C367 BBG00SXJN914 373,178 14,975 SH   SOLE   0 0 14,975
INNOVATOR ETFS TR INTRNL DEV JAN 45782C524 BBG00R877XM2 555,486 19,069 SH   SOLE   0 0 19,069
INNOVATOR ETFS TR INTRNL DEV JULY 45782C722 BBG00PLYT1X6 475,080 18,085 SH   SOLE   0 0 18,085
INNOVATOR ETFS TR US EQT PWR BUF 45782C870 BBG00NR9QB16 998,194 32,304 SH   SOLE   0 0 32,304
INNOVATOR ETFS TR US EQTY PWR BF 45782C680 BBG00PVP39R2 1,601,964 51,345 SH   SOLE   0 0 51,345
INNOVATOR ETFS TR US EQTY PWR BUF 45782C656 BBG00Q4028Q9 2,730,664 83,481 SH   SOLE   0 0 83,481
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318 BBG00TGM5Q16 1,762,911 59,059 SH   SOLE   0 0 59,059
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540 BBG00QYND1G0 2,169,756 65,197 SH   SOLE   0 0 65,197
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 BBG00MYXKL20 397,024 11,308 SH   SOLE   0 0 11,308
INNOVATOR ETFS TR US EQTY PWR BUF 45782C797 BBG00M4NZTF8 3,840,582 114,747 SH   SOLE   0 0 114,747
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748 BBG00PBD6H63 343,620 10,850 SH   SOLE   0 0 10,850
INNOVATOR ETFS TR US EQTY PWR BUF 45782C383 BBG00S1NDLX9 362,859 10,745 SH   SOLE   0 0 10,745
INNOVATOR ETFS TR US EQTY PWR BUF 45782C417 BBG00RHZ5CR3 316,737 10,287 SH   SOLE   0 0 10,287
INNOVATOR ETFS TR US EQTY PWR BUF 45782C573 BBG00QPZ1F93 3,281,166 96,761 SH   SOLE   0 0 96,761
INNOVATOR ETFS TR US EQTY PWR BUF 45782C813 BBG00LNDTJL3 1,697,996 49,620 SH   SOLE   0 0 49,620
INNOVATOR ETFS TR US SML CP PWR B 45782C599 BBG00QFNSZH9 227,417 8,398 SH   SOLE   0 0 8,398
INNOVATOR ETFS TR US SML CP PWR B 45782C284 BBG00VSHFQQ1 968,307 37,692 SH   SOLE   0 0 37,692
INNOVATOR ETFS TR US SML CP PWR ET 45782C342 BBG00SXJYJL8 993,671 36,081 SH   SOLE   0 0 36,081
INTERCONTINENTAL EXCHANGE IN COM 45866F104 BBG001SDJ4R0 1,156,469 10,227 SH   SOLE   0 0 10,227
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 515,825 3,152 SH   SOLE   0 0 3,152
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 369,611 2,470 SH   SOLE   0 0 2,470
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,148,420 4,392 SH   SOLE   0 0 4,392
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,318,569 13,232 SH   SOLE   0 0 13,232
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,929,479 4,329 SH   SOLE   0 0 4,329
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,344,804 14,095 SH   SOLE   0 0 14,095
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 322,408 4,447 SH   SOLE   0 0 4,447
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 8,998,477 66,720 SH   SOLE   0 0 66,720
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 279,633 2,620 SH   SOLE   0 0 2,620
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 234,922 2,258 SH   SOLE   0 0 2,258
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 1,502,125 29,959 SH   SOLE   0 0 29,959
KRANESHARES TR QUADRTC INT RT 500767736 BBG00NW3SL00 204,230 9,924 SH   SOLE   0 0 9,924
PACER FDS TR US CASH COWS 100 69374H881 BBG00FJQN752 919,439 19,207 SH   SOLE   0 0 19,207
PFIZER INC COM 717081103 BBG001S5V466 225,765 6,155 SH   SOLE   0 0 6,155
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 991,773 17,227 SH   SOLE   0 0 17,227
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 1,795,449 37,358 SH   SOLE   0 0 37,358
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 1,378,393 18,981 SH   SOLE   0 0 18,981
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 19,117,604 365,049 SH   SOLE   0 0 365,049
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 9,747,630 137,233 SH   SOLE   0 0 137,233
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,412,294 32,244 SH   SOLE   0 0 32,244
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 983,550 13,015 SH   SOLE   0 0 13,015
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 6,718,737 92,430 SH   SOLE   0 0 92,430
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 213,508 4,368 SH   SOLE   0 0 4,368
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 333,044 1,177 SH   SOLE   0 0 1,177
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 202,883 2,428 SH   SOLE   0 0 2,428
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 676,836 3,073 SH   SOLE   0 0 3,073
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 927,733 11,739 SH   SOLE   0 0 11,739
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 470,832 6,223 SH   SOLE   0 0 6,223
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,107,783 132,260 SH   SOLE   0 0 132,260