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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 35,248 789,251 SH   SOLE   0 0 789,251
ISHARES TR CORE S&P500 ETF 464287200 27,028 71,285 SH   SOLE   0 0 71,285
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 26,657 556,852 SH   SOLE   0 0 556,852
ISHARES TR CORE US AGGBD ET 464287226 26,217 257,841 SH   SOLE   0 0 257,841
SPDR SER TR BLOMBERG BRC INV 78468R200 19,897 660,799 SH   SOLE   0 0 660,799
ISHARES TR FLTG RATE NT ETF 46429B655 17,542 351,405 SH   SOLE   0 0 351,405
ISHARES TR JPMORGAN USD EMG 464288281 14,554 170,579 SH   SOLE   0 0 170,579
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,032 446,179 SH   SOLE   0 0 446,179
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 13,712 813,781 SH   SOLE   0 0 813,781
ISHARES TR IBOXX HI YD ETF 464288513 12,652 171,875 SH   SOLE   0 0 171,875
ISHARES TR CORE MSCI EAFE 46432F842 12,404 210,768 SH   SOLE   0 0 210,768
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 11,571 455,913 SH   SOLE   0 0 455,913
ISHARES TR NATIONAL MUN ETF 464288414 11,100 104,359 SH   SOLE   0 0 104,359
PIMCO ETF TR INV GRD CRP BD 72201R817 10,471 108,641 SH   SOLE   0 0 108,641
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 10,426 27,637 SH   SOLE   0 0 27,637
ISHARES TR CORE S&P SCP ETF 464287804 9,362 101,310 SH   SOLE   0 0 101,310
ISHARES TR CORE MSCI EMKT 46434G103 9,349 190,568 SH   SOLE   0 0 190,568
ISHARES TR CORE S&P MCP ETF 464287507 9,258 40,921 SH   SOLE   0 0 40,921
APPLE INC COM 037833100 8,856 64,778 SH   SOLE   0 0 64,778
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 8,600 193,957 SH   SOLE   0 0 193,957
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,591 136,957 SH   SOLE   0 0 136,957
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,573 193,994 SH   SOLE   0 0 193,994
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,417 215,884 SH   SOLE   0 0 215,884
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 8,396 318,624 SH   SOLE   0 0 318,624
ISHARES TR 0-5YR HI YL CP 46434V407 8,126 200,389 SH   SOLE   0 0 200,389
ISHARES TR IBOXX INV CP ETF 464287242 8,112 73,724 SH   SOLE   0 0 73,724
SPDR SER TR NUVEEN BRC MUNIC 78468R721 8,088 176,357 SH   SOLE   0 0 176,357
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 8,069 435,470 SH   SOLE   0 0 435,470
ISHARES TR CORE S&P TTL STK 464287150 6,613 78,936 SH   SOLE   0 0 78,936
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,325 219,305 SH   SOLE   0 0 219,305
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 6,161 188,801 SH   SOLE   0 0 188,801
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,371 154,463 SH   SOLE   0 0 154,463
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,223 72,911 SH   SOLE   0 0 72,911
ISHARES TR CORE DIV GRWTH 46434V621 3,250 68,229 SH   SOLE   0 0 68,229
MICROSOFT CORP COM 594918104 2,393 9,317 SH   SOLE   0 0 9,317
ISHARES TR NASDAQ BIOTECH 464287556 2,153 18,305 SH   SOLE   0 0 18,305
SPDR SER TR PRTFLO S&P500 HI 78468R788 2,112 52,929 SH   SOLE   0 0 52,929
SPDR SER TR PORTFOLIO SM ETF 78468R853 2,053 57,058 SH   SOLE   0 0 57,058
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 2,018 50,835 SH   SOLE   0 0 50,835
INVESCO QQQ TR UNIT SER 1 46090E103 1,693 6,040 SH   SOLE   0 0 6,040
ISHARES TR RUS 1000 GRW ETF 464287614 1,611 7,367 SH   SOLE   0 0 7,367
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,559 33,532 SH   SOLE   0 0 33,532
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,526 26,313 SH   SOLE   0 0 26,313
META PLATFORMS INC CL A 30303M102 1,125 6,978 SH   SOLE   0 0 6,978
JPMORGAN CHASE & CO COM 46625H100 1,106 9,821 SH   SOLE   0 0 9,821
JOHNSON & JOHNSON COM 478160104 1,073 6,046 SH   SOLE   0 0 6,046
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,029 7,665 SH   SOLE   0 0 7,665
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,016 20,664 SH   SOLE   0 0 20,664
ISHARES TR 1 3 YR TREAS BD 464287457 1,016 12,266 SH   SOLE   0 0 12,266
MERCK & CO INC COM 58933Y105 803 8,808 SH   SOLE   0 0 8,808
VANGUARD INDEX FDS TOTAL STK MKT 922908769 724 3,838 SH   SOLE   0 0 3,838
AT&T INC COM 00206R102 662 31,590 SH   SOLE   0 0 31,590
SELECT SECTOR SPDR TR ENERGY 81369Y506 660 9,224 SH   SOLE   0 0 9,224
ALPHABET INC CAP STK CL A 02079K305 639 293 SH   SOLE   0 0 293
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 594 2,613 SH   SOLE   0 0 2,613
COCA COLA CONSOLIDATED INC COM 191098102 552 8,781 SH   SOLE   0 0 8,781
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 513 8,222 SH   SOLE   0 0 8,222
ISHARES TR RUS 1000 VAL ETF 464287598 455 3,136 SH   SOLE   0 0 3,136
BANK AMER CORP COM 060505104 441 14,179 SH   SOLE   0 0 14,179
VISA INC COM CL A 92826C839 418 2,123 SH   SOLE   0 0 2,123
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 402 9,863 SH   SOLE   0 0 9,863
ISHARES TR US AER DEF ETF 464288760 386 3,890 SH   SOLE   0 0 3,890
VERIZON COMMUNICATIONS INC COM 92343V104 382 7,520 SH   SOLE   0 0 7,520
PFIZER INC COM 717081103 378 7,216 SH   SOLE   0 0 7,216
CHEVRON CORP NEW COM 166764100 355 2,450 SH   SOLE   0 0 2,450
COLGATE PALMOLIVE CO COM 194162103 346 4,317 SH   SOLE   0 0 4,317
VANGUARD WORLD FDS INF TECH ETF 92204A702 344 1,053 SH   SOLE   0 0 1,053
DISNEY WALT CO COM 254687106 334 3,539 SH   SOLE   0 0 3,539
BRISTOL MYERS SQUIBB CO COM 110122108 332 4,307 SH   SOLE   0 0 4,307
AMAZON COM INC COM 023135106 324 3,047 SH   SOLE   0 0 3,047
HOME DEPOT INC COM 437076102 321 1,170 SH   SOLE   0 0 1,170
Procter & Gamble Co COM 742718109 293 2,038 SH   SOLE   0 0 2,038
CISCO SYS INC COM 17275R102 290 6,807 SH   SOLE   0 0 6,807
QUALCOMM INC COM 747525103 279 2,187 SH   SOLE   0 0 2,187
ISHARES TR RUSSELL 1000 US 46435G169 267 1,285 SH   SOLE   0 0 1,285
NEXTERA ENERGY INC COM 65339F101 264 3,402 SH   SOLE   0 0 3,402
PHILIP MORRIS INTL INC COM 718172109 252 6,038 SH   SOLE   0 0 6,038
PRECISION BIOSCIENCES INC COM 74019P108 248 154,694 SH   SOLE   0 0 154,694
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 247 5,300 SH   SOLE   0 0 5,300
HERSHEY CO COM 427866108 237 1,100 SH   SOLE   0 0 1,100
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 235 1,637 SH   SOLE   0 0 1,637
RESTAURANT BRANDS INTL INC COM 76131D103 235 35,300 SH   SOLE   0 0 35,300
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 233 3,684 SH   SOLE   0 0 3,684
COUPANG INC CL A 22266T109 229 17,970 SH   SOLE   0 0 17,970
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 227 4,535 SH   SOLE   0 0 4,535
CONSOLIDATED EDISON INC COM 209115104 226 2,374 SH   SOLE   0 0 2,374
ALPHABET INC CAP STK CL C 02079K107 221 101 SH   SOLE   0 0 101
ISHARES TR S&P 100 ETF 464287101 217 1,257 SH   SOLE   0 0 1,257
SPDR SER TR PORTFOLIO SHORT 78464A474 214 7,250 SH   SOLE   0 0 7,250
LAS VEGAS SANDS CORP COM 517834107 212 6,300 SH   SOLE   0 0 6,300
INTERNATIONAL BUSINESS MACHS COM 459200101 208 1,470 SH   SOLE   0 0 1,470