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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 35,626 841,233 SH   SOLE   0 0 841,233
ISHARES TR CORE S&P500 ETF 464287200 28,622 79,804 SH   SOLE   0 0 79,804
ISHARES TR CORE US AGGBD ET 464287226 23,930 248,392 SH   SOLE   0 0 248,392
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 23,488 518,384 SH   SOLE   0 0 518,384
SPDR SER TR BLOMBERG BRC INV 78468R200 20,863 688,552 SH   SOLE   0 0 688,552
ISHARES TR FLTG RATE NT ETF 46429B655 19,206 382,049 SH   SOLE   0 0 382,049
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,957 460,624 SH   SOLE   0 0 460,624
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 12,746 775,784 SH   SOLE   0 0 775,784
ISHARES TR IBOXX HI YD ETF 464288513 12,518 175,351 SH   SOLE   0 0 175,351
ISHARES TR CORE MSCI EAFE 46432F842 12,212 231,862 SH   SOLE   0 0 231,862
ISHARES TR JPMORGAN USD EMG 464288281 11,895 149,810 SH   SOLE   0 0 149,810
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 10,297 28,828 SH   SOLE   0 0 28,828
ISHARES TR NATIONAL MUN ETF 464288414 10,074 98,205 SH   SOLE   0 0 98,205
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,934 443,461 SH   SOLE   0 0 443,461
ISHARES TR CORE S&P MCP ETF 464287507 9,806 44,722 SH   SOLE   0 0 44,722
ISHARES TR CORE S&P SCP ETF 464287804 9,530 109,300 SH   SOLE   0 0 109,300
PIMCO ETF TR INV GRD CRP BD 72201R817 9,385 102,867 SH   SOLE   0 0 102,867
APPLE INC COM 037833100 8,953 64,781 SH   SOLE   0 0 64,781
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,865 146,448 SH   SOLE   0 0 146,448
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,744 231,334 SH   SOLE   0 0 231,334
ISHARES TR CORE MSCI EMKT 46434G103 8,675 201,841 SH   SOLE   0 0 201,841
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 8,636 205,666 SH   SOLE   0 0 205,666
ISHARES TR 0-5YR HI YL CP 46434V407 7,873 197,114 SH   SOLE   0 0 197,114
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 7,598 304,541 SH   SOLE   0 0 304,541
ISHARES TR IBOXX INV CP ETF 464287242 7,563 73,823 SH   SOLE   0 0 73,823
SPDR SER TR NUVEEN BRC MUNIC 78468R721 7,015 159,471 SH   SOLE   0 0 159,471
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,883 163,916 SH   SOLE   0 0 163,916
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 6,500 383,692 SH   SOLE   0 0 383,692
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,023 233,456 SH   SOLE   0 0 233,456
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 5,656 180,597 SH   SOLE   0 0 180,597
ISHARES TR CORE S&P TTL STK 464287150 5,370 67,509 SH   SOLE   0 0 67,509
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,827 155,500 SH   SOLE   0 0 155,500
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,896 58,652 SH   SOLE   0 0 58,652
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,649 54,900 SH   SOLE   0 0 54,900
ISHARES TR 1 3 YR TREAS BD 464287457 2,566 31,595 SH   SOLE   0 0 31,595
ISHARES TR CORE DIV GRWTH 46434V621 2,550 57,349 SH   SOLE   0 0 57,349
MICROSOFT CORP COM 594918104 2,170 9,319 SH   SOLE   0 0 9,319
ISHARES TR NASDAQ BIOTECH 464287556 2,141 18,305 SH   SOLE   0 0 18,305
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 2,063 53,507 SH   SOLE   0 0 53,507
SPDR SER TR PORTFOLIO SM ETF 78468R853 2,017 59,220 SH   SOLE   0 0 59,220
INVESCO QQQ TR UNIT SER 1 46090E103 1,615 6,045 SH   SOLE   0 0 6,045
ISHARES TR RUS 1000 GRW ETF 464287614 1,550 7,367 SH   SOLE   0 0 7,367
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,505 42,418 SH   SOLE   0 0 42,418
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,461 26,174 SH   SOLE   0 0 26,174
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,182 26,792 SH   SOLE   0 0 26,792
JOHNSON & JOHNSON COM 478160104 988 6,047 SH   SOLE   0 0 6,047
JPMORGAN CHASE & CO COM 46625H100 984 9,421 SH   SOLE   0 0 9,421
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 976 7,665 SH   SOLE   0 0 7,665
META PLATFORMS INC CL A 30303M102 947 6,978 SH   SOLE   0 0 6,978
MERCK & CO INC COM 58933Y105 759 8,808 SH   SOLE   0 0 8,808
VANGUARD INDEX FDS TOTAL STK MKT 922908769 677 3,774 SH   SOLE   0 0 3,774
SELECT SECTOR SPDR TR ENERGY 81369Y506 664 9,224 SH   SOLE   0 0 9,224
ALPHABET INC CAP STK CL A 02079K305 636 6,652 SH   SOLE   0 0 6,652
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 614 2,613 SH   SOLE   0 0 2,613
SPDR SER TR PORTFOLIO SHORT 78464A474 565 19,527 SH   SOLE   0 0 19,527
COCA COLA CONSOLIDATED INC COM 191098102 492 8,781 SH   SOLE   0 0 8,781
AT&T INC COM 00206R102 485 31,641 SH   SOLE   0 0 31,641
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 481 8,222 SH   SOLE   0 0 8,222
BANK AMER CORP COM 060505104 428 14,179 SH   SOLE   0 0 14,179
ISHARES TR RUS 1000 VAL ETF 464287598 426 3,136 SH   SOLE   0 0 3,136
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 383 9,863 SH   SOLE   0 0 9,863
VISA INC COM CL A 92826C839 368 2,073 SH   SOLE   0 0 2,073
ISHARES TR US AER DEF ETF 464288760 355 3,890 SH   SOLE   0 0 3,890
CHEVRON CORP NEW COM 166764100 352 2,450 SH   SOLE   0 0 2,450
AMAZON COM INC COM 023135106 345 3,055 SH   SOLE   0 0 3,055
DISNEY WALT CO COM 254687106 334 3,540 SH   SOLE   0 0 3,540
VANGUARD WORLD FDS INF TECH ETF 92204A702 324 1,053 SH   SOLE   0 0 1,053
HOME DEPOT INC COM 437076102 323 1,170 SH   SOLE   0 0 1,170
PFIZER INC COM 717081103 317 7,241 SH   SOLE   0 0 7,241
BRISTOL MYERS SQUIBB CO COM 110122108 306 4,307 SH   SOLE   0 0 4,307
COLGATE PALMOLIVE CO COM 194162103 303 4,319 SH   SOLE   0 0 4,319
COUPANG INC CL A 22266T109 300 17,970 SH   SOLE   0 0 17,970
VERIZON COMMUNICATIONS INC COM 92343V104 286 7,542 SH   SOLE   0 0 7,542
NEXTERA ENERGY INC COM 65339F101 274 3,497 SH   SOLE   0 0 3,497
CISCO SYS INC COM 17275R102 272 6,807 SH   SOLE   0 0 6,807
Procter & Gamble Co COM 742718109 258 2,042 SH   SOLE   0 0 2,042
ISHARES TR RUSSELL 1000 US 46435G169 254 1,285 SH   SOLE   0 0 1,285
QUALCOMM INC COM 747525103 252 2,228 SH   SOLE   0 0 2,228
PHILIP MORRIS INTL INC COM 718172109 244 6,038 SH   SOLE   0 0 6,038
HERSHEY CO COM 427866108 243 1,100 SH   SOLE   0 0 1,100
LAS VEGAS SANDS CORP COM 517834107 236 6,300 SH   SOLE   0 0 6,300
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 235 5,300 SH   SOLE   0 0 5,300
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 221 1,637 SH   SOLE   0 0 1,637
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 219 4,935 SH   SOLE   0 0 4,935
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 207 3,684 SH   SOLE   0 0 3,684
ISHARES TR S&P 100 ETF 464287101 204 1,257 SH   SOLE   0 0 1,257
CONSOLIDATED EDISON INC COM 209115104 204 2,374 SH   SOLE   0 0 2,374