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
ISHARES TR CORE S&P500 ETF 464287200   44,927,050 100,799 SH   SOLE   0 0 100,799
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   43,252,351 825,899 SH   SOLE   0 0 825,899
ISHARES TR FLTG RATE NT ETF 46429B655   27,243,487 536,078 SH   SOLE   0 0 536,078
SPDR SER TR BLOMBERG BRC INV 78468R200   25,975,365 846,379 SH   SOLE   0 0 846,379
ISHARES TR CORE US AGGBD ET 464287226   25,937,765 264,806 SH   SOLE   0 0 264,806
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   24,044,289 520,890 SH   SOLE   0 0 520,890
ISHARES TR CORE MSCI EAFE 46432F842   18,708,282 277,160 SH   SOLE   0 0 277,160
ISHARES TR JPMORGAN USD EMG 464288281   17,077,625 197,338 SH   SOLE   0 0 197,338
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   15,815,359 443,629 SH   SOLE   0 0 443,629
ISHARES TR IBOXX HI YD ETF 464288513   15,521,327 206,758 SH   SOLE   0 0 206,758
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719   13,456,036 769,796 SH   SOLE   0 0 769,796
ISHARES TR CORE S&P MCP ETF 464287507   13,300,096 50,865 SH   SOLE   0 0 50,865
ISHARES TR CORE MSCI EMKT 46434G103   13,217,986 268,168 SH   SOLE   0 0 268,168
ISHARES TR CORE S&P SCP ETF 464287804   12,976,248 130,218 SH   SOLE   0 0 130,218
APPLE INC COM 037833100   12,677,637 65,359 SH   SOLE   0 0 65,359
SPDR TR S&P 500 ETF TR TR UNIT 78462F103   12,203,665 27,530 SH   SOLE   0 0 27,530
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   11,920,975 484,002 SH   SOLE   0 0 484,002
ISHARES TR NATIONAL MUN ETF 464288414   11,147,095 104,442 SH   SOLE   0 0 104,442
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   10,279,828 144,725 SH   SOLE   0 0 144,725
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   10,106,664 193,949 SH   SOLE   0 0 193,949
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,087,864 230,317 SH   SOLE   0 0 230,317
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,314,191 180,158 SH   SOLE   0 0 180,158
ISHARES TR IBOXX INV CP ETF 464287242   9,155,632 84,665 SH   SOLE   0 0 84,665
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   9,077,140 357,790 SH   SOLE   0 0 357,790
ISHARES TR CORE S&P TTL STK 464287150   8,918,711 91,156 SH   SOLE   0 0 91,156
ISHARES TR 0-5YR HI YL CP 46434V407   8,457,841 204,049 SH   SOLE   0 0 204,049
PIMCO ETF TR INV GRD CRP BD 72201R817   8,255,690 87,039 SH   SOLE   0 0 87,039
SPDR SER TR NUVEEN BRC MUNIC 78468R721   8,084,693 175,145 SH   SOLE   0 0 175,145
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,081,273 217,617 SH   SOLE   0 0 217,617
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   6,020,610 175,120 SH   SOLE   0 0 175,120
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   5,254,899 269,620 SH   SOLE   0 0 269,620
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   4,628,467 144,144 SH   SOLE   0 0 144,144
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,175,403 57,497 SH   SOLE   0 0 57,497
ISHARES TR CORE DIV GRWTH 46434V621   3,544,376 68,783 SH   SOLE   0 0 68,783
MICROSOFT CORP COM 594918104   3,509,090 10,304 SH   SOLE   0 0 10,304
ISHARES TR RUS 1000 GRW ETF 464287614   2,686,650 9,763 SH   SOLE   0 0 9,763
UNITED PARCEL SERVICE INC CL B 911312106   2,617,050 14,600 SH   SOLE   0 0 14,600
ISHARES TR 1 3 YR TREAS BD 464287457   2,312,578 28,522 SH   SOLE   0 0 28,522
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   2,297,251 50,060 SH   SOLE   0 0 50,060
INVESCO QQQ TR UNIT SER 1 46090E103   2,269,939 6,145 SH   SOLE   0 0 6,145
ISHARES TR NASDAQ BIOTECH 464287556   2,269,791 17,878 SH   SOLE   0 0 17,878
SPDR SER TR PORTFOLIO SM ETF 78468R853   2,263,311 58,273 SH   SOLE   0 0 58,273
META PLATFORMS INC CL A 30303M102   2,010,008 7,004 SH   SOLE   0 0 7,004
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,919,320 25,608 SH   SOLE   0 0 25,608
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,896,217 39,455 SH   SOLE   0 0 39,455
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,735,560 46,806 SH   SOLE   0 0 46,806
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805   1,609,722 29,569 SH   SOLE   0 0 29,569
JPMORGAN CHASE & CO COM 46625H100   1,494,396 10,275 SH   SOLE   0 0 10,275
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,146,981 7,665 SH   SOLE   0 0 7,665
JOHNSON & JOHNSON COM 478160104   1,105,314 6,678 SH   SOLE   0 0 6,678
MERCK & CO INC COM 58933Y105   1,021,317 8,851 SH   SOLE   0 0 8,851
ALPHABET INC CAP STK CL A 02079K305   881,231 7,362 SH   SOLE   0 0 7,362
SELECT SECTOR SPDR TR ENERGY 81369Y506   861,782 10,617 SH   SOLE   0 0 10,617
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   740,002 2,613 SH   SOLE   0 0 2,613
VANGUARD INDEX FDS TOTAL STK MKT 922908769   638,199 2,897 SH   SOLE   0 0 2,897
ISHARES TR RUS 1000 VAL ETF 464287598   589,734 3,737 SH   SOLE   0 0 3,737
VISA INC COM CL A 92826C839   558,553 2,352 SH   SOLE   0 0 2,352
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   544,301 8,113 SH   SOLE   0 0 8,113
VANGUARD INDEX FDS GROWTH ETF 922908736   536,908 1,897 SH   SOLE   0 0 1,897
SPDR GOLD TR SPDR GOLD TR 78463V107   533,740 2,994 SH   SOLE   0 0 2,994
AMAZON COM INC COM 023135106   526,915 4,042 SH   SOLE   0 0 4,042
NVIDIA CORPORATION COM 67066G104   521,749 1,233 SH   SOLE   0 0 1,233
COCA COLA CONSOLIDATED INC COM 191098102   512,231 8,506 SH   SOLE   0 0 8,506
AT&T INC COM 00206R102   477,008 29,906 SH   SOLE   0 0 29,906
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   475,002 9,863 SH   SOLE   0 0 9,863
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   453,295 2,791 SH   SOLE   0 0 2,791
ISHARES TR US AER DEF ETF 464288760   450,346 3,860 SH   SOLE   0 0 3,860
CHEVRON CORP NEW COM 166764100   432,870 2,751 SH   SOLE   0 0 2,751
BANK AMER CORP COM 060505104   427,538 14,902 SH   SOLE   0 0 14,902
PEPSICO INC COM 713448108   411,294 2,221 SH   SOLE   0 0 2,221
HOME DEPOT INC COM 437076102   410,666 1,322 SH   SOLE   0 0 1,322
PROCTER AND GAMBLE CO COM 742718109   407,270 2,684 SH   SOLE   0 0 2,684
CISCO SYS INC COM 17275R102   398,088 7,694 SH   SOLE   0 0 7,694
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   392,753 964 SH   SOLE   0 0 964
PFIZER INC COM 717081103   391,245 10,666 SH   SOLE   0 0 10,666
SPDR SER TR PORTFOLIO SHORT 78464A474   389,887 13,542 SH   SOLE   0 0 13,542
VANGUARD WORLD FDS INF TECH ETF 92204A702   389,543 881 SH   SOLE   0 0 881
VANGUARD INDEX FDS VALUE ETF 922908744   379,549 2,671 SH   SOLE   0 0 2,671
EXXON MOBIL CORP COM 30231G102   372,908 3,477 SH   SOLE   0 0 3,477
LAS VEGAS SANDS CORP COM 517834107   365,400 6,300 SH   SOLE   0 0 6,300
DISNEY WALT CO COM 254687106   351,643 3,939 SH   SOLE   0 0 3,939
BRISTOL MYERS SQUIBB CO COM 110122108   341,557 5,341 SH   SOLE   0 0 5,341
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   341,377 7,516 SH   SOLE   0 0 7,516
ISHARES TR RUSSELL 1000 US 46435G169   313,206 1,285 SH   SOLE   0 0 1,285
COUPANG INC CL A 22266T109   312,678 17,970 SH   SOLE   0 0 17,970
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   304,081 1,749 SH   SOLE   0 0 1,749
ORACLE CORP COM 68389X105   294,867 2,476 SH   SOLE   0 0 2,476
HERSHEY CO COM 427866108   274,670 1,100 SH   SOLE   0 0 1,100
PHILIP MORRIS INTL INC COM 718172109   273,521 6,038 SH   SOLE   0 0 6,038
COLGATE PALMOLIVE CO COM 194162103   263,994 3,427 SH   SOLE   0 0 3,427
VERIZON COMMUNICATIONS INC COM 92343V104   262,740 7,065 SH   SOLE   0 0 7,065
BOEING CO COM 097023105   262,050 1,241 SH   SOLE   0 0 1,241
ISHARES TR S&P 100 ETF 464287101   260,274 1,257 SH   SOLE   0 0 1,257
NEXTERA ENERGY INC COM 65339F101   259,394 3,496 SH   SOLE   0 0 3,496
INTERNATIONAL BUSINESS MACHS COM 459200101   256,455 1,917 SH   SOLE   0 0 1,917
SPDR SER TR BLOOMBERG HIGH Y 78468R622   256,027 2,782 SH   SOLE   0 0 2,782
ALPHABET INC CAP STK CL C 02079K107   251,618 2,080 SH   SOLE   0 0 2,080
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   251,129 2,589 SH   SOLE   0 0 2,589
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   233,357 4,289 SH   SOLE   0 0 4,289
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   228,652 3,652 SH   SOLE   0 0 3,652
ISHARES TR RUS MD CP GR ETF 464287481   218,770 2,264 SH   SOLE   0 0 2,264
CONSOLIDATED EDISON INC COM 209115104   214,610 2,374 SH   SOLE   0 0 2,374
SOMALOGIC INC CLASS A COM 83444K105   209,228 90,575 SH   SOLE   0 0 90,575
WALMART INC COM 931142103   206,956 1,317 SH   SOLE   0 0 1,317