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
Expires: July 31, 2015
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
VANGUARD INDEX FDS TOTAL STK MKT 922908769 536,090 1,764 SH SOLE 1,764 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 8,769,979 15,898 SH SOLE 15,898 0 0
ISHARES TR CORE S&P500 ETF 464287200 87,154,103 140,367 SH SOLE 140,367 0 0
ISHARES TR CORE S&P MCP ETF 464287507 26,737,566 431,112 SH SOLE 431,112 0 0
ISHARES TR CORE S&P SCP ETF 464287804 41,401,678 378,824 SH SOLE 378,824 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 1,638,815 67,580 SH SOLE 67,580 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 2,048,725 80,595 SH SOLE 80,595 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,983,941 18,100 SH SOLE 18,100 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,512,892 49,312 SH SOLE 49,312 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,574,920 85,432 SH SOLE 85,432 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,819,584 127,583 SH SOLE 127,583 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,970,337 141,545 SH SOLE 141,545 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,779,982 109,881 SH SOLE 109,881 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,335,967 87,555 SH SOLE 87,555 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 17,226,419 302,165 SH SOLE 302,165 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,290,843 248,501 SH SOLE 248,501 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 5,445,714 40,850 SH SOLE 40,850 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,602,658 59,512 SH SOLE 59,512 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,279,945 79,796 SH SOLE 79,796 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 4,639,080 45,079 SH SOLE 45,079 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9 1,560,318 64,290 SH SOLE 64,290 0 0
ISHARES TR IBONDS DEC 2030 46436E726 2,483,190 112,975 SH SOLE 112,975 0 0
ISHARES TR IBONDS DEC 2032 46436E312 1,863,125 73,685 SH SOLE 73,685 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,027,706 287,549 SH SOLE 287,549 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,010,749 29,368 SH SOLE 29,368 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,045,468 63,465 SH SOLE 63,465 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,729,216 64,092 SH SOLE 64,092 0 0
AMERICAN TOWER CORP NEW COM 03027X100 500,389 2,264 SH SOLE 2,264 0 0
REGENERON PHARMACEUTICALS COM 75886F107 544,950 1,038 SH SOLE 1,038 0 0
ISHARES TR TIPS BD ETF 464287176 1,155,860 10,504 SH SOLE 10,504 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,319,246 1,864 SH SOLE 1,864 0 0
ABBOTT LABS COM 002824100 814,036 5,985 SH SOLE 5,985 0 0
AIR PRODS & CHEMS INC COM 009158106 416,885 1,478 SH SOLE 1,478 0 0
ALPHABET INC CAP STK CL C 02079K107 1,700,815 9,588 SH SOLE 9,588 0 0
AMERICAN EXPRESS CO COM 025816109 561,405 1,760 SH SOLE 1,760 0 0
AMGEN INC COM 031162100 471,586 1,689 SH SOLE 1,689 0 0
APPLE INC COM 037833100 4,011,894 19,554 SH SOLE 19,554 0 0
BANK AMERICA CORP COM 060505104 540,773 11,428 SH SOLE 11,428 0 0
BOEING CO COM 097023105 298,790 1,426 SH SOLE 1,426 0 0
BUILDERS FIRSTSOURCE INC COM 12008R107 283,557 2,430 SH SOLE 2,430 0 0
CANADIAN NATL RY CO COM 136375102 352,175 3,385 SH SOLE 3,385 0 0
CATERPILLAR INC COM 149123101 602,502 1,552 SH SOLE 1,552 0 0
SCHWAB CHARLES CORP COM 808513105 623,899 6,838 SH SOLE 6,838 0 0
CISCO SYS INC COM 17275R102 599,269 8,637 SH SOLE 8,637 0 0
COLGATE PALMOLIVE CO COM 194162103 290,244 3,193 SH SOLE 3,193 0 0
COMCAST CORP NEW CL A 20030N101 322,745 9,043 SH SOLE 9,043 0 0
CONOCOPHILLIPS COM 20825C104 292,911 3,264 SH SOLE 3,264 0 0
CONSTELLATION BRANDS INC CL A 21036P108 306,814 1,886 SH SOLE 1,886 0 0
CORTEVA INC COM 22052L104 744,778 9,993 SH SOLE 9,993 0 0
DEERE & CO COM 244199105 884,264 1,739 SH SOLE 1,739 0 0
ECOLAB INC COM 278865100 260,010 965 SH SOLE 965 0 0
EOG RES INC COM 26875P101 414,807 3,468 SH SOLE 3,468 0 0
EXXON MOBIL CORP COM 30231G102 455,347 4,224 SH SOLE 4,224 0 0
FISERV INC COM 337738108 1,040,839 6,037 SH SOLE 6,037 0 0
GILEAD SCIENCES INC COM 375558103 405,673 3,659 SH SOLE 3,659 0 0
HOLOGIC INC COM 436440101 369,588 5,672 SH SOLE 5,672 0 0
HOWMET AEROSPACE INC COM 443201108 902,731 4,850 SH SOLE 4,850 0 0
JOHNSON & JOHNSON COM 478160104 557,843 3,652 SH SOLE 3,652 0 0
JPMORGAN CHASE & CO. COM 46625H100 3,003,178 10,359 SH SOLE 10,359 0 0
LOWES COS INC COM 548661107 630,333 2,841 SH SOLE 2,841 0 0
MEDTRONIC PLC SHS G5960L103 313,115 3,592 SH SOLE 3,592 0 0
MERCK & CO INC COM 58933Y105 352,183 4,449 SH SOLE 4,449 0 0
META PLATFORMS INC CL A 30303M102 1,315,276 1,782 SH SOLE 1,782 0 0
MICROSOFT CORP COM 594918104 4,875,613 9,802 SH SOLE 9,802 0 0
MORGAN STANLEY COM NEW 617446448 654,858 4,649 SH SOLE 4,649 0 0
NIKE INC CL B 654106103 250,771 3,530 SH SOLE 3,530 0 0
NVIDIA CORPORATION COM 67066G104 1,551,778 9,822 SH SOLE 9,822 0 0
ORACLE CORP COM 68389X105 1,378,025 6,303 SH SOLE 6,303 0 0
PAYPAL HLDGS INC COM 70450Y103 474,979 6,391 SH SOLE 6,391 0 0
PEPSICO INC COM 713448108 359,809 2,725 SH SOLE 2,725 0 0
RTX CORPORATION COM 75513E101 691,989 4,739 SH SOLE 4,739 0 0
TESLA INC COM 88160R101 333,543 1,050 SH SOLE 1,050 0 0
TEXAS INSTRS INC COM 882508104 216,963 1,045 SH SOLE 1,045 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 302,070 5,768 SH SOLE 5,768 0 0
DISNEY WALT CO COM 254687106 495,420 3,995 SH SOLE 3,995 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 448,033 1,105 SH SOLE 1,105 0 0
US BANCORP DEL COM NEW 902973304 456,935 10,098 SH SOLE 10,098 0 0
UNITEDHEALTH GROUP INC COM 91324P102 388,091 1,244 SH SOLE 1,244 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 2,395,858 8,591 SH SOLE 8,591 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 666,019 1,496 SH SOLE 1,496 0 0
VISA INC COM CL A 92826C839 1,052,013 2,963 SH SOLE 2,963 0 0
ALLSTATE CORP COM 020002101 573,733 2,850 SH SOLE 2,850 0 0
AMAZON COM INC COM 023135106 1,436,566 6,548 SH SOLE 6,548 0 0
CITIGROUP INC COM NEW 172967424 228,377 2,683 SH SOLE 2,683 0 0
GE AEROSPACE COM NEW 369604301 397,410 1,544 SH SOLE 1,544 0 0
GENERAL MTRS CO COM 37045V100 367,697 7,472 SH SOLE 7,472 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 380,023 1,515 SH SOLE 1,515 0 0
SALESFORCE INC COM 79466L302 470,936 1,727 SH SOLE 1,727 0 0
SOUTHWEST AIRLS CO COM 844741108 253,454 7,813 SH SOLE 7,813 0 0
WALMART INC COM 931142103 586,778 6,001 SH SOLE 6,001 0 0
WELLS FARGO CO NEW COM 949746101 437,375 5,459 SH SOLE 5,459 0 0
ZOETIS INC CL A 98978V103 369,290 2,368 SH SOLE 2,368 0 0
WINTRUST FINL CORP COM 97650W108 223,164 1,800 SH SOLE 1,800 0 0
REALTY INCOME CORP COM 756109104 468,502 8,132 SH SOLE 8,132 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 261,619 423 SH SOLE 423 0 0
SPDR GOLD TR GOLD SHS 78463V107 650,812 2,135 SH SOLE 2,135 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 211,043 978 SH SOLE 978 0 0
UNITED RENTALS INC COM 911363109 1,145,921 1,521 SH SOLE 1,521 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 435,271 801 SH SOLE 801 0 0