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
ISHARES TR CORE HIGH DV ETF 46429B663 26,700,358 227,877 SH SOLE 0 0 227,877
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 22,452,177 490,758 SH SOLE 0 0 490,758
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 21,294,669 434,319 SH SOLE 0 0 434,319
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 21,170,123 420,794 SH SOLE 0 0 420,794
ISHARES TR CORE US AGGBD ET 464287226 19,275,762 194,312 SH SOLE 0 0 194,312
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 19,200,068 369,090 SH SOLE 0 0 369,090
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 19,141,970 722,339 SH SOLE 0 0 722,339
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 16,898,521 427,919 SH SOLE 0 0 427,919
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 14,519,436 222,180 SH SOLE 0 0 222,180
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 12,046,015 412,394 SH SOLE 0 0 412,394
ISHARES TR EAFE GRWTH ETF 464288885 12,038,998 107,491 SH SOLE 0 0 107,491
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 11,855,049 147,985 SH SOLE 0 0 147,985
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 10,984,522 38,625 SH SOLE 0 0 38,625
ISHARES TR MSCI INTL QUALTY 46434V456 10,776,133 249,332 SH SOLE 0 0 249,332
AMERICAN CENTY ETF TR US SML CP VALU 025072877 10,374,892 113,885 SH SOLE 0 0 113,885
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,103,775 204,282 SH SOLE 0 0 204,282
ISHARES TR CORE TOTAL USD 46434V613 5,844,376 126,420 SH SOLE 0 0 126,420
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 5,270,383 55,291 SH SOLE 0 0 55,291
APPLE INC COM 037833100 3,341,249 16,285 SH SOLE 0 0 16,285
ISHARES TR MSCI USA QLT FCT 46432F339 3,184,069 17,416 SH SOLE 0 0 17,416
ISHARES TR EAFE VALUE ETF 464288877 2,913,507 45,896 SH SOLE 0 0 45,896
ISHARES TR CORE S&P500 ETF 464287200 2,834,266 4,565 SH SOLE 0 0 4,565
ISHARES TR S&P 500 GRWT ETF 464287309 2,806,341 25,489 SH SOLE 0 0 25,489
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 2,623,339 48,170 SH SOLE 0 0 48,170
ISHARES TR S&P 500 VAL ETF 464287408 2,394,246 12,252 SH SOLE 0 0 12,252
ISHARES TR NATIONAL MUN ETF 464288414 1,785,291 17,087 SH SOLE 0 0 17,087
ISHARES TR RUS 1000 GRW ETF 464287614 1,470,460 3,463 SH SOLE 0 0 3,463
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,457,600 2 SH SOLE 0 0 2
ISHARES TR 10-20 YR TRS ETF 464288653 1,361,517 13,401 SH SOLE 0 0 13,401
ISHARES TR MBS ETF 464288588 1,347,444 14,351 SH SOLE 0 0 14,351
AMAZON COM INC COM 023135106 1,218,492 5,554 SH SOLE 0 0 5,554
ISHARES TR S&P 100 ETF 464287101 1,208,539 3,971 SH SOLE 0 0 3,971
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 1,190,525 33,461 SH SOLE 0 0 33,461
ISHARES INC MSCI EMRG CHN 46434G764 1,138,398 18,030 SH SOLE 0 0 18,030
ISHARES INC CORE MSCI EMKT 46434G103 1,130,435 18,831 SH SOLE 0 0 18,831
ISHARES TR RUS 1000 ETF 464287622 1,105,148 3,255 SH SOLE 0 0 3,255
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 979,639 18,540 SH SOLE 0 0 18,540
ISHARES TR U.S. TECH ETF 464287721 929,330 5,363 SH SOLE 0 0 5,363
ISHARES TR CORE INTL AGGR 46435G672 926,773 18,140 SH SOLE 0 0 18,140
ISHARES TR RUS 1000 VAL ETF 464287598 851,946 4,386 SH SOLE 0 0 4,386
ISHARES TR MSCI USA MMENTM 46432F396 839,150 3,492 SH SOLE 0 0 3,492
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 705,844 9,710 SH SOLE 0 0 9,710
COCA COLA CO COM 191216100 704,095 9,952 SH SOLE 0 0 9,952
ISHARES TR RUS MDCP VAL ETF 464287473 699,063 5,290 SH SOLE 0 0 5,290
ISHARES TR CORE S&P US VLU 464287663 631,219 6,670 SH SOLE 0 0 6,670
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505 605,285 12,370 SH SOLE 0 0 12,370
ISHARES TR CORE MSCI INTL 46435G326 598,114 7,866 SH SOLE 0 0 7,866
ISHARES GOLD TR ISHARES NEW 464285204 560,429 8,987 SH SOLE 0 0 8,987
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 506,626 2,475 SH SOLE 0 0 2,475
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 478,280 5,214 SH SOLE 0 0 5,214
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 458,354 15,888 SH SOLE 0 0 15,888
VANGUARD STAR FDS VG TL INTL STK F 921909768 450,783 6,525 SH SOLE 0 0 6,525
SPDR S&P 500 ETF TR TR UNIT 78462F103 444,315 719 SH SOLE 0 0 719
ISHARES TR MSCI ACWI EX US 464288240 420,639 6,903 SH SOLE 0 0 6,903
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 407,777 16,685 SH SOLE 0 0 16,685
WORLD GOLD TR SPDR GLD MINIS 98149E303 407,469 6,219 SH SOLE 0 0 6,219
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 375,385 8,783 SH SOLE 0 0 8,783
ISHARES TR 0-5 YR TIPS ETF 46429B747 319,982 3,109 SH SOLE 0 0 3,109
PACER FDS TR US CASH COWS 100 69374H881 315,633 5,728 SH SOLE 0 0 5,728
ISHARES TR JPMORGAN USD EMG 464288281 306,500 3,309 SH SOLE 0 0 3,309
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 293,981 12,650 SH SOLE 0 0 12,650
COSTCO WHSL CORP NEW COM 22160K105 291,436 294 SH SOLE 0 0 294
WISDOMTREE TR INTL EQUITY FD 97717W703 284,092 4,470 SH SOLE 0 0 4,470
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 283,083 12,809 SH SOLE 0 0 12,809
ISHARES TR 7-10 YR TRSY BD 464287440 282,330 2,948 SH SOLE 0 0 2,948
VANGUARD INDEX FDS MID CAP ETF 922908629 281,100 1,005 SH SOLE 0 0 1,005
AMERIPRISE FINL INC COM 03076C106 281,032 527 SH SOLE 0 0 527
BLACKROCK ETF TRUST II ISHARES LARG CAP 092528801 277,477 8,948 SH SOLE 0 0 8,948
MASTERCARD INCORPORATED CL A 57636Q104 275,163 490 SH SOLE 0 0 490
MERCK &CO INC COM 58933Y105 246,752 3,117 SH SOLE 0 0 3,117
SYNOPSYS INC COM 871607107 244,036 476 SH SOLE 0 0 476
INVESCO QQQ TR UNIT SER 1 46090E103 225,799 409 SH SOLE 0 0 409
MCDONALDS CORP COM 580135101 220,648 755 SH SOLE 0 0 755
VANGUARD INDEX FDS SMALL CP ETF 922908751 202,258 853 SH SOLE 0 0 853