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 S&P MCP ETF 464287507 1,835,009 29,587 SH SOLE 0 0 29,587
ISHARES TR S&P 500 VAL ETF 464287408 1,492,124 7,635 SH SOLE 0 0 7,635
ISHARES TR CORE S&P500 ETF 464287200 9,072,609 14,612 SH SOLE 0 0 14,612
AMAZON COM INC COM 023135106 4,311,243 19,651 SH SOLE 0 0 19,651
INVESCO QQQ TR UNIT SER 1 46090E103 1,262,076 2,288 SH SOLE 0 0 2,288
MICROSOFT CORP COM 594918104 2,872,045 5,774 SH SOLE 0 0 5,774
SELECT SECTOR SPDR TR ENERGY 81369Y506 280,492 3,307 SH SOLE 0 0 3,307
WALMART INC COM 931142103 1,590,421 16,265 SH SOLE 0 0 16,265
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 235,033 1,038 SH SOLE 0 0 1,038
MICRON TECHNOLOGY INC COM 595112103 250,103 2,029 SH SOLE 0 0 2,029
GEN DIGITAL INC COM 668771108 220,674 7,506 SH SOLE 0 0 7,506
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,292,539 17,414 SH SOLE 0 0 17,414
APPLE INC COM 037833100 2,566,784 12,511 SH SOLE 0 0 12,511
ISHARES TR MSCI EMG MKT ETF 464287234 2,301,820 47,716 SH SOLE 0 0 47,716
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,464,211 5,250 SH SOLE 0 0 5,250
NETFLIX INC COM 64110L106 239,704 179 SH SOLE 0 0 179
NVIDIA CORPORATION COM 67066G104 773,749 4,897 SH SOLE 0 0 4,897
ISHARES TR MORNINGSTAR VALU 464288109 4,211,980 50,509 SH SOLE 0 0 50,509
PRICE T ROWE GROUP INC COM 74144T108 553,130 5,732 SH SOLE 0 0 5,732
ALPHABET INC CAP STK CL A 02079K305 724,534 4,111 SH SOLE 0 0 4,111
SPDR GOLD TR GOLD SHS 78463V107 337,752 1,108 SH SOLE 0 0 1,108
VANGUARD INDEX FDS MID CAP ETF 922908629 884,705 3,162 SH SOLE 0 0 3,162
VANGUARD INDEX FDS GROWTH ETF 922908736 6,590,702 15,034 SH SOLE 0 0 15,034
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 1,776,213 34,165 SH SOLE 0 0 34,165
ISHARES TR SHORT TREAS BD 464288679 8,704,584 78,832 SH SOLE 0 0 78,832
ISHARES TR ISHS 1-5YR INVS 464288646 1,185,743 22,474 SH SOLE 0 0 22,474
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,763,591 105,441 SH SOLE 0 0 105,441
ISHARES TR NATIONAL MUN ETF 464288414 219,052 2,097 SH SOLE 0 0 2,097
VISA INC COM CL A 92826C839 322,219 908 SH SOLE 0 0 908
ISHARES TR CORE 60/40 BALAN 464289867 206,593 3,355 SH SOLE 0 0 3,355
ISHARES TR SHRT NAT MUN ETF 464288158 3,758,553 35,345 SH SOLE 0 0 35,345
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,217,548 51,093 SH SOLE 0 0 51,093
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 9,488,543 324,839 SH SOLE 0 0 324,839
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,078,689 147,405 SH SOLE 0 0 147,405
TESLA INC COM 88160R101 4,098,700 12,903 SH SOLE 0 0 12,903
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,213,968 31,231 SH SOLE 0 0 31,231
ISHARES TR CORE HIGH DV ETF 46429B663 1,914,238 16,337 SH SOLE 0 0 16,337
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 723,650 9,938 SH SOLE 0 0 9,938
ISHARES TR MSCI USA MIN VOL 46429B697 369,210 3,933 SH SOLE 0 0 3,933
META PLATFORMS INC CL A 30303M102 1,265,097 1,714 SH SOLE 0 0 1,714
ISHARES TR MSCI USA VALUE 46432F388 2,191,190 19,355 SH SOLE 0 0 19,355
ISHARES TR MSCI USA QLT FCT 46432F339 358,984 1,964 SH SOLE 0 0 1,964
ISHARES U S ETF TR SHORT DURATION B 46431W507 1,366,219 26,736 SH SOLE 0 0 26,736
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 261,496 4,089 SH SOLE 0 0 4,089
ALPHABET INC CAP STK CL C 02079K107 243,194 1,371 SH SOLE 0 0 1,371
ISHARES TR CORE TOTAL USD 46434V613 305,286 6,604 SH SOLE 0 0 6,604
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 748,014 16,350 SH SOLE 0 0 16,350
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 318,013 6,486 SH SOLE 0 0 6,486
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,188,353 9,790 SH SOLE 0 0 9,790
ISHARES TR CORE INTL AGGR 46435G672 1,481,099 28,990 SH SOLE 0 0 28,990
SPOTIFY TECHNOLOGY S A SHS L8681T102 318,446 415 SH SOLE 0 0 415
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 6,652,549 130,647 SH SOLE 0 0 130,647
FIDELITY COVINGTON TRUST INTL MULTIFACTOR 316092535 3,703,552 113,676 SH SOLE 0 0 113,676
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 5,582,450 105,648 SH SOLE 0 0 105,648
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 260,025 9,013 SH SOLE 0 0 9,013