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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
AMAZON COM INC COM 023135106 418,816 1,909 SH SOLE 0 0 0 1,909
APPLE INC COM 037833100 610,426 2,975 SH SOLE 0 0 0 2,975
BOEING CO COM 097023105 249,550 1,191 SH SOLE 0 0 0 1,191
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 10,696,383 263,134 SH SOLE 0 0 0 263,134
DISNEY WALT CO COM 254687106 238,867 1,926 SH SOLE 0 0 0 1,926
ISHARES INC MSCI WORLD ETF 464286392 9,230,352 54,495 SH SOLE 0 0 0 54,495
ISHARES TR 0-5YR HI YL CP 46434V407 1,945,309 45,093 SH SOLE 0 0 0 45,093
ISHARES TR NATIONAL MUN ETF 464288414 751,931 7,197 SH SOLE 0 0 0 7,197
ISHARES TR SHRT NAT MUN ETF 464288158 282,983 2,661 SH SOLE 0 0 0 2,661
ISHARES TR CORE S&P MCP ETF 464287507 25,115,533 404,959 SH SOLE 0 0 0 404,959
ISHARES TR IBOXX INV CP ETF 464287242 468,535 4,275 SH SOLE 0 0 0 4,275
MICROSOFT CORP COM 594918104 314,693 633 SH SOLE 0 0 0 633
NVIDIA CORPORATION COM 67066G104 3,826,325 24,219 SH SOLE 0 0 0 24,219
SCHWAB CHARLES CORP COM 808513105 232,479 2,548 SH SOLE 0 0 0 2,548
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 273,385 9,359 SH SOLE 0 0 0 9,359
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 360,235 13,019 SH SOLE 0 0 0 13,019
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 468,274 11,565 SH SOLE 0 0 0 11,565
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 208,145 4,870 SH SOLE 0 0 0 4,870
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 628,119 12,001 SH SOLE 0 0 0 12,001
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 35,652,386 374,028 SH SOLE 0 0 0 374,028
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 445,059 17,385 SH SOLE 0 0 0 17,385
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 238,902 2,456 SH SOLE 0 0 0 2,456
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 893,692 12,295 SH SOLE 0 0 0 12,295
TESLA INC COM 88160R101 1,765,237 5,557 SH SOLE 0 0 0 5,557
UNITEDHEALTH GROUP INC COM 91324P102 200,345 642 SH SOLE 0 0 0 642
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,193,842 41,296 SH SOLE 0 0 0 41,296
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,446,048 29,207 SH SOLE 0 0 0 29,207
VANGUARD INDEX FDS VALUE ETF 922908744 1,326,289 7,504 SH SOLE 0 0 0 7,504
VANGUARD INDEX FDS MID CAP ETF 922908629 16,455,381 58,805 SH SOLE 0 0 0 58,805
VANGUARD INDEX FDS SM CP VAL ETF 922908611 379,483 1,946 SH SOLE 0 0 0 1,946
VANGUARD INDEX FDS SMALL CP ETF 922908751 37,080,451 156,471 SH SOLE 0 0 0 156,471
VANGUARD INDEX FDS GROWTH ETF 922908736 1,737,085 3,962 SH SOLE 0 0 0 3,962
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 461,609 2,807 SH SOLE 0 0 0 2,807
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 7,969,443 62,009 SH SOLE 0 0 0 62,009
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,720,800 84,538 SH SOLE 0 0 0 84,538
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 397,264 1,941 SH SOLE 0 0 0 1,941
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 941,063 14,400 SH SOLE 0 0 0 14,400