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
BONDBLOXX ETF TRUST BLOOMBERG TEN YR 09789C812 2,019,671 43,313 SH SOLE 43,313 0 0
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 13,665,195 601,461 SH SOLE 601,461 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 11,598,407 275,955 SH SOLE 275,955 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 9,175,375 208,911 SH SOLE 208,911 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109 5,043,897 170,287 SH SOLE 170,287 0 0
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 725,401 5,992 SH SOLE 5,992 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 1,157,368 20,121 SH SOLE 20,121 0 0
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 484,628 14,187 SH SOLE 14,187 0 0
ISHARES TR CORE INTL AGGR 46435G672 900,982 17,587 SH SOLE 17,587 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,747,064 26,503 SH SOLE 26,503 0 0
ISHARES TR CORE TOTAL USD 46434V613 2,654,231 56,824 SH SOLE 56,824 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 1,143,648 21,481 SH SOLE 21,481 0 0
ISHARES TR JPMORGAN USD EMG 464288281 388,471 4,081 SH SOLE 4,081 0 0
ISHARES TR MBS ETF 464288588 1,531,874 16,100 SH SOLE 16,100 0 0
ISHARES TR EAFE GRWTH ETF 464288885 1,017,812 8,938 SH SOLE 8,938 0 0
ISHARES TR EAFE VALUE ETF 464288877 2,596,301 38,277 SH SOLE 38,277 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 3,343,957 17,193 SH SOLE 17,193 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 2,840,644 23,531 SH SOLE 23,531 0 0
ISHARES TR S&P 500 VAL ETF 464287408 2,070,106 10,024 SH SOLE 10,024 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 2,619,378 44,246 SH SOLE 44,246 0 0
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 1,019,647 26,932 SH SOLE 26,932 0 0
ISHARES TR U.S. TECH ETF 464287721 960,931 4,906 SH SOLE 4,906 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 6,372,821 125,499 SH SOLE 125,499 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 702,890 21,064 SH SOLE 21,064 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1,979,386 46,075 SH SOLE 46,075 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 3,609,379 137,239 SH SOLE 137,239 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,671,710 157,719 SH SOLE 157,719 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 824,653 18,120 SH SOLE 18,120 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,451,605 59,492 SH SOLE 59,492 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 11,678,399 497,588 SH SOLE 497,588 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,607,033 212,871 SH SOLE 212,871 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,213,624 100,709 SH SOLE 100,709 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,258,789 58,358 SH SOLE 58,358 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 959,588 34,394 SH SOLE 34,394 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 268,988 9,981 SH SOLE 9,981 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 576,586 7,542 SH SOLE 7,542 0 0
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 6,272,382 80,066 SH SOLE 80,066 0 0
APOLLO GLOBAL MGMT INC COM 03769M106 3,292,463 24,705 SH SOLE 24,705 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 468,162 12,947 SH SOLE 12,947 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 486,671 15,618 SH SOLE 15,618 0 0
SCHWAB STRATEGIC TR HIGH YIELD BD ET 808524631 242,174 9,060 SH SOLE 9,060 0 0
AMAZON COM INC COM 023135106 683,521 3,113 SH SOLE 3,113 0 0
APPLE INC COM 037833100 1,402,890 5,510 SH SOLE 5,510 0 0
MICROSOFT CORP COM 594918104 2,333,836 4,506 SH SOLE 4,506 0 0
QUALCOMM INC COM 747525103 513,658 3,088 SH SOLE 3,088 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 254,807 382 SH SOLE 382 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 279,569 1,296 SH SOLE 1,296 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 1,059,564 8,946 SH SOLE 8,946 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 359,429 2,550 SH SOLE 2,550 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,952,267 3,188 SH SOLE 3,188 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 231,365 3,111 SH SOLE 3,111 0 0
SMITH A O CORP COM 831865209 332,033 4,523 SH SOLE 4,523 0 0
ABBOTT LABS COM 002824100 339,779 2,537 SH SOLE 2,537 0 0
ABBVIE INC COM 00287Y109 869,114 3,754 SH SOLE 3,754 0 0
BANK AMERICA CORP COM 060505104 661,699 12,826 SH SOLE 12,826 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 253,359 5,618 SH SOLE 5,618 0 0
SCHWAB CHARLES CORP COM 808513105 396,964 4,158 SH SOLE 4,158 0 0
CHEVRON CORP NEW COM 166764100 1,610,147 10,369 SH SOLE 10,369 0 0
CHUBB LIMITED COM H1467J104 393,999 1,396 SH SOLE 1,396 0 0
CISCO SYS INC COM 17275R102 571,962 8,360 SH SOLE 8,360 0 0
DEERE & CO COM 244199105 325,112 711 SH SOLE 711 0 0
DELL TECHNOLOGIES INC CL C 24703L202 428,571 3,023 SH SOLE 3,023 0 0
EMERSON ELEC CO COM 291011104 442,206 3,371 SH SOLE 3,371 0 0
EOG RES INC COM 26875P101 310,909 2,773 SH SOLE 2,773 0 0
HONEYWELL INTL INC COM 438516106 430,220 2,044 SH SOLE 2,044 0 0
JOHNSON & JOHNSON COM 478160104 623,363 3,362 SH SOLE 3,362 0 0
JPMORGAN CHASE & CO. COM 46625H100 957,560 3,036 SH SOLE 3,036 0 0
KINDER MORGAN INC DEL COM 49456B101 430,990 15,224 SH SOLE 15,224 0 0
LENNAR CORP CL A 526057104 389,842 3,093 SH SOLE 3,093 0 0
LOCKHEED MARTIN CORP COM 539830109 517,709 1,037 SH SOLE 1,037 0 0
LOWES COS INC COM 548661107 389,279 1,549 SH SOLE 1,549 0 0
M & T BK CORP COM 55261F104 426,966 2,161 SH SOLE 2,161 0 0
MCDONALDS CORP COM 580135101 506,220 1,666 SH SOLE 1,666 0 0
MONDELEZ INTL INC CL A 609207105 296,920 4,753 SH SOLE 4,753 0 0
NORFOLK SOUTHN CORP COM 655844108 568,256 1,892 SH SOLE 1,892 0 0
NUCOR CORP COM 670346105 529,369 3,909 SH SOLE 3,909 0 0
PEPSICO INC COM 713448108 291,813 2,078 SH SOLE 2,078 0 0
PNC FINL SVCS GROUP INC COM 693475105 371,037 1,847 SH SOLE 1,847 0 0
PPL CORP COM 69351T106 508,141 13,674 SH SOLE 13,674 0 0
PROCTER AND GAMBLE CO COM 742718109 354,684 2,308 SH SOLE 2,308 0 0
TE CONNECTIVITY PLC ORD SHS G87052109 434,889 1,981 SH SOLE 1,981 0 0
HERSHEY CO COM 427866108 304,259 1,627 SH SOLE 1,627 0 0
WP CAREY INC COM 92936U109 223,319 3,305 SH SOLE 3,305 0 0
WALMART INC COM 931142103 644,976 6,258 SH SOLE 6,258 0 0
WASTE MGMT INC DEL COM 94106L109 494,924 2,241 SH SOLE 2,241 0 0
ISHARES TR CORE S&P500 ETF 464287200 767,178 1,146 SH SOLE 1,146 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 949,942 34,796 SH SOLE 34,796 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 275,837 3,754 SH SOLE 3,754 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,697,900 11,661 SH SOLE 11,661 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 262,333 2,757 SH SOLE 2,757 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 233,380 2,623 SH SOLE 2,623 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,017,372 1,099 SH SOLE 1,099 0 0
NVIDIA CORPORATION COM 67066G104 771,390 4,134 SH SOLE 4,134 0 0
TESLA INC COM 88160R101 265,053 596 SH SOLE 596 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 206,267 928 SH SOLE 928 0 0
WILLAMETTE VY VINEYARD INC COM 969136100 56,507 15,524 SH SOLE 15,524 0 0
ALPHABET INC CAP STK CL A 02079K305 311,528 1,281 SH SOLE 1,281 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 393,645 783 SH SOLE 783 0 0
ISHARES TR CORE US AGGBD ET 464287226 293,833 2,931 SH SOLE 2,931 0 0
ISHARES TR MSCI ACWI ETF 464288257 517,287 3,742 SH SOLE 3,742 0 0
SPDR GOLD TR GOLD SHS 78463V107 548,135 1,542 SH SOLE 1,542 0 0
THE CIGNA GROUP COM 125523100 296,898 1,030 SH SOLE 1,030 0 0