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
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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 403,473 1,748 SH SOLE 0 0 1,748
APPLE INC COM 037833100 284,637 1,047 SH SOLE 0 0 1,047
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 4,447,345 161,019 SH SOLE 0 0 161,019
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 369,931 8,035 SH SOLE 0 0 8,035
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 3,930,838 296,667 SH SOLE 0 0 296,667
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 8,038,432 41,963 SH SOLE 0 0 41,963
ISHARES INC MSCI EURZONE ETF 464286608 5,147,422 80,303 SH SOLE 0 0 80,303
ISHARES INC CORE MSCI EMKT 46434G103 586,898 8,731 SH SOLE 0 0 8,731
ISHARES INC MSCI EQUAL WEITE 464286681 225,553 2,182 SH SOLE 0 0 2,182
ISHARES TR CORE S&P MCP ETF 464287507 19,420,009 294,243 SH SOLE 0 0 294,243
ISHARES TR CORE S&P SCP ETF 464287804 10,671,722 88,798 SH SOLE 0 0 88,798
ISHARES TR CORE S&P500 ETF 464287200 39,126,706 57,124 SH SOLE 0 0 57,124
ISHARES TR 20 YR TR BD ETF 464287432 4,668,638 53,564 SH SOLE 0 0 53,564
ISHARES TR CORE UNIVRSL USD 46434V613 3,165,558 68,018 SH SOLE 0 0 68,018
ISHARES TR INTL EQTY FACTOR 46434V274 1,313,776 34,802 SH SOLE 0 0 34,802
ISHARES TR MSCI USA VALUE 46432F388 5,597,589 40,939 SH SOLE 0 0 40,939
ISHARES TR RUS 1000 ETF 464287622 1,357,081 3,634 SH SOLE 0 0 3,634
ISHARES TR RUSSELL 2000 ETF 464287655 618,354 2,512 SH SOLE 0 0 2,512
ISHARES TR CORE MSCI EAFE 46432F842 1,574,407 17,599 SH SOLE 0 0 17,599
ISHARES TR NATIONAL MUN ETF 464288414 905,187 8,451 SH SOLE 0 0 8,451
ISHARES TR CORE US AGGBD ET 464287226 427,497 4,280 SH SOLE 0 0 4,280
NVIDIA CORPORATION COM 67066G104 301,759 1,618 SH SOLE 0 0 1,618
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 28,985,942 1,205,738 SH SOLE 0 0 1,205,738
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 249,321 9,265 SH SOLE 0 0 9,265
SCHWAB STRATEGIC TR US REIT ETF 808524847 274,307 13,131 SH SOLE 0 0 13,131
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,453,762 12,397 SH SOLE 0 0 12,397
SPDR SERIES TRUST STATE STREET SPD 78464A409 204,152 1,913 SH SOLE 0 0 1,913
SPDR SERIES TRUST STATE STREET SPD 78464A664 506,901 19,150 SH SOLE 0 0 19,150
TREACE MED CONCEPTS INC COM 89455T109 134,383 54,850 SH SOLE 0 0 54,850
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 1,573,163 33,358 SH SOLE 0 0 33,358
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 11,476,921 154,947 SH SOLE 0 0 154,947
VANGUARD BD INDEX FDS INTERMED TERM 921937819 763,146 9,799 SH SOLE 0 0 9,799
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,156,653 13,071 SH SOLE 0 0 13,071
VANGUARD INDEX FDS MID CAP ETF 922908629 1,562,896 5,385 SH SOLE 0 0 5,385
VANGUARD INDEX FDS TOTAL STK MKT 922908769 282,739 843 SH SOLE 0 0 843
VANGUARD INDEX FDS VALUE ETF 922908744 221,930 1,162 SH SOLE 0 0 1,162
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,310,914 228,998 SH SOLE 0 0 228,998
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,496,882 29,765 SH SOLE 0 0 29,765
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 5,534,431 88,593 SH SOLE 0 0 88,593