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
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,603,579 47,206 SH SOLE 47,206 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 345,676 13,772 SH SOLE 13,772 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 561,327 16,247 SH SOLE 16,247 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 600,809 33,848 SH SOLE 33,848 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 2,349,807 120,318 SH SOLE 120,318 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 2,420,320 123,328 SH SOLE 123,328 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 2,953,545 144,619 SH SOLE 144,619 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 3,244,473 173,869 SH SOLE 173,869 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 3,453,079 206,535 SH SOLE 206,535 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429 3,061,260 185,982 SH SOLE 185,982 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHS 2032 46139W858 2,652,204 128,823 SH SOLE 128,823 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 768,624 9,213 SH SOLE 9,213 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 8,595,634 185,932 SH SOLE 185,067 0 865
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 17,350,070 565,517 SH SOLE 564,286 0 1,232
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 15,275,350 23,488 SH SOLE 23,476 0 12
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 476,632 5,374 SH SOLE 5,374 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 616,638 15,377 SH SOLE 15,377 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 1,348,629 7,031 SH SOLE 7,031 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 4,216,355 20,488 SH SOLE 20,414 0 74
SSGA ACTIVE ETF TR STATE STREET BLA 78467V608 963,164 23,995 SH SOLE 23,995 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R648 351,791 6,016 SH SOLE 5,935 0 81
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 761,607 10,141 SH SOLE 10,141 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,132,787 3,531 SH SOLE 3,531 0 0
FIRST TR EXCHANGE-TRADED FD FT VEST S&P 500 33739Q705 261,171 5,362 SH SOLE 5,362 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 350,632 3,667 SH SOLE 3,667 0 0
ISHARES TR ESG AWARE MSCI 46435U663 338,658 7,202 SH SOLE 7,202 0 0
ISHARES TR ESG OPTIMIZED 464288802 562,148 4,255 SH SOLE 4,255 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 386,099 8,120 SH SOLE 8,120 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R655 649,040 7,186 SH SOLE 7,098 0 88
INVESCO QQQ TR UNIT SER 1 46090E103 2,506,150 4,342 SH SOLE 4,342 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 667,517 18,787 SH SOLE 18,787 0 0
INVESCO EXCH TRD SLF IDX FD INVESCO BULLETSH 46139W825 1,540,422 72,833 SH SOLE 72,833 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,871,937 7,147 SH SOLE 7,147 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A110 307,259 2,096 SH SOLE 2,096 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,831,338 6,377 SH SOLE 6,377 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 1,058,764 10,242 SH SOLE 10,134 0 109
ISHARES TR SELECT US REIT 464287564 270,313 4,368 SH SOLE 4,301 0 66
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,161,174 7,150 SH SOLE 7,140 0 10
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,999,344 13,806 SH SOLE 13,773 0 33
ISHARES TR CORE S&P500 ETF 464287200 5,644,280 8,641 SH SOLE 8,641 0 0
ISHARES TR MRGSTR SM CP ETF 464288505 403,415 6,198 SH SOLE 6,198 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R408 750,342 30,038 SH SOLE 30,038 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R523 644,088 6,477 SH SOLE 6,477 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R812 580,775 3,384 SH SOLE 3,384 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 790,998 12,344 SH SOLE 12,344 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R200 289,934 9,420 SH SOLE 9,420 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A649 802,192 31,311 SH SOLE 31,311 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 1,310,129 5,514 SH SOLE 5,514 0 0
SPDR INDEX SHS FDS STATE STREET SPD 78463X434 348,242 3,734 SH SOLE 3,734 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 403,275 3,034 SH SOLE 3,034 0 0
EXCHANGE TRADED CONCEPTS TRU EMQQ THE EMERGIN 301505889 284,960 8,614 SH SOLE 8,614 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,228,660 6,402 SH SOLE 6,402 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 476,040 5,133 SH SOLE 5,133 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R531 548,217 8,691 SH SOLE 8,691 0 0
ISHARES TR CORE DIV GRWTH 46434V621 1,401,185 19,966 SH SOLE 19,966 0 0
ISHARES TR MSCI USA SMCP MN 46435G433 326,013 7,474 SH SOLE 7,474 0 0
NVIDIA CORPORATION COM 67066G104 1,406,813 8,067 SH SOLE 8,067 0 0
ISHARES TR MSCI ACWI EX US 464288240 266,223 3,888 SH SOLE 3,888 0 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 229,051 3,230 SH SOLE 3,230 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 752,466 10,218 SH SOLE 10,218 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 835,138 1,354 SH SOLE 1,354 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R853 819,331 16,956 SH SOLE 16,956 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 237,440 3,246 SH SOLE 3,246 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 361,393 3,358 SH SOLE 3,358 0 0
ISHARES TR MSCI USA MMENTM 46432F396 227,840 949 SH SOLE 949 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,981,592 6,663 SH SOLE 6,663 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A128 637,083 2,964 SH SOLE 2,964 0 0
ISHARES TR INTL DIV GRWTH 46435G524 430,032 5,133 SH SOLE 5,133 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,023,234 32,660 SH SOLE 32,660 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 232,882 3,020 SH SOLE 3,020 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A847 460,262 7,772 SH SOLE 7,772 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHARES 203 46139W783 403,513 19,495 SH SOLE 19,495 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 876,223 2,006 SH SOLE 2,006 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 484,094 2,467 SH SOLE 2,467 0 0
ADVANCED MICRO DEVICES INC COM 007903107 243,302 1,196 SH SOLE 1,196 0 0
ALPHABET INC CAP STK CL A 02079K305 461,435 1,605 SH SOLE 1,605 0 0
ALPHABET INC CAP STK CL C 02079K107 431,745 1,505 SH SOLE 1,505 0 0
AMAZON COM INC COM 023135106 4,433,054 21,285 SH SOLE 21,285 0 0
APPLE INC COM 037833100 1,315,545 5,184 SH SOLE 5,184 0 0
AT&T INC COM 00206R102 309,787 10,686 SH SOLE 10,686 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 237,204 495 SH SOLE 495 0 0
BROADCOM INC COM 11135F101 425,886 1,376 SH SOLE 1,376 0 0
EATON CORP PLC SHS G29183103 255,487 714 SH SOLE 714 0 0
ELI LILLY & CO COM 532457108 205,109 223 SH SOLE 223 0 0
EXXON MOBIL CORP COM 30231G102 216,486 1,276 SH SOLE 1,276 0 0
JOHNSON & JOHNSON COM 478160104 208,858 854 SH SOLE 854 0 0
JPMORGAN CHASE & CO COM 46625H100 289,886 985 SH SOLE 985 0 0
META PLATFORMS INC CL A 30303M102 459,277 803 SH SOLE 803 0 0
MICROSOFT CORP COM 594918104 826,532 2,233 SH SOLE 2,233 0 0
NETFLIX INC. COM 64110L106 340,659 3,543 SH SOLE 3,543 0 0
TESLA INC COM 88160R101 478,814 1,288 SH SOLE 1,288 0 0
TJX COS INC NEW COM 872540109 208,382 1,305 SH SOLE 1,305 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 274,282 2,389 SH SOLE 2,389 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 571,023 8,028 SH SOLE 8,028 0 0
ISHARES TR RUSEL 2500 ETF 46435G268 211,304 2,768 SH SOLE 2,768 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 228,000 4,570 SH SOLE 4,570 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 238,346 2,085 SH SOLE 2,085 0 0
ISHARES TR CORE S&P SCP ETF 464287804 947,461 7,622 SH SOLE 7,622 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHARES 46139W759 553,500 26,974 SH SOLE 26,974 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 316,953 743 SH SOLE 743 0 0
ISHARES TR MSCI EAFE ETF 464287465 235,994 2,430 SH SOLE 2,430 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHS 32 MUN 46139W833 221,702 8,920 SH SOLE 8,920 0 0
ISHARES TR MRGSTR SM CP GR 464288604 220,280 4,020 SH SOLE 4,020 0 0
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 216,113 5,097 SH SOLE 5,097 0 0
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 933,359 22,715 SH SOLE 22,715 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 303,860 12,862 SH SOLE 12,862 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494 206,148 8,715 SH SOLE 8,715 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486 209,328 8,947 SH SOLE 8,947 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478 217,896 9,464 SH SOLE 9,464 0 0
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445 215,259 9,868 SH SOLE 9,868 0 0
INVESCO EXCH TRD SLF IDX FD INVESCO BULLETSH 46139W791 245,428 9,655 SH SOLE 9,655 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A854 577,107 7,540 SH SOLE 7,540 0 0
SSGA ACTIVE TR STATE STREET MY 78470P820 398,688 15,913 SH SOLE 15,913 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 12,976 113 SH SOLE 113 0 0
ISHARES TR CORE MSCI INTL 46435G326 435,437 5,210 SH SOLE 5,210 0 0