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
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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
ALPHABET INC COMM 02079K305 308,621 1,073 SH SOLE 0 0 1,073
ALPHABET INC COMM 02079K107 271,814 948 SH SOLE 0 0 948
AMERICAN CENTY ETF TR COMM 025072877 3,558,428 32,212 SH SOLE 0 0 32,212
APPLE INC COMM 037833100 577,919 2,277 SH SOLE 0 0 2,277
BANK NEW YORK MELLON CORP COMM 064058100 438,217 3,694 SH SOLE 0 0 3,694
BERKSHIRE HATHAWAY INC DEL COMM 084670702 229,058 478 SH SOLE 0 0 478
CAPITAL GROUP CONSERVATIVE E COMM 14020U100 7,362,410 246,978 SH SOLE 0 0 246,978
CAPITAL GROUP DIVIDEND VALUE COMM 14020W106 558,746 13,135 SH SOLE 0 0 13,135
CAPITAL GROUP GBL GROWTH EQT COMM 14020X104 370,030 11,089 SH SOLE 0 0 11,089
CAPITAL GROUP GROWTH ETF COMM 14020G101 7,601,098 189,129 SH SOLE 0 0 189,129
CAPITAL GROUP INTL FOCUS EQT COMM 14019W109 9,081,626 307,956 SH SOLE 0 0 307,956
CAPITAL GRP FIXED INCM ETF T COMM 14020Y102 17,142,568 767,349 SH SOLE 0 0 767,349
CAPITAL GRP FIXED INCM ETF T COMM 14020Y300 7,137,190 262,108 SH SOLE 0 0 262,108
CAPITAL GRP FIXED INCM ETF T COMM 14020Y409 2,472,679 95,877 SH SOLE 0 0 95,877
FIRST TR EXCHANGE-TRADED ALP COMM 33734Y109 3,836,150 32,141 SH SOLE 0 0 32,141
FIRST TR EXCHANGE-TRADED FD COMM 33734H106 2,704,744 57,511 SH SOLE 0 0 57,511
FIRST TR EXCHANGE-TRADED FD COMM 33739Q408 379,460 6,348 SH SOLE 0 0 6,348
INVESCO EXCH TRADED FD TR II COMM 46138E354 1,446,547 19,778 SH SOLE 0 0 19,778
INVESCO QQQ TR COMM 46090E103 536,720 930 SH SOLE 0 0 930
ISHARES TR COMM 46434V878 235,879 4,660 SH SOLE 0 0 4,660
J P MORGAN EXCHANGE TRADED F COMM 46641Q332 4,701,461 82,947 SH SOLE 0 0 82,947
J P MORGAN EXCHANGE TRADED F COMM 46641Q837 232,503 4,594 SH SOLE 0 0 4,594
JPMORGAN CHASE & CO COMM 46625H100 716,795 2,437 SH SOLE 0 0 2,437
MICROSOFT CORP COMM 594918104 269,388 728 SH SOLE 0 0 728
SPDR GOLD TR COMM 78463V107 1,421,248 3,303 SH SOLE 0 0 3,303
SPDR SERIES TRUST COMM 78468R101 5,673,523 194,432 SH SOLE 0 0 194,432
SPDR SERIES TRUST COMM 78468R853 855,902 17,713 SH SOLE 0 0 17,713
SPDR SERIES TRUST COMM 78464A854 866,900 11,326 SH SOLE 0 0 11,326
STATE STR SPDR S&P 500 ETF T COMM 78462F103 418,807 644 SH SOLE 0 0 644
VANGUARD BD INDEX FDS COMM 921937793 3,886,034 56,499 SH SOLE 0 0 56,499
VANGUARD BD INDEX FDS COMM 921937835 11,980,562 162,691 SH SOLE 0 0 162,691
VANGUARD INDEX FDS COMM 922908736 4,374,601 10,015 SH SOLE 0 0 10,015
VANGUARD INDEX FDS COMM 922908744 5,124,434 26,118 SH SOLE 0 0 26,118
VANGUARD INDEX FDS COMM 922908553 599,499 6,759 SH SOLE 0 0 6,759
VANGUARD STAR FDS COMM 921909768 2,068,988 26,832 SH SOLE 0 0 26,832
VANGUARD WHITEHALL FDS COMM 921946794 10,480,556 111,211 SH SOLE 0 0 111,211