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
VANGUARD WORLD FD MEGA GRWTH IND 921910816 40,354,177 459,040 SH SOLE 0 0 459,040
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 33,051,805 134,242 SH SOLE 0 0 134,242
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 32,724,987 390,746 SH SOLE 0 0 390,746
VANGUARD INDEX FDS GROWTH ETF 922908736 20,373,439 236,515 SH SOLE 0 0 236,515
VANGUARD INDEX FDS SML CP GRW ETF 922908595 15,509,130 42,409 SH SOLE 0 0 42,409
ISHARES TR CORE DIV GRWTH 46434V621 15,110,476 199,373 SH SOLE 0 0 199,373
ISHARES TR CORE US AGGBD ET 464287226 15,059,516 152,147 SH SOLE 0 0 152,147
VANGUARD BD INDEX FDS INTERMED TERM 921937819 13,849,059 180,561 SH SOLE 0 0 180,561
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 12,357,878 128,154 SH SOLE 0 0 128,154
ISHARES TR BROAD USD HIGH 46435U853 11,112,034 300,163 SH SOLE 0 0 300,163
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 10,393,360 214,606 SH SOLE 0 0 214,606
SCHWAB STRATEGIC TR US TIPS ETF 808524870 9,007,395 339,902 SH SOLE 0 0 339,902
ISHARES TR CORE MSCI TOTAL 46432F834 8,523,494 89,307 SH SOLE 0 0 89,307
ISHARES TR FLTG RATE NT ETF 46429B655 8,444,901 165,424 SH SOLE 0 0 165,424
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,432,665 22,789 SH SOLE 0 0 22,789
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 6,460,846 90,679 SH SOLE 0 0 90,679
ISHARES TR CORE S&P MCP ETF 464287507 6,271,421 81,331 SH SOLE 0 0 81,331
ISHARES TR RUS 1000 VAL ETF 464287598 4,716,818 19,456 SH SOLE 0 0 19,456
ISHARES TR LARG CAP DEC ETF 46438G471 4,199,293 153,596 SH SOLE 0 0 153,596
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,904,692 11,354 SH SOLE 0 0 11,354
INVESCO QQQ TR UNIT SER 1 46090E103 3,760,711 5,107 SH SOLE 0 0 5,107
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 3,741,529 79,930 SH SOLE 0 0 79,930
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,669,083 108,424 SH SOLE 0 0 108,424
ISHARES TR CORE UNIVRSL USD 46434V613 3,036,152 65,789 SH SOLE 0 0 65,789
ISHARES TR CORE HIGH DV ETF 46429B663 2,954,276 107,781 SH SOLE 0 0 107,781
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,912,644 37,385 SH SOLE 0 0 37,385
ISHARES TR CORE INTL AGGR 46435G672 2,650,688 52,385 SH SOLE 0 0 52,385
ISHARES TR LARG CAP MAR ETF 46438G455 2,497,141 92,299 SH SOLE 0 0 92,299
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,461,046 10,401 SH SOLE 0 0 10,401
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,458,448 33,489 SH SOLE 0 0 33,489
APPLE INC COM 037833100 2,448,928 8,463 SH SOLE 0 0 8,463
ISHARES TR CORE MSCI INTL 46435G326 2,344,532 26,340 SH SOLE 0 0 26,340
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,301,999 97,213 SH SOLE 0 0 97,213
ISHARES TR SHRT NAT MUN ETF 464288158 2,300,667 21,609 SH SOLE 0 0 21,609
ISHARES TR LARG CAP SEP ETF 46438G588 2,244,049 80,533 SH SOLE 0 0 80,533
ISHARES TR LARG CAP JUN ETF 46438G612 1,843,971 63,301 SH SOLE 0 0 63,301
ISHARES TR NATIONAL MUN ETF 464288414 1,830,486 17,009 SH SOLE 0 0 17,009
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,585,434 31,345 SH SOLE 0 0 31,345
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 1,557,226 32,466 SH SOLE 0 0 32,466
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,551,747 25,997 SH SOLE 0 0 25,997
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,523,243 4,973 SH SOLE 0 0 4,973
ISHARES TR CORE 1 5 YR USD 46432F859 1,476,594 30,603 SH SOLE 0 0 30,603
SPDR SERIES TRUST ST NUVE HIGH ETF 78464A284 1,360,166 53,466 SH SOLE 0 0 53,466
ISHARES TR PFD AND INCM SEC 464288687 1,351,888 44,339 SH SOLE 0 0 44,339
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 1,345,165 66,037 SH SOLE 0 0 66,037
SPDR SERIES TRUST ST STR P500GRW 78464A409 1,206,733 10,141 SH SOLE 0 0 10,141
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,197,305 3,950 SH SOLE 0 0 3,950
ELI LILLY & CO COM 532457108 1,191,016 993 SH SOLE 0 0 993
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,140,530 1,661 SH SOLE 0 0 1,661
CHUBB LIMITED COM H1467J104 1,134,664 3,330 SH SOLE 0 0 3,330
VANGUARD INDEX FDS VALUE ETF 922908744 1,114,137 5,112 SH SOLE 0 0 5,112
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,080,932 21,520 SH SOLE 0 0 21,520
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,074,829 6,848 SH SOLE 0 0 6,848
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,063,166 5,380 SH SOLE 0 0 5,380
VANGUARD STAR FDS VG TL INTL STK F 921909768 999,285 11,689 SH SOLE 0 0 11,689
ISHARES TR 0-5YR INVT GR CP 46434V100 986,687 19,589 SH SOLE 0 0 19,589
ISHARES TR CORE S&P US GWT 464287671 938,579 4,990 SH SOLE 0 0 4,990
ISHARES TR RUS 2000 GRW ETF 464287648 925,403 2,349 SH SOLE 0 0 2,349
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 897,334 45,958 SH SOLE 0 0 45,958
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 884,176 10,698 SH SOLE 0 0 10,698
ISHARES TR S&P SML 600 GWT 464287887 880,433 4,930 SH SOLE 0 0 4,930
ISHARES TR MBS ETF 464288588 848,552 8,977 SH SOLE 0 0 8,977
INNOVATOR ETFS TRUST EQUI DEFI 1 DECE 45784N858 793,895 30,049 SH SOLE 0 0 30,049
ISHARES TR ESG AWR MSCI USA 46435G425 783,324 4,786 SH SOLE 0 0 4,786
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 766,535 21,140 SH SOLE 0 0 21,140
INNOVATOR ETFS TRUST EQUITY DEFIN 1YR 45784N700 722,458 26,165 SH SOLE 0 0 26,165
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 712,147 10,591 SH SOLE 0 0 10,591
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 696,029 932 SH SOLE 0 0 932
ISHARES TR S&P MC 400VL ETF 464287705 684,832 4,636 SH SOLE 0 0 4,636
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 680,030 1,359 SH SOLE 0 0 1,359
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 678,334 8,583 SH SOLE 0 0 8,583
VANGUARD INDEX FDS MID CAP ETF 922908629 667,139 8,280 SH SOLE 0 0 8,280
ISHARES TR CORE S&P SCP ETF 464287804 635,357 4,284 SH SOLE 0 0 4,284
JOHNSON & JOHNSON COM 478160104 615,855 2,425 SH SOLE 0 0 2,425
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 599,257 18,898 SH SOLE 0 0 18,898
ISHARES TR TIPS BD ETF 464287176 595,798 5,445 SH SOLE 0 0 5,445
ISHARES TR 0-5 YR TIPS ETF 46429B747 562,184 5,503 SH SOLE 0 0 5,503
INNOVATOR ETFS TRUST EQUI DEFI 1 JULY 45783Y251 520,759 17,376 SH SOLE 0 0 17,376
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 501,793 11,188 SH SOLE 0 0 11,188
ISHARES TR CORE MSCI EAFE 46432F842 485,696 5,029 SH SOLE 0 0 5,029
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 480,020 9,319 SH SOLE 0 0 9,319
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 462,586 7,843 SH SOLE 0 0 7,843
ISHARES TR SELECT DIVID ETF 464287168 461,292 2,951 SH SOLE 0 0 2,951
ISHARES TR INTRM GOV CR ETF 464288612 442,835 4,174 SH SOLE 0 0 4,174
NVIDIA CORPORATION COM 67066G104 413,409 2,066 SH SOLE 0 0 2,066
INNOVATOR ETFS TRUST EQUI DEFI 1 AUG 45783Y111 408,924 14,851 SH SOLE 0 0 14,851
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 403,134 17,806 SH SOLE 0 0 17,806
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 399,818 13,585 SH SOLE 0 0 13,585
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 380,115 15,414 SH SOLE 0 0 15,414
SPDR INDEX SHS FDS ST DOW GLOBA ETF 78463X749 372,475 7,493 SH SOLE 0 0 7,493
ISHARES TR RUSSELL 2000 ETF 464287655 363,320 1,209 SH SOLE 0 0 1,209
ISHARES TR ISHS 5-10YR INVT 464288638 344,047 6,471 SH SOLE 0 0 6,471
VANGUARD WORLD FD ESG US STK ETF 921910733 324,537 2,454 SH SOLE 0 0 2,454
ISHARES TR MSCI EAFE ETF 464287465 320,430 3,085 SH SOLE 0 0 3,085
ISHARES TR 7-10 YR TRSY BD 464287440 308,208 3,259 SH SOLE 0 0 3,259
VANGUARD WORLD FD ESG INTL STK ETF 921910725 298,476 3,625 SH SOLE 0 0 3,625
CSX CORP COM 126408103 294,258 6,191 SH SOLE 0 0 6,191
ISHARES TR ESG AWR US AGRGT 46435U549 267,140 5,635 SH SOLE 0 0 5,635
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 259,987 5,021 SH SOLE 0 0 5,021
ISHARES TR MRGSTR MD CP GRW 464288307 259,178 2,637 SH SOLE 0 0 2,637
SEMPRA COM 816851109 237,781 2,565 SH SOLE 0 0 2,565
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 237,637 10,377 SH SOLE 0 0 10,377
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C649 233,762 5,656 SH SOLE 0 0 5,656
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C730 233,591 6,061 SH SOLE 0 0 6,061
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C383 233,451 4,887 SH SOLE 0 0 4,887
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C532 228,782 5,489 SH SOLE 0 0 5,489
GE AEROSPACE COM NEW 369604301 227,975 610 SH SOLE 0 0 610
EVERSOURCE ENERGY COM 30040W108 227,893 3,153 SH SOLE 0 0 3,153
ISHARES TR S&P MC 400GR ETF 464287606 226,269 1,926 SH SOLE 0 0 1,926
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 220,014 11,217 SH SOLE 0 0 11,217
NORFOLK SOUTHN CORP COM 655844108 219,452 698 SH SOLE 0 0 698
INNOVATOR ETFS TRUST EQUI DEFI SEPT 45784N106 218,930 7,944 SH SOLE 0 0 7,944
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C300 214,603 4,734 SH SOLE 0 0 4,734
INNOVATOR ETFS TRUST DEFINED WLT SHLD 45783Y855 212,028 6,187 SH SOLE 0 0 6,187
ISHARES TR CORE S&P TTL STK 464287150 210,446 1,281 SH SOLE 0 0 1,281
INNOVATOR ETFS TRUST US EQTY ULTRA BU 45782C565 210,238 5,235 SH SOLE 0 0 5,235
ALPHABET INC CAP STK CL C 02079K107 206,126 583 SH SOLE 0 0 583
ALPHABET INC CAP STK CL A 02079K305 205,241 574 SH SOLE 0 0 574