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
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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
ALPHABET INC CAP STK CL A 02079K305 226,930 635 SH SOLE 0 0 635
AMAZON COM INC COM 023135106 227,853 956 SH SOLE 0 0 956
BONDBLOXX ETF TRUST BLOOMBERG FVE YR 09789C838 222,224 4,565 SH SOLE 0 0 4,565
EA SERIES TRUST BRIDGEWAY BLUE 02072L714 267,135 16,190 SH SOLE 0 0 16,190
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 30,188,445 663,628 SH SOLE 0 0 663,628
HASBRO INC COM 418056107 373,059 4,517 SH SOLE 0 0 4,517
HOME DEPOT INC COM 437076102 234,248 664 SH SOLE 0 0 664
INNOVATOR ETFS TRUST LADDERED ALC BFR 45783Y756 9,265,721 235,709 SH SOLE 0 0 235,709
INVESCO QQQ TR UNIT SER 1 46090E103 1,219,127 1,656 SH SOLE 0 0 1,656
ISHARES INC CORE MSCI EMKT 46434G103 440,574 5,318 SH SOLE 0 0 5,318
ISHARES TR CONV BD ETF 46435G102 6,398,118 52,556 SH SOLE 0 0 52,556
ISHARES TR CORE INTL AGGR 46435G672 1,112,542 21,987 SH SOLE 0 0 21,987
ISHARES TR CORE S&P MCP ETF 464287507 265,751 3,446 SH SOLE 0 0 3,446
ISHARES TR CORE S&P500 ETF 464287200 277,089 370 SH SOLE 0 0 370
ISHARES TR FALN ANGLS USD 46435G474 7,260,563 266,540 SH SOLE 0 0 266,540
ISHARES TR ISHS 5-10YR INVT 464288638 312,108 5,870 SH SOLE 0 0 5,870
ISHARES TR MRGSTR MD CP GRW 464288307 23,936,532 243,505 SH SOLE 0 0 243,505
ISHARES TR MSCI EAFE SMCP 46435G839 25,242,901 587,317 SH SOLE 0 0 587,317
MICROSOFT CORP COM 594918104 240,971 646 SH SOLE 0 0 646
MORGAN STANLEY COM NEW 617446448 205,486 983 SH SOLE 0 0 983
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 25,084,615 475,448 SH SOLE 0 0 475,448
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 18,524,557 547,416 SH SOLE 0 0 547,416
SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 17,066,529 387,611 SH SOLE 0 0 387,611
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 22,545,962 435,418 SH SOLE 0 0 435,418
SPDR INDEX SHS FDS ST STR SP N AM 78463X152 26,967,193 357,181 SH SOLE 0 0 357,181
SPDR SERIES TRUST ST INTER ETF 78464A672 2,147,675 75,649 SH SOLE 0 0 75,649
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 1,263,522 53,905 SH SOLE 0 0 53,905
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 36,843,812 1,227,718 SH SOLE 0 0 1,227,718
SPDR SERIES TRUST ST STR SP400VAL 78464A839 9,670,259 101,953 SH SOLE 0 0 101,953
SPDR SERIES TRUST STATE STRET SPDR 78468R861 1,094,495 57,818 SH SOLE 0 0 57,818
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 9,340,331 12,508 SH SOLE 0 0 12,508
TCW ETF TRUST TRANS SYSTE ETF 29287L205 1,963,517 15,969 SH SOLE 0 0 15,969
VANECK ETF TRUST GREEN BOND ETF 92189F171 357,633 14,818 SH SOLE 0 0 14,818
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 2,632,413 17,158 SH SOLE 0 0 17,158
VANGUARD INDEX FDS GROWTH ETF 922908736 44,685,916 518,759 SH SOLE 0 0 518,759
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,012,398 11,666 SH SOLE 0 0 11,666
VANGUARD INDEX FDS SM CP VAL ETF 922908611 20,427,261 84,066 SH SOLE 0 0 84,066
VANGUARD INDEX FDS VALUE ETF 922908744 35,685,502 163,748 SH SOLE 0 0 163,748
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 23,656,512 451,633 SH SOLE 0 0 451,633