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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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 206,917 579 SH SOLE 0 0 0 579
AMAZON COM INC COM 023135106 324,142 1,360 SH SOLE 0 0 0 1,360
AMERICAN CENTY ETF TR US SML CP VALU 025072877 392,776 3,148 SH SOLE 0 0 0 3,148
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 600,168 6,220 SH SOLE 0 0 0 6,220
APPLE INC COM 037833100 423,623 1,464 SH SOLE 0 0 0 1,464
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 890,222 20,650 SH SOLE 0 0 0 20,650
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 2,674,357 39,323 SH SOLE 0 0 0 39,323
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 685,536 13,610 SH SOLE 0 0 0 13,610
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 1,162,107 22,043 SH SOLE 0 0 0 22,043
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 1,302,484 35,587 SH SOLE 0 0 0 35,587
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 1,130,247 40,294 SH SOLE 0 0 0 40,294
BLACKROCK ETF TRUST II ISHA GLO USD ETF 092528835 1,055,336 20,985 SH SOLE 0 0 0 20,985
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 1,251,763 23,916 SH SOLE 0 0 0 23,916
BONDBLOXX ETF TRUST BLOOMBERG TEN YR 09789C812 1,948,955 42,759 SH SOLE 0 0 0 42,759
CAPITAL GROUP INTERNATIONAL SHS 14021T102 309,760 8,512 SH SOLE 0 0 0 8,512
FIDELITY COVINGTON TRUST ENH MID COR ETF 31609A503 2,543,741 62,685 SH SOLE 0 0 0 62,685
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543 1,115,513 30,705 SH SOLE 0 0 0 30,705
GLOBAL X FDS DEFENSE TECH ETF 37960A529 688,635 11,533 SH SOLE 0 0 0 11,533
INTEL CORP COM 458140100 206,652 1,480 SH SOLE 0 0 0 1,480
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 869,895 5,385 SH SOLE 0 0 0 5,385
INVESCO QQQ TR UNIT SER 1 46090E103 284,987 387 SH SOLE 0 0 0 387
ISHARES INC CORE MSCI EMKT 46434G103 799,047 9,646 SH SOLE 0 0 0 9,646
ISHARES TR CORE MSCI TOTAL 46432F834 738,038 7,733 SH SOLE 0 0 0 7,733
ISHARES TR CORE MSCI EAFE 46432F842 16,780,557 173,748 SH SOLE 0 0 0 173,748
ISHARES TR MSCI USA QLT FCT 46432F339 720,828 3,285 SH SOLE 0 0 0 3,285
ISHARES TR CORE UNIVRSL USD 46434V613 4,363,065 94,541 SH SOLE 0 0 0 94,541
ISHARES TR 0-5 YR TIPS ETF 46429B747 466,258 4,564 SH SOLE 0 0 0 4,564
ISHARES TR US TREAS BD ETF 46429B267 3,099,062 136,043 SH SOLE 0 0 0 136,043
ISHARES TR SYSTEMATIC BD ET 46435U796 951,305 10,723 SH SOLE 0 0 0 10,723
ISHARES TR ESG AW MSCI EAFE 46435G516 381,528 3,711 SH SOLE 0 0 0 3,711
ISHARES TR CONV BD ETF 46435G102 570,099 4,683 SH SOLE 0 0 0 4,683
ISHARES TR CORE INTL AGGR 46435G672 419,170 8,284 SH SOLE 0 0 0 8,284
ISHARES TR US SML CAP EQT 46434V290 1,060,167 11,893 SH SOLE 0 0 0 11,893
ISHARES TR MSCI INTL VLU FT 46435G409 2,917,298 69,758 SH SOLE 0 0 0 69,758
ISHARES TR ESG AWR MSCI USA 46435G425 215,881 1,319 SH SOLE 0 0 0 1,319
ISHARES TR CORE S&P MCP ETF 464287507 360,500 4,675 SH SOLE 0 0 0 4,675
ISHARES TR S&P 500 VAL ETF 464287408 2,202,709 9,701 SH SOLE 0 0 0 9,701
ISHARES TR CORE S&P500 ETF 464287200 5,483,373 7,322 SH SOLE 0 0 0 7,322
ISHARES TR S&P 500 GRWT ETF 464287309 3,102,814 22,561 SH SOLE 0 0 0 22,561
ISHARES TR U.S. TECH ETF 464287721 513,793 2,037 SH SOLE 0 0 0 2,037
ISHARES TR S&P 100 ETF 464287101 237,084 648 SH SOLE 0 0 0 648
ISHARES TR CORE US AGGBD ET 464287226 228,743 2,311 SH SOLE 0 0 0 2,311
ISHARES TR EAFE VALUE ETF 464288877 563,638 7,363 SH SOLE 0 0 0 7,363
ISHARES TR EAFE GRWTH ETF 464288885 203,676 1,637 SH SOLE 0 0 0 1,637
ISHARES TR 10-20 YR TRS ETF 464288653 208,327 2,076 SH SOLE 0 0 0 2,076
ISHARES TR MBS ETF 464288588 2,642,535 27,957 SH SOLE 0 0 0 27,957
ISHARES TR NATIONAL MUN ETF 464288414 750,865 6,977 SH SOLE 0 0 0 6,977
ISHARES TR MSCI ACWI EX US 464288240 1,357,498 17,836 SH SOLE 0 0 0 17,836
J P MORGAN EXCHANGE TRADED F DIVERSFED RTRN 46641Q886 1,993,971 16,053 SH SOLE 0 0 0 16,053
LIMBACH HLDGS INC COM 53263P105 247,940 3,220 SH SOLE 0 0 0 3,220
MICROSOFT CORP COM 594918104 238,733 640 SH SOLE 0 0 0 640
NORTHROP GRUMMAN CORP COM 666807102 1,288,554 2,530 SH SOLE 0 0 0 2,530
NVIDIA CORPORATION COM 67066G104 394,577 1,972 SH SOLE 0 0 0 1,972
RBB FD INC F/M US TREASURY 74933W452 903,411 18,119 SH SOLE 0 0 0 18,119
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,250,842 183,780 SH SOLE 0 0 0 183,780
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,671,465 45,334 SH SOLE 0 0 0 45,334
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 413,783 14,938 SH SOLE 0 0 0 14,938
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 643,101 12,762 SH SOLE 0 0 0 12,762
SPDR SERIES TRUST ST STR P500ETF 78464A854 6,847,610 77,920 SH SOLE 0 0 0 77,920
SPDR SERIES TRUST ST STR P500VAL 78464A508 401,342 6,602 SH SOLE 0 0 0 6,602
SPDR SERIES TRUST ST STR P500GRW 78464A409 711,599 5,980 SH SOLE 0 0 0 5,980
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 356,259 4,853 SH SOLE 0 0 0 4,853
VANGUARD INDEX FDS VALUE ETF 922908744 12,837,396 58,906 SH SOLE 0 0 0 58,906
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,365,135 14,401 SH SOLE 0 0 0 14,401
VANGUARD INDEX FDS GROWTH ETF 922908736 12,308,065 142,884 SH SOLE 0 0 0 142,884
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 8,613,969 113,821 SH SOLE 0 0 0 113,821
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 216,243 2,582 SH SOLE 0 0 0 2,582
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,101,858 13,623 SH SOLE 0 0 0 13,623
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,729,472 62,481 SH SOLE 0 0 0 62,481
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 266,354 4,516 SH SOLE 0 0 0 4,516
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 331,228 7,076 SH SOLE 0 0 0 7,076
VANGUARD STAR FDS VG TL INTL STK F 921909768 242,450 2,836 SH SOLE 0 0 0 2,836
VANGUARD WORLD FD ESG US STK ETF 921910733 230,494 1,743 SH SOLE 0 0 0 1,743
WALMART INC COM 931142103 256,421 2,264 SH SOLE 0 0 0 2,264
WORLD GOLD TR SPDR GLD MINIS 98149E303 524,331 6,602 SH SOLE 0 0 0 6,602