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
VANGUARD INDEX FDS TOTAL STK MKT 922908769 720,416 1,947 SH SOLE 1,947 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 11,955,463 16,235 SH SOLE 16,235 0 0
ISHARES TR CORE S&P500 ETF 464287200 109,421,348 146,111 SH SOLE 146,111 0 0
ISHARES TR CORE S&P MCP ETF 464287507 35,444,691 459,664 SH SOLE 459,664 0 0
ISHARES TR CORE S&P SCP ETF 464287804 59,254,891 399,534 SH SOLE 399,534 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 1,607,370 66,338 SH SOLE 66,338 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 2,364,789 93,655 SH SOLE 93,655 0 0
ISHARES TR IBOXX INV CP ETF 464287242 2,241,825 20,554 SH SOLE 20,554 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,434,006 47,032 SH SOLE 47,032 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,775,195 76,536 SH SOLE 76,536 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,241,509 117,022 SH SOLE 117,022 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,862,711 131,888 SH SOLE 131,888 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,580,003 99,087 SH SOLE 99,087 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,144,963 80,942 SH SOLE 80,942 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 22,878,080 321,096 SH SOLE 321,096 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,338,400 256,968 SH SOLE 256,968 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 7,001,361 44,304 SH SOLE 44,304 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,789,469 75,482 SH SOLE 75,482 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,341,952 81,401 SH SOLE 81,401 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 4,411,167 43,179 SH SOLE 43,179 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9 1,511,812 62,420 SH SOLE 62,420 0 0
ISHARES TR IBONDS DEC 2030 46436E726 2,946,662 135,168 SH SOLE 135,168 0 0
ISHARES TR IBONDS DEC 2032 46436E312 2,723,669 108,125 SH SOLE 108,125 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,350,596 283,744 SH SOLE 283,744 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,225,192 30,535 SH SOLE 30,535 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,083,447 64,323 SH SOLE 64,323 0 0
ISHARES TR MSCI EAFE ETF 464287465 6,044,710 58,189 SH SOLE 58,189 0 0
AMERICAN TOWER CORP COM 03027X100 353,148 2,159 SH SOLE 2,159 0 0
PAYPAL HLDGS INC COM 70450Y103 262,362 6,076 SH SOLE 6,076 0 0
PNC FINL SVCS GROUP INC COM 693475105 210,518 855 SH SOLE 855 0 0
IOVANCE BIOTHERAPEUTICS INC COM 462260100 114,816 27,600 SH SOLE 27,600 0 0
MERCK & CO INC COM 58933Y105 665,245 5,177 SH SOLE 5,177 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 204,152 2,370 SH SOLE 2,370 0 0
REGENERON PHARMACEUTICALS COM 75886F107 636,011 1,020 SH SOLE 1,020 0 0
TESLA INC COM 88160R101 437,424 1,040 SH SOLE 1,040 0 0
ISHARES TR TIPS BD ETF 464287176 1,123,737 10,269 SH SOLE 10,269 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,402,770 1,387 SH SOLE 1,387 0 0
ABBOTT LABORATORIES COM 002824100 540,730 5,959 SH SOLE 5,959 0 0
AIR PRODUCTS AND CHEMICALS I COM 009158106 438,890 1,497 SH SOLE 1,497 0 0
ALPHABET INC CAP STK CL C 02079K107 3,781,338 10,702 SH SOLE 10,702 0 0
AMERICAN EXPRESS CO COM 025816109 570,966 1,688 SH SOLE 1,688 0 0
AMGEN INC COM 031162100 644,211 1,779 SH SOLE 1,779 0 0
APPLE INC COM 037833100 5,976,731 20,655 SH SOLE 20,655 0 0
BANK OF AMER CORP COM 060505104 646,666 11,349 SH SOLE 11,349 0 0
BOEING CO COM 097023105 368,648 1,703 SH SOLE 1,703 0 0
BUILDERS FIRSTSOURCE INC COM 12008R107 212,515 2,375 SH SOLE 2,375 0 0
CANADIAN NATL RY CO COM 136375102 388,365 3,257 SH SOLE 3,257 0 0
CATERPILLAR INC COM 149123101 2,135,125 2,005 SH SOLE 2,005 0 0
SCHWAB CHARLES CORP COM 808513105 638,693 6,922 SH SOLE 6,922 0 0
CISCO SYS INC COM 17275R102 1,106,766 9,422 SH SOLE 9,422 0 0
COLGATE PALMOLIVE CO COM 194162103 284,941 3,108 SH SOLE 3,108 0 0
CONOCOPHILLIPS COM 20825C104 333,608 3,209 SH SOLE 3,209 0 0
CONSTELLATION BRANDS INC CL A 21036P108 238,678 1,716 SH SOLE 1,716 0 0
CORTEVA INC COM 22052L104 609,768 7,200 SH SOLE 7,200 0 0
DEERE & CO COM 244199105 1,091,048 1,720 SH SOLE 1,720 0 0
ECOLAB INC COM 278865100 268,301 963 SH SOLE 963 0 0
EOG RES INC COM 26875P101 445,363 3,433 SH SOLE 3,433 0 0
EXXON MOBIL CORP COM 30231G102 695,358 5,086 SH SOLE 5,086 0 0
FISERV INC COM 337738108 556,521 11,346 SH SOLE 11,346 0 0
GILEAD SCIENCES INC COM 375558103 447,749 3,544 SH SOLE 3,544 0 0
HOWMET AEROSPACE INC COM 443201108 902,294 3,356 SH SOLE 3,356 0 0
JOHNSON & JOHNSON COM 478160104 1,175,881 4,630 SH SOLE 4,630 0 0
JPMORGAN CHASE & CO COM 46625H100 3,357,096 10,256 SH SOLE 10,256 0 0
LOWES COS INC COM 548661107 641,846 2,911 SH SOLE 2,911 0 0
META PLATFORMS INC CL A 30303M102 1,037,017 1,841 SH SOLE 1,841 0 0
MICROSOFT CORP COM 594918104 4,021,902 10,782 SH SOLE 10,782 0 0
MORGAN STANLEY COM NEW 617446448 960,330 4,594 SH SOLE 4,594 0 0
NVIDIA CORPORATION COM 67066G104 1,997,298 9,982 SH SOLE 9,982 0 0
ORACLE CORP COM 68389X105 760,155 5,187 SH SOLE 5,187 0 0
PEPSICO INC COM 713448108 522,915 3,862 SH SOLE 3,862 0 0
PFIZER INC COM 717081103 204,608 8,497 SH SOLE 8,497 0 0
RTX CORPORATION COM 75513E101 966,105 5,092 SH SOLE 5,092 0 0
SLB LIMITED COM STK 806857108 363,924 7,828 SH SOLE 7,828 0 0
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 269,712 5,031 SH SOLE 5,031 0 0
TARGET CORP COM 87612E106 327,178 2,505 SH SOLE 2,505 0 0
TEXAS INSTRS INC COM 882508104 292,705 982 SH SOLE 982 0 0
DISNEY WALT CO COM 254687106 377,108 3,918 SH SOLE 3,918 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 542,973 1,083 SH SOLE 1,083 0 0
US BANCORP COM NEW 902973304 601,161 9,953 SH SOLE 9,953 0 0
UNITEDHEALTH GROUP INC COM 91324P102 531,175 1,278 SH SOLE 1,278 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 5,580,968 8,509 SH SOLE 8,509 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 723,239 1,456 SH SOLE 1,456 0 0
VISA INC COM CL A 92826C839 1,245,417 3,630 SH SOLE 3,630 0 0
ALLSTATE CORP COM 020002101 647,197 2,720 SH SOLE 2,720 0 0
AMAZON COM INC COM 023135106 1,687,209 7,079 SH SOLE 7,079 0 0
CITIGROUP INC COM NEW 172967424 399,446 2,854 SH SOLE 2,854 0 0
GE AEROSPACE COM NEW 369604301 550,131 1,472 SH SOLE 1,472 0 0
GENERAL MTRS CO COM 37045V100 267,853 3,475 SH SOLE 3,475 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 423,680 1,458 SH SOLE 1,458 0 0
SALESFORCE INC COM 79466L302 278,541 1,778 SH SOLE 1,778 0 0
SOUTHWEST AIRLS CO COM 844741108 388,735 7,560 SH SOLE 7,560 0 0
WALMART INC COM 931142103 752,386 6,643 SH SOLE 6,643 0 0
WELLS FARGO & CO COM 949746101 446,752 5,406 SH SOLE 5,406 0 0
ZOETIS INC CL A 98978V103 203,148 2,827 SH SOLE 2,827 0 0
REALTY INCOME CORP COM 756109104 516,962 8,343 SH SOLE 8,343 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 202,658 405 SH SOLE 405 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 316,208 423 SH SOLE 423 0 0
ALPHABET INC CAP STK CL A 02079K305 474,945 1,329 SH SOLE 1,329 0 0
SPDR GOLD TR GOLD SHS 78463V107 822,593 2,233 SH SOLE 2,233 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 293,840 978 SH SOLE 978 0 0
UNITED RENTALS INC COM 911363109 1,723,126 1,521 SH SOLE 1,521 0 0
INTEL CORP COM 458140100 293,223 2,100 SH SOLE 2,100 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 273,355 3,623 SH SOLE 3,623 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 285,780 1,500 SH SOLE 1,500 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 318,542 801 SH SOLE 801 0 0