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
Estimated average burden
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
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 2,128,313 57,772 SH SOLE 57,772 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 527,153 18,203 SH SOLE 18,203 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 756,481 18,614 SH SOLE 18,614 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 599,300 33,518 SH SOLE 33,518 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 2,338,959 119,793 SH SOLE 119,793 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 2,477,036 126,283 SH SOLE 126,283 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 2,977,713 146,217 SH SOLE 146,217 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 3,250,436 174,990 SH SOLE 174,990 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 3,486,121 209,440 SH SOLE 209,440 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429 3,162,905 193,037 SH SOLE 193,037 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHS 2032 46139W858 2,700,086 131,647 SH SOLE 131,647 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 888,834 9,205 SH SOLE 9,205 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 9,322,198 188,137 SH SOLE 187,259 0 878
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 18,003,500 567,755 SH SOLE 566,513 0 1,241
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 17,737,122 23,752 SH SOLE 23,740 0 12
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 527,502 5,470 SH SOLE 5,470 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 719,780 14,636 SH SOLE 14,636 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 1,565,786 7,136 SH SOLE 7,136 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 5,089,734 20,672 SH SOLE 20,598 0 74
SSGA ACTIVE ETF TR ST STR BL LN ETF 78467V608 954,587 23,693 SH SOLE 23,693 0 0
SPDR SERIES TRUST SP KENSHO NEWEC 78468R648 408,819 5,718 SH SOLE 5,636 0 81
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 852,801 10,183 SH SOLE 10,183 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,390,706 3,758 SH SOLE 3,758 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 414,285 4,030 SH SOLE 4,030 0 0
ISHARES TR ESG AWARE MSCI 46435U663 403,635 7,217 SH SOLE 7,217 0 0
ISHARES TR ESG OPTIMIZED 464288802 657,536 4,261 SH SOLE 4,261 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 395,956 8,352 SH SOLE 8,352 0 0
SPDR SERIES TRUST SP KENSHO CLEAN 78468R655 705,743 6,240 SH SOLE 6,152 0 88
INVESCO QQQ TR UNIT SER 1 46090E103 3,211,484 4,361 SH SOLE 4,361 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 708,651 19,019 SH SOLE 19,019 0 0
INVESCO EXCH TRD SLF IDX FD BUL 2033 COR ETF 46139W825 1,626,263 77,239 SH SOLE 77,239 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,206,529 7,279 SH SOLE 7,279 0 0
SPDR SERIES TRUST ST STR FACTSET 78464A110 354,104 1,808 SH SOLE 1,808 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,055,550 25,513 SH SOLE 25,513 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 1,185,994 10,507 SH SOLE 10,398 0 109
ISHARES TR SELECT US REIT 464287564 296,499 4,384 SH SOLE 4,317 0 67
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,642,310 7,225 SH SOLE 7,215 0 10
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,419,338 14,072 SH SOLE 14,039 0 33
ISHARES TR CORE S&P500 ETF 464287200 6,485,265 8,660 SH SOLE 8,660 0 0
ISHARES TR MRGSTR SM CP ETF 464288505 469,368 6,216 SH SOLE 6,216 0 0
SPDR SERIES TRUST ST TERM HIGH ETF 78468R408 765,075 30,566 SH SOLE 30,566 0 0
SPDR SERIES TRUST ST STR BL 12 ETF 78468R523 573,161 5,767 SH SOLE 5,767 0 0
SPDR SERIES TRUST ST STR MSCI USAQ 78468R812 635,728 3,402 SH SOLE 3,402 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 964,310 13,534 SH SOLE 13,534 0 0
SPDR SERIES TRUST ST STR RATE ETF 78468R200 293,032 9,499 SH SOLE 9,499 0 0
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 805,035 31,545 SH SOLE 31,545 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 1,671,607 5,517 SH SOLE 5,517 0 0
SPDR INDEX SHS FDS ST STR MSCI EAFE 78463X434 364,122 3,792 SH SOLE 3,792 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 578,774 3,038 SH SOLE 3,038 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,374,808 6,461 SH SOLE 6,461 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 495,811 5,140 SH SOLE 5,140 0 0
SPDR SERIES TRUST SPDR S&P 500 ESG 78468R531 716,663 9,827 SH SOLE 9,827 0 0
ISHARES TR CORE DIV GRWTH 46434V621 1,520,730 20,065 SH SOLE 20,065 0 0
ISHARES TR MSCI USA SMCP MN 46435G433 345,295 7,500 SH SOLE 7,500 0 0
NVIDIA CORPORATION COM 67066G104 1,738,708 8,690 SH SOLE 8,690 0 0
ISHARES TR MSCI ACWI EX US 464288240 305,360 4,012 SH SOLE 4,012 0 0
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 267,632 3,266 SH SOLE 3,266 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 767,519 10,455 SH SOLE 10,455 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 954,137 1,357 SH SOLE 1,357 0 0
SPDR SERIES TRUST ST STR SP600 SML 78468R853 984,736 17,075 SH SOLE 17,075 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 244,496 3,264 SH SOLE 3,264 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 411,672 3,366 SH SOLE 3,366 0 0
ISHARES TR MSCI USA MMENTM 46432F396 325,818 950 SH SOLE 950 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,511,721 6,569 SH SOLE 6,569 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 260,653 3,049 SH SOLE 3,049 0 0
SPDR SERIES TRUST ST STR SP1500VT 78464A128 708,956 2,976 SH SOLE 2,976 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHARES 46139W759 651,147 31,810 SH SOLE 31,810 0 0
ISHARES TR INTL DIV GRWTH 46435G524 457,527 5,203 SH SOLE 5,203 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,250,270 34,672 SH SOLE 34,672 0 0
SPDR SERIES TRUST ST STR P400MID 78464A847 527,898 7,814 SH SOLE 7,814 0 0
INVESCO EXCH TRD SLF IDX FD BULL 2034 CO ETF 46139W783 511,579 24,756 SH SOLE 24,756 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,037,536 12,045 SH SOLE 12,045 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 548,491 2,517 SH SOLE 2,517 0 0
ADVANCED MICRO DEVICES INC COM 007903107 702,320 1,209 SH SOLE 1,209 0 0
ALPHABET INC CAP STK CL A 02079K305 598,832 1,676 SH SOLE 1,676 0 0
ALPHABET INC CAP STK CL C 02079K107 665,701 1,884 SH SOLE 1,884 0 0
AMAZON COM INC COM 023135106 4,270,369 17,917 SH SOLE 17,917 0 0
APPLE INC COM 037833100 1,630,087 5,633 SH SOLE 5,633 0 0
APPLIED MATLS INC COM 038222105 208,947 289 SH SOLE 289 0 0
AT&T INC COM 00206R102 217,047 10,485 SH SOLE 10,485 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 283,721 567 SH SOLE 567 0 0
BROADCOM INC COM 11135F101 590,423 1,563 SH SOLE 1,563 0 0
EATON CORP PLC SHS G29183103 309,494 726 SH SOLE 726 0 0
ELI LILLY & CO COM 532457108 310,652 259 SH SOLE 259 0 0
INTEL CORP COM 458140100 229,412 1,643 SH SOLE 1,643 0 0
JOHNSON & JOHNSON COM 478160104 233,681 920 SH SOLE 920 0 0
JPMORGAN CHASE & CO COM 46625H100 372,684 1,139 SH SOLE 1,139 0 0
META PLATFORMS INC CL A 30303M102 523,265 929 SH SOLE 929 0 0
MICRON TECHNOLOGY INC COM 595112103 437,476 379 SH SOLE 379 0 0
MICROSOFT CORP COM 594918104 953,880 2,557 SH SOLE 2,557 0 0
NETFLIX INC. COM 64110L106 239,333 3,352 SH SOLE 3,352 0 0
TESLA INC COM 88160R101 577,484 1,373 SH SOLE 1,373 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 323,384 2,351 SH SOLE 2,351 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 677,325 8,226 SH SOLE 8,226 0 0
ISHARES TR RUSEL 2500 ETF 46435G268 250,756 2,737 SH SOLE 2,737 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 238,704 4,719 SH SOLE 4,719 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 272,557 2,090 SH SOLE 2,090 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,111,441 7,494 SH SOLE 7,494 0 0
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 1,076,727 23,091 SH SOLE 23,091 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 369,102 2,973 SH SOLE 2,973 0 0
ISHARES TR MSCI EAFE ETF 464287465 256,350 2,468 SH SOLE 2,468 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHS 32 MUN 46139W833 226,054 8,992 SH SOLE 8,992 0 0
ISHARES TR MRGSTR SM CP GR 464288604 263,863 4,026 SH SOLE 4,026 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 683,733 7,780 SH SOLE 7,780 0 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 228,451 3,840 SH SOLE 3,840 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 222,241 2,690 SH SOLE 2,690 0 0
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 232,614 5,158 SH SOLE 5,158 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 304,904 12,950 SH SOLE 12,950 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494 207,229 8,766 SH SOLE 8,766 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486 210,988 9,001 SH SOLE 9,001 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478 219,189 9,518 SH SOLE 9,518 0 0
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445 217,558 9,926 SH SOLE 9,926 0 0
INVESCO EXCH TRD SLF IDX FD BULLE MUN ETF 46139W791 251,248 9,736 SH SOLE 9,736 0 0
SSGA ACTIVE TR STATE STREET MY 78470P820 403,199 16,083 SH SOLE 16,083 0 0
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 225,951 433 SH SOLE 433 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 15,542 113 SH SOLE 113 0 0
ISHARES TR CORE MSCI INTL 46435G326 470,738 5,289 SH SOLE 5,289 0 0