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
ISHARES TR CORE S&P MCP ETF 464287507 2,298,657 29,810 SH SOLE 0 0 29,810
ISHARES TR S&P 500 VAL ETF 464287408 1,567,100 6,902 SH SOLE 0 0 6,902
ISHARES TR CORE S&P500 ETF 464287200 10,807,473 14,431 SH SOLE 0 0 14,431
ISHARES TR S&P 500 GRWT ETF 464287309 220,681 1,605 SH SOLE 0 0 1,605
AMAZON COM INC COM 023135106 4,968,199 20,845 SH SOLE 0 0 20,845
JOHNSON & JOHNSON COM 478160104 200,792 791 SH SOLE 0 0 791
MICROSOFT CORP COM 594918104 2,131,250 5,714 SH SOLE 0 0 5,714
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 380,849 7,171 SH SOLE 0 0 7,171
WALMART INC COM 931142103 1,899,935 16,775 SH SOLE 0 0 16,775
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 513,956 1,076 SH SOLE 0 0 1,076
MICRON TECHNOLOGY INC COM 595112103 2,332,193 2,020 SH SOLE 0 0 2,020
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,201,419 27,568 SH SOLE 0 0 27,568
APPLE INC COM 037833100 3,563,873 12,316 SH SOLE 0 0 12,316
ISHARES TR MSCI EMG MKT ETF 464287234 1,279,828 18,708 SH SOLE 0 0 18,708
ISHARES TR S&P 100 ETF 464287101 990,443 2,707 SH SOLE 0 0 2,707
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 2,344,673 3,575 SH SOLE 0 0 3,575
ISHARES TR CORE US AGGBD ET 464287226 5,890,729 59,514 SH SOLE 0 0 59,514
CONSOLIDATED EDISON INC COM 209115104 720,888 6,516 SH SOLE 0 0 6,516
NVIDIA CORPORATION COM 67066G104 912,842 4,562 SH SOLE 0 0 4,562
ISHARES TR MORNINGSTAR VALU 464288109 5,202,859 51,391 SH SOLE 0 0 51,391
PRICE T ROWE GROUP INC COM 74144T108 685,012 6,025 SH SOLE 0 0 6,025
ALPHABET INC CAP STK CL A 02079K305 1,498,166 4,192 SH SOLE 0 0 4,192
SPDR GOLD TR GOLD SHS 78463V107 411,480 1,117 SH SOLE 0 0 1,117
VANGUARD INDEX FDS MID CAP ETF 922908629 1,047,428 13,000 SH SOLE 0 0 13,000
VANGUARD INDEX FDS GROWTH ETF 922908736 9,914,938 115,103 SH SOLE 0 0 115,103
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 2,426,777 34,873 SH SOLE 0 0 34,873
ISHARES TR TRUST ISHARE 0-1 464288679 8,547,903 77,462 SH SOLE 0 0 77,462
ISHARES TR ISHS 1-5YR INVS 464288646 1,232,465 23,516 SH SOLE 0 0 23,516
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,696,493 60,281 SH SOLE 0 0 60,281
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,758,362 92,063 SH SOLE 0 0 92,063
ISHARES TR NATIONAL MUN ETF 464288414 2,829,377 26,290 SH SOLE 0 0 26,290
VISA INC COM CL A 92826C839 324,206 945 SH SOLE 0 0 945
SPDR SERIES TRUST ST STR P500ETF 78464A854 212,150 2,414 SH SOLE 0 0 2,414
DEFI TECHNOLOGIES INC COM 244916102 5,167 10,048 SH SOLE 0 0 10,048
ISHARES TR CORE 60 BALA ETF 464289867 200,628 2,887 SH SOLE 0 0 2,887
ISHARES TR SHRT NAT MUN ETF 464288158 5,477,295 51,444 SH SOLE 0 0 51,444
PIMCO ETF TR BROAD US TIPS 72201R403 2,048,821 39,158 SH SOLE 0 0 39,158
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 767,301 26,495 SH SOLE 0 0 26,495
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,747,199 135,278 SH SOLE 0 0 135,278
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10,804,600 319,285 SH SOLE 0 0 319,285
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,892,811 169,285 SH SOLE 0 0 169,285
TESLA INC COM 88160R101 5,147,032 12,237 SH SOLE 0 0 12,237
ISHARES TR 0-5 YR TIPS ETF 46429B747 457,458 4,478 SH SOLE 0 0 4,478
ISHARES TR CORE HIGH DV ETF 46429B663 2,377,735 86,747 SH SOLE 0 0 86,747
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 712,270 9,510 SH SOLE 0 0 9,510
ISHARES TR MSCI USA MIN ETF 46429B697 359,200 3,724 SH SOLE 0 0 3,724
META PLATFORMS INC CL A 30303M102 925,671 1,643 SH SOLE 0 0 1,643
ISHARES TR MSCI USA MMENTM 46432F396 1,716,550 5,007 SH SOLE 0 0 5,007
ISHARES TR MSCI USA VALUE 46432F388 4,322,559 21,633 SH SOLE 0 0 21,633
ISHARES TR MSCI USA QLT FCT 46432F339 412,125 1,878 SH SOLE 0 0 1,878
ISHARES U S ETF TR SHOR DURA BD ETF 46431W507 959,650 18,943 SH SOLE 0 0 18,943
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 281,956 3,650 SH SOLE 0 0 3,650
ALPHABET INC CAP STK CL C 02079K107 493,540 1,397 SH SOLE 0 0 1,397
ISHARES TR CORE UNIVRSL USD 46434V613 273,413 5,924 SH SOLE 0 0 5,924
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,112,447 46,438 SH SOLE 0 0 46,438
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 849,699 16,799 SH SOLE 0 0 16,799
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,389,851 9,795 SH SOLE 0 0 9,795
ISHARES TR CORE INTL AGGR 46435G672 455,602 9,004 SH SOLE 0 0 9,004
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 7,306,876 143,272 SH SOLE 0 0 143,272
FIDELITY COVINGTON TRUST INTL MULTIFACTOR 316092535 3,316,077 93,411 SH SOLE 0 0 93,411
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 1,348,933 25,773 SH SOLE 0 0 25,773
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305 222,442 5,084 SH SOLE 0 0 5,084
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 313,916 1,837 SH SOLE 0 0 1,837