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
ABBVIE INC COM 00287Y109 345,355 1,320 SH SOLE 1,320 0 0
ALPHABET INC CAP STK CL C 02079K107 749,011 2,198 SH SOLE 2,198 0 0
AMAZON COM INC COM 023135106 1,615,520 6,484 SH SOLE 6,484 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 854,258 7,810 SH SOLE 7,810 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 913,745 7,759 SH SOLE 7,759 0 0
AMERICAN TOWER CORP COM 03027X100 317,933 1,942 SH SOLE 1,942 0 0
APPLE INC COM 037833100 3,232,111 9,705 SH SOLE 9,705 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,656,868 3,327 SH SOLE 3,327 0 0
BROADCOM INC COM 11135F101 242,500 691 SH SOLE 691 0 0
BURLINGTON STORES INC COM 122017106 231,387 866 SH SOLE 866 0 0
CAPITAL ONE FINL CORP COM 14040H105 4,386,962 22,722 SH SOLE 22,722 0 0
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 1,460,087 36,393 SH SOLE 36,393 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 361,375 8,523 SH SOLE 8,523 0 0
DIMENSIONAL ETF TRUST GLOBAL CR ETF 25434V567 1,378,380 26,555 SH SOLE 26,555 0 0
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 1,395,089 30,020 SH SOLE 30,020 0 0
DIMENSIONAL ETF TRUST ULTR FIX INC ETF 25434V591 214,421 4,247 SH SOLE 4,247 0 0
EA SERIES TRUST CAMB US EQUA ETF 02072Q572 502,034 9,073 SH SOLE 9,073 0 0
INNOVATOR ETFS TRUST INNOVATOR INTER 45783Y533 595,649 17,059 SH SOLE 17,059 0 0
INNOVATOR ETFS TRUST INTERNATIONAL DV 45782C631 419,436 11,105 SH SOLE 11,105 0 0
INNOVATOR ETFS TRUST INTL DE PW JUNE 45783Y285 270,171 8,651 SH SOLE 8,651 0 0
INNOVATOR ETFS TRUST INTL DE PWR DECE 45783Y426 486,615 14,094 SH SOLE 14,094 0 0
INNOVATOR ETFS TRUST INTL DEV PWR BUF 45783Y459 344,888 9,369 SH SOLE 9,369 0 0
INNOVATOR ETFS TRUST INTL DEVELOPED P 45783Y350 235,425 7,500 SH SOLE 7,500 0 0
INNOVATOR ETFS TRUST INTRNL DEV JULY 45782C722 591,734 16,378 SH SOLE 16,378 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540 256,991 5,455 SH SOLE 5,455 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656 470,786 10,047 SH SOLE 10,047 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 251,091 1,142 SH SOLE 1,142 0 0
INVESCO EXCH TRD SLF IDX FD BULL 2034 CO ETF 46139W783 216,055 11,070 SH SOLE 11,070 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 12,838,683 61,719 SH SOLE 61,719 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 2,360,515 3,200 SH Put SOLE 3,200 0 0
ISHARES INC CORE MSCI EMKT 46434G103 5,362,480 66,073 SH SOLE 66,073 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 899,173 10,068 SH SOLE 10,068 0 0
ISHARES TR CORE DIV GRWTH 46434V621 18,373,372 243,711 SH SOLE 243,711 0 0
ISHARES TR CORE MSCI EAFE 46432F842 13,024,912 134,444 SH SOLE 134,444 0 0
ISHARES TR CORE MSCI INTL 46435G326 332,955 3,721 SH SOLE 3,721 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,167,888 15,936 SH SOLE 15,936 0 0
ISHARES TR CORE S&P500 ETF 464287200 42,439,875 55,415 SH SOLE 55,415 0 0
ISHARES TR HDG MSCI EAFE 46434V803 404,521 8,720 SH SOLE 8,720 0 0
ISHARES TR IBOXX INV CP ETF 464287242 468,189 4,582 SH SOLE 4,582 0 0
ISHARES TR MSCI EAFE ETF 464287465 881,358 8,484 SH SOLE 8,484 0 0
ISHARES TR NATIONAL MUN ETF 464288414 858,238 8,489 SH SOLE 8,489 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 890,348 7,108 SH SOLE 7,108 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 209,005 843 SH SOLE 843 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 536,050 1,929 SH SOLE 1,929 0 0
ISHARES TR SP SMCP600VL ETF 464287879 609,997 4,762 SH SOLE 4,762 0 0
ISHARES TR U.S. REAL ES ETF 464287739 329,504 3,467 SH SOLE 3,467 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 20,870,568 493,861 SH SOLE 493,861 0 0
JOHNSON & JOHNSON COM 478160104 245,636 928 SH SOLE 928 0 0
JOHNSON CONTROLS INTERNATION SHS G51502105 763,318 5,135 SH SOLE 5,135 0 0
JPMORGAN CHASE & CO COM 46625H100 751,910 2,273 SH SOLE 2,273 0 0
LOCKHEED MARTIN CORP COM 539830109 1,653,115 3,246 SH SOLE 3,246 0 0
MCDONALDS CORP COM 580135101 337,747 1,462 SH SOLE 1,462 0 0
MICROSOFT CORP COM 594918104 743,833 1,450 SH SOLE 1,450 0 0
MORGAN STANLEY COM NEW 617446448 7,082,043 37,654 SH SOLE 37,654 0 0
NETFLIX INC. COM 64110L106 680,562 9,781 SH SOLE 9,781 0 0
NVIDIA CORPORATION COM 67066G104 869,136 3,806 SH SOLE 3,806 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 254,388 1,360 SH SOLE 1,360 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N726 1,126,418 33,695 SH SOLE 33,695 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N700 201,961 6,050 SH SOLE 6,050 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N502 756,355 21,451 SH SOLE 21,451 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N767 224,288 7,051 SH SOLE 7,051 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N791 385,537 11,614 SH SOLE 11,614 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N304 921,994 26,374 SH SOLE 26,374 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N742 291,532 8,696 SH SOLE 8,696 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N106 481,495 13,488 SH SOLE 13,488 0 0
PROCTER & GAMBLE CO COM 742718109 259,847 1,789 SH SOLE 1,789 0 0
QUALCOMM INC COM 747525103 403,479 2,192 SH SOLE 2,192 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 229,038 8,338 SH SOLE 8,338 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,637,851 101,248 SH SOLE 101,248 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,504,312 105,203 SH SOLE 105,203 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 609,033 20,301 SH SOLE 20,301 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 268,359 12,176 SH SOLE 12,176 0 0
SHOPIFY INC CL A SUB VTG SHS 82509L107 335,900 2,265 SH SOLE 2,265 0 0
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 214,674 1,423 SH SOLE 1,423 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 682,259 13,588 SH SOLE 13,588 0 0
SPDR SERIES TRUST ST NUVE HIGH ETF 78464A284 202,804 8,641 SH SOLE 8,641 0 0
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 1,194,427 25,604 SH SOLE 25,604 0 0
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 252,580 8,536 SH SOLE 8,536 0 0
SPDR SERIES TRUST ST STR NUVEE ETF 78468R721 514,352 12,026 SH SOLE 12,026 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 657,124 7,321 SH SOLE 7,321 0 0
SPDR SERIES TRUST ST STR SP600 SML 78468R853 259,499 4,909 SH SOLE 4,909 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 7,818,550 10,252 SH SOLE 10,252 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 305,055 400 SH Put SOLE 400 0 0
TESLA INC COM 88160R101 278,526 785 SH SOLE 785 0 0
UNITEDHEALTH GROUP INC COM 91324P102 336,026 915 SH SOLE 915 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 28,231,814 121,883 SH SOLE 121,883 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 2,050,143 22,752 SH SOLE 22,752 0 0
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 282,088 835 SH SOLE 835 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 529,436 1,861 SH SOLE 1,861 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 240,733 1,042 SH SOLE 1,042 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 2,218,924 5,929 SH SOLE 5,929 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 865,185 4,004 SH SOLE 4,004 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 18,326,140 204,464 SH SOLE 204,464 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 660,781 943 SH SOLE 943 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,575,407 195,168 SH SOLE 195,168 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,104,183 12,721 SH SOLE 12,721 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 707,985 14,949 SH SOLE 14,949 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 25,009,404 441,394 SH SOLE 441,394 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 16,108,987 205,708 SH SOLE 205,708 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 34,568,554 447,489 SH SOLE 447,489 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 8,352,882 35,802 SH SOLE 35,802 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 34,335,598 486,271 SH SOLE 486,271 0 0
VISA INC COM CL A 92826C839 718,011 1,998 SH SOLE 1,998 0 0