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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
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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 S&P 500 ETF SHS 922908363 35,691,684 50,926 SH SOLE 0 50,926 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 20,807,885 661,197 SH SOLE 0 661,197 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 18,238,119 663,929 SH SOLE 0 663,929 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 17,283,698 342,999 SH SOLE 0 342,999 0 0
VICTORY PORTFOLIOS II CORE BD ETF 92647N527 17,109,725 383,252 SH SOLE 0 383,252 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 10,737,220 357,907 SH SOLE 0 357,907 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 10,607,448 135,265 SH SOLE 0 135,265 0 0
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 10,341,025 132,086 SH SOLE 0 132,086 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 10,276,412 131,227 SH SOLE 0 131,227 0 0
ISHARES INC MSCI EMRG CHN 46434G764 7,270,221 73,377 SH SOLE 0 73,377 0 0
ISHARES TR CORE US AGGBD ET 464287226 6,801,865 71,947 SH SOLE 0 71,947 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 6,800,758 180,823 SH SOLE 0 180,823 0 0
ISHARES TR CRE U S REIT ETF 464288521 5,427,704 88,141 SH SOLE 0 88,141 0 0
FIDELITY COVINGTON TRUST ENHANCED SML CAP 31609A206 5,426,253 120,718 SH SOLE 0 120,718 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,903,156 103,529 SH SOLE 0 103,529 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 3,916,388 41,922 SH SOLE 0 41,922 0 0
ISHARES TR CORE S&P MCP ETF 464287507 2,889,198 3,773 SH SOLE 0 3,773 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,463,611 84,054 SH SOLE 0 84,054 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,402,481 70,620 SH SOLE 0 70,620 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,260,307 23,331 SH SOLE 0 23,331 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 2,259,176 9,779 SH SOLE 0 9,779 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703 2,122,966 28,827 SH SOLE 0 28,827 0 0
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 2,109,503 10,789 SH SOLE 0 10,789 0 0
WISDOMTREE TR US MIDCAP FUND 97717W570 1,925,005 21,986 SH SOLE 0 21,986 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 1,717,902 15,804 SH SOLE 0 15,804 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 1,460,808 15,565 SH SOLE 0 15,565 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,173,209 35,955 SH SOLE 0 35,955 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,149,110 11,366 SH SOLE 0 11,366 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 884,061 3,108 SH SOLE 0 3,108 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 859,827 17,286 SH SOLE 0 17,286 0 0
APPLE INC COM 037833100 810,449 2,434 SH SOLE 0 2,434 0 0
WISDOMTREE TR INTL SMCAP DIV 97717W760 769,762 14,268 SH SOLE 0 14,268 0 0
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 704,915 2,003 SH SOLE 0 2,003 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 700,261 7,448 SH SOLE 0 7,448 0 0
NATIXIS ETF TR GATEWAY QUALITY 63873X307 567,769 9,395 SH SOLE 0 9,395 0 0
ISHARES TR ESG MSCI KLD ETF 464288570 523,737 3,583 SH SOLE 0 3,583 0 0
FIRST TR EXCHANGE-TRADED FD COM SHS ANNUAL 33718M105 494,509 6,903 SH SOLE 0 6,903 0 0
ISHARES TR TIPS BD ETF 464287176 468,180 4,500 SH SOLE 0 4,500 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 439,405 4,264 SH SOLE 0 4,264 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 411,412 4,719 SH SOLE 0 4,719 0 0
ISHARES TR CORE MSCI EAFE 46432F842 408,820 5,682 SH SOLE 0 5,682 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 321,248 6,119 SH SOLE 0 6,119 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 261,146 2,498 SH SOLE 0 2,498 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 260,053 5,014 SH SOLE 0 5,014 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318 237,643 5,624 SH SOLE 0 5,624 0 0
VICTORY PORTFOLIOS II SHS FR CA FL ETF 92647X830 217,114 4,241 SH SOLE 0 4,241 0 0
NVIDIA CORPORATION COM 67066G104 216,961 950 SH SOLE 0 950 0 0
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 203,897 4,115 SH SOLE 0 4,115 0 0