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
PIMCO ETF TR MULTISECTOR BD 72201R585 12,771,604 503,017 SH SOLE 503,017 0 0
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562 1,523,216 38,670 SH SOLE 38,670 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 755,144 15,982 SH SOLE 15,982 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,990,403 33,559 SH SOLE 33,559 0 0
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 21,462,540 73,477 SH SOLE 73,477 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,725,099 61,166 SH SOLE 61,166 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 23,433,588 479,705 SH SOLE 479,705 0 0
HARBOR ETF TRUST LONG TERM GROWER 41151J406 2,758,881 80,410 SH SOLE 80,410 0 0
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 2,898,115 30,793 SH SOLE 30,793 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 26,484,216 337,723 SH SOLE 337,723 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 30,002,046 319,103 SH SOLE 319,103 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 26,570,107 294,863 SH SOLE 294,863 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 34,256,786 267,443 SH SOLE 267,443 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 6,710,718 56,982 SH SOLE 56,982 0 0
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 19,624,785 310,470 SH SOLE 310,470 0 0
HARBOR ETF TRUST DIVIDEND GTH LEA 41151J703 740,639 40,632 SH SOLE 40,632 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 986,316 20,730 SH SOLE 20,730 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 17,149,798 60,283 SH SOLE 60,283 0 0
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 10,266,828 30,391 SH SOLE 30,391 0 0
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 7,509,585 289,498 SH SOLE 289,498 0 0
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 2,578,303 32,933 SH SOLE 32,933 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 2,321,558 45,917 SH SOLE 45,917 0 0
PACER FDS TR GLOBL CASH ETF 69374H709 4,578,775 102,319 SH SOLE 102,319 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 15,834,169 527,806 SH SOLE 527,806 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,509,400 22,718 SH SOLE 22,718 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 19,667,338 218,259 SH SOLE 218,259 0 0
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508 3,858,270 154,454 SH SOLE 154,454 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 3,971,074 73,880 SH SOLE 73,880 0 0
CAPITAL GROUP GBL GROWTH EQT SHS CREAT UNIT 14020X104 390,259 9,810 SH SOLE 9,810 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 4,931,203 21,289 SH SOLE 21,289 0 0
BNY MELLON ETF TRUST II DYNAMIC VALUE 05613H100 1,763,838 52,339 SH SOLE 52,339 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 6,217,561 191,133 SH SOLE 191,133 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,141,438 37,794 SH SOLE 37,794 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,744,730 86,129 SH SOLE 86,129 0 0
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 9,809,469 50,169 SH SOLE 50,169 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 3,554,777 15,387 SH SOLE 15,387 0 0
ABBVIE INC COM 00287Y109 260,544 996 SH SOLE 996 0 0
ALPHABET INC CAP STK CL A 02079K305 1,628,126 4,732 SH SOLE 4,732 0 0
ALPHABET INC CAP STK CL C 02079K107 3,301,755 9,690 SH SOLE 9,690 0 0
APPLE INC COM 037833100 1,784,401 5,358 SH SOLE 5,358 0 0
ILLINOIS TOOL WKS INC COM 452308109 205,309 798 SH SOLE 798 0 0
MICROSOFT CORP COM 594918104 3,241,400 6,320 SH SOLE 6,320 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,869,627 56,128 SH SOLE 56,128 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 239,587 365 SH SOLE 365 0 0
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 747,676 16,697 SH SOLE 16,697 0 0
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 2,132,529 25,684 SH SOLE 25,684 0 0
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830 8,097,654 416,118 SH SOLE 416,118 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866 893,432 17,980 SH SOLE 17,980 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 647,207 12,890 SH SOLE 12,890 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 3,179,538 63,124 SH SOLE 63,124 0 0
T ROWE PRICE EXCHANGE-TRADED PRICE BLUE CHIP 87283Q107 2,645,764 51,464 SH SOLE 51,464 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 25,948,539 120,088 SH SOLE 120,088 0 0
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,370,811 36,169 SH SOLE 36,169 0 0
ISHARES INC CORE MSCI EMKT 46434G103 565,810 6,972 SH SOLE 6,972 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 19,621,994 27,997 SH SOLE 27,997 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 11,441,534 318,440 SH SOLE 318,440 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 5,454,256 7,152 SH SOLE 7,152 0 0
SPDR SERIES TRUST ST STR SP REGBNK 78464A698 424,278 6,110 SH SOLE 6,110 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 587,576 1,570 SH SOLE 1,570 0 0
BROADCOM INC COM 11135F101 1,372,198 3,907 SH SOLE 3,907 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 315,440 342 SH SOLE 342 0 0
TE CONNECTIVITY PLC ORD SHS G87052109 299,229 1,418 SH SOLE 1,418 0 0
UNITEDHEALTH GROUP INC COM 91324P102 229,300 625 SH SOLE 625 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 309,504 592 SH SOLE 592 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,523,820 91,876 SH SOLE 91,876 0 0
FIDELITY COVINGTON TRUST ENH MID COR ETF 31609A503 355,893 8,814 SH SOLE 8,814 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 5,334,171 98,872 SH SOLE 98,872 0 0
PACER FDS TR US CASH COWS 100 69374H881 2,529,181 37,885 SH SOLE 37,885 0 0
ISHARES TR CORE S&P500 ETF 464287200 5,806,575 7,582 SH SOLE 7,582 0 0
BLACKROCK INC COM 09290D101 212,716 201 SH SOLE 201 0 0
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609 10,737,450 111,177 SH SOLE 111,177 0 0
JPMORGAN CHASE & CO COM 46625H100 723,145 2,186 SH SOLE 2,186 0 0
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200 257,170 5,251 SH SOLE 5,251 0 0
AMAZON COM INC COM 023135106 961,968 3,861 SH SOLE 3,861 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 336,917 370 SH SOLE 370 0 0
NEXTERA ENERGY INC COM 65339F101 210,027 2,773 SH SOLE 2,773 0 0
NVIDIA CORPORATION COM 67066G104 1,814,821 7,946 SH SOLE 7,946 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 652,812 1,311 SH SOLE 1,311 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 565,242 11,935 SH SOLE 11,935 0 0
VISA INC COM CL A 92826C839 494,079 1,375 SH SOLE 1,375 0 0
ISHARES TR CORE S&P MCP ETF 464287507 657,630 9,140 SH SOLE 9,140 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 1,542,644 49,129 SH SOLE 49,129 0 0
SPDR SERIES TRUST ST STR P500GRW 78464A409 520,524 4,229 SH SOLE 4,229 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 233,308 1,354 SH SOLE 1,354 0 0
ARISTA NETWORKS INC COM SHS 040413205 240,643 1,182 SH SOLE 1,182 0 0
DANAHER CORP DEL COM 235851102 212,466 959 SH SOLE 959 0 0
ELI LILLY & CO COM 532457108 438,533 379 SH SOLE 379 0 0
ORACLE CORP COM 68389X105 276,213 2,012 SH SOLE 2,012 0 0
QUALCOMM INC COM 747525103 209,069 1,136 SH SOLE 1,136 0 0
TEXAS INSTRS INC COM 882508104 270,007 964 SH SOLE 964 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 318,238 3,726 SH SOLE 3,726 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 467,459 2,004 SH SOLE 2,004 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 478,713 1,315 SH SOLE 1,315 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 247,069 334 SH SOLE 334 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 253,535 832 SH SOLE 832 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635 744,812 17,488 SH SOLE 17,488 0 0
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 488,931 10,622 SH SOLE 10,622 0 0
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072216 378,806 4,490 SH SOLE 4,490 0 0
AMERICAN CENTY ETF TR AVAN US SMAL ETF 025072323 257,333 3,722 SH SOLE 3,722 0 0