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
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 708,010 1,892 SH SOLE 1,892 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 12,146,082 16,419 SH SOLE 16,419 0 0
ISHARES TR CORE S&P500 ETF 464287200 111,383,979 145,438 SH SOLE 145,438 0 0
ISHARES TR CORE S&P MCP ETF 464287507 33,992,634 472,448 SH SOLE 472,448 0 0
ISHARES TR CORE S&P SCP ETF 464287804 54,762,225 402,545 SH SOLE 402,545 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 1,608,033 66,338 SH SOLE 66,338 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 2,382,182 95,440 SH SOLE 95,440 0 0
ISHARES TR IBOXX INV CP ETF 464287242 5,302,018 51,889 SH SOLE 51,889 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,387,444 47,032 SH SOLE 47,032 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,781,828 76,319 SH SOLE 76,319 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,181,713 115,825 SH SOLE 115,825 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,453,014 130,894 SH SOLE 130,894 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,170,354 97,161 SH SOLE 97,161 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,005,801 79,817 SH SOLE 79,817 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 22,967,870 325,278 SH SOLE 325,278 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,229,899 256,785 SH SOLE 256,785 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 7,158,910 46,127 SH SOLE 46,127 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 6,300,933 86,480 SH SOLE 86,480 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,710,136 87,829 SH SOLE 87,829 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,254,392 80,963 SH SOLE 80,963 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 4,304,946 43,179 SH SOLE 43,179 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9 1,505,570 62,420 SH SOLE 62,420 0 0
ISHARES TR IBONDS DEC 2030 46436E726 2,915,904 137,933 SH SOLE 137,933 0 0
ISHARES TR IBONDS DEC 2032 46436E312 2,684,407 111,525 SH SOLE 111,525 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,454,850 281,828 SH SOLE 281,828 0 0
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 512,321 3,396 SH SOLE 3,396 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,390,794 31,678 SH SOLE 31,678 0 0
ISHARES TR MSCI EAFE ETF 464287465 6,011,528 57,864 SH SOLE 57,864 0 0
AMERICAN TOWER CORP COM 03027X100 353,407 2,159 SH SOLE 2,159 0 0
IOVANCE BIOTHERAPEUTICS INC COM 462260100 423,852 28,600 SH SOLE 28,600 0 0
MERCK & CO INC COM 58933Y105 752,270 5,177 SH SOLE 5,177 0 0
REGENERON PHARMACEUTICALS COM 75886F107 773,435 1,020 SH SOLE 1,020 0 0
TESLA INC COM 88160R101 369,002 1,040 SH SOLE 1,040 0 0
ISHARES TR TIPS BD ETF 464287176 1,064,433 10,231 SH SOLE 10,231 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,229,892 1,366 SH SOLE 1,366 0 0
ABBOTT LABORATORIES COM 002824100 588,939 5,959 SH SOLE 5,959 0 0
AIR PRODUCTS AND CHEMICALS I COM 009158106 416,510 1,497 SH SOLE 1,497 0 0
ALPHABET INC CAP STK CL C 02079K107 3,646,599 10,702 SH SOLE 10,702 0 0
AMERICAN EXPRESS CO COM 025816109 513,321 1,688 SH SOLE 1,688 0 0
AMGEN INC COM 031162100 749,866 1,779 SH SOLE 1,779 0 0
APPLE INC COM 037833100 6,813,922 20,461 SH SOLE 20,461 0 0
BANK OF AMER CORP COM 060505104 617,726 11,349 SH SOLE 11,349 0 0
BOEING CO COM 097023105 316,843 1,703 SH SOLE 1,703 0 0
CANADIAN NATL RY CO COM 136375102 387,257 3,257 SH SOLE 3,257 0 0
CATERPILLAR INC COM 149123101 1,617,526 1,995 SH SOLE 1,995 0 0
CHARLES SCHWAB CORP (THE) COM 808513105 676,556 6,922 SH SOLE 6,922 0 0
CISCO SYS INC COM 17275R102 1,014,143 9,422 SH SOLE 9,422 0 0
COLGATE PALMOLIVE CO COM 194162103 265,175 3,108 SH SOLE 3,108 0 0
CONOCOPHILLIPS COM 20825C104 401,606 3,209 SH SOLE 3,209 0 0
CORTEVA INC COM 22052L104 559,080 7,200 SH SOLE 7,200 0 0
DEERE & CO COM 244199105 1,148,351 1,710 SH SOLE 1,710 0 0
ECOLAB INC COM 278865100 264,421 963 SH SOLE 963 0 0
EOG RES INC COM 26875P101 472,930 3,433 SH SOLE 3,433 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 694,129 4,265 SH SOLE 4,265 0 0
FISERV INC COM 337738108 512,612 11,346 SH SOLE 11,346 0 0
GILEAD SCIENCES INC COM 375558103 528,233 3,544 SH SOLE 3,544 0 0
HOWMET AEROSPACE INC COM 443201108 773,762 3,421 SH SOLE 3,421 0 0
JOHNSON & JOHNSON COM 478160104 1,225,746 4,630 SH SOLE 4,630 0 0
JPMORGAN CHASE & CO COM 46625H100 3,384,391 10,230 SH SOLE 10,230 0 0
LOWES COS INC COM 548661107 536,468 2,911 SH SOLE 2,911 0 0
META PLATFORMS INC CL A 30303M102 1,335,056 1,841 SH SOLE 1,841 0 0
MICROSOFT CORP COM 594918104 5,530,088 10,782 SH SOLE 10,782 0 0
MORGAN STANLEY COM NEW 617446448 864,040 4,594 SH SOLE 4,594 0 0
NVIDIA CORPORATION COM 67066G104 2,279,689 9,982 SH SOLE 9,982 0 0
ORACLE CORP COM 68389X105 712,175 5,187 SH SOLE 5,187 0 0
PEPSICO INC COM 713448108 489,393 3,862 SH SOLE 3,862 0 0
PFIZER INC COM 717081103 242,334 8,497 SH SOLE 8,497 0 0
RTX CORPORATION COM 75513E101 945,330 5,092 SH SOLE 5,092 0 0
SLB LIMITED COM STK 806857108 381,380 7,828 SH SOLE 7,828 0 0
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 268,655 5,031 SH SOLE 5,031 0 0
TARGET CORP COM 87612E106 392,508 2,505 SH SOLE 2,505 0 0
TEXAS INSTRS INC COM 882508104 275,048 982 SH SOLE 982 0 0
DISNEY WALT CO COM 254687106 410,998 3,918 SH SOLE 3,918 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 731,079 1,083 SH SOLE 1,083 0 0
US BANCORP COM NEW 902973304 574,885 9,953 SH SOLE 9,953 0 0
UNITEDHEALTH GROUP INC COM 91324P102 465,457 1,268 SH SOLE 1,268 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 5,169,192 8,488 SH SOLE 8,488 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 761,211 1,456 SH SOLE 1,456 0 0
VISA INC COM CL A 92826C839 1,295,744 3,606 SH SOLE 3,606 0 0
ALLSTATE CORP COM 020002101 603,459 2,720 SH SOLE 2,720 0 0
AMAZON COM INC COM 023135106 1,763,733 7,079 SH SOLE 7,079 0 0
CITIGROUP INC COM NEW 172967424 369,536 2,854 SH SOLE 2,854 0 0
GE AEROSPACE COM NEW 369604301 459,691 1,472 SH SOLE 1,472 0 0
GENERAL MTRS CO COM 37045V100 267,575 3,475 SH SOLE 3,475 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 345,225 1,458 SH SOLE 1,458 0 0
SALESFORCE INC COM 79466L302 408,175 1,778 SH SOLE 1,778 0 0
SOUTHWEST AIRLS CO COM 844741108 314,798 7,560 SH SOLE 7,560 0 0
WALMART INC COM 931142103 690,341 6,643 SH SOLE 6,643 0 0
WELLS FARGO & CO COM 949746101 432,750 5,406 SH SOLE 5,406 0 0
REALTY INCOME CORP COM 756109104 454,969 8,379 SH SOLE 8,379 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 201,670 405 SH SOLE 405 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 322,923 423 SH SOLE 423 0 0
ALPHABET INC CAP STK CL A 02079K305 457,282 1,329 SH SOLE 1,329 0 0
SPDR GOLD TR GOLD SHS 78463V107 850,416 2,233 SH SOLE 2,233 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 271,776 978 SH SOLE 978 0 0
UNITED RENTALS INC COM 911363109 1,522,186 1,521 SH SOLE 1,521 0 0
INTEL CORP COM 458140100 252,483 2,100 SH SOLE 2,100 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 318,099 3,623 SH SOLE 3,623 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 293,625 1,500 SH SOLE 1,500 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 325,711 801 SH SOLE 801 0 0