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
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 744,839 18,752 SH SOLE 18,752 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 718,795 19,112 SH SOLE 19,112 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 9,079,040 183,526 SH SOLE 182,648 0 878
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 18,755,789 576,569 SH SOLE 575,318 0 1,251
ISHARES TR MSCI EAFE ETF 464287465 256,374 2,468 SH SOLE 2,468 0 0
ISHARES TR MRGSTR SM CP ETF 464288505 434,013 6,097 SH SOLE 6,097 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 18,763,399 24,604 SH SOLE 24,591 0 12
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 891,362 1,357 SH SOLE 1,357 0 0
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 2,357,218 6,978 SH SOLE 6,967 0 10
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,416,319 3,785 SH SOLE 3,785 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 4,858,343 20,975 SH SOLE 20,900 0 74
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 2,807,925 75,849 SH SOLE 75,849 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 571,471 19,497 SH SOLE 19,497 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 579,932 34,014 SH SOLE 34,014 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 2,283,817 116,999 SH SOLE 116,999 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 2,658,842 136,037 SH SOLE 136,037 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 3,108,609 154,465 SH SOLE 154,465 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 3,302,643 181,464 SH SOLE 181,464 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 3,643,467 225,741 SH SOLE 225,741 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429 3,284,173 208,254 SH SOLE 208,254 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHS 2032 46139W858 2,926,539 149,428 SH SOLE 149,428 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 856,086 9,061 SH SOLE 9,061 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 494,996 5,523 SH SOLE 5,523 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 635,006 13,554 SH SOLE 13,554 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 1,464,706 6,591 SH SOLE 6,591 0 0
SSGA ACTIVE ETF TR ST STR BL LN ETF 78467V608 876,902 21,711 SH SOLE 21,711 0 0
SPDR SERIES TRUST SP KENSHO NEWEC 78468R648 339,962 5,116 SH SOLE 5,034 0 82
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 850,132 10,246 SH SOLE 10,246 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 420,404 4,080 SH SOLE 4,080 0 0
ISHARES TR ESG AWARE MSCI 46435U663 376,347 7,237 SH SOLE 7,237 0 0
ISHARES TR ESG OPTIMIZED 464288802 664,550 4,269 SH SOLE 4,269 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 384,094 8,488 SH SOLE 8,488 0 0
SPDR SERIES TRUST SPDR S&P 500 ESG 78468R531 787,658 10,635 SH SOLE 10,635 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,109,869 4,204 SH SOLE 4,204 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 2,006,184 54,724 SH SOLE 54,724 0 0
INVESCO EXCH TRD SLF IDX FD BUL 2033 COR ETF 46139W825 1,721,923 86,101 SH SOLE 86,101 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 2,089,636 7,345 SH SOLE 7,345 0 0
SPDR SERIES TRUST ST STR FACTSET 78464A110 316,421 1,589 SH SOLE 1,589 0 0
SPDR SERIES TRUST SP KENSHO CLEAN 78468R655 395,683 4,724 SH SOLE 4,635 0 89
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 2,025,356 25,827 SH SOLE 25,827 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 1,123,517 10,063 SH SOLE 9,954 0 109
ISHARES TR SELECT US REIT 464287564 277,806 4,417 SH SOLE 4,349 0 67
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 3,174,730 13,742 SH SOLE 13,708 0 33
ISHARES TR CORE S&P500 ETF 464287200 6,655,136 8,690 SH SOLE 8,690 0 0
SPDR SERIES TRUST ST TERM HIGH ETF 78468R408 649,539 26,785 SH SOLE 26,785 0 0
SPDR SERIES TRUST ST STR MSCI USAQ 78468R812 629,925 3,313 SH SOLE 3,313 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 957,769 13,564 SH SOLE 13,564 0 0
SPDR SERIES TRUST ST STR RATE ETF 78468R200 286,753 9,298 SH SOLE 9,298 0 0
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 609,632 25,026 SH SOLE 25,026 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 1,681,823 5,521 SH SOLE 5,521 0 0
SPDR INDEX SHS FDS ST STR MSCI EAFE 78463X434 372,306 3,817 SH SOLE 3,817 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 583,518 2,981 SH SOLE 2,981 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,349,206 6,486 SH SOLE 6,486 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 501,570 5,147 SH SOLE 5,147 0 0
ISHARES TR CORE DIV GRWTH 46434V621 1,468,862 19,484 SH SOLE 19,484 0 0
ISHARES TR MSCI USA SMCP MN 46435G433 334,764 7,525 SH SOLE 7,525 0 0
NVIDIA CORPORATION COM 67066G104 2,149,200 9,411 SH SOLE 9,411 0 0
ISHARES TR MSCI ACWI EX US 464288240 308,687 4,082 SH SOLE 4,082 0 0
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 353,806 4,261 SH SOLE 4,261 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 720,065 10,265 SH SOLE 10,265 0 0
SPDR SERIES TRUST ST STR SP600 SML 78468R853 1,035,046 19,581 SH SOLE 19,581 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 231,486 3,283 SH SOLE 3,283 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 400,353 3,369 SH SOLE 3,369 0 0
ISHARES TR MSCI USA MMENTM 46432F396 302,187 952 SH SOLE 952 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,567,229 6,517 SH SOLE 6,517 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 231,965 2,730 SH SOLE 2,730 0 0
SPDR SERIES TRUST ST STR SP1500VT 78464A128 714,361 2,989 SH SOLE 2,989 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHARES 46139W759 669,444 34,818 SH SOLE 34,818 0 0
ISHARES TR INTL DIV GRWTH 46435G524 410,771 4,628 SH SOLE 4,628 0 0
SPDR SERIES TRUST ST STR P400MID 78464A847 509,302 8,079 SH SOLE 8,079 0 0
INVESCO EXCH TRD SLF IDX FD BULL 2034 CO ETF 46139W783 477,717 24,477 SH SOLE 24,477 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 1,086,424 12,057 SH SOLE 12,057 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 542,206 2,509 SH SOLE 2,509 0 0
ADVANCED MICRO DEVICES INC COM 007903107 651,524 1,065 SH SOLE 1,065 0 0
ALPHABET INC CAP STK CL A 02079K305 629,210 1,829 SH SOLE 1,829 0 0
ALPHABET INC CAP STK CL C 02079K107 645,390 1,894 SH SOLE 1,894 0 0
AMAZON COM INC COM 023135106 4,511,640 18,108 SH SOLE 18,108 0 0
APPLE INC COM 037833100 2,131,738 6,401 SH SOLE 6,401 0 0
AT&T INC COM 00206R102 268,672 11,011 SH SOLE 11,011 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 306,737 616 SH SOLE 616 0 0
BROADCOM INC COM 11135F101 575,249 1,638 SH SOLE 1,638 0 0
EATON CORP PLC SHS G29183103 322,415 750 SH SOLE 750 0 0
ELI LILLY & CO COM 532457108 321,668 278 SH SOLE 278 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 234,360 1,440 SH SOLE 1,440 0 0
INTEL CORP COM 458140100 216,053 1,797 SH SOLE 1,797 0 0
JOHNSON & JOHNSON COM 478160104 256,456 969 SH SOLE 969 0 0
JPMORGAN CHASE & CO COM 46625H100 392,870 1,188 SH SOLE 1,188 0 0
META PLATFORMS INC CL A 30303M102 717,994 990 SH SOLE 990 0 0
MICRON TECHNOLOGY INC COM 595112103 435,630 409 SH SOLE 409 0 0
MICROSOFT CORP COM 594918104 1,554,319 3,030 SH SOLE 3,030 0 0
NETFLIX INC. COM 64110L106 263,499 3,787 SH SOLE 3,787 0 0
TESLA INC COM 88160R101 519,087 1,463 SH SOLE 1,463 0 0
VISA INC COM CL A 92826C839 215,239 599 SH SOLE 599 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 297,473 2,351 SH SOLE 2,351 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 939,220 12,131 SH SOLE 12,131 0 0
SPDR SERIES TRUST ST STR BL 12 ETF 78468R523 466,858 4,700 SH SOLE 4,700 0 0
ISHARES TR RUSEL 2500 ETF 46435G268 234,802 2,746 SH SOLE 2,746 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 255,227 2,096 SH SOLE 2,096 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,023,170 7,521 SH SOLE 7,521 0 0
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 1,089,235 23,092 SH SOLE 23,092 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSH 2036 CR 46138J288 378,160 20,012 SH SOLE 20,012 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 372,629 2,975 SH SOLE 2,975 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHS 32 MUN 46139W833 214,150 9,071 SH SOLE 9,071 0 0
ISHARES TR MRGSTR SM CP GR 464288604 246,767 4,034 SH SOLE 4,034 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 700,184 7,801 SH SOLE 7,801 0 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 216,576 3,852 SH SOLE 3,852 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 230,216 2,693 SH SOLE 2,693 0 0
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 233,908 5,178 SH SOLE 5,178 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 305,475 13,041 SH SOLE 13,041 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494 205,133 8,818 SH SOLE 8,818 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486 206,513 9,057 SH SOLE 9,057 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478 213,116 9,573 SH SOLE 9,573 0 0
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445 208,640 9,986 SH SOLE 9,986 0 0
SSGA ACTIVE TR STATE STREET MY 78470P820 407,000 16,254 SH SOLE 16,254 0 0
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 220,796 434 SH SOLE 434 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 14,297 113 SH SOLE 113 0 0
ISHARES TR CORE MSCI INTL 46435G326 473,224 5,289 SH SOLE 5,289 0 0