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
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 65,426,816 2,180,894 SH SOLE 0 0 2,180,894
ISHARES TR CORE S&P500 ETF 464287200 43,105,274 56,276 SH SOLE 0 0 56,276
ISHARES TR IBOXX HI YD ETF 464288513 25,264,607 327,219 SH SOLE 0 0 327,219
ISHARES TR IBOXX INV CP ETF 464287242 22,978,008 224,877 SH SOLE 0 0 224,877
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 22,653,980 1,025,067 SH SOLE 0 0 1,025,067
ISHARES TR CORE US AGGBD ET 464287226 21,072,616 222,896 SH SOLE 0 0 222,896
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 20,368,309 741,475 SH SOLE 0 0 741,475
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 17,172,537 471,126 SH SOLE 0 0 471,126
SPDR SER TR BLOMBERG BRC INV 78468R200 16,703,940 541,632 SH SOLE 0 0 541,632
ISHARES TR CORE MSCI EAFE 46432F842 15,116,775 156,040 SH SOLE 0 0 156,040
ISHARES TR FLTG RATE NT ETF 46429B655 14,260,323 279,342 SH SOLE 0 0 279,342
ISHARES TR JPMORGAN USD EMG 464288281 13,949,157 153,557 SH SOLE 0 0 153,557
ISHARES TR CORE MSCI EMKT 46434G103 12,609,396 155,361 SH SOLE 0 0 155,361
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,757,311 401,136 SH SOLE 0 0 401,136
SPDR SERIES TRUST STATE STREET SPD 78464A854 11,752,277 130,930 SH SOLE 0 0 130,930
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 11,631,386 341,898 SH SOLE 0 0 341,898
ISHARES TR NATIONAL MUN ETF 464288414 9,413,118 93,107 SH SOLE 0 0 93,107
APPLE INC COM 037833100 9,381,375 28,171 SH SOLE 0 0 28,171
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,711,793 266,987 SH SOLE 0 0 266,987
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 8,634,158 354,440 SH SOLE 0 0 354,440
ISHARES TR CORE S&P MCP ETF 464287507 7,927,961 110,172 SH SOLE 0 0 110,172
ISHARES TR CORE S&P SCP ETF 464287804 6,696,023 49,217 SH SOLE 0 0 49,217
ISHARES TR 0-5YR HI YL CP 46434V407 6,212,993 150,618 SH SOLE 0 0 150,618
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,972,047 183,586 SH SOLE 0 0 183,586
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 5,896,362 182,663 SH SOLE 0 0 182,663
COLGATE PALMOLIVE CO COM 194162103 5,451,287 63,892 SH SOLE 0 0 63,892
ISHARES TR CORE S&P TTL STK 464287150 5,078,345 30,536 SH SOLE 0 0 30,536
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,485,366 86,657 SH SOLE 0 0 86,657
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 4,073,796 204,919 SH SOLE 0 0 204,919
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,027,445 80,212 SH SOLE 0 0 80,212
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,667,160 102,064 SH SOLE 0 0 102,064
ISHARES TR RUS 1000 GRW ETF 464287614 3,218,180 25,692 SH SOLE 0 0 25,692
MICROSOFT CORP COM 594918104 3,210,406 6,259 SH SOLE 0 0 6,259
ISHARES TR CORE DIV GRWTH 46434V621 2,851,280 37,816 SH SOLE 0 0 37,816
ALPHABET INC CAP STK CL C 02079K107 2,462,528 7,227 SH SOLE 0 0 7,227
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,994,460 31,638 SH SOLE 0 0 31,638
INVESCO QQQ TR UNIT SER 1 46090E103 1,929,168 2,608 SH SOLE 0 0 2,608
JOHNSON & JOHNSON COM 478160104 1,893,430 7,152 SH SOLE 0 0 7,152
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,856,646 43,410 SH SOLE 0 0 43,410
NVIDIA CORPORATION COM 67066G104 1,792,236 7,848 SH SOLE 0 0 7,848
ALPHABET INC CAP STK CL A 02079K305 1,699,411 4,939 SH SOLE 0 0 4,939
PIMCO ETF TR INV GRD CRP BD 72201R817 1,599,532 17,424 SH SOLE 0 0 17,424
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,543,301 29,196 SH SOLE 0 0 29,196
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,458,624 15,846 SH SOLE 0 0 15,846
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,456,286 32,098 SH SOLE 0 0 32,098
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,453,919 6,989 SH SOLE 0 0 6,989
META PLATFORMS INC CL A 30303M102 1,403,172 1,935 SH SOLE 0 0 1,935
MERCK & CO INC COM 58933Y105 1,340,485 9,225 SH SOLE 0 0 9,225
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,317,197 55,205 SH SOLE 0 0 55,205
AMAZON COM INC COM 023135106 1,286,094 5,162 SH SOLE 0 0 5,162
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,226,538 1,750 SH SOLE 0 0 1,750
JPMORGAN CHASE & CO COM 46625H100 1,065,603 3,221 SH SOLE 0 0 3,221
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 995,470 1,305 SH SOLE 0 0 1,305
CISCO SYS INC COM 17275R102 989,227 9,191 SH SOLE 0 0 9,191
ISHARES TR 1 3 YR TREAS BD 464287457 843,888 10,393 SH SOLE 0 0 10,393
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 806,435 24,210 SH SOLE 0 0 24,210
COCA COLA CONSOLIDATED INC COM 191098102 730,733 8,489 SH SOLE 0 0 8,489
AT&T INC COM 00206R102 696,578 28,548 SH SOLE 0 0 28,548
VANGUARD INDEX FDS TOTAL STK MKT 922908769 688,122 1,839 SH SOLE 0 0 1,839
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 660,666 2,832 SH SOLE 0 0 2,832
BANK AMER CORP COM 060505104 581,476 10,683 SH SOLE 0 0 10,683
VISA INC COM CL A 92826C839 569,897 1,586 SH SOLE 0 0 1,586
CHEVRON CORP NEW COM 166764100 510,326 2,499 SH SOLE 0 0 2,499
HOME DEPOT INC COM 437076102 481,926 1,694 SH SOLE 0 0 1,694
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 475,015 5,721 SH SOLE 0 0 5,721
INTERNATIONAL BUSINESS MACHS COM 459200101 468,188 2,129 SH SOLE 0 0 2,129
BROADCOM INC COM 11135F101 436,178 1,242 SH SOLE 0 0 1,242
LINDE PLC SHS G54950103 435,729 918 SH SOLE 0 0 918
TRANE TECHNOLOGIES PLC SHS G8994E103 390,511 864 SH SOLE 0 0 864
ISHARES TR RUS 1000 VAL ETF 464287598 370,407 1,494 SH SOLE 0 0 1,494
DELL TECHNOLOGIES INC CL C 24703L202 360,427 670 SH SOLE 0 0 670
COSTCO WHSL CORP NEW COM 22160K105 340,565 374 SH SOLE 0 0 374
SANDISK CORP COM 80004C200 339,279 195 SH SOLE 0 0 195
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 338,606 680 SH SOLE 0 0 680
NEXTERA ENERGY INC COM 65339F101 323,524 4,272 SH SOLE 0 0 4,272
ISHARES TR RUS MD CP GR ETF 464287481 296,838 2,156 SH SOLE 0 0 2,156
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 296,524 650 SH SOLE 0 0 650
UNITEDHEALTH GROUP INC COM 91324P102 277,145 755 SH SOLE 0 0 755
VERIZON COMMUNICATIONS INC COM 92343V104 274,799 5,991 SH SOLE 0 0 5,991
PFIZER INC COM 717081103 269,485 9,449 SH SOLE 0 0 9,449
WESTERN DIGITAL CORP COM 958102105 266,314 586 SH SOLE 0 0 586
CITIGROUP INC COM NEW 172967424 257,147 1,986 SH SOLE 0 0 1,986
NETFLIX INC COM 64110L106 254,663 3,660 SH SOLE 0 0 3,660
GE AEROSPACE COM NEW 369604951 242,337 776 SH SOLE 0 0 776
3M CO COM 88579Y101 236,212 1,439 SH SOLE 0 0 1,439
SPDR SER TR PORTFOLIO SHORT 78464A474 235,037 8,198 SH SOLE 0 0 8,198
DISNEY WALT CO COM 254687106 234,556 2,236 SH SOLE 0 0 2,236
PHILIP MORRIS INTL INC COM 718172109 230,572 3,424 SH SOLE 0 0 3,424
ELI LILLY & CO COM 532457108 230,259 199 SH SOLE 0 0 199
ORACLE CORP COM 68389X105 229,703 1,673 SH SOLE 0 0 1,673
VANGUARD INDEX FDS GROWTH ETF 922908736 229,518 2,547 SH SOLE 0 0 2,547
TESLA INC COM 88160R101 223,530 630 SH SOLE 0 0 630
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 218,990 3,252 SH SOLE 0 0 3,252
PNC FINL SVCS GROUP INC COM 693475105 217,370 978 SH SOLE 0 0 978
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 216,241 2,606 SH SOLE 0 0 2,606
GE VERNOVA INC COM 36828A101 212,910 224 SH SOLE 0 0 224
ADVANCED MICRO DEVICES INC COM 007903107 212,281 347 SH SOLE 0 0 347
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 205,774 2,624 SH SOLE 0 0 2,624