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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AB ACTIVE ETFS INC HIGH YIELD ETF 00039J608   6,086,405 167,163 SH   SOLE 0 0 0 167,163
ALPHABET INC CAP STK CL A 02079K305   450,457 2,473 SH   SOLE 0 0 0 2,473
AMAZON COM INC COM 023135106   776,865 4,020 SH   SOLE 0 0 0 4,020
APPLE INC COM 037833100   1,321,219 6,273 SH   SOLE 0 0 0 6,273
ASML HOLDING N V N Y REGISTRY SHS N07059210   264,887 259 SH   SOLE 0 0 0 259
AUTOMATIC DATA PROCESSING IN COM 053015103   606,034 2,539 SH   SOLE 0 0 0 2,539
COSTCO WHSL CORP NEW COM 22160K105   272,181 320 SH   SOLE 0 0 0 320
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   625,046 10,621 SH   SOLE 0 0 0 10,621
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   579,311 14,752 SH   SOLE 0 0 0 14,752
FIRST TR EXCH TRD ALPHDX FD DEV MRK EX US 33737J174   2,766,985 50,254 SH   SOLE 0 0 0 50,254
HOME DEPOT INC COM 437076102   242,345 704 SH   SOLE 0 0 0 704
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   324,724 15,419 SH   SOLE 0 0 0 15,419
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   3,943,644 192,843 SH   SOLE 0 0 0 192,843
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   316,405 12,748 SH   SOLE 0 0 0 12,748
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   314,434 12,945 SH   SOLE 0 0 0 12,945
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   314,674 13,393 SH   SOLE 0 0 0 13,393
ISHARES INC CORE MSCI EMKT 46434G103   897,860 16,773 SH   SOLE 0 0 0 16,773
ISHARES TR CORE MSCI EAFE 46432F842   347,442 4,783 SH   SOLE 0 0 0 4,783
ISHARES TR 0-5YR HI YL CP 46434V407   506,991 12,014 SH   SOLE 0 0 0 12,014
ISHARES TR 0-5YR INVT GR CP 46434V100   434,747 8,827 SH   SOLE 0 0 0 8,827
ISHARES TR ISHS 5-10YR INVT 464288638   17,621,676 343,771 SH   SOLE 0 0 0 343,771
ISHARES TR CRE U S REIT ETF 464288521   9,868,582 184,253 SH   SOLE 0 0 0 184,253
ISHARES TR MODERT ALLOC ETF 464289875   205,545 4,779 SH   SOLE 0 0 0 4,779
ISHARES TR AGGRES ALLOC ETF 464289859   203,028 2,715 SH   SOLE 0 0 0 2,715
ISHARES TR GLOBAL REIT ETF 46434V647   1,048,668 45,104 SH   SOLE 0 0 0 45,104
ISHARES TR 7-10 YR TRSY BD 464287440   22,114,417 236,139 SH   SOLE 0 0 0 236,139
ISHARES TR RUS MID CAP ETF 464287499   548,344 6,763 SH   SOLE 0 0 0 6,763
ISHARES TR RUS MDCP VAL ETF 464287473   235,081 1,947 SH   SOLE 0 0 0 1,947
ISHARES TR CORE S&P500 ETF 464287200   858,057 1,568 SH   SOLE 0 0 0 1,568
ISHARES TR RUS 1000 VAL ETF 464287598   3,790,535 21,726 SH   SOLE 0 0 0 21,726
ISHARES TR RUS 1000 GRW ETF 464287614   5,183,104 14,219 SH   SOLE 0 0 0 14,219
ISHARES TR 3 7 YR TREAS BD 464288661   4,248,950 36,797 SH   SOLE 0 0 0 36,797
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   19,017,119 418,326 SH   SOLE 0 0 0 418,326
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,110,138 21,996 SH   SOLE 0 0 0 21,996
JPMORGAN CHASE & CO. COM 46625H100   228,756 1,131 SH   SOLE 0 0 0 1,131
META PLATFORMS INC CL A 30303M102   379,173 752 SH   SOLE 0 0 0 752
MICROSOFT CORP COM 594918104   1,508,903 3,376 SH   SOLE 0 0 0 3,376
NIKE INC CL B 654106103   279,246 3,705 SH   SOLE 0 0 0 3,705
NOVO-NORDISK A S ADR 670100205   227,465 1,594 SH   SOLE 0 0 0 1,594
NU HLDGS LTD ORD SHS CL A G6683N103   1,914,913 148,558 SH   SOLE 0 0 0 148,558
NVIDIA CORPORATION COM 67066G104   704,549 5,703 SH   SOLE 0 0 0 5,703
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   9,757,660 259,030 SH   SOLE 0 0 0 259,030
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   8,065,804 229,926 SH   SOLE 0 0 0 229,926
SPDR S&P 500 ETF TR TR UNIT 78462F103   511,567 940 SH   SOLE 0 0 0 940
SPDR SER TR PRTFLO S&P500 GW 78464A409   9,998,381 124,777 SH   SOLE 0 0 0 124,777
SPDR SER TR PORTFOLIO S&P400 78464A847   7,169,938 139,765 SH   SOLE 0 0 0 139,765
SPDR SER TR PRTFLO S&P500 VL 78464A508   16,612,901 340,847 SH   SOLE 0 0 0 340,847
SPDR SER TR PORTFOLIO SH TSR 78468R101   4,853,387 168,112 SH   SOLE 0 0 0 168,112
SPDR SER TR PORTFOLIO S&P600 78468R853   3,803,872 91,593 SH   SOLE 0 0 0 91,593
SPDR SER TR PORTFLI INTRMDIT 78464A672   1,940,189 69,243 SH   SOLE 0 0 0 69,243
SPDR SER TR PORTFOLIO S&P500 78464A854   356,800 5,575 SH   SOLE 0 0 0 5,575
THERMO FISHER SCIENTIFIC INC COM 883556102   222,306 402 SH   SOLE 0 0 0 402
TRANE TECHNOLOGIES PLC SHS G8994E103   222,686 677 SH   SOLE 0 0 0 677
UNITEDHEALTH GROUP INC COM 91324P102   211,852 416 SH   SOLE 0 0 0 416
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,258,628 5,483 SH   SOLE 0 0 0 5,483
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   595,455 3,958 SH   SOLE 0 0 0 3,958
VANGUARD INDEX FDS VALUE ETF 922908744   7,486,286 46,670 SH   SOLE 0 0 0 46,670
VANGUARD INDEX FDS MID CAP ETF 922908629   2,514,312 10,385 SH   SOLE 0 0 0 10,385
VANGUARD INDEX FDS SMALL CP ETF 922908751   574,535 2,635 SH   SOLE 0 0 0 2,635
VANGUARD INDEX FDS GROWTH ETF 922908736   4,891,303 13,078 SH   SOLE 0 0 0 13,078
VANGUARD INDEX FDS SML CP GRW ETF 922908595   252,297 1,009 SH   SOLE 0 0 0 1,009
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,910,350 89,359 SH   SOLE 0 0 0 89,359
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,257,961 25,104 SH   SOLE 0 0 0 25,104
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   7,120,066 89,079 SH   SOLE 0 0 0 89,079
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,483,776 25,587 SH   SOLE 0 0 0 25,587
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,957,985 59,854 SH   SOLE 0 0 0 59,854
VANGUARD WORLD FD ESG US STK ETF 921910733   411,408 4,258 SH   SOLE 0 0 0 4,258
ZYMEWORKS INC COM 98985Y108   93,755 11,017 SH   SOLE 0 0 0 11,017