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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
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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
ABBVIE INC COM 00287Y109   210,351 1,226 SH   SOLE   0 0 1,226
ALPHABET INC CAP STK CL C 02079K107   352,350 1,921 SH   SOLE   0 0 1,921
AMAZON COM INC COM 023135106   365,269 1,890 SH   SOLE   0 0 1,890
APPLE INC COM 037833100   2,692,837 12,785 SH   SOLE   0 0 12,785
BROADCOM INC COM 11135F101   289,055 180 SH   SOLE   0 0 180
EXXON MOBIL CORP COM 30231G102   200,414 1,741 SH   SOLE   0 0 1,741
GALLAGHER ARTHUR J & CO COM 363576109   298,984 1,153 SH   SOLE   0 0 1,153
HOME DEPOT INC COM 437076102   201,633 586 SH   SOLE   0 0 586
INVESCO QQQ TR UNIT SER 1 46090E103   427,366 892 SH   SOLE   0 0 892
ISHARES TR NATIONAL MUN ETF 464288414   5,368,663 50,386 SH   SOLE   0 0 50,386
ISHARES TR CRE U S REIT ETF 464288521   289,107 5,398 SH   SOLE   0 0 5,398
JPMORGAN CHASE & CO. COM 46625H100   216,216 1,069 SH   SOLE   0 0 1,069
MICROSOFT CORP COM 594918104   1,006,117 2,251 SH   SOLE   0 0 2,251
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,608,670 73,305 SH   SOLE   0 0 73,305
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   208,620 3,247 SH   SOLE   0 0 3,247
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,514,554 39,421 SH   SOLE   0 0 39,421
SCHWAB STRATEGIC TR US REIT ETF 808524847   726,662 36,388 SH   SOLE   0 0 36,388
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   205,553 4,332 SH   SOLE   0 0 4,332
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,539,615 157,914 SH   SOLE   0 0 157,914
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,779,781 100,339 SH   SOLE   0 0 100,339
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,434,885 49,957 SH   SOLE   0 0 49,957
SPDR SER TR PORTFOLIO AGRGTE 78464A649   471,657 18,799 SH   SOLE   0 0 18,799
SPDR SER TR S&P 600 SMCP GRW 78464A201   441,971 5,148 SH   SOLE   0 0 5,148
SPDR SER TR S&P 600 SMCP VAL 78464A300   11,792,647 150,589 SH   SOLE   0 0 150,589
SPDR SER TR PORTFOLI S&P1500 78464A805   1,659,432 25,010 SH   SOLE   0 0 25,010
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,530,852 31,584 SH   SOLE   0 0 31,584
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   10,150,862 140,886 SH   SOLE   0 0 140,886
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,705,697 25,782 SH   SOLE   0 0 25,782
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,000,707 7,999 SH   SOLE   0 0 7,999
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   9,613,253 114,771 SH   SOLE   0 0 114,771
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   349,091 698 SH   SOLE   0 0 698
VANGUARD INDEX FDS VALUE ETF 922908744   222,649 1,388 SH   SOLE   0 0 1,388
VANGUARD INDEX FDS TOTAL STK MKT 922908769   32,813,733 122,664 SH   SOLE   0 0 122,664
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,276,056 143,420 SH   SOLE   0 0 143,420
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   20,392,767 347,762 SH   SOLE   0 0 347,762
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   542,731 11,181 SH   SOLE   0 0 11,181
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,287,622 45,652 SH   SOLE   0 0 45,652
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   256,483 1,405 SH   SOLE   0 0 1,405
VANGUARD STAR FDS VG TL INTL STK F 921909768   6,451,096 106,983 SH   SOLE   0 0 106,983
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   918,347 18,582 SH   SOLE   0 0 18,582
WISDOMTREE TR US SMALLCAP DIVD 97717W604   202,621 6,505 SH   SOLE   0 0 6,505