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
VANGUARD REIT INDEX ETF ETF 922908553   3,108,882 37,693 SH   SOLE 0 1,395 0 36,296
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158   1,555,732 14,920 SH   SOLE 0 1,149 0 13,770
SPDR S&P 500 ETF TRUST ETF 78462F103   221,115 578 SH   SOLE 0 0 0 578
ABRDN BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF ETF 003261104   565,618 25,640 SH   SOLE 0 0 0 25,639
ISHARES RUSSELL 2000 VALUE ETF 464287630   446,017 3,216 SH   SOLE 0 488 0 2,727
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   242,427 5,984 SH   SOLE 0 0 0 5,984
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,265,261 5,906 SH   SOLE 0 0 0 5,905
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   220,455 4,920 SH   SOLE 0 0 0 4,919
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   494,926 15,366 SH   SOLE 0 0 0 15,365
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   2,459,707 54,479 SH   SOLE 0 0 0 54,478
ISHARES US REAL ESTATE ETF ETF 464287739   1,596,552 18,964 SH   SOLE 0 549 0 18,414
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   2,389,697 43,011 SH   SOLE 0 0 0 43,011
ISHARES S&P SMALLCAP 600 ETF ETF 464287804   1,006,177 10,632 SH   SOLE 0 0 0 10,631
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   326,943 13,813 SH   SOLE 0 0 0 13,812
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   2,017,755 30,563 SH   SOLE 0 0 0 30,562
VANGUARD S&P 500 ETF ETF 922908363   594,761 1,693 SH   SOLE 0 0 0 1,692
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   557,962 1,260 SH   SOLE 0 0 0 1,260
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   1,163,648 17,809 SH   SOLE 0 0 0 17,809
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839   600,725 9,282 SH   SOLE 0 0 0 9,281
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473   1,226,604 11,644 SH   SOLE 0 1,204 0 10,440
ISHARES RUSSELL 2000 ETF ETF 464287655   768,852 4,410 SH   SOLE 0 0 0 4,409
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284   249,197 5,089 SH   SOLE 0 0 0 5,088
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834   930,890 16,083 SH   SOLE 0 5,837 0 10,245
ISHARES CORE MSCI EAFE ETF 46432F842   17,207,681 279,164 SH   SOLE 0 7,928 0 271,235
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103   7,785,889 166,721 SH   SOLE 0 1,266 0 165,454
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   1,188,466 25,057 SH   SOLE 0 549 0 24,508
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499   533,170 7,905 SH   SOLE 0 0 0 7,904
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   2,170,621 20,085 SH   SOLE 0 630 0 19,454
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881   470,546 10,780 SH   SOLE 0 0 0 10,779
ISHARES S&P 500 VALUE ETF ETF 464287408   8,591,544 59,223 SH   SOLE 0 3,890 0 55,333
ISHARES S&P 500 GROWTH ETF ETF 464287309   6,740,491 115,222 SH   SOLE 0 1,204 0 114,017
ISHARES S&P 500 INDEX ETF 464287200   11,665,172 30,361 SH   SOLE 0 830 0 29,531
VANGUARD MID-CAP VALUE ETF ETF 922908512   358,816 2,653 SH   SOLE 0 0 0 2,653
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   734,365 22,280 SH   SOLE 0 616 0 21,663
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   5,124,939 122,110 SH   SOLE 0 3,585 0 118,523
ISHARES AGGREGATE BOND ETF ETF 464287226   206,592 2,130 SH   SOLE 0 0 0 2,130
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879   3,323,251 36,395 SH   SOLE 0 700 0 35,694
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   7,504,010 109,868 SH   SOLE 0 3,061 0 106,807
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705   4,645,577 46,087 SH   SOLE 0 540 0 45,546
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281   1,368,315 16,176 SH   SOLE 0 644 0 15,530
ISHARES CORE S&P MID CAP ETF ETF 464287507   2,083,273 8,612 SH   SOLE 0 826 0 7,786
ISHARES RUSSELL 1000 ETF ETF 464287622   1,552,197 7,373 SH   SOLE 0 0 0 7,373
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,007,973 26,429 SH   SOLE 0 0 0 26,429