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
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   703,685 3,110 SH   SOLE 0 3,110 0 0
WILLIAMS SONOMA INC COM Stock 969904101   307,783 1,090 SH   SOLE 0 1,090 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   173,066,417 646,953 SH   SOLE 0 646,953 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   10,518,546 153,488 SH   SOLE 0 153,488 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   491,555 11,542 SH   SOLE 0 11,541 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   584,806 3,546 SH   SOLE 0 3,546 0 0
COCA COLA CO COM Stock 191216100   247,089 3,882 SH   SOLE 0 3,882 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   7,776,703 380,279 SH   SOLE 0 380,278 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   76,719,235 915,941 SH   SOLE 0 915,941 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   5,767,149 10,597 SH   SOLE 0 10,597 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822   483,260 7,082 SH   SOLE 0 7,081 0 0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF ETF 46138J833   2,171,215 95,564 SH   SOLE 0 95,564 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   3,259,709 27,745 SH   SOLE 0 27,744 0 0
PEPSICO INC COM Stock 713448108   259,765 1,575 SH   SOLE 0 1,575 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   326,291 2,239 SH   SOLE 0 2,238 0 0
SPDR GOLD SHARES ETF 78463V107   1,436,482 6,681 SH   SOLE 0 6,681 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   7,552,212 20,719 SH   SOLE 0 20,718 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   229,892,162 3,656,627 SH   SOLE 0 3,656,627 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   111,853,704 2,911,341 SH   SOLE 0 2,911,340 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739   5,567,522 63,455 SH   SOLE 0 63,454 0 0
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783   3,264,836 169,867 SH   SOLE 0 169,866 0 0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF ETF 46138J817   2,174,986 94,936 SH   SOLE 0 94,936 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853   56,816,729 1,566,062 SH   SOLE 0 1,566,061 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   39,870,516 373,809 SH   SOLE 0 373,809 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   3,150,666 7,745 SH   SOLE 0 7,745 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   51,883,683 1,953,452 SH   SOLE 0 1,953,451 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   70,475,564 881,716 SH   SOLE 0 881,716 0 0
PG&E CORP COM Stock 69331C108   390,406 22,360 SH   SOLE 0 22,360 0 0
MICROSOFT CORP COM Stock 594918104   1,542,424 3,451 SH   SOLE 0 3,451 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791   7,628,772 397,850 SH   SOLE 0 397,849 0 0
AMERIPRISE FINL INC COM Stock 03076C106   278,955 653 SH   SOLE 0 653 0 0
INVESCO BULLETSHARES 2028 CORPORATE BOND ETF ETF 46138J643   3,192,020 160,001 SH   SOLE 0 160,001 0 0
INVESCO BULLETSHARES 2026 HIGH YIELD CORP BOND ETF ETF 46138J635   2,108,142 91,400 SH   SOLE 0 91,400 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   2,655,498 12,179 SH   SOLE 0 12,178 0 0
VANGUARD LARGE-CAP ETF ETF 922908637   1,347,948 5,400 SH   SOLE 0 5,400 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   672,002 16,346 SH   SOLE 0 16,346 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   1,456,618 21,815 SH   SOLE 0 21,815 0 0
SCHWAB US TIPS ETF ETF 808524870   5,065,593 97,397 SH   SOLE 0 97,396 0 0
VANGUARD S&P 500 ETF ETF 922908363   3,086,330 6,171 SH   SOLE 0 6,171 0 0
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676   772,128 19,032 SH   SOLE 0 19,032 0 0
VANGUARD S&P SMALL-CAP 600 ETF ETF 921932828   1,745,227 17,770 SH   SOLE 0 17,770 0 0
ELI LILLY & CO COM Stock 532457108   607,510 671 SH   SOLE 0 671 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   825,116 6,834 SH   SOLE 0 6,833 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   2,855,028 14,072 SH   SOLE 0 14,071 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718   680,096 6,753 SH   SOLE 0 6,753 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   816,737 7,401 SH   SOLE 0 7,401 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866   1,418,403 19,121 SH   SOLE 0 19,121 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,228,291 12,208 SH   SOLE 0 12,208 0 0
VANECK MORTGAGE REIT INCOME ETF ETF 92189F452   446,558 39,907 SH   SOLE 0 39,906 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   542,204 16,818 SH   SOLE 0 16,817 0 0
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   365,543 6,211 SH   SOLE 0 6,211 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   1,426,119 5,702 SH   SOLE 0 5,701 0 0
CANADIAN PACIFIC KANSAS CITY COM Stock 13646K108   227,057 2,884 SH   SOLE 0 2,884 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   13,958,598 193,735 SH   SOLE 0 193,734 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   744,863 12,702 SH   SOLE 0 12,702 0 0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF ETF 464286475   1,035,526 16,944 SH   SOLE 0 16,943 0 0
ROCKWELL AUTOMATION INC COM Stock 773903109   298,042 1,083 SH   SOLE 0 1,082 0 0
CISCO SYS INC COM Stock 17275R102   391,958 8,250 SH   SOLE 0 8,250 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   6,895,829 89,394 SH   SOLE 0 89,393 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   1,243,994 2,273 SH   SOLE 0 2,273 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687   1,846,790 58,535 SH   SOLE 0 58,535 0 0
JPMORGAN CHASE & CO. COM Stock 46625H100   333,729 1,650 SH   SOLE 0 1,650 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   8,671,211 169,161 SH   SOLE 0 169,161 0 0
CHEVRON CORP NEW COM Stock 166764100   234,630 1,500 SH   SOLE 0 1,500 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   83,142,536 1,682,366 SH   SOLE 0 1,682,366 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   1,374,792 10,810 SH   SOLE 0 10,809 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   273,088 1,579 SH   SOLE 0 1,579 0 0
ORACLE CORP COM Stock 68389X105   572,568 4,055 SH   SOLE 0 4,055 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   32,591,667 744,782 SH   SOLE 0 744,782 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   27,038,943 227,984 SH   SOLE 0 227,984 0 0
CATERPILLAR INC COM Stock 149123101   274,808 825 SH   SOLE 0 825 0 0
AMERICAN EXPRESS CO COM Stock 025816109   430,220 1,858 SH   SOLE 0 1,858 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   1,352,790 21,947 SH   SOLE 0 21,946 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   114,367,219 1,178,193 SH   SOLE 0 1,178,193 0 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   7,807,184 370,711 SH   SOLE 0 370,711 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   5,783,241 18,736 SH   SOLE 0 18,736 0 0
SPDR DOW JONES REIT ETF ETF 78464A607   3,259,647 35,012 SH   SOLE 0 35,012 0 0
EXXON MOBIL CORP COM Stock 30231G102   348,814 3,030 SH   SOLE 0 3,030 0 0
LOWES COS INC COM Stock 548661107   275,575 1,250 SH   SOLE 0 1,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   5,000,448 85,449 SH   SOLE 0 85,448 0 0
ISHARES MSCI EAFE ETF ETF 464287465   2,322,051 29,644 SH   SOLE 0 29,644 0 0
APPLE INC COM Stock 037833100   2,071,718 9,836 SH   SOLE 0 9,836 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   282,031 2,504 SH   SOLE 0 2,504 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   546,851 5,958 SH   SOLE 0 5,958 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   7,029,265 40,289 SH   SOLE 0 40,289 0 0