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
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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
ISHARES TR CORE HIGH DV ETF 46429B663   29,081,302 259,053 SH   SOLE   0 0 259,053
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   29,008,811 1,061,816 SH   SOLE   0 0 1,061,816
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   26,546,308 591,627 SH   SOLE   0 0 591,627
ISHARES TR NATIONAL MUN ETF 464288414   21,502,063 201,803 SH   SOLE   0 0 201,803
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   20,749,384 412,349 SH   SOLE   0 0 412,349
ISHARES TR CORE US AGGBD ET 464287226   17,996,271 185,720 SH   SOLE   0 0 185,720
PACER FDS TR US CASH COWS 100 69374H881   16,312,377 288,817 SH   SOLE   0 0 288,817
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   14,676,122 526,592 SH   SOLE   0 0 526,592
ISHARES TR EAFE GRWTH ETF 464288885   12,250,741 126,539 SH   SOLE   0 0 126,539
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   10,907,472 160,688 SH   SOLE   0 0 160,688
ISHARES TR MSCI INTL QUALTY 46434V456   10,225,416 275,469 SH   SOLE   0 0 275,469
ISHARES INC MSCI EMRG CHN 46434G764   10,119,633 182,503 SH   SOLE   0 0 182,503
AMERICAN CENTY ETF TR US SML CP VALU 025072877   9,652,116 99,991 SH   SOLE   0 0 99,991
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   9,599,295 152,008 SH   SOLE   0 0 152,008
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   7,603,577 29,965 SH   SOLE   0 0 29,965
ISHARES TR CORE TOTAL USD 46434V613   7,209,058 159,919 SH   SOLE   0 0 159,919
SPDR SER TR PRTFLO S&P500 GW 78464A409   6,769,953 77,019 SH   SOLE   0 0 77,019
ISHARES TR CORE S&P500 ETF 464287200   6,601,475 11,225 SH   SOLE   0 0 11,225
APPLE INC COM 037833100   4,220,883 16,855 SH   SOLE   0 0 16,855
ISHARES TR S&P 500 GRWT ETF 464287309   2,884,353 28,441 SH   SOLE   0 0 28,441
ISHARES TR MSCI USA QLT FCT 46432F339   2,697,377 15,165 SH   SOLE   0 0 15,165
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   2,433,328 47,543 SH   SOLE   0 0 47,543
ISHARES TR EAFE VALUE ETF 464288877   2,180,161 41,596 SH   SOLE   0 0 41,596
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,754,082 34,991 SH   SOLE   0 0 34,991
ISHARES TR RUS 1000 GRW ETF 464287614   1,631,870 4,064 SH   SOLE   0 0 4,064
ISHARES TR MBS ETF 464288588   1,554,539 17,004 SH   SOLE   0 0 17,004
ISHARES TR S&P 500 VAL ETF 464287408   1,480,106 7,761 SH   SOLE   0 0 7,761
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,361,840 2 SH   SOLE   0 0 2
AMAZON COM INC COM 023135106   1,202,257 5,480 SH   SOLE   0 0 5,480
ISHARES TR RUS 1000 ETF 464287622   1,015,951 3,154 SH   SOLE   0 0 3,154
ISHARES INC CORE MSCI EMKT 46434G103   972,493 18,653 SH   SOLE   0 0 18,653
ISHARES TR U.S. TECH ETF 464287721   948,251 5,950 SH   SOLE   0 0 5,950
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   923,141 17,818 SH   SOLE   0 0 17,818
ISHARES TR RUS 1000 VAL ETF 464287598   864,153 4,668 SH   SOLE   0 0 4,668
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   782,689 3,997 SH   SOLE   0 0 3,997
ISHARES TR 20 YR TR BD ETF 464287432   701,097 8,047 SH   SOLE   0 0 8,047
ISHARES TR RUS MDCP VAL ETF 464287473   679,247 5,252 SH   SOLE   0 0 5,252
COCA COLA CO COM 191216100   615,222 9,881 SH   SOLE   0 0 9,881
ISHARES TR CORE S&P US VLU 464287663   612,302 6,613 SH   SOLE   0 0 6,613
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   604,512 12,056 SH   SOLE   0 0 12,056
SPDR SER TR PORTFOLIO S&P500 78464A854   597,890 8,673 SH   SOLE   0 0 8,673
ISHARES TR CORE MSCI INTL 46435G326   482,052 7,477 SH   SOLE   0 0 7,477
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   466,842 5,106 SH   SOLE   0 0 5,106
SPDR S&P 500 ETF TR TR UNIT 78462F103   418,816 715 SH   SOLE   0 0 715
ISHARES TR MSCI ACWI EX US 464288240   392,477 7,524 SH   SOLE   0 0 7,524
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   374,177 16,142 SH   SOLE   0 0 16,142
VANGUARD STAR FDS VG TL INTL STK F 921909768   314,286 5,333 SH   SOLE   0 0 5,333
ISHARES TR US INFRASTRUC 46435U713   309,406 6,684 SH   SOLE   0 0 6,684
MERCK &CO INC COM 58933Y105   302,814 3,044 SH   SOLE   0 0 3,044
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   282,241 12,434 SH   SOLE   0 0 12,434
ISHARES TR 0-5 YR TIPS ETF 46429B747   268,300 2,667 SH   SOLE   0 0 2,667
COSTCO WHSL CORP NEW COM 22160K105   261,777 286 SH   SOLE   0 0 286
ISHARES TR 7-10 YR TRSY BD 464287440   260,524 2,818 SH   SOLE   0 0 2,818
MASTERCARD INCORPORATED CL A 57636Q104   257,156 488 SH   SOLE   0 0 488
AMERIPRISE FINL INC COM 03076C106   245,265 461 SH   SOLE   0 0 461
WISDOMTREE TR INTL EQUITY FD 97717W703   237,261 4,503 SH   SOLE   0 0 4,503
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   235,435 12,726 SH   SOLE   0 0 12,726
WORLD GOLD TR SPDR GLD MINIS 98149E303   233,175 4,485 SH   SOLE   0 0 4,485
VANGUARD INDEX FDS MID CAP ETF 922908629   231,483 876 SH   SOLE   0 0 876
SYNOPSYS INC COM 871607107   231,031 476 SH   SOLE   0 0 476
MCDONALDS CORP COM 580135101   223,279 770 SH   SOLE   0 0 770
VANGUARD INDEX FDS SMALL CP ETF 922908751   218,108 908 SH   SOLE   0 0 908
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   215,045 3,755 SH   SOLE   0 0 3,755
INVESCO QQQ TR UNIT SER 1 46090E103   208,942 409 SH   SOLE   0 0 409