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
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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 WORLD FD MEGA GRWTH IND 921910816   26,545,681 116,993 SH   SOLE   0 0 116,993
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   19,333,532 372,731 SH   SOLE   0 0 372,731
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   18,648,263 130,107 SH   SOLE   0 0 130,107
ISHARES TR CORE US AGGBD ET 464287226   11,645,663 123,837 SH   SOLE   0 0 123,837
VANGUARD INDEX FDS GROWTH ETF 922908736   11,167,601 41,011 SH   SOLE   0 0 41,011
VANGUARD BD INDEX FDS INTERMED TERM 921937819   9,833,738 135,994 SH   SOLE   0 0 135,994
ISHARES TR CORE DIV GRWTH 46434V621   8,964,970 181,001 SH   SOLE   0 0 181,001
VANGUARD INDEX FDS SML CP GRW ETF 922908595   8,521,534 39,787 SH   SOLE   0 0 39,787
ISHARES TR BROAD USD HIGH 46435U853   8,246,694 237,588 SH   SOLE   0 0 237,588
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   7,822,342 163,545 SH   SOLE   0 0 163,545
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   7,695,247 101,708 SH   SOLE   0 0 101,708
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,812,066 32,070 SH   SOLE   0 0 32,070
SCHWAB STRATEGIC TR US TIPS ETF 808524870   6,330,001 125,371 SH   SOLE   0 0 125,371
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   5,922,979 141,259 SH   SOLE   0 0 141,259
ISHARES TR CORE MSCI TOTAL 46432F834   5,533,021 92,232 SH   SOLE   0 0 92,232
ISHARES TR RUS 1000 VAL ETF 464287598   3,941,047 25,959 SH   SOLE   0 0 25,959
ISHARES TR CORE S&P MCP ETF 464287507   3,683,340 14,772 SH   SOLE   0 0 14,772
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,590,447 82,124 SH   SOLE   0 0 82,124
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,291,860 75,191 SH   SOLE   0 0 75,191
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,684,965 13,720 SH   SOLE   0 0 13,720
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,590,855 34,467 SH   SOLE   0 0 34,467
ISHARES TR CORE HIGH DV ETF 46429B663   2,465,215 24,929 SH   SOLE   0 0 24,929
ISHARES TR CORE TOTAL USD 46434V613   2,240,255 51,247 SH   SOLE   0 0 51,247
ISHARES TR CORE INTL AGGR 46435G672   2,191,489 44,926 SH   SOLE   0 0 44,926
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,179,745 31,237 SH   SOLE   0 0 31,237
INVESCO QQQ TR UNIT SER 1 46090E103   2,040,100 5,694 SH   SOLE   0 0 5,694
ISHARES TR NATIONAL MUN ETF 464288414   1,896,682 18,497 SH   SOLE   0 0 18,497
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,815,713 11,686 SH   SOLE   0 0 11,686
APPLE INC COM 037833100   1,676,784 9,794 SH   SOLE   0 0 9,794
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,635,069 22,484 SH   SOLE   0 0 22,484
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,558,702 33,716 SH   SOLE   0 0 33,716
ISHARES TR CORE MSCI INTL 46435G326   1,447,251 24,833 SH   SOLE   0 0 24,833
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,424,909 67,885 SH   SOLE   0 0 67,885
ISHARES TR PFD AND INCM SEC 464288687   1,300,863 43,146 SH   SOLE   0 0 43,146
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,123,053 63,271 SH   SOLE   0 0 63,271
ISHARES TR MBS ETF 464288588   1,093,485 12,314 SH   SOLE   0 0 12,314
ISHARES TR CORE 1 5 YR USD 46432F859   1,087,552 23,449 SH   SOLE   0 0 23,449
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,026,360 5,270 SH   SOLE   0 0 5,270
ISHARES TR SHRT NAT MUN ETF 464288158   1,021,879 9,935 SH   SOLE   0 0 9,935
ISHARES TR TIPS BD ETF 464287176   902,455 8,701 SH   SOLE   0 0 8,701
ELI LILLY & CO COM 532457108   894,501 1,665 SH   SOLE   0 0 1,665
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   891,693 18,538 SH   SOLE   0 0 18,538
CHUBB LIMITED COM H1467J104   825,226 3,964 SH   SOLE   0 0 3,964
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   784,376 5,989 SH   SOLE   0 0 5,989
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   780,987 19,918 SH   SOLE   0 0 19,918
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   744,714 15,177 SH   SOLE   0 0 15,177
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   736,462 9,800 SH   SOLE   0 0 9,800
SPDR SER TR PRTFLO S&P500 GW 78464A409   702,095 11,844 SH   SOLE   0 0 11,844
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   654,046 7,019 SH   SOLE   0 0 7,019
VANGUARD INDEX FDS VALUE ETF 922908744   653,975 4,741 SH   SOLE   0 0 4,741
VANGUARD INDEX FDS SMALL CP ETF 922908751   641,787 3,394 SH   SOLE   0 0 3,394
VANGUARD STAR FDS VG TL INTL STK F 921909768   628,941 11,752 SH   SOLE   0 0 11,752
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   626,983 8,252 SH   SOLE   0 0 8,252
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   590,385 28,562 SH   SOLE   0 0 28,562
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   586,700 12,409 SH   SOLE   0 0 12,409
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   580,493 10,157 SH   SOLE   0 0 10,157
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   577,615 28,723 SH   SOLE   0 0 28,723
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   563,874 26,560 SH   SOLE   0 0 26,560
ISHARES TR CORE S&P US GWT 464287671   561,773 5,924 SH   SOLE   0 0 5,924
SPDR SER TR NUVEEN BLOOMBERG 78464A284   519,972 21,829 SH   SOLE   0 0 21,829
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   495,675 1,415 SH   SOLE   0 0 1,415
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   494,487 6,988 SH   SOLE   0 0 6,988
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   468,868 12,044 SH   SOLE   0 0 12,044
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   463,805 24,690 SH   SOLE   0 0 24,690
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   461,929 19,295 SH   SOLE   0 0 19,295
ISHARES TR RUS 2000 GRW ETF 464287648   456,138 2,035 SH   SOLE   0 0 2,035
CSX CORP COM 126408103   442,800 14,400 SH   SOLE   0 0 14,400
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   436,374 7,376 SH   SOLE   0 0 7,376
ISHARES TR CORE S&P SCP ETF 464287804   426,275 4,519 SH   SOLE   0 0 4,519
ISHARES TR S&P SML 600 GWT 464287887   419,749 3,827 SH   SOLE   0 0 3,827
ISHARES TR SELECT DIVID ETF 464287168   419,460 3,897 SH   SOLE   0 0 3,897
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   417,595 8,711 SH   SOLE   0 0 8,711
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   408,187 10,686 SH   SOLE   0 0 10,686
SPDR S&P 500 ETF TR TR UNIT 78462F103   407,690 954 SH   SOLE   0 0 954
JOHNSON & JOHNSON COM 478160104   388,225 2,493 SH   SOLE   0 0 2,493
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   367,520 8,709 SH   SOLE   0 0 8,709
ISHARES TR S&P MC 400VL ETF 464287705   363,219 3,599 SH   SOLE   0 0 3,599
ISHARES TR INTRM GOV CR ETF 464288612   338,235 3,338 SH   SOLE   0 0 3,338
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   331,403 6,549 SH   SOLE   0 0 6,549
ISHARES TR ISHS 5-10YR INVT 464288638   326,434 6,710 SH   SOLE   0 0 6,710
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   316,095 5,488 SH   SOLE   0 0 5,488
ISHARES TR 0-5 YR TIPS ETF 46429B747   310,373 3,202 SH   SOLE   0 0 3,202
ISHARES TR 0-5YR INVT GR CP 46434V100   304,833 6,351 SH   SOLE   0 0 6,351
ISHARES TR CORE S&P TTL STK 464287150   295,745 3,140 SH   SOLE   0 0 3,140
ASTRAZENECA PLC SPONSORED ADR 046353108   282,596 4,173 SH   SOLE   0 0 4,173
ISHARES TR RUSSELL 2000 ETF 464287655   281,960 1,595 SH   SOLE   0 0 1,595
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532   244,730 8,330 SH   SOLE   0 0 8,330
VANGUARD INDEX FDS MID CAP ETF 922908629   228,591 1,098 SH   SOLE   0 0 1,098
ISHARES TR MSCI EAFE ETF 464287465   205,568 2,983 SH   SOLE   0 0 2,983
INNOVATOR ETFS TR US EQTY ULTRA B 45782C649   201,436 6,882 SH   SOLE   0 0 6,882
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   193,544 10,331 SH   SOLE   0 0 10,331