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
Estimated average burden
hours per response: 23.8
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
ABBOTT LABS COM 002824100   418,675 3,840 SH   SOLE   0 0 3,840
ABBVIE INC COM 00287Y109   406,679 3,018 SH   SOLE   0 0 3,018
ALPHABET INC CAP STK CL A 02079K305   746,928 6,240 SH   SOLE   0 0 6,240
ALPHABET INC CAP STK CL C 02079K107   391,943 3,240 SH   SOLE   0 0 3,240
AMAZON COM INC COM 023135106   470,209 3,607 SH   SOLE   0 0 3,607
APPLE INC COM 037833100   7,835,684 40,396 SH   SOLE   0 0 40,396
BANK AMERICA CORP COM 060505104   287,719 10,029 SH   SOLE   0 0 10,029
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   465,806 1,366 SH   SOLE   0 0 1,366
BRISTOL-MYERS SQUIBB CO COM 110122108   352,536 5,513 SH   SOLE   0 0 5,513
CHEVRON CORP NEW COM 166764100   554,364 3,523 SH   SOLE   0 0 3,523
COSTCO WHSL CORP NEW COM 22160K105   335,493 623 SH   SOLE   0 0 623
DBX ETF TR XTRACK USD HIGH 233051432   1,367,293 39,632 SH   SOLE   0 0 39,632
DEVON ENERGY CORP NEW COM 25179M103   312,414 6,463 SH   SOLE   0 0 6,463
GENUINE PARTS CO COM 372460105   285,660 1,688 SH   SOLE   0 0 1,688
INTUITIVE SURGICAL INC COM NEW 46120E602   253,378 741 SH   SOLE   0 0 741
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   14,872,148 99,386 SH   SOLE   0 0 99,386
ISHARES INC MSCI GBL MIN VOL 464286525   292,804 2,986 SH   SOLE   0 0 2,986
ISHARES INC CORE MSCI EMKT 46434G103   1,051,573 21,334 SH   SOLE   0 0 21,334
ISHARES TR CORE MSCI EAFE 46432F842   42,561,813 630,545 SH   SOLE   0 0 630,545
ISHARES TR MSCI USA MIN VOL 46429B697   216,016 2,906 SH   SOLE   0 0 2,906
ISHARES TR BROAD USD HIGH 46435U853   9,390,996 266,034 SH   SOLE   0 0 266,034
ISHARES TR SHRT NAT MUN ETF 464288158   504,827 4,852 SH   SOLE   0 0 4,852
ISHARES TR ISHS 1-5YR INVS 464288646   13,898,610 277,030 SH   SOLE   0 0 277,030
ISHARES TR NATIONAL MUN ETF 464288414   3,759,575 35,225 SH   SOLE   0 0 35,225
ISHARES TR RUS 2000 GRW ETF 464287648   829,470 3,418 SH   SOLE   0 0 3,418
ISHARES TR CORE S&P500 ETF 464287200   3,850,703 8,639 SH   SOLE   0 0 8,639
ISHARES TR S&P 500 GRWT ETF 464287309   1,128,474 16,011 SH   SOLE   0 0 16,011
ISHARES TR MSCI EAFE ETF 464287465   296,974 4,096 SH   SOLE   0 0 4,096
JOHNSON & JOHNSON COM 478160104   566,281 3,421 SH   SOLE   0 0 3,421
JPMORGAN CHASE & CO COM 46625H100   214,593 1,475 SH   SOLE   0 0 1,475
LINCOLN ELEC HLDGS INC COM 533900106   367,466 1,850 SH   SOLE   0 0 1,850
MCDONALDS CORP COM 580135101   482,668 1,617 SH   SOLE   0 0 1,617
MERCK & CO INC COM 58933Y105   207,625 1,799 SH   SOLE   0 0 1,799
MICROSOFT CORP COM 594918104   1,351,941 3,970 SH   SOLE   0 0 3,970
MOODYS CORP COM 615369105   664,841 1,912 SH   SOLE   0 0 1,912
NVIDIA CORPORATION COM 67066G104   531,386 1,256 SH   SOLE   0 0 1,256
PACER FDS TR PACER US SMALL 69374H857   10,299,527 253,060 SH   SOLE   0 0 253,060
SALESFORCE INC COM 79466L302   408,366 1,933 SH   SOLE   0 0 1,933
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   35,852,825 684,606 SH   SOLE   0 0 684,606
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   12,198,954 278,515 SH   SOLE   0 0 278,515
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,752,417 70,836 SH   SOLE   0 0 70,836
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   464,158 18,845 SH   SOLE   0 0 18,845
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   763,972 15,896 SH   SOLE   0 0 15,896
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   20,352,840 570,907 SH   SOLE   0 0 570,907
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   583,826 17,319 SH   SOLE   0 0 17,319
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,319,174 125,630 SH   SOLE   0 0 125,630
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   405,187 4,413 SH   SOLE   0 0 4,413
SPDR SER TR SSGA US LRG ETF 78468R804   1,081,061 7,688 SH   SOLE   0 0 7,688
SPDR SER TR PRTFLO S&P500 GW 78464A409   25,107,391 411,529 SH   SOLE   0 0 411,529
SPDR SER TR NUVEEN BLMBRG SH 78468R739   958,144 20,364 SH   SOLE   0 0 20,364
SPDR SER TR PRTFLO S&P500 VL 78464A508   22,566,539 522,374 SH   SOLE   0 0 522,374
SPDR SER TR NUVEEN BLOOMBERG 78464A284   5,700,239 227,918 SH   SOLE   0 0 227,918
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   3,904,599 76,054 SH   SOLE   0 0 76,054
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   6,171,727 75,164 SH   SOLE   0 0 75,164
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,046,786 193,242 SH   SOLE   0 0 193,242
VANGUARD INDEX FDS LARGE CAP ETF 922908637   255,532 1,261 SH   SOLE   0 0 1,261
VANGUARD INDEX FDS GROWTH ETF 922908736   6,418,986 22,685 SH   SOLE   0 0 22,685
VANGUARD INDEX FDS SML CP GRW ETF 922908595   4,038,871 17,580 SH   SOLE   0 0 17,580
VANGUARD INDEX FDS VALUE ETF 922908744   7,780,090 54,751 SH   SOLE   0 0 54,751
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,678,404 16,193 SH   SOLE   0 0 16,193
VANGUARD INDEX FDS TOTAL STK MKT 922908769   366,820 1,665 SH   SOLE   0 0 1,665
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   372,100 914 SH   SOLE   0 0 914
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   22,580,920 555,087 SH   SOLE   0 0 555,087
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   401,277 8,462 SH   SOLE   0 0 8,462
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   10,412,380 207,335 SH   SOLE   0 0 207,335
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623   4,572,994 25,915 SH   SOLE   0 0 25,915
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   21,263,597 460,450 SH   SOLE   0 0 460,450
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,074,397 2,430 SH   SOLE   0 0 2,430
VICTORY PORTFOLIOS II VCSHS INTL VOLTY 92647N840   662,733 16,465 SH   SOLE   0 0 16,465
VISA INC COM CL A 92826C839   340,620 1,434 SH   SOLE   0 0 1,434