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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
APPLE INC COM 037833100 BBG001S5N8V8 210,831 1,001 SH   SOLE   0 0 1,001
AT&T INC COM 00206R102 BBG001S5VWH2 1,707,631 89,358 SH   SOLE   0 0 89,358
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 129,149,071 2,874,451 SH   SOLE   0 0 2,874,451
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 BBG00JGMYXN7 16,382,832 423,329 SH   SOLE   0 0 423,329
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 243,533 508 SH   SOLE   0 0 508
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 84,202,840 1,438,873 SH   SOLE   0 0 1,438,873
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 49,554,215 464,600 SH   SOLE   0 0 464,600
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 270,981,340 495,187 SH   SOLE   0 0 495,187
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 3,919,978 40,383 SH   SOLE   0 0 40,383
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 234,169,761 787,019 SH   SOLE   0 0 787,019
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 459,283 1,260 SH   SOLE   0 0 1,260
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 262,403 1,504 SH   SOLE   0 0 1,504
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 12,035,800 59,322 SH   SOLE   0 0 59,322
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 123,395,325 2,663,400 SH   SOLE   0 0 2,663,400
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 67,856,252 1,344,487 SH   SOLE   0 0 1,344,487
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 BBG00HXSKY16 190,826,487 3,646,598 SH   SOLE   0 0 3,646,598
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 576,268 12,643 SH   SOLE   0 0 12,643
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 784,492 12,478 SH   SOLE   0 0 12,478
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 51,250,298 797,670 SH   SOLE   0 0 797,670
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 104,679,835 1,344,981 SH   SOLE   0 0 1,344,981
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 26,470,260 557,856 SH   SOLE   0 0 557,856
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 5,422,887 9,965 SH   SOLE   0 0 9,965
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 7,221,432 26,995 SH   SOLE   0 0 26,995