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
ABBVIE INC COM 00287Y109   221 1,365 SH   SOLE 0 0 0 1,365
AKEBIA THERAPEUTICS INC COM 00972D105   15 25,142 SH   SOLE 0 0 0 25,142
ALPHABET INC CAP STK CL A 02079K305   369 4,180 SH   SOLE 0 0 0 4,180
AMAZON COM INC COM 023135106   886 10,547 SH   SOLE 0 0 0 10,547
APPLE INC COM 037833100   3,285 25,280 SH   SOLE 0 0 0 25,280
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   5,876 130,509 SH   SOLE 0 0 0 130,509
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   1,729 36,468 SH   SOLE 0 0 0 36,468
HOME DEPOT INC COM 437076102   362 1,146 SH   SOLE 0 0 0 1,146
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   1,089 47,462 SH   SOLE 0 0 0 47,462
ISHARES TR CORE S&P500 ETF 464287200   615 1,599 SH   SOLE 0 0 0 1,599
ISHARES TR CORE US AGGBD ET 464287226   9,234 95,209 SH   SOLE 0 0 0 95,209
ISHARES TR MSCI EAFE ETF 464287465   1,069 16,280 SH   SOLE 0 0 0 16,280
ISHARES TR RUS MDCP VAL ETF 464287473   4,266 40,495 SH   SOLE 0 0 0 40,495
ISHARES TR RUS MD CP GR ETF 464287481   844 10,092 SH   SOLE 0 0 0 10,092
ISHARES TR RUS MID CAP ETF 464287499   318 4,714 SH   SOLE 0 0 0 4,714
ISHARES TR COHEN STEER REIT 464287564   816 14,871 SH   SOLE 0 0 0 14,871
ISHARES TR RUS 1000 GRW ETF 464287614   2,244 10,474 SH   SOLE 0 0 0 10,474
ISHARES TR RUS 1000 ETF 464287622   1,263 5,999 SH   SOLE 0 0 0 5,999
ISHARES TR RUSSELL 2000 ETF 464287655   505 2,897 SH   SOLE 0 0 0 2,897
ISHARES TR RUSSELL 3000 ETF 464287689   243 1,100 SH   SOLE 0 0 0 1,100
ISHARES TR EAFE SML CP ETF 464288273   1,663 29,444 SH   SOLE 0 0 0 29,444
ISHARES TR MRGSTR MD CP GRW 464288307   2,313 42,937 SH   SOLE 0 0 0 42,937
ISHARES TR NEW YORK MUN ETF 464288323   3,462 66,064 SH   SOLE 0 0 0 66,064
ISHARES TR MRGSTR MD CP VAL 464288406   247 3,986 SH   SOLE 0 0 0 3,986
ISHARES TR NATIONAL MUN ETF 464288414   3,892 36,887 SH   SOLE 0 0 0 36,887
ISHARES TR IBOXX HI YD ETF 464288513   1,121 15,230 SH   SOLE 0 0 0 15,230
ISHARES TR EAFE VALUE ETF 464288877   1,052 22,939 SH   SOLE 0 0 0 22,939
ISHARES TR EAFE GRWTH ETF 464288885   1,514 18,080 SH   SOLE 0 0 0 18,080
ISHARES TR MSCI EAFE MIN VL 46429B689   203 3,192 SH   SOLE 0 0 0 3,192
ISHARES TR CORE MSCI TOTAL 46432F834   3,018 52,137 SH   SOLE 0 0 0 52,137
ISHARES TR CORE MSCI EAFE 46432F842   2,669 43,293 SH   SOLE 0 0 0 43,293
ISHARES TR CORE 1 5 YR USD 46432F859   1,484 31,961 SH   SOLE 0 0 0 31,961
ISHARES INC CORE MSCI EMKT 46434G103   2,558 54,766 SH   SOLE 0 0 0 54,766
ISHARES TR CORE TOTAL USD 46434V613   7,510 167,141 SH   SOLE 0 0 0 167,141
ISHARES TR BLACKROCK ULTRA 46434V878   717 14,321 SH   SOLE 0 0 0 14,321
ISHARES TR RUSEL 2500 ETF 46435G268   846 15,927 SH   SOLE 0 0 0 15,927
ISHARES TR CORE INTL AGGR 46435G672   1,451 30,517 SH   SOLE 0 0 0 30,517
JPMORGAN CHASE & CO COM 46625H100   471 3,512 SH   SOLE 0 0 0 3,512
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   220 4,360 SH   SOLE 0 0 0 4,360
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   940 20,461 SH   SOLE 0 0 0 20,461
JOHNSON & JOHNSON COM 478160104   245 1,387 SH   SOLE 0 0 0 1,387
MASTERCARD INCORPORATED CL A 57636Q104   365 1,050 SH   SOLE 0 0 0 1,050
MICROSOFT CORP COM 594918104   1,059 4,416 SH   SOLE 0 0 0 4,416
PROCTER AND GAMBLE CO COM 742718109   249 1,643 SH   SOLE 0 0 0 1,643
PROSHARES TR S&P 500 DV ARIST 74348A467   1,166 12,961 SH   SOLE 0 0 0 12,961
S&P GLOBAL INC COM 78409V104   250 745 SH   SOLE 0 0 0 745
SPDR S&P 500 ETF TR TR UNIT 78462F103   552 1,443 SH   SOLE 0 0 0 1,443
SPDR SER TR NUVEEN BLOOMBERG 78464A284   2,788 56,942 SH   SOLE 0 0 0 56,942
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   979 23,941 SH   SOLE 0 0 0 23,941
HENRY SCHEIN INC COM 806407102   1,423 17,821 SH   SOLE 0 0 0 17,821
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,806 107,252 SH   SOLE 0 0 0 107,252
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   421 9,331 SH   SOLE 0 0 0 9,331
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,754 139,556 SH   SOLE 0 0 0 139,556
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   5,202 78,801 SH   SOLE 0 0 0 78,801
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,228 49,207 SH   SOLE 0 0 0 49,207
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,257 55,708 SH   SOLE 0 0 0 55,708
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,299 97,144 SH   SOLE 0 0 0 97,144
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   17,479 231,391 SH   SOLE 0 0 0 231,391
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,580 111,135 SH   SOLE 0 0 0 111,135
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   6,482 141,985 SH   SOLE 0 0 0 141,985
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   422 13,402 SH   SOLE 0 0 0 13,402
SEMPRA COM 816851109   211 1,364 SH   SOLE 0 0 0 1,364
SHERWIN WILLIAMS CO COM 824348106   237 1,000 SH   SOLE 0 0 0 1,000
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   3,065 47,212 SH   SOLE 0 0 0 47,212
VANGUARD STAR FDS VG TL INTL STK F 921909768   14,025 271,174 SH   SOLE 0 0 0 271,174
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   7,700 74,862 SH   SOLE 0 0 0 74,862
VANGUARD WORLD FD MEGA CAP INDEX 921910873   1,042 7,869 SH   SOLE 0 0 0 7,869
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   591 2,801 SH   SOLE 0 0 0 2,801
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,870 44,562 SH   SOLE 0 0 0 44,562
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   941 24,128 SH   SOLE 0 0 0 24,128
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   473 9,565 SH   SOLE 0 0 0 9,565
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,094 13,262 SH   SOLE 0 0 0 13,262
VANGUARD INDEX FDS MID CAP ETF 922908629   3,458 16,968 SH   SOLE 0 0 0 16,968
VANGUARD INDEX FDS LARGE CAP ETF 922908637   53,380 306,427 SH   SOLE 0 0 0 306,427
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   15,633 117,663 SH   SOLE 0 0 0 117,663
VANGUARD INDEX FDS GROWTH ETF 922908736   231 1,082 SH   SOLE 0 0 0 1,082
VANGUARD INDEX FDS VALUE ETF 922908744   316 2,251 SH   SOLE 0 0 0 2,251
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,793 15,217 SH   SOLE 0 0 0 15,217
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,071 10,832 SH   SOLE 0 0 0 10,832