APPLE INC COM 037833100 318229 927 SH SOLE 0 0 0 927 FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 1977799 49806 SH SOLE 0 0 0 49806 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4654124 21739 SH SOLE 0 0 0 21739 ISHARES INC CORE MSCI EMKT 46434G103 5989544 77999 SH SOLE 0 0 0 77999 ISHARES TR CORE MSCI EAFE 46432F842 8749648 90642 SH SOLE 0 0 0 90642 ISHARES TR MSCI USA QLT FCT 46432F339 11810014 52505 SH SOLE 0 0 0 52505 ISHARES TR CORE DIV GRWTH 46434V621 319782 4055 SH SOLE 0 0 0 4055 ISHARES TR CORE UNIVRSL USD 46434V613 1145071 25749 SH SOLE 0 0 0 25749 ISHARES TR MSCI INTL QUALTY 46434V456 341184 6790 SH SOLE 0 0 0 6790 ISHARES TR MSCI USA MIN ETF 46429B697 3021412 29838 SH SOLE 0 0 0 29838 ISHARES TR MSCI EAFE MIN VL 46429B689 473490 5009 SH SOLE 0 0 0 5009 ISHARES TR INTL DIV GRWTH 46435G524 7205700 79327 SH SOLE 0 0 0 79327 ISHARES TR IBONDS DEC2026 46435GAA0 741205 30628 SH SOLE 0 0 0 30628 ISHARES TR IBONDS 27 ETF 46435UAA9 803851 33355 SH SOLE 0 0 0 33355 ISHARES TR BROAD USD HIGH 46435U853 497244 13999 SH SOLE 0 0 0 13999 ISHARES TR IBDS DEC28 ETF 46435U515 852833 34141 SH SOLE 0 0 0 34141 ISHARES TR IBONDS DEC 29 46436E205 662264 29123 SH SOLE 0 0 0 29123 ISHARES TR IBONDS DEC 2030 46436E726 875017 41197 SH SOLE 0 0 0 41197 ISHARES TR CORE US AGGBD ET 464287226 5675019 59499 SH SOLE 0 0 0 59499 ISHARES TR MRGSTR SM CP GR 464288604 383791 6420 SH SOLE 0 0 0 6420 ISHARES TR CORE S&P MCP ETF 464287507 1775020 24534 SH SOLE 0 0 0 24534 ISHARES TR CORE S&P SCP ETF 464287804 238606 1756 SH SOLE 0 0 0 1756 ISHARES TR CORE S&P500 ETF 464287200 1064754 1389 SH SOLE 0 0 0 1389 ISHARES TR RUS 1000 VAL ETF 464287598 490254 1917 SH SOLE 0 0 0 1917 ISHARES TR RUS 1000 GRW ETF 464287614 608163 5006 SH SOLE 0 0 0 5006 ISHARES TR NATIONAL MUN ETF 464288414 1365915 13346 SH SOLE 0 0 0 13346 ISHARES TR IBON 2026 TE ETF 46436E528 422665 18785 SH SOLE 0 0 0 18785 ISHARES TR IBON 2027 TE ETF 46436E478 420202 19311 SH SOLE 0 0 0 19311 ISHARES TR IBONDS 29 TR HI 46436E379 349223 15317 SH SOLE 0 0 0 15317 ISHARES TR IBONDS 28 TR HI 46436E387 393348 17028 SH SOLE 0 0 0 17028 J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 214183 4222 SH SOLE 0 0 0 4222 NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 213114 5353 SH SOLE 0 0 0 5353 PALANTIR TECHNOLOGIES INC CL A 69608A108 265093 1425 SH SOLE 0 0 0 1425 PROCTER & GAMBLE CO COM 742718109 203313 1276 SH SOLE 0 0 0 1276 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 14020131 410425 SH SOLE 0 0 0 410425 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 280449 10414 SH SOLE 0 0 0 10414 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 599447 16791 SH SOLE 0 0 0 16791 SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 524301 17683 SH SOLE 0 0 0 17683 STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 288459 378 SH SOLE 0 0 0 378 VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 323536 6638 SH SOLE 0 0 0 6638 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 13519341 19269 SH SOLE 0 0 0 19269 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3664433 39935 SH SOLE 0 0 0 39935 VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 399062 1404 SH SOLE 0 0 0 1404 VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 1399284 4283 SH SOLE 0 0 0 4283 VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1114842 23226 SH SOLE 0 0 0 23226 VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 5213685 47723 SH SOLE 0 0 0 47723 VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 1103738 3202 SH SOLE 0 0 0 3202 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 11630544 48106 SH SOLE 0 0 0 48106 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 666157 9586 SH SOLE 0 0 0 9586