Investments & Financial Planning 13F-HR Quarterly holdings report by institutional manager

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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AMAZON COM INC	COM	023135106	232,884	1,832	SH		SOLE	0	0	0	1,832
APPLE INC	COM	037833100	448,083	2,617	SH		SOLE	0	0	0	2,617
CAPITAL GROUP GROWTH ETF	SHS CREATION UNI	14020G101	2,986,140	121,883	SH		SOLE	0	0	0	121,883
ISHARES INC	MSCI WORLD ETF	464286392	2,978,797	24,788	SH		SOLE	0	0	0	24,788
ISHARES TR	SHRT NAT MUN ETF	464288158	355,174	3,453	SH		SOLE	0	0	0	3,453
ISHARES TR	NATIONAL MUN ETF	464288414	638,889	6,231	SH		SOLE	0	0	0	6,231
ISHARES TR	IBOXX INV CP ETF	464287242	685,465	6,719	SH		SOLE	0	0	0	6,719
ISHARES TR	0-5YR HI YL CP	46434V407	668,425	16,291	SH		SOLE	0	0	0	16,291
ISHARES TR	CORE S&P MCP ETF	464287507	19,211,497	77,046	SH		SOLE	0	0	0	77,046
ISHARES TR	RUS MD CP GR ETF	464287481	1,767,875	19,353	SH		SOLE	0	0	0	19,353
ISHARES TR	U.S. REAL ES ETF	464287739	1,437,859	18,401	SH		SOLE	0	0	0	18,401
NVIDIA CORPORATION	COM	67066G104	1,019,634	2,344	SH		SOLE	0	0	0	2,344
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	221,762	3,440	SH		SOLE	0	0	0	3,440
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	422,589	13,628	SH		SOLE	0	0	0	13,628
SPDR SER TR	PRTFLO S&P500 GW	78464A409	22,963,461	387,373	SH		SOLE	0	0	0	387,373
SPDR SER TR	PORTFOLIO S&P500	78464A854	937,045	18,644	SH		SOLE	0	0	0	18,644
SPDR SER TR	PORTFOLIO AGRGTE	78464A649	336,080	13,808	SH		SOLE	0	0	0	13,808
SPDR SER TR	PRTFLO S&P500 VL	78464A508	497,173	12,050	SH		SOLE	0	0	0	12,050
SPDR SER TR	BLOOMBERG HIGH Y	78468R622	261,762	2,896	SH		SOLE	0	0	0	2,896
TESLA INC	COM	88160R101	1,152,513	4,606	SH		SOLE	0	0	0	4,606
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	1,910,062	26,415	SH		SOLE	0	0	0	26,415
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	3,627,058	75,832	SH		SOLE	0	0	0	75,832
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	4,160,575	26,087	SH		SOLE	0	0	0	26,087
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	3,903,191	29,804	SH		SOLE	0	0	0	29,804
VANGUARD INDEX FDS	MID CAP ETF	922908629	3,761,784	18,065	SH		SOLE	0	0	0	18,065
VANGUARD INDEX FDS	SMALL CP ETF	922908751	20,983,096	110,981	SH		SOLE	0	0	0	110,981
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	384,781	1,797	SH		SOLE	0	0	0	1,797
VANGUARD INDEX FDS	GROWTH ETF	922908736	1,266,692	4,652	SH		SOLE	0	0	0	4,652
VANGUARD INDEX FDS	VALUE ETF	922908744	1,370,909	9,939	SH		SOLE	0	0	0	9,939
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	7,031,214	75,458	SH		SOLE	0	0	0	75,458
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	3,744,362	49,825	SH		SOLE	0	0	0	49,825
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	289,628	1,864	SH		SOLE	0	0	0	1,864
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	510,476	8,629	SH		SOLE	0	0	0	8,629