ZynergyRetirementPlanningLLC Diversified Active

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SCHO	SCHWAB STRATEGIC TR	483,964 (+26.9%)	$11,794 (+26.7%)	7.3%	$32.48	—	SHT TM US TRES	808524862
SCHA	SCHWAB STRATEGIC TR	582,311 (+1.8%)	$16,584 (+3.9%)	10.2%	$35.81	—	US SML CAP ETF	808524607
SCHC	SCHWAB STRATEGIC TR	21,776 (+6.2%)	$991 (+6.2%)	0.6%	$36.98	—	INTL SCEQT ETF	808524888
SCHE	SCHWAB STRATEGIC TR	118,623 (+2.6%)	$3,885 (+0.6%)	2.4%	$26.78	—	EMRG MKTEQ ETF	808524706
NVDA	NVIDIA CORPORATION	1,449 (+5.3%)	$270 (+5.3%)	0.2%	$107.12	+73.8%	COM	67066G104
SCHD	SCHWAB STRATEGIC TR	15,299 (+1.4%)	$420 (+1.9%)	0.3%	$43.60	—	US DIVIDEND EQ	808524797

Exited Positions (2)

LULU LULULEMON ATHLETICA INC 0.3%

Value ($000) $534 Shares 3,000 Est. Cost $200.38 Unrealized -9.6%

JPM JPMORGAN CHASE & CO. 0.3%

Value ($000) $417 Shares 1,321 Est. Cost $195.52 Unrealized +58.3%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
LULU	LULULEMON ATHLETICA INC	3,000	$534	0.3%	$200.38	-9.6%	—	550021109
JPM	JPMORGAN CHASE & CO.	1,321	$417	0.3%	$195.52	+58.3%	—	46625H100

Decreased Positions (6)

SCHP SCHWAB STRATEGIC TR 6.9%

Value ($000) $11,234 (-2.9%) Shares 424,093 (-1.2%) Est. Cost $38.38 Unrealized —

HD HOME DEPOT INC 0.3%

Value ($000) $535 (-17.8%) Shares 1,555 (-3.2%) Est. Cost $327.56 Unrealized +11.3%

GLD SPDR GOLD TR 0.2%

Value ($000) $363 (+6.4%) Shares 917 (-4.6%) Est. Cost $219.09 Unrealized —

SCHG SCHWAB STRATEGIC TR 0.3%

Value ($000) $546 (-2.7%) Shares 16,727 (-4.8%) Est. Cost $46.85 Unrealized —

QQQ INVESCO QQQ TR 0.5%

Value ($000) $886 (-0.2%) Shares 1,443 (-2.5%) Est. Cost $479.11 Unrealized —

ITA ISHARES TR 0.1%

Value ($000) $202 (+0.0%) Shares 940 (-2.5%) Est. Cost $209.26 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SCHP	SCHWAB STRATEGIC TR	424,093 (-1.2%)	$11,234 (-2.9%)	6.9%	$38.38	—	US TIPS ETF	808524870
HD	HOME DEPOT INC	1,555 (-3.2%)	$535 (-17.8%)	0.3%	$327.56	+11.3%	COM	437076102
GLD	SPDR GOLD TR	917 (-4.6%)	$363 (+6.4%)	0.2%	$219.09	—	GOLD SHS	78463V107
SCHG	SCHWAB STRATEGIC TR	16,727 (-4.8%)	$546 (-2.7%)	0.3%	$46.85	—	US LCAP GR ETF	808524300
QQQ	INVESCO QQQ TR	1,443 (-2.5%)	$886 (-0.2%)	0.5%	$479.11	—	UNIT SER 1	46090E103
ITA	ISHARES TR	940 (-2.5%)	$202 (+0.0%)	0.1%	$209.26	—	US AER DEF ETF	464288760

Unchanged Positions (14)

IVV ISHARES TR 24.1%

Value ($000) $39,122 Shares 57,117 Est. Cost $552.81 Unrealized —

SCHF SCHWAB STRATEGIC TR 13.9%

Value ($000) $22,612 Shares 940,599 Est. Cost $27.88 Unrealized —

SCHH SCHWAB STRATEGIC TR 9.7%

Value ($000) $15,701 Shares 751,590 Est. Cost $20.09 Unrealized —

SCHZ SCHWAB STRATEGIC TR 18.0%

Value ($000) $29,249 Shares 1,251,547 Est. Cost $33.06 Unrealized —

AAPL APPLE INC 0.9%

Value ($000) $1,453 Shares 5,346 Est. Cost $190.35 Unrealized +41.0%

SCHV SCHWAB STRATEGIC TR 1.9%

Value ($000) $3,014 Shares 101,806 Est. Cost $43.46 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 0.3%

Value ($000) $504 Shares 6,854 Est. Cost $58.64 Unrealized —

VTV VANGUARD INDEX FDS 0.3%

Value ($000) $505 Shares 2,643 Est. Cost $160.41 Unrealized —

VFH VANGUARD WORLD FD 0.4%

Value ($000) $657 Shares 4,919 Est. Cost $99.88 Unrealized —

NJR NEW JERSEY RES CORP 0.1%

Value ($000) $206 Shares 4,457 Est. Cost $45.70 Unrealized +0.3%

VPU VANGUARD WORLD FD 0.2%

Value ($000) $269 Shares 1,452 Est. Cost $147.92 Unrealized —

VB VANGUARD INDEX FDS 0.2%

Value ($000) $349 Shares 1,354 Est. Cost $218.04 Unrealized —

SCHB SCHWAB STRATEGIC TR 0.2%

Value ($000) $361 Shares 13,781 Est. Cost $36.05 Unrealized —

VYM VANGUARD WHITEHALL FDS 0.2%

Value ($000) $254 Shares 1,772 Est. Cost $118.60 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	57,117	$39,122	24.1%	$552.81	—	CORE S&P500 ETF	464287200
SCHF	SCHWAB STRATEGIC TR	940,599	$22,612	13.9%	$27.88	—	INTL EQTY ETF	808524805
SCHH	SCHWAB STRATEGIC TR	751,590	$15,701	9.7%	$20.09	—	US REIT ETF	808524847
SCHZ	SCHWAB STRATEGIC TR	1,251,547	$29,249	18.0%	$33.06	—	US AGGREGATE B	808524839
AAPL	APPLE INC	5,346	$1,453	0.9%	$190.35	+41.0%	COM	037833100
SCHV	SCHWAB STRATEGIC TR	101,806	$3,014	1.9%	$43.46	—	US LCAP VA ETF	808524409
VEU	VANGUARD INTL EQUITY INDEX F	6,854	$504	0.3%	$58.64	—	ALLWRLD EX US	922042775
VTV	VANGUARD INDEX FDS	2,643	$505	0.3%	$160.41	—	VALUE ETF	922908744
VFH	VANGUARD WORLD FD	4,919	$657	0.4%	$99.88	—	FINANCIALS ETF	92204A405
NJR	NEW JERSEY RES CORP	4,457	$206	0.1%	$45.70	+0.3%	COM	646025106
VPU	VANGUARD WORLD FD	1,452	$269	0.2%	$147.92	—	UTILITIES ETF	92204A876
VB	VANGUARD INDEX FDS	1,354	$349	0.2%	$218.04	—	SMALL CP ETF	922908751
SCHB	SCHWAB STRATEGIC TR	13,781	$361	0.2%	$36.05	—	US BRD MKT ETF	808524102
VYM	VANGUARD WHITEHALL FDS	1,772	$254	0.2%	$118.60	—	HIGH DIV YLD	921946406