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
ABBOTT LABS COM 002824100   4,110,454 37,344 SH   SOLE 0 0 0 37,344
ABBVIE INC COM 00287Y109   4,025,966 25,979 SH   SOLE 0 0 0 25,979
ALPHABET INC CAP STK CL C 02079K107   1,102,777 7,825 SH   SOLE 0 0 0 7,825
ALPHABET INC CAP STK CL A 02079K305   10,708,496 76,659 SH   SOLE 0 0 0 76,659
AMAZON COM INC COM 023135106   7,774,618 51,169 SH   SOLE 0 0 0 51,169
APPLE INC COM 037833100   10,777,059 55,976 SH   SOLE 0 0 0 55,976
BANK AMERICA CORP COM 060505104   797,811 23,695 SH   SOLE 0 0 0 23,695
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   9,864,859 27,659 SH   SOLE 0 0 0 27,659
BROADCOM INC COM 11135F101   313,666 281 SH   SOLE 0 0 0 281
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   8,067,329 256,187 SH   SOLE 0 0 0 256,187
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107   1,084,860 30,750 SH   SOLE 0 0 0 30,750
CISCO SYS INC COM 17275R102   2,313,664 45,797 SH   SOLE 0 0 0 45,797
COCA COLA CO COM 191216100   538,031 9,130 SH   SOLE 0 0 0 9,130
DANAHER CORPORATION COM 235851102   317,398 1,372 SH   SOLE 0 0 0 1,372
DISNEY WALT CO COM 254687106   1,881,192 20,835 SH   SOLE 0 0 0 20,835
ENBRIDGE INC COM 29250N105   3,519,429 97,284 SH   SOLE 0 0 0 97,284
EXXON MOBIL CORP COM 30231G102   1,230,154 12,304 SH   SOLE 0 0 0 12,304
GENERAL ELECTRIC CO COM NEW 369604301   220,545 1,728 SH   SOLE 0 0 0 1,728
HOME DEPOT INC COM 437076102   1,388,626 4,007 SH   SOLE 0 0 0 4,007
HONEYWELL INTL INC COM 438516106   274,301 1,308 SH   SOLE 0 0 0 1,308
INTEL CORP COM 458140100   295,269 5,876 SH   SOLE 0 0 0 5,876
INTERNATIONAL BUSINESS MACHS COM 459200101   496,538 3,036 SH   SOLE 0 0 0 3,036
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   350,508 16,549 SH   SOLE 0 0 0 16,549
ISHARES INC EM MKT SM-CP ETF 464286475   6,496,457 112,376 SH   SOLE 0 0 0 112,376
ISHARES TR CORE DIV GRWTH 46434V621   2,564,362 47,647 SH   SOLE 0 0 0 47,647
ISHARES TR CORE MSCI EAFE 46432F842   200,427 2,849 SH   SOLE 0 0 0 2,849
ISHARES TR EAFE SML CP ETF 464288273   4,460,638 72,062 SH   SOLE 0 0 0 72,062
ISHARES TR PFD AND INCM SEC 464288687   2,399,166 76,921 SH   SOLE 0 0 0 76,921
ISHARES TR ISHARES BIOTECH 464287556   1,735,348 12,774 SH   SOLE 0 0 0 12,774
ISHARES TR CORE US AGGBD ET 464287226   411,888 4,150 SH   SOLE 0 0 0 4,150
ISHARES TR MSCI EMG MKT ETF 464287234   1,460,186 36,314 SH   SOLE 0 0 0 36,314
ISHARES TR ISHARES SEMICDTR 464287523   3,343,684 5,804 SH   SOLE 0 0 0 5,804
ISHARES TR CORE S&P MCP ETF 464287507   8,104,143 29,241 SH   SOLE 0 0 0 29,241
ISHARES TR CORE S&P SCP ETF 464287804   7,543,401 69,685 SH   SOLE 0 0 0 69,685
ISHARES TR S&P SML 600 GWT 464287887   3,412,818 27,272 SH   SOLE 0 0 0 27,272
ISHARES TR CORE S&P500 ETF 464287200   9,676,784 20,260 SH   SOLE 0 0 0 20,260
ISHARES TR RUS 1000 GRW ETF 464287614   409,280 1,350 SH   SOLE 0 0 0 1,350
ISHARES TR MSCI EAFE ETF 464287465   1,942,975 25,786 SH   SOLE 0 0 0 25,786
ISHARES TR IBONDS DEC25 ETF 46434VBD1   3,914,209 158,086 SH   SOLE 0 0 0 158,086
ISHARES TR IBONDS DEC24 ETF 46434VBG4   3,815,539 153,173 SH   SOLE 0 0 0 153,173
ISHARES TR IBONDS DEC2026 46435GAA0   1,141,464 47,760 SH   SOLE 0 0 0 47,760
ISHARES TR IBONDS 27 ETF 46435UAA9   630,197 26,335 SH   SOLE 0 0 0 26,335
ISHARES TR IBDS DEC28 ETF 46435U515   2,213,666 88,229 SH   SOLE 0 0 0 88,229
JOHNSON & JOHNSON COM 478160104   5,394,207 34,415 SH   SOLE 0 0 0 34,415
JPMORGAN CHASE & CO COM 46625H100   6,334,864 37,242 SH   SOLE 0 0 0 37,242
LOWES COS INC COM 548661107   1,923,722 8,644 SH   SOLE 0 0 0 8,644
MCDONALDS CORP COM 580135101   2,302,400 7,765 SH   SOLE 0 0 0 7,765
MERCK & CO INC COM 58933Y105   3,156,892 28,957 SH   SOLE 0 0 0 28,957
MICROSOFT CORP COM 594918104   5,518,011 14,674 SH   SOLE 0 0 0 14,674
MONDELEZ INTL INC CL A 609207105   328,760 4,539 SH   SOLE 0 0 0 4,539
NVIDIA CORPORATION COM 67066G104   233,249 471 SH   SOLE 0 0 0 471
PEPSICO INC COM 713448108   5,141,396 30,272 SH   SOLE 0 0 0 30,272
PFIZER INC COM 717081103   3,545,431 123,148 SH   SOLE 0 0 0 123,148
PROCTER AND GAMBLE CO COM 742718109   1,327,066 9,056 SH   SOLE 0 0 0 9,056
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   259,527 3,409 SH   SOLE 0 0 0 3,409
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   1,314,743 48,443 SH   SOLE 0 0 0 48,443
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,735,764 80,440 SH   SOLE 0 0 0 80,440
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,518,395 71,121 SH   SOLE 0 0 0 71,121
SPDR S&P 500 ETF TR TR UNIT 78462F103   375,970 791 SH   SOLE 0 0 0 791
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,391,743 2,743 SH   SOLE 0 0 0 2,743
SPDR SER TR S&P BIOTECH 78464A870   2,992,554 33,515 SH   SOLE 0 0 0 33,515
SPDR SER TR S&P SEMICNDCTR 78464A862   1,785,507 7,943 SH   SOLE 0 0 0 7,943
SPDR SER TR PORTFOLIO S&P500 78464A854   220,022 3,936 SH   SOLE 0 0 0 3,936
SPDR SER TR BLOOMBERG INVT 78468R200   7,415,781 242,425 SH   SOLE 0 0 0 242,425
SPDR SER TR ICE PFD SEC ETF 78464A292   572,354 17,075 SH   SOLE 0 0 0 17,075
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   10,094,899 240,756 SH   SOLE 0 0 0 240,756
SSGA ACTIVE TR SPDR BLACKSTONE 78470P846   2,364,552 84,058 SH   SOLE 0 0 0 84,058
THERMO FISHER SCIENTIFIC INC COM 883556102   5,582,318 10,517 SH   SOLE 0 0 0 10,517
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   4,918,296 52,339 SH   SOLE 0 0 0 52,339
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   4,013,823 40,466 SH   SOLE 0 0 0 40,466
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   17,146,147 39,254 SH   SOLE 0 0 0 39,254
VANGUARD INDEX FDS TOTAL STK MKT 922908769   919,702 3,877 SH   SOLE 0 0 0 3,877
VANGUARD INDEX FDS MID CAP ETF 922908629   5,869,740 25,231 SH   SOLE 0 0 0 25,231
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,122,260 12,701 SH   SOLE 0 0 0 12,701
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,327,672 34,349 SH   SOLE 0 0 0 34,349
VANGUARD INDEX FDS GROWTH ETF 922908736   249,637 803 SH   SOLE 0 0 0 803
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   11,168,258 173,205 SH   SOLE 0 0 0 173,205
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   737,872 17,325 SH   SOLE 0 0 0 17,325
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   9,338,906 227,224 SH   SOLE 0 0 0 227,224
VISA INC COM CL A 92826C839   2,398,084 9,211 SH   SOLE 0 0 0 9,211
WEYERHAEUSER CO MTN BE COM NEW 962166104   1,186,874 34,135 SH   SOLE 0 0 0 34,135
WISDOMTREE TR EM EX ST-OWNED 97717X578   310,316 10,745 SH   SOLE 0 0 0 10,745
ZIMMER BIOMET HOLDINGS INC COM 98956P102   210,419 1,729 SH   SOLE 0 0 0 1,729
ZOETIS INC CL A 98978V103   215,133 1,090 SH   SOLE 0 0 0 1,090