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
PIMCO ETF TR ACTIVE BD ETF 72201R775   27,059,339 294,572 SH   SOLE   0 0 294,572
ISHARES TR CORE US AGGBD ET 464287226   22,935,240 234,176 SH   SOLE   0 0 234,176
ISHARES TR CORE MSCI EAFE 46432F842   17,480,082 235,517 SH   SOLE   0 0 235,517
ISHARES TR S&P MC 400GR ETF 464287606   16,725,185 183,290 SH   SOLE   0 0 183,290
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   11,959,203 585,375 SH   SOLE   0 0 585,375
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   11,213,200 534,726 SH   SOLE   0 0 534,726
ISHARES TR CORE S&P SCP ETF 464287804   6,801,544 61,541 SH   SOLE   0 0 61,541
WORLD GOLD TR SPDR GLD MINIS 98149E303   6,546,781 148,622 SH   SOLE   0 0 148,622
AUTOMATIC DATA PROCESSING IN COM 053015103   5,884,534 23,563 SH   SOLE   0 0 23,563
VISTRA CORP COM 92840M102   5,700,723 81,848 SH   SOLE   0 0 81,848
PACCAR INC COM 693718108   5,496,269 44,364 SH   SOLE   0 0 44,364
ISHARES TR S&P MC 400VL ETF 464287705   5,346,665 45,200 SH   SOLE   0 0 45,200
JPMORGAN CHASE &CO COM 46625H100   5,267,906 26,300 SH   SOLE   0 0 26,300
PULTE GROUP INC COM 745867101   5,261,306 43,619 SH   SOLE   0 0 43,619
WELLS FARGO CO NEW PERP PFD CNV A 949746804   5,243,205 4,300 SH   SOLE   0 0 4,300
BANK AMERICA CORP 7.25%CNV PFD L 060505682   5,115,176 4,285 SH   SOLE   0 0 4,285
VALERO ENERGY CORP COM 91913Y100   4,909,477 28,763 SH   SOLE   0 0 28,763
APPLE INC COM 037833100   4,878,608 28,450 SH   SOLE   0 0 28,450
BANK AMERICA CORP COM 060505104   4,851,551 127,942 SH   SOLE   0 0 127,942
QUALCOMM INC COM 747525103   4,846,577 28,627 SH   SOLE   0 0 28,627
ALPHABET INC CAP STK CL A 02079K305   4,817,535 31,919 SH   SOLE   0 0 31,919
BROADCOM INC COM 11135F101   4,781,699 3,608 SH   SOLE   0 0 3,608
NUCOR CORP COM 670346105   4,746,804 23,986 SH   SOLE   0 0 23,986
THE CIGNA GROUP COM 125523100   4,672,341 12,865 SH   SOLE   0 0 12,865
GENERAL MTRS CO COM 37045V100   4,582,247 101,042 SH   SOLE   0 0 101,042
PRUDENTIAL FINL INC COM 744320102   4,578,104 38,996 SH   SOLE   0 0 38,996
REGENERON PHARMACEUTICALS COM 75886F107   4,467,277 4,641 SH   SOLE   0 0 4,641
ISHARES TR MBS ETF 464288588   4,462,962 48,290 SH   SOLE   0 0 48,290
SALESFORCE INC COM 79466L302   4,455,356 14,793 SH   SOLE   0 0 14,793
WALMART INC COM 931142103   4,409,077 73,277 SH   SOLE   0 0 73,277
CBRE GROUP INC CL A 12504L109   4,360,633 44,844 SH   SOLE   0 0 44,844
EBAY INC. COM 278642103   4,288,321 81,249 SH   SOLE   0 0 81,249
ISHARES TR S&P 500 VAL ETF 464287408   4,175,523 22,352 SH   SOLE   0 0 22,352
PROCTER AND GAMBLE CO COM 742718109   4,145,812 25,552 SH   SOLE   0 0 25,552
AT&T INC COM 00206R102   4,071,961 231,361 SH   SOLE   0 0 231,361
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   3,879,414 52,932 SH   SOLE   0 0 52,932
CISCO SYS INC COM 17275R102   3,776,818 75,673 SH   SOLE   0 0 75,673
BRISTOL-MYERS SQUIBB CO COM 110122108   3,714,444 68,494 SH   SOLE   0 0 68,494
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101   3,678,697 56,275 SH   SOLE   0 0 56,275
UNITED PARCEL SERVICE INC CL B 911312106   3,593,402 24,177 SH   SOLE   0 0 24,177
GILEAD SCIENCES INC COM 375558103   3,583,183 48,917 SH   SOLE   0 0 48,917
LABORATORY CORP AMER HLDGS COM NEW 50540R409   3,456,241 15,821 SH   SOLE   0 0 15,821
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   2,984,532 28,785 SH   SOLE   0 0 28,785
ISHARES TR S&P 500 GRWT ETF 464287309   2,668,407 31,601 SH   SOLE   0 0 31,601
SPDR GOLD TR GOLD SHS 78463V107   1,381,410 6,715 SH   SOLE   0 0 6,715
VANGUARD INDEX FDS TOTAL STK MKT 922908769   763,326 2,937 SH   SOLE   0 0 2,937
ISHARES TR CORE S&P500 ETF 464287200   743,382 1,414 SH   SOLE   0 0 1,414
ARES CAPITAL CORP COM 04010L103   594,786 28,568 SH   SOLE   0 0 28,568
ISHARES TR RUS 1000 GRW ETF 464287614   564,222 1,674 SH   SOLE   0 0 1,674
ISHARES TR 1 3 YR TREAS BD 464287457   532,061 6,506 SH   SOLE   0 0 6,506
NVIDIA CORPORATION COM 67066G104   371,363 411 SH   SOLE   0 0 411
ISHARES TR CORE 1 5 YR USD 46432F859   344,225 7,256 SH   SOLE   0 0 7,256
BECTON DICKINSON &CO COM 075887109   340,739 1,377 SH   SOLE   0 0 1,377
GOLDMAN SACHS GROUP INC COM 38141G104   316,191 757 SH   SOLE   0 0 757
COLUMBIA FINL INC COM 197641103   296,873 17,250 SH   SOLE   0 0 17,250
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   280,721 16,208 SH   SOLE   0 0 16,208
MERCK &CO INC COM 58933Y105   262,317 1,988 SH   SOLE   0 0 1,988
MICROSOFT CORP COM 594918104   260,846 620 SH   SOLE   0 0 620
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   245,832 1,200 SH   SOLE   0 0 1,200
ISHARES TR ESG AWR MSCI USA 46435G425   244,290 2,125 SH   SOLE   0 0 2,125
SAREPTA THERAPEUTICS INC COM 803607100   220,082 1,700 SH   SOLE   0 0 1,700
INTERPUBLIC GROUP COS INC COM 460690100   215,945 6,618 SH   SOLE   0 0 6,618
INVESCO QQQ TR UNIT SER 1 46090E103   201,137 453 SH   SOLE   0 0 453