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
ADOBE INC COM 00724F101   394,055 844 SH   SOLE 0 0 0 844
AIR PRODS & CHEMS INC COM 009158106   354,587 1,513 SH   SOLE 0 0 0 1,513
ALPHABET INC CAP STK CL A 02079K305   1,322,598 8,463 SH   SOLE 0 0 0 8,463
AMAZON COM INC COM 023135106   1,236,888 6,979 SH   SOLE 0 0 0 6,979
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   259,068 14,134 SH   SOLE 0 0 0 14,134
APOLLO COML REAL EST FIN INC COM 03762U105   362,679 33,644 SH   SOLE 0 0 0 33,644
APPLE INC COM 037833100   412,414 2,487 SH   SOLE 0 0 0 2,487
ARBOR REALTY TRUST INC COM 038923108   280,741 22,002 SH   SOLE 0 0 0 22,002
AUTODESK INC COM 052769106   404,513 1,863 SH   SOLE 0 0 0 1,863
BOOKING HOLDINGS INC COM 09857L108   983,492 284 SH   SOLE 0 0 0 284
CARMAX INC COM 143130102   386,848 5,699 SH   SOLE 0 0 0 5,699
CENCORA INC COM 03073E105   612,020 2,584 SH   SOLE 0 0 0 2,584
CHECK POINT SOFTWARE TECH LT ORD M22465104   586,729 3,695 SH   SOLE 0 0 0 3,695
CHEVRON CORP NEW COM 166764100   257,706 1,592 SH   SOLE 0 0 0 1,592
COSTCO WHSL CORP NEW COM 22160K105   305,946 428 SH   SOLE 0 0 0 428
CVS HEALTH CORP COM 126650100   296,415 4,257 SH   SOLE 0 0 0 4,257
DIAGEO PLC SPON ADR NEW 25243Q205   528,223 3,717 SH   SOLE 0 0 0 3,717
DISNEY WALT CO COM 254687106   589,739 5,266 SH   SOLE 0 0 0 5,266
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107   171,756 70,681 SH   SOLE 0 0 0 70,681
ECOLAB INC COM 278865100   242,118 1,104 SH   SOLE 0 0 0 1,104
ELEVANCE HEALTH INC COM 036752103   773,316 1,453 SH   SOLE 0 0 0 1,453
FISERV INC COM 337738108   320,813 2,156 SH   SOLE 0 0 0 2,156
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   2,834,640 76,612 SH   SOLE 0 0 0 76,612
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548   1,231,665 69,269 SH   SOLE 0 0 0 69,269
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   1,148,010 11,155 SH   SOLE 0 0 0 11,155
INVESCO QQQ TR UNIT SER 1 46090E103   229,947 549 SH   SOLE 0 0 0 549
IQVIA HLDGS INC COM 46266C105   1,064,858 4,603 SH   SOLE 0 0 0 4,603
IRON MTN INC DEL COM 46284V101   659,681 8,697 SH   SOLE 0 0 0 8,697
ISHARES TR RUS 1000 ETF 464287622   2,527,896 9,201 SH   SOLE 0 0 0 9,201
ISHARES TR MSCI UK ETF NEW 46435G334   205,814 6,068 SH   SOLE 0 0 0 6,068
ISHARES TR TIPS BD ETF 464287176   6,788,076 64,166 SH   SOLE 0 0 0 64,166
ISHARES TR ISHS 1-5YR INVS 464288646   1,867,676 36,787 SH   SOLE 0 0 0 36,787
ISHARES TR EAFE VALUE ETF 464288877   301,808 5,650 SH   SOLE 0 0 0 5,650
ISHARES TR US HOME CONS ETF 464288752   916,665 8,885 SH   SOLE 0 0 0 8,885
ISHARES TR ISHS 5-10YR INVT 464288638   4,890,757 97,232 SH   SOLE 0 0 0 97,232
ISHARES TR RESIDENTIAL MULT 464288562   917,748 13,199 SH   SOLE 0 0 0 13,199
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,529,620 15,418 SH   SOLE 0 0 0 15,418
ISHARES TR ROBOTICS ARTIF 46435U556   827,268 25,949 SH   SOLE 0 0 0 25,949
ISHARES TR SELF DRIVNG EV 46435U366   776,922 26,892 SH   SOLE 0 0 0 26,892
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   301,381 5,458 SH   SOLE 0 0 0 5,458
MASTERCARD INCORPORATED CL A 57636Q104   851,382 1,864 SH   SOLE 0 0 0 1,864
META PLATFORMS INC CL A 30303M102   1,101,235 2,286 SH   SOLE 0 0 0 2,286
MICROSOFT CORP COM 594918104   1,158,605 2,890 SH   SOLE 0 0 0 2,890
OFFICE PPTYS INCOME TR COM SHS BEN INT 67623C109   37,896 18,668 SH   SOLE 0 0 0 18,668
PACER FDS TR DATA AND INFRAST 69374H741   866,144 32,697 SH   SOLE 0 0 0 32,697
QUALCOMM INC COM 747525103   553,582 3,456 SH   SOLE 0 0 0 3,456
READY CAPITAL CORP COM 75574U101   158,371 18,183 SH   SOLE 0 0 0 18,183
SALESFORCE INC COM 79466L302   291,334 1,064 SH   SOLE 0 0 0 1,064
SCHWAB CHARLES CORP COM 808513105   898,100 12,094 SH   SOLE 0 0 0 12,094
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   3,417,231 51,753 SH   SOLE 0 0 0 51,753
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   4,082,838 45,849 SH   SOLE 0 0 0 45,849
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,108,533 42,981 SH   SOLE 0 0 0 42,981
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,183,709 28,963 SH   SOLE 0 0 0 28,963
SELECT SECTOR SPDR TR INDL 81369Y704   4,357,871 35,903 SH   SOLE 0 0 0 35,903
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,376,778 17,384 SH   SOLE 0 0 0 17,384
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   4,767,661 63,442 SH   SOLE 0 0 0 63,442
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   4,435,188 31,798 SH   SOLE 0 0 0 31,798
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,421,002 14,199 SH   SOLE 0 0 0 14,199
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   856,252 23,673 SH   SOLE 0 0 0 23,673
SPDR SER TR S&P DIVID ETF 78464A763   1,260,771 9,871 SH   SOLE 0 0 0 9,871
SPDR SER TR BBG CONV SEC ETF 78464A359   25,850,613 369,242 SH   SOLE 0 0 0 369,242
STARBUCKS CORP COM 855244109   438,519 4,973 SH   SOLE 0 0 0 4,973
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   856,739 6,603 SH   SOLE 0 0 0 6,603
UNITEDHEALTH GROUP INC COM 91324P102   435,721 887 SH   SOLE 0 0 0 887
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   256,540 10,738 SH   SOLE 0 0 0 10,738
VANECK ETF TRUST MORTGAGE REIT 92189F452   873,782 81,282 SH   SOLE 0 0 0 81,282
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,953,871 25,733 SH   SOLE 0 0 0 25,733
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,461,801 20,641 SH   SOLE 0 0 0 20,641
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   6,062,807 88,392 SH   SOLE 0 0 0 88,392
VANGUARD INDEX FDS VALUE ETF 922908744   320,549 2,041 SH   SOLE 0 0 0 2,041
VANGUARD INDEX FDS MID CAP ETF 922908629   351,877 1,485 SH   SOLE 0 0 0 1,485
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   873,566 10,961 SH   SOLE 0 0 0 10,961
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,280,893 5,172 SH   SOLE 0 0 0 5,172
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,548,230 32,369 SH   SOLE 0 0 0 32,369
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   5,918,501 79,507 SH   SOLE 0 0 0 79,507
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   411,529 7,182 SH   SOLE 0 0 0 7,182
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   317,157 7,148 SH   SOLE 0 0 0 7,148
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   391,738 8,097 SH   SOLE 0 0 0 8,097
VANGUARD WORLD FD EXTENDED DUR 921910709   11,228,804 160,802 SH   SOLE 0 0 0 160,802
VEEVA SYS INC CL A COM 922475108   253,005 1,271 SH   SOLE 0 0 0 1,271
VISA INC COM CL A 92826C839   757,077 2,780 SH   SOLE 0 0 0 2,780
WISDOMTREE TR US LARGECAP DIVD 97717W307   4,531,644 65,166 SH   SOLE 0 0 0 65,166
WISDOMTREE TR US SMALLCAP DIVD 97717W604   4,474,667 143,235 SH   SOLE 0 0 0 143,235
WP CAREY INC COM 92936U109   308,876 5,494 SH   SOLE 0 0 0 5,494