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
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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
PROSPECT CAP CORP 6.375 03/01/2025 Convertible 74348TAT9   9,925 10,000 SH   SOLE   10,000 0 0
VIS - VANGUARD INDUSTRIALS ETF ETF 92204A603   2,782,578 11,397 SH   SOLE   11,397 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201   759,428 12,237 SH   SOLE   12,237 0 0
VHT - VANGUARD HEALTH CARE ETF ETF 92204A504   4,010,459 14,825 SH   SOLE   14,825 0 0
VGT - VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   9,826,132 18,740 SH   SOLE   18,740 0 0
APPLE INC Stock 037833100   3,309,050 19,297 SH   SOLE   19,297 0 0
VCR - VANGUARD CONSUMER DISCRETIONARY ETF ETF 92204A108   6,358,730 20,013 SH   SOLE   20,013 0 0
VANGUARD FINANCIALS ETF ETF 92204A405   2,228,109 21,761 SH   SOLE   21,761 0 0
MIRA PHARMACEUTICALS INC COM Stock 60458C104   30,250 27,500 SH   SOLE   27,500 0 0
ISHARES S&P 500 INDEX ETF 464287200   15,413,324 29,317 SH   SOLE   29,317 0 0
VDE - VANGUARD ENERGY ETF ETF 92204A306   3,863,683 29,337 SH   SOLE   29,337 0 0
VANGUARD SMALL CAP ETF ETF 922908751   7,938,474 34,728 SH   SOLE   34,728 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595   10,744,271 41,210 SH   SOLE   41,210 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884   5,976,152 45,543 SH   SOLE   45,543 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   11,366,971 59,240 SH   SOLE   59,240 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   4,092,129 63,790 SH   SOLE   63,790 0 0
VANGUARD MID CAP ETF 922908629   17,404,498 69,657 SH   SOLE   69,657 0 0
IBMR - ISHARES I BONDS DEC 2029 TERM MUNI BOND ETF ETF 46436E163   2,285,506 90,533 SH   SOLE   90,533 0 0
VANGUARD MID CAP GROWTH ETF ETF 922908538   23,311,378 98,865 SH   SOLE   98,865 0 0
IBDV - ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726   2,673,609 124,935 SH   SOLE   124,935 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4   3,160,959 126,186 SH   SOLE   126,186 0 0
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF ETF 922908512   21,019,474 134,818 SH   SOLE   134,818 0 0
IBDU - ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205   3,966,686 173,825 SH   SOLE   173,825 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515   4,482,476 179,983 SH   SOLE   179,983 0 0
ISHARES IBONDS DEC 2024 TERM MUNI BOND ETF ETF 46435U697   4,803,370 185,101 SH   SOLE   185,101 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9   4,562,936 191,720 SH   SOLE   191,720 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1   4,795,971 193,308 SH   SOLE   193,308 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   4,714,334 197,666 SH   SOLE   197,666 0 0
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   5,955,027 235,656 SH   SOLE   235,656 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432   6,331,004 239,267 SH   SOLE   239,267 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259   6,397,833 252,380 SH   SOLE   252,380 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   6,392,953 253,991 SH   SOLE   253,991 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   12,259,327 293,496 SH   SOLE   293,496 0 0
IVE - ISHARES S&0 500 VALUE ETF ETF 464287408   59,827,583 320,259 SH   SOLE   320,259 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   27,674,976 551,624 SH   SOLE   551,624 0 0
IVW - ISHARES S&P 500 GROWTH ETF ETF 464287309   63,262,870 749,205 SH   SOLE   749,205 0 0