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
Estimated average burden
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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   242,054 2,220 SH   SOLE   2,220 0 0
ABBVIE INC COM 00287Y109   308,654 2,291 SH   SOLE   2,291 0 0
ADVENT CONV & INCOME FD COM 00764C109   253,892 21,663 SH   SOLE   21,663 0 0
AMAZON COM INC COM 023135106   440,752 3,381 SH   SOLE   3,381 0 0
AMERICAN EXPRESS CO COM 025816109   307,353 1,764 SH   SOLE   1,764 0 0
APPLE INC COM 037833100   4,485,590 23,125 SH   SOLE   23,125 0 0
AT&T INC COM 00206R102   189,917 11,907 SH   SOLE   11,907 0 0
AXON ENTERPRISE INC COM 05464C101   975,600 5,000 SH   SOLE   5,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   284,053 833 SH   SOLE   833 0 0
BROADCOM INC COM 11135F101   1,293,963 1,492 SH   SOLE   1,492 0 0
CATERPILLAR INC COM 149123101   678,618 2,758 SH   SOLE   2,758 0 0
CHEVRON CORP NEW COM 166764100   1,128,610 7,173 SH   SOLE   7,173 0 0
CISCO SYS INC COM 17275R102   1,317,460 25,463 SH   SOLE   25,463 0 0
COCA COLA CO COM 191216100   1,141,101 18,949 SH   SOLE   18,949 0 0
COLGATE PALMOLIVE CO COM 194162103   319,199 4,143 SH   SOLE   4,143 0 0
COMCAST CORP NEW CL A 20030N101   610,368 14,690 SH   SOLE   14,690 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,126,291 2,092 SH   SOLE   2,092 0 0
DISNEY WALT CO COM 254687106   314,167 3,519 SH   SOLE   3,519 0 0
EXXON MOBIL CORP COM 30231G102   1,138,222 10,613 SH   SOLE   10,613 0 0
FIRSTENERGY CORP COM 337932107   358,279 9,215 SH   SOLE   9,215 0 0
GABELLI CONV & INC SECS FD I COM 36240B109   159,797 37,162 SH   SOLE   37,162 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   569,277 1,765 SH   SOLE   1,765 0 0
HOME DEPOT INC COM 437076102   821,537 2,645 SH   SOLE   2,645 0 0
HONEYWELL INTL INC COM 438516106   523,837 2,525 SH   SOLE   2,525 0 0
INTEL CORP COM 458140100   882,878 26,402 SH   SOLE   26,402 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   337,783 2,524 SH   SOLE   2,524 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   271,034 3,405 SH   SOLE   3,405 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   206,794 560 SH   SOLE   560 0 0
ISHARES TR CRE U S REIT ETF 464288521   2,632,947 51,215 SH   SOLE   51,215 0 0
ISHARES TR CORE S&P MCP ETF 464287507   11,294,526 43,195 SH   SOLE   43,195 0 0
ISHARES TR IBOXX HI YD ETF 464288513   204,511 2,724 SH   SOLE   2,724 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   10,911,501 443,197 PRN   SOLE   443,197 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   13,437,095 531,321 PRN   SOLE   531,321 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   348,301 8,804 SH   SOLE   8,804 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,441,936 19,889 SH   SOLE   19,889 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   8,521,472 167,679 SH   SOLE   167,679 0 0
ISHARES TR TIPS BD ETF 464287176   7,759,481 72,101 SH   SOLE   72,101 0 0
ISHARES TR CORE S&P SCP ETF 464287804   4,220,795 42,356 SH   SOLE   42,356 0 0
ISHARES TR CORE S&P TTL STK 464287150   690,310 7,055 SH   SOLE   7,055 0 0
ISHARES TR IBONDS 25 TRM HG 46435U168   241,201 10,487 SH   SOLE   10,487 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   791,661 4,227 SH   SOLE   4,227 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   11,106,976 152,296 SH   SOLE   152,296 0 0
ISHARES TR IBONDS 24 TRM HG 46435U184   264,197 11,447 SH   SOLE   11,447 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   7,867,326 335,208 PRN   SOLE   335,208 0 0
ISHARES TR CONV BD ETF 46435G102   704,416 9,225 SH   SOLE   9,225 0 0
ISHARES TR CORE S&P500 ETF 464287200   24,788,237 55,615 SH   SOLE   55,615 0 0
ISHARES TR RUS MID CAP ETF 464287499   581,129 7,957 SH   SOLE   7,957 0 0
ISHARES TR COHEN STEER REIT 464287564   236,605 4,258 SH   SOLE   4,258 0 0
ISHARES TR RUS MD CP GR ETF 464287481   264,910 2,741 SH   SOLE   2,741 0 0
ISHARES TR GLOBAL TECH ETF 464287291   391,797 6,300 SH   SOLE   6,300 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   10,398,222 426,506 PRN   SOLE   426,506 0 0
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   275,124 5,515 SH   SOLE   5,515 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   562,083 11,305 SH   SOLE   11,305 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS USD 46641Q878   5,992,555 134,332 SH   SOLE   134,332 0 0
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   6,687,490 143,508 SH   SOLE   143,508 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,272,226 125,094 SH   SOLE   125,094 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   385,604 7,613 SH   SOLE   7,613 0 0
JOHNSON & JOHNSON COM 478160104   1,251,565 7,561 SH   SOLE   7,561 0 0
JPMORGAN CHASE & CO COM 46625H100   1,709,018 11,751 SH   SOLE   11,751 0 0
LOWES COS INC COM 548661107   765,838 3,393 SH   SOLE   3,393 0 0
MCDONALDS CORP COM 580135101   1,799,603 6,031 SH   SOLE   6,031 0 0
MEDTRONIC PLC SHS G5960L103   581,102 6,596 SH   SOLE   6,596 0 0
MERCK & CO INC COM 58933Y105   2,100,847 18,206 SH   SOLE   18,206 0 0
META PLATFORMS INC CL A 30303M102   340,071 1,185 SH   SOLE   1,185 0 0
METLIFE INC COM 59156R108   570,302 10,088 SH   SOLE   10,088 0 0
MICROSOFT CORP COM 594918104   1,276,505 3,748 SH   SOLE   3,748 0 0
NIKE INC CL B 654106103   657,163 5,954 SH   SOLE   5,954 0 0
ORACLE CORP COM 68389X105   409,401 3,438 SH   SOLE   3,438 0 0
PEPSICO INC COM 713448108   214,516 1,158 SH   SOLE   1,158 0 0
PFIZER INC COM 717081103   592,725 16,159 SH   SOLE   16,159 0 0
PROCTER AND GAMBLE CO COM 742718109   1,559,046 10,274 SH   SOLE   10,274 0 0
PROLOGIS INC. COM 74340W103   734,643 5,991 SH   SOLE   5,991 0 0
PROSPECT CAP CORP NOTE 6.375% 3/0 74348TAT9   4,826,828 4,902,000 PRN   SOLE   4,902,000 0 0
ROBERT HALF INTL INC COM 770323103   603,987 8,030 SH   SOLE   8,030 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,714,157 50,850 SH   SOLE   50,850 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,067,427 14,392 SH   SOLE   14,392 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,006,122 12,395 SH   SOLE   12,395 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,278,268 13,417 SH   SOLE   13,417 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   1,448,052 13,493 SH   SOLE   13,493 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,388,657 17,996 SH   SOLE   17,996 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   551,410 8,426 SH   SOLE   8,426 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   548,317 6,617 SH   SOLE   6,617 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   5,030,457 28,934 SH   SOLE   28,934 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,035,647 5,920 SH   SOLE   5,920 0 0
SPDR GOLD TR GOLD SHS 78463V107   407,169 2,284 SH   SOLE   2,284 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,746,779 138,068 SH   SOLE   138,068 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,286,539 11,926 SH   SOLE   11,926 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   739,500 25,119 SH   SOLE   25,119 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   19,289,754 446,522 SH   SOLE   446,522 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   9,801,331 213,583 SH   SOLE   213,583 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   9,546,272 245,785 SH   SOLE   245,785 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   7,287,680 104,184 SH   SOLE   104,184 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   18,146,086 348,227 SH   SOLE   348,227 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   5,292,246 57,506 SH   SOLE   57,506 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   4,948,984 118,199 SH   SOLE   118,199 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   844,349 8,367 SH   SOLE   8,367 0 0
TE CONNECTIVITY LTD SHS H84989104   550,967 3,931 SH   SOLE   3,931 0 0
TEMPLETON GLOBAL INCOME FD COM 880198106   288,546 69,697 SH   SOLE   69,697 0 0
TESLA INC COM 88160R101   264,649 1,011 SH   SOLE   1,011 0 0
TRAVELERS COMPANIES INC COM 89417E109   258,066 1,486 SH   SOLE   1,486 0 0
UNION PAC CORP COM 907818108   232,448 1,136 SH   SOLE   1,136 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   290,402 3,843 SH   SOLE   3,843 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   575,556 2,034 SH   SOLE   2,034 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   811,463 5,711 SH   SOLE   5,711 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,198,458 14,342 SH   SOLE   14,342 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,488,134 36,581 SH   SOLE   36,581 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   817,857 10,810 SH   SOLE   10,810 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   230,458 1,419 SH   SOLE   1,419 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,797,210 168,844 SH   SOLE   168,844 0 0
VISA INC COM CL A 92826C839   939,746 3,957 SH   SOLE   3,957 0 0
WALMART INC COM 931142103   1,939,115 12,337 SH   SOLE   12,337 0 0
XCEL ENERGY INC COM 98389B100   201,284 3,238 SH   SOLE   3,238 0 0