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
hours per response: 23.8
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   215,357 2,224 SH   SOLE   2,224 0 0
ABBVIE INC COM 00287Y109   342,736 2,299 SH   SOLE   2,299 0 0
ADVENT CONV & INCOME FD COM 00764C109   227,583 21,695 SH   SOLE   21,695 0 0
AMAZON COM INC COM 023135106   414,289 3,259 SH   SOLE   3,259 0 0
AMERICAN EXPRESS CO COM 025816109   263,490 1,766 SH   SOLE   1,766 0 0
APPLE INC COM 037833100   3,891,307 22,728 SH   SOLE   22,728 0 0
AT&T INC COM 00206R102   171,033 11,387 SH   SOLE   11,387 0 0
AXON ENTERPRISE INC COM 05464C101   994,950 5,000 SH   SOLE   5,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   291,800 833 SH   SOLE   833 0 0
BROADCOM INC COM 11135F101   1,116,067 1,344 SH   SOLE   1,344 0 0
CATERPILLAR INC COM 149123101   730,074 2,674 SH   SOLE   2,674 0 0
CHEVRON CORP NEW COM 166764100   1,209,446 7,173 SH   SOLE   7,173 0 0
CISCO SYS INC COM 17275R102   1,392,808 25,908 SH   SOLE   25,908 0 0
COCA COLA CO COM 191216100   1,061,425 18,961 SH   SOLE   18,961 0 0
COLGATE PALMOLIVE CO COM 194162103   294,629 4,143 SH   SOLE   4,143 0 0
COMCAST CORP NEW CL A 20030N101   687,141 15,497 SH   SOLE   15,497 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,181,896 2,092 SH   SOLE   2,092 0 0
EXXON MOBIL CORP COM 30231G102   1,229,863 10,460 SH   SOLE   10,460 0 0
GABELLI CONV & INC SECS FD I COM 36240B109   128,155 34,175 SH   SOLE   34,175 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   579,508 1,791 SH   SOLE   1,791 0 0
HOME DEPOT INC COM 437076102   783,700 2,594 SH   SOLE   2,594 0 0
HONEYWELL INTL INC COM 438516106   468,817 2,538 SH   SOLE   2,538 0 0
INTEL CORP COM 458140100   957,013 26,920 SH   SOLE   26,920 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   354,166 2,524 SH   SOLE   2,524 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   306,074 4,490 SH   SOLE   4,490 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   666,850 29,810 SH   SOLE   29,810 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   200,577 560 SH   SOLE   560 0 0
ISHARES TR RUS MID CAP ETF 464287499   546,410 7,890 SH   SOLE   7,890 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   12,377,036 488,053 SH   SOLE   488,053 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,389,947 20,168 SH   SOLE   20,168 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   8,399,707 165,056 SH   SOLE   165,056 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   412,479 17,165 SH   SOLE   17,165 0 0
ISHARES TR IBONDS 25 TRM HG 46435U168   246,956 10,770 SH   SOLE   10,770 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   10,792,409 436,410 SH   SOLE   436,410 0 0
ISHARES TR COHEN STEER REIT 464287564   210,329 4,193 SH   SOLE   4,193 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   10,809,713 156,368 SH   SOLE   156,368 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   334,126 8,804 SH   SOLE   8,804 0 0
ISHARES TR CORE S&P500 ETF 464287200   23,742,180 55,288 SH   SOLE   55,288 0 0
ISHARES TR GLOBAL TECH ETF 464287291   364,392 6,300 SH   SOLE   6,300 0 0
ISHARES TR CONV BD ETF 46435G102   742,024 9,999 SH   SOLE   9,999 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   502,948 21,735 SH   SOLE   21,735 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   7,894,056 338,292 SH   SOLE   338,292 0 0
ISHARES TR TIPS BD ETF 464287176   6,685,358 64,456 SH   SOLE   64,456 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   739,194 4,182 SH   SOLE   4,182 0 0
ISHARES TR IBOXX HI YD ETF 464288513   201,501 2,733 SH   SOLE   2,733 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   10,460,954 429,255 SH   SOLE   429,255 0 0
ISHARES TR CORE S&P MCP ETF 464287507   10,798,976 43,309 SH   SOLE   43,309 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,865,750 40,981 SH   SOLE   40,981 0 0
ISHARES TR IBONDS 24 TRM HG 46435U184   263,018 11,337 SH   SOLE   11,337 0 0
ISHARES TR RUS MD CP GR ETF 464287481   250,435 2,741 SH   SOLE   2,741 0 0
ISHARES TR CORE S&P TTL STK 464287150   667,194 7,083 SH   SOLE   7,083 0 0
ISHARES TR CRE U S REIT ETF 464288521   2,459,284 52,126 SH   SOLE   52,126 0 0
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   200,087 4,017 SH   SOLE   4,017 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   463,485 9,290 SH   SOLE   9,290 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   396,319 7,856 SH   SOLE   7,856 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,383,487 127,212 SH   SOLE   127,212 0 0
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   6,484,948 142,558 SH   SOLE   142,558 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS USD 46641Q878   5,952,772 135,660 SH   SOLE   135,660 0 0
JOHNSON & JOHNSON COM 478160104   1,173,173 7,532 SH   SOLE   7,532 0 0
JPMORGAN CHASE & CO COM 46625H100   1,731,574 11,940 SH   SOLE   11,940 0 0
MCDONALDS CORP COM 580135101   1,577,384 5,988 SH   SOLE   5,988 0 0
MEDTRONIC PLC SHS G5960L103   557,259 7,112 SH   SOLE   7,112 0 0
MERCK & CO INC COM 58933Y105   1,905,379 18,508 SH   SOLE   18,508 0 0
META PLATFORMS INC CL A 30303M102   355,749 1,185 SH   SOLE   1,185 0 0
METLIFE INC COM 59156R108   667,128 10,604 SH   SOLE   10,604 0 0
MICROSOFT CORP COM 594918104   1,450,074 4,592 SH   SOLE   4,592 0 0
NIKE INC CL B 654106103   569,854 5,960 SH   SOLE   5,960 0 0
NXP SEMICONDUCTORS N V COM N6596X109   595,562 2,979 SH   SOLE   2,979 0 0
ORACLE CORP COM 68389X105   364,515 3,441 SH   SOLE   3,441 0 0
PEPSICO INC COM 713448108   776,233 4,581 SH   SOLE   4,581 0 0
PFIZER INC COM 717081103   393,236 11,855 SH   SOLE   11,855 0 0
PNC FINL SVCS GROUP INC COM 693475105   590,769 4,812 SH   SOLE   4,812 0 0
PROCTER AND GAMBLE CO COM 742718109   1,492,359 10,231 SH   SOLE   10,231 0 0
PROLOGIS INC. COM 74340W103   706,331 6,295 SH   SOLE   6,295 0 0
PROSPECT CAP CORP NOTE 6.375% 3/0 74348TAT9   4,805,312 4,842,000 PRN   SOLE   4,842,000 0 0
SALESFORCE INC COM 79466L302   299,101 1,475 SH   SOLE   1,475 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,692,138 51,014 SH   SOLE   51,014 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,300,889 17,872 SH   SOLE   17,872 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   1,353,893 13,355 SH   SOLE   13,355 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,000,131 11,065 SH   SOLE   11,065 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,137,164 13,276 SH   SOLE   13,276 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   984,146 14,302 SH   SOLE   14,302 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   501,923 8,517 SH   SOLE   8,517 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,482,051 27,341 SH   SOLE   27,341 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   515,612 6,564 SH   SOLE   6,564 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   1,956,488 5,841 SH   SOLE   5,841 0 0
SPDR GOLD TR GOLD SHS 78463V107   391,592 2,284 SH   SOLE   2,284 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,766,301 141,981 SH   SOLE   141,981 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,723,136 11,049 SH   SOLE   11,049 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   612,021 20,874 SH   SOLE   20,874 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   9,067,868 207,076 SH   SOLE   207,076 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   5,028,566 55,626 SH   SOLE   55,626 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   16,884,751 335,948 SH   SOLE   335,948 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   17,614,241 426,908 SH   SOLE   426,908 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   6,911,251 101,936 SH   SOLE   101,936 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   9,085,732 246,226 SH   SOLE   246,226 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   4,927,030 117,506 SH   SOLE   117,506 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   752,070 8,654 SH   SOLE   8,654 0 0
TEMPLETON GLOBAL INCOME FD COM 880198106   255,289 66,137 SH   SOLE   66,137 0 0
TESLA INC COM 88160R101   252,972 1,011 SH   SOLE   1,011 0 0
TRAVELERS COMPANIES INC COM 89417E109   242,686 1,486 SH   SOLE   1,486 0 0
UNION PAC CORP COM 907818108   231,324 1,136 SH   SOLE   1,136 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   259,344 3,450 SH   SOLE   3,450 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   553,561 2,033 SH   SOLE   2,033 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   787,374 5,709 SH   SOLE   5,709 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,064,955 14,076 SH   SOLE   14,076 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,388,986 35,424 SH   SOLE   35,424 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   697,578 9,282 SH   SOLE   9,282 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   220,456 1,419 SH   SOLE   1,419 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,175,707 164,129 SH   SOLE   164,129 0 0
VISA INC COM CL A 92826C839   907,562 3,946 SH   SOLE   3,946 0 0
WALMART INC COM 931142103   2,009,985 12,568 SH   SOLE   12,568 0 0