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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
ABBVIE INC COM 00287Y109   306,098 1,649 SH   SOLE   0 0 1,649
ALPHABET INC CAP STK CL A 02079K305   220,132 1,249 SH   SOLE   0 0 1,249
ALPHABET INC CAP STK CL C 02079K107   241,803 1,363 SH   SOLE   0 0 1,363
AMAZON COM INC COM 023135106   954,135 4,349 SH   SOLE   0 0 4,349
AMERICAN CENTY ETF TR FOCUSED DYNAMIC 025072810   302,426 2,768 SH   SOLE   0 0 2,768
APPLE INC COM 037833100   11,894,948 57,976 SH   SOLE   0 0 57,976
ARM HOLDINGS PLC SPONSORED ADS 042068205   808,700 5,000 SH   SOLE   0 0 5,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108   728,800 1 SH   SOLE   0 0 1
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780   4,079,968 141,420 SH   SOLE   0 0 141,420
BLACKROCK ETF TRUST ISHARES ADVANTAG 09290C863   200,690 6,665 SH   SOLE   0 0 6,665
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   26,037,027 478,095 SH   SOLE   0 0 478,095
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806   11,702,777 328,914 SH   SOLE   0 0 328,914
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   282,571 4,200 SH   SOLE   0 0 4,200
BLACKROCK ETF TRUST II ISHARES AAA CLO 092528504   288,009 5,547 SH   SOLE   0 0 5,547
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   9,677,216 183,142 SH   SOLE   0 0 183,142
BLACKROCK ETF TRUST II ISHARES HIGH YIE 092528843   1,211,633 24,915 SH   SOLE   0 0 24,915
BROADCOM INC COM 11135F101   799,414 2,900 SH   SOLE   0 0 2,900
CAPITAL GROUP CORE BALANCED SHS 14021D107   322,194 9,635 SH   SOLE   0 0 9,635
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   586,316 15,876 SH   SOLE   0 0 15,876
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   355,453 9,001 SH   SOLE   0 0 9,001
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   269,489 8,429 SH   SOLE   0 0 8,429
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   442,249 10,879 SH   SOLE   0 0 10,879
CATERPILLAR INC COM 149123101   1,935,583 4,986 SH   SOLE   0 0 4,986
COCA COLA CO COM 191216100   346,746 4,901 SH   SOLE   0 0 4,901
CORNING INC COM 219350105   304,043 5,781 SH   SOLE   0 0 5,781
DEERE & CO COM 244199105   736,929 1,449 SH   SOLE   0 0 1,449
ELI LILLY & CO COM 532457108   473,791 608 SH   SOLE   0 0 608
EXXON MOBIL CORP COM 30231G102   839,703 7,789 SH   SOLE   0 0 7,789
FIDELITY COVINGTON TRUST DIVID ETF RISI 316092832   475,459 8,768 SH   SOLE   0 0 8,768
FIDELITY COVINGTON TRUST FIDELITY US MLTF 316092378   234,832 6,533 SH   SOLE   0 0 6,533
FIDELITY COVINGTON TRUST INTL MULTIFACTOR 316092535   313,054 9,609 SH   SOLE   0 0 9,609
FIDELITY COVINGTON TRUST MOMENTUM FACTR 316092816   295,727 3,898 SH   SOLE   0 0 3,898
FIDELITY COVINGTON TRUST STOCK FOR INFL 316092386   314,887 6,750 SH   SOLE   0 0 6,750
FIDELITY MERRIMACK STR TR CORP BOND ETF 316188101   279,912 5,917 SH   SOLE   0 0 5,917
FIDELITY MERRIMACK STR TR INVESTMENT GR SE 316188705   242,392 5,565 SH   SOLE   0 0 5,565
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   278,368 6,085 SH   SOLE   0 0 6,085
GE AEROSPACE COM NEW 369604301   267,045 1,038 SH   SOLE   0 0 1,038
HOME DEPOT INC COM 437076102   216,318 590 SH   SOLE   0 0 590
HONEYWELL INTL INC COM 438516106   933,150 4,007 SH   SOLE   0 0 4,007
INTERNATIONAL BUSINESS MACHS COM 459200101   1,162,643 3,944 SH   SOLE   0 0 3,944
INTUIT COM 461202103   449,280 570 SH   SOLE   0 0 570
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   368,837 5,065 SH   SOLE   0 0 5,065
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   326,497 1,797 SH   SOLE   0 0 1,797
ISHARES GOLD TR ISHARES NEW 464285204   5,235,541 83,957 SH   SOLE   0 0 83,957
ISHARES INC CORE MSCI EMKT 46434G103   17,927,811 298,648 SH   SOLE   0 0 298,648
ISHARES INC MSCI EMRG CHN 46434G764   993,361 15,733 SH   SOLE   0 0 15,733
ISHARES INC MSCI GBL MIN VOL 464286525   251,477 2,121 SH   SOLE   0 0 2,121
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,717,550 16,690 SH   SOLE   0 0 16,690
ISHARES TR 10-20 YR TRS ETF 464288653   13,969,782 137,498 SH   SOLE   0 0 137,498
ISHARES TR 20 YR TR BD ETF 464287432   296,613 3,361 SH   SOLE   0 0 3,361
ISHARES TR 7-10 YR TRSY BD 464287440   453,611 4,736 SH   SOLE   0 0 4,736
ISHARES TR A RATE CP BD ETF 46429B291   883,912 18,476 SH   SOLE   0 0 18,476
ISHARES TR CONV BD ETF 46435G102   360,238 3,998 SH   SOLE   0 0 3,998
ISHARES TR CORE 60/40 BALAN 464289867   929,833 15,102 SH   SOLE   0 0 15,102
ISHARES TR CORE 80/20 AGGRE 464289859   951,696 11,411 SH   SOLE   0 0 11,411
ISHARES TR CORE DIV GRWTH 46434V621   441,815 6,910 SH   SOLE   0 0 6,910
ISHARES TR CORE HIGH DV ETF 46429B663   241,323 2,060 SH   SOLE   0 0 2,060
ISHARES TR CORE INTL AGGR 46435G672   8,597,170 168,275 SH   SOLE   0 0 168,275
ISHARES TR CORE MSCI EAFE 46432F842   647,275 7,754 SH   SOLE   0 0 7,754
ISHARES TR CORE MSCI TOTAL 46432F834   240,801 3,115 SH   SOLE   0 0 3,115
ISHARES TR CORE S&P MCP ETF 464287507   504,015 8,127 SH   SOLE   0 0 8,127
ISHARES TR CORE S&P SCP ETF 464287804   348,924 3,193 SH   SOLE   0 0 3,193
ISHARES TR CORE S&P TTL STK 464287150   392,696 2,908 SH   SOLE   0 0 2,908
ISHARES TR CORE S&P US GWT 464287671   713,470 4,744 SH   SOLE   0 0 4,744
ISHARES TR CORE S&P500 ETF 464287200   35,923,567 57,857 SH   SOLE   0 0 57,857
ISHARES TR CORE TOTAL USD 46434V613   51,654,809 1,117,344 SH   SOLE   0 0 1,117,344
ISHARES TR CUR HD EURZN ETF 46434V639   251,205 6,122 SH   SOLE   0 0 6,122
ISHARES TR EAFE GRWTH ETF 464288885   12,446,137 111,126 SH   SOLE   0 0 111,126
ISHARES TR EAFE VALUE ETF 464288877   27,871,392 439,058 SH   SOLE   0 0 439,058
ISHARES TR ESG AW MSCI EAFE 46435G516   211,186 2,367 SH   SOLE   0 0 2,367
ISHARES TR ESG AWR MSCI USA 46435G425   2,323,637 17,174 SH   SOLE   0 0 17,174
ISHARES TR EUROPE ETF 464287861   833,266 13,174 SH   SOLE   0 0 13,174
ISHARES TR EXPND TEC SC ETF 464287549   418,718 3,727 SH   SOLE   0 0 3,727
ISHARES TR GLOBAL TECH ETF 464287291   422,527 4,576 SH   SOLE   0 0 4,576
ISHARES TR HIGH YLD CORP BD 46436E320   353,208 11,539 SH   SOLE   0 0 11,539
ISHARES TR IBONDS 2026 TERM 46436E528   291,571 12,551 SH   SOLE   0 0 12,551
ISHARES TR IBONDS 25 TRM HG 46435U168   327,645 14,089 SH   SOLE   0 0 14,089
ISHARES TR IBOXX INV CP ETF 464287242   746,846 6,814 SH   SOLE   0 0 6,814
ISHARES TR INVESTMENT GRADE 46435G219   445,566 9,806 SH   SOLE   0 0 9,806
ISHARES TR JPMORGAN USD EMG 464288281   3,506,269 37,857 SH   SOLE   0 0 37,857
ISHARES TR LARGE CAP MAX BU 46438G471   376,188 14,581 SH   SOLE   0 0 14,581
ISHARES TR MBS ETF 464288588   13,372,830 142,431 SH   SOLE   0 0 142,431
ISHARES TR MRGSTR MD CP GRW 464288307   281,019 3,503 SH   SOLE   0 0 3,503
ISHARES TR MSCI ACWI EX US 464288240   438,603 7,197 SH   SOLE   0 0 7,197
ISHARES TR MSCI INTL VLU FT 46435G409   955,274 29,045 SH   SOLE   0 0 29,045
ISHARES TR MSCI USA MIN VOL 46429B697   991,174 10,559 SH   SOLE   0 0 10,559
ISHARES TR MSCI USA MMENTM 46432F396   7,452,111 31,009 SH   SOLE   0 0 31,009
ISHARES TR MSCI USA QLT FCT 46432F339   29,610,123 161,963 SH   SOLE   0 0 161,963
ISHARES TR NATIONAL MUN ETF 464288414   6,157,819 58,938 SH   SOLE   0 0 58,938
ISHARES TR RUS 1000 ETF 464287622   303,250 893 SH   SOLE   0 0 893
ISHARES TR RUS 1000 GRW ETF 464287614   1,168,397 2,752 SH   SOLE   0 0 2,752
ISHARES TR RUS 1000 VAL ETF 464287598   400,888 2,064 SH   SOLE   0 0 2,064
ISHARES TR RUS 2000 GRW ETF 464287648   476,568 1,667 SH   SOLE   0 0 1,667
ISHARES TR RUS MD CP GR ETF 464287481   392,782 2,832 SH   SOLE   0 0 2,832
ISHARES TR S&P 100 ETF 464287101   12,706,739 41,750 SH   SOLE   0 0 41,750
ISHARES TR S&P 500 GRWT ETF 464287309   27,750,061 252,044 SH   SOLE   0 0 252,044
ISHARES TR S&P 500 VAL ETF 464287408   22,081,737 112,996 SH   SOLE   0 0 112,996
ISHARES TR S&P MC 400GR ETF 464287606   291,136 3,200 SH   SOLE   0 0 3,200
ISHARES TR SELECT DIVID ETF 464287168   1,464,285 11,025 SH   SOLE   0 0 11,025
ISHARES TR SHRT NAT MUN ETF 464288158   360,201 3,387 SH   SOLE   0 0 3,387
ISHARES TR U.S. TECH ETF 464287721   10,211,058 58,931 SH   SOLE   0 0 58,931
ISHARES TR US TREAS BD ETF 46429B267   1,468,334 63,896 SH   SOLE   0 0 63,896
J P MORGAN EXCHANGE TRADED F ACTIVE BOND ETF 46654Q716   208,755 3,895 SH   SOLE   0 0 3,895
JOHN HANCOCK EXCHANGE TRADED MORTGAGE BACKED 47804J792   208,347 9,528 SH   SOLE   0 0 9,528
JOHNSON & JOHNSON COM 478160104   269,305 1,763 SH   SOLE   0 0 1,763
JPMORGAN CHASE & CO. COM 46625H100   2,011,933 6,940 SH   SOLE   0 0 6,940
LAKELAND INDS INC COM 511795106   464,088 34,099 SH   SOLE   0 0 34,099
LOCKHEED MARTIN CORP COM 539830109   409,331 884 SH   SOLE   0 0 884
MERCK & CO INC COM 58933Y105   274,433 3,467 SH   SOLE   0 0 3,467
META PLATFORMS INC CL A 30303M102   328,921 446 SH   SOLE   0 0 446
MICROSOFT CORP COM 594918104   3,655,177 7,348 SH   SOLE   0 0 7,348
NVIDIA CORPORATION COM 67066G104   2,974,742 18,829 SH   SOLE   0 0 18,829
ORACLE CORP COM 68389X105   781,543 3,575 SH   SOLE   0 0 3,575
PALANTIR TECHNOLOGIES INC CL A 69608A108   521,413 3,825 SH   SOLE   0 0 3,825
PAYCHEX INC COM 704326107   827,145 5,686 SH   SOLE   0 0 5,686
PROCTER AND GAMBLE CO COM 742718109   262,716 1,649 SH   SOLE   0 0 1,649
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   298,357 3,544 SH   SOLE   0 0 3,544
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   306,499 7,659 SH   SOLE   0 0 7,659
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   382,674 7,307 SH   SOLE   0 0 7,307
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   204,207 1,515 SH   SOLE   0 0 1,515
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   388,202 4,754 SH   SOLE   0 0 4,754
SPDR GOLD TR GOLD SHS 78463V107   353,688 1,160 SH   SOLE   0 0 1,160
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,605,661 5,836 SH   SOLE   0 0 5,836
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,133,836 2,002 SH   SOLE   0 0 2,002
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   368,029 5,063 SH   SOLE   0 0 5,063
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853   203,585 4,779 SH   SOLE   0 0 4,779
SPDR SERIES TRUST S&P DIVID ETF 78464A763   1,904,954 14,035 SH   SOLE   0 0 14,035
SRH TOTAL RETURN FUND INC COM 101507101   229,740 12,994 SH   SOLE   0 0 12,994
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   905,960 4,000 SH   SOLE   0 0 4,000
TESLA INC COM 88160R101   384,369 1,210 SH   SOLE   0 0 1,210
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   204,035 732 SH   SOLE   0 0 732
VANGUARD INDEX FDS GROWTH ETF 922908736   481,240 1,098 SH   SOLE   0 0 1,098
VANGUARD INDEX FDS LARGE CAP ETF 922908637   314,115 1,101 SH   SOLE   0 0 1,101
VANGUARD INDEX FDS MID CAP ETF 922908629   224,239 801 SH   SOLE   0 0 801
VANGUARD INDEX FDS VALUE ETF 922908744   200,091 1,132 SH   SOLE   0 0 1,132
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   6,928,671 141,315 SH   SOLE   0 0 141,315
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   355,102 1,735 SH   SOLE   0 0 1,735
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   234,593 1,760 SH   SOLE   0 0 1,760
VANGUARD WORLD FD INF TECH ETF 92204A702   636,749 960 SH   SOLE   0 0 960
VISA INC COM CL A 92826C839   2,250,052 6,337 SH   SOLE   0 0 6,337
WALMART INC COM 931142103   696,010 7,118 SH   SOLE   0 0 7,118
WEC ENERGY GROUP INC COM 92939U106   208,336 1,999 SH   SOLE   0 0 1,999