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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
VANGUARD INDEX FDS TOTAL STOCK MARKET ETF 922908769   74,406,602 313,661 SH   SOLE   313,661 0 0
VANGUARD STAR FDS VG TL INTL STK ETF 921909768   39,186,623 676,098 SH   SOLE   676,098 0 0
VANGUARD TOTAL BOND MKT ETF 921937835   18,979,511 258,049 SH   SOLE   258,049 0 0
INVESCO QQQ TR UNIT ETF 46090E103   16,424,441 40,107 SH   SOLE   40,107 0 0
VANGUARD INDEX FDS SMALL ETF 922908751   14,931,032 69,990 SH   SOLE   69,990 0 0
SDPR HIGH YIELD BOND ETF 78468R408   12,771,888 546,274 SH   SOLE   546,274 0 0
JPMRG DIV RTN EM EQT ETF 46641Q308   8,950,375 171,168 SH   SOLE   171,168 0 0
BERKSHIRE HATHAWAY INC DEL CL B 084670702   7,525,169 21,099 SH   SOLE   21,099 0 0
ISHARES US FINANCIAL SER ETF 464287770   7,385,244 41,210 SH   SOLE   41,210 0 0
INVESCO SENIOR LOAN ETF 46138G508   4,825,285 227,823 SH   SOLE   227,823 0 0
MICROSOFT CORP COM 594918104   4,811,416 12,795 SH   SOLE   12,795 0 0
SDPR SHR TR HG YLD BD ETF 78468R408   4,548,279 180,918 SH   SOLE   180,918 0 0
APPLE INC COM 037833100   3,983,007 20,688 SH   SOLE   20,688 0 0
UBER TECHNOLOGIES COM 90353T100   3,684,534 59,843 SH   SOLE   59,843 0 0
BOEING CO COM 097023105   3,440,973 13,201 SH   SOLE   13,201 0 0
EATON VANCE TAX-MANAGED GLOB ETF 27829C105   3,368,733 436,364 SH   SOLE   436,364 0 0
CHARLES SCHWAB CORP COM 808513402   3,336,238 48,492 SH   SOLE   48,492 0 0
SDPR S&P REGIONAL BANKING ETF 78464A698   3,259,888 62,176 SH   SOLE   62,176 0 0
AMAZON INC COM 023135106   3,179,041 20,923 SH   SOLE   20,923 0 0
CROWN CASTLE INTL CORP COM 22822V101   2,746,007 23,839 SH   SOLE   23,839 0 0
PGIM ULRA SHORT BOND ETF 69344A107   2,432,843 49,258 SH   SOLE   49,258 0 0
JOHNSON & JOHNSON COM 478160104   1,920,942 12,256 SH   SOLE   12,256 0 0
INVESCO CURENCYSHARES CDN DLR SHS 46138T104   1,146,987 15,525 SH   SOLE   15,525 0 0
CONOCOPHILLIPS INC COM 20825C104   960,247 8,273 SH   SOLE   8,273 0 0
ALPHABET INC CL C 02079K107   927,319 6,580 SH   SOLE   6,580 0 0
KENVUE INC COM 49177JAA0   887,316 41,213 SH   SOLE   41,213 0 0
PHILLIPS 66 COM 718546104   550,667 4,136 SH   SOLE   4,136 0 0
SPDR GOLD SHARES ETF 78463V107   487,101 2,548 SH   SOLE   2,548 0 0
CATERPILLAR INC COM 149123101   455,332 1,540 SH   SOLE   1,540 0 0
HANCOCK JOHN PFD INC ETF 41012W108   436,487 27,661 SH   SOLE   27,661 0 0
ALPHABET INC CL A 02079K305   430,245 3,090 SH   SOLE   3,090 0 0
VANGUARD SHORT TERM BOND ETF 921937827   429,626 5,578 SH   SOLE   5,578 0 0
THE COCA-COLA CO COM 191216100   329,938 5,599 SH   SOLE   5,599 0 0
CALAMOS CONVERTIBLE OPPO ETF 128117108   296,581 28,628 SH   SOLE   28,628 0 0
META PLATFORMS INC COM 30303M102   252,727 714 SH   SOLE   714 0 0