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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 500 4,600 SH   SOLE 0 0 0 4,600
ALLIANCEBERNSTEIN NATL MUN I COM 01864U106 146 12,613 SH   SOLE 0 0 0 12,613
ALPHABET INC CAP STK CL A 02079K305 959 440 SH   SOLE 0 0 0 440
AMERICAN AIRLS GROUP INC COM 02376R102 196 15,430 SH   SOLE 0 0 0 15,430
APPLE INC COM 037833100 876 6,405 SH   SOLE 0 0 0 6,405
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 3,802 109,243 SH   SOLE 0 0 0 109,243
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 732 2,682 SH   SOLE 0 0 0 2,682
BK OF AMERICA CORP COM 060505104 229 7,358 SH   SOLE 0 0 0 7,358
BLACKROCK MUN INCOME TR SH BEN INT 09248F109 566 52,778 SH   SOLE 0 0 0 52,778
BLACKROCK MUNI INCOME TR II COM 09249N101 1,503 136,008 SH   SOLE 0 0 0 136,008
BLACKROCK MUNIYILD QULT FD I COM 09254F100 254 20,046 SH   SOLE 0 0 0 20,046
BNY MELLON STRATEGIC MUN BD COM 09662E109 165 26,534 SH   SOLE 0 0 0 26,534
BNY MELLON STRATEGIC MUNS IN COM 05588W108 424 64,506 SH   SOLE 0 0 0 64,506
CHEVRON CORP NEW COM 166764100 1,117 7,717 SH   SOLE 0 0 0 7,717
CONOCOPHILLIPS COM 20825C104 489 5,450 SH   SOLE 0 0 0 5,450
DANAHER CORPORATION COM 235851102 317 1,250 SH   SOLE 0 0 0 1,250
DARDEN RESTAURANTS INC COM 237194105 332 2,937 SH   SOLE 0 0 0 2,937
DISNEY WALT CO COM 254687106 352 3,732 SH   SOLE 0 0 0 3,732
DWS MUN INCOME TR COM 233368109 178 18,977 SH   SOLE 0 0 0 18,977
DWS STRATEGIC MUN INCOME TR COM 23342Q101 735 80,566 SH   SOLE 0 0 0 80,566
EASTMAN CHEM CO COM 277432100 207 2,301 SH   SOLE 0 0 0 2,301
EATON VANCE NEW YORK MUN BD COM 27827Y109 278 29,903 SH   SOLE 0 0 0 29,903
EOG RES INC COM 26875P101 1,159 10,490 SH   SOLE 0 0 0 10,490
EXXON MOBIL CORP COM 30231G102 1,180 13,781 SH   SOLE 0 0 0 13,781
FEDERATED HERMES PREM MUNI I COM 31423P108 1,433 129,532 SH   SOLE 0 0 0 129,532
GOLDMAN SACHS GROUP INC COM 38141G104 327 1,102 SH   SOLE 0 0 0 1,102
INVESCO MUNICIPAL TRUST COM 46131J103 377 37,154 SH   SOLE 0 0 0 37,154
INVESCO QUALITY MUN INCOME T COM 46133G107 115 11,218 SH   SOLE 0 0 0 11,218
ISHARES GOLD TR ISHARES NEW 464285204 4,616 134,549 SH   SOLE 0 0 0 134,549
ISHARES INC MSCI GBL MIN VOL 464286525 13,074 138,346 SH   SOLE 0 0 0 138,346
ISHARES INC MSCI GBL ETF NEW 46434G848 4,502 126,383 SH   SOLE 0 0 0 126,383
ISHARES INC CORE MSCI EMKT 46434G103 12,005 244,706 SH   SOLE 0 0 0 244,706
ISHARES TR CORE MSCI EAFE 46432F842 2,055 34,927 SH   SOLE 0 0 0 34,927
ISHARES TR MSCI EAFE MIN VL 46429B689 272 4,300 SH   SOLE 0 0 0 4,300
ISHARES TR ISHS 5-10YR INVT 464288638 3,332 65,260 SH   SOLE 0 0 0 65,260
ISHARES TR NEW YORK MUN ETF 464288323 258 4,909 SH   SOLE 0 0 0 4,909
ISHARES TR MSCI USA QLT FCT 46432F339 1,081 9,672 SH   SOLE 0 0 0 9,672
ISHARES TR 0-5YR HI YL CP 46434V407 317 7,816 SH   SOLE 0 0 0 7,816
ISHARES TR MSCI INTL MOMENT 46434V449 1,315 43,925 SH   SOLE 0 0 0 43,925
ISHARES TR MSCI INTL QUALTY 46434V456 6,423 207,648 SH   SOLE 0 0 0 207,648
ISHARES TR CORE INTL AGGR 46435G672 3,468 69,631 SH   SOLE 0 0 0 69,631
ISHARES TR INTL DIV GRWTH 46435G524 1,646 28,718 SH   SOLE 0 0 0 28,718
ISHARES TR CORE S&P TTL STK 464287150 3,589 42,833 SH   SOLE 0 0 0 42,833
ISHARES TR IBOXX INV CP ETF 464287242 326 2,966 SH   SOLE 0 0 0 2,966
ISHARES TR CORE US AGGBD ET 464287226 2,174 21,384 SH   SOLE 0 0 0 21,384
ISHARES TR S&P SML 600 GWT 464287887 242 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE S&P500 ETF 464287200 2,260 5,960 SH   SOLE 0 0 0 5,960
ISHARES TR RUS 1000 GRW ETF 464287614 739 3,379 SH   SOLE 0 0 0 3,379
ISHARES TR CORE S&P US GWT 464287671 3,208 38,331 SH   SOLE 0 0 0 38,331
JOHNSON & JOHNSON COM 478160104 391 2,200 SH   SOLE 0 0 0 2,200
JPMORGAN CHASE & CO COM 46625H100 336 2,987 SH   SOLE 0 0 0 2,987
MCDONALDS CORP COM 580135101 606 2,454 SH   SOLE 0 0 0 2,454
MFS HIGH INCOME MUN TR SH BEN INT 59318D104 430 114,327 SH   SOLE 0 0 0 114,327
MFS HIGH YIELD MUN TR SH BEN INT 59318E102 738 219,497 SH   SOLE 0 0 0 219,497
MFS INVT GRADE MUN TR SH BEN INT 59318B108 581 76,681 SH   SOLE 0 0 0 76,681
MFS MUN INCOME TR SH BEN INT 552738106 107 19,715 SH   SOLE 0 0 0 19,715
MICROSOFT CORP COM 594918104 982 3,825 SH   SOLE 0 0 0 3,825
NEUBERGER BERMAN MUN FD INC COM 64124P101 997 89,119 SH   SOLE 0 0 0 89,119
NUVEEN AMT FREE MUN CR INC F COM 67071L106 383 29,197 SH   SOLE 0 0 0 29,197
NUVEEN AMT FREE QLTY MUN INC COM 670657105 180 15,287 SH   SOLE 0 0 0 15,287
NUVEEN DYNAMIC MUN OPPORTUNI COM SHS 67079X102 274 24,618 SH   SOLE 0 0 0 24,618
NUVEEN MUN INCOME FD INC COM 67062J102 104 11,284 SH   SOLE 0 0 0 11,284
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101 1,257 100,053 SH   SOLE 0 0 0 100,053
PEPSICO INC COM 713448108 423 2,540 SH   SOLE 0 0 0 2,540
PIMCO NEW YORK MUN INCOME FD COM 72201E105 79 10,125 SH   SOLE 0 0 0 10,125
PIONEER MUN HIGH INCOME OPPO COMMON STOCK 723760104 409 33,741 SH   SOLE 0 0 0 33,741
PIONEER MUNICIPAL HIGH INCOM COM 723762100 707 81,017 SH   SOLE 0 0 0 81,017
PIONEER MUNICIPAL HIGH INCOM COM SHS 723763108 1,184 127,542 SH   SOLE 0 0 0 127,542
PIONEER NAT RES CO COM 723787107 398 1,784 SH   SOLE 0 0 0 1,784
PROSHARES TR BITCOIN STRATE 74347G440 409 35,202 SH   SOLE 0 0 0 35,202
QUALCOMM INC COM 747525103 337 2,636 SH   SOLE 0 0 0 2,636
RIVERNORTH FLEXIBLE MUNI INC COM 76883Y107 169 11,591 SH   SOLE 0 0 0 11,591
SABINE RTY TR UNIT BEN INT 785688102 213 3,490 SH   SOLE 0 0 0 3,490
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 12,134 209,240 SH   SOLE 0 0 0 209,240
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 14,820 237,418 SH   SOLE 0 0 0 237,418
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,433 55,275 SH   SOLE 0 0 0 55,275
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 9,918 350,335 SH   SOLE 0 0 0 350,335
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 291 5,720 SH   SOLE 0 0 0 5,720
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 611 4,807 SH   SOLE 0 0 0 4,807
SOUTHWEST AIRLS CO COM 844741108 249 6,903 SH   SOLE 0 0 0 6,903
SPDR SER TR PRTFLO S&P500 VL 78464A508 20,742 563,340 SH   SOLE 0 0 0 563,340
SPDR SER TR S&P 600 SMCP VAL 78464A300 1,376 19,001 SH   SOLE 0 0 0 19,001
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,560 22,124 SH   SOLE 0 0 0 22,124
SPDR SER TR PRTFLO S&P500 GW 78464A409 31,024 593,421 SH   SOLE 0 0 0 593,421
SPDR SER TR NUVEEN BLMBRG SH 78468R739 12,347 261,247 SH   SOLE 0 0 0 261,247
TEXAS INSTRS INC COM 882508104 246 1,600 SH   SOLE 0 0 0 1,600
UDR INC COM 902653104 463 10,050 SH   SOLE 0 0 0 10,050
UNION PAC CORP COM 907818108 555 2,600 SH   SOLE 0 0 0 2,600
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 9,484 207,674 SH   SOLE 0 0 0 207,674
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 1,533 8,476 SH   SOLE 0 0 0 8,476
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,715 11,139 SH   SOLE 0 0 0 11,139
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 9,405 122,480 SH   SOLE 0 0 0 122,480
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,252 15,709 SH   SOLE 0 0 0 15,709
VANGUARD INDEX FDS VALUE ETF 922908744 8,724 66,152 SH   SOLE 0 0 0 66,152
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,902 26,042 SH   SOLE 0 0 0 26,042
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,379 17,150 SH   SOLE 0 0 0 17,150
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,504 132,146 SH   SOLE 0 0 0 132,146
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,484 17,386 SH   SOLE 0 0 0 17,386
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 74,283 1,488,047 SH   SOLE 0 0 0 1,488,047
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,897 112,772 SH   SOLE 0 0 0 112,772
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,325 21,609 SH   SOLE 0 0 0 21,609
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 24,246 412,212 SH   SOLE 0 0 0 412,212
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 11,206 163,336 SH   SOLE 0 0 0 163,336
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 716 7,039 SH   SOLE 0 0 0 7,039
VISA INC COM CL A 92826C839 662 3,364 SH   SOLE 0 0 0 3,364
WESTERN ASSET MANAGED MUNS F COM 95766M105 341 32,302 SH   SOLE 0 0 0 32,302