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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 996,643 11,296 SH   SOLE   0 0 11,296
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 490,056 5,523 SH   SOLE   0 0 5,523
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,415,820 16,855 SH   SOLE   0 0 16,855
APPLE INC COM 037833100 BBG001S5N8V8 1,964,872 15,122 SH   SOLE   0 0 15,122
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 786,045 23,733 SH   SOLE   0 0 23,733
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 653,943 2,117 SH   SOLE   0 0 2,117
CARPENTER TECHNOLOGY CORP COM 144285103 BBG001S5Q5M1 451,372 12,219 SH   SOLE   0 0 12,219
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,242,433 6,922 SH   SOLE   0 0 6,922
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 598,496 5,072 SH   SOLE   0 0 5,072
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 738,828 3,188 SH   SOLE   0 0 3,188
DISNEY WALT CO COM 254687106 BBG001S5QHF3 737,176 8,485 SH   SOLE   0 0 8,485
EASTMAN CHEM CO COM 277432100 BBG001S7JNP3 604,042 7,417 SH   SOLE   0 0 7,417
GENERAL MTRS CO COM 37045V100 BBG001SM1DK6 442,671 13,159 SH   SOLE   0 0 13,159
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 1,189,797 5,552 SH   SOLE   0 0 5,552
ICON PLC SHS G4705A100 BBG001SDCL35 829,264 4,269 SH   SOLE   0 0 4,269
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 353,496 5,532 SH   SOLE   0 0 5,532
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 BBG00KJR0YJ0 7,710,931 367,539 SH   SOLE   0 0 367,539
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 MUNI 46138J544 BBG00Q8H4Z40 374,738 14,909 SH   SOLE   0 0 14,909
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 7,750,374 384,822 SH   SOLE   0 0 384,822
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528 BBG00Q9CYMM6 247,116 10,161 SH   SOLE   0 0 10,161
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 BBG00KJR2K35 14,306,302 755,948 SH   SOLE   0 0 755,948
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 BBG00Q8HN8N8 249,349 10,606 SH   SOLE   0 0 10,606
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 BBG00KJR2L24 5,824,174 306,618 SH   SOLE   0 0 306,618
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494 BBG00Q9CYYY7 246,415 10,477 SH   SOLE   0 0 10,477
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 BBG00LNJW5P2 14,574,989 743,053 SH   SOLE   0 0 743,053
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 307,286 1,154 SH   SOLE   0 0 1,154
ISHARES TR IBONDS 27 ETF 46435UAA9 BBG00HPLJP02 4,452,039 190,502 SH   SOLE   0 0 190,502
ISHARES TR IBONDS DEC2023 46435G318 BBG00GF7ZJL9 677,352 26,720 SH   SOLE   0 0 26,720
ISHARES TR IBONDS DEC2026 46435GAA0 BBG00DST7FD2 923,826 39,564 SH   SOLE   0 0 39,564
ISHARES TR IBONDS DEC23 ETF 46434VAX8 BBG0088JLVM6 8,257,963 329,923 SH   SOLE   0 0 329,923
ISHARES TR IBONDS DEC25 ETF 46434VBD1 BBG0088JX9H8 6,677,582 274,573 SH   SOLE   0 0 274,573
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 245,969 2,333 SH   SOLE   0 0 2,333
ISHARES TR MSCI ACWI EX US 464288240 BBG001S56R18 19,037,284 418,398 SH   SOLE   0 0 418,398
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 2,304,095 35,102 SH   SOLE   0 0 35,102
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 48,841,728 221,324 SH   SOLE   0 0 221,324
JACOBS SOLUTIONS INC COM 46982L108 BBG019C1BQS3 697,131 5,806 SH   SOLE   0 0 5,806
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,073,339 8,004 SH   SOLE   0 0 8,004
MCDONALDS CORP COM 580135101 BBG001S5T110 696,508 2,643 SH   SOLE   0 0 2,643
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 570,776 7,344 SH   SOLE   0 0 7,344
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,143,895 10,310 SH   SOLE   0 0 10,310
META MATERIALS INC COM 59134N104 BBG001T3WTK8 93,610 78,664 SH   SOLE   0 0 78,664
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,146,718 9,529 SH   SOLE   0 0 9,529
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,371,900 5,721 SH   SOLE   0 0 5,721
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 1,092,847 12,854 SH   SOLE   0 0 12,854
NETFLIX INC COM 64110L106 BBG001SF6L46 398,089 1,350 SH   SOLE   0 0 1,350
NICE LTD SPONSORED ADR 653656108 BBG001S9RK49 680,941 3,541 SH   SOLE   0 0 3,541
PIONEER NAT RES CO COM 723787107 BBG001S7V1J4 764,883 3,349 SH   SOLE   0 0 3,349
PROSHARES TR SHORT QQQ NEW 74347B714 BBG001SR6H58 242,880 16,500 SH   SOLE   0 0 16,500
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 908,480 7,043 SH   SOLE   0 0 7,043
SALESFORCE INC COM 79466L302 BBG001SDLP09 760,404 5,735 SH   SOLE   0 0 5,735
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 376,532 12,682 SH   SOLE   0 0 12,682
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 50,527,181 132,124 SH   SOLE   0 0 132,124
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 36,639,283 400,562 SH   SOLE   0 0 400,562
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 722,637 15,281 SH   SOLE   0 0 15,281
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 716,980 15,940 SH   SOLE   0 0 15,940
TESLA INC COM 88160R101 BBG001SQKGD7 1,139,908 9,254 SH   SOLE   0 0 9,254
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,372,105 2,588 SH   SOLE   0 0 2,588
USIO INC COM 917313108 BBG001S8CPZ2 120,122 72,801 SH   SOLE   0 0 72,801
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 12,531,950 65,547 SH   SOLE   0 0 65,547
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 BBG001TCHM11 1,008,965 5,790 SH   SOLE   0 0 5,790
VISA INC COM CL A 92826C839 BBG001SRCFY3 1,056,452 5,085 SH   SOLE   0 0 5,085
WALMART INC COM 931142103 BBG001S5XH92 1,164,803 8,215 SH   SOLE   0 0 8,215
ZSCALER INC COM 98980G102 BBG003338H61 254,131 2,271 SH   SOLE   0 0 2,271