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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
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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
ISHARES TR CORE S&P500 ETF 464287200   27,516,929 52,340 SH   SOLE   0 0 52,340
AMAZON COM INC COM 023135106   1,104,647 6,124 SH   SOLE   0 0 6,124
INVESCO QQQ TR UNIT SER 1 46090E103   522,165 1,176 SH   SOLE   0 0 1,176
INTEL CORP COM 458140100   204,600 4,632 SH   SOLE   0 0 4,632
MICROSOFT CORP COM 594918104   542,621 1,290 SH   SOLE   0 0 1,290
UNITED PARCEL SERVICE INC CL B 911312106   2,020,476 13,594 SH   SOLE   0 0 13,594
CITIGROUP INC COM NEW 172967424   216,534 3,424 SH   SOLE   0 0 3,424
PPG INDS INC COM 693506107   1,835,014 12,664 SH   SOLE   0 0 12,664
SPDR SER TR S&P 600 SMCP VAL 78464A300   4,456,817 53,716 SH   SOLE   0 0 53,716
SPDR SER TR S&P 600 SMCP GRW 78464A201   4,330,272 49,642 SH   SOLE   0 0 49,642
SPDR SER TR PRTFLO S&P500 GW 78464A409   6,069,621 82,975 SH   SOLE   0 0 82,975
SPDR SER TR PORTFOLI S&P1500 78464A805   974,503 15,191 SH   SOLE   0 0 15,191
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,113,263 28,001 SH   SOLE   0 0 28,001
EXXON MOBIL CORP COM 30231G102   298,621 2,569 SH   SOLE   0 0 2,569
ELI LILLY & CO COM 532457108   213,939 275 SH   SOLE   0 0 275
PROCTER AND GAMBLE CO COM 742718109   336,831 2,076 SH   SOLE   0 0 2,076
JPMORGAN CHASE & CO COM 46625H100   356,372 1,779 SH   SOLE   0 0 1,779
INTUIT COM 461202103   1,061,475 1,633 SH   SOLE   0 0 1,633
MARSH & MCLENNAN COS INC COM 571748102   652,538 3,168 SH   SOLE   0 0 3,168
BARRICK GOLD CORP COM 067901108   169,345 10,177 SH   SOLE   0 0 10,177
APPLE INC COM 037833100   2,606,205 15,198 SH   SOLE   0 0 15,198
SPDR SER TR PRTFLO S&P500 VL 78464A508   6,606,487 131,866 SH   SOLE   0 0 131,866
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,239,906 101,506 SH   SOLE   0 0 101,506
NORTHROP GRUMMAN CORP COM 666807102   306,821 641 SH   SOLE   0 0 641
NETFLIX INC COM 64110L106   368,649 607 SH   SOLE   0 0 607
VANGUARD INDEX FDS VALUE ETF 922908744   327,511 2,011 SH   SOLE   0 0 2,011
VANGUARD INDEX FDS MID CAP ETF 922908629   7,891,581 31,584 SH   SOLE   0 0 31,584
VANGUARD INDEX FDS SM CP VAL ETF 922908611   924,531 4,818 SH   SOLE   0 0 4,818
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,201,453 48,583 SH   SOLE   0 0 48,583
VANGUARD INDEX FDS SMALL CP ETF 922908751   8,049,340 35,213 SH   SOLE   0 0 35,213
VANGUARD INDEX FDS GROWTH ETF 922908736   688,919 2,002 SH   SOLE   0 0 2,002
VANGUARD INDEX FDS SML CP GRW ETF 922908595   873,016 3,348 SH   SOLE   0 0 3,348
ISHARES TR EAFE VALUE ETF 464288877   5,355,789 98,452 SH   SOLE   0 0 98,452
ISHARES TR EAFE GRWTH ETF 464288885   5,050,318 48,659 SH   SOLE   0 0 48,659
SPDR SER TR S&P 400 MDCP VAL 78464A839   4,824,784 63,484 SH   SOLE   0 0 63,484
VANGUARD INDEX FDS LARGE CAP ETF 922908637   212,801 888 SH   SOLE   0 0 888
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,117,607 4,740 SH   SOLE   0 0 4,740
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   478,584 3,070 SH   SOLE   0 0 3,070
SPDR SER TR S&P 400 MDCP GRW 78464A821   4,668,706 53,485 SH   SOLE   0 0 53,485
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   289,496 4,936 SH   SOLE   0 0 4,936
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,565,581 20,420 SH   SOLE   0 0 20,420
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,009,289 39,911 SH   SOLE   0 0 39,911
SPDR SER TR PORTFOLIO S&P400 78464A847   36,347,379 681,428 SH   SOLE   0 0 681,428
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   16,847,206 465,521 SH   SOLE   0 0 465,521
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   9,057,616 180,538 SH   SOLE   0 0 180,538
ISHARES TR NATIONAL MUN ETF 464288414   2,957,924 27,490 SH   SOLE   0 0 27,490
PHILIP MORRIS INTL INC COM 718172109   282,556 3,084 SH   SOLE   0 0 3,084
SPDR SER TR PORTFLI INTRMDIT 78464A672   952,653 33,806 SH   SOLE   0 0 33,806
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   32,752,433 913,851 SH   SOLE   0 0 913,851
SPDR SER TR PORTFOLIO AGRGTE 78464A649   23,055,594 912,009 SH   SOLE   0 0 912,009
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   239,302 2,166 SH   SOLE   0 0 2,166
ISHARES TR SHRT NAT MUN ETF 464288158   441,332 4,214 SH   SOLE   0 0 4,214
TESLA INC COM 88160R101   238,020 1,354 SH   SOLE   0 0 1,354
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,184,684 10,786 SH   SOLE   0 0 10,786
ISHARES TR FLTG RATE NT ETF 46429B655   2,399,422 46,992 SH   SOLE   0 0 46,992
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   17,348,826 215,166 SH   SOLE   0 0 215,166
META PLATFORMS INC CL A 30303M102   329,480 679 SH   SOLE   0 0 679
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,127,780 63,586 SH   SOLE   0 0 63,586
SPDR SER TR PORTFOLIO S&P600 78468R853   34,489,049 801,325 SH   SOLE   0 0 801,325
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   18,133,442 458,726 SH   SOLE   0 0 458,726
ISHARES TR INVESTMENT GRADE 46435G219   21,256,641 473,950 SH   SOLE   0 0 473,950
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   27,977,015 506,555 SH   SOLE   0 0 506,555
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   240,003 4,148 SH   SOLE   0 0 4,148