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
3M CO COM 88579Y101   121,792 800 SH   SOLE   800 0 0
ABBOTT LABS COM 002824100   366,534 2,707 SH   SOLE   2,707 0 0
ABBVIE INC COM 00287Y109   228,198 1,240 SH   SOLE   1,240 0 0
ADOBE INC COM 00724F101   27,468 71 SH   SOLE   71 0 0
ADVANCED MICRO DEVICES INC COM 007903107   19,157 135 SH   SOLE   135 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   30,054 265 SH   SOLE   265 0 0
ALPHABET INC CAP STK CL A 02079K305   410,968 2,332 SH   SOLE   2,332 0 0
ALPHABET INC CAP STK CL C 02079K107   611,463 3,447 SH   SOLE   3,447 0 0
ALTRIA GROUP INC COM 02209S103   123,123 2,100 SH   SOLE   2,100 0 0
AMAZON COM INC COM 023135106   2,638,823 12,028 SH   SOLE   12,028 0 0
AMEREN CORP COM 023608102   6,147 64 SH   SOLE   64 0 0
AMERICAN ELEC PWR CO INC COM 025537101   137,171 1,322 SH   SOLE   1,322 0 0
AMPHENOL CORP NEW CL A 032095101   21,725 220 SH   SOLE   220 0 0
ANALOG DEVICES INC COM 032654105   16,661 70 SH   SOLE   70 0 0
APPLE INC COM 037833100   977,020 4,762 SH   SOLE   4,762 0 0
APPLIED MATLS INC COM 038222105   5,126 28 SH   SOLE   28 0 0
APPLOVIN CORP COM CL A 03831W108   26,256 75 SH   SOLE   75 0 0
GALLAGHER ARTHUR J & CO COM 363576109   93,155 291 SH   SOLE   291 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   132,772 1,900 SH   SOLE   1,900 0 0
AT&T INC COM 00206R102   50,002 1,745 SH   SOLE   1,745 0 0
AUTODESK INC COM 052769106   118,565 383 SH   SOLE   383 0 0
AUTOZONE INC COM 053332102   7,424 2 SH   SOLE   2 0 0
BAKER HUGHES COMPANY CL A 05722G100   36,346 953 SH   SOLE   953 0 0
BANK AMERICA CORP COM 060505104   209,438 4,426 SH   SOLE   4,426 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   52,949 109 SH   SOLE   109 0 0
BLACKSTONE INC COM 09260D107   297,352 2,000 SH   SOLE   2,000 0 0
BOOKING HOLDINGS INC COM 09857L108   272,094 47 SH   SOLE   47 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   4,998 48 SH   SOLE   48 0 0
BRIGHT HORIZONS FAM SOL IN D COM 109194100   494 4 SH   SOLE   4 0 0
BROADCOM INC COM 11135F101   153,261 556 SH   SOLE   556 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   64,948 890 SH   SOLE   890 0 0
CATERPILLAR INC COM 149123101   483,491 1,250 SH   SOLE   1,250 0 0
CENCORA INC COM 03073E105   900 3 SH   SOLE   3 0 0
SCHWAB CHARLES CORP COM 808513105   21,441 235 SH   SOLE   235 0 0
CHEVRON CORP NEW COM 166764100   44,389 310 SH   SOLE   310 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   18,136 323 SH   SOLE   323 0 0
THE CIGNA GROUP COM 125523100   79,339 240 SH   SOLE   240 0 0
CISCO SYS INC COM 17275R102   34,483 500 SH   SOLE   500 0 0
CITIGROUP INC COM NEW 172967424   118,389 1,400 SH   SOLE   1,400 0 0
COCA COLA CO COM 191216100   256,257 3,622 SH   SOLE   3,622 0 0
COINBASE GLOBAL INC COM CL A 19260Q107   107,951 308 SH   SOLE   308 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   86,933 801 SH   SOLE   801 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   323,880 4,000 SH   SOLE   4,000 0 0
COPART INC COM 217204106   1,521 31 SH   SOLE   31 0 0
CORNING INC COM 219350105   18,144 345 SH   SOLE   345 0 0
CORTEVA INC COM 22052L104   8,720 117 SH   SOLE   117 0 0
COSTCO WHSL CORP NEW COM 22160K105   30,646 31 SH   SOLE   31 0 0
CSX CORP COM 126408103   10,866 333 SH   SOLE   333 0 0
CVS HEALTH CORP COM 126650100   77,789 1,140 SH   SOLE   1,140 0 0
DANAHER CORPORATION COM 235851102   21,729 110 SH   SOLE   110 0 0
DEERE & CO COM 244199105   45,764 90 SH   SOLE   90 0 0
DIGITAL RLTY TR INC COM 253868103   7,322 42 SH   SOLE   42 0 0
DOLLAR TREE INC COM 256746108   7,329 74 SH   SOLE   74 0 0
EBAY INC. COM 278642103   12,286 165 SH   SOLE   165 0 0
ECOLAB INC COM 278865100   23,441 87 SH   SOLE   87 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   101,673 1,300 SH   SOLE   1,300 0 0
ELECTRONIC ARTS INC COM 285512109   246,257 1,542 SH   SOLE   1,542 0 0
ELI LILLY & CO COM 532457108   125,504 161 SH   SOLE   161 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   340,767 4,018 SH   SOLE   4,018 0 0
EOG RES INC COM 26875P101   12,575 106 SH   SOLE   106 0 0
EXXON MOBIL CORP COM 30231G102   82,467 765 SH   SOLE   765 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   382,301 7,300 SH   SOLE   7,300 0 0
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   32,843 270 SH   SOLE   270 0 0
FIRST TR EXCH TRADED FD III INSTL PFD SECS 33739P855   453,578 24,000 SH   SOLE   24,000 0 0
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103   4,260,810 64,285 SH   SOLE   64,285 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   2,734,938 36,186 SH   SOLE   36,186 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   149,240 3,270 SH   SOLE   3,270 0 0
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102   4,478,408 126,939 SH   SOLE   126,939 0 0
FISERV INC COM 337738108   9,138 53 SH   SOLE   53 0 0
FORTINET INC COM 34959E109   45,037 426 SH   SOLE   426 0 0
FUTU HLDGS LTD SPON ADS CL A 36118L106   27,808 225 SH   SOLE   225 0 0
GE VERNOVA INC COM 36828A101   16,925 32 SH   SOLE   32 0 0
GEN DIGITAL INC COM 668771108   588 20 SH   SOLE   20 0 0
GLOBAL X FDS RENEWABLE ENERGY 37954Y707   925,272 94,512 SH   SOLE   94,512 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   20,243 620 SH   SOLE   620 0 0
GLOBAL X FDS GLOBAL X URANIUM 37954Y871   16,882 435 SH   SOLE   435 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   50,958 72 SH   SOLE   72 0 0
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109   155,663 1,835 SH   SOLE   1,835 0 0
GRAYSCALE BITCOIN MINI TR ET SHS NEW 389930207   17,429 365 SH   SOLE   365 0 0
HCA HEALTHCARE INC COM 40412C101   1,916 5 SH   SOLE   5 0 0
HERSHEY CO COM 427866108   8,298 50 SH   SOLE   50 0 0
HOME DEPOT INC COM 437076102   31,898 87 SH   SOLE   87 0 0
HONEYWELL INTL INC COM 438516106   217,044 932 SH   SOLE   932 0 0
HUBSPOT INC COM 443573100   5,010 9 SH   SOLE   9 0 0
HUMANA INC COM 444859102   11,002 45 SH   SOLE   45 0 0
HUNTINGTON BANCSHARES INC COM 446150104   34,526 2,060 SH   SOLE   2,060 0 0
HYATT HOTELS CORP COM CL A 448579102   3,771 27 SH   SOLE   27 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   516,320 3,500 SH   SOLE   3,500 0 0
INTEL CORP COM 458140100   29,344 1,310 SH   SOLE   1,310 0 0
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107   31,916 576 SH   SOLE   576 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   61,949 114 SH   SOLE   114 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   341,308 1,878 SH   SOLE   1,878 0 0
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V118   1,210,039 17,575 SH   SOLE   17,575 0 0
INVESCO EXCH TRADED FD TR II GLOBAL WATER 46138E651   513,571 11,497 SH   SOLE   11,497 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   1,396,532 107,096 SH   SOLE   107,096 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   105,546 9,530 SH   SOLE   9,530 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   52,086 2,140 SH   SOLE   2,140 0 0
IQVIA HLDGS INC COM 46266C105   11,189 71 SH   SOLE   71 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   1,923,625 23,366 SH   SOLE   23,366 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   2,746,491 28,863 SH   SOLE   28,863 0 0
ISHARES TR MSCI GBL SUS DEV 46435G532   137,307 1,810 SH   SOLE   1,810 0 0
ISHARES TR US AER DEF ETF 464288760   271,076 1,437 SH   SOLE   1,437 0 0
ISHARES TR HDG MSCI JAPAN 46434V886   304,638 6,868 SH   SOLE   6,868 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   44,348 1,040 SH   SOLE   1,040 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   4,102,698 40,677 SH   SOLE   40,677 0 0
ISHARES TR 20 YR TR BD ETF 464287432   10,510 120 SH   SOLE   120 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   98,861 835 SH   SOLE   835 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   4,663,443 88,195 SH   SOLE   88,195 0 0
ISHARES TR A RATE CP BD ETF 46429B291   1,880,410 39,595 SH   SOLE   39,595 0 0
ISHARES TR ISHARES BIOTECH 464287556   151,812 1,200 SH   SOLE   1,200 0 0
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101   28,769 470 SH   SOLE   470 0 0
ISHARES TR USD INV GRDE ETF 464288620   108,056 2,117 SH   SOLE   2,117 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   28,527 369 SH   SOLE   369 0 0
ISHARES TR CORE S&P500 ETF 464287200   159,571 257 SH   SOLE   257 0 0
ISHARES TR CORE S&P TTL STK 464287150   67,115 497 SH   SOLE   497 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   11,421,014 457,113 SH   SOLE   457,113 0 0
ISHARES GOLD TR ISHARES NEW 464285204   129,148 2,071 SH   SOLE   2,071 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   2,304,794 91,368 SH   SOLE   91,368 0 0
ISHARES TR IBONDS DEC 29 46436E205   3,618,056 156,301 SH   SOLE   156,301 0 0
ISHARES TR IBONDS DEC 2030 46436E726   1,342,932 61,573 SH   SOLE   61,573 0 0
ISHARES TR IBOXX HI YD ETF 464288513   19,088 239 SH   SOLE   239 0 0
ISHARES TR JPMORGAN USD EMG 464288281   1,077,554 11,734 SH   SOLE   11,734 0 0
ISHARES TR MSCI ACWI EX US 464288240   30,409 499 SH   SOLE   499 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,717,986 19,219 SH   SOLE   19,219 0 0
ISHARES INC MSCI EMRG CHN 46434G764   223,958 3,547 SH   SOLE   3,547 0 0
ISHARES INC MSCI GERMANY ETF 464286806   94,055 2,223 SH   SOLE   2,223 0 0
ISHARES INC MSCI SWITZERLAND 464286749   1,477,787 26,962 SH   SOLE   26,962 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   546,905 13,769 SH   SOLE   13,769 0 0
ISHARES TR ESG OPTIMIZED 464288802   170,225 1,343 SH   SOLE   1,343 0 0
ISHARES INC MSCI WORLD ETF 464286392   18,293 108 SH   SOLE   108 0 0
ISHARES TR SHORT TREAS BD 464288679   2,729,901 24,893 SH   SOLE   24,893 0 0
ISHARES TR S&P 500 VAL ETF 464287408   273,588 1,400 SH   SOLE   1,400 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   20,480,629 229,552 SH   SOLE   229,552 0 0
ISHARES TR US INTL HGH YLD 464286178   176,327 3,847 SH   SOLE   3,847 0 0
ISHARES TR PFD AND INCM SEC 464288687   19,453 641 SH   SOLE   641 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   198,095 918 SH   SOLE   918 0 0
JOHNSON & JOHNSON COM 478160104   22,913 150 SH   SOLE   150 0 0
JPMORGAN CHASE & CO. COM 46625H100   457,016 1,584 SH   SOLE   1,584 0 0
KINDER MORGAN INC DEL COM 49456B101   26,038 895 SH   SOLE   895 0 0
KKR & CO INC COM 48251W104   379,136 2,850 SH   SOLE   2,850 0 0
LABCORP HOLDINGS INC COM SHS 504922105   7,088 27 SH   SOLE   27 0 0
LAM RESEARCH CORP COM NEW 512807306   973 10 SH   SOLE   10 0 0
LENNAR CORP CL A 526057104   34,030 309 SH   SOLE   309 0 0
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   298,983 11,620 SH   SOLE   11,620 0 0
LULULEMON ATHLETICA INC COM 550021109   18,531 78 SH   SOLE   78 0 0
MARRIOTT INTL INC NEW CL A 571903202   49,724 182 SH   SOLE   182 0 0
MASTERCARD INCORPORATED CL A 57636Q104   204,270 364 SH   SOLE   364 0 0
MCDONALDS CORP COM 580135101   146,085 500 SH   SOLE   500 0 0
MCKESSON CORP COM 58155Q103   10,992 15 SH   SOLE   15 0 0
MERCK & CO INC COM 58933Y105   68,473 865 SH   SOLE   865 0 0
META PLATFORMS INC CL A 30303M102   349,117 473 SH   SOLE   473 0 0
MICROSOFT CORP COM 594918104   3,218,740 6,471 SH   SOLE   6,471 0 0
MONDELEZ INTL INC CL A 609207105   155,112 2,300 SH   SOLE   2,300 0 0
COMCAST CORP NEW CL A 20030N101   10,115 286 SH   SOLE   286 0 0
T-MOBILE US INC COM 872590104   14,057 59 SH   SOLE   59 0 0
KLA CORP COM NEW 482480100   27,768 31 SH   SOLE   31 0 0
NETFLIX INC COM 64110L106   62,939 47 SH   SOLE   47 0 0
NIKE INC CL B 654106103   28,416 400 SH   SOLE   400 0 0
NOVO-NORDISK A S ADR 670100205   23,467 340 SH   SOLE   340 0 0
NVIDIA CORPORATION COM 67066G104   528,635 3,346 SH   SOLE   3,346 0 0
NEW YORK LIFE INVESTMENTS ET NYLI HEDGE MULTI 45409B107   3,333,452 103,139 SH   SOLE   103,139 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   1,352 15 SH   SOLE   15 0 0
ORACLE CORP COM 68389X105   23,780 109 SH   SOLE   109 0 0
OTIS WORLDWIDE CORP COM 68902V107   7,427 75 SH   SOLE   75 0 0
PACCAR INC COM 693718108   3,137 33 SH   SOLE   33 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   27,264 200 SH   SOLE   200 0 0
PALO ALTO NETWORKS INC COM 697435105   1,228 6 SH   SOLE   6 0 0
PEPSICO INC COM 713448108   88,731 672 SH   SOLE   672 0 0
PFIZER INC COM 717081103   23,829 1,000 SH   SOLE   1,000 0 0
PHILIP MORRIS INTL INC COM 718172109   83,780 460 SH   SOLE   460 0 0
PNC FINL SVCS GROUP INC COM 693475105   1,479 8 SH   SOLE   8 0 0
PROCTER AND GAMBLE CO COM 742718109   59,814 378 SH   SOLE   378 0 0
PROGRESSIVE CORP COM 743315103   14,405 54 SH   SOLE   54 0 0
PROLOGIS INC. COM 74340W103   9,881 94 SH   SOLE   94 0 0
QUALCOMM INC COM 747525103   129,001 810 SH   SOLE   810 0 0
QUANTUMSCAPE CORP COM CL A 74767V109   13,440 2,000 SH   SOLE   2,000 0 0
RTX CORPORATION COM 75513E101   29,350 201 SH   SOLE   201 0 0
REGENERON PHARMACEUTICALS COM 75886F107   4,200 8 SH   SOLE   8 0 0
RESMED INC COM 761152107   220,332 854 SH   SOLE   854 0 0
S&P GLOBAL INC COM 78409V104   8,964 17 SH   SOLE   17 0 0
SALESFORCE INC COM 79466L302   89,988 330 SH   SOLE   330 0 0
SCHLUMBERGER LTD COM STK 806857108   2,704 80 SH   SOLE   80 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   687,398 31,104 SH   SOLE   31,104 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   142,975 5,398 SH   SOLE   5,398 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   282,529 1,300 SH   SOLE   1,300 0 0
SERVICENOW INC COM 81762P102   37,011 36 SH   SOLE   36 0 0
SOUTHERN CO COM 842587107   22,590 246 SH   SOLE   246 0 0
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   59,219 650 SH   SOLE   650 0 0
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359   1,152,771 13,981 SH   SOLE   13,981 0 0
SPDR SERIES TRUST BLOOMBERG EMERGI 78464A391   152,325 7,185 SH   SOLE   7,185 0 0
SPDR SERIES TRUST BLOOMBERG INTL 78464A151   4,037,803 124,430 SH   SOLE   124,430 0 0
SPDR SERIES TRUST BLOOMBERG SHT TE 78468R408   2,869,215 113,950 SH   SOLE   113,950 0 0
SPDR SERIES TRUST BLOOMBERG SHORT 78464A334   223,402 7,987 SH   SOLE   7,987 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   220,236 500 SH   SOLE   500 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   3,201,409 53,598 SH   SOLE   53,598 0 0
SPDR GOLD TR GOLD SHS 78463V107   8,778,190 28,797 SH   SOLE   28,797 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   24,594,137 39,806 SH   SOLE   39,806 0 0
STARBUCKS CORP COM 855244109   20,708 226 SH   SOLE   226 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   12,457 55 SH   SOLE   55 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   205,876 813 SH   SOLE   813 0 0
TESLA INC COM 88160R101   151,206 476 SH   SOLE   476 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   8,515 21 SH   SOLE   21 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   42,973 700 SH   SOLE   700 0 0
UBER TECHNOLOGIES INC COM 90353T100   13,622 146 SH   SOLE   146 0 0
UNITED RENTALS INC COM 911363109   6,781 9 SH   SOLE   9 0 0
UNITEDHEALTH GROUP INC COM 91324P102   24,958 80 SH   SOLE   80 0 0
VANECK ETF TRUST BIOTECH ETF 92189F726   47,517 310 SH   SOLE   310 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   1,371,885 26,352 SH   SOLE   26,352 0 0
VANECK ETF TRUST OIL SERVICES ETF 92189H607   46,058 200 SH   SOLE   200 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   4,399,878 68,057 SH   SOLE   68,057 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   109,300 1,626 SH   SOLE   1,626 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   278,015 5,621 SH   SOLE   5,621 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   633,267 2,550 SH   SOLE   2,550 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   207,297 1,555 SH   SOLE   1,555 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   415,269 5,406 SH   SOLE   5,406 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   3,209,377 54,004 SH   SOLE   54,004 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   84,849 1,230 SH   SOLE   1,230 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   545,932 7,266 SH   SOLE   7,266 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   223,864 800 SH   SOLE   800 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   148,641 1,669 SH   SOLE   1,669 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   87,220 1,000 SH   SOLE   1,000 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,788,283 48,006 SH   SOLE   48,006 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   175,614 2,246 SH   SOLE   2,246 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   191,805 2,622 SH   SOLE   2,622 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   895,428 1,350 SH   SOLE   1,350 0 0
VEEVA SYS INC CL A COM 922475108   11,519 40 SH   SOLE   40 0 0
VERALTO CORP COM SHS 92338C103   12,114 120 SH   SOLE   120 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   106,412 2,499 SH   SOLE   2,499 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   10,240 23 SH   SOLE   23 0 0
VISA INC COM CL A 92826C839   387,360 1,091 SH   SOLE   1,091 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   150,509 3,053 SH   SOLE   3,053 0 0
WALMART INC COM 931142103   62,188 636 SH   SOLE   636 0 0
DISNEY WALT CO COM 254687106   19,470 157 SH   SOLE   157 0 0
WASTE MGMT INC DEL COM 94106L109   16,475 72 SH   SOLE   72 0 0
WATERS CORP COM 941848103   7,679 22 SH   SOLE   22 0 0
WEC ENERGY GROUP INC COM 92939U106   8,857 85 SH   SOLE   85 0 0
WELLS FARGO CO NEW COM 949746101   50,876 635 SH   SOLE   635 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701   49,179 1,022 SH   SOLE   1,022 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851   36,566 320 SH   SOLE   320 0 0
DBX ETF TR XTRACK HRVST CSI 233051879   15,147 550 SH   SOLE   550 0 0
YUM BRANDS INC COM 988498101   143,735 970 SH   SOLE   970 0 0
ZOETIS INC CL A 98978V103   159,627 1,027 SH   SOLE   1,027 0 0
ISHARES TR CORE MSCI EAFE 46432F842   135,905 1,628 SH   SOLE   1,628 0 0
ISHARES INC CORE MSCI EMKT 46434G103   39,620 660 SH   SOLE   660 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   39,284 524 SH   SOLE   524 0 0