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
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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
ALPHABET INC CAP STK CL A 02079K305   1,557,117 13,009 SH   SOLE 0 0 0 13,009
ALPHABET INC CAP STK CL C 02079K107   335,281 2,772 SH   SOLE 0 0 0 2,772
ALTRIA GROUP INC COM 02209S103   284,534 6,281 SH   SOLE 0 0 0 6,281
AMAZON COM INC COM 023135106   2,925,903 22,445 SH   SOLE 0 0 0 22,445
AMERICAN INTL GROUP INC COM NEW 026874784   522,905 9,088 SH   SOLE 0 0 0 9,088
APPLE INC COM 037833100   7,128,285 36,749 SH   SOLE 0 0 0 36,749
BANK AMERICA CORP COM 060505104   583,240 20,329 SH   SOLE 0 0 0 20,329
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   493,863 1,448 SH   SOLE 0 0 0 1,448
BLACKSTONE INC COM 09260D107   667,661 7,181 SH   SOLE 0 0 0 7,181
BOEING CO COM 097023105   366,714 1,737 SH   SOLE 0 0 0 1,737
BRISTOL-MYERS SQUIBB CO COM 110122108   988,204 15,453 SH   SOLE 0 0 0 15,453
BROADCOM INC COM 11135F101   284,090 328 SH   SOLE 0 0 0 328
CISCO SYS INC COM 17275R102   239,219 4,623 SH   SOLE 0 0 0 4,623
COCA COLA CO COM 191216100   254,479 4,226 SH   SOLE 0 0 0 4,226
CORNING INC COM 219350105   301,675 8,609 SH   SOLE 0 0 0 8,609
COSTCO WHSL CORP NEW COM 22160K105   472,104 877 SH   SOLE 0 0 0 877
CUENTAS INC COM 229794300   45,432 10,615 SH   SOLE 0 0 0 10,615
DANAHER CORPORATION COM 235851102   215,522 898 SH   SOLE 0 0 0 898
F45 TRAINING HLDGS INC COM 30322L101   17,263 34,525 SH   SOLE 0 0 0 34,525
FERRARI N V COM N3167Y103   348,732 1,072 SH   SOLE 0 0 0 1,072
FLEXSHOPPER INC COM NEW 33939J303   421,092 328,978 SH   SOLE 0 0 0 328,978
HOME DEPOT INC COM 437076102   697,261 2,245 SH   SOLE 0 0 0 2,245
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,979,306 33,275 SH   SOLE 0 0 0 33,275
INVESCO QQQ TR UNIT SER 1 46090E103   277,069 750 SH   SOLE 0 0 0 750
ISHARES INC MSCI EQUAL WEITE 464286681   1,391,475 17,659 SH   SOLE 0 0 0 17,659
ISHARES TR RUS TP200 GR ETF 464289438   1,074,561 6,777 SH   SOLE 0 0 0 6,777
ISHARES TR CORE MSCI TOTAL 46432F834   813,899 12,997 SH   SOLE 0 0 0 12,997
ISHARES TR RUSEL 2500 ETF 46435G268   2,294,136 39,919 SH   SOLE 0 0 0 39,919
ISHARES TR CORE S&P TTL STK 464287150   19,387,815 198,158 SH   SOLE 0 0 0 198,158
ISHARES TR CORE S&P MCP ETF 464287507   4,058,850 15,523 SH   SOLE 0 0 0 15,523
ISHARES TR CORE S&P SCP ETF 464287804   11,205,000 112,444 SH   SOLE 0 0 0 112,444
ISHARES TR CORE S&P500 ETF 464287200   1,324,415 2,971 SH   SOLE 0 0 0 2,971
ISHARES TR RUS 1000 VAL ETF 464287598   565,309 3,582 SH   SOLE 0 0 0 3,582
ISHARES TR RUS 1000 GRW ETF 464287614   822,166 2,988 SH   SOLE 0 0 0 2,988
ISHARES TR RUSSELL 2000 ETF 464287655   5,166,256 27,587 SH   SOLE 0 0 0 27,587
ISHARES TR CORE S&P US VLU 464287663   322,426 4,120 SH   SOLE 0 0 0 4,120
ISHARES TR CORE S&P US GWT 464287671   980,815 10,045 SH   SOLE 0 0 0 10,045
JOHNSON & JOHNSON COM 478160104   322,208 1,947 SH   SOLE 0 0 0 1,947
JPMORGAN CHASE & CO COM 46625H100   249,587 1,716 SH   SOLE 0 0 0 1,716
LEGG MASON ETF INVT FRANKLIN US LOW 52468L406   23,749,663 647,659 SH   SOLE 0 0 0 647,659
LILLY ELI & CO COM 532457108   370,252 789 SH   SOLE 0 0 0 789
LISTED FD TR CORE ALT FD 53656F847   4,361,960 156,175 SH   SOLE 0 0 0 156,175
LOWES COS INC COM 548661107   253,052 1,121 SH   SOLE 0 0 0 1,121
MARRIOTT INTL INC NEW CL A 571903202   1,501,019 8,171 SH   SOLE 0 0 0 8,171
MCDONALDS CORP COM 580135101   224,905 754 SH   SOLE 0 0 0 754
MERCK & CO INC COM 58933Y105   375,514 3,254 SH   SOLE 0 0 0 3,254
META PLATFORMS INC CL A 30303M102   914,892 3,188 SH   SOLE 0 0 0 3,188
MICROSOFT CORP COM 594918104   3,527,406 10,358 SH   SOLE 0 0 0 10,358
NVIDIA CORPORATION COM 67066G104   2,752,328 6,506 SH   SOLE 0 0 0 6,506
PFIZER INC COM 717081103   251,643 6,860 SH   SOLE 0 0 0 6,860
PHILIP MORRIS INTL INC COM 718172109   317,940 3,257 SH   SOLE 0 0 0 3,257
RAYTHEON TECHNOLOGIES CORP COM 75513E101   363,022 3,706 SH   SOLE 0 0 0 3,706
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   24,858,378 697,290 SH   SOLE 0 0 0 697,290
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   338,324 5,170 SH   SOLE 0 0 0 5,170
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   869,501 5,001 SH   SOLE 0 0 0 5,001
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   8,747,295 65,903 SH   SOLE 0 0 0 65,903
SPDR GOLD TR GOLD SHS 78463V107   234,247 1,314 SH   SOLE 0 0 0 1,314
SPDR S&P 500 ETF TR TR UNIT 78462F103   21,738,668 49,040 SH   SOLE 0 0 0 49,040
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   3,851,229 8,042 SH   SOLE 0 0 0 8,042
UNITEDHEALTH GROUP INC COM 91324P102   336,866 701 SH   SOLE 0 0 0 701
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   206,049 1,353 SH   SOLE 0 0 0 1,353
VANGUARD INDEX FDS TOTAL STK MKT 922908769   27,857,318 126,463 SH   SOLE 0 0 0 126,463
VANGUARD INDEX FDS VALUE ETF 922908744   253,458 1,784 SH   SOLE 0 0 0 1,784
VANGUARD INDEX FDS MID CAP ETF 922908629   6,305,837 28,642 SH   SOLE 0 0 0 28,642
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   417,525 1,025 SH   SOLE 0 0 0 1,025
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   3,967,766 72,923 SH   SOLE 0 0 0 72,923
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   395,598 8,566 SH   SOLE 0 0 0 8,566
VISA INC COM CL A 92826C839   875,678 3,687 SH   SOLE 0 0 0 3,687
WALMART INC COM 931142103   377,894 2,404 SH   SOLE 0 0 0 2,404
WASTE MGMT INC DEL COM 94106L109   435,810 2,513 SH   SOLE 0 0 0 2,513
WELLS FARGO CO NEW COM 949746101   294,078 6,890 SH   SOLE 0 0 0 6,890