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
AIRBNB INC Common Stock 009066101 327 3,117 SH   SOLE   0 0 3,117
AMAZON COM Common Stock 023135106 1,546 13,680 SH   SOLE   0 0 13,680
ANTHEM INC Common Stock 036752103 471 1,037 SH   SOLE   0 0 1,037
APPLE INC Common Stock 037833100 11,659 84,367 SH   SOLE   0 0 84,367
AUTOMATIC DATA Common Stock 053015103 362 1,600 SH   SOLE   0 0 1,600
BERKSHIRE HATHAWAY Common Stock 084670702 849 3,180 SH   SOLE   0 0 3,180
CVS HEALTH Common Stock 126650100 263 2,758 SH   DFND 4 0 0 2,758
COCA COLA COMPANY Common Stock 191216100 274 4,884 SH   DFND 1,2 0 0 4,884
WALT DISNEY Common Stock 254687106 242 2,569 SH   DFND 1,2 0 0 2,569
GENERAL ELECTRIC Common Stock 369604301 210 3,395 SH   SOLE   0 0 3,395
HERSHEY COMPANY Common Stock 427866108 237 1,076 SH   SOLE   0 0 1,076
HOME DEPOT Common Stock 437076102 256 929 SH   DFND 1,2 0 0 929
INTL BUSINESS Common Stock 459200101 279 2,348 SH   DFND 1 0 0 2,348
ISHARES SELECT ETF 464287168 205 1,909 SH   SOLE   0 0 1,909
ISHARES TIPS ETF 464287176 209 1,989 SH   SOLE   0 0 1,989
ISHARES CORE ETF 464287200 528 1,471 SH   SOLE   0 0 1,471
ISHARES CORE ETF 464287226 1,332 13,822 SH   SOLE   0 0 13,822
ISHARES MSCI ETF 464287234 605 17,348 SH   SOLE   0 0 17,348
ISHARES IBOXX ETF 464287242 4,168 40,684 SH   DFND 4 72 0 40,684
ISHARES 7-10YR ETF 464287440 908 9,463 SH   DFND 4 0 0 9,463
ISHARES 1-3YR ETF 464287457 719 8,855 SH   DFND 4 0 0 8,855
ISHARES MSCI ETF 464287465 373 6,658 SH   SOLE   0 0 6,658
ISHARES CORE ETF 464287804 1,784 20,460 SH   SOLE   0 0 20,460
ISHARES JPMORGAN ETF 464288281 264 3,328 SH   DFND 4 0 0 3,328
ISHARES NATIONAL ETF 464288414 583 5,681 SH   SOLE   0 0 5,681
ISHARES IBOXX ETF 464288513 234 3,281 SH   DFND 1 0 0 3,281
ISHARES 1-5 YR INV BOND ETF 464288646 241 4,888 SH   DFND 4 0 0 4,888
ISHARES BARCLAYS SHORT TREASURY BOND ETF 464288679 725 6,589 SH   DFND 2,4 0 0 6,589
JOHNSON & JOHNSON Common Stock 478160104 677 4,142 SH   DFND 2 0 0 4,142
MCDONALDS CORP Common Stock 580135101 240 1,041 SH   DFND 1,2 0 0 1,041
MICROSOFT CORP Common Stock 594918104 2,839 12,192 SH   DFND 1,2,4 0 0 12,192
NUVASIVE INC Common Stock 670704105 297 6,777 SH   SOLE   0 0 6,777
PEPSICO INC Common Stock 713448108 210 1,286 SH   DFND 1 0 0 1,286
PFIZER INC Common Stock 717081103 313 7,164 SH   DFND 1,2,4 0 0 7,164
PROCTER & GAMBLE Common Stock 742718109 481 3,806 SH   DFND 1,2,4 0 0 3,806
SOUTHWEST AIRLINES Common Stock 844741108 352 11,425 SH   SOLE   0 0 11,425
VANGUARD MEGA CAP GROWTH ETF ETF 921910816 474 2,722 SH   DFND 4 0 0 2,722
VANGUARD MEGA CAP VALUE ETF ETF 921910840 446 4,961 SH   DFND 4 0 0 4,961
VANGUARD MEGA ETF 921910873 724 5,798 SH   SOLE   0 0 5,798
VANGUARD SHORT ETF 921937827 300 4,012 SH   SOLE   0 0 4,012
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 210 2,943 SH   DFND 4 0 0 2,943
VANGUARD S&P ETF 922908363 1,091 3,324 SH   DFND 4 0 0 3,324
VANGUARD MID ETF 922908512 250 2,055 SH   DFND 1,4 0 0 2,055
VANGUARD SMALL ETF 922908595 201 1,030 SH   DFND 4 0 0 1,030
VANGUARD MID ETF 922908629 9,077 48,286 SH   DFND 4 0 0 48,286
VANGUARD GROWTH ETF 922908736 30,143 140,888 SH   SOLE   239 0 140,888
VANGUARD VALUE ETF 922908744 36,622 296,580 SH   SOLE   647 0 296,580
VANGUARD SMALL ETF 922908751 5,465 31,976 SH   DFND 4 0 0 31,976
VANGUARD TOTAL ETF 922908769 2,608 14,532 SH   SOLE   105 0 14,532
AT&T INC Common Stock 00206R102 179 11,651 SH   DFND 1,2 0 0 11,651
ALPHABET INC Common Stock 02079K107 820 8,527 SH   DFND 3 0 0 8,527
ALPHABET INC Common Stock 02079K305 480 5,023 SH   DFND 1,2,4 0 0 5,023
CISCO SYSTEMS Common Stock 17275R102 233 5,826 SH   DFND 1,2,4 0 0 5,826
DIMENSIONAL US ETF 25434V401 2,151 55,406 SH   SOLE   0 0 55,406
DIMENSIONAL US ETF 25434V500 413 8,874 SH   SOLE   0 0 8,874
DIMENSIONAL US ETF 25434V708 495 22,258 SH   SOLE   0 0 22,258
DIMENSIONAL US ETF 25434V724 630 21,262 SH   SOLE   0 0 21,262
DIMENSIONAL INTL ETF 25434V807 371 14,404 SH   SOLE   0 0 14,404
DIMENSIONAL WORLD ETF 25434V880 234 12,413 SH   SOLE   0 0 12,413
ETF MANAGERS ETF 26924G409 461 12,202 SH   SOLE   0 0 12,202
FIRST TRUST ETF 33733E500 416 7,301 SH   SOLE   0 0 7,301
FIRST TRUST ETF 33736G106 382 25,273 SH   SOLE   0 0 25,273
FIRST TRUST ETF 33738D309 5,948 134,969 SH   SOLE   686 0 134,969
FIRST TRUST ETF 33739Q200 12,138 256,351 SH   SOLE   856 0 256,351
FIRST TRUST ETF 33739Q408 270 4,546 SH   SOLE   0 0 4,546
FIRST TRUST ETF 33740F805 1,528 35,087 SH   SOLE   0 0 35,087
FIRST TRUST ETF 33740U109 949 44,194 SH   SOLE   0 0 44,194
GLOBAL X ETF 37954Y624 456 22,658 SH   SOLE   0 0 22,658
INVESCO S&P ETF 46137V274 506 4,750 SH   SOLE   0 0 4,750
INVESCO S&P ETF 46137V373 300 1,950 SH   SOLE   0 0 1,950
ISHARES CORE ETF 46429B663 5,234 57,333 SH   SOLE   0 0 57,333
ISHARES CORE ETF 46432F842 1,520 28,868 SH   DFND 4 85 0 28,868
ISHARES CORE ETF 46434G103 1,825 42,458 SH   DFND 4 169 0 42,458
ISHARES EXPONENTIAL ETF 46434V381 2,013 45,157 SH   SOLE   166 0 45,157
ISHARES CORE ETF 46434V621 9,409 211,570 SH   SOLE   534 0 211,570
ISHARES IBONDS ETF 46434VAX8 428 17,159 SH   SOLE   0 0 17,159
ISHARES IBONDS ETF 46434VBA7 622 24,848 SH   SOLE   0 0 24,848
ISHARES IBONDS ETF 46434VBG4 395 16,237 SH   SOLE   0 0 16,237
ISHARES RUSSELL ETF 46435G268 11,268 226,494 SH   SOLE   1,076 0 226,494
ISHARES CYBERSECURITY ETF 46435U135 1,256 36,987 SH   SOLE   227 0 36,987
JPMORGAN CHASE Common Stock 46625H100 274 2,617 SH   DFND 1,2 0 0 2,617
JPMORGAN ULTRA SHORT INCOME ETF ETF 46641Q837 247 4,925 SH   DFND 2,4 0 0 4,925
NVIDIA CORP Common Stock 67066G104 640 5,274 SH   SOLE   0 0 5,274
PACER US ETF 69374H881 1,651 40,249 SH   SOLE   0 0 40,249
PAYPAL HOLDINGS Common Stock 70450Y103 241 2,797 SH   SOLE   0 0 2,797
PIMCO INVESTMENT ETF 72201R817 8,553 93,749 SH   SOLE   347 0 93,749
PIMCO ENHANCED SHORT MATURITY ETF 72201R833 241 2,433 SH   DFND 2,4 0 0 2,433
PLUG POWER Common Stock 72919P202 1,066 50,744 SH   SOLE   0 0 50,744
SPDR S&P ETF 78462F103 883 2,472 SH   DFND 4 0 0 2,472
SPDR PORTFOLIO ETF 78464A474 202 6,912 SH   SOLE   0 0 6,912
SPDR S&P ETF 78464A698 277 4,704 SH   SOLE   0 0 4,704
SPDR Barclays 1-3 Month T Bill ETF 78468R663 1,141 12,455 SH   DFND 2,4 0 0 12,455
SECTOR HEALTHCARE ETF 81369Y209 4,475 36,952 SH   SOLE   0 0 36,952
SECTOR CONSUMER ETF 81369Y308 1,403 21,030 SH   SOLE   0 0 21,030
CONSUMER DISCRETIONARY ETF 81369Y407 8,164 57,309 SH   SOLE   0 0 57,309
SECTOR FINANCIAL ETF 81369Y605 3,411 112,357 SH   SOLE   0 0 112,357
SECTOR TECHNOLOGY ETF 81369Y803 7,530 63,397 SH   SOLE   92 0 63,397
SELECT SECTOR ETF 81369Y852 1,820 38,005 SH   SOLE   209 0 38,005
SELECT UTILITIES ETF 81369Y886 540 8,246 SH   SOLE   0 0 8,246
SIRIUS XM Common Stock 82968B103 75 13,147 SH   SOLE   0 0 13,147
TESLA INC Common Stock 88160R101 623 2,350 SH   SOLE   0 0 2,350
Vanguard Total Int'l Bond ETF ETF 92203J407 265 5,555 SH   DFND 4 0 0 5,555
VANGUARD CONSUMER ETF 92204A108 265 1,128 SH   SOLE   48 0 1,128
VANGUARD UTILITIES ETF 92204A876 233 1,640 SH   SOLE   0 0 1,640
Vanguard Mortgage Backed Sec Idx ETF ETF 92206C771 387 8,576 SH   DFND 4 0 0 8,576
VERIZON COMMUNICATIONS Common Stock 92343V104 474 12,493 SH   DFND 1,2,4 0 0 12,493
VERISK ANALYTICS Common Stock 92345Y106 386 2,266 SH   SOLE   0 0 2,266