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
INTERNATIONAL BUSINESS MACHS COM 459200101   315,111 2,404 SH   DFND 1 0 0 2,404
PEPSICO INC COM 713448108   242,560 1,331 SH   DFND 1 0 0 1,331
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   659,794 14,584 SH   DFND 1 0 0 14,584
JOHNSON & JOHNSON COM 478160104   646,883 4,173 SH   DFND 2 0 0 4,173
ALPHABET INC CAP STK CL C 02079K107   872,664 8,391 SH   DFND 3 0 0 8,391
INTUITIVE SURGICAL INC COM NEW 46120E602   232,222 909 SH   DFND 3 0 0 909
NVIDIA CORPORATION COM 67066G104   1,313,164 4,728 SH   DFND 3 0 0 4,728
TESLA INC COM 88160R101   459,522 2,215 SH   DFND 3 0 0 2,215
ISHARES INC MSCI EURZONE ETF 464286608   304,515 6,755 SH   DFND 4 0 0 6,755
ISHARES TR SELECT DIVID ETF 464287168   225,663 1,926 SH   DFND 4 0 0 1,926
ISHARES TR CORE US AGGBD ET 464287226   1,595,044 16,008 SH   DFND 4 0 0 16,008
ISHARES TR IBOXX INV CP ETF 464287242   2,365,002 21,577 SH   DFND 4 0 0 21,577
ISHARES TR 1 3 YR TREAS BD 464287457   320,368 3,899 SH   DFND 4 0 0 3,899
ISHARES TR ISHARES SEMICDTR 464287523   294,816 663 SH   DFND 4 0 0 663
ISHARES TR S&P MC 400VL ETF 464287705   225,992 2,199 SH   DFND 4 0 0 2,199
ISHARES TR US INDUSTRIALS 464287754   219,551 2,192 SH   DFND 4 0 0 2,192
ISHARES TR US HOME CONS ETF 464288752   295,499 4,204 SH   DFND 4 0 0 4,204
ISHARES TR US BR DEL SE ETF 464288794   293,248 3,200 SH   DFND 4 0 0 3,200
VANGUARD WORLD FD MEGA GRWTH IND 921910816   606,146 2,964 SH   DFND 4 0 0 2,964
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   425,799 4,215 SH   DFND 4 0 0 4,215
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   586,196 10,963 SH   DFND 4 0 0 10,963
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   302,414 4,459 SH   DFND 4 0 0 4,459
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,174,466 3,123 SH   DFND 4 0 0 3,123
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   254,366 1,897 SH   DFND 4 0 0 1,897
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,760,468 30,389 SH   DFND 4 0 0 30,389
ISHARES TR CORE MSCI EAFE 46432F842   1,738,976 26,013 SH   DFND 4 0 0 26,013
ISHARES INC CORE MSCI EMKT 46434G103   2,382,200 48,826 SH   DFND 4 0 0 48,826
ISHARES TR CORE DIV GRWTH 46434V621   9,120,682 182,450 SH   DFND 4 0 0 182,450
REGENERON PHARMACEUTICALS COM 75886F107   244,036 297 SH   DFND 4 0 0 297
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   675,893 7,361 SH   DFND 4 0 0 7,361
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   4,735,945 36,582 SH   DFND 4 0 0 36,582
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,970,767 26,379 SH   DFND 4 0 0 26,379
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   8,301,595 55,514 SH   DFND 4 0 0 55,514
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   10,553,995 69,890 SH   DFND 4 0 0 69,890
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   3,024,767 52,178 SH   DFND 4 0 0 52,178
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   668,629 9,878 SH   DFND 4 0 0 9,878
COCA COLA CO COM 191216100   288,005 4,643 SH   DFND 1, 2 0 0 4,643
DISNEY WALT CO COM 254687106   276,974 2,766 SH   DFND 1, 2 0 0 2,766
HOME DEPOT INC COM 437076102   278,627 944 SH   DFND 1, 2 0 0 944
ISHARES TR CORE S&P500 ETF 464287200   774,655 1,884 SH   DFND 1, 2 0 0 1,884
AT&T INC COM 00206R102   229,880 11,942 SH   DFND 1, 2 0 0 11,942
VISA INC COM CL A 92826C839   225,335 999 SH   DFND 1, 2 0 0 999
MICROSOFT CORP COM 594918104   4,018,072 13,937 SH   DFND 1, 2, 4 0 0 13,937
PFIZER INC COM 717081103   306,779 7,519 SH   DFND 1, 2, 4 0 0 7,519
PROCTER AND GAMBLE CO COM 742718109   550,152 3,700 SH   DFND 1, 2, 4 0 0 3,700
ALPHABET INC CAP STK CL A 02079K305   490,643 4,730 SH   DFND 1, 2, 4 0 0 4,730
CISCO SYS INC COM 17275R102   283,172 5,417 SH   DFND 1, 2, 4 0 0 5,417
ISHARES TR IBOXX HI YD ETF 464288513   412,935 5,466 SH   DFND 1, 4 0 0 5,466
VANGUARD INDEX FDS MID CAP ETF 922908629   9,351,942 44,339 SH   DFND 1, 4 0 0 44,339
VERIZON COMMUNICATIONS INC COM 92343V104   464,779 11,951 SH   DFND 1, 4 0 0 11,951
MCDONALDS CORP COM 580135101   279,985 1,001 SH   DFND 1,2 0 0 1,001
JPMORGAN CHASE & CO COM 46625H100   344,677 2,645 SH   DFND 1,2 0 0 2,645
ISHARES TR 7-10 YR TRSY BD 464287440   1,493,407 15,067 SH   DFND 2, 4 0 0 15,067
META PLATFORMS INC CL A 30303M102   224,656 1,060 SH   DFND 2, 4 0 0 1,060
SPDR SER TR PORTFLI INTRMDIT 78464A672   956,583 33,054 SH   DFND 2, 4 0 0 33,054
ADVANCED MICRO DEVICES INC COM 007903107   210,231 2,145 SH   SOLE   0 0 2,145
AIRBNB INC COM CL A 009066101   331,900 2,668 SH   SOLE   0 0 2,668
AMAZON COM INC COM 023135106   880,239 8,522 SH   SOLE   0 0 8,522
ELEVANCE HEALTH INC COM 036752103   479,645 1,043 SH   SOLE   0 0 1,043
APPLE INC COM 037833100   15,512,121 94,070 SH   SOLE   0 0 94,070
AUTOMATIC DATA PROCESSING IN COM 053015103   356,208 1,600 SH   SOLE   0 0 1,600
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,156,347 3,745 SH   SOLE   0 0 3,745
GENERAL ELECTRIC CO COM NEW 369604301   359,836 3,764 SH   SOLE   0 0 3,764
HERSHEY CO COM 427866108   274,385 1,079 SH   SOLE   0 0 1,079
ISHARES TR MSCI EMG MKT ETF 464287234   661,172 16,756 SH   SOLE   0 0 16,756
ISHARES TR MSCI EAFE ETF 464287465   428,479 5,991 SH   SOLE   0 0 5,991
ISHARES TR CORE S&P SCP ETF 464287804   1,648,617 17,049 SH   SOLE   0 0 17,049
ISHARES TR NATIONAL MUN ETF 464288414   288,103 2,674 SH   SOLE   0 0 2,674
NUVASIVE INC COM 670704105   279,958 6,777 SH   SOLE   0 0 6,777
VANGUARD WORLD FD MEGA CAP INDEX 921910873   814,575 5,691 SH   SOLE   0 0 5,691
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   221,062 4,894 SH   SOLE   0 0 4,894
VANGUARD INDEX FDS GROWTH ETF 922908736   35,307,121 141,546 SH   SOLE   0 0 141,546
VANGUARD INDEX FDS VALUE ETF 922908744   45,658,071 330,592 SH   SOLE   0 0 330,592
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,057,547 14,981 SH   SOLE   0 0 14,981
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   2,464,273 55,464 SH   SOLE   0 0 55,464
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   458,193 8,694 SH   SOLE   0 0 8,694
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   576,358 22,620 SH   SOLE   0 0 22,620
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   712,630 21,285 SH   SOLE   0 0 21,285
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   468,787 14,545 SH   SOLE   0 0 14,545
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   294,846 12,786 SH   SOLE   0 0 12,786
ETF MANAGERS TR PRIME MOBILE PAY 26924G409   304,064 7,297 SH   SOLE   0 0 7,297
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500   316,424 6,058 SH   SOLE   0 0 6,058
FIRST TR EXCHANGE-TRADED FD GBL WND ENRG ETF 33736G106   368,519 20,634 SH   SOLE   0 0 20,634
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   10,533,068 220,035 SH   SOLE   0 0 220,035
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   441,028 7,411 SH   SOLE   0 0 7,411
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   801,385 17,785 SH   SOLE   0 0 17,785
FIRST TR EXCHNG TRADED FD VI TCW SECURITIZED 33740U109   531,416 24,467 SH   SOLE   0 0 24,467
GLOBAL X FDS AUTONMOUS EV ETF 37954Y624   328,634 13,785 SH   SOLE   0 0 13,785
INVESCO EXCHANGE TRADED FD T S&P500 EQL UTL 46137V274   537,419 4,739 SH   SOLE   0 0 4,739
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373   334,521 1,963 SH   SOLE   0 0 1,963
ISHARES TR CORE HIGH DV ETF 46429B663   8,156,719 80,235 SH   SOLE   0 0 80,235
ISHARES TR EXPONENTIAL TECH 46434V381   2,342,250 44,445 SH   SOLE   0 0 44,445
ISHARES TR RUSEL 2500 ETF 46435G268   13,150,147 239,879 SH   SOLE   0 0 239,879
ISHARES TR CYBERSECURITY 46435U135   1,357,073 37,333 SH   SOLE   0 0 37,333
PACER FDS TR US CASH COWS 100 69374H881   4,956,827 105,577 SH   SOLE   0 0 105,577
PIMCO ETF TR INV GRD CRP BD 72201R817   7,700,681 80,049 SH   SOLE   0 0 80,049
PLUG POWER INC COM NEW 72919P202   535,182 45,664 SH   SOLE   0 0 45,664
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,170,861 2,860 SH   SOLE   0 0 2,860
SPDR SER TR PORTFOLIO SHORT 78464A474   207,859 7,015 SH   SOLE   0 0 7,015
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,398,152 105,697 SH   SOLE   0 0 105,697
SIRIUS XM HOLDINGS INC COM 82968B103   52,468 13,216 SH   SOLE   0 0 13,216
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   314,366 1,245 SH   SOLE   0 0 1,245
VANGUARD WORLD FDS UTILITIES ETF 92204A876   244,146 1,655 SH   SOLE   0 0 1,655
VERISK ANALYTICS INC COM 92345Y106   434,755 2,266 SH   SOLE   0 0 2,266