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
ADVANCED MICRO DEVICES INC COM 007903107   248,323 2,180 SH   DFND 3 0 0 2,180
AIRBNB INC COM CL A 009066101   343,597 2,681 SH   DFND 3 0 0 2,681
ALPHABET INC CAP STK CL C 02079K107   1,159,619 9,586 SH   DFND 3 0 0 9,586
ALPHABET INC CAP STK CL A 02079K305   531,229 4,438 SH   DFND 1,2,4 0 0 4,438
AMAZON COM INC COM 023135106   1,139,995 8,745 SH   DFND 1, 2, 3 0 0 8,745
ELEVANCE HEALTH INC COM 036752103   466,762 1,051 SH   DFND 1 0 0 1,051
APPLE INC COM 037833100   19,181,933 98,891 SH   DFND 1,2,4 0 0 98,891
AT&T INC COM 00206R102   183,279 11,491 SH   DFND 1, 2 0 0 11,491
AUTOMATIC DATA PROCESSING IN COM 053015103   352,763 1,605 SH   DFND 1 0 0 1,605
BENTLEY SYS INC COM CL B 08265T208   233,623 4,308 SH   SOLE   0 0 4,308
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,297,505 3,805 SH   DFND 2,4 0 0 3,805
CISCO SYS INC COM 17275R102   311,941 6,029 SH   DFND 1,2,4 0 0 6,029
COCA COLA CO COM 191216100   280,261 4,654 SH   DFND 1,2 0 0 4,654
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   9,291,001 54,714 SH   DFND 4 0 0 54,714
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   476,892 14,517 SH   SOLE   0 0 14,517
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   2,676,281 55,571 SH   SOLE   20 0 55,551
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   479,502 8,750 SH   SOLE   0 0 8,750
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   605,990 22,320 SH   SOLE   0 0 22,320
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   422,857 12,257 SH   SOLE   0 0 12,257
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   289,978 12,440 SH   SOLE   0 0 12,440
ETF MANAGERS TR PRIME MOBILE PAY 26924G409   311,606 7,297 SH   SOLE   0 0 7,297
META PLATFORMS INC CL A 30303M102   233,028 812 SH   DFND 1,4 0 0 812
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500   287,606 5,622 SH   SOLE   0 0 5,622
FIRST TR EXCHANGE-TRADED FD GBL WND ENRG ETF 33736G106   341,841 19,567 SH   SOLE   0 0 19,567
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   9,440,490 198,039 SH   SOLE   0 0 198,039
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   472,519 7,954 SH   SOLE   0 0 7,954
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   746,257 16,895 SH   SOLE   0 0 16,895
FIRST TR EXCHNG TRADED FD VI TCW SECURITIZED 33740U109   305,070 14,289 SH   SOLE   0 0 14,289
GENERAL ELECTRIC CO COM NEW 369604301   408,673 3,720 SH   SOLE   0 0 3,720
GILEAD SCIENCES INC COM 375558103   203,798 2,644 SH   DFND 2,4 0 0 2,644
GLOBAL X FDS AUTONMOUS EV ETF 37954Y624   358,958 13,785 SH   SOLE   0 0 13,785
HERSHEY CO COM 427866108   269,581 1,080 SH   SOLE   0 0 1,080
HOME DEPOT INC COM 437076102   290,488 935 SH   DFND 1, 2 0 0 935
INTERNATIONAL BUSINESS MACHS COM 459200101   339,884 2,540 SH   DFND 2 0 0 2,540
INTUITIVE SURGICAL INC COM NEW 46120E602   310,823 909 SH   DFND 3 0 0 909
INVESCO EXCHANGE TRADED FD T S&P500 EQL UTL 46137V274   308,495 2,790 SH   SOLE   0 0 2,790
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373   311,687 1,862 SH   SOLE   0 0 1,862
ISHARES TR 1 3 YR TREAS BD 464287457   243,253 3,000 SH   DFND 4 0 0 3,000
ISHARES TR 7-10 YR TRSY BD 464287440   533,594 5,524 SH   DFND 4 0 0 5,524
ISHARES TR INTRM GOV CR ETF 464288612   291,310 2,831 SH   DFND 4 0 0 2,831
ISHARES TR CORE S&P SCP ETF 464287804   1,678,065 16,840 SH   SOLE   0 0 16,840
ISHARES TR CORE HIGH DV ETF 46429B663   8,113,748 80,502 SH   SOLE   0 0 80,502
ISHARES TR CORE S&P500 ETF 464287200   1,122,247 2,518 SH   DFND 1,2,4 0 0 2,518
ISHARES TR CORE US AGGBD ET 464287226   1,602,959 16,365 SH   DFND 4 0 0 16,365
ISHARES TR CORE MSCI EAFE 46432F842   1,728,290 25,604 SH   DFND 4 0 0 25,604
ISHARES INC CORE MSCI EMKT 46434G103   2,587,985 52,505 SH   DFND 4 0 0 52,505
ISHARES TR CORE DIV GRWTH 46434V621   8,794,272 170,663 SH   DFND 4 0 0 170,663
ISHARES TR CYBERSECURITY 46435U135   1,475,002 39,000 SH   SOLE   0 0 39,000
ISHARES TR US HOME CONS ETF 464288752   342,871 4,013 SH   DFND 4 0 0 4,013
ISHARES TR EXPONENTIAL TECH 46434V381   2,468,451 44,397 SH   SOLE   0 0 44,397
ISHARES TR FLTG RATE NT ETF 46429B655   324,060 6,377 SH   DFND 4 0 0 6,377
ISHARES TR IBOXX INV CP ETF 464287242   2,117,207 19,578 SH   DFND 4 0 0 19,578
ISHARES TR IBOXX HI YD ETF 464288513   1,436,053 19,130 SH   DFND 1,2,4 0 0 19,130
ISHARES TR MSCI EMG MKT ETF 464287234   624,728 15,792 SH   SOLE   0 0 15,792
ISHARES TR MSCI EAFE ETF 464287465   439,748 6,066 SH   SOLE   0 0 6,066
ISHARES TR EAFE GRWTH ETF 464288885   222,401 2,331 SH   DFND 4 0 0 2,331
ISHARES INC MSCI EURZONE ETF 464286608   344,062 7,509 SH   DFND 4 0 0 7,509
ISHARES TR NATIONAL MUN ETF 464288414   285,916 2,679 SH   SOLE   0 0 2,679
ISHARES TR RUSEL 2500 ETF 46435G268   14,023,138 244,008 SH   SOLE   0 0 244,008
ISHARES TR ISHARES SEMICDTR 464287523   231,311 456 SH   DFND 4 0 0 456
ISHARES TR U.S. FIN SVC ETF 464287770   204,851 1,297 SH   SOLE   0 0 1,297
JOHNSON & JOHNSON COM 478160104   675,961 4,084 SH   DFND 1 0 0 4,084
JPMORGAN CHASE & CO COM 46625H100   427,697 2,941 SH   DFND 1, 2 0 0 2,941
LOWES COS INC COM 548661107   208,875 925 SH   SOLE   0 0 925
MCDONALDS CORP COM 580135101   284,302 953 SH   DFND 1, 2 0 0 953
MICROSOFT CORP COM 594918104   5,160,884 15,155 SH   DFND 1,2,4 0 0 15,155
NUVASIVE INC COM 670704105   281,855 6,777 SH   SOLE   0 0 6,777
NVIDIA CORPORATION COM 67066G104   1,774,404 4,195 SH   DFND 1, 3 0 0 4,195
PACER FDS TR US CASH COWS 100 69374H881   5,661,840 118,275 SH   SOLE   0 0 118,275
PEPSICO INC COM 713448108   247,320 1,335 SH   DFND 2 0 0 1,335
PFIZER INC COM 717081103   266,122 7,255 SH   DFND 1,2,4 0 0 7,255
PIMCO ETF TR INV GRD CRP BD 72201R817   6,867,645 72,405 SH   SOLE   0 0 72,405
PLUG POWER INC COM NEW 72919P202   421,794 40,596 SH   SOLE   0 0 40,596
PROCTER AND GAMBLE CO COM 742718109   557,184 3,672 SH   DFND 1,2,4 0 0 3,672
REGENERON PHARMACEUTICALS COM 75886F107   216,281 301 SH   DFND 4 0 0 301
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   2,063,153 27,817 SH   DFND 4 0 0 27,817
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,343,356 99,180 SH   SOLE   0 0 99,180
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   4,798,590 36,153 SH   DFND 4 0 0 36,153
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   12,154,162 69,908 SH   DFND 4 0 0 69,908
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   3,623,380 55,676 SH   DFND 4 0 0 55,676
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   669,198 10,226 SH   DFND 4 0 0 10,226
SIRIUS XM HOLDINGS INC COM 82968B103   60,100 13,267 SH   SOLE   0 0 13,267
SPDR SER TR BLOOMBERG HIGH Y 78468R622   496,134 5,391 SH   DFND 1,4 0 0 5,391
SPDR GOLD TR GOLD SHS 78463V107   299,850 1,682 SH   DFND 4 0 0 1,682
SPDR SER TR PORTFLI INTRMDIT 78464A672   291,161 10,292 SH   DFND 4 0 0 10,292
SPDR SER TR PORTFOLIO SHORT 78464A474   208,435 7,080 SH   SOLE   0 0 7,080
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,495,039 3,373 SH   SOLE   0 0 3,373
TESLA INC COM 88160R101   577,726 2,207 SH   DFND 1, 3 0 0 2,207
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   391,035 1,381 SH   SOLE   0 0 1,381
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   226,005 4,894 SH   SOLE   0 0 4,894
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   613,263 11,271 SH   DFND 4 0 0 11,271
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   316,830 4,544 SH   DFND 4 0 0 4,544
VANGUARD INDEX FDS GROWTH ETF 922908736   41,591,572 146,988 SH   SOLE   0 0 146,988
VANGUARD INDEX FDS LARGE CAP ETF 922908637   211,843 1,045 SH   SOLE   0 0 1,045
VANGUARD WORLD FD MEGA CAP INDEX 921910873   452,416 2,892 SH   SOLE   0 0 2,892
VANGUARD WORLD FD MEGA GRWTH IND 921910816   689,401 2,930 SH   DFND 4 0 0 2,930
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   434,443 4,187 SH   DFND 4 0 0 4,187
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   206,388 1,003 SH   DFND 4 0 0 1,003
VANGUARD INDEX FDS MID CAP ETF 922908629   9,275,835 42,132 SH   DFND 4 0 0 42,132
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,256,458 3,085 SH   DFND 4 0 0 3,085
VANGUARD INDEX FDS SML CP GRW ETF 922908595   224,226 976 SH   DFND 4 0 0 976
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,978,845 30,061 SH   DFND 4 0 0 30,061
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,318,005 15,063 SH   SOLE   0 0 15,063
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   222,069 3,055 SH   DFND 4 0 0 3,055
VANGUARD WORLD FDS UTILITIES ETF 92204A876   235,292 1,655 SH   SOLE   0 0 1,655
VANGUARD INDEX FDS VALUE ETF 922908744   46,210,464 325,197 SH   SOLE   0 0 325,197
VERISK ANALYTICS INC COM 92345Y106   512,184 2,266 SH   SOLE   0 0 2,266
VERIZON COMMUNICATIONS INC COM 92343V104   467,141 12,561 SH   DFND 2,4 0 0 12,561
VISA INC COM CL A 92826C839   237,691 1,001 SH   DFND 1, 2 0 0 1,001
DISNEY WALT CO COM 254687106   206,784 2,316 SH   DFND 1, 2 0 0 2,316