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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   367,260 2,084 SH   SOLE   2,084 0 0
AMAZON COM INC COM 023135106   372,085 1,696 SH   SOLE   1,696 0 0
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   332,076 17,646 SH   SOLE   17,646 0 0
APPLE INC COM 037833100   1,767,040 8,612 SH   SOLE   8,612 0 0
BANK AMERICA CORP COM 060505104   595,788 12,590 SH   SOLE   12,590 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   489,389 1,007 SH   SOLE   1,007 0 0
BROADCOM INC COM 11135F101   1,068,618 3,877 SH   SOLE   3,877 0 0
COSTCO WHSL CORP NEW COM 22160K105   402,052 406 SH   SOLE   406 0 0
FIDELITY WISE ORIGIN BITCOIN SHS 315948109   571,384 6,079 SH   SOLE   6,079 0 0
GOLDMAN SACHS PHYSICAL GOLD UNIT 38150K103   1,299,092 39,752 SH   SOLE   39,752 0 0
HYPERFINE INC COM CL A 44916K106   7,607 10,571 SH   SOLE   10,571 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   209,001 1,150 SH   SOLE   1,150 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   986,521 1,788 SH   SOLE   1,788 0 0
ISHARES GOLD TR ISHARES NEW 464285204   288,240 4,622 SH   SOLE   4,622 0 0
ISHARES INC CORE MSCI EMKT 46434G103   7,605,025 126,688 SH   SOLE   126,688 0 0
ISHARES TR EAFE GRWTH ETF 464288885   410,256 3,663 SH   SOLE   3,663 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   470,215 3,558 SH   SOLE   3,558 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   1,000,188 3,497 SH   SOLE   3,497 0 0
ISHARES TR IBONDS DEC 2035 46438G372   216,305 8,439 SH   SOLE   8,439 0 0
ISHARES TR S&P MC 400GR ETF 464287606   5,682,255 62,455 SH   SOLE   62,455 0 0
ISHARES TR CORE MSCI EAFE 46432F842   19,366,458 231,992 SH   SOLE   231,992 0 0
ISHARES TR IBONDS DEC 29 46436E205   7,024,310 301,086 SH   SOLE   301,086 0 0
ISHARES TR CORE S&P MCP ETF 464287507   14,773,168 238,202 SH   SOLE   238,202 0 0
ISHARES TR SELECT DIVID ETF 464287168   3,325,282 25,042 SH   SOLE   25,042 0 0
ISHARES TR IBONDS 28 TR HI 46436E387   225,455 9,501 SH   SOLE   9,501 0 0
ISHARES TR IBONDS DEC 2031 46436E460   211,705 10,327 SH   SOLE   10,327 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   2,826,893 36,566 SH   SOLE   36,566 0 0
ISHARES TR S&P 500 VAL ETF 464287408   12,000,135 61,403 SH   SOLE   61,403 0 0
ISHARES TR CORE S&P SCP ETF 464287804   14,139,726 129,381 SH   SOLE   129,381 0 0
ISHARES TR PFD AND INCM SEC 464288687   837,613 27,300 SH   SOLE   27,300 0 0
ISHARES TR IBOND DEC 2030 46436E593   305,357 15,391 SH   SOLE   15,391 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   21,788,716 197,901 SH   SOLE   197,901 0 0
ISHARES TR U.S. TECH ETF 464287721   211,229 1,219 SH   SOLE   1,219 0 0
ISHARES TR EAFE SML CP ETF 464288273   1,380,623 18,996 SH   SOLE   18,996 0 0
ISHARES TR CORE DIV GRWTH 46434V621   3,374,917 52,783 SH   SOLE   52,783 0 0
ISHARES TR IBONDS DEC 2034 46438G653   5,562,839 212,891 SH   SOLE   212,891 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   4,538,441 186,999 PRN   SOLE   186,999 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   4,100,019 9,658 SH   SOLE   9,658 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   936,946 21,720 SH   SOLE   21,720 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   319,831 1,481 SH   SOLE   1,481 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   4,601,558 181,021 SH   SOLE   181,021 0 0
ISHARES TR IBONDS DEC 2033 46436E130   6,306,575 243,451 SH   SOLE   243,451 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   725,413 4,599 SH   SOLE   4,599 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   4,329,113 178,520 PRN   SOLE   178,520 0 0
ISHARES TR SP SMCP600VL ETF 464287879   209,996 2,113 SH   SOLE   2,113 0 0
ISHARES TR IBONDS DEC 2031 46436E486   6,986,266 332,049 SH   SOLE   332,049 0 0
ISHARES TR EXPND TEC SC ETF 464287549   561,231 4,996 SH   SOLE   4,996 0 0
ISHARES TR CORE S&P US VLU 464287663   2,741,255 28,967 SH   SOLE   28,967 0 0
ISHARES TR US HLTHCARE ETF 464287762   224,684 3,978 SH   SOLE   3,978 0 0
ISHARES TR MSCI EAFE ETF 464287465   807,888 9,038 SH   SOLE   9,038 0 0
ISHARES TR IBONDS DEC 2032 46436E296   252,501 10,964 SH   SOLE   10,964 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   891,137 4,590 SH   SOLE   4,590 0 0
ISHARES TR CORE S&P TTL STK 464287150   2,092,657 15,496 SH   SOLE   15,496 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   797,368 15,628 SH   SOLE   15,628 0 0
ISHARES TR CORE S&P500 ETF 464287200   51,720,587 83,300 SH   SOLE   83,300 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   1,065,420 11,350 SH   SOLE   11,350 0 0
ISHARES TR RUS MID CAP ETF 464287499   357,636 3,889 SH   SOLE   3,889 0 0
ISHARES TR IBONDS DEC 2032 46436E312   7,039,613 278,413 SH   SOLE   278,413 0 0
ISHARES TR S&P SML 600 GWT 464287887   4,438,350 33,361 SH   SOLE   33,361 0 0
ISHARES TR MSCI ACWI EX US 464288240   288,939 4,742 SH   SOLE   4,742 0 0
ISHARES TR S&P MC 400VL ETF 464287705   2,477,090 20,045 SH   SOLE   20,045 0 0
ISHARES TR IBONDS DEC 2030 46436E726   7,027,254 319,710 SH   SOLE   319,710 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   4,548,996 180,660 PRN   SOLE   180,660 0 0
ISHARES TR IBONDS 29 TRM TS 46436E825   211,967 9,670 SH   SOLE   9,670 0 0
ISHARES TR U.S. REAL ES ETF 464287739   979,255 10,333 SH   SOLE   10,333 0 0
JOHNSON & JOHNSON COM 478160104   200,802 1,315 SH   SOLE   1,315 0 0
JPMORGAN CHASE & CO. COM 46625H100   116,236,646 400,939 SH   SOLE   400,939 0 0
MICROSOFT CORP COM 594918104   2,132,535 4,287 SH   SOLE   4,287 0 0
NVIDIA CORPORATION COM 67066G104   565,118 3,576 SH   SOLE   3,576 0 0
PROCTER AND GAMBLE CO COM 742718109   656,811 4,123 SH   SOLE   4,123 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   520,295 2,055 SH   SOLE   2,055 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   553,318 1,257 SH   SOLE   1,257 0 0
SPDR GOLD TR GOLD SHS 78463V107   319,444 1,048 SH   SOLE   1,048 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,838,601 11,070 SH   SOLE   11,070 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   290,621 514 SH   SOLE   514 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   334,708 1,774 SH   SOLE   1,774 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   476,695 1,202 SH   SOLE   1,202 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,021,716 6,213 SH   SOLE   6,213 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   254,477 2,856 SH   SOLE   2,856 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,737,090 8,907 SH   SOLE   8,907 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   265,692 606 SH   SOLE   606 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   769,238 8,820 SH   SOLE   8,820 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   548,612 2,681 SH   SOLE   2,681 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   349,410 6,129 SH   SOLE   6,129 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876   1,756,974 9,953 SH   SOLE   9,953 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   361,044 545 SH   SOLE   545 0 0