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
PROSPECT CAP CORP 6.375 03/01/2025 Convertible 74348TAT9   9,963 10,000 SH   SOLE   10,000 0 0
MIRA PHARMACEUTICALS INC COM Stock 60458C104   17,517 27,500 SH   SOLE   27,500 0 0
POWERSHARES QQQ TR ETF 46090E103   210,329 439 SH   SOLE   439 0 0
VPU - VANGUARD UTILITIES ETF ETF 92204A876   217,442 1,470 SH   SOLE   1,470 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   228,057 1,920 SH   SOLE   1,920 0 0
VANGUARD MEGA CAP GROWTH ETF ETF 921910816   235,657 750 SH   SOLE   750 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   243,150 4,155 SH   SOLE   4,155 0 0
MCDONALDS CORP COM Stock 580135101   250,762 984 SH   SOLE   984 0 0
JOHNSON & JOHNSON COM Stock 478160104   256,005 1,751 SH   SOLE   1,751 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   278,156 3,480 SH   SOLE   3,480 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   282,053 3,650 SH   SOLE   3,650 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   293,094 966 SH   SOLE   966 0 0
MICROSOFT Stock 594918104   328,061 734 SH   SOLE   734 0 0
VANGUARD GROWTH ETF ETF 922908736   349,325 934 SH   SOLE   934 0 0
NVIDIA CORPORATION COM Stock 67066G104   352,089 2,850 SH   SOLE   2,850 0 0
SCHWAB US MID-CAP ETF ETF 808524508   360,819 4,636 SH   SOLE   4,636 0 0
SCHWAB US LARGE CAP GROWTH ETF ETF 808524300   402,452 3,991 SH   SOLE   3,991 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   483,704 1,327 SH   SOLE   1,327 0 0
VANGUARD MATERIALS ETF ETF 92204A801   495,829 2,574 SH   SOLE   2,574 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   525,561 2,879 SH   SOLE   2,879 0 0
AMAZON COM INC COM Stock 023135106   596,756 3,088 SH   SOLE   3,088 0 0
VANGUARD TOTAL STK MKT ETF 922908769   686,163 2,565 SH   SOLE   2,565 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201   786,227 12,237 SH   SOLE   12,237 0 0
VDC - VANGUARD CONSUMER STAPLES ETF ETF 92204A207   797,298 3,927 SH   SOLE   3,927 0 0
VSS - VANGUARD FTSE ALL WORLD EX-US SMALL CAP ETF ETF 922042718   1,079,263 9,186 SH   SOLE   9,186 0 0
VANGUARD FINANCIALS ETF ETF 92204A405   2,196,860 21,995 SH   SOLE   21,995 0 0
VIS - VANGUARD INDUSTRIALS ETF ETF 92204A603   2,628,818 11,176 SH   SOLE   11,176 0 0
IBMR - ISHARES I BONDS DEC 2029 TERM MUNI BOND ETF ETF 46436E163   2,655,644 106,824 SH   SOLE   106,824 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4   3,002,130 119,464 SH   SOLE   119,464 0 0
IBDV - ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726   3,282,416 154,394 SH   SOLE   154,394 0 0
VHT - VANGUARD HEALTH CARE ETF ETF 92204A504   3,831,464 14,404 SH   SOLE   14,404 0 0
APPLE INC Stock 037833100   3,865,508 18,353 SH   SOLE   18,353 0 0
VDE - VANGUARD ENERGY ETF ETF 92204A306   4,069,993 31,904 SH   SOLE   31,904 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   4,119,472 62,087 SH   SOLE   62,087 0 0
ISHARES IBONDS DEC 2024 TERM MUNI BOND ETF ETF 46435U697   4,208,715 161,594 SH   SOLE   161,594 0 0
IBDU - ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205   4,252,393 187,578 SH   SOLE   187,578 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515   4,656,264 187,980 SH   SOLE   187,980 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9   4,813,867 202,860 SH   SOLE   202,860 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   4,881,670 204,940 SH   SOLE   204,940 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1   4,983,211 200,451 SH   SOLE   200,451 0 0
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   5,763,156 230,342 SH   SOLE   230,342 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432   5,933,143 224,019 SH   SOLE   224,019 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259   6,165,040 243,485 SH   SOLE   243,485 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   6,168,841 246,655 SH   SOLE   246,655 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884   6,356,232 45,993 SH   SOLE   45,993 0 0
VCR - VANGUARD CONSUMER DISCRETIONARY ETF ETF 92204A108   6,369,970 20,395 SH   SOLE   20,395 0 0
VANGUARD SMALL CAP ETF ETF 922908751   7,522,598 34,501 SH   SOLE   34,501 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595   10,468,690 41,853 SH   SOLE   41,853 0 0
VGT - VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   10,561,399 18,317 SH   SOLE   18,317 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   10,959,048 60,043 SH   SOLE   60,043 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   13,140,121 300,277 SH   SOLE   300,277 0 0
ISHARES S&P 500 INDEX ETF 464287200   16,395,528 29,960 SH   SOLE   29,960 0 0
VANGUARD MID CAP ETF 922908629   16,593,049 68,538 SH   SOLE   68,538 0 0
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF ETF 922908512   20,694,354 137,568 SH   SOLE   137,568 0 0
VANGUARD MID CAP GROWTH ETF ETF 922908538   23,022,113 100,288 SH   SOLE   100,288 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   27,861,315 563,766 SH   SOLE   563,766 0 0
IVE - ISHARES S&0 500 VALUE ETF ETF 464287408   60,431,324 332,022 SH   SOLE   332,022 0 0
IVW - ISHARES S&P 500 GROWTH ETF ETF 464287309   68,996,528 745,586 SH   SOLE   745,586 0 0