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   10,006 10,000 SH   SOLE   10,000 0 0
MIRA PHARMACEUTICALS INC COM Stock 60458C104   22,750 17,500 SH   SOLE   17,500 0 0
JOHNSON & JOHNSON COM Stock 478160104   274,034 1,752 SH   SOLE   1,752 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201   830,280 12,237 SH   SOLE   12,237 0 0
VANGUARD FINANCIALS ETF ETF 92204A405   2,354,711 21,424 SH   SOLE   21,424 0 0
VIS - VANGUARD INDUSTRIALS ETF ETF 92204A603   2,612,143 10,044 SH   SOLE   10,044 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4   2,660,033 105,515 SH   SOLE   105,515 0 0
IBMR - ISHARES I BONDS DEC 2029 TERM MUNI BOND ETF ETF 46436E163   3,014,651 118,268 SH   SOLE   118,268 0 0
ISHARES IBONDS DEC 2024 TERM MUNI BOND ETF ETF 46435U697   3,494,607 133,893 SH   SOLE   133,893 0 0
IBDV - ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726   3,654,990 164,862 SH   SOLE   164,862 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   3,812,314 54,415 SH   SOLE   54,415 0 0
VHT - VANGUARD HEALTH CARE ETF ETF 92204A504   3,881,378 13,754 SH   SOLE   13,754 0 0
VDE - VANGUARD ENERGY ETF ETF 92204A306   3,932,756 32,112 SH   SOLE   32,112 0 0
APPLE INC Stock 037833100   4,414,651 18,947 SH   SOLE   18,947 0 0
IBDU - ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205   4,451,571 189,348 SH   SOLE   189,348 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515   4,884,808 191,336 SH   SOLE   191,336 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9   4,987,393 204,653 SH   SOLE   204,653 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1   5,061,440 201,651 SH   SOLE   201,651 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   5,082,709 209,165 SH   SOLE   209,165 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432   5,388,812 202,131 SH   SOLE   202,131 0 0
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   5,905,126 230,399 SH   SOLE   230,399 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259   5,944,597 231,713 SH   SOLE   231,713 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   6,310,098 247,941 SH   SOLE   247,941 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884   6,493,698 44,664 SH   SOLE   44,664 0 0
VCR - VANGUARD CONSUMER DISCRETIONARY ETF ETF 92204A108   6,760,911 19,857 SH   SOLE   19,857 0 0
VANGUARD SMALL CAP ETF ETF 922908751   8,134,405 34,292 SH   SOLE   34,292 0 0
VGT - VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   10,313,367 17,584 SH   SOLE   17,584 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595   10,968,052 41,022 SH   SOLE   41,022 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   11,754,865 58,546 SH   SOLE   58,546 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   14,319,160 299,251 SH   SOLE   299,251 0 0
ISHARES S&P 500 INDEX ETF 464287200   17,782,752 30,828 SH   SOLE   30,828 0 0
VANGUARD MID CAP ETF 922908629   17,991,623 68,194 SH   SOLE   68,194 0 0
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF ETF 922908512   22,813,850 136,064 SH   SOLE   136,064 0 0
VANGUARD MID CAP GROWTH ETF ETF 922908538   24,115,703 99,050 SH   SOLE   99,050 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   29,764,244 563,610 SH   SOLE   563,610 0 0
IVE - ISHARES S&0 500 VALUE ETF ETF 464287408   65,653,863 332,981 SH   SOLE   332,981 0 0
IVW - ISHARES S&P 500 GROWTH ETF ETF 464287309   71,815,947 750,036 SH   SOLE   750,036 0 0