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
INVESCO QQQ TRUST ETF 46090E103   2,490,535 9,353 SH   SOLE 0 9,353 0 0
JOHNSON & JOHNSON COM Stock 478160104   722,133 4,088 SH   SOLE 0 4,087 0 0
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282   540,904 13,866 SH   SOLE 0 13,865 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   244,228 535 SH   SOLE 0 535 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104   257,535 750 SH   SOLE 0 750 0 0
SHELL PLC SPON ADS ADR 780259305   249,498 4,381 SH   SOLE 0 4,381 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   565,103 3,729 SH   SOLE 0 3,728 0 0
INTEL CORP COM Stock 458140100   280,264 10,604 SH   SOLE 0 10,604 0 0
MERCK & CO INC COM Stock 58933Y105   445,242 4,013 SH   SOLE 0 4,013 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   287,205 751 SH   SOLE 0 751 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109   1,965,076 8,920 SH   SOLE 0 8,920 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109   3,525 16,000 SH Put SOLE 0 16,000 0 0
ISHARES TIPS BOND ETF ETF 464287176   1,488,883 13,988 SH   SOLE 0 13,988 0 0
ISHARES S&P 100 ETF ETF 464287101   203,319 1,192 SH   SOLE 0 1,192 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   272,136 6,907 SH   SOLE 0 6,907 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   3,874,099 95,633 SH   SOLE 0 95,633 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,123,622 25,075 SH   SOLE 0 25,075 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   663,757 20,607 SH   SOLE 0 20,607 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE ETF ETF 72201R833   1,217,336 12,340 SH   SOLE 0 12,339 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   735,182 2,380 SH   SOLE 0 2,380 0 0
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101   220,764 656 SH   SOLE 0 656 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   894,930 11,546 SH   SOLE 0 11,546 0 0
INTUIT COM Stock 461202103   281,017 722 SH   SOLE 0 722 0 0
JP MORGAN US VALUE FACTOR ETF ETF 46641Q753   5,762,019 173,869 SH   SOLE 0 173,869 0 0
MICROSOFT CORP COM Stock 594918104   875,970 3,653 SH   SOLE 0 3,652 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   222,005 895 SH   SOLE 0 895 0 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   1,634,391 33,880 SH   SOLE 0 33,880 0 0
DEFIANCE NEXT GEN CONNECTIVITY ETF ETF 26922A289   207,684 6,953 SH   SOLE 0 6,952 0 0
LILLY ELI & CO COM Stock 532457108   1,697,498 4,640 SH   SOLE 0 4,640 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   1,191,055 6,831 SH   SOLE 0 6,831 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   1,497,457 12,417 SH   SOLE 0 12,416 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   298,230 3,948 SH   SOLE 0 3,947 0 0
INVESTCO S&P 500 GARP ETF ETF 46137V431   6,984,656 84,560 SH   SOLE 0 84,560 0 0
VANGUARD VALUE ETF ETF 922908744   500,138 3,563 SH   SOLE 0 3,563 0 0
JPMORGAN INCOME ETF ETF 46641Q159   11,889,120 263,500 SH   SOLE 0 263,500 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   12,445,475 146,763 SH   SOLE 0 146,762 0 0
META PLATFORMS INC CL A Stock 30303M102   229,729 1,909 SH   SOLE 0 1,909 0 0
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643   19,756,188 304,363 SH   SOLE 0 304,362 0 0
ISHARES GNMA BOND ETF ETF 46429B333   705,261 16,211 SH   SOLE 0 16,211 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   5,166,845 83,823 SH   SOLE 0 83,822 0 0
CF INDS HLDGS INC COM Stock 125269100   227,399 2,669 SH   SOLE 0 2,669 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   228,789 4,563 SH   SOLE 0 4,563 0 0
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343   2,729,210 112,545 SH   SOLE 0 112,544 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608   211,734 5,177 SH   SOLE 0 5,176 0 0
MCDONALDS CORP COM Stock 580135101   770,825 2,925 SH   SOLE 0 2,925 0 0
CISCO SYS INC COM Stock 17275R102   284,363 5,969 SH   SOLE 0 5,969 0 0
SCHWAB FUNDAMENTAL US LARGE CO. INDEX ETF ETF 808524771   19,624,026 367,216 SH   SOLE 0 367,216 0 0
ISHARES EDGE MSCI USA MOMENTUM FACTOR ETF ETF 46432F396   1,264,488 8,665 SH   SOLE 0 8,665 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   6,944,602 118,711 SH   SOLE 0 118,711 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   566,983 1,476 SH   SOLE 0 1,475 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   310,038 563 SH   SOLE 0 563 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   316,208 2,358 SH   SOLE 0 2,358 0 0
CHEVRON CORP NEW COM Stock 166764100   505,412 2,816 SH   SOLE 0 2,815 0 0
CONOCOPHILLIPS COM Stock 20825C104   205,436 1,741 SH   SOLE 0 1,740 0 0
BANK AMERICA CORP COM Stock 060505104   239,689 7,237 SH   SOLE 0 7,237 0 0
WALMART INC COM Stock 931142103   224,028 1,580 SH   SOLE 0 1,580 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   790,896 29,120 SH   SOLE 0 29,119 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   614,562 4,362 SH   SOLE 0 4,362 0 0
PFIZER INC COM Stock 717081103   323,119 6,306 SH   SOLE 0 6,306 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   457,566 4,340 SH   SOLE 0 4,340 0 0
MORGAN STANLEY COM NEW Stock 617446448   232,275 2,732 SH   SOLE 0 2,732 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388   246,898 2,709 SH   SOLE 0 2,709 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   382,249 4,308 SH   SOLE 0 4,308 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258   3,439,386 44,106 SH   SOLE 0 44,106 0 0
UNITED MICROELECTRONICS CORP SPON ADR NEW ADR 910873405   100,562 15,400 SH   SOLE 0 15,400 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   405,147 2,668 SH   SOLE 0 2,668 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   461,090 4,754 SH   SOLE 0 4,753 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   401,877 5,884 SH   SOLE 0 5,884 0 0
NUCOR CORP COM Stock 670346105   316,080 2,398 SH   SOLE 0 2,398 0 0
ALTRIA GROUP INC COM Stock 02209S103   237,692 5,200 SH   SOLE 0 5,200 0 0
EXXON MOBIL CORP COM Stock 30231G102   234,167 2,123 SH   SOLE 0 2,123 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   517,663 2,140 SH   SOLE 0 2,140 0 0
APPLE INC COM Stock 037833100   2,107,205 16,218 SH   SOLE 0 16,218 0 0
ABBOTT LABS COM Stock 002824100   273,487 2,491 SH   SOLE 0 2,491 0 0
VANECK MORNINGSTAR INTERNATIONAL MOAT ETF ETF 92189F593   231,695 8,007 SH   SOLE 0 8,007 0 0