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
ABBVIE INC COM 00287Y109   48,332 272 SH   SOLE   0 0 272
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   183,981 523 SH   SOLE   0 0 523
ADOBE INC COM 00724F101   48,914 110 SH   SOLE   0 0 110
ADVANCED MICRO DEVICES INC COM 007903107   18,118 150 SH   SOLE   0 0 150
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   20,348 240 SH   SOLE   0 0 240
ALLSTATE CORP COM 020002101   15,230 79 SH   SOLE   0 0 79
ALPHABET INC CAP STK CL C 02079K107   76,176 400 SH   SOLE   0 0 400
ALPHABET INC CAP STK CL A 02079K305   668,229 3,530 SH   SOLE   0 0 3,530
AMAZON COM INC COM 023135106   362,650 1,653 SH   SOLE   0 0 1,653
AMERICAN EXPRESS CO COM 025816109   35,614 120 SH   SOLE   0 0 120
AMERICAN TOWER CORP NEW COM 03027X100   29,161 159 SH   SOLE   0 0 159
APPLE INC COM 037833100   657,346 2,625 SH   SOLE   0 0 2,625
ARK ETF TR INNOVATION ETF 00214Q104   47,686 840 SH   SOLE   0 0 840
BANK NEW YORK MELLON CORP COM 064058100   42,179 549 SH   SOLE   0 0 549
BANK AMERICA CORP COM 060505104   4,395 100 SH   SOLE   0 0 100
BANK NOVA SCOTIA COM 064149107   14,504 270 SH   SOLE   0 0 270
BAXTER INTL INC COM 071813109   3,382 116 SH   SOLE   0 0 116
BCE INC COM NEW 05534B760   8,666 260 SH   SOLE   0 0 260
BECTON DICKINSON & CO COM 075887109   30,173 133 SH   SOLE   0 0 133
BELLRING BRANDS INC COMMON STOCK 07831C103   14,236 189 SH   SOLE   0 0 189
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   24,930 55 SH   SOLE   0 0 55
BIOGEN INC COM 09062X103   3,823 25 SH   SOLE   0 0 25
BOEING CO COM 097023105   86,730 490 SH   SOLE   0 0 490
BP PLC SPONSORED ADR 055622104   3,635 123 SH   SOLE   0 0 123
BREAD FINANCIAL HOLDINGS INC COM 018581108   1,648 27 SH   SOLE   0 0 27
CANADIAN PACIFIC KANSAS COM 13646K108   37,632 520 SH   SOLE   0 0 520
CARDINAL HEALTH INC COM 14149Y108   24,005 203 SH   SOLE   0 0 203
CARRIER GLOBAL CORPORATION COM 14448C104   19,109 280 SH   SOLE   0 0 280
CHEMOURS CO COM 163851108   3,684 218 SH   SOLE   0 0 218
CHEVRON CORP NEW COM 166764100   9,704 67 SH   SOLE   0 0 67
THE CIGNA GROUP COM 125523100   24,851 90 SH   SOLE   0 0 90
CISCO SYS INC COM 17275R102   17,700 299 SH   SOLE   0 0 299
CITIGROUP INC COM NEW 172967424   26,674 379 SH   SOLE   0 0 379
COCA COLA CO COM 191216100   31,998 514 SH   SOLE   0 0 514
COMCAST CORP NEW CL A 20030N101   25,820 688 SH   SOLE   0 0 688
CONSTELLATION BRANDS INC CL A 21036P108   33,813 153 SH   SOLE   0 0 153
CORPAY INC COM SHS 219948106   27 27 SH   SOLE   0 0 27
CORTEVA INC COM 22052L104   62,596 1,099 SH   SOLE   0 0 1,099
COSTCO WHSL CORP NEW COM 22160K105   158,512 173 SH   SOLE   0 0 173
CVS HEALTH CORP COM 126650100   9,965 222 SH   SOLE   0 0 222
DANAHER CORPORATION COM 235851102   12,625 55 SH   SOLE   0 0 55
DELTA AIR LINES INC DEL COM NEW 247361702   1,210 20 SH   SOLE   0 0 20
DIAGEO PLC SPON ADR NEW 25243Q205   11,441 90 SH   SOLE   0 0 90
DICKS SPORTING GOODS INC COM 253393102   31,351 137 SH   SOLE   0 0 137
DOW INC COM 260557103   59,306 1,478 SH   SOLE   0 0 1,478
DROPBOX INC CL A 26210C104   4,506 150 SH   SOLE   0 0 150
DUKE ENERGY CORP NEW COM NEW 26441C204   3,663 34 SH   SOLE   0 0 34
DUPONT DE NEMOURS INC COM 26614N102   104,229 1,367 SH   SOLE   0 0 1,367
EATON CORP PLC SHS G29183103   13,938 42 SH   SOLE   0 0 42
ECOLAB INC COM 278865100   41,708 178 SH   SOLE   0 0 178
EOG RES INC COM 26875P101   6,987 57 SH   SOLE   0 0 57
LAUDER ESTEE COS INC CL A 518439104   2,249 30 SH   SOLE   0 0 30
ETF SER SOLUTIONS APTUS COLLRD INV 26922A222   82,089 2,040 SH   SOLE   0 0 2,040
EXXON MOBIL CORP COM 30231G102   21,513 200 SH   SOLE   0 0 200
FEDEX CORP COM 31428X106   11,534 41 SH   SOLE   0 0 41
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   100,479 2,173 SH   SOLE   0 0 2,173
FISERV INC COM 337738108   10,476 51 SH   SOLE   0 0 51
FLEXSHARES TR MORNSTAR UPSTR 33939L407   36,360 1,000 SH   SOLE   0 0 1,000
FMC CORP COM NEW 302491303   1,506 31 SH   SOLE   0 0 31
FOX CORP CL A COM 35137L105   4,080 84 SH   SOLE   0 0 84
FRANKLIN RESOURCES INC COM 354613101   9,247 455 SH   SOLE   0 0 455
GE AEROSPACE COM NEW 369604301   90,728 544 SH   SOLE   0 0 544
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   11,020 141 SH   SOLE   0 0 141
GE VERNOVA INC COM 36828A101   43,414 132 SH   SOLE   0 0 132
GENERAL DYNAMICS CORP COM 369550108   19,234 73 SH   SOLE   0 0 73
GENERAL MLS INC COM 370334104   5,101 80 SH   SOLE   0 0 80
GENERAL MTRS CO COM 37045V100   132,529 2,488 SH   SOLE   0 0 2,488
GILEAD SCIENCES INC COM 375558103   18,287 198 SH   SOLE   0 0 198
HEWLETT PACKARD ENTERPRISE C COM 42824C109   28,200 1,321 SH   SOLE   0 0 1,321
HOME DEPOT INC COM 437076102   171,151 440 SH   SOLE   0 0 440
ETF OPPORTUNITIES TRUST IDX DYNAMIC INNO 26923N678   381,328 13,614 SH   SOLE   0 0 13,614
INTERCONTINENTAL EXCHANGE IN COM 45866F104   24,437 164 SH   SOLE   0 0 164
INTERNATIONAL BUSINESS MACHS COM 459200101   15,387 70 SH   SOLE   0 0 70
INVESCO QQQ TR UNIT SER 1 46090E103   102,244 200 SH   SOLE   0 0 200
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   93,312 8,093 SH   SOLE   0 0 8,093
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   124,301 2,573 SH   SOLE   0 0 2,573
INVESCO EXCH TRADED FD TR II S&P SMLCAP HIG 46138E131   22,479 1,545 SH   SOLE   0 0 1,545
ISHARES TR ISHARES BIOTECH 464287556   26,442 200 SH   SOLE   0 0 200
ISHARES TR TIPS BD ETF 464287176   90,885 853 SH   SOLE   0 0 853
ISHARES TR A RATE CP BD ETF 46429B291   374,179 7,997 SH   SOLE   0 0 7,997
ISHARES TR CORE US AGGBD ET 464287226   30,717 317 SH   SOLE   0 0 317
ISHARES TR EM MKTS DIV ETF 464286319   16,272 630 SH   SOLE   0 0 630
ISHARES TR IBOXX INV CP ETF 464287242   158,976 1,488 SH   SOLE   0 0 1,488
ISHARES TR IBOXX HI YD ETF 464288513   22,572 287 SH   SOLE   0 0 287
ISHARES TR MBS ETF 464288588   5,592 61 SH   SOLE   0 0 61
ISHARES TR MSCI EAFE ETF 464287465   32,209 426 SH   SOLE   0 0 426
ISHARES TR RUSSELL 2000 ETF 464287655   56,341 255 SH   SOLE   0 0 255
ISHARES TR RUS MID CAP ETF 464287499   18,210 206 SH   SOLE   0 0 206
ISHARES TR SELECT DIVID ETF 464287168   16,673 127 SH   SOLE   0 0 127
ISHARES TR FALN ANGLS USD 46435G474   105,531 3,951 SH   SOLE   0 0 3,951
ISHARES TR 0-3 MNTH TREASRY 46436E718   1,026,481 10,232 SH   SOLE   0 0 10,232
ISHARES TR GSCI CMDTY STGY 46431W853   1,948 77 SH   SOLE   0 0 77
JPMORGAN CHASE & CO COM 46625H100   185,532 774 SH   SOLE   0 0 774
KRATOS DEFENSE & SEC SOLUTIO COM NEW 50077B207   20,734 786 SH   SOLE   0 0 786
LINDE PLC SHS G54950103   50,239 120 SH   SOLE   0 0 120
LOGITECH INTL S A SHS H50430232   26,352 320 SH   SOLE   0 0 320
LOWES COS INC COM 548661107   10,365 42 SH   SOLE   0 0 42
MARTIN MARIETTA MATLS INC COM 573284106   67,145 130 SH   SOLE   0 0 130
MASCO CORP COM 574599106   11,030 152 SH   SOLE   0 0 152
MCDONALDS CORP COM 580135101   83,195 287 SH   SOLE   0 0 287
MEDTRONIC PLC SHS G5960L103   8,467 106 SH   SOLE   0 0 106
META PLATFORMS INC CL A 30303M102   23,420 40 SH   SOLE   0 0 40
MICROSOFT CORP COM 594918104   169,442 402 SH   SOLE   0 0 402
MONDELEZ INTL INC CL A 609207105   10,034 168 SH   SOLE   0 0 168
NETFLIX INC COM 64110L106   75,759 85 SH   SOLE   0 0 85
NIKE INC CL B 654106103   2,270 30 SH   SOLE   0 0 30
NORFOLK SOUTHN CORP COM 655844108   9,857 42 SH   SOLE   0 0 42
NOVARTIS AG SPONSORED ADR 66987V109   17,515 180 SH   SOLE   0 0 180
NUCOR CORP COM 670346105   17,388 149 SH   SOLE   0 0 149
NVIDIA CORPORATION COM 67066G104   228,293 1,700 SH   SOLE   0 0 1,700
NXP SEMICONDUCTORS N V COM N6596X109   23,694 114 SH   SOLE   0 0 114
NEW YORK LIFE INVESTMENTS ET NYLI HEDGE MULTI 45409B107   1,044,179 33,243 SH   SOLE   0 0 33,243
ORACLE CORP COM 68389X105   68,821 413 SH   SOLE   0 0 413
OTIS WORLDWIDE CORP COM 68902V107   11,482 124 SH   SOLE   0 0 124
PAYCHEX INC COM 704326107   30,705 219 SH   SOLE   0 0 219
PEPSICO INC COM 713448108   18,247 120 SH   SOLE   0 0 120
PFIZER INC COM 717081103   2,679 101 SH   SOLE   0 0 101
POST HLDGS INC COM 737446104   21,745 190 SH   SOLE   0 0 190
PROCTER AND GAMBLE CO COM 742718109   66,388 396 SH   SOLE   0 0 396
PROSHARES TR BITCOIN ETF 74347G440   3,986 175 SH   SOLE   0 0 175
REGENERON PHARMACEUTICALS COM 75886F107   28,493 40 SH   SOLE   0 0 40
RTX CORPORATION COM 75513E101   33,441 289 SH   SOLE   0 0 289
SALESFORCE INC COM 79466L302   117,349 351 SH   SOLE   0 0 351
SCHWAB CHARLES CORP COM 808513105   8,955 121 SH   SOLE   0 0 121
SOUTHWEST AIRLS CO COM 844741108   4,706 140 SH   SOLE   0 0 140
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   117,670 1,287 SH   SOLE   0 0 1,287
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   10,368 450 SH   SOLE   0 0 450
SPDR GOLD TR GOLD SHS 78463V107   205,808 850 SH   SOLE   0 0 850
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   118,023 2,309 SH   SOLE   0 0 2,309
SPDR S&P 500 ETF TR TR UNIT 78462F103   84,981 145 SH   SOLE   0 0 145
SPDR SER TR DJ REIT ETF 78464A607   17,003 172 SH   SOLE   0 0 172
SPDR SER TR S&P DIVID ETF 78464A763   142,402 1,078 SH   SOLE   0 0 1,078
STARBUCKS CORP COM 855244109   40,513 444 SH   SOLE   0 0 444
TESLA INC COM 88160R101   121,152 300 SH   SOLE   0 0 300
THERMO FISHER SCIENTIFIC INC COM 883556102   26,011 50 SH   SOLE   0 0 50
TJX COS INC NEW COM 872540109   10,148 84 SH   SOLE   0 0 84
T-MOBILE US INC COM 872590104   1,324 6 SH   SOLE   0 0 6
UBIQUITI INC COM 90353W103   57,091 172 SH   SOLE   0 0 172
UNITED PARCEL SERVICE INC CL B 911312106   27,110 215 SH   SOLE   0 0 215
UNITEDHEALTH GROUP INC COM 91324P102   96,618 191 SH   SOLE   0 0 191
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   7,482 261 SH   SOLE   0 0 261
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   80,528 1,684 SH   SOLE   0 0 1,684
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,178 163 SH   SOLE   0 0 163
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,228,741 17,468 SH   SOLE   0 0 17,468
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,285,124 6,097 SH   SOLE   0 0 6,097
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   66,783 832 SH   SOLE   0 0 832
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   53,421 787 SH   SOLE   0 0 787
VANGUARD INDEX FDS LARGE CAP ETF 922908637   27,779 103 SH   SOLE   0 0 103
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   89,710 1,150 SH   SOLE   0 0 1,150
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,071,408 4,459 SH   SOLE   0 0 4,459
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,899,785 32,238 SH   SOLE   0 0 32,238
VERALTO CORP COM SHS 92338C103   1,833 18 SH   SOLE   0 0 18
VERSABANK NEW COM 92512J106   180,050 13,000 SH   SOLE   0 0 13,000
VIATRIS INC COM 92556V106   298 24 SH   SOLE   0 0 24
VISA INC COM CL A 92826C839   34,763 110 SH   SOLE   0 0 110
WALGREENS BOOTS ALLIANCE INC COM 931427108   1,977 212 SH   SOLE   0 0 212
WALMART INC COM 931142103   230,660 2,553 SH   SOLE   0 0 2,553
DISNEY WALT CO COM 254687106   163,345 1,467 SH   SOLE   0 0 1,467
WARNER BROS DISCOVERY INC COM SER A 934423104   568 54 SH   SOLE   0 0 54
WELLS FARGO CO NEW COM 949746101   14,539 207 SH   SOLE   0 0 207
WISDOMTREE TR JAPN HEDGE EQT 97717W851   126,500 1,147 SH   SOLE   0 0 1,147
WIX COM LTD SHS M98068105   5,363 25 SH   SOLE   0 0 25
ZIMMER BIOMET HOLDINGS INC COM 98956P102   6,443 61 SH   SOLE   0 0 61