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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 530 183 SH   SOLE   183 0 0
ALPHABET INC CAP STK CL C 02079K107 553 191 SH   SOLE   191 0 0
AMAZON COM INC COM 023135106 607 182 SH   SOLE   182 0 0
AMERISOURCEBERGEN CORP COM 03073E105 321 2,414 SH   SOLE   2,414 0 0
AMNEAL PHARMACEUTICALS INC COM STK CL A 03168L105 342 71,414 SH   SOLE   71,414 0 0
APPLE INC COM 037833100 357 2,008 SH   SOLE   2,008 0 0
BANK NEW YORK MELLON CORP COM 064058100 364 6,275 SH   SOLE   6,275 0 0
BECTON DICKINSON & CO COM 075887109 216 858 SH   SOLE   858 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 451 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 973 3,254 SH   SOLE   3,254 0 0
BOOKING HOLDINGS INC COM 09857L108 422 176 SH   SOLE   176 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 286 4,594 SH   SOLE   4,594 0 0
COMCAST CORP NEW CL A 20030N101 335 6,647 SH   SOLE   6,647 0 0
DBX ETF TR XTRACK USD HIGH 233051432 1,193 29,954 SH   SOLE   29,954 0 0
DBX ETF TR XTRACKERS S&P 233051143 3,099 72,658 SH   SOLE   72,658 0 0
DBX ETF TR XTRCKR MSCI US 233051150 2,022 45,561 SH   SOLE   45,561 0 0
EBAY INC. COM 278642103 291 4,371 SH   SOLE   4,371 0 0
ENBRIDGE INC COM 29250N105 509 13,036 SH   SOLE   13,036 0 0
EVERSOURCE ENERGY COM 30040W108 456 5,016 SH   SOLE   5,016 0 0
EXXON MOBIL CORP COM 30231G102 205 3,344 SH   SOLE   3,344 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 2,043 38,400 SH   SOLE   38,400 0 0
GENERAL DYNAMICS CORP COM 369550108 246 1,182 SH   SOLE   1,182 0 0
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305 709 17,851 SH   SOLE   17,851 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 750 50,019 SH   SOLE   50,019 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,703 28,899 SH   SOLE   28,899 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 4,473 11,244 SH   SOLE   11,244 0 0
IQVIA HLDGS INC COM 46266C105 338 1,197 SH   SOLE   1,197 0 0
ISHARES TR CORE MSCI INTL 46435G326 1,113 16,471 SH   SOLE   16,471 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,014 7,652 SH   SOLE   7,652 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 1,160 10,090 SH   SOLE   10,090 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,488 13,046 SH   SOLE   13,046 0 0
ISHARES TR SELECT DIVID ETF 464287168 1,785 14,563 SH   SOLE   14,563 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 5,077 62,758 SH   SOLE   62,758 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,987 25,878 SH   SOLE   25,878 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 5,558 78,343 SH   SOLE   78,343 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 3,324 22,838 SH   SOLE   22,838 0 0
ISHARES TR MSCI USA MMENTM 46432F396 2,252 12,385 SH   SOLE   12,385 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 587 11,143 SH   SOLE   11,143 0 0
JOHNSON & JOHNSON COM 478160104 306 1,789 SH   SOLE   1,789 0 0
JPMORGAN CHASE & CO COM 46625H100 445 2,812 SH   SOLE   2,812 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 39 15,398 SH   SOLE   15,398 0 0
MASTERCARD INCORPORATED CL A 57636Q104 345 960 SH   SOLE   960 0 0
META PLATFORMS INC CL A 30303M102 624 1,855 SH   SOLE   1,855 0 0
MICROSOFT CORP COM 594918104 433 1,286 SH   SOLE   1,286 0 0
NETFLIX INC COM 64110L106 348 577 SH   SOLE   577 0 0
NEW YORK CMNTY BANCORP INC COM 649445103 540 44,188 SH   SOLE   44,188 0 0
NOVARTIS AG SPONSORED ADR 66987V109 207 2,366 SH   SOLE   2,366 0 0
ORACLE CORP COM 68389X105 236 2,708 SH   SOLE   2,708 0 0
PHILIP MORRIS INTL INC COM 718172109 304 3,202 SH   SOLE   3,202 0 0
ROBLOX CORP CL A 771049103 204 1,974 SH   SOLE   1,974 0 0
SCHWAB CHARLES CORP COM 808513105 240 2,857 SH   SOLE   2,857 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,945 162,954 SH   SOLE   162,954 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 2,143 29,575 SH   SOLE   29,575 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 2,614 62,233 SH   SOLE   62,233 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 849 20,153 SH   SOLE   20,153 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 2,939 59,080 SH   SOLE   59,080 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,027 28,399 SH   SOLE   28,399 0 0
SPDR SER TR BLOOMBERG CONV 78464A359 297 3,584 SH   SOLE   3,584 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 446 16,424 SH   SOLE   16,424 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 887 19,434 SH   SOLE   19,434 0 0
TESLA INC COM 88160R101 206 195 SH   SOLE   195 0 0
UNILEVER PLC SPON ADR NEW 904767704 205 3,810 SH   SOLE   3,810 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 1,488 45,130 SH   SOLE   45,130 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 2,127 20,667 SH   SOLE   20,667 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 556 6,344 SH   SOLE   6,344 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,237 27,677 SH   SOLE   27,677 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,420 46,724 SH   SOLE   46,724 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,661 32,319 SH   SOLE   32,319 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 1,572 11,227 SH   SOLE   11,227 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801 5,231 26,568 SH   SOLE   26,568 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 4,713 30,134 SH   SOLE   30,134 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 5,021 18,845 SH   SOLE   18,845 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 5,467 56,615 SH   SOLE   56,615 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 5,861 75,520 SH   SOLE   75,520 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 4,847 24,248 SH   SOLE   24,248 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 4,902 24,155 SH   SOLE   24,155 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 5,258 15,434 SH   SOLE   15,434 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 3,129 23,079 SH   SOLE   23,079 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 5,498 12,001 SH   SOLE   12,001 0 0
VISA INC COM CL A 92826C839 333 1,537 SH   SOLE   1,537 0 0
WELLS FARGO CO NEW COM 949746101 242 5,047 SH   SOLE   5,047 0 0
WISDOMTREE TR YIELD ENHANCD US 97717X511 730 14,117 SH   SOLE   14,117 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 2,610 39,633 SH   SOLE   39,633 0 0