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 570 205 SH   SOLE   205 0 0
ALPHABET INC CAP STK CL C 02079K107 539 193 SH   SOLE   193 0 0
AMAZON COM INC COM 023135106 619 190 SH   SOLE   190 0 0
AMERISOURCEBERGEN CORP COM 03073E105 395 2,552 SH   SOLE   2,552 0 0
AMNEAL PHARMACEUTICALS INC COM STK CL A 03168L105 298 71,414 SH   SOLE   71,414 0 0
APPLE INC COM 037833100 351 2,008 SH   SOLE   2,008 0 0
BANK NEW YORK MELLON CORP COM 064058100 309 6,232 SH   SOLE   6,232 0 0
BECTON DICKINSON & CO COM 075887109 231 870 SH   SOLE   870 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 529 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,124 3,184 SH   SOLE   3,184 0 0
BOOKING HOLDINGS INC COM 09857L108 430 183 SH   SOLE   183 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 357 4,886 SH   SOLE   4,886 0 0
CARMAX INC COM 143130102 332 3,441 SH   SOLE   3,441 0 0
COLUMBIA ETF TR I DIVERSIFID FXD 19761L508 625 32,080 SH   SOLE   32,080 0 0
COMCAST CORP NEW CL A 20030N101 315 6,724 SH   SOLE   6,724 0 0
DBX ETF TR XTRACKERS S&P 233051143 2,719 66,373 SH   SOLE   66,373 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 352 14,110 SH   SOLE   14,110 0 0
EBAY INC. COM 278642103 253 4,411 SH   SOLE   4,411 0 0
ENBRIDGE INC COM 29250N105 629 13,653 SH   SOLE   13,653 0 0
EVERSOURCE ENERGY COM 30040W108 442 5,016 SH   SOLE   5,016 0 0
EXXON MOBIL CORP COM 30231G102 274 3,322 SH   SOLE   3,322 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 213 2,121 SH   SOLE   2,121 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 502 26,377 SH   SOLE   26,377 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 1,861 37,543 SH   SOLE   37,543 0 0
GENERAL DYNAMICS CORP COM 369550108 281 1,164 SH   SOLE   1,164 0 0
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305 747 20,296 SH   SOLE   20,296 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,665 29,581 SH   SOLE   29,581 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 5,062 13,963 SH   SOLE   13,963 0 0
IQVIA HLDGS INC COM 46266C105 303 1,310 SH   SOLE   1,310 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 624 10,128 SH   SOLE   10,128 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,270 21,046 SH   SOLE   21,046 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,129 9,337 SH   SOLE   9,337 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 1,853 17,245 SH   SOLE   17,245 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,246 11,630 SH   SOLE   11,630 0 0
ISHARES TR SELECT DIVID ETF 464287168 2,856 22,292 SH   SOLE   22,292 0 0
ISHARES TR INTL SEL DIV ETF 464288448 616 19,396 SH   SOLE   19,396 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 4,260 54,923 SH   SOLE   54,923 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,686 25,321 SH   SOLE   25,321 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 2,293 17,032 SH   SOLE   17,032 0 0
JOHNSON & JOHNSON COM 478160104 343 1,937 SH   SOLE   1,937 0 0
JPMORGAN CHASE & CO COM 46625H100 390 2,864 SH   SOLE   2,864 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 41 17,054 SH   SOLE   17,054 0 0
LOCKHEED MARTIN CORP COM 539830109 205 465 SH   SOLE   465 0 0
MASTERCARD INCORPORATED CL A 57636Q104 384 1,074 SH   SOLE   1,074 0 0
META PLATFORMS INC CL A 30303M102 430 1,936 SH   SOLE   1,936 0 0
MICROSOFT CORP COM 594918104 501 1,626 SH   SOLE   1,626 0 0
NETFLIX INC COM 64110L106 226 602 SH   SOLE   602 0 0
NEW YORK CMNTY BANCORP INC COM 649445103 474 44,188 SH   SOLE   44,188 0 0
NOVARTIS AG SPONSORED ADR 66987V109 205 2,333 SH   SOLE   2,333 0 0
ORACLE CORP COM 68389X105 334 4,041 SH   SOLE   4,041 0 0
PHILIP MORRIS INTL INC COM 718172109 317 3,376 SH   SOLE   3,376 0 0
SCHWAB CHARLES CORP COM 808513105 235 2,790 SH   SOLE   2,790 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 314 4,109 SH   SOLE   4,109 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,561 66,277 SH   SOLE   66,277 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,739 196,585 SH   SOLE   196,585 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 5,154 56,369 SH   SOLE   56,369 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,739 26,268 SH   SOLE   26,268 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 3,320 79,519 SH   SOLE   79,519 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 1,002 26,491 SH   SOLE   26,491 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 434 12,702 SH   SOLE   12,702 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 1,265 28,129 SH   SOLE   28,129 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 204 1,955 SH   SOLE   1,955 0 0
TESLA INC COM 88160R101 220 204 SH   SOLE   204 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 693 22,781 SH   SOLE   22,781 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 13,819 177,388 SH   SOLE   177,388 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,482 32,131 SH   SOLE   32,131 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,688 72,014 SH   SOLE   72,014 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801 5,294 27,281 SH   SOLE   27,281 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 5,030 31,088 SH   SOLE   31,088 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 3,286 12,919 SH   SOLE   12,919 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 3,668 39,272 SH   SOLE   39,272 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 8,235 76,933 SH   SOLE   76,933 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 4,891 24,965 SH   SOLE   24,965 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 3,224 16,579 SH   SOLE   16,579 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 3,251 10,651 SH   SOLE   10,651 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 2,912 24,254 SH   SOLE   24,254 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 3,408 8,183 SH   SOLE   8,183 0 0
VISA INC COM CL A 92826C839 386 1,740 SH   SOLE   1,740 0 0
WELLS FARGO CO NEW COM 949746101 248 5,123 SH   SOLE   5,123 0 0
WISDOMTREE TR YIELD ENHANCD US 97717X511 619 12,935 SH   SOLE   12,935 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 3,214 50,479 SH   SOLE   50,479 0 0