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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 514 236 SH   SOLE   236 0 0
ALPHABET INC CAP STK CL C 02079K107 440 201 SH   SOLE   201 0 0
AMAZON COM INC COM 023135106 453 4,269 SH   SOLE   4,269 0 0
AMERISOURCEBERGEN CORP COM 03073E105 381 2,696 SH   SOLE   2,696 0 0
AMNEAL PHARMACEUTICALS INC COM STK CL A 03168L105 227 71,414 SH   SOLE   71,414 0 0
APPLE INC COM 037833100 275 2,008 SH   SOLE   2,008 0 0
BANK NEW YORK MELLON CORP COM 064058100 265 6,363 SH   SOLE   6,363 0 0
BECTON DICKINSON & CO COM 075887109 225 912 SH   SOLE   912 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 409 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 906 3,318 SH   SOLE   3,318 0 0
BOOKING HOLDINGS INC COM 09857L108 353 202 SH   SOLE   202 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 421 5,465 SH   SOLE   5,465 0 0
CARMAX INC COM 143130102 388 4,288 SH   SOLE   4,288 0 0
COMCAST CORP NEW CL A 20030N101 319 8,121 SH   SOLE   8,121 0 0
DBX ETF TR XTRACKERS S&P 233051143 1,220 35,730 SH   SOLE   35,730 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 340 14,582 SH   SOLE   14,582 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 623 29,045 SH   SOLE   29,045 0 0
ENBRIDGE INC COM 29250N105 657 15,541 SH   SOLE   15,541 0 0
EVERSOURCE ENERGY COM 30040W108 424 5,016 SH   SOLE   5,016 0 0
EXXON MOBIL CORP COM 30231G102 293 3,422 SH   SOLE   3,422 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 219 2,385 SH   SOLE   2,385 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 993 21,404 SH   SOLE   21,404 0 0
GENERAL DYNAMICS CORP COM 369550108 258 1,165 SH   SOLE   1,165 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,184 8,819 SH   SOLE   8,819 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 2,444 8,720 SH   SOLE   8,720 0 0
IQVIA HLDGS INC COM 46266C105 324 1,493 SH   SOLE   1,493 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 369 6,990 SH   SOLE   6,990 0 0
ISHARES TR CORE S&P MCP ETF 464287507 643 2,841 SH   SOLE   2,841 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,300 24,884 SH   SOLE   24,884 0 0
ISHARES TR IBOXX INV CP ETF 464287242 266 2,416 SH   SOLE   2,416 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 981 11,845 SH   SOLE   11,845 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 601 5,870 SH   SOLE   5,870 0 0
ISHARES TR CORE US AGGBD ET 464287226 693 6,820 SH   SOLE   6,820 0 0
ISHARES TR SELECT DIVID ETF 464287168 1,002 8,514 SH   SOLE   8,514 0 0
ISHARES TR MBS ETF 464288588 328 3,362 SH   SOLE   3,362 0 0
ISHARES TR INTL SEL DIV ETF 464288448 623 22,934 SH   SOLE   22,934 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 857 12,205 SH   SOLE   12,205 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 1,395 12,485 SH   SOLE   12,485 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 336 7,004 SH   SOLE   7,004 0 0
JOHNSON & JOHNSON COM 478160104 360 2,026 SH   SOLE   2,026 0 0
JPMORGAN CHASE & CO COM 46625H100 395 3,511 SH   SOLE   3,511 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 49 24,194 SH   SOLE   24,194 0 0
LOCKHEED MARTIN CORP COM 539830109 238 554 SH   SOLE   554 0 0
MASTERCARD INCORPORATED CL A 57636Q104 383 1,215 SH   SOLE   1,215 0 0
META PLATFORMS INC CL A 30303M102 385 2,390 SH   SOLE   2,390 0 0
MICROSOFT CORP COM 594918104 575 2,238 SH   SOLE   2,238 0 0
NEW YORK CMNTY BANCORP INC COM 649445103 403 44,188 SH   SOLE   44,188 0 0
ORACLE CORP COM 68389X105 287 4,106 SH   SOLE   4,106 0 0
PHILIP MORRIS INTL INC COM 718172109 338 3,427 SH   SOLE   3,427 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 277 3,880 SH   SOLE   3,880 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,428 41,058 SH   SOLE   41,058 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,845 98,634 SH   SOLE   98,634 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 29,049 317,515 SH   SOLE   317,515 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 2,026 38,750 SH   SOLE   38,750 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 2,836 77,010 SH   SOLE   77,010 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 338 10,219 SH   SOLE   10,219 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 991 33,323 SH   SOLE   33,323 0 0
UNILEVER PLC SPON ADR NEW 904767704 201 4,379 SH   SOLE   4,379 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 53,502 696,734 SH   SOLE   696,734 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,971 99,172 SH   SOLE   99,172 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,447 24,603 SH   SOLE   24,603 0 0
VISA INC COM CL A 92826C839 360 1,830 SH   SOLE   1,830 0 0
WELLS FARGO CO NEW COM 949746101 231 5,907 SH   SOLE   5,907 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 644 11,236 SH   SOLE   11,236 0 0