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
ADOBE INC COM 00724F101   228,945 449 SH   SOLE   449 0 0
AIR PRODS & CHEMS INC COM 009158106   240,890 850 SH   SOLE   850 0 0
ALPHABET INC CAP STK CL A 02079K305   502,764 3,842 SH   SOLE   3,842 0 0
ALPHABET INC CAP STK CL C 02079K107   957,231 7,260 SH   SOLE   7,260 0 0
AMAZON COM INC COM 023135106   812,805 6,394 SH   SOLE   6,394 0 0
AMBEV SA SPONSORED ADR 02319V103   34,348 13,313 SH   SOLE   13,313 0 0
AMNEAL PHARMACEUTICALS INC COM STK CL A 03168L105   301,367 71,414 SH   SOLE   71,414 0 0
ANALOG DEVICES INC COM 032654105   456,285 2,606 SH   SOLE   2,606 0 0
APPLE INC COM 037833100   317,423 1,854 SH   SOLE   1,854 0 0
BANK AMERICA CORP COM 060505104   222,107 8,112 SH   SOLE   8,112 0 0
BANK NEW YORK MELLON CORP COM 064058100   385,855 9,047 SH   SOLE   9,047 0 0
BECTON DICKINSON & CO COM 075887109   454,496 1,758 SH   SOLE   1,758 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   531,477 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,830,318 5,225 SH   SOLE   5,225 0 0
BOOKING HOLDINGS INC COM 09857L108   980,696 318 SH   SOLE   318 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   331,641 5,714 SH   SOLE   5,714 0 0
CARMAX INC COM 143130102   552,543 7,812 SH   SOLE   7,812 0 0
CENCORA INC COM 03073E105   215,244 1,196 SH   SOLE   1,196 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104   210,849 1,582 SH   SOLE   1,582 0 0
CHEVRON CORP NEW COM 166764100   283,282 1,680 SH   SOLE   1,680 0 0
COMCAST CORP NEW CL A 20030N101   641,334 14,464 SH   SOLE   14,464 0 0
CONOCOPHILLIPS COM 20825C104   393,783 3,287 SH   SOLE   3,287 0 0
CVS HEALTH CORP COM 126650100   222,656 3,189 SH   SOLE   3,189 0 0
DBX ETF TR XTRACK USD HIGH 233051432   890,621 26,272 SH   SOLE   26,272 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,290,797 87,435 SH   SOLE   87,435 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   4,296,276 190,776 SH   SOLE   190,776 0 0
DISNEY WALT CO COM 254687106   206,596 2,549 SH   SOLE   2,549 0 0
EBAY INC. COM 278642103   394,782 8,954 SH   SOLE   8,954 0 0
ELEVANCE HEALTH INC COM 036752103   643,551 1,478 SH   SOLE   1,478 0 0
EVERSOURCE ENERGY COM 30040W108   291,680 5,016 SH   SOLE   5,016 0 0
EXXON MOBIL CORP COM 30231G102   536,047 4,559 SH   SOLE   4,559 0 0
FIDELITY NATL INFORMATION SV COM 31620M106   245,620 4,444 SH   SOLE   4,444 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   1,648,935 39,209 SH   SOLE   39,209 0 0
GENERAL DYNAMICS CORP COM 369550108   425,146 1,924 SH   SOLE   1,924 0 0
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   661,214 20,605 SH   SOLE   20,605 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   242,310 16,208 SH   SOLE   16,208 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,102,444 21,896 SH   SOLE   21,896 0 0
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V118   237,062 4,588 SH   SOLE   4,588 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   3,549,023 9,906 SH   SOLE   9,906 0 0
IQVIA HLDGS INC COM 46266C105   413,569 2,102 SH   SOLE   2,102 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   389,172 6,455 SH   SOLE   6,455 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,033,306 4,144 SH   SOLE   4,144 0 0
ISHARES TR CORE S&P SCP ETF 464287804   223,373 2,368 SH   SOLE   2,368 0 0
ISHARES TR IBOXX INV CP ETF 464287242   1,096,409 10,747 SH   SOLE   10,747 0 0
ISHARES TR TIPS BD ETF 464287176   442,988 4,271 SH   SOLE   4,271 0 0
ISHARES TR MBS ETF 464288588   1,322,587 14,894 SH   SOLE   14,894 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   1,603,724 22,157 SH   SOLE   22,157 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   496,650 7,615 SH   SOLE   7,615 0 0
ISHARES TR CORE MSCI EAFE 46432F842   598,069 9,294 SH   SOLE   9,294 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   4,835,375 36,690 SH   SOLE   36,690 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852   660,288 15,214 SH   SOLE   15,214 0 0
JOHNSON & JOHNSON COM 478160104   334,395 2,147 SH   SOLE   2,147 0 0
JPMORGAN CHASE & CO COM 46625H100   804,861 5,550 SH   SOLE   5,550 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   78,631 36,916 SH   SOLE   36,916 0 0
LOCKHEED MARTIN CORP COM 539830109   349,252 854 SH   SOLE   854 0 0
MASTERCARD INCORPORATED CL A 57636Q104   379,282 958 SH   SOLE   958 0 0
MCKESSON CORP COM 58155Q103   290,480 668 SH   SOLE   668 0 0
META PLATFORMS INC CL A 30303M102   1,069,348 3,562 SH   SOLE   3,562 0 0
MICROSOFT CORP COM 594918104   1,083,970 3,433 SH   SOLE   3,433 0 0
NEW YORK CMNTY BANCORP INC COM 649445103   501,092 44,188 SH   SOLE   44,188 0 0
NOVARTIS AG SPONSORED ADR 66987V109   510,522 5,012 SH   SOLE   5,012 0 0
ORACLE CORP COM 68389X105   777,771 7,343 SH   SOLE   7,343 0 0
PHILIP MORRIS INTL INC COM 718172109   771,191 8,330 SH   SOLE   8,330 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775   1,104,024 12,560 SH   SOLE   12,560 0 0
QUALCOMM INC COM 747525103   232,560 2,094 SH   SOLE   2,094 0 0
SANOFI SPONSORED ADR 80105N105   444,139 8,280 SH   SOLE   8,280 0 0
SCHWAB CHARLES CORP COM 808513105   831,845 15,152 SH   SOLE   15,152 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   237,816 2,631 SH   SOLE   2,631 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,389,664 100,973 SH   SOLE   100,973 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4,574,967 147,532 SH   SOLE   147,532 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   304,793 713 SH   SOLE   713 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,247,116 71,645 SH   SOLE   71,645 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,349,982 81,192 SH   SOLE   81,192 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   423,839 16,208 SH   SOLE   16,208 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   450,033 15,349 SH   SOLE   15,349 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,215,504 31,449 SH   SOLE   31,449 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   287,031 3,303 SH   SOLE   3,303 0 0
UNILEVER PLC SPON ADR NEW 904767704   450,182 9,113 SH   SOLE   9,113 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   1,106,619 40,895 SH   SOLE   40,895 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   11,032,475 146,767 SH   SOLE   146,767 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,183,319 42,074 SH   SOLE   42,074 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801   5,259,272 30,485 SH   SOLE   30,485 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   3,236,710 25,378 SH   SOLE   25,378 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   3,349,235 14,246 SH   SOLE   14,246 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   5,291,321 65,878 SH   SOLE   65,878 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   5,418,769 42,755 SH   SOLE   42,755 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   5,278,250 28,895 SH   SOLE   28,895 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   5,243,987 26,895 SH   SOLE   26,895 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   5,212,579 19,351 SH   SOLE   19,351 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   5,332,186 50,691 SH   SOLE   50,691 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   5,184,176 12,495 SH   SOLE   12,495 0 0
VISA INC COM CL A 92826C839   663,809 2,886 SH   SOLE   2,886 0 0
WELLS FARGO CO NEW COM 949746101   475,243 11,631 SH   SOLE   11,631 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851   231,745 2,626 SH   SOLE   2,626 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   588,108 9,263 SH   SOLE   9,263 0 0