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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P500 ETF 464287200   8,558,030 22,274 SH   SOLE   0 0 22,274
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,782,260 38,079 SH   SOLE   0 0 38,079
ISHARES TR CORE MSCI EAFE 46432F842   4,517,354 73,286 SH   SOLE   0 0 73,286
INVESCO QQQ TR UNIT SER 1 46090E103   4,148,786 15,581 SH   SOLE   0 0 15,581
VANGUARD INDEX FDS VALUE ETF 922908744   3,866,767 27,547 SH   SOLE   0 0 27,547
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,830,957 10,017 SH   SOLE   0 0 10,017
ISHARES TR MSCI USA MIN VOL 46429B697   3,766,809 52,244 SH   SOLE   0 0 52,244
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,724,621 26,369 SH   SOLE   0 0 26,369
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   2,535,799 53,072 SH   SOLE   0 0 53,072
ISHARES TR MSCI EAFE ETF 464287465   2,510,644 38,249 SH   SOLE   0 0 38,249
ISHARES TR CORE MSCI INTL 46435G326   2,293,673 40,973 SH   SOLE   0 0 40,973
ISHARES TR CORE S&P SCP ETF 464287804   2,219,213 23,449 SH   SOLE   0 0 23,449
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   2,050,256 45,541 SH   SOLE   0 0 45,541
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,895,249 48,621 SH   SOLE   0 0 48,621
UNITEDHEALTH GROUP INC COM 91324P102   1,788,827 3,374 SH   SOLE   0 0 3,374
ISHARES INC CORE MSCI EMKT 46434G103   1,785,696 38,238 SH   SOLE   0 0 38,238
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   1,589,656 21,210 SH   SOLE   0 0 21,210
VANGUARD INDEX FDS MID CAP ETF 922908629   1,556,993 7,639 SH   SOLE   0 0 7,639
ISHARES TR 1 3 YR TREAS BD 464287457   1,538,659 18,956 SH   SOLE   0 0 18,956
APPLE INC COM 037833100   1,512,957 11,644 SH   SOLE   0 0 11,644
ISHARES TR GLOBAL TECH ETF 464287291   1,441,753 32,160 SH   SOLE   0 0 32,160
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,255,849 7,908 SH   SOLE   0 0 7,908
SEMPRA COM 816851109   1,233,075 7,979 SH   SOLE   0 0 7,979
ISHARES TR IBOXX INV CP ETF 464287242   1,160,228 11,005 SH   SOLE   0 0 11,005
JPMORGAN CHASE & CO COM 46625H100   1,151,383 8,586 SH   SOLE   0 0 8,586
ISHARES INC MSCI GBL MIN VOL 464286525   1,068,852 11,249 SH   SOLE   0 0 11,249
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   980,292 20,668 SH   SOLE   0 0 20,668
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   972,669 23,741 SH   SOLE   0 0 23,741
ISHARES TR JPMORGAN USD EMG 464288281   967,135 11,433 SH   SOLE   0 0 11,433
VANGUARD INDEX FDS SMALL CP ETF 922908751   920,208 5,014 SH   SOLE   0 0 5,014
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   904,118 27,431 SH   SOLE   0 0 27,431
ELEVANCE HEALTH INC COM 036752103   895,133 1,745 SH   SOLE   0 0 1,745
TE CONNECTIVITY LTD SHS H84989104   860,770 7,498 SH   SOLE   0 0 7,498
DEERE & CO COM 244199105   853,232 1,990 SH   SOLE   0 0 1,990
SPDR SER TR S&P 600 SML CAP 78464A813   830,941 10,108 SH   SOLE   0 0 10,108
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   828,597 18,866 SH   SOLE   0 0 18,866
COMCAST CORP NEW CL A 20030N101   818,997 23,420 SH   SOLE   0 0 23,420
ISHARES TR SHRT NAT MUN ETF 464288158   786,821 7,546 SH   SOLE   0 0 7,546
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   766,549 11,809 SH   SOLE   0 0 11,809
CHEVRON CORP NEW COM 166764100   760,144 4,235 SH   SOLE   0 0 4,235
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   748,013 6,074 SH   SOLE   0 0 6,074
MOTOROLA SOLUTIONS INC COM NEW 620076307   723,650 2,808 SH   SOLE   0 0 2,808
BROADCOM INC COM 11135F101   703,386 1,258 SH   SOLE   0 0 1,258
MICROSOFT CORP COM 594918104   694,357 2,895 SH   SOLE   0 0 2,895
METTLER TOLEDO INTERNATIONAL COM 592688105   669,243 463 SH   SOLE   0 0 463
HOME DEPOT INC COM 437076102   645,618 2,044 SH   SOLE   0 0 2,044
HONEYWELL INTL INC COM 438516106   634,328 2,960 SH   SOLE   0 0 2,960
UNITED PARCEL SERVICE INC CL B 911312106   618,175 3,556 SH   SOLE   0 0 3,556
SPDR SER TR BLOOMBERG HIGH Y 78468R622   596,252 6,625 SH   SOLE   0 0 6,625
MERCK & CO INC COM 58933Y105   593,583 5,350 SH   SOLE   0 0 5,350
AMERICAN TOWER CORP NEW COM 03027X100   526,472 2,485 SH   SOLE   0 0 2,485
AIR PRODS & CHEMS INC COM 009158106   520,959 1,690 SH   SOLE   0 0 1,690
VANGUARD INDEX FDS TOTAL STK MKT 922908769   520,498 2,722 SH   SOLE   0 0 2,722
MARSH & MCLENNAN COS INC COM 571748102   512,161 3,095 SH   SOLE   0 0 3,095
ILLINOIS TOOL WKS INC COM 452308109   511,537 2,322 SH   SOLE   0 0 2,322
AMERICAN EXPRESS CO COM 025816109   508,851 3,444 SH   SOLE   0 0 3,444
CONOCOPHILLIPS COM 20825C104   508,580 4,310 SH   SOLE   0 0 4,310
JOHNSON & JOHNSON COM 478160104   487,731 2,761 SH   SOLE   0 0 2,761
NORTHROP GRUMMAN CORP COM 666807102   480,137 880 SH   SOLE   0 0 880
BANK AMERICA CORP COM 060505104   473,616 14,300 SH   SOLE   0 0 14,300
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   471,906 11,244 SH   SOLE   0 0 11,244
PROGRESSIVE CORP COM 743315103   468,253 3,610 SH   SOLE   0 0 3,610
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   462,401 16,403 SH   SOLE   0 0 16,403
FRANKLIN COVEY CO COM 353469109   458,627 9,806 SH   SOLE   0 0 9,806
US BANCORP DEL COM NEW 902973304   451,189 10,346 SH   SOLE   0 0 10,346
NOVO-NORDISK A S ADR 670100205   445,269 3,290 SH   SOLE   0 0 3,290
EXXON MOBIL CORP COM 30231G102   434,361 3,938 SH   SOLE   0 0 3,938
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   431,842 1,398 SH   SOLE   0 0 1,398
TEXAS INSTRS INC COM 882508104   426,598 2,582 SH   SOLE   0 0 2,582
CHARTER COMMUNICATIONS INC N CL A 16119P108   408,616 1,205 SH   SOLE   0 0 1,205
AMGEN INC COM 031162100   391,334 1,490 SH   SOLE   0 0 1,490
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   377,695 2,793 SH   SOLE   0 0 2,793
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   366,747 24,814 SH   SOLE   0 0 24,814
TRAVELERS COMPANIES INC COM 89417E109   366,355 1,954 SH   SOLE   0 0 1,954
ASML HOLDING N V N Y REGISTRY SHS N07059210   361,170 661 SH   SOLE   0 0 661
ISHARES TR CORE S&P MCP ETF 464287507   357,755 1,479 SH   SOLE   0 0 1,479
SCHWAB CHARLES CORP COM 808513105   355,270 4,267 SH   SOLE   0 0 4,267
ISHARES TR FLTG RATE NT ETF 46429B655   351,253 6,979 SH   SOLE   0 0 6,979
RAYTHEON TECHNOLOGIES CORP COM 75513E101   345,651 3,425 SH   SOLE   0 0 3,425
ISHARES TR NATIONAL MUN ETF 464288414   324,630 3,076 SH   SOLE   0 0 3,076
ORACLE CORP COM 68389X105   320,666 3,923 SH   SOLE   0 0 3,923
EDISON INTL COM 281020107   319,691 5,025 SH   SOLE   0 0 5,025
CVS HEALTH CORP COM 126650100   313,864 3,368 SH   SOLE   0 0 3,368
MARTIN MARIETTA MATLS INC COM 573284106   313,298 927 SH   SOLE   0 0 927
PFIZER INC COM 717081103   283,562 5,534 SH   SOLE   0 0 5,534
AUTODESK INC COM 052769106   281,987 1,509 SH   SOLE   0 0 1,509
VISA INC COM CL A 92826C839   269,672 1,298 SH   SOLE   0 0 1,298
CISCO SYS INC COM 17275R102   263,306 5,527 SH   SOLE   0 0 5,527
ISHARES TR MBS ETF 464288588   260,720 2,811 SH   SOLE   0 0 2,811
INTEL CORP COM 458140100   260,071 9,840 SH   SOLE   0 0 9,840
OTIS WORLDWIDE CORP COM 68902V107   259,206 3,310 SH   SOLE   0 0 3,310
BIOGEN INC COM 09062X103   256,151 925 SH   SOLE   0 0 925
VERTEX PHARMACEUTICALS INC COM 92532F100   254,126 880 SH   SOLE   0 0 880
PPG INDS INC COM 693506107   247,079 1,965 SH   SOLE   0 0 1,965
TC ENERGY CORP COM 87807B107   243,146 6,100 SH   SOLE   0 0 6,100
BECTON DICKINSON & CO COM 075887109   241,585 950 SH   SOLE   0 0 950
ABBVIE INC COM 00287Y109   237,082 1,467 SH   SOLE   0 0 1,467
L3HARRIS TECHNOLOGIES INC COM 502431109   224,867 1,080 SH   SOLE   0 0 1,080
ALPHABET INC CAP STK CL A 02079K305   207,341 2,350 SH   SOLE   0 0 2,350
ISHARES TR IBOXX HI YD ETF 464288513   200,494 2,723 SH   SOLE   0 0 2,723
HALEON PLC SPON ADS 405552100   196,520 24,565 SH   SOLE   0 0 24,565
DISH NETWORK CORPORATION CL A 25470M109   184,626 13,150 SH   SOLE   0 0 13,150
VERTIV HOLDINGS CO COM CL A 92537N108   142,269 10,415 SH   SOLE   0 0 10,415