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
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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
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,685,758 17,367 SH   SOLE   85 0 17,282
VANGUARD INDEX FDS GROWTH ETF 922908736   7,255,115 19,398 SH   SOLE   58 0 19,340
ISHARES TR CORE MSCI EAFE 46432F842   6,304,081 86,785 SH   SOLE   331 0 86,454
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,341,489 9,815 SH   SOLE   24 0 9,790
ISHARES TR CORE S&P US VLU 464287663   5,270,967 59,809 SH   SOLE   344 0 59,465
ISHARES TR CORE S&P500 ETF 464287200   4,944,178 9,035 SH   SOLE   0 0 9,035
VANGUARD INDEX FDS VALUE ETF 922908744   4,761,076 29,681 SH   SOLE   19 0 29,662
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,131,642 25,150 SH   SOLE   65 0 25,085
ISHARES INC CORE MSCI EMKT 46434G103   3,855,016 72,016 SH   SOLE   201 0 71,815
INVESCO QQQ TR UNIT SER 1 46090E103   3,816,395 7,966 SH   SOLE   29 0 7,937
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108   3,707,745 118,610 SH   SOLE   337 0 118,273
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   3,550,509 46,927 SH   SOLE   102 0 46,825
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,477,453 79,466 SH   SOLE   79 0 79,387
ISHARES TR GLOBAL TECH ETF 464287291   2,994,842 36,161 SH   SOLE   55 0 36,106
ISHARES TR MSCI USA MIN VOL 46429B697   2,955,263 35,198 SH   SOLE   88 0 35,110
ISHARES TR MSCI EAFE ETF 464287465   2,951,588 37,681 SH   SOLE   0 0 37,681
ISHARES TR CORE MSCI INTL 46435G326   2,586,819 39,409 SH   SOLE   238 0 39,171
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888   2,289,522 93,641 SH   SOLE   0 0 93,641
APPLE INC COM 037833100   2,251,546 10,690 SH   SOLE   0 0 10,690
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   2,120,753 40,403 SH   SOLE   178 0 40,225
VANGUARD INDEX FDS MID CAP ETF 922908629   2,085,973 8,616 SH   SOLE   23 0 8,593
BROADCOM INC COM 11135F101   2,006,913 1,250 SH   SOLE   0 0 1,250
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,880,847 10,303 SH   SOLE   38 0 10,265
SPDR SER TR PORTFOLIO S&P600 78468R853   1,794,868 43,219 SH   SOLE   155 0 43,064
JPMORGAN CHASE & CO. COM 46625H100   1,783,933 8,820 SH   SOLE   35 0 8,785
UNITEDHEALTH GROUP INC COM 91324P102   1,696,854 3,332 SH   SOLE   0 0 3,332
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   1,559,934 22,307 SH   SOLE   0 0 22,307
MICROSOFT CORP COM 594918104   1,522,234 3,406 SH   SOLE   15 0 3,391
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,492,080 33,209 SH   SOLE   32 0 33,177
SEMPRA COM 816851109   1,301,919 17,117 SH   SOLE   0 0 17,117
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   1,274,392 14,714 SH   SOLE   0 0 14,714
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,210,276 5,551 SH   SOLE   13 0 5,538
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   1,207,097 5,890 SH   SOLE   0 0 5,890
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,182,554 31,392 SH   SOLE   294 0 31,098
ISHARES TR CORE S&P SCP ETF 464287804   1,164,514 10,918 SH   SOLE   39 0 10,879
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,133,619 4,238 SH   SOLE   150 0 4,088
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,122,539 14,044 SH   SOLE   19 0 14,025
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,090,977 2,826 SH   SOLE   0 0 2,826
TE CONNECTIVITY LTD SHS H84989104   1,068,956 7,106 SH   SOLE   0 0 7,106
ELEVANCE HEALTH INC COM 036752103   953,674 1,760 SH   SOLE   0 0 1,760
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   943,352 19,088 SH   SOLE   0 0 19,088
NOVO-NORDISK A S ADR 670100205   929,951 6,515 SH   SOLE   0 0 6,515
COMCAST CORP NEW CL A 20030N101   878,359 22,430 SH   SOLE   242 0 22,188
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   863,230 2,122 SH   SOLE   605 0 1,517
AMERICAN EXPRESS CO COM 025816109   777,776 3,359 SH   SOLE   0 0 3,359
DEERE & CO COM 244199105   748,381 2,003 SH   SOLE   0 0 2,003
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   745,235 15,312 SH   SOLE   0 0 15,312
PROGRESSIVE CORP COM 743315103   728,024 3,505 SH   SOLE   0 0 3,505
ASML HOLDING N V N Y REGISTRY SHS N07059210   725,116 709 SH   SOLE   0 0 709
HOME DEPOT INC COM 437076102   724,625 2,105 SH   SOLE   0 0 2,105
ISHARES TR JPMORGAN USD EMG 464288281   723,452 8,176 SH   SOLE   5 0 8,171
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   711,113 50,613 SH   SOLE   160 0 50,453
ISHARES TR BROAD USD HIGH 46435U853   700,168 19,299 SH   SOLE   10 0 19,289
CHEVRON CORP NEW COM 166764100   685,605 4,383 SH   SOLE   0 0 4,383
MERCK & CO INC COM 58933Y105   682,386 5,512 SH   SOLE   0 0 5,512
MARSH & MCLENNAN COS INC COM 571748102   659,764 3,131 SH   SOLE   0 0 3,131
METTLER TOLEDO INTERNATIONAL COM 592688105   652,675 467 SH   SOLE   0 0 467
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   570,680 9,841 SH   SOLE   0 0 9,841
BANK AMERICA CORP COM 060505104   570,063 14,334 SH   SOLE   0 0 14,334
ORACLE CORP COM 68389X105   560,140 3,967 SH   SOLE   0 0 3,967
INTEL CORP COM 458140100   508,218 16,410 SH   SOLE   0 0 16,410
AIR PRODS & CHEMS INC COM 009158106   506,552 1,963 SH   SOLE   0 0 1,963
MARTIN MARIETTA MATLS INC COM 573284106   506,041 934 SH   SOLE   0 0 934
AMAZON COM INC COM 023135106   499,358 2,584 SH   SOLE   0 0 2,584
HONEYWELL INTL INC COM 438516106   496,481 2,325 SH   SOLE   0 0 2,325
CONOCOPHILLIPS COM 20825C104   494,465 4,323 SH   SOLE   0 0 4,323
ALPHABET INC CAP STK CL A 02079K305   493,991 2,712 SH   SOLE   0 0 2,712
AMERICAN TOWER CORP NEW COM 03027X100   489,643 2,519 SH   SOLE   0 0 2,519
SCHWAB CHARLES CORP COM 808513105   485,175 6,584 SH   SOLE   0 0 6,584
TEXAS INSTRS INC COM 882508104   482,434 2,480 SH   SOLE   0 0 2,480
AMGEN INC COM 031162100   476,174 1,524 SH   SOLE   0 0 1,524
EXXON MOBIL CORP COM 30231G102   475,446 4,130 SH   SOLE   0 0 4,130
UNITED PARCEL SERVICE INC CL B 911312106   467,206 3,414 SH   SOLE   0 0 3,414
US BANCORP DEL COM NEW 902973304   452,937 11,409 SH   SOLE   0 0 11,409
ILLINOIS TOOL WKS INC COM 452308109   448,565 1,893 SH   SOLE   0 0 1,893
VERTEX PHARMACEUTICALS INC COM 92532F100   420,911 898 SH   SOLE   0 0 898
MCKESSON CORP COM 58155Q103   418,173 716 SH   SOLE   0 0 716
JOHNSON & JOHNSON COM 478160104   415,387 2,842 SH   SOLE   0 0 2,842
ISHARES TR CORE S&P MCP ETF 464287507   411,864 7,038 SH   SOLE   0 0 7,038
TRAVELERS COMPANIES INC COM 89417E109   399,156 1,963 SH   SOLE   0 0 1,963
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   397,902 7,909 SH   SOLE   7 0 7,902
NORTHROP GRUMMAN CORP COM 666807102   384,508 882 SH   SOLE   0 0 882
AUTODESK INC COM 052769106   376,371 1,521 SH   SOLE   0 0 1,521
FRANKLIN COVEY CO COM 353469109   372,704 9,808 SH   SOLE   0 0 9,808
VISA INC COM CL A 92826C839   372,445 1,419 SH   SOLE   0 0 1,419
WILLIAMS COS INC COM 969457100   369,028 8,683 SH   SOLE   0 0 8,683
EDISON INTL COM 281020107   362,569 5,049 SH   SOLE   0 0 5,049
RTX CORPORATION COM 75513E101   359,497 3,581 SH   SOLE   0 0 3,581
SPDR SER TR PORTFOLIO S&P500 78464A854   351,883 5,498 SH   SOLE   0 0 5,498
BECTON DICKINSON & CO COM 075887109   347,059 1,485 SH   SOLE   0 0 1,485
OTIS WORLDWIDE CORP COM 68902V107   321,797 3,343 SH   SOLE   0 0 3,343
NIKE INC CL B 654106103   315,273 4,183 SH   SOLE   0 0 4,183
CHARTER COMMUNICATIONS INC N CL A 16119P108   306,434 1,025 SH   SOLE   0 0 1,025
ISHARES TR CORE US AGGBD ET 464287226   304,596 3,138 SH   SOLE   0 0 3,138
CROWDSTRIKE HLDGS INC CL A 22788C105   293,524 766 SH   SOLE   0 0 766
META PLATFORMS INC CL A 30303M102   273,791 543 SH   SOLE   0 0 543
SHERWIN WILLIAMS CO COM 824348106   270,974 908 SH   SOLE   0 0 908
ABBVIE INC COM 00287Y109   269,286 1,570 SH   SOLE   0 0 1,570
L3HARRIS TECHNOLOGIES INC COM 502431109   245,915 1,095 SH   SOLE   0 0 1,095
HALEON PLC SPON ADS 405552100   241,126 29,192 SH   SOLE   0 0 29,192
VANGUARD INDEX FDS SM CP VAL ETF 922908611   237,088 1,299 SH   SOLE   0 0 1,299
NVIDIA CORPORATION COM 67066G104   231,885 1,877 SH   SOLE   0 0 1,877
HOWMET AEROSPACE INC COM 443201108   219,072 2,822 SH   SOLE   0 0 2,822
ISHARES TR CORE S&P TTL STK 464287150   215,828 1,817 SH   SOLE   0 0 1,817
BIOGEN INC COM 09062X103   210,956 910 SH   SOLE   0 0 910
MICROCHIP TECHNOLOGY INC. COM 595017104   203,313 2,222 SH   SOLE   0 0 2,222
CVS HEALTH CORP COM 126650100   202,989 3,437 SH   SOLE   0 0 3,437