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
ABBOTT LABS COM 002824100   724,389 5,326 SH   SOLE   0 0 5,326
ABBVIE INC COM 00287Y109   1,137,665 6,129 SH   SOLE   0 0 6,129
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   546,371 1,828 SH   SOLE   0 0 1,828
ADOBE INC COM 00724F101   504,105 1,303 SH   SOLE   0 0 1,303
ADVANCED MICRO DEVICES INC COM 007903107   434,498 3,062 SH   SOLE   0 0 3,062
ALLSTATE CORP COM 020002101   496,833 2,468 SH   SOLE   0 0 2,468
ALPHABET INC CAP STK CL A 02079K305   1,143,766 6,490 SH   SOLE   0 0 6,490
ALPHABET INC CAP STK CL C 02079K107   515,377 2,905 SH   SOLE   0 0 2,905
AMAZON COM INC COM 023135106   1,944,892 8,865 SH   SOLE   0 0 8,865
AMERIPRISE FINL INC COM 03076C106   1,646,685 3,085 SH   SOLE   0 0 3,085
AMGEN INC COM 031162100   401,794 1,439 SH   SOLE   0 0 1,439
APPLE INC COM 037833100   4,069,671 19,836 SH   SOLE   0 0 19,836
APPLIED MATLS INC COM 038222105   231,584 1,265 SH   SOLE   0 0 1,265
AT&T INC COM 00206R102   303,938 10,502 SH   SOLE   0 0 10,502
BALL CORP COM 058498106   204,118 3,639 SH   SOLE   0 0 3,639
BANK AMERICA CORP COM 060505104   855,924 18,088 SH   SOLE   0 0 18,088
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,082,982 4,288 SH   SOLE   0 0 4,288
BLACKROCK ETF TRUST II ISHARES HIGH YIE 092528108   7,075,326 317,137 SH   SOLE   0 0 317,137
BLACKROCK INC COM 09290D101   282,248 269 SH   SOLE   0 0 269
BLACKSTONE INC COM 09260D107   862,628 5,767 SH   SOLE   0 0 5,767
BOOKING HOLDINGS INC COM 09857L108   590,502 102 SH   SOLE   0 0 102
BROADCOM INC COM 11135F101   2,966,557 10,762 SH   SOLE   0 0 10,762
CAPITAL GRP FIXED INCM ETF T MUNICIPAL HIGH I 14020Y805   411,060 16,686 SH   SOLE   0 0 16,686
CARLYLE GROUP INC COM 14316J108   288,662 5,616 SH   SOLE   0 0 5,616
CATERPILLAR INC COM 149123101   383,163 987 SH   SOLE   0 0 987
CHEVRON CORP NEW COM 166764100   550,709 3,846 SH   SOLE   0 0 3,846
CISCO SYS INC COM 17275R102   830,479 11,970 SH   SOLE   0 0 11,970
CITIGROUP INC COM NEW 172967424   307,561 3,613 SH   SOLE   0 0 3,613
COCA COLA CO COM 191216100   730,918 10,331 SH   SOLE   0 0 10,331
CONSTELLATION BRANDS INC CL A 21036P108   485,936 2,987 SH   SOLE   0 0 2,987
COSTCO WHSL CORP NEW COM 22160K105   1,541,346 1,557 SH   SOLE   0 0 1,557
DANAHER CORPORATION COM 235851102   470,540 2,382 SH   SOLE   0 0 2,382
DBX ETF TR XTRACKERS MSCI 233051150   5,167,605 90,851 SH   SOLE   0 0 90,851
DISNEY WALT CO COM 254687106   794,780 6,409 SH   SOLE   0 0 6,409
ELI LILLY & CO COM 532457108   958,822 1,230 SH   SOLE   0 0 1,230
EXXON MOBIL CORP COM 30231G102   1,583,103 14,686 SH   SOLE   0 0 14,686
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840   12,394,597 238,266 SH   SOLE   0 0 238,266
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   12,891,620 532,052 SH   SOLE   0 0 532,052
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868   4,520,827 186,349 SH   SOLE   0 0 186,349
FRANKLIN TEMPLETON ETF TR HIGH YIELD CORP 35473P629   12,542,303 515,084 SH   SOLE   0 0 515,084
GE AEROSPACE COM NEW 369604301   858,653 3,336 SH   SOLE   0 0 3,336
GE VERNOVA INC COM 36828A101   244,467 462 SH   SOLE   0 0 462
GOLDMAN SACHS GROUP INC COM 38141G104   3,320,055 4,691 SH   SOLE   0 0 4,691
HOME DEPOT INC COM 437076102   742,457 2,025 SH   SOLE   0 0 2,025
HONEYWELL INTL INC COM 438516106   533,761 2,292 SH   SOLE   0 0 2,292
INTERNATIONAL BUSINESS MACHS COM 459200101   1,735,075 5,886 SH   SOLE   0 0 5,886
INTUIT COM 461202103   641,918 815 SH   SOLE   0 0 815
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449   14,848,149 135,020 SH   SOLE   0 0 135,020
ISHARES TR CORE 80/20 AGGRE 464289859   911,645 10,931 SH   SOLE   0 0 10,931
ISHARES TR CORE 60/40 BALAN 464289867   1,606,608 26,094 SH   SOLE   0 0 26,094
ISHARES TR CORE US AGGBD ET 464287226   49,348,826 497,468 SH   SOLE   0 0 497,468
ISHARES TR CORE S&P500 ETF 464287200   362,606 584 SH   SOLE   0 0 584
ISHARES TR CONV BD ETF 46435G102   210,834 2,340 SH   SOLE   0 0 2,340
J P MORGAN EXCHANGE TRADED F HIGH YIELD MUNI 46654Q799   6,081,423 122,166 SH   SOLE   0 0 122,166
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   432,835 8,541 SH   SOLE   0 0 8,541
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   4,581,425 92,293 SH   SOLE   0 0 92,293
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   12,927,641 227,399 SH   SOLE   0 0 227,399
JACOBS SOLUTIONS INC COM 46982L108   372,275 2,832 SH   SOLE   0 0 2,832
JOHNSON & JOHNSON COM 478160104   864,260 5,658 SH   SOLE   0 0 5,658
JPMORGAN CHASE & CO. COM 46625H100   2,700,159 9,314 SH   SOLE   0 0 9,314
LINDE PLC SHS G54950103   681,249 1,452 SH   SOLE   0 0 1,452
LOCKHEED MARTIN CORP COM 539830109   439,057 948 SH   SOLE   0 0 948
LOWES COS INC COM 548661107   305,737 1,378 SH   SOLE   0 0 1,378
M & T BK CORP COM 55261F104   396,710 2,045 SH   SOLE   0 0 2,045
MASTERCARD INCORPORATED CL A 57636Q104   1,413,279 2,515 SH   SOLE   0 0 2,515
MCDONALDS CORP COM 580135101   703,545 2,408 SH   SOLE   0 0 2,408
MERCK & CO INC COM 58933Y105   744,896 9,410 SH   SOLE   0 0 9,410
META PLATFORMS INC CL A 30303M102   1,297,562 1,758 SH   SOLE   0 0 1,758
MICRON TECHNOLOGY INC COM 595112103   383,442 3,111 SH   SOLE   0 0 3,111
MICROSOFT CORP COM 594918104   4,772,701 9,595 SH   SOLE   0 0 9,595
MONDELEZ INTL INC CL A 609207105   283,922 4,210 SH   SOLE   0 0 4,210
MORGAN STANLEY ETF TRUST EATON VANCE HIGH 61774R783   752,598 15,535 SH   SOLE   0 0 15,535
NETFLIX INC COM 64110L106   911,948 681 SH   SOLE   0 0 681
NEXTERA ENERGY INC COM 65339F101   1,126,772 16,231 SH   SOLE   0 0 16,231
NVIDIA CORPORATION COM 67066G104   2,370,969 15,007 SH   SOLE   0 0 15,007
ORACLE CORP COM 68389X105   1,230,012 5,626 SH   SOLE   0 0 5,626
PEPSICO INC COM 713448108   548,890 4,157 SH   SOLE   0 0 4,157
PFIZER INC COM 717081103   277,572 11,451 SH   SOLE   0 0 11,451
PHILIP MORRIS INTL INC COM 718172109   358,614 1,969 SH   SOLE   0 0 1,969
PROCTER AND GAMBLE CO COM 742718109   721,879 4,531 SH   SOLE   0 0 4,531
QUALCOMM INC COM 747525103   542,917 3,409 SH   SOLE   0 0 3,409
RTX CORPORATION COM 75513E101   1,514,834 10,374 SH   SOLE   0 0 10,374
SALESFORCE INC COM 79466L302   735,718 2,698 SH   SOLE   0 0 2,698
SCHWAB STRATEGIC TR US TIPS ETF 808524870   24,782,118 928,865 SH   SOLE   0 0 928,865
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,827,777 100,812 SH   SOLE   0 0 100,812
SELECT SECTOR SPDR TR INDL 81369Y704   604,848 4,100 SH   SOLE   0 0 4,100
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   282,937 3,222 SH   SOLE   0 0 3,222
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   2,735,820 66,051 SH   SOLE   0 0 66,051
SHERWIN WILLIAMS CO COM 824348106   267,821 780 SH   SOLE   0 0 780
SNOWFLAKE INC CL A 833445109   553,159 2,472 SH   SOLE   0 0 2,472
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,310,519 13,473 SH   SOLE   0 0 13,473
SPDR SER TR NUVEEN BLOOMBERG 78464A284   5,736,595 231,501 SH   SOLE   0 0 231,501
SPDR SER TR PORTFOLI S&P1500 78464A805   917,552 12,252 SH   SOLE   0 0 12,252
TESLA INC COM 88160R101   639,132 2,012 SH   SOLE   0 0 2,012
TEXAS INSTRS INC COM 882508104   494,343 2,381 SH   SOLE   0 0 2,381
THERMO FISHER SCIENTIFIC INC COM 883556102   333,694 823 SH   SOLE   0 0 823
TOAST INC CL A 888787108   471,467 10,645 SH   SOLE   0 0 10,645
UNITEDHEALTH GROUP INC COM 91324P102   820,365 2,630 SH   SOLE   0 0 2,630
VANGUARD INDEX FDS TOTAL STK MKT 922908769   62,581,634 205,908 SH   SOLE   0 0 205,908
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   334,570 589 SH   SOLE   0 0 589
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,873,386 58,095 SH   SOLE   0 0 58,095
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   34,039,868 264,860 SH   SOLE   0 0 264,860
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   9,199,712 44,949 SH   SOLE   0 0 44,949
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   12,344,631 154,096 SH   SOLE   0 0 154,096
VERIZON COMMUNICATIONS INC COM 92343V104   610,109 14,100 SH   SOLE   0 0 14,100
VISA INC COM CL A 92826C839   1,639,621 4,618 SH   SOLE   0 0 4,618
WALMART INC COM 931142103   1,341,444 13,719 SH   SOLE   0 0 13,719
WELLS FARGO CO NEW COM 949746101   724,445 9,042 SH   SOLE   0 0 9,042
ZSCALER INC COM 98980G102   417,854 1,331 SH   SOLE   0 0 1,331