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
ABBVIE INC COM 00287Y109   342,010 1,753 SH   SOLE   0 0 1,753
AFLAC INC COM 001055102   309,717 2,850 SH   SOLE   0 0 2,850
ALPHABET INC CAP STK CL A 02079K305   516,006 3,249 SH   SOLE   0 0 3,249
ALPHABET INC CAP STK CL C 02079K107   347,844 2,162 SH   SOLE   0 0 2,162
AMAZON COM INC COM 023135106   981,114 5,320 SH   SOLE   0 0 5,320
AMERICAN EXPRESS CO COM 025816109   278,665 1,046 SH   SOLE   0 0 1,046
APPLE INC COM 037833100   3,664,898 17,247 SH   SOLE   0 0 17,247
AT&T INC COM 00206R102   307,214 11,091 SH   SOLE   0 0 11,091
BANK AMERICA CORP COM 060505104   362,589 9,092 SH   SOLE   0 0 9,092
BANK NEW YORK MELLON CORP COM 064058100   236,888 2,946 SH   SOLE   0 0 2,946
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   806,541 1,512 SH   SOLE   0 0 1,512
BLACKSTONE INC COM 09260D107   329,275 2,500 SH   SOLE   0 0 2,500
BROADCOM INC COM 11135F101   248,479 1,291 SH   SOLE   0 0 1,291
CAMTEK LTD ORD M20791105   261,360 4,000 SH   SOLE   0 0 4,000
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   355,514 10,175 SH   SOLE   0 0 10,175
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   7,686,162 220,613 SH   SOLE   0 0 220,613
CATERPILLAR INC COM 149123101   499,162 1,614 SH   SOLE   0 0 1,614
CENCORA INC COM 03073E105   249,940 854 SH   SOLE   0 0 854
CISCO SYS INC COM 17275R102   271,677 4,706 SH   SOLE   0 0 4,706
COSTCO WHSL CORP NEW COM 22160K105   1,054,170 1,060 SH   SOLE   0 0 1,060
CSX CORP COM 126408103   421,639 15,021 SH   SOLE   0 0 15,021
DANAHER CORPORATION COM 235851102   389,253 1,953 SH   SOLE   0 0 1,953
DEERE & CO COM 244199105   246,614 532 SH   SOLE   0 0 532
DISCOVER FINL SVCS COM 254709108   226,693 1,241 SH   SOLE   0 0 1,241
DUKE ENERGY CORP NEW COM NEW 26441C204   262,831 2,154 SH   SOLE   0 0 2,154
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   7,305,092 109,785 SH   SOLE   0 0 109,785
FIRST TR EXCHNG TRADED FD VI VEST US EQUITY M 33740U612   211,657 6,741 SH   SOLE   0 0 6,741
HOME DEPOT INC COM 437076102   243,331 675 SH   SOLE   0 0 675
HONEYWELL INTL INC COM 438516106   432,367 2,054 SH   SOLE   0 0 2,054
INTERNATIONAL BUSINESS MACHS COM 459200101   1,442,214 5,964 SH   SOLE   0 0 5,964
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613   1,182,832 30,197 SH   SOLE   0 0 30,197
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   7,331,176 122,146 SH   SOLE   0 0 122,146
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   1,953,341 63,400 SH   SOLE   0 0 63,400
ISHARES TR CORE S&P500 ETF 464287200   422,934 758 SH   SOLE   0 0 758
ISHARES TR CORE S&P SCP ETF 464287804   13,579,168 135,615 SH   SOLE   0 0 135,615
ISHARES TR EAFE GRWTH ETF 464288885   9,046,885 86,689 SH   SOLE   0 0 86,689
ISHARES GOLD TR ISHARES NEW 464285204   210,259 3,382 SH   SOLE   0 0 3,382
ISHARES TR IBONDS 27 TRM TS 46436E841   7,090,952 314,176 SH   SOLE   0 0 314,176
ISHARES TR FLTG RATE NT ETF 46429B655   7,494,738 147,187 SH   SOLE   0 0 147,187
ISHARES TR NATIONAL MUN ETF 464288414   241,926 2,310 SH   SOLE   0 0 2,310
ISHARES TR US AER DEF ETF 464288760   276,319 1,761 SH   SOLE   0 0 1,761
ISHARES U S ETF TR SHORT MATURITY M 46431W838   3,264,115 65,139 SH   SOLE   0 0 65,139
JOHNSON & JOHNSON COM 478160104   344,976 2,207 SH   SOLE   0 0 2,207
JPMORGAN CHASE & CO. COM 46625H100   621,335 2,540 SH   SOLE   0 0 2,540
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   12,840,583 278,961 SH   SOLE   0 0 278,961
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   3,384,356 68,082 SH   SOLE   0 0 68,082
LINDE PLC SHS G54950103   214,378 473 SH   SOLE   0 0 473
MARRIOTT INTL INC NEW CL A 571903202   395,804 1,659 SH   SOLE   0 0 1,659
MASTERCARD INCORPORATED CL A 57636Q104   265,140 484 SH   SOLE   0 0 484
MCDONALDS CORP COM 580135101   542,026 1,696 SH   SOLE   0 0 1,696
MCKESSON CORP COM 58155Q103   295,095 414 SH   SOLE   0 0 414
MERCK & CO INC COM 58933Y105   235,408 2,763 SH   SOLE   0 0 2,763
META PLATFORMS INC CL A 30303M102   540,765 985 SH   SOLE   0 0 985
MICROSOFT CORP COM 594918104   1,996,444 5,051 SH   SOLE   0 0 5,051
PEPSICO INC COM 713448108   736,467 5,432 SH   SOLE   0 0 5,432
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   309,865 3,086 SH   SOLE   0 0 3,086
PROCTER AND GAMBLE CO COM 742718109   336,357 2,069 SH   SOLE   0 0 2,069
PROGRESSIVE CORP COM 743315103   248,776 883 SH   SOLE   0 0 883
RTX CORPORATION COM 75513E101   498,466 3,952 SH   SOLE   0 0 3,952
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   10,709,567 414,778 SH   SOLE   0 0 414,778
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   246,617 2,584 SH   SOLE   0 0 2,584
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,635,036 45,156 SH   SOLE   0 0 45,156
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,627,189 53,880 SH   SOLE   0 0 53,880
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   3,265,886 38,931 SH   SOLE   0 0 38,931
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   517,612 2,465 SH   SOLE   0 0 2,465
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   258,398 3,275 SH   SOLE   0 0 3,275
SHERWIN WILLIAMS CO COM 824348106   222,693 631 SH   SOLE   0 0 631
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   9,927,631 262,220 SH   SOLE   0 0 262,220
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,094,747 129,341 SH   SOLE   0 0 129,341
SPDR SER TR S&P 400 MDCP GRW 78464A821   5,631,084 71,100 SH   SOLE   0 0 71,100
SPDR SER TR AEROSPACE DEF 78464A631   6,925,693 40,511 SH   SOLE   0 0 40,511
SPDR SER TR PORTFOLIO INTRMD 78464A375   21,425,877 643,420 SH   SOLE   0 0 643,420
SPDR SER TR PRTFLO S&P500 GW 78464A409   7,980,509 97,323 SH   SOLE   0 0 97,323
T-MOBILE US INC COM 872590104   259,544 1,051 SH   SOLE   0 0 1,051
TEXAS INSTRS INC COM 882508104   446,540 2,790 SH   SOLE   0 0 2,790
TJX COS INC NEW COM 872540109   223,646 1,738 SH   SOLE   0 0 1,738
UNION PAC CORP COM 907818108   467,123 2,166 SH   SOLE   0 0 2,166
VANGUARD INDEX FDS GROWTH ETF 922908736   2,320,591 6,134 SH   SOLE   0 0 6,134
VANGUARD INDEX FDS VALUE ETF 922908744   13,384,671 80,398 SH   SOLE   0 0 80,398
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   802,835 17,742 SH   SOLE   0 0 17,742
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,636,611 30,955 SH   SOLE   0 0 30,955
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   4,278,268 16,719 SH   SOLE   0 0 16,719
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   519,868 4,179 SH   SOLE   0 0 4,179
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   790,260 1,550 SH   SOLE   0 0 1,550
VANGUARD INDEX FDS MID CAP ETF 922908629   301,418 1,177 SH   SOLE   0 0 1,177
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   371,857 1,494 SH   SOLE   0 0 1,494
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   8,376,814 180,847 SH   SOLE   0 0 180,847
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   209,561 615 SH   SOLE   0 0 615
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   237,776 1,342 SH   SOLE   0 0 1,342
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   205,143 2,604 SH   SOLE   0 0 2,604
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   205,947 2,601 SH   SOLE   0 0 2,601
VANGUARD INDEX FDS SMALL CP ETF 922908751   355,999 1,647 SH   SOLE   0 0 1,647
VANGUARD INDEX FDS SML CP GRW ETF 922908595   220,684 890 SH   SOLE   0 0 890
VANGUARD INDEX FDS SM CP VAL ETF 922908611   309,746 1,721 SH   SOLE   0 0 1,721
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   208,814 2,841 SH   SOLE   0 0 2,841
VANGUARD STAR FDS VG TL INTL STK F 921909768   316,682 4,959 SH   SOLE   0 0 4,959
VERIZON COMMUNICATIONS INC COM 92343V104   252,005 5,720 SH   SOLE   0 0 5,720
VISA INC COM CL A 92826C839   601,703 1,742 SH   SOLE   0 0 1,742
WALMART INC COM 931142103   239,235 2,460 SH   SOLE   0 0 2,460
WASTE MGMT INC DEL COM 94106L109   336,272 1,441 SH   SOLE   0 0 1,441
WISDOMTREE TR YIELD ENHANCD US 97717X511   232,047 5,364 SH   SOLE   0 0 5,364
WISDOMTREE TR CURRNCY INT EQ 97717X263   225,581 5,952 SH   SOLE   0 0 5,952
WISDOMTREE TR US QTLY DIV GRT 97717X669   327,881 4,222 SH   SOLE   0 0 4,222
WISDOMTREE TR US TOTAL DIVIDND 97717W109   311,904 4,190 SH   SOLE   0 0 4,190
YUM BRANDS INC COM 988498101   270,341 1,797 SH   SOLE   0 0 1,797