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   324,278 1,747 SH   SOLE   0 0 1,747
AFLAC INC COM 001055102   300,785 2,852 SH   SOLE   0 0 2,852
ALPHABET INC CAP STK CL A 02079K305   495,284 2,810 SH   SOLE   0 0 2,810
ALPHABET INC CAP STK CL C 02079K107   378,018 2,131 SH   SOLE   0 0 2,131
AMAZON COM INC COM 023135106   1,302,738 5,938 SH   SOLE   0 0 5,938
AMERICAN EXPRESS CO COM 025816109   333,334 1,045 SH   SOLE   0 0 1,045
APPLE INC COM 037833100   3,642,297 17,753 SH   SOLE   0 0 17,753
AT&T INC COM 00206R102   304,915 10,536 SH   SOLE   0 0 10,536
BANK AMERICA CORP COM 060505104   430,280 9,093 SH   SOLE   0 0 9,093
BANK NEW YORK MELLON CORP COM 064058100   267,955 2,941 SH   SOLE   0 0 2,941
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   731,327 1,506 SH   SOLE   0 0 1,506
BLACKSTONE INC COM 09260D107   373,950 2,500 SH   SOLE   0 0 2,500
BROADCOM INC COM 11135F101   350,627 1,272 SH   SOLE   0 0 1,272
CAMTEK LTD ORD M20791105   338,240 4,000 SH   SOLE   0 0 4,000
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   452,121 11,449 SH   SOLE   0 0 11,449
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   9,218,694 226,782 SH   SOLE   0 0 226,782
CAPITAL ONE FINL CORP COM 14040H105   271,324 1,275 SH   SOLE   0 0 1,275
CATERPILLAR INC COM 149123101   670,050 1,726 SH   SOLE   0 0 1,726
CENCORA INC COM 03073E105   256,072 854 SH   SOLE   0 0 854
CISCO SYS INC COM 17275R102   326,502 4,706 SH   SOLE   0 0 4,706
COSTCO WHSL CORP NEW COM 22160K105   1,049,336 1,060 SH   SOLE   0 0 1,060
CSX CORP COM 126408103   490,135 15,021 SH   SOLE   0 0 15,021
DANAHER CORPORATION COM 235851102   385,757 1,953 SH   SOLE   0 0 1,953
DEERE & CO COM 244199105   270,517 532 SH   SOLE   0 0 532
DUKE ENERGY CORP NEW COM NEW 26441C204   254,172 2,154 SH   SOLE   0 0 2,154
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   8,452,672 111,837 SH   SOLE   0 0 111,837
FIRST TR EXCHNG TRADED FD VI VEST US EQUITY M 33740U612   216,522 6,741 SH   SOLE   0 0 6,741
HOME DEPOT INC COM 437076102   247,482 675 SH   SOLE   0 0 675
HONEYWELL INTL INC COM 438516106   478,336 2,054 SH   SOLE   0 0 2,054
INTERNATIONAL BUSINESS MACHS COM 459200101   1,738,612 5,898 SH   SOLE   0 0 5,898
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613   1,250,963 29,595 SH   SOLE   0 0 29,595
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   7,699,565 124,851 SH   SOLE   0 0 124,851
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   2,027,353 62,553 SH   SOLE   0 0 62,553
ISHARES TR CORE S&P500 ETF 464287200   470,642 758 SH   SOLE   0 0 758
ISHARES TR CORE S&P SCP ETF 464287804   15,267,258 139,695 SH   SOLE   0 0 139,695
ISHARES TR EAFE GRWTH ETF 464288885   10,043,361 89,673 SH   SOLE   0 0 89,673
ISHARES TR ESG AWR MSCI USA 46435G425   206,874 1,529 SH   SOLE   0 0 1,529
ISHARES GOLD TR ISHARES NEW 464285204   210,902 3,382 SH   SOLE   0 0 3,382
ISHARES TR IBONDS 27 TRM TS 46436E841   8,141,043 361,985 SH   SOLE   0 0 361,985
ISHARES TR RUS MID CAP ETF 464287499   277,290 3,015 SH   SOLE   0 0 3,015
ISHARES TR FLTG RATE NT ETF 46429B655   7,667,989 150,294 SH   SOLE   0 0 150,294
ISHARES TR NATIONAL MUN ETF 464288414   241,349 2,310 SH   SOLE   0 0 2,310
ISHARES TR US AER DEF ETF 464288760   332,195 1,761 SH   SOLE   0 0 1,761
ISHARES U S ETF TR SHORT MATURITY M 46431W838   3,333,052 66,303 SH   SOLE   0 0 66,303
JOHNSON & JOHNSON COM 478160104   337,119 2,207 SH   SOLE   0 0 2,207
JPMORGAN CHASE & CO. COM 46625H100   736,371 2,540 SH   SOLE   0 0 2,540
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   13,330,304 287,787 SH   SOLE   0 0 287,787
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   3,422,082 68,938 SH   SOLE   0 0 68,938
LAM RESEARCH CORP COM NEW 512807306   264,083 2,713 SH   SOLE   0 0 2,713
LINDE PLC SHS G54950103   221,922 473 SH   SOLE   0 0 473
MARRIOTT INTL INC NEW CL A 571903202   307,634 1,126 SH   SOLE   0 0 1,126
MASTERCARD INCORPORATED CL A 57636Q104   384,246 684 SH   SOLE   0 0 684
MCDONALDS CORP COM 580135101   495,837 1,697 SH   SOLE   0 0 1,697
MCKESSON CORP COM 58155Q103   303,371 414 SH   SOLE   0 0 414
MERCK & CO INC COM 58933Y105   218,719 2,763 SH   SOLE   0 0 2,763
META PLATFORMS INC CL A 30303M102   799,479 1,083 SH   SOLE   0 0 1,083
MICROSOFT CORP COM 594918104   2,516,882 5,060 SH   SOLE   0 0 5,060
NVIDIA CORPORATION COM 67066G104   222,608 1,409 SH   SOLE   0 0 1,409
PEPSICO INC COM 713448108   717,456 5,434 SH   SOLE   0 0 5,434
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   310,251 3,086 SH   SOLE   0 0 3,086
PROCTER AND GAMBLE CO COM 742718109   329,633 2,069 SH   SOLE   0 0 2,069
PROGRESSIVE CORP COM 743315103   235,637 883 SH   SOLE   0 0 883
RTX CORPORATION COM 75513E101   577,071 3,952 SH   SOLE   0 0 3,952
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   11,436,319 431,559 SH   SOLE   0 0 431,559
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   280,442 2,584 SH   SOLE   0 0 2,584
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,043,226 47,674 SH   SOLE   0 0 47,674
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,952,987 56,387 SH   SOLE   0 0 56,387
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   3,534,411 40,251 SH   SOLE   0 0 40,251
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   666,302 2,631 SH   SOLE   0 0 2,631
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   267,436 3,275 SH   SOLE   0 0 3,275
SHERWIN WILLIAMS CO COM 824348106   216,660 631 SH   SOLE   0 0 631
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   10,904,590 269,316 SH   SOLE   0 0 269,316
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,672,207 132,714 SH   SOLE   0 0 132,714
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821   6,374,914 73,385 SH   SOLE   0 0 73,385
SPDR SERIES TRUST AEROSPACE DEF 78464A631   8,747,829 41,471 SH   SOLE   0 0 41,471
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   22,156,369 659,808 SH   SOLE   0 0 659,808
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409   9,518,009 99,853 SH   SOLE   0 0 99,853
T-MOBILE US INC COM 872590104   250,173 1,050 SH   SOLE   0 0 1,050
TEXAS INSTRS INC COM 882508104   579,260 2,790 SH   SOLE   0 0 2,790
TJX COS INC NEW COM 872540109   214,379 1,736 SH   SOLE   0 0 1,736
UNION PAC CORP COM 907818108   498,503 2,167 SH   SOLE   0 0 2,167
VALERO ENERGY CORP COM 91913Y100   201,630 1,500 SH   SOLE   0 0 1,500
VANGUARD INDEX FDS GROWTH ETF 922908736   2,691,523 6,139 SH   SOLE   0 0 6,139
VANGUARD INDEX FDS VALUE ETF 922908744   14,429,243 81,641 SH   SOLE   0 0 81,641
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   875,609 17,703 SH   SOLE   0 0 17,703
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,761,948 30,906 SH   SOLE   0 0 30,906
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   4,276,998 17,222 SH   SOLE   0 0 17,222
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   557,102 4,179 SH   SOLE   0 0 4,179
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,393,559 2,453 SH   SOLE   0 0 2,453
VANGUARD WORLD FD INF TECH ETF 92204A702   212,913 321 SH   SOLE   0 0 321
VANGUARD INDEX FDS MID CAP ETF 922908629   329,360 1,177 SH   SOLE   0 0 1,177
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   424,879 1,494 SH   SOLE   0 0 1,494
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   223,501 1,359 SH   SOLE   0 0 1,359
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   8,675,935 187,223 SH   SOLE   0 0 187,223
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   243,872 615 SH   SOLE   0 0 615
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   243,813 1,292 SH   SOLE   0 0 1,292
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   204,935 2,604 SH   SOLE   0 0 2,604
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   206,780 2,601 SH   SOLE   0 0 2,601
VANGUARD INDEX FDS SMALL CP ETF 922908751   390,306 1,647 SH   SOLE   0 0 1,647
VANGUARD INDEX FDS SML CP GRW ETF 922908595   246,477 890 SH   SOLE   0 0 890
VANGUARD INDEX FDS SM CP VAL ETF 922908611   335,612 1,721 SH   SOLE   0 0 1,721
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   209,183 2,841 SH   SOLE   0 0 2,841
VANGUARD STAR FDS VG TL INTL STK F 921909768   372,810 5,396 SH   SOLE   0 0 5,396
VERIZON COMMUNICATIONS INC COM 92343V104   247,619 5,723 SH   SOLE   0 0 5,723
VISA INC COM CL A 92826C839   620,269 1,747 SH   SOLE   0 0 1,747
WALMART INC COM 931142103   240,539 2,460 SH   SOLE   0 0 2,460
WASTE MGMT INC DEL COM 94106L109   329,730 1,441 SH   SOLE   0 0 1,441
WISDOMTREE TR YIELD ENHANCD US 97717X511   234,031 5,364 SH   SOLE   0 0 5,364
WISDOMTREE TR DYNAMIC INTL EQT 97717X263   215,076 5,423 SH   SOLE   0 0 5,423
WISDOMTREE TR EUROPE HEDGED EQ 97717X701   200,901 4,175 SH   SOLE   0 0 4,175
WISDOMTREE TR US QTLY DIV GRT 97717X669   353,550 4,222 SH   SOLE   0 0 4,222
WISDOMTREE TR US TOTAL DIVIDND 97717W109   316,331 3,978 SH   SOLE   0 0 3,978
YUM BRANDS INC COM 988498101   253,981 1,714 SH   SOLE   0 0 1,714