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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 14,266 282,614 SH   SOLE   0 282,614 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 12,507 72,820 SH   SOLE   0 72,820 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 8,215 73,280 SH   SOLE   0 73,280 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8,125 100,521 SH   SOLE   0 100,521 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,384 66,603 SH   SOLE   0 66,603 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 4,244 15,930 SH   SOLE   0 15,930 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,208 14,073 SH   SOLE   0 14,073 0
PFIZER INC COM 717081103 3,171 53,703 SH   SOLE   0 53,703 0
APPLE INC COM 037833100 3,156 17,776 SH   SOLE   0 17,776 0
MICROSOFT CORP COM 594918104 2,636 7,839 SH   SOLE   0 7,839 0
JPMORGAN CHASE & CO COM 46625H100 2,457 15,514 SH   SOLE   0 15,514 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,274 43,766 SH   SOLE   0 43,766 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,863 4,681 SH   SOLE   0 4,681 0
BK OF AMERICA CORP COM 060505104 1,788 40,183 SH   SOLE   0 40,183 0
JOHNSON & JOHNSON COM 478160104 1,781 10,412 SH   SOLE   0 10,412 0
MERCK & CO INC COM 58933Y105 1,757 22,921 SH   SOLE   0 22,921 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,487 9,080 SH   SOLE   0 9,080 0
ALPHABET INC CAP STK CL C 02079K107 1,461 505 SH   SOLE   0 505 0
CHEVRON CORP NEW COM 166764100 1,208 10,297 SH   SOLE   0 10,297 0
ALTRIA GROUP INC COM 02209S103 1,135 23,941 SH   SOLE   0 23,941 0
METLIFE INC COM 59156R108 1,002 16,042 SH   SOLE   0 16,042 0
CISCO SYS INC COM 17275R102 938 14,805 SH   SOLE   0 14,805 0
KINDER MORGAN INC DEL COM 49456B101 908 57,258 SH   SOLE   0 57,258 0
MCDONALDS CORP COM 580135101 877 3,270 SH   SOLE   0 3,270 0
VISA INC COM CL A 92826C839 876 4,042 SH   SOLE   0 4,042 0
SPDR GOLD TR GOLD SHS 78463V107 875 5,120 SH   SOLE   0 5,120 0
META PLATFORMS INC CL A 30303M102 819 2,436 SH   SOLE   0 2,436 0
US BANCORP DEL COM NEW 902973304 801 14,256 SH   SOLE   0 14,256 0
AMGEN INC COM 031162100 770 3,424 SH   SOLE   0 3,424 0
INTEL CORP COM 458140100 770 14,943 SH   SOLE   0 14,943 0
GOLDMAN SACHS GROUP INC COM 38141G104 733 1,915 SH   SOLE   0 1,915 0
COMCAST CORP NEW CL A 20030N101 731 14,521 SH   SOLE   0 14,521 0
AT&T INC COM 00206R102 672 27,306 SH   SOLE   0 27,306 0
PHILIP MORRIS INTL INC COM 718172109 668 7,031 SH   SOLE   0 7,031 0
AMERICAN INTL GROUP INC COM NEW 026874784 663 11,656 SH   SOLE   0 11,656 0
HOME DEPOT INC COM 437076102 613 1,477 SH   SOLE   0 1,477 0
DUKE ENERGY CORP NEW COM NEW 26441C204 557 5,311 SH   SOLE   0 5,311 0
AMAZON COM INC COM 023135106 554 166 SH   SOLE   0 166 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 551 1,161 SH   SOLE   0 1,161 0
PEPSICO INC COM 713448108 518 2,980 SH   SOLE   0 2,980 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 506 5,975 SH   SOLE   0 5,975 0
NEW YORK CMNTY BANCORP INC COM 649445103 473 38,700 SH   SOLE   0 38,700 0
COSTCO WHSL CORP NEW COM 22160K105 385 678 SH   SOLE   0 678 0
NOVARTIS AG SPONSORED ADR 66987V109 380 4,345 SH   SOLE   0 4,345 0
TESLA INC COM 88160R101 264 250 SH   SOLE   0 250 0
VANGUARD INDEX FDS GROWTH ETF 922908736 221 689 SH   SOLE   0 689 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 165 21,058 SH   SOLE   0 21,058 0
BLACKROCK MUNI INCOME TR II COM 09249N101 151 10,000 SH   SOLE   0 10,000 0
MFA FINL INC COM 55272X102 54 11,912 SH   SOLE   0 11,912 0