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
SPDR S&P HOMEBUILDERS ETF ETF 78464A888 204 2,383 SH   SOLE   0 0 2,383
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 206 1,006 SH   SOLE   0 0 1,006
VANGUARD S&P 500 ETF ETF 922908363 216 495 SH   SOLE   0 0 495
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 217 852 SH   SOLE   0 0 852
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432 217 1,465 SH   SOLE   0 0 1,465
NVIDIA CORPORATION COM Stock 67066G104 293 996 SH   SOLE   0 0 996
META PLATFORMS INC CL A Stock 30303M102 307 912 SH   SOLE   0 0 912
VANGUARD MID-CAP INDEX FUND ETF 922908629 378 1,484 SH   SOLE   0 0 1,484
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 502 2,987 SH   SOLE   0 0 2,987
MICROSOFT CORP COM Stock 594918104 527 1,567 SH   SOLE   0 0 1,567
ARK INNOVATION ETF ETF 00214Q104 536 5,669 SH   SOLE   0 0 5,669
SCHWAB U.S. MID-CAP ETF ETF 808524508 543 6,752 SH   SOLE   0 0 6,752
APPLE INC COM Stock 037833100 649 3,656 SH   SOLE   0 0 3,656
AMAZON COM INC COM Stock 023135106 684 205 SH   SOLE   0 0 205
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201 688 7,414 SH   SOLE   0 0 7,414
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 842 16,552 SH   SOLE   0 0 16,552
GLOBAL X CLOUD COMPUTING ETF ETF 37954Y442 1,091 41,150 SH   SOLE   0 0 41,150
VANGUARD S&P SMALL-CAP 600 GROWTH ETF ETF 921932794 1,218 5,093 SH   SOLE   0 0 5,093
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1,299 17,740 SH   SOLE   0 0 17,740
ISHARES RUSSELL 2000 ETF ETF 464287655 1,320 5,933 SH   SOLE   0 0 5,933
ALPHABET INC CAP STK CL C Stock 02079K107 1,464 506 SH   SOLE   0 0 506
SPDR BLOOMBERG HIGH YIELD BOND ETF ETF 78468R622 1,743 16,058 SH   SOLE   0 0 16,058
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 2,143 16,174 SH   SOLE   0 0 16,174
ISHARES U.S. HOME CONSTRUCTION ETF ETF 464288752 2,306 27,808 SH   SOLE   0 0 27,808
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 2,361 16,761 SH   SOLE   0 0 16,761
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 2,422 13,932 SH   SOLE   0 0 13,932
SCHWAB US AGGREGATE BOND ETF ETF 808524839 2,646 49,085 SH   SOLE   0 0 49,085
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 2,688 21,961 SH   SOLE   0 0 21,961
SPDR DOW JONES INDUSTRIAL AVERAGE ETF ETF 78467X109 2,810 7,734 SH   SOLE   0 0 7,734
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 2,960 34,931 SH   SOLE   0 0 34,931
REAL ESTATE SELECT SECTOR SPDR FUND ETF 81369Y860 3,238 62,501 SH   SOLE   0 0 62,501
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 3,622 21,811 SH   SOLE   0 0 21,811
ISHARES SHORT TREASURY BOND ETF ETF 464288679 3,862 34,976 SH   SOLE   0 0 34,976
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 3,898 48,226 SH   SOLE   0 0 48,226
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 3,973 101,746 SH   SOLE   0 0 101,746
SPDR S&P 500 ETF ETF 78462F103 3,981 8,382 SH   SOLE   0 0 8,382
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 4,167 99,223 SH   SOLE   0 0 99,223
O'SHARES GLOBAL INTERNET GIANTS ETF ETF 67110P704 4,268 86,690 SH   SOLE   0 0 86,690
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 4,555 27,819 SH   SOLE   0 0 27,819
ISHARES RUSSELL 1000 ETF ETF 464287622 4,671 17,663 SH   SOLE   0 0 17,663
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 5,086 44,586 SH   SOLE   0 0 44,586
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 5,223 17,091 SH   SOLE   0 0 17,091
VANECK SEMICONDUCTOR ETF ETF 92189F676 5,705 18,476 SH   SOLE   0 0 18,476
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 5,974 69,843 SH   SOLE   0 0 69,843
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648 7,160 24,434 SH   SOLE   0 0 24,434
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 7,245 62,880 SH   SOLE   0 0 62,880
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 8,250 113,845 SH   SOLE   0 0 113,845
INVESCO QQQ TRUST ETF 46090E103 11,017 27,692 SH   SOLE   0 0 27,692
SCHWAB U.S. TIPS ETF ETF 808524870 13,573 215,829 SH   SOLE   0 0 215,829