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
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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
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   8,652,365 113,653 SH   SOLE   0 0 113,653
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,090,605 13,508 SH   SOLE   0 0 13,508
APPLE INC COM 037833100   4,927,388 25,593 SH   SOLE   0 0 25,593
AMAZON COM INC COM 023135106   4,746,150 31,237 SH   SOLE   0 0 31,237
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,126,398 6,578 SH   SOLE   0 0 6,578
ALPHABET INC CAP STK CL A 02079K305   2,874,972 20,400 SH   SOLE   0 0 20,400
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,650,608 37,812 SH   SOLE   0 0 37,812
MICROSOFT CORP COM 594918104   2,593,015 6,896 SH   SOLE   0 0 6,896
NVIDIA CORPORATION COM 67066G104   2,000,222 4,039 SH   SOLE   0 0 4,039
VERIZON COMMUNICATIONS INC COM 92343V104   1,674,799 44,424 SH   SOLE   0 0 44,424
BOEING CO COM 097023105   1,575,232 6,043 SH   SOLE   0 0 6,043
META PLATFORMS INC CL A 30303M102   1,530,877 4,325 SH   SOLE   0 0 4,325
AT&T INC COM 00206R102   1,490,007 88,797 SH   SOLE   0 0 88,797
INTERNATIONAL BUSINESS MACHS COM 459200101   1,435,638 8,778 SH   SOLE   0 0 8,778
JPMORGAN CHASE & CO COM 46625H100   1,393,481 8,192 SH   SOLE   0 0 8,192
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,366,364 3,831 SH   SOLE   0 0 3,831
BANK AMERICA CORP COM 060505104   1,325,583 39,370 SH   SOLE   0 0 39,370
WELLS FARGO CO NEW PERP PFD CNV A 949746804   1,293,560 26,281 SH   SOLE   0 0 26,281
SALESFORCE INC COM 79466L302   1,290,702 4,905 SH   SOLE   0 0 4,905
INVESCO QQQ TR UNIT SER 1 46090E103   1,257,668 3,071 SH   SOLE   0 0 3,071
TESLA INC COM 88160R101   1,145,990 4,612 SH   SOLE   0 0 4,612
NETFLIX INC COM 64110L106   1,145,629 2,353 SH   SOLE   0 0 2,353
QUALCOMM INC COM 747525103   1,145,014 7,917 SH   SOLE   0 0 7,917
INTEL CORP COM 458140100   1,142,893 22,744 SH   SOLE   0 0 22,744
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   1,125,120 24,422 SH   SOLE   0 0 24,422
CISCO SYS INC COM 17275R102   1,072,201 21,223 SH   SOLE   0 0 21,223
PFIZER INC COM 717081103   1,021,088 35,467 SH   SOLE   0 0 35,467
STARBUCKS CORP COM 855244109   978,713 10,194 SH   SOLE   0 0 10,194
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   966,483 2,213 SH   SOLE   0 0 2,213
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   924,544 19,571 SH   SOLE   0 0 19,571
COCA COLA CO COM 191216100   904,682 15,352 SH   SOLE   0 0 15,352
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   878,537 7,870 SH   SOLE   0 0 7,870
CITIGROUP INC COM NEW 172967424   854,498 16,612 SH   SOLE   0 0 16,612
GENERAL DYNAMICS CORP COM 369550108   836,324 3,221 SH   SOLE   0 0 3,221
BRISTOL-MYERS SQUIBB CO COM 110122108   826,308 16,104 SH   SOLE   0 0 16,104
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   819,509 71,448 SH   SOLE   0 0 71,448
JOHNSON & JOHNSON COM 478160104   794,814 5,071 SH   SOLE   0 0 5,071
AMGEN INC COM 031162100   788,968 2,739 SH   SOLE   0 0 2,739
RTX CORPORATION COM 75513E101   735,391 8,740 SH   SOLE   0 0 8,740
PROCTER AND GAMBLE CO COM 742718109   719,612 4,911 SH   SOLE   0 0 4,911
ALTRIA GROUP INC COM 02209S103   697,686 17,295 SH   SOLE   0 0 17,295
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   664,794 31,831 SH   SOLE   0 0 31,831
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   630,376 17,056 SH   SOLE   0 0 17,056
GILEAD SCIENCES INC COM 375558103   627,673 7,748 SH   SOLE   0 0 7,748
CHEVRON CORP NEW COM 166764100   614,264 4,118 SH   SOLE   0 0 4,118
DISNEY WALT CO COM 254687106   609,638 6,752 SH   SOLE   0 0 6,752
WYNN RESORTS LTD COM 983134107   607,307 6,666 SH   SOLE   0 0 6,666
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   554,886 22,383 SH   SOLE   0 0 22,383
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   545,908 32,379 SH   SOLE   0 0 32,379
HOME DEPOT INC COM 437076102   540,567 1,560 SH   SOLE   0 0 1,560
ISHARES TR ISHARES BIOTECH 464287556   528,996 3,894 SH   SOLE   0 0 3,894
NORFOLK SOUTHN CORP COM 655844108   521,537 2,206 SH   SOLE   0 0 2,206
DELTA AIR LINES INC DEL COM NEW 247361702   519,768 12,920 SH   SOLE   0 0 12,920
3M CO COM 88579Y101   513,196 4,694 SH   SOLE   0 0 4,694
GENERAL MTRS CO COM 37045V100   509,971 14,197 SH   SOLE   0 0 14,197
CATERPILLAR INC COM 149123101   507,765 1,717 SH   SOLE   0 0 1,717
COSTCO WHSL CORP NEW COM 22160K105   498,093 755 SH   SOLE   0 0 755
GOLDMAN SACHS GROUP INC COM 38141G104   494,676 1,282 SH   SOLE   0 0 1,282
MERCK & CO INC COM 58933Y105   494,595 4,537 SH   SOLE   0 0 4,537
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   483,032 2,510 SH   SOLE   0 0 2,510
VISA INC COM CL A 92826C839   465,178 1,787 SH   SOLE   0 0 1,787
MEDTRONIC PLC SHS G5960L103   444,028 5,390 SH   SOLE   0 0 5,390
ABBOTT LABS COM 002824100   439,841 3,996 SH   SOLE   0 0 3,996
ADOBE INC COM 00724F101   427,166 716 SH   SOLE   0 0 716
BP PLC SPONSORED ADR 055622104   426,765 12,056 SH   SOLE   0 0 12,056
ISHARES TR MSCI EMG MKT ETF 464287234   426,562 10,608 SH   SOLE   0 0 10,608
ISHARES TR RUS 1000 GRW ETF 464287614   419,443 1,384 SH   SOLE   0 0 1,384
SPDR SER TR S&P BIOTECH 78464A870   419,166 4,694 SH   SOLE   0 0 4,694
NEXTERA ENERGY INC COM 65339F101   407,284 6,705 SH   SOLE   0 0 6,705
SPDR SER TR S&P 600 SMCP VAL 78464A300   389,502 4,675 SH   SOLE   0 0 4,675
ISHARES TR PFD AND INCM SEC 464288687   388,088 12,443 SH   SOLE   0 0 12,443
ISHARES TR RUS 2000 GRW ETF 464287648   374,821 1,486 SH   SOLE   0 0 1,486
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   361,717 5,610 SH   SOLE   0 0 5,610
ISHARES TR RUS 2000 VAL ETF 464287630   359,766 2,316 SH   SOLE   0 0 2,316
ISHARES TR RUS 1000 VAL ETF 464287598   355,227 2,150 SH   SOLE   0 0 2,150
CLOROX CO DEL COM 189054109   353,680 2,480 SH   SOLE   0 0 2,480
VANGUARD INDEX FDS SMALL CP ETF 922908751   341,659 1,602 SH   SOLE   0 0 1,602
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   335,435 8,161 SH   SOLE   0 0 8,161
COLGATE PALMOLIVE CO COM 194162103   331,022 4,153 SH   SOLE   0 0 4,153
SCHWAB CHARLES CORP COM 808513105   325,244 4,727 SH   SOLE   0 0 4,727
ISHARES TR 20 YR TR BD ETF 464287432   321,820 3,255 SH   SOLE   0 0 3,255
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365   310,866 12,258 SH   SOLE   0 0 12,258
SCHWAB STRATEGIC TR US TIPS ETF 808524870   290,608 5,567 SH   SOLE   0 0 5,567
ADVANCED MICRO DEVICES INC COM 007903107   290,250 1,969 SH   SOLE   0 0 1,969
ISHARES INC MSCI MEXICO ETF 464286822   286,573 4,224 SH   SOLE   0 0 4,224
WISDOMTREE TR EMER MKT HIGH FD 97717W315   285,934 7,029 SH   SOLE   0 0 7,029
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   284,769 13,922 SH   SOLE   0 0 13,922
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   268,236 3,233 SH   SOLE   0 0 3,233
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   266,196 13,743 SH   SOLE   0 0 13,743
AMERICAN AIRLS GROUP INC COM 02376R102   262,984 19,140 SH   SOLE   0 0 19,140
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   256,534 1,881 SH   SOLE   0 0 1,881
ISHARES TR RUSSELL 2000 ETF 464287655   254,865 1,270 SH   SOLE   0 0 1,270
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   254,849 4,540 SH   SOLE   0 0 4,540
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   243,488 3,845 SH   SOLE   0 0 3,845
SCHLUMBERGER LTD COM STK 806857108   243,087 4,671 SH   SOLE   0 0 4,671
PHILIP MORRIS INTL INC COM 718172109   238,956 2,540 SH   SOLE   0 0 2,540
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   236,520 3,071 SH   SOLE   0 0 3,071
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   236,235 8,704 SH   SOLE   0 0 8,704
EXXON MOBIL CORP COM 30231G102   234,634 2,347 SH   SOLE   0 0 2,347
BROADCOM INC COM 11135F101   231,018 207 SH   SOLE   0 0 207
GENERAL ELECTRIC CO COM NEW 369604301   228,574 1,791 SH   SOLE   0 0 1,791
CBOE GLOBAL MKTS INC COM 12503M108   226,451 1,268 SH   SOLE   0 0 1,268
VANGUARD INDEX FDS SM CP VAL ETF 922908611   220,469 1,225 SH   SOLE   0 0 1,225
MORGAN STANLEY COM NEW 617446448   220,335 2,363 SH   SOLE   0 0 2,363
ABBVIE INC COM 00287Y109   211,603 1,365 SH   SOLE   0 0 1,365
PAYPAL HLDGS INC COM 70450Y103   211,373 3,442 SH   SOLE   0 0 3,442
PROSHARES TR S&P 500 DV ARIST 74348A467   206,836 2,173 SH   SOLE   0 0 2,173
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   206,282 7,043 SH   SOLE   0 0 7,043
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548   204,948 11,104 SH   SOLE   0 0 11,104
NORTHROP GRUMMAN CORP COM 666807102   202,672 433 SH   SOLE   0 0 433
SELECT SECTOR SPDR TR ENERGY 81369Y506   201,976 2,409 SH   SOLE   0 0 2,409
FORD MTR CO DEL COM 345370860   201,032 16,492 SH   SOLE   0 0 16,492
WARNER BROS DISCOVERY INC COM SER A 934423104   126,432 11,110 SH   SOLE   0 0 11,110