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 BBG0025Y4RZ3 227,730 1,282 SH   SOLE   1,282 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 433,822 2,278 SH   SOLE   2,278 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,476,299 6,729 SH   SOLE   6,729 0 0
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 354,348 1,932 SH   SOLE   1,932 0 0
APPLE INC COM 037833100 BBG001S5N8V8 2,280,048 9,105 SH   SOLE   9,105 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,696,174 3,742 SH   SOLE   3,742 0 0
CAVA GROUP INC COM 148929102 BBG00GBR8762 203,040 1,800 SH   SOLE   1,800 0 0
CVR PARTNERS LP COM 126633205 BBG001TWQXN9 265,860 3,500 SH   SOLE   3,500 0 0
DISCOVER FINL SVCS COM 254709108 BBG001SS0KV6 3,853,848 22,247 SH   SOLE   22,247 0 0
ELECTRONIC ARTS INC COM 285512109 BBG001S5T5C9 204,674 1,399 SH   SOLE   1,399 0 0
INNOVATOR ETFS TRUST INNOVATOR INTER 45783Y533 BBG01J43LCY9 352,295 12,785 SH   SOLE   12,785 0 0
INNOVATOR ETFS TRUST INTERNATIONAL DE 45783Y426 BBG01KCH54N4 322,724 12,171 SH   SOLE   12,171 0 0
INNOVATOR ETFS TRUST INTERNATIONAL DV 45782C631 BBG012S32N86 360,550 12,304 SH   SOLE   12,304 0 0
INNOVATOR ETFS TRUST INTRNL DEV JULY 45782C722 BBG00PLYT1X6 337,143 12,173 SH   SOLE   12,173 0 0
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870 BBG00NR9QB16 240,006 6,539 SH   SOLE   6,539 0 0
INNOVATOR ETFS TRUST US EQTY BUFR JAN 45782C409 BBG00MYXK7W8 387,100 8,073 SH   SOLE   8,073 0 0
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680 BBG00PVP39R2 765,111 19,873 SH   SOLE   19,873 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 BBG00MYXKL20 275,301 6,516 SH   SOLE   6,516 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417 BBG00RHZ5CR3 304,667 8,279 SH   SOLE   8,279 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C383 BBG00S1NDLX9 252,916 6,293 SH   SOLE   6,293 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540 BBG00QYND1G0 529,389 13,779 SH   SOLE   13,779 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656 BBG00Q4028Q9 1,011,176 25,871 SH   SOLE   25,871 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C797 BBG00M4NZTF8 523,820 13,239 SH   SOLE   13,239 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813 BBG00LNDTJL3 505,279 12,273 SH   SOLE   12,273 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573 BBG00QPZ1F93 363,106 9,587 SH   SOLE   9,587 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318 BBG00TGM5Q16 269,916 7,517 SH   SOLE   7,517 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 255,515 1,162 SH   SOLE   1,162 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 2,362,642 45,244 SH   SOLE   45,244 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 1,532,451 16,576 SH   SOLE   16,576 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 11,936,028 194,588 SH   SOLE   194,588 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 7,337,302 104,401 SH   SOLE   104,401 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,671,727 14,509 SH   SOLE   14,509 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 32,625,940 55,422 SH   SOLE   55,422 0 0
ISHARES TR HDG MSCI EAFE 46434V803 BBG005XKVF72 320,986 9,237 SH   SOLE   9,237 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 971,606 9,094 SH   SOLE   9,094 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 206,555 4,010 SH   SOLE   4,010 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 720,335 9,527 SH   SOLE   9,527 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 696,624 6,538 SH   SOLE   6,538 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 748,144 1,863 SH   SOLE   1,863 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 441,478 1,998 SH   SOLE   1,998 0 0
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 535,003 4,926 SH   SOLE   4,926 0 0
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 360,514 3,874 SH   SOLE   3,874 0 0
JOHNSON CTLS INTL PLC SHS G51502105 BBG001S5WZ84 404,358 5,123 SH   SOLE   5,123 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 340,628 1,421 SH   SOLE   1,421 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 1,972,430 4,059 SH   SOLE   4,059 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 722,873 1,715 SH   SOLE   1,715 0 0
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 4,959,403 39,448 SH   SOLE   39,448 0 0
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 6,625 10,000 PRN Put SOLE   10,000 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 954,604 1,071 SH   SOLE   1,071 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 408,510 3,042 SH   SOLE   3,042 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 288,786 1,723 SH   SOLE   1,723 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 335,045 2,181 SH   SOLE   2,181 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 736,024 31,753 SH   SOLE   31,753 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 242,822 11,530 SH   SOLE   11,530 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 322,836 9,459 SH   SOLE   9,459 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 6,219,481 10,612 SH   SOLE   10,612 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 3,450 500 PRN Put SOLE   500 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 BBG001SQS7X7 298,917 3,131 SH   SOLE   3,131 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 BBG002QLYD04 1,270,807 50,329 SH   SOLE   50,329 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 404,148 8,859 SH   SOLE   8,859 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 721,939 15,234 SH   SOLE   15,234 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 350,257 10,692 SH   SOLE   10,692 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 626,529 9,088 SH   SOLE   9,088 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 205,108 6,869 SH   SOLE   6,869 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 237,054 587 SH   SOLE   587 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 271,647 537 SH   SOLE   537 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 10,869,858 379,137 SH   SOLE   379,137 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 BBG001SZDBR1 295,212 5,687 SH   SOLE   5,687 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 18,697,781 98,420 SH   SOLE   98,420 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,322,848 3,223 SH   SOLE   3,223 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 20,294,949 227,828 SH   SOLE   227,828 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 467,687 868 SH   SOLE   868 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 592,994 2,046 SH   SOLE   2,046 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 205,869 1,216 SH   SOLE   1,216 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 7,817,346 177,506 SH   SOLE   177,506 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 818,446 12,895 SH   SOLE   12,895 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 23,371,251 402,953 SH   SOLE   402,953 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 32,045,013 399,215 SH   SOLE   399,215 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 22,849,127 292,900 SH   SOLE   292,900 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 7,957,552 40,635 SH   SOLE   40,635 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 22,094,054 462,025 SH   SOLE   462,025 0 0