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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
ABBOTT LABS COM 002824100   797,765 7,053 SH   SOLE   0 0 7,053
ABBVIE INC COM 00287Y109   2,832,716 15,941 SH   SOLE   0 0 15,941
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   208,181 1,896 SH   SOLE   0 0 1,896
ALPHABET INC CAP STK CL C 02079K107   663,348 3,483 SH   SOLE   0 0 3,483
ALPHABET INC CAP STK CL A 02079K305   766,286 4,048 SH   SOLE   0 0 4,048
ALTRIA GROUP INC COM 02209S103   200,506 3,835 SH   SOLE   0 0 3,835
AMAZON COM INC COM 023135106   1,350,126 6,154 SH   SOLE   0 0 6,154
AMGEN INC COM 031162100   415,807 1,595 SH   SOLE   0 0 1,595
APPLE INC COM 037833100   22,482,193 89,778 SH   SOLE   0 0 89,778
AT&T INC COM 00206R102   290,372 12,752 SH   SOLE   0 0 12,752
AUTOMATIC DATA PROCESSING IN COM 053015103   254,968 871 SH   SOLE   0 0 871
BANK MONTREAL QUE COM 063671101   3,686,893 37,990 SH   SOLE   0 0 37,990
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   282,393 623 SH   SOLE   0 0 623
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   232,630 3,632 SH   SOLE   0 0 3,632
BLACKROCK ETF TRUST INT DIVIDEND ETF 09290C848   11,198,626 453,937 SH   SOLE   0 0 453,937
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   8,653,891 168,856 SH   SOLE   0 0 168,856
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   1,745,039 33,546 SH   SOLE   0 0 33,546
BLACKROCK ETF TRUST II ISHARES HIGH YIE 092528108   373,935 16,502 SH   SOLE   0 0 16,502
BLACKSTONE INC COM 09260D107   499,673 2,898 SH   SOLE   0 0 2,898
BP PLC SPONSORED ADR 055622104   695,576 23,531 SH   SOLE   0 0 23,531
BROADCOM INC COM 11135F101   385,550 1,663 SH   SOLE   0 0 1,663
CATERPILLAR INC COM 149123101   570,621 1,573 SH   SOLE   0 0 1,573
CHEVRON CORP NEW COM 166764100   513,747 3,547 SH   SOLE   0 0 3,547
CHIPOTLE MEXICAN GRILL INC COM 169656105   215,452 3,573 SH   SOLE   0 0 3,573
CISCO SYS INC COM 17275R102   243,312 4,110 SH   SOLE   0 0 4,110
CME GROUP INC COM 12572Q105   1,597,278 6,878 SH   SOLE   0 0 6,878
COCA COLA CO COM 191216100   244,073 3,920 SH   SOLE   0 0 3,920
COLUMBIA ETF TR I MULTI SEC MUNI 19761L607   245,324 12,079 SH   SOLE   0 0 12,079
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   4,668,972 157,736 SH   SOLE   0 0 157,736
COMCAST CORP NEW CL A 20030N101   232,836 6,204 SH   SOLE   0 0 6,204
COSTCO WHSL CORP NEW COM 22160K105   569,920 622 SH   SOLE   0 0 622
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   462,031 11,411 SH   SOLE   0 0 11,411
ECOLAB INC COM 278865100   267,386 1,141 SH   SOLE   0 0 1,141
ELI LILLY & CO COM 532457108   460,884 597 SH   SOLE   0 0 597
ENTERPRISE PRODS PARTNERS L COM 293792107   217,164 6,925 SH   SOLE   0 0 6,925
EXXON MOBIL CORP COM 30231G102   338,205 3,144 SH   SOLE   0 0 3,144
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   420,136 23,059 SH   SOLE   0 0 23,059
GRAINGER W W INC COM 384802104   267,729 254 SH   SOLE   0 0 254
HERSHEY CO COM 427866108   220,737 1,303 SH   SOLE   0 0 1,303
HOME DEPOT INC COM 437076102   362,150 931 SH   SOLE   0 0 931
INTERNATIONAL BUSINESS MACHS COM 459200101   299,628 1,363 SH   SOLE   0 0 1,363
INTUITIVE SURGICAL INC COM NEW 46120E602   444,188 851 SH   SOLE   0 0 851
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   4,647,908 97,054 SH   SOLE   0 0 97,054
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   2,519,594 26,519 SH   SOLE   0 0 26,519
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214   1,079,208 38,108 SH   SOLE   0 0 38,108
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,305,885 7,452 SH   SOLE   0 0 7,452
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   320,173 7,695 SH   SOLE   0 0 7,695
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   975,716 23,648 SH   SOLE   0 0 23,648
INVESCO QQQ TR UNIT SER 1 46090E103   2,192,898 4,289 SH   SOLE   0 0 4,289
ISHARES INC CUR HD MSCI EM 46434G509   4,449,411 164,629 SH   SOLE   0 0 164,629
ISHARES INC MSCI EMRG CHN 46434G764   4,175,782 75,307 SH   SOLE   0 0 75,307
ISHARES INC MSCI GBL MIN VOL 464286525   762,531 6,983 SH   SOLE   0 0 6,983
ISHARES INC CORE MSCI EMKT 46434G103   715,634 13,704 SH   SOLE   0 0 13,704
ISHARES TR HDG MSCI EAFE 46434V803   7,826,408 225,220 SH   SOLE   0 0 225,220
ISHARES TR CORE MSCI EAFE 46432F842   372,821 5,305 SH   SOLE   0 0 5,305
ISHARES TR CORE S&P TTL STK 464287150   924,903 7,191 SH   SOLE   0 0 7,191
ISHARES TR 20 YR TR BD ETF 464287432   400,845 4,590 SH   SOLE   0 0 4,590
ISHARES TR MBS ETF 464288588   7,323,607 79,882 SH   SOLE   0 0 79,882
ISHARES TR S&P 500 GRWT ETF 464287309   10,584,994 104,255 SH   SOLE   0 0 104,255
ISHARES TR 0-3 MNTH TREASRY 46436E718   1,138,130 11,345 SH   SOLE   0 0 11,345
ISHARES TR S&P 500 VAL ETF 464287408   5,089,649 26,664 SH   SOLE   0 0 26,664
ISHARES TR US INFRASTRUC 46435U713   377,169 8,148 SH   SOLE   0 0 8,148
ISHARES TR RUS 1000 ETF 464287622   2,037,662 6,325 SH   SOLE   0 0 6,325
ISHARES TR MSCI USA MIN VOL 46429B697   633,783 7,138 SH   SOLE   0 0 7,138
ISHARES TR CORE S&P SCP ETF 464287804   872,099 7,569 SH   SOLE   0 0 7,569
ISHARES TR CORE S&P MCP ETF 464287507   4,146,655 66,549 SH   SOLE   0 0 66,549
ISHARES TR 3 7 YR TREAS BD 464288661   7,425,902 64,266 SH   SOLE   0 0 64,266
ISHARES TR S&P MC 400GR ETF 464287606   388,453 4,272 SH   SOLE   0 0 4,272
ISHARES TR S&P SML 600 GWT 464287887   568,863 4,202 SH   SOLE   0 0 4,202
ISHARES TR IBONDS 26 TRM TS 46436E858   721,275 31,621 SH   SOLE   0 0 31,621
ISHARES TR MSCI EAFE ETF 464287465   308,324 4,078 SH   SOLE   0 0 4,078
ISHARES TR ESG AWR MSCI USA 46435G425   269,105 2,089 SH   SOLE   0 0 2,089
ISHARES TR CORE TOTAL USD 46434V613   2,059,735 45,569 SH   SOLE   0 0 45,569
ISHARES TR INVESTMENT GRADE 46435G219   447,246 10,082 SH   SOLE   0 0 10,082
ISHARES TR RUS MID CAP ETF 464287499   614,790 6,955 SH   SOLE   0 0 6,955
ISHARES TR U.S. UTILITS ETF 464287697   228,122 2,371 SH   SOLE   0 0 2,371
ISHARES TR RUSSELL 2000 ETF 464287655   255,961 1,158 SH   SOLE   0 0 1,158
ISHARES TR SELECT DIVID ETF 464287168   1,451,975 11,059 SH   SOLE   0 0 11,059
ISHARES TR RUS 1000 GRW ETF 464287614   335,796 836 SH   SOLE   0 0 836
ISHARES TR U.S. TECH ETF 464287721   2,357,232 14,777 SH   SOLE   0 0 14,777
ISHARES TR TRS FLT RT BD 46434V860   11,315,722 224,207 SH   SOLE   0 0 224,207
ISHARES TR EAFE VALUE ETF 464288877   2,310,196 44,029 SH   SOLE   0 0 44,029
ISHARES TR CORE HIGH DV ETF 46429B663   306,582 2,731 SH   SOLE   0 0 2,731
ISHARES TR CORE S&P500 ETF 464287200   5,678,109 9,645 SH   SOLE   0 0 9,645
ISHARES TR RUSSELL 3000 ETF 464287689   1,958,751 5,860 SH   SOLE   0 0 5,860
ISHARES TR MSCI USA QLT FCT 46432F339   3,829,269 21,503 SH   SOLE   0 0 21,503
ISHARES TR NATIONAL MUN ETF 464288414   1,066,919 10,013 SH   SOLE   0 0 10,013
ISHARES TR 0-5 YR TIPS ETF 46429B747   498,272 4,953 SH   SOLE   0 0 4,953
ISHARES TR EAFE GRWTH ETF 464288885   2,169,169 22,402 SH   SOLE   0 0 22,402
ISHARES TR SHRT NAT MUN ETF 464288158   960,845 9,109 SH   SOLE   0 0 9,109
ISHARES TR US CONSM STAPLES 464287812   225,236 3,434 SH   SOLE   0 0 3,434
ISHARES TR U.S. FINLS ETF 464287788   353,856 3,200 SH   SOLE   0 0 3,200
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,460,703 48,525 SH   SOLE   0 0 48,525
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   35,440,598 618,834 SH   SOLE   0 0 618,834
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   237,444 4,714 SH   SOLE   0 0 4,714
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724   14,774,581 238,146 SH   SOLE   0 0 238,146
J P MORGAN EXCHANGE TRADED F U S TECH LEADERS 46654Q732   10,036,339 132,633 SH   SOLE   0 0 132,633
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   1,502,343 29,626 SH   SOLE   0 0 29,626
JOHNSON & JOHNSON COM 478160104   779,538 5,390 SH   SOLE   0 0 5,390
JPMORGAN CHASE & CO. COM 46625H100   557,565 2,326 SH   SOLE   0 0 2,326
LOWES COS INC COM 548661107   379,578 1,538 SH   SOLE   0 0 1,538
MAIN STR CAP CORP COM 56035L104   502,799 8,583 SH   SOLE   0 0 8,583
MCDONALDS CORP COM 580135101   769,397 2,654 SH   SOLE   0 0 2,654
MCKESSON CORP COM 58155Q103   271,847 477 SH   SOLE   0 0 477
META PLATFORMS INC CL A 30303M102   592,536 1,012 SH   SOLE   0 0 1,012
MICROSOFT CORP COM 594918104   1,897,125 4,501 SH   SOLE   0 0 4,501
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   1,160,817 48,692 SH   SOLE   0 0 48,692
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   251,073 10,457 SH   SOLE   0 0 10,457
NEXTERA ENERGY INC COM 65339F101   286,903 4,002 SH   SOLE   0 0 4,002
NVIDIA CORPORATION COM 67066G104   1,038,347 7,732 SH   SOLE   0 0 7,732
ORACLE CORP COM 68389X105   530,582 3,184 SH   SOLE   0 0 3,184
PACER FDS TR US CASH COWS 100 69374H881   733,902 12,994 SH   SOLE   0 0 12,994
PARSONS CORP DEL COM 70202L102   934,954 10,135 SH   SOLE   0 0 10,135
PAYCHEX INC COM 704326107   210,470 1,501 SH   SOLE   0 0 1,501
PEPSICO INC COM 713448108   588,688 3,871 SH   SOLE   0 0 3,871
PGIM ETF TR PGIM ULTRA SH BD 69344A107   7,447,365 150,300 SH   SOLE   0 0 150,300
PGIM ETF TR AAA CLO ETF 69344A834   540,570 10,558 SH   SOLE   0 0 10,558
PIMCO ETF TR INTER MUN BD ACT 72201R866   485,227 9,380 SH   SOLE   0 0 9,380
PIMCO ETF TR 1-5 US TIP IDX 72201R205   432,619 8,272 SH   SOLE   0 0 8,272
PROCTER AND GAMBLE CO COM 742718109   664,397 3,963 SH   SOLE   0 0 3,963
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   580,659 25,050 SH   SOLE   0 0 25,050
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   5,121,494 225,616 SH   SOLE   0 0 225,616
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,425,637 14,733 SH   SOLE   0 0 14,733
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   493,604 3,588 SH   SOLE   0 0 3,588
SELECT SECTOR SPDR TR INDL 81369Y704   653,134 4,957 SH   SOLE   0 0 4,957
SPDR GOLD TR GOLD SHS 78463V107   677,238 2,797 SH   SOLE   0 0 2,797
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855   651,217 11,006 SH   SOLE   0 0 11,006
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,655,191 107,096 SH   SOLE   0 0 107,096
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,173,181 30,575 SH   SOLE   0 0 30,575
SPDR S&P 500 ETF TR TR UNIT 78462F103   14,017,007 23,917 SH   SOLE   0 0 23,917
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   512,738 900 SH   SOLE   0 0 900
SPDR SER TR PORTFLI INTRMDIT 78464A672   1,009,860 36,222 SH   SOLE   0 0 36,222
SPDR SER TR NUVEEN BLMBRG MU 78468R721   593,197 13,003 SH   SOLE   0 0 13,003
SPDR SER TR PRTFLO S&P500 GW 78464A409   13,469,189 153,233 SH   SOLE   0 0 153,233
SPDR SER TR PORTFOLIO SH TSR 78468R101   1,506,005 51,913 SH   SOLE   0 0 51,913
SPDR SER TR BLOOMBERG 3-12 M 78468R523   255,212 2,574 SH   SOLE   0 0 2,574
SPDR SER TR PORTFOLI S&P1500 78464A805   845,460 11,836 SH   SOLE   0 0 11,836
SPDR SER TR PORTFOLIO AGRGTE 78464A649   5,546,305 221,941 SH   SOLE   0 0 221,941
SPDR SER TR S&P DIVID ETF 78464A763   336,327 2,546 SH   SOLE   0 0 2,546
SPDR SER TR PORT MTG BK ETF 78464A383   3,024,217 140,335 SH   SOLE   0 0 140,335
SPDR SER TR PORTFOLIO S&P600 78468R853   531,243 11,826 SH   SOLE   0 0 11,826
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,174,755 44,855 SH   SOLE   0 0 44,855
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,713,124 18,737 SH   SOLE   0 0 18,737
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,755,165 53,875 SH   SOLE   0 0 53,875
SPDR SER TR PORTFOLIO S&P400 78464A847   310,967 5,686 SH   SOLE   0 0 5,686
SPDR SER TR PORTFOLIO S&P500 78464A854   62,996,158 913,782 SH   SOLE   0 0 913,782
SPDR SER TR BBG CONV SEC ETF 78464A359   257,777 3,309 SH   SOLE   0 0 3,309
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   352,830 8,380 SH   SOLE   0 0 8,380
TESLA INC COM 88160R101   346,906 859 SH   SOLE   0 0 859
TEXAS INSTRS INC COM 882508104   250,701 1,337 SH   SOLE   0 0 1,337
THE CAMPBELLS COMPANY COM 134429109   621,122 14,831 SH   SOLE   0 0 14,831
TIDAL ETF TR SP FDS S&P 500 886364801   1,089,091 25,369 SH   SOLE   0 0 25,369
TIDAL ETF TR SP DWJNS SUKUK 886364702   467,610 26,226 SH   SOLE   0 0 26,226
UNITED PARCEL SERVICE INC CL B 911312106   234,294 1,858 SH   SOLE   0 0 1,858
US BANCORP DEL COM NEW 902973304   219,779 4,595 SH   SOLE   0 0 4,595
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   305,950 2,900 SH   SOLE   0 0 2,900
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   510,799 2,013 SH   SOLE   0 0 2,013
VANGUARD INDEX FDS MID CAP ETF 922908629   412,043 1,560 SH   SOLE   0 0 1,560
VANGUARD INDEX FDS GROWTH ETF 922908736   1,538,248 3,748 SH   SOLE   0 0 3,748
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   436,296 2,697 SH   SOLE   0 0 2,697
VANGUARD INDEX FDS TOTAL STK MKT 922908769   455,482 1,572 SH   SOLE   0 0 1,572
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   668,147 11,484 SH   SOLE   0 0 11,484
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   483,504 2,469 SH   SOLE   0 0 2,469
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   267,393 2,096 SH   SOLE   0 0 2,096
VANGUARD WORLD FD CONSUM STP ETF 92204A207   412,191 1,950 SH   SOLE   0 0 1,950
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   330,692 1,304 SH   SOLE   0 0 1,304
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   220,048 865 SH   SOLE   0 0 865
VANGUARD WORLD FD MEGA GRWTH IND 921910816   339,451 988 SH   SOLE   0 0 988
VANGUARD WORLD FD INF TECH ETF 92204A702   323,648 521 SH   SOLE   0 0 521
VERIZON COMMUNICATIONS INC COM 92343V104   429,053 10,729 SH   SOLE   0 0 10,729
VISA INC COM CL A 92826C839   251,884 797 SH   SOLE   0 0 797
WALMART INC COM 931142103   892,929 9,883 SH   SOLE   0 0 9,883
WASTE MGMT INC DEL COM 94106L109   212,510 1,053 SH   SOLE   0 0 1,053
WELLS FARGO CO NEW COM 949746101   1,003,624 14,289 SH   SOLE   0 0 14,289
WISDOMTREE TR GLB HIGH DIV FD 97717W877   285,561 5,458 SH   SOLE   0 0 5,458
WISDOMTREE TR US MIDCAP DIVID 97717W505   485,744 9,530 SH   SOLE   0 0 9,530
WISDOMTREE TR ITL HIGH DIV FD 97717W802   850,264 22,506 SH   SOLE   0 0 22,506
WISDOMTREE TR US TOTAL DIVIDND 97717W109   6,909,770 91,083 SH   SOLE   0 0 91,083
WISDOMTREE TR GLB US QTLY DIV 97717W844   4,483,435 124,609 SH   SOLE   0 0 124,609
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   29,714,972 590,520 SH   SOLE   0 0 590,520
WORLD GOLD TR SPDR GLD MINIS 98149E303   801,738 15,421 SH   SOLE   0 0 15,421