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
AMAZON COM INC COM 023135106 BBG001S5PQL7 308,490 2,124 SH   SOLE   0 0 2,124
AON PLC SHS CL A G0403H108 BBG00SSQFPR9 491,434 1,697 SH   SOLE   0 0 1,697
APPLE INC COM 037833100 BBG001S5N8V8 3,017,565 16,655 SH   SOLE   0 0 16,655
BOEING CO COM 097023105 BBG001S5P0V3 501,237 2,013 SH   SOLE   0 0 2,013
CATERPILLAR INC COM 149123101 BBG001S5PJ06 272,750 944 SH   SOLE   0 0 944
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 351,635 2,338 SH   SOLE   0 0 2,338
DISNEY WALT CO COM 254687106 BBG001S5QHF3 214,706 2,362 SH   SOLE   0 0 2,362
EDISON INTL COM 281020107 BBG001S7MY75 475,656 6,554 SH   SOLE   0 0 6,554
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 782,148 7,835 SH   SOLE   0 0 7,835
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 5,889,922 118,557 SH   SOLE   0 0 118,557
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 241,483 6,706 SH   SOLE   0 0 6,706
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 6,096,376 165,978 SH   SOLE   0 0 165,978
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 46,521,662 422,195 SH   SOLE   0 0 422,195
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 68,197,571 2,987,191 SH   SOLE   0 0 2,987,191
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,249,724 7,756 SH   SOLE   0 0 7,756
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 213,615 1,240 SH   SOLE   0 0 1,240
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 242,547 2,868 SH   SOLE   0 0 2,868
MERCK & CO INC COM 58933Y105 BBG001S5TC52 220,139 1,878 SH   SOLE   0 0 1,878
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 799,982 2,273 SH   SOLE   0 0 2,273
MGM RESORTS INTERNATIONAL COM 552953101 BBG001S6BYT5 335,687 7,488 SH   SOLE   0 0 7,488
MICROSOFT CORP COM 594918104 BBG001S5TD05 225,799 614 SH   SOLE   0 0 614
PEARSON PLC SPONSORED ADR 705015105 BBG001S5VFT6 169,668 13,705 SH   SOLE   0 0 13,705
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 45,431,712 919,112 SH   SOLE   0 0 919,112
REALTY INCOME CORP COM 756109104 BBG001S884K0 568,948 9,823 SH   SOLE   0 0 9,823
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 22,768,111 461,173 SH   SOLE   0 0 461,173
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 298,605 1,577 SH   SOLE   0 0 1,577
SPDR SER TR PORTFLI INTRMDIT 78464A672 BBG001STKCX8 253,080 8,927 SH   SOLE   0 0 8,927
SPDR SER TR PORTFOLIO SH TSR 78468R101 BBG0029J2KF1 45,128,292 1,556,148 SH   SOLE   0 0 1,556,148
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 46,266,887 153,512 SH   SOLE   0 0 153,512
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 203,257 1,412 SH   SOLE   0 0 1,412
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 12,209,130 53,521 SH   SOLE   0 0 53,521
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 68,768,122 159,933 SH   SOLE   0 0 159,933
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 12,092,847 58,456 SH   SOLE   0 0 58,456
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 390,243 1,674 SH   SOLE   0 0 1,674
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 32,376,669 216,393 SH   SOLE   0 0 216,393
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 BBG001TCHM11 752,912 3,529 SH   SOLE   0 0 3,529
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 19,196,057 113,943 SH   SOLE   0 0 113,943
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 816,125 7,443 SH   SOLE   0 0 7,443