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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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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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 701,018 4,657 SH   SOLE   0 0 4,657
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,439,323 16,055 SH   SOLE   0 0 16,055
AMAZON COM INC COM 023135106 BBG001S5PQL7 612,720 3,404 SH   SOLE   0 0 3,404
AON PLC SHS CL A G0403H108 BBG00SSQFPR9 534,165 1,697 SH   SOLE   0 0 1,697
APPLE INC COM 037833100 BBG001S5N8V8 2,848,572 16,873 SH   SOLE   0 0 16,873
BOEING CO COM 097023105 BBG001S5P0V3 367,863 2,007 SH   SOLE   0 0 2,007
CATERPILLAR INC COM 149123101 BBG001S5PJ06 374,967 1,014 SH   SOLE   0 0 1,014
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 384,853 2,395 SH   SOLE   0 0 2,395
DISNEY WALT CO COM 254687106 BBG001S5QHF3 401,853 3,432 SH   SOLE   0 0 3,432
EDISON INTL COM 281020107 BBG001S7MY75 457,859 6,555 SH   SOLE   0 0 6,555
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 BBG00KJR2V68 1,068,707 31,040 SH   SOLE   0 0 31,040
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 4,729,736 91,431 SH   SOLE   0 0 91,431
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 260,106 6,600 SH   SOLE   0 0 6,600
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 200,224 3,936 SH   SOLE   0 0 3,936
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 7,000,965 179,650 SH   SOLE   0 0 179,650
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 74,595,475 3,306,537 SH   SOLE   0 0 3,306,537
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,632,818 10,707 SH   SOLE   0 0 10,707
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 242,606 1,240 SH   SOLE   0 0 1,240
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 209,716 2,499 SH   SOLE   0 0 2,499
MERCK & CO INC COM 58933Y105 BBG001S5TC52 251,746 1,972 SH   SOLE   0 0 1,972
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,161,321 2,273 SH   SOLE   0 0 2,273
MGM RESORTS INTERNATIONAL COM 552953101 BBG001S6BYT5 343,400 7,488 SH   SOLE   0 0 7,488
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,405,748 3,364 SH   SOLE   0 0 3,364
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 347,915 405 SH   SOLE   0 0 405
PEARSON PLC SPONSORED ADR 705015105 BBG001S5VFT6 173,642 13,705 SH   SOLE   0 0 13,705
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 43,281,606 874,199 SH   SOLE   0 0 874,199
REALTY INCOME CORP COM 756109104 BBG001S884K0 591,817 11,247 SH   SOLE   0 0 11,247
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 72,711,161 1,491,511 SH   SOLE   0 0 1,491,511
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 388,562 1,837 SH   SOLE   0 0 1,837
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 362,227 706 SH   SOLE   0 0 706
SPDR SER TR PORTFOLIO SH TSR 78468R101 BBG0029J2KF1 49,004,380 1,699,181 SH   SOLE   0 0 1,699,181
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 56,442,918 167,100 SH   SOLE   0 0 167,100
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 215,372 1,412 SH   SOLE   0 0 1,412
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 14,237,580 58,406 SH   SOLE   0 0 58,406
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 80,103,296 169,898 SH   SOLE   0 0 169,898
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 14,241,584 64,212 SH   SOLE   0 0 64,212
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 426,217 1,674 SH   SOLE   0 0 1,674
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 36,848,468 230,938 SH   SOLE   0 0 230,938
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 BBG001TCHM11 824,163 3,529 SH   SOLE   0 0 3,529
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 22,526,831 126,513 SH   SOLE   0 0 126,513
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 869,076 7,428 SH   SOLE   0 0 7,428