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
ALPHABET INC CAP STK CL C 02079K107   898,821 6,817 SH   SOLE   0 0 6,817
ALPHABET INC CAP STK CL A 02079K305   499,885 3,820 SH   SOLE   0 0 3,820
AMGEN INC COM 031162100   237,492 884 SH   SOLE   0 0 884
APPLE INC COM 037833100   7,074,014 41,318 SH   SOLE   0 0 41,318
ARBUTUS BIOPHARMA CORP COM 03879J100   40,600 20,000 SH   SOLE   0 0 20,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   487,618 1,392 SH   SOLE   0 0 1,392
BLACKROCK FLOATING RATE INCO COM 09255X100   765,521 60,659 SH   SOLE   0 0 60,659
BROADCOM INC COM 11135F101   531,700 640 SH   SOLE   0 0 640
CHEVRON CORP NEW COM 166764100   656,477 3,893 SH   SOLE   0 0 3,893
COSTCO WHSL CORP NEW COM 22160K105   225,709 400 SH   SOLE   0 0 400
CUMMINS INC COM 231021106   939,316 4,112 SH   SOLE   0 0 4,112
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   349,376 10,270 SH   SOLE   0 0 10,270
FORD MTR CO DEL COM 345370860   260,851 21,002 SH   SOLE   0 0 21,002
GRANITESHARES GOLD TR SHS BEN INT 38748G101   1,339,796 73,293 SH   SOLE   0 0 73,293
HOLOGIC INC COM 436440101   442,217 6,372 SH   SOLE   0 0 6,372
INTERNATIONAL BUSINESS MACHS COM 459200101   803,620 5,728 SH   SOLE   0 0 5,728
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   1,937,321 176,924 SH   SOLE   0 0 176,924
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529   331,892 15,626 SH   SOLE   0 0 15,626
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   1,391,464 62,202 SH   SOLE   0 0 62,202
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   253,878 13,110 SH   SOLE   0 0 13,110
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   260,906 12,974 SH   SOLE   0 0 12,974
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   229,212 11,089 SH   SOLE   0 0 11,089
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   867,877 40,880 SH   SOLE   0 0 40,880
INVESCO QQQ TR UNIT SER 1 46090E103   728,237 2,033 SH   SOLE   0 0 2,033
ISHARES GOLD TR ISHARES NEW 464285204   4,508,392 128,848 SH   SOLE   0 0 128,848
ISHARES TR FLTG RATE NT ETF 46429B655   1,628,391 31,998 SH   SOLE   0 0 31,998
ISHARES TR SELECT DIVID ETF 464287168   692,083 6,430 SH   SOLE   0 0 6,430
ISHARES TR CONV BD ETF 46435G102   4,963,591 66,886 SH   SOLE   0 0 66,886
ISHARES TR IBONDS DEC2026 46435GAA0   223,031 9,558 SH   SOLE   0 0 9,558
ISHARES TR IBONDS DEC 26 46435U259   256,022 10,319 SH   SOLE   0 0 10,319
ISHARES TR IBONDS DEC 27 46435U283   269,257 10,999 SH   SOLE   0 0 10,999
ISHARES TR IBONDS DEC 25 46435U432   549,033 21,052 SH   SOLE   0 0 21,052
ISHARES TR NATIONAL MUN ETF 464288414   2,559,840 24,964 SH   SOLE   0 0 24,964
ISHARES TR NEW YORK MUN ETF 464288323   533,059 10,446 SH   SOLE   0 0 10,446
ISHARES TR RUS 1000 ETF 464287622   894,933 3,810 SH   SOLE   0 0 3,810
ISHARES TR RUSSELL 2000 ETF 464287655   259,050 1,466 SH   SOLE   0 0 1,466
ISHARES TR SHRT NAT MUN ETF 464288158   867,049 8,429 SH   SOLE   0 0 8,429
ISHARES TR PFD AND INCM SEC 464288687   4,949,820 164,173 SH   SOLE   0 0 164,173
LISTED FD TR OVERLAY 53656F581   226,424 8,451 SH   SOLE   0 0 8,451
MCKESSON CORP COM 58155Q103   284,392 654 SH   SOLE   0 0 654
MEDTRONIC PLC SHS G5960L103   653,601 8,341 SH   SOLE   0 0 8,341
MICROSOFT CORP COM 594918104   1,767,750 5,599 SH   SOLE   0 0 5,599
NEXTERA ENERGY INC COM 65339F101   365,853 6,386 SH   SOLE   0 0 6,386
NUVEEN FLOATING RATE INCOME COM 67072T108   1,736,967 211,567 SH   SOLE   0 0 211,567
NVIDIA CORPORATION COM 67066G104   1,004,415 2,309 SH   SOLE   0 0 2,309
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   2,890,629 61,549 SH   SOLE   0 0 61,549
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,501,705 62,728 SH   SOLE   0 0 62,728
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,082,886 61,334 SH   SOLE   0 0 61,334
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   223,788 4,668 SH   SOLE   0 0 4,668
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   722,710 17,448 SH   SOLE   0 0 17,448
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,855,187 101,382 SH   SOLE   0 0 101,382
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,223,054 50,261 SH   SOLE   0 0 50,261
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   398,562 7,995 SH   SOLE   0 0 7,995
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   13,599,249 192,188 SH   SOLE   0 0 192,188
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,383,511 19,025 SH   SOLE   0 0 19,025
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   429,378 6,661 SH   SOLE   0 0 6,661
SCHWAB STRATEGIC TR US REIT ETF 808524847   570,061 32,116 SH   SOLE   0 0 32,116
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,867,413 36,986 SH   SOLE   0 0 36,986
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   406,403 6,896 SH   SOLE   0 0 6,896
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   2,925,395 88,918 SH   SOLE   0 0 88,918
SPDR SER TR S&P 600 SMCP VAL 78464A300   4,525,345 62,531 SH   SOLE   0 0 62,531
SPDR SER TR S&P 600 SMCP GRW 78464A201   7,527,695 102,739 SH   SOLE   0 0 102,739
SPDR SER TR NUVEEN BLMBRG SH 78468R739   6,417,778 138,823 SH   SOLE   0 0 138,823
STRATEGY SHS NS 7HANDL IDX 86280R506   3,029,393 158,524 SH   SOLE   0 0 158,524
UNITED PARCEL SERVICE INC CL B 911312106   416,012 2,669 SH   SOLE   0 0 2,669
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   1,910,783 88,380 SH   SOLE   0 0 88,380
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,419,528 6,628 SH   SOLE   0 0 6,628
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   353,816 4,657 SH   SOLE   0 0 4,657
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,318,722 47,102 SH   SOLE   0 0 47,102
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   963,336 9,324 SH   SOLE   0 0 9,324
WALMART INC COM 931142103   556,566 3,480 SH   SOLE   0 0 3,480
WASTE MGMT INC DEL COM 94106L109   526,353 3,453 SH   SOLE   0 0 3,453
WISDOMTREE TR US SMALLCAP DIVD 97717W604   3,177,925 112,692 SH   SOLE   0 0 112,692
WISDOMTREE TR EMER MKT HIGH FD 97717W315   1,332,984 35,565 SH   SOLE   0 0 35,565