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   949,445 6,737 SH   SOLE   0 0 6,737
ALPHABET INC CAP STK CL A 02079K305   483,886 3,464 SH   SOLE   0 0 3,464
AMGEN INC COM 031162100   232,944 809 SH   SOLE   0 0 809
APPLE INC COM 037833100   7,692,867 39,957 SH   SOLE   0 0 39,957
ARBUTUS BIOPHARMA CORP COM 03879J100   50,000 20,000 SH   SOLE   0 0 20,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   451,532 1,266 SH   SOLE   0 0 1,266
BLACKROCK FLOATING RATE INCO COM 09255X100   865,245 68,345 SH   SOLE   0 0 68,345
BROADCOM INC COM 11135F101   718,455 644 SH   SOLE   0 0 644
CHEVRON CORP NEW COM 166764100   553,312 3,710 SH   SOLE   0 0 3,710
CUMMINS INC COM 231021106   961,460 4,013 SH   SOLE   0 0 4,013
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   383,722 10,310 SH   SOLE   0 0 10,310
FORD MTR CO DEL COM 345370860   249,668 20,481 SH   SOLE   0 0 20,481
GRANITESHARES GOLD TR SHS BEN INT 38748G101   1,569,479 76,973 SH   SOLE   0 0 76,973
HOLOGIC INC COM 436440101   285,157 3,991 SH   SOLE   0 0 3,991
INTERNATIONAL BUSINESS MACHS COM 459200101   882,773 5,398 SH   SOLE   0 0 5,398
INTUITIVE SURGICAL INC COM NEW 46120E602   229,742 681 SH   SOLE   0 0 681
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   983,297 42,604 SH   SOLE   0 0 42,604
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   3,162,059 275,681 SH   SOLE   0 0 275,681
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529   364,021 15,745 SH   SOLE   0 0 15,745
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   344,426 17,704 SH   SOLE   0 0 17,704
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   284,111 13,890 SH   SOLE   0 0 13,890
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   564,957 27,051 SH   SOLE   0 0 27,051
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   279,321 13,773 SH   SOLE   0 0 13,773
INVESCO QQQ TR UNIT SER 1 46090E103   1,084,239 2,648 SH   SOLE   0 0 2,648
ISHARES GOLD TR ISHARES NEW 464285204   5,009,813 128,358 SH   SOLE   0 0 128,358
ISHARES TR ESG AWARE MSCI 46435U663   202,296 5,322 SH   SOLE   0 0 5,322
ISHARES TR FLTG RATE NT ETF 46429B655   1,649,796 32,592 SH   SOLE   0 0 32,592
ISHARES TR CONV BD ETF 46435G102   4,742,036 60,339 SH   SOLE   0 0 60,339
ISHARES TR SELECT DIVID ETF 464287168   735,954 6,278 SH   SOLE   0 0 6,278
ISHARES TR IBONDS DEC2026 46435GAA0   334,688 14,004 SH   SOLE   0 0 14,004
ISHARES TR IBONDS DEC 26 46435U259   310,016 12,152 SH   SOLE   0 0 12,152
ISHARES TR IBONDS DEC 27 46435U283   335,206 13,189 SH   SOLE   0 0 13,189
ISHARES TR IBONDS DEC 25 46435U432   562,331 21,184 SH   SOLE   0 0 21,184
ISHARES TR NATIONAL MUN ETF 464288414   3,149,153 29,049 SH   SOLE   0 0 29,049
ISHARES TR NEW YORK MUN ETF 464288323   861,986 15,936 SH   SOLE   0 0 15,936
ISHARES TR RUS 1000 ETF 464287622   969,006 3,695 SH   SOLE   0 0 3,695
ISHARES TR RUSSELL 2000 ETF 464287655   296,663 1,478 SH   SOLE   0 0 1,478
ISHARES TR SHRT NAT MUN ETF 464288158   943,409 8,948 SH   SOLE   0 0 8,948
ISHARES TR PFD AND INCM SEC 464288687   4,455,267 142,843 SH   SOLE   0 0 142,843
LISTED FD TR OVERLAY 53656F581   244,279 8,451 SH   SOLE   0 0 8,451
MATTHEWS ASIA FDS EMERGING MARKETS 577125792   579,642 20,894 SH   SOLE   0 0 20,894
MCKESSON CORP COM 58155Q103   303,183 655 SH   SOLE   0 0 655
MEDTRONIC PLC SHS G5960L103   688,450 8,357 SH   SOLE   0 0 8,357
MICROSOFT CORP COM 594918104   2,039,609 5,424 SH   SOLE   0 0 5,424
NEXTERA ENERGY INC COM 65339F101   294,994 4,857 SH   SOLE   0 0 4,857
NUVEEN FLOATING RATE INCOME COM 67072T108   1,731,639 210,662 SH   SOLE   0 0 210,662
NVIDIA CORPORATION COM 67066G104   1,075,231 2,171 SH   SOLE   0 0 2,171
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   3,604,119 74,496 SH   SOLE   0 0 74,496
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,700,720 68,605 SH   SOLE   0 0 68,605
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,356,412 63,756 SH   SOLE   0 0 63,756
SCHWAB STRATEGIC TR MUN BD ETF 808524649   361,146 6,865 SH   SOLE   0 0 6,865
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   832,262 17,618 SH   SOLE   0 0 17,618
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,771,153 98,476 SH   SOLE   0 0 98,476
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,279,694 48,899 SH   SOLE   0 0 48,899
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   457,353 8,215 SH   SOLE   0 0 8,215
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   14,639,972 192,302 SH   SOLE   0 0 192,302
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,544,378 18,616 SH   SOLE   0 0 18,616
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   441,172 6,293 SH   SOLE   0 0 6,293
SCHWAB STRATEGIC TR US REIT ETF 808524847   804,220 38,832 SH   SOLE   0 0 38,832
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,939,602 37,157 SH   SOLE   0 0 37,157
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   494,838 7,814 SH   SOLE   0 0 7,814
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   3,011,120 84,701 SH   SOLE   0 0 84,701
SPDR SER TR S&P 600 SMCP GRW 78464A201   8,486,586 101,478 SH   SOLE   0 0 101,478
SPDR SER TR S&P 600 SMCP VAL 78464A300   5,345,192 64,160 SH   SOLE   0 0 64,160
SPDR SER TR BBG CONV SEC ETF 78464A359   899,554 12,468 SH   SOLE   0 0 12,468
SPDR SER TR NUVEEN BLMBRG SH 78468R739   5,074,938 106,192 SH   SOLE   0 0 106,192
SPDR SER TR BLOOMBERG SHT TE 78468R408   354,303 14,093 SH   SOLE   0 0 14,093
STRATEGY SHS NS 7HANDL IDX 86280R506   4,592,052 222,053 SH   SOLE   0 0 222,053
UNITED PARCEL SERVICE INC CL B 911312106   403,803 2,568 SH   SOLE   0 0 2,568
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   1,808,381 81,716 SH   SOLE   0 0 81,716
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,606,425 6,644 SH   SOLE   0 0 6,644
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   368,740 4,537 SH   SOLE   0 0 4,537
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,257,542 48,460 SH   SOLE   0 0 48,460
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870   1,979,370 19,518 SH   SOLE   0 0 19,518
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   971,033 8,699 SH   SOLE   0 0 8,699
VANGUARD WORLD FD ESG US STK ETF 921910733   225,876 2,655 SH   SOLE   0 0 2,655
WALMART INC COM 931142103   507,869 3,221 SH   SOLE   0 0 3,221
WASTE MGMT INC DEL COM 94106L109   591,308 3,302 SH   SOLE   0 0 3,302
WISDOMTREE TR US SMALLCAP DIVD 97717W604   3,715,000 115,480 SH   SOLE   0 0 115,480
WISDOMTREE TR EMER MKT HIGH FD 97717W315   1,512,807 37,188 SH   SOLE   0 0 37,188