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
ABBOTT LABS COM COM 002824100   562,794 5,126 SH   SOLE   5,126 0 0
ABBVIE INC COM COM 00287Y109   496,650 3,073 SH   SOLE   3,073 0 0
ACCENTURE PLC IRELAND SHS CLASS A CL A G1151C101   238,021 892 SH   SOLE   892 0 0
AMAZON COM INC COM COM 023135106   291,060 3,465 SH   SOLE   3,465 0 0
AMERIPRISE FINL INC COM COM 03076C106   366,794 1,178 SH   SOLE   1,178 0 0
APPLE INC COM COM 037833100   2,698,650 20,770 SH   SOLE   20,770 0 0
EATON CORP PLC SHS SHS G29183103   200,896 1,280 SH   SOLE   1,280 0 0
EDISON INTL COM COM 281020107   241,183 3,791 SH   SOLE   3,791 0 0
ELEVANCE HEALTH INC COM COM 036752103   453,465 884 SH   SOLE   884 0 0
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506   9,438,509 107,906 SH   SOLE   107,905 0 0
EXXON MOBIL CORP COM COM 30231G102   273,672 2,481 SH   SOLE   2,481 0 0
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF TCW OPPORTUNIS 33740F805   1,574,242 35,843 SH   SOLE   35,843 0 0
FORD MTR CO DEL COM COM 345370860   157,527 13,545 SH   SOLE   13,544 0 0
INVESCO PREFERRED ETF PFD ETF 46138E511   429,042 38,376 SH   SOLE   38,375 0 0
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF S&P500 EQL TEC 46137V282   639,361 2,631 SH   SOLE   2,631 0 0
INVESCO S&P 500 REVENUE ETF S&P 500 REVENUE 46138G698   205,215 2,775 SH   SOLE   2,775 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 5-10YR INVT 464288638   886,477 17,905 SH   SOLE   17,905 0 0
ISHARES BIOTECHNOLOGY ETF ISHARES BIOTECH 464287556   250,042 1,905 SH   SOLE   1,904 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834   10,756,261 185,837 SH   SOLE   185,837 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507   12,064,320 49,875 SH   SOLE   49,875 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150   406,137 4,789 SH   SOLE   4,789 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226   968,414 9,985 SH   SOLE   9,984 0 0
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ESG AWRE 1 5 YR 46435G243   327,551 13,780 SH   SOLE   13,780 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF MSCI EAFE MIN VL 46429B689   981,392 15,434 SH   SOLE   15,434 0 0
ISHARES MSCI FRANCE ETF MSCI FRANCE ETF 464286707   9,121,844 275,418 SH   SOLE   275,418 0 0
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF MSCI GBL MIN VOL 464286525   537,338 5,655 SH   SOLE   5,655 0 0
ISHARES MSCI JAPAN ETF MSCI JPN ETF NEW 46434G822   9,782,289 179,689 SH   SOLE   179,689 0 0
ISHARES MSCI UNITED KINGDOM ETF MSCI UK ETF NEW 46435G334   393,674 12,840 SH   SOLE   12,839 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697   2,200,237 30,516 SH   SOLE   30,516 0 0
ISHARES RUSSELL MIDCAP ETF RUS MID CAP ETF 464287499   217,793 3,229 SH   SOLE   3,228 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158   3,731,406 35,786 SH   SOLE   35,786 0 0
ISHARES U.S. TECHNOLOGY ETF U.S. TECH ETF 464287721   332,604 4,465 SH   SOLE   4,465 0 0
JABIL INC COM COM 466313103   234,820 3,443 SH   SOLE   3,443 0 0
JOHNSON & JOHNSON COM COM 478160104   226,112 1,280 SH   SOLE   1,280 0 0
JPMORGAN CHASE & CO COM COM 46625H100   354,976 2,647 SH   SOLE   2,647 0 0
LOWES COS INC COM COM 548661107   250,843 1,259 SH   SOLE   1,259 0 0
MCDONALDS CORP COM COM 580135101   476,468 1,808 SH   SOLE   1,808 0 0
MICROSOFT CORP COM COM 594918104   693,361 2,891 SH   SOLE   2,891 0 0
PROCTER AND GAMBLE CO COM COM 742718109   767,821 5,066 SH   SOLE   5,066 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508   1,734,257 26,433 SH   SOLE   26,432 0 0
SCHWAB U.S. SMALL-CAP ETF US SML CAP ETF 808524607   4,978,069 122,885 SH   SOLE   122,884 0 0
SEMPRA COM COM 816851109   233,974 1,514 SH   SOLE   1,514 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF PORTFOLIO EMG MK 78463X509   1,030,741 31,272 SH   SOLE   31,272 0 0
SPDR PORTFOLIO HIGH YIELD BOND ETF PORTFLI HIGH YLD 78468R606   355,139 15,897 SH   SOLE   15,897 0 0
SPDR PORTFOLIO INTERMEDIATE TERM TREASURY ETF PORTFLI INTRMDIT 78464A672   2,143,520 75,904 SH   SOLE   75,903 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF PRTFLO S&P500 GW 78464A409   2,815,787 55,571 SH   SOLE   55,571 0 0
SPDR S&P 500 ETF TRUST TR UNIT 78462F103   412,958 1,080 SH   SOLE   1,079 0 0
TESLA INC COM COM 88160R101   448,868 3,644 SH   SOLE   3,644 0 0
UTILITIES SELECT SECTOR SPDR FUND SBI INT-UTILS 81369Y886   9,875,368 140,076 SH   SOLE   140,076 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF MTG-BKD SECS ETF 92206C771   773,294 16,988 SH   SOLE   16,988 0 0
VANGUARD RUSSELL 1000 ETF VNG RUS1000IDX 92206C730   20,476,834 117,507 SH   SOLE   117,507 0 0
VANGUARD SHORT-TERM BOND ETF SHORT TRM BOND 921937827   3,486,205 46,310 SH   SOLE   46,309 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF SHRT TRM CORP BD 92206C409   37,440,785 497,949 SH   SOLE   497,949 0 0
VANGUARD VALUE ETF VALUE ETF 922908744   23,808,203 169,610 SH   SOLE   169,610 0 0
WEC ENERGY GROUP INC COM COM 92939U106   222,868 2,377 SH   SOLE   2,377 0 0
WP CAREY INC COM COM 92936U109   2,849,766 36,465 SH   SOLE   36,465 0 0