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
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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   1,368,068 9,004 SH   SOLE   0 0 9,004
STARBUCKS CORP COM 855244109   499,757 5,205 SH   SOLE   0 0 5,205
JOHNSON & JOHNSON COM 478160104   250,941 1,601 SH   SOLE   0 0 1,601
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,579,090 19,903 SH   SOLE   0 0 19,903
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,314,205 19,765 SH   SOLE   0 0 19,765
MERCK & CO INC COM 58933Y105   289,012 2,651 SH   SOLE   0 0 2,651
ISHARES TR SHRT NAT MUN ETF 464288158   509,199 4,830 SH   SOLE   0 0 4,830
VERIZON COMMUNICATIONS INC COM 92343V104   383,183 10,164 SH   SOLE   0 0 10,164
ISHARES TR ESG AWR MSCI USA 46435G425   233,237 2,223 SH   SOLE   0 0 2,223
XCEL ENERGY INC COM 98389B100   452,253 7,305 SH   SOLE   0 0 7,305
HOME DEPOT INC COM 437076102   951,626 2,746 SH   SOLE   0 0 2,746
PACER FDS TR PACER US SMALL 69374H857   4,114,394 85,663 SH   SOLE   0 0 85,663
BHP GROUP LTD SPONSORED ADS 088606108   351,387 5,144 SH   SOLE   0 0 5,144
ISHARES TR RUS 1000 GRW ETF 464287614   301,351 994 SH   SOLE   0 0 994
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,281,760 25,518 SH   SOLE   0 0 25,518
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   17,928,362 216,109 SH   SOLE   0 0 216,109
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   450,105 1,262 SH   SOLE   0 0 1,262
ALPHABET INC CAP STK CL A 02079K305   2,042,687 14,623 SH   SOLE   0 0 14,623
MICROSOFT CORP COM 594918104   2,987,012 7,943 SH   SOLE   0 0 7,943
SCHLUMBERGER LTD COM STK 806857108   688,073 13,222 SH   SOLE   0 0 13,222
CVS HEALTH CORP COM 126650100   1,200,429 15,203 SH   SOLE   0 0 15,203
JANUS DETROIT STR TR HENDERSON MTG 47103U852   626,254 13,632 SH   SOLE   0 0 13,632
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   465,059 1,855 SH   SOLE   0 0 1,855
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,960,089 102,375 SH   SOLE   0 0 102,375
CGI INC CL A SUB VTG 12532H104   224,283 2,092 SH   SOLE   0 0 2,092
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   367,736 13,665 SH   SOLE   0 0 13,665
ISHARES TR US REGNL BKS ETF 464288778   547,602 13,088 SH   SOLE   0 0 13,088
AIR PRODS & CHEMS INC COM 009158106   891,767 3,257 SH   SOLE   0 0 3,257
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   258,304 4,698 SH   SOLE   0 0 4,698
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   6,530,439 73,616 SH   SOLE   0 0 73,616
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   79,698 14,056 SH   SOLE   0 0 14,056
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,836,132 37,254 SH   SOLE   0 0 37,254
VISA INC COM CL A 92826C839   893,261 3,431 SH   SOLE   0 0 3,431
VANGUARD INDEX FDS VALUE ETF 922908744   12,714,161 85,045 SH   SOLE   0 0 85,045
VANGUARD INDEX FDS GROWTH ETF 922908736   241,059 775 SH   SOLE   0 0 775
META PLATFORMS INC CL A 30303M102   472,537 1,335 SH   SOLE   0 0 1,335
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   17,341,431 204,329 SH   SOLE   0 0 204,329
EXCHANGE TRADED CONCEPTS TR ETC 6 HEDGED EQU 301505665   317,096 9,530 SH   SOLE   0 0 9,530
BROADCOM INC COM 11135F101   2,864,868 2,567 SH   SOLE   0 0 2,567
ISHARES TR CORE MSCI EAFE 46432F842   5,386,292 76,564 SH   SOLE   0 0 76,564
KROGER CO COM 501044101   474,653 10,384 SH   SOLE   0 0 10,384
EOG RES INC COM 26875P101   483,800 4,000 SH   SOLE   0 0 4,000
ABBVIE INC COM 00287Y109   1,776,435 11,463 SH   SOLE   0 0 11,463
PTC INC COM 69370C100   381,063 2,178 SH   SOLE   0 0 2,178
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   913,576 54,186 SH   SOLE   0 0 54,186
QUALCOMM INC COM 747525103   322,236 2,228 SH   SOLE   0 0 2,228
CISCO SYS INC COM 17275R102   677,921 13,419 SH   SOLE   0 0 13,419
CAPITAL ONE FINL CORP COM 14040H105   675,792 5,154 SH   SOLE   0 0 5,154
AT&T INC COM 00206R102   217,583 12,967 SH   SOLE   0 0 12,967
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   251,215 5,630 SH   SOLE   0 0 5,630
ISHARES TR ISHARES BIOTECH 464287556   284,078 2,091 SH   SOLE   0 0 2,091
ISHARES TR U.S. BAS MTL ETF 464287838   389,507 2,819 SH   SOLE   0 0 2,819
LULULEMON ATHLETICA INC COM 550021109   531,742 1,040 SH   SOLE   0 0 1,040
ISHARES TR CORE S&P500 ETF 464287200   12,099,422 25,332 SH   SOLE   0 0 25,332
RIO TINTO PLC SPONSORED ADR 767204100   325,837 4,376 SH   SOLE   0 0 4,376
JPMORGAN CHASE & CO COM 46625H100   1,666,704 9,798 SH   SOLE   0 0 9,798
CHEVRON CORP NEW COM 166764100   931,399 6,244 SH   SOLE   0 0 6,244
ISHARES TR NATIONAL MUN ETF 464288414   1,300,809 11,999 SH   SOLE   0 0 11,999
CONOCOPHILLIPS COM 20825C104   1,268,529 10,929 SH   SOLE   0 0 10,929
WALMART INC COM 931142103   1,190,427 7,551 SH   SOLE   0 0 7,551
TARGET CORP COM 87612E106   278,858 1,958 SH   SOLE   0 0 1,958
PFIZER INC COM 717081103   232,551 8,077 SH   SOLE   0 0 8,077
ALPHABET INC CAP STK CL C 02079K107   296,235 2,102 SH   SOLE   0 0 2,102
VANGUARD WORLD FDS UTILITIES ETF 92204A876   270,302 1,972 SH   SOLE   0 0 1,972
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,384,053 8,122 SH   SOLE   0 0 8,122
ISHARES TR 20 YR TR BD ETF 464287432   631,273 6,384 SH   SOLE   0 0 6,384
ISHARES TR CORE DIV GRWTH 46434V621   2,534,897 47,100 SH   SOLE   0 0 47,100
ISHARES TR BLACKROCK ULTRA 46434V878   322,259 6,399 SH   SOLE   0 0 6,399
CITIGROUP INC COM NEW 172967424   352,827 6,859 SH   SOLE   0 0 6,859
EXXON MOBIL CORP COM 30231G102   345,531 3,456 SH   SOLE   0 0 3,456
UNITEDHEALTH GROUP INC COM 91324P102   965,909 1,835 SH   SOLE   0 0 1,835
LOWES COS INC COM 548661107   247,253 1,111 SH   SOLE   0 0 1,111
DEERE & CO COM 244199105   1,274,386 3,187 SH   SOLE   0 0 3,187
DEVON ENERGY CORP NEW COM 25179M103   200,498 4,426 SH   SOLE   0 0 4,426
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   578,087 11,324 SH   SOLE   0 0 11,324
APPLE INC COM 037833100   3,330,816 17,300 SH   SOLE   0 0 17,300
ABBOTT LABS COM 002824100   269,561 2,449 SH   SOLE   0 0 2,449
DISNEY WALT CO COM 254687106   665,076 7,366 SH   SOLE   0 0 7,366