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
Estimated average burden
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
ABBVIE INC COM 00287Y109   263,576 1,258 SH   SOLE   0 0 1,258
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   2,849,505 22,009 SH   SOLE   0 0 22,009
ALPHABET INC CAP STK CL A 02079K305   230,258 1,489 SH   SOLE   0 0 1,489
ALTIMMUNE INC COM NEW 02155H200   500,120 100,024 SH   SOLE   0 0 100,024
AMAZON COM INC COM 023135106   1,396,508 7,340 SH   SOLE   0 0 7,340
APPLE INC COM 037833100   2,644,602 11,906 SH   SOLE   0 0 11,906
BLACK DIAMOND THERAPEUTICS I COM 09203E105   155,000 100,000 SH   SOLE   0 0 100,000
BROADCOM INC COM 11135F101   234,569 1,401 SH   SOLE   0 0 1,401
CHEVRON CORP NEW COM 166764100   238,912 1,428 SH   SOLE   0 0 1,428
CLEARSIDE BIOMEDICAL INC COM 185063104   91,790 100,000 SH   SOLE   0 0 100,000
COINBASE GLOBAL INC COM CL A 19260Q107   889,740 5,166 SH   SOLE   0 0 5,166
COSTCO WHSL CORP NEW COM 22160K105   250,632 265 SH   SOLE   0 0 265
CVS HEALTH CORP COM 126650100   244,103 3,603 SH   SOLE   0 0 3,603
DTE ENERGY CO COM 233331107   429,009 3,103 SH   SOLE   0 0 3,103
ELI LILLY & CO COM 532457108   1,418,087 1,717 SH   SOLE   0 0 1,717
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740U307   227,205 5,100 SH   SOLE   0 0 5,100
INNOVATOR ETFS TRUST POWER BUFFER SET 45783Y723   5,717,084 182,042 SH   SOLE   0 0 182,042
INNOVATOR ETFS TRUST DEFINED WLT SHLD 45783Y855   4,203,257 133,947 SH   SOLE   0 0 133,947
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540   2,660,651 70,762 SH   SOLE   0 0 70,762
INNOVATOR ETFS TRUST EQUITY DEFINED P 45784N809   1,745,579 69,676 SH   SOLE   0 0 69,676
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C383   1,442,645 36,125 SH   SOLE   0 0 36,125
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656   1,341,700 34,931 SH   SOLE   0 0 34,931
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748   1,215,223 32,835 SH   SOLE   0 0 32,835
INNOVATOR ETFS TRUST EQUITY DEFINED P 45783Y251   1,019,620 38,088 SH   SOLE   0 0 38,088
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C797   443,084 11,405 SH   SOLE   0 0 11,405
INNOVATOR ETFS TRUST US EQUITY ACCELE 45783Y103   370,420 10,656 SH   SOLE   0 0 10,656
INNOVATOR ETFS TRUST EQUITY DEFINED P 45783Y111   286,256 11,593 SH   SOLE   0 0 11,593
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680   267,407 7,078 SH   SOLE   0 0 7,078
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813   258,422 6,430 SH   SOLE   0 0 6,430
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   2,521,107 121,793 SH   SOLE   0 0 121,793
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,106,689 14,811 SH   SOLE   0 0 14,811
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230   412,474 13,602 SH   SOLE   0 0 13,602
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101   1,826,199 39,013 SH   SOLE   0 0 39,013
ISHARES INC CORE MSCI EMKT 46434G103   312,292 5,786 SH   SOLE   0 0 5,786
ISHARES TR CORE S&P500 ETF 464287200   24,865,305 44,252 SH   SOLE   0 0 44,252
ISHARES TR SHRT NAT MUN ETF 464288158   16,781,501 158,916 SH   SOLE   0 0 158,916
ISHARES TR NATIONAL MUN ETF 464288414   14,474,970 137,282 SH   SOLE   0 0 137,282
ISHARES TR MSCI EMG MKT ETF 464287234   7,301,651 167,086 SH   SOLE   0 0 167,086
ISHARES TR CORE MSCI INTL 46435G326   5,746,993 83,423 SH   SOLE   0 0 83,423
ISHARES TR CORE S&P SCP ETF 464287804   4,347,709 41,577 SH   SOLE   0 0 41,577
ISHARES TR MSCI USA MIN VOL 46429B697   3,346,943 35,735 SH   SOLE   0 0 35,735
ISHARES TR 20 YR TR BD ETF 464287432   2,720,642 29,887 SH   SOLE   0 0 29,887
ISHARES TR INTL TREA BD ETF 464288117   2,661,483 67,516 SH   SOLE   0 0 67,516
ISHARES TR CORE MSCI EAFE 46432F842   2,176,149 28,766 SH   SOLE   0 0 28,766
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,710,881 16,535 SH   SOLE   0 0 16,535
ISHARES TR MSCI EAFE MIN VL 46429B689   1,623,229 20,832 SH   SOLE   0 0 20,832
ISHARES TR RUS 2000 GRW ETF 464287648   696,319 2,725 SH   SOLE   0 0 2,725
ISHARES TR RUSSELL 3000 ETF 464287689   655,759 2,064 SH   SOLE   0 0 2,064
ISHARES TR CORE US AGGBD ET 464287226   457,604 4,626 SH   SOLE   0 0 4,626
ISHARES TR RUS 2000 VAL ETF 464287630   417,309 2,764 SH   SOLE   0 0 2,764
ISHARES TR S&P 500 GRWT ETF 464287309   407,895 4,394 SH   SOLE   0 0 4,394
ISHARES TR JPMORGAN USD EMG 464288281   361,691 3,993 SH   SOLE   0 0 3,993
ISHARES TR S&P 500 VAL ETF 464287408   311,789 1,636 SH   SOLE   0 0 1,636
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   201,247 3,522 SH   SOLE   0 0 3,522
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   5,143,925 101,438 SH   SOLE   0 0 101,438
JPMORGAN CHASE & CO. COM 46625H100   578,908 2,360 SH   SOLE   0 0 2,360
META PLATFORMS INC CL A 30303M102   398,841 692 SH   SOLE   0 0 692
MICROSOFT CORP COM 594918104   1,129,924 3,010 SH   SOLE   0 0 3,010
NETFLIX INC COM 64110L106   222,875 239 SH   SOLE   0 0 239
NEW YORK LIFE INVESTMENTS ET NYLI HEDGE MULTI 45409B107   2,549,479 81,427 SH   SOLE   0 0 81,427
NVIDIA CORPORATION COM 67066G104   1,742,741 16,080 SH   SOLE   0 0 16,080
PROCTER AND GAMBLE CO COM 742718109   397,590 2,333 SH   SOLE   0 0 2,333
ROBINHOOD MKTS INC COM CL A 770700102   426,896 10,257 SH   SOLE   0 0 10,257
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   13,050,885 536,191 SH   SOLE   0 0 536,191
SCHWAB STRATEGIC TR US REIT ETF 808524847   7,907,515 367,620 SH   SOLE   0 0 367,620
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   5,640,520 215,287 SH   SOLE   0 0 215,287
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,355,407 185,890 SH   SOLE   0 0 185,890
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,707,901 108,143 SH   SOLE   0 0 108,143
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,486,221 93,537 SH   SOLE   0 0 93,537
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   441,013 15,773 SH   SOLE   0 0 15,773
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   238,103 10,784 SH   SOLE   0 0 10,784
SPDR S&P 500 ETF TR TR UNIT 78462F103   463,862 829 SH   SOLE   0 0 829
SPDR SER TR NUVEEN BLOOMBERG 78464A284   1,089,227 43,189 SH   SOLE   0 0 43,189
SPDR SER TR NUVEEN BLMBRG SH 78468R739   963,234 20,236 SH   SOLE   0 0 20,236
TESLA INC COM 88160R101   310,733 1,199 SH   SOLE   0 0 1,199
TRAVELERS COMPANIES INC COM 89417E109   524,160 1,982 SH   SOLE   0 0 1,982
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   3,376,839 65,980 SH   SOLE   0 0 65,980
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   1,597,940 66,971 SH   SOLE   0 0 66,971
VANGUARD BD INDEX FDS INTERMED TERM 921937819   13,483,884 176,099 SH   SOLE   0 0 176,099
VANGUARD INDEX FDS VALUE ETF 922908744   31,183,803 180,525 SH   SOLE   0 0 180,525
VANGUARD INDEX FDS GROWTH ETF 922908736   24,692,831 66,590 SH   SOLE   0 0 66,590
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,676,311 19,734 SH   SOLE   0 0 19,734
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,291,729 13,074 SH   SOLE   0 0 13,074
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,114,201 4,054 SH   SOLE   0 0 4,054
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   574,089 1,117 SH   SOLE   0 0 1,117
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   517,089 11,425 SH   SOLE   0 0 11,425
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,801,035 36,093 SH   SOLE   0 0 36,093
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,413,536 68,794 SH   SOLE   0 0 68,794
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,700,285 249,858 SH   SOLE   0 0 249,858
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870   265,630 2,643 SH   SOLE   0 0 2,643
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   5,441,102 84,752 SH   SOLE   0 0 84,752
VANGUARD WORLD FD MEGA GRWTH IND 921910816   217,408 704 SH   SOLE   0 0 704
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   209,289 1,624 SH   SOLE   0 0 1,624