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
ALPHABET INC CAP STK CL C 02079K107   296,951 1,674 SH   SOLE   0 0 1,674
AMAZON COM INC COM 023135106   405,433 1,848 SH   SOLE   0 0 1,848
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   14,594,108 234,500 SH   SOLE   0 0 234,500
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   8,333,625 122,176 SH   SOLE   0 0 122,176
AMERICAN CENTY ETF TR US SML CP VALU 025072877   2,993,273 32,857 SH   SOLE   0 0 32,857
APPLE INC COM 037833100   680,959 3,319 SH   SOLE   0 0 3,319
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   238,513 491 SH   SOLE   0 0 491
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   686,904 12,613 SH   SOLE   0 0 12,613
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   4,437,873 83,987 SH   SOLE   0 0 83,987
BLACKROCK ETF TRUST II ISHARES HIGH YIE 092528843   385,198 7,921 SH   SOLE   0 0 7,921
BROADCOM INC COM 11135F101   300,734 1,091 SH   SOLE   0 0 1,091
CME GROUP INC COM 12572Q105   2,606,263 9,456 SH   SOLE   0 0 9,456
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   285,362 39,306 SH   SOLE   0 0 39,306
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   286,046 7,238 SH   SOLE   0 0 7,238
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417   519,141 13,658 SH   SOLE   0 0 13,658
INTERNATIONAL BUSINESS MACHS COM 459200101   227,865 773 SH   SOLE   0 0 773
INVESCO EXCH TRADED FD TR II S&P SMLCAP QTY 46138G300   3,091,692 75,907 SH   SOLE   0 0 75,907
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   228,224 11,036 SH   SOLE   0 0 11,036
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   205,760 10,541 SH   SOLE   0 0 10,541
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   199,624 10,159 SH   SOLE   0 0 10,159
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   204,798 9,995 SH   SOLE   0 0 9,995
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   201,228 8,200 SH   SOLE   0 0 8,200
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   200,260 8,500 SH   SOLE   0 0 8,500
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   216,381 9,528 SH   SOLE   0 0 9,528
ISHARES INC CORE MSCI EMKT 46434G103   4,343,270 72,352 SH   SOLE   0 0 72,352
ISHARES INC MSCI EMRG CHN 46434G764   4,448,792 70,459 SH   SOLE   0 0 70,459
ISHARES TR CORE HIGH DV ETF 46429B663   5,355,138 45,704 SH   SOLE   0 0 45,704
ISHARES TR CORE MSCI EAFE 46432F842   11,085,727 132,795 SH   SOLE   0 0 132,795
ISHARES TR CORE S&P US GWT 464287671   6,168,957 41,017 SH   SOLE   0 0 41,017
ISHARES TR CORE S&P US VLU 464287663   7,170,494 75,774 SH   SOLE   0 0 75,774
ISHARES TR MSCI USA QLT FCT 46432F339   12,376,366 67,697 SH   SOLE   0 0 67,697
ISHARES TR CORE S&P500 ETF 464287200   17,962,033 28,929 SH   SOLE   0 0 28,929
ISHARES TR 1 3 YR TREAS BD 464287457   1,050,333 12,676 SH   SOLE   0 0 12,676
ISHARES TR SHORT TREAS BD 464288679   2,120,285 19,202 SH   SOLE   0 0 19,202
ISHARES TR 3 7 YR TREAS BD 464288661   6,310,341 52,988 SH   SOLE   0 0 52,988
ISHARES TR IBONDS DEC25 ETF 46434VBD1   1,789,341 71,062 SH   SOLE   0 0 71,062
ISHARES TR IBONDS DEC2026 46435GAA0   2,485,164 102,481 SH   SOLE   0 0 102,481
ISHARES TR IBONDS 27 ETF 46435UAA9   2,342,904 96,535 SH   SOLE   0 0 96,535
ISHARES TR IBONDS 25 TRM TS 46436E866   813,395 34,820 SH   SOLE   0 0 34,820
ISHARES TR IBONDS DEC 25 46435U432   934,367 34,912 SH   SOLE   0 0 34,912
ISHARES TR IBONDS DEC 26 46435U259   1,024,331 39,977 SH   SOLE   0 0 39,977
ISHARES TR IBONDS DEC 27 46435U283   729,497 28,777 SH   SOLE   0 0 28,777
ISHARES TR IBONDS 26 TRM TS 46436E858   1,242,233 54,175 SH   SOLE   0 0 54,175
ISHARES TR IBONDS 27 TRM TS 46436E841   1,337,278 59,461 SH   SOLE   0 0 59,461
ISHARES TR IBDS DEC28 ETF 46435U515   1,614,043 63,495 SH   SOLE   0 0 63,495
ISHARES TR IBONDS 28 TRM TS 46436E833   1,387,192 62,039 SH   SOLE   0 0 62,039
ISHARES TR IBONDS DEC 29 46436E205   802,832 34,412 SH   SOLE   0 0 34,412
ISHARES TR IBONDS 29 TRM TS 46436E825   658,038 30,020 SH   SOLE   0 0 30,020
ISHARES TR CORE S&P MCP ETF 464287507   279,090 4,500 SH   SOLE   0 0 4,500
ISHARES TR CORE S&P SCP ETF 464287804   343,717 3,145 SH   SOLE   0 0 3,145
ISHARES TR EAFE VALUE ETF 464288877   373,135 5,878 SH   SOLE   0 0 5,878
ISHARES TR MSCI USA VALUE 46432F388   357,064 3,154 SH   SOLE   0 0 3,154
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   5,466,478 63,512 SH   SOLE   0 0 63,512
J P MORGAN EXCHANGE TRADED F U S TECH LEADERS 46654Q732   8,217,367 97,293 SH   SOLE   0 0 97,293
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   10,431,428 142,209 SH   SOLE   0 0 142,209
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   333,220 5,451 SH   SOLE   0 0 5,451
META PLATFORMS INC CL A 30303M102   350,593 475 SH   SOLE   0 0 475
MICROSOFT CORP COM 594918104   942,095 1,894 SH   SOLE   0 0 1,894
NVIDIA CORPORATION COM 67066G104   823,128 5,210 SH   SOLE   0 0 5,210
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,151,549 21,401 SH   SOLE   0 0 21,401
PIMCO ETF TR MULTISECTOR BD 72201R585   1,624,221 61,199 SH   SOLE   0 0 61,199
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300   6,397,093 159,013 SH   SOLE   0 0 159,013
TESLA INC COM 88160R101   213,150 671 SH   SOLE   0 0 671