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
ABBVIE INC COM 00287Y109   389,707 1,860 SH   SOLE   0 0 1,860
ALPHABET INC CAP STK CL A 02079K305   672,699 4,350 SH   SOLE   0 0 4,350
AMAZON COM INC COM 023135106   514,083 2,702 SH   SOLE   0 0 2,702
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   270,165 4,143 SH   SOLE   0 0 4,143
AMGEN INC COM 031162100   357,036 1,146 SH   SOLE   0 0 1,146
APPLE INC COM 037833100   217,910 981 SH   SOLE   0 0 981
ASTRAZENECA PLC SPONSORED ADR 046353108   209,181 2,846 SH   SOLE   0 0 2,846
BANK AMERICA CORP COM 060505104   274,208 6,571 SH   SOLE   0 0 6,571
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   648,682 1,218 SH   SOLE   0 0 1,218
BLACKROCK INC COM 09290D101   227,155 240 SH   SOLE   0 0 240
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   238,218 6,684 SH   SOLE   0 0 6,684
CAPITOL SER TR HULL TACTICAL 14064D519   1,005,104 27,590 SH   SOLE   0 0 27,590
CARNIVAL CORP UNIT 99/99/9999 143658300   296,153 15,164 SH   SOLE   0 0 15,164
CATERPILLAR INC COM 149123101   590,306 1,790 SH   SOLE   0 0 1,790
CHEVRON CORP NEW COM 166764100   2,679,744 16,019 SH   SOLE   0 0 16,019
CISCO SYS INC COM 17275R102   397,844 6,447 SH   SOLE   0 0 6,447
CITIGROUP INC COM NEW 172967424   729,067 10,270 SH   SOLE   0 0 10,270
COCA COLA CO COM 191216100   430,341 6,009 SH   SOLE   0 0 6,009
DBX ETF TR XTRACK MSCI EURP 233051853   723,915 16,393 SH   SOLE   0 0 16,393
DBX ETF TR XTRACK USD HIGH 233051432   498,689 13,795 SH   SOLE   0 0 13,795
ETFIS SER TR I VIRTUS NEWFLEET 26923G707   2,955,135 130,932 SH   SOLE   0 0 130,932
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33740F755   504,225 16,983 SH   SOLE   0 0 16,983
GALLAGHER ARTHUR J & CO COM 363576109   395,990 1,147 SH   SOLE   0 0 1,147
HERSHEY CO COM 427866108   352,322 2,060 SH   SOLE   0 0 2,060
HOME DEPOT INC COM 437076102   764,498 2,086 SH   SOLE   0 0 2,086
HONEYWELL INTL INC COM 438516106   257,488 1,216 SH   SOLE   0 0 1,216
INNOVIZ TECHNOLOGIES LTD SHS M5R635108   7,171 11,000 SH   SOLE   0 0 11,000
INTUIT COM 461202103   214,683 350 SH   SOLE   0 0 350
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   395,269 5,290 SH   SOLE   0 0 5,290
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   486,083 2,806 SH   SOLE   0 0 2,806
ISHARES TR MBS ETF 464288588   669,120 7,135 SH   SOLE   0 0 7,135
ISHARES TR CORE S&P500 ETF 464287200   640,548 1,140 SH   SOLE   0 0 1,140
ISHARES TR CORE US AGGBD ET 464287226   501,129 5,066 SH   SOLE   0 0 5,066
ISHARES TR RUSSELL 2000 ETF 464287655   254,749 1,277 SH   SOLE   0 0 1,277
ISHARES TR CORE S&P MCP ETF 464287507   244,267 4,186 SH   SOLE   0 0 4,186
ISHARES TR 3 7 YR TREAS BD 464288661   477,265 4,040 SH   SOLE   0 0 4,040
ISHARES TR CORE MSCI EAFE 46432F842   286,544 3,788 SH   SOLE   0 0 3,788
ISHARES TR 7-10 YR TRSY BD 464287440   351,152 3,682 SH   SOLE   0 0 3,682
ISHARES TR 20 YR TR BD ETF 464287432   308,865 3,393 SH   SOLE   0 0 3,393
ISHARES TR 1 3 YR TREAS BD 464287457   200,786 2,427 SH   SOLE   0 0 2,427
ISHARES TR CORE MSCI INTL 46435G326   203,157 2,949 SH   SOLE   0 0 2,949
ISHARES TR CORE S&P US VLU 464287663   240,814 2,609 SH   SOLE   0 0 2,609
ISHARES TR MORNINGSTR US EQ 464287127   208,084 2,693 SH   SOLE   0 0 2,693
ISHARES TR MSCI USA MIN VOL 46429B697   254,755 2,720 SH   SOLE   0 0 2,720
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   501,082 8,769 SH   SOLE   0 0 8,769
JAZZ PHARMACEUTICALS PLC SHS USD G50871105   387,969 3,125 SH   SOLE   0 0 3,125
JPMORGAN CHASE & CO. COM 46625H100   377,517 1,539 SH   SOLE   0 0 1,539
LINCOLN NATL CORP IND COM 534187109   399,678 11,130 SH   SOLE   0 0 11,130
MASTERCARD INCORPORATED CL A 57636Q104   502,078 916 SH   SOLE   0 0 916
MCDONALDS CORP COM 580135101   331,229 1,060 SH   SOLE   0 0 1,060
META PLATFORMS INC CL A 30303M102   512,960 890 SH   SOLE   0 0 890
MICROSOFT CORP COM 594918104   1,091,443 2,907 SH   SOLE   0 0 2,907
NEXTERA ENERGY INC COM 65339F101   289,107 4,078 SH   SOLE   0 0 4,078
NVIDIA CORPORATION COM 67066G104   1,120,653 10,340 SH   SOLE   0 0 10,340
PROGRESSIVE CORP COM 743315103   215,937 763 SH   SOLE   0 0 763
PROSHARES TR INVT INT RT HG 74347B607   243,588 3,168 SH   SOLE   0 0 3,168
RINGCENTRAL INC CL A 76680R206   271,295 10,957 SH   SOLE   0 0 10,957
ROYAL CARIBBEAN GROUP COM V7780T103   308,982 1,504 SH   SOLE   0 0 1,504
RTX CORPORATION COM 75513E101   224,513 1,695 SH   SOLE   0 0 1,695
S&P GLOBAL INC COM 78409V104   399,905 787 SH   SOLE   0 0 787
SANOFI SPONSORED ADR 80105N105   282,291 5,090 SH   SOLE   0 0 5,090
SCHWAB CHARLES CORP COM 808513105   429,835 5,491 SH   SOLE   0 0 5,491
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   813,629 32,493 SH   SOLE   0 0 32,493
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   272,099 10,237 SH   SOLE   0 0 10,237
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   410,002 14,664 SH   SOLE   0 0 14,664
SELECT SECTOR SPDR TR ENERGY 81369Y506   219,514 2,349 SH   SOLE   0 0 2,349
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   618,408 2,995 SH   SOLE   0 0 2,995
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   228,678 4,591 SH   SOLE   0 0 4,591
SERVICENOW INC COM 81762P102   833,559 1,047 SH   SOLE   0 0 1,047
SNAP ON INC COM 833034101   706,710 2,097 SH   SOLE   0 0 2,097
SNOWFLAKE INC CL A 833445109   234,733 1,606 SH   SOLE   0 0 1,606
SOUTHWEST AIRLS CO COM 844741108   263,939 7,860 SH   SOLE   0 0 7,860
SPDR GOLD TR GOLD SHS 78463V107   713,723 2,477 SH   SOLE   0 0 2,477
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   968,549 24,601 SH   SOLE   0 0 24,601
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   1,210,617 33,250 SH   SOLE   0 0 33,250
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,194,273 3,923 SH   SOLE   0 0 3,923
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   3,395,600 6,365 SH   SOLE   0 0 6,365
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,547,912 31,702 SH   SOLE   0 0 31,702
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,875,603 20,447 SH   SOLE   0 0 20,447
SPDR SER TR S&P DIVID ETF 78464A763   839,859 6,190 SH   SOLE   0 0 6,190
SPDR SER TR PORTFOLIO AGRGTE 78464A649   734,556 28,761 SH   SOLE   0 0 28,761
SPDR SER TR PORTFOLIO SHORT 78464A474   875,385 29,083 SH   SOLE   0 0 29,083
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,518,549 29,735 SH   SOLE   0 0 29,735
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   348,629 8,653 SH   SOLE   0 0 8,653
STARBUCKS CORP COM 855244109   571,669 5,828 SH   SOLE   0 0 5,828
STRATEGY SHS NS 7HANDL IDX 86280R506   345,391 16,377 SH   SOLE   0 0 16,377
SYNOPSYS INC COM 871607107   242,729 566 SH   SOLE   0 0 566
T-MOBILE US INC COM 872590104   313,384 1,175 SH   SOLE   0 0 1,175
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   519,855 3,132 SH   SOLE   0 0 3,132
THERMO FISHER SCIENTIFIC INC COM 883556102   911,106 1,831 SH   SOLE   0 0 1,831
TJX COS INC NEW COM 872540109   669,047 5,493 SH   SOLE   0 0 5,493
TRANSUNION COM 89400J107   219,343 2,643 SH   SOLE   0 0 2,643
TRUIST FINL CORP COM 89832Q109   1,111,256 27,005 SH   SOLE   0 0 27,005
UBER TECHNOLOGIES INC COM 90353T100   622,807 8,548 SH   SOLE   0 0 8,548
UNION PAC CORP COM 907818108   596,506 2,525 SH   SOLE   0 0 2,525
UNITEDHEALTH GROUP INC COM 91324P102   636,491 1,215 SH   SOLE   0 0 1,215
UPWORK INC COM 91688F104   885,690 67,869 SH   SOLE   0 0 67,869
US BANCORP DEL COM NEW 902973304   360,812 8,546 SH   SOLE   0 0 8,546
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   344,386 11,933 SH   SOLE   0 0 11,933
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   300,536 1,421 SH   SOLE   0 0 1,421
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   638,361 8,691 SH   SOLE   0 0 8,691
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   654,343 9,292 SH   SOLE   0 0 9,292
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,464,462 18,708 SH   SOLE   0 0 18,708
VANGUARD BD INDEX FDS INTERMED TERM 921937819   681,856 8,905 SH   SOLE   0 0 8,905
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,850,293 37,900 SH   SOLE   0 0 37,900
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   405,122 4,475 SH   SOLE   0 0 4,475
VANGUARD INDEX FDS MID CAP ETF 922908629   2,117,488 8,188 SH   SOLE   0 0 8,188
VANGUARD INDEX FDS GROWTH ETF 922908736   370,243 998 SH   SOLE   0 0 998
VANGUARD INDEX FDS LARGE CAP ETF 922908637   237,383 924 SH   SOLE   0 0 924
VANGUARD INDEX FDS SMALL CP ETF 922908751   652,995 2,945 SH   SOLE   0 0 2,945
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,714,373 9,174 SH   SOLE   0 0 9,174
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   501,277 2,910 SH   SOLE   0 0 2,910
VANGUARD INDEX FDS TOTAL STK MKT 922908769   890,669 3,241 SH   SOLE   0 0 3,241
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   807,534 17,842 SH   SOLE   0 0 17,842
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   236,612 2,997 SH   SOLE   0 0 2,997
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   480,316 8,184 SH   SOLE   0 0 8,184
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   794,911 17,165 SH   SOLE   0 0 17,165
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   385,217 1,986 SH   SOLE   0 0 1,986
VANGUARD STAR FDS VG TL INTL STK F 921909768   359,000 5,781 SH   SOLE   0 0 5,781
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,054,699 40,423 SH   SOLE   0 0 40,423
VERISK ANALYTICS INC COM 92345Y106   488,990 1,643 SH   SOLE   0 0 1,643
VERIZON COMMUNICATIONS INC COM 92343V104   510,935 11,264 SH   SOLE   0 0 11,264
VERTEX PHARMACEUTICALS INC COM 92532F100   468,821 967 SH   SOLE   0 0 967
VISA INC COM CL A 92826C839   1,472,493 4,202 SH   SOLE   0 0 4,202
VISTRA CORP COM 92840M102   274,457 2,337 SH   SOLE   0 0 2,337
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   154,474 16,486 SH   SOLE   0 0 16,486
WALMART INC COM 931142103   1,036,916 11,811 SH   SOLE   0 0 11,811
WEC ENERGY GROUP INC COM 92939U106   336,128 3,084 SH   SOLE   0 0 3,084
WEST PHARMACEUTICAL SVSC INC COM 955306105   239,775 1,071 SH   SOLE   0 0 1,071
WISDOMTREE TR US QTLY DIV GRT 97717X669   283,583 3,551 SH   SOLE   0 0 3,551