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
ISHARES TR CORE S&P500 ETF 464287200   16,388,208 31,172 SH   SOLE   31,172 0 0
VANECK ETF TRUST MORNINGSTAR SMID 92189H730   510,669 14,971 SH   SOLE   14,971 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   757,049 36,102 SH   SOLE   36,102 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   740,573 36,249 SH   SOLE   36,249 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   2,758,026 6,212 SH   SOLE   6,212 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   1,329,320 25,923 SH   SOLE   25,923 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,633,087 11,519 SH   SOLE   11,519 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,517,322 34,660 SH   SOLE   34,660 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,573,173 26,089 SH   SOLE   26,089 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   239,350 3,431 SH   SOLE   3,431 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   532,377 3,416 SH   SOLE   3,416 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   658,092 16,865 SH   SOLE   16,865 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,046,498 22,750 SH   SOLE   22,750 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   203,584 641 SH   SOLE   641 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405   252,606 2,467 SH   SOLE   2,467 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   570,772 2,189 SH   SOLE   2,189 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   979,809 5,106 SH   SOLE   5,106 0 0
ISHARES TR CORE MSCI EAFE 46432F842   1,586,326 21,373 SH   SOLE   21,373 0 0
ISHARES INC CORE MSCI EMKT 46434G103   584,164 11,321 SH   SOLE   11,321 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,599,793 26,338 SH   SOLE   26,338 0 0
ISHARES TR CORE S&P SCP ETF 464287804   891,597 8,067 SH   SOLE   8,067 0 0
ISHARES TR CORE S&P US GWT 464287671   1,158,461 9,884 SH   SOLE   9,884 0 0
ISHARES TR CORE S&P US VLU 464287663   690,202 7,632 SH   SOLE   7,632 0 0
ISHARES TR MBS ETF 464288588   1,770,193 19,154 SH   SOLE   19,154 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   918,767 5,590 SH   SOLE   5,590 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,440,555 6,850 SH   SOLE   6,850 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,370,184 17,019 SH   SOLE   17,019 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,706,351 14,261 SH   SOLE   14,261 0 0
HONEYWELL INTL INC COM 438516106   240,667 1,173 SH   SOLE   1,173 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,170,544 20,231 SH   SOLE   20,231 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   715,000 22,612 SH   SOLE   22,612 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   224,066 3,820 SH   SOLE   3,820 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   439,799 1,305 SH   SOLE   1,305 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,637,415 32,710 SH   SOLE   32,710 0 0
BLACKROCK SCIENCE & TECHNOLO SHS 09258G104   234,664 6,356 SH   SOLE   6,356 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,558,347 10,626 SH   SOLE   10,626 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   328,032 590 SH   SOLE   590 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   316,146 7,971 SH   SOLE   7,971 0 0
ISHARES TR S&P 500 VAL ETF 464287408   326,731 1,749 SH   SOLE   1,749 0 0
BANK AMERICA CORP 7.25%CNV PFD L 060505682   950,576 796 SH   SOLE   796 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   776,561 4,585 SH   SOLE   4,585 0 0
MICROSOFT CORP COM 594918104   1,839,273 4,372 SH   SOLE   4,372 0 0
PACER FDS TR SWAN SOS FD OF 69374H568   242,955 8,995 SH   SOLE   8,995 0 0
T-MOBILE US INC COM 872590104   608,002 3,725 SH   SOLE   3,725 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,078,109 12,467 SH   SOLE   12,467 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804   606,974 498 SH   SOLE   498 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   634,951 33,053 SH   SOLE   33,053 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   529,054 1,537 SH   SOLE   1,537 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   450,075 2,764 SH   SOLE   2,764 0 0
PACER FDS TR US CASH COWS 100 69374H881   448,831 7,724 SH   SOLE   7,724 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   947,183 6,412 SH   SOLE   6,412 0 0
ISHARES TR IBOXX INV CP ETF 464287242   1,068,398 9,809 SH   SOLE   9,809 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   291,513 1,400 SH   SOLE   1,400 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   265,182 3,459 SH   SOLE   3,459 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   253,088 4,666 SH   SOLE   4,666 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,990,341 9,675 SH   SOLE   9,675 0 0
RTX CORPORATION COM 75513E101   560,572 5,748 SH   SOLE   5,748 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,255,860 28,248 SH   SOLE   28,248 0 0
ISHARES TR PFD AND INCM SEC 464288687   439,552 13,638 SH   SOLE   13,638 0 0
KENVUE INC COM 49177J102   290,660 13,544 SH   SOLE   13,544 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   301,701 7,010 SH   SOLE   7,010 0 0
HOME DEPOT INC COM 437076102   1,017,505 2,653 SH   SOLE   2,653 0 0
UNITEDHEALTH GROUP INC COM 91324P102   282,593 571 SH   SOLE   571 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   315,789 7,560 SH   SOLE   7,560 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,867,270 15,433 SH   SOLE   15,433 0 0
VISA INC COM CL A 92826C839   1,289,040 4,619 SH   SOLE   4,619 0 0
AMAZON COM INC COM 023135106   1,516,094 8,405 SH   SOLE   8,405 0 0
CHEVRON CORP NEW COM 166764100   426,125 2,701 SH   SOLE   2,701 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   476,424 24,698 SH   SOLE   24,698 0 0
PROLOGIS INC. COM 74340W103   477,433 3,666 SH   SOLE   3,666 0 0
STRYKER CORPORATION COM 863667101   593,998 1,660 SH   SOLE   1,660 0 0
WALMART INC COM 931142103   935,017 15,540 SH   SOLE   15,540 0 0
AMGEN INC COM 031162100   271,014 953 SH   SOLE   953 0 0
JPMORGAN CHASE & CO COM 46625H100   668,111 3,336 SH   SOLE   3,336 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   505,244 14,097 SH   SOLE   14,097 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,302,421 5,213 SH   SOLE   5,213 0 0
APPLE INC COM 037833100   1,691,420 9,864 SH   SOLE   9,864 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,539,103 3,660 SH   SOLE   3,660 0 0
NVIDIA CORPORATION COM 67066G104   1,086,130 1,202 SH   SOLE   1,202 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   239,599 4,958 SH   SOLE   4,958 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   201,952 4,101 SH   SOLE   4,101 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   535,288 6,924 SH   SOLE   6,924 0 0
ISHARES TR CORE S&P TTL STK 464287150   1,357,750 11,776 SH   SOLE   11,776 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   309,509 3,338 SH   SOLE   3,338 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   604,029 9,817 SH   SOLE   9,817 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   201,853 4,958 SH   SOLE   4,958 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   156,403 13,165 SH   SOLE   13,165 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   450,273 8,517 SH   SOLE   8,517 0 0
ALPHABET INC CAP STK CL A 02079K305   492,032 3,260 SH   SOLE   3,260 0 0
SCHWAB CHARLES CORP COM 808513105   369,120 5,103 SH   SOLE   5,103 0 0
ISHARES TR US AER DEF ETF 464288760   320,490 2,429 SH   SOLE   2,429 0 0
ALPHABET INC CAP STK CL C 02079K107   235,089 1,544 SH   SOLE   1,544 0 0
EXXON MOBIL CORP COM 30231G102   408,300 3,513 SH   SOLE   3,513 0 0
BLACKSTONE INC COM 09260D107   635,845 4,840 SH   SOLE   4,840 0 0
COCA COLA CO COM 191216100   207,330 3,389 SH   SOLE   3,389 0 0
ORACLE CORP COM 68389X105   270,138 2,151 SH   SOLE   2,151 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   352,816 8,376 SH   SOLE   8,376 0 0
GLOBAL X FDS CYBRSCURTY ETF 37954Y384   205,631 6,912 SH   SOLE   6,912 0 0
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   277,948 4,400 SH   SOLE   4,400 0 0
ISHARES TR US TREAS BD ETF 46429B267   568,134 24,951 SH   SOLE   24,951 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   322,945 9,879 SH   SOLE   9,879 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   252,880 3,457 SH   SOLE   3,457 0 0
LOCKHEED MARTIN CORP COM 539830109   276,775 608 SH   SOLE   608 0 0
META PLATFORMS INC CL A 30303M102   553,705 1,140 SH   SOLE   1,140 0 0
SOFI TECHNOLOGIES INC COM 83406F102   174,470 23,900 SH   SOLE   23,900 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   291,683 5,814 SH   SOLE   5,814 0 0
ISHARES TR TIPS BD ETF 464287176   429,872 4,002 SH   SOLE   4,002 0 0
ELI LILLY & CO COM 532457108   284,916 366 SH   SOLE   366 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   537,913 5,698 SH   SOLE   5,698 0 0
ISHARES TR 20 YR TR BD ETF 464287432   334,576 3,536 SH   SOLE   3,536 0 0
ISHARES TR CORE TOTAL USD 46434V613   620,480 13,610 SH   SOLE   13,610 0 0
CATERPILLAR INC COM 149123101   240,564 657 SH   SOLE   657 0 0
TJX COS INC NEW COM 872540109   239,700 2,363 SH   SOLE   2,363 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,002,608 1,369 SH   SOLE   1,369 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   691,870 7,537 SH   SOLE   7,537 0 0
UNITED PARCEL SERVICE INC CL B 911312106   265,636 1,787 SH   SOLE   1,787 0 0
WASTE MGMT INC DEL COM 94106L109   306,203 1,437 SH   SOLE   1,437 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   407,660 3,625 SH   SOLE   3,625 0 0
BROADCOM INC COM 11135F101   592,472 447 SH   SOLE   447 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460   197,314 12,039 SH   SOLE   12,039 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   294,858 18,291 SH   SOLE   18,291 0 0
INVESCO EXCHNG TRAD SLF INDE BULLETSHS 2032 46139W858   203,097 10,029 SH   SOLE   10,029 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   218,731 2,089 SH   SOLE   2,089 0 0
ISHARES SILVER TR ISHARES 46428Q109   216,125 9,500 SH   SOLE   9,500 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429   192,951 10,907 SH   SOLE   10,907 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   399,928 19,927 SH   SOLE   19,927 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   501,036 10,001 SH   SOLE   10,001 0 0
BOEING CO COM 097023105   204,569 1,060 SH   SOLE   1,060 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   235,671 2,886 SH   SOLE   2,886 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   234,412 1,861 SH   SOLE   1,861 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   474,636 16,843 SH   SOLE   16,843 0 0
KROGER CO COM 501044101   258,688 4,528 SH   SOLE   4,528 0 0