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
3M CO COM 88579Y101   223,374 1,521 SH   SOLE 0 0 0 1,521
AMAZON COM INC COM 023135106   585,811 3,079 SH   SOLE 0 0 0 3,079
APPLE INC COM 037833100   1,102,875 4,965 SH   SOLE 0 0 0 4,965
APPLE INC COM 037833100   59,225 1,000 SH Call SOLE 0 0 0 1,000
APPLE INC COM 037833100   53,300 1,000 SH Call SOLE 0 0 0 1,000
APPLE INC COM 037833100   38,625 1,000 SH Call SOLE 0 0 0 1,000
APPLE INC COM 037833100   59,550 1,500 SH Call SOLE 0 0 0 1,500
AUTODESK INC COM 052769106   202,110 772 SH   SOLE 0 0 0 772
AUTOMATIC DATA PROCESSING IN COM 053015103   216,315 708 SH   SOLE 0 0 0 708
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   1,658,369 46,966 SH   SOLE 0 0 0 46,966
BROADCOM INC COM 11135F101   435,151 2,599 SH   SOLE 0 0 0 2,599
CISCO SYS INC COM 17275R102   274,301 4,445 SH   SOLE 0 0 0 4,445
COSTCO WHSL CORP NEW COM 22160K105   447,354 473 SH   SOLE 0 0 0 473
DIGITAL RLTY TR INC COM 253868103   2,025,977 14,139 SH   SOLE 0 0 0 14,139
EXXON MOBIL CORP COM 30231G102   370,705 3,117 SH   SOLE 0 0 0 3,117
FIRST TR EXCHANGE TRADED FD NASD TECH DIV 33738R118   1,318,797 17,916 SH   SOLE 0 0 0 17,916
GE AEROSPACE COM NEW 369604301   224,969 1,124 SH   SOLE 0 0 0 1,124
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   2,522,512 38,024 SH   SOLE 0 0 0 38,024
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   3,579,098 39,103 SH   SOLE 0 0 0 39,103
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   6,432,376 37,132 SH   SOLE 0 0 0 37,132
INVESCO QQQ TR UNIT SER 1 46090E103   1,333,608 2,844 SH   SOLE 0 0 0 2,844
ISHARES TR S&P 500 VAL ETF 464287408   255,568 1,341 SH   SOLE 0 0 0 1,341
ISHARES TR S&P 500 GRWT ETF 464287309   259,089 2,791 SH   SOLE 0 0 0 2,791
ISHARES TR IBOXX HI YD ETF 464288513   4,008,716 50,814 SH   SOLE 0 0 0 50,814
ISHARES TR EAFE VALUE ETF 464288877   1,648,375 27,967 SH   SOLE 0 0 0 27,967
ISHARES TR EAFE GRWTH ETF 464288885   2,253,500 22,535 SH   SOLE 0 0 0 22,535
ISHARES TR FLTG RATE NT ETF 46429B655   2,002,334 39,223 SH   SOLE 0 0 0 39,223
ISHARES TR PFD AND INCM SEC 464288687   3,532,229 114,944 SH   SOLE 0 0 0 114,944
ISHARES TR MSCI INTL QUALTY 46434V456   4,989,351 125,708 SH   SOLE 0 0 0 125,708
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   2,004,745 39,596 SH   SOLE 0 0 0 39,596
JOHNSON & JOHNSON COM 478160104   603,823 3,641 SH   SOLE 0 0 0 3,641
KLA CORP COM NEW 482480100   248,127 365 SH   SOLE 0 0 0 365
MASTERCARD INCORPORATED CL A 57636Q104   426,437 778 SH   SOLE 0 0 0 778
META PLATFORMS INC CL A 30303M102   470,310 816 SH   SOLE 0 0 0 816
MICROSOFT CORP COM 594918104   436,579 1,163 SH   SOLE 0 0 0 1,163
NETFLIX INC COM 64110L106   466,265 500 SH   SOLE 0 0 0 500
PROCTER AND GAMBLE CO COM 742718109   442,581 2,597 SH   SOLE 0 0 0 2,597
PROGRESSIVE CORP COM 743315103   202,352 715 SH   SOLE 0 0 0 715
SCHWAB STRATEGIC TR US REIT ETF 808524847   2,382,276 110,752 SH   SOLE 0 0 0 110,752
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,239,572 44,334 SH   SOLE 0 0 0 44,334
SCHWAB STRATEGIC TR US TIPS ETF 808524870   846,820 31,492 SH   SOLE 0 0 0 31,492
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   1,981,456 64,333 SH   SOLE 0 0 0 64,333
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   8,347,786 202,961 SH   SOLE 0 0 0 202,961
UBER TECHNOLOGIES INC COM 90353T100   202,332 2,777 SH   SOLE 0 0 0 2,777
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   824,844 7,995 SH   SOLE 0 0 0 7,995
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,723,466 47,566 SH   SOLE 0 0 0 47,566
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,264,256 42,631 SH   SOLE 0 0 0 42,631
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,060,736 15,063 SH   SOLE 0 0 0 15,063
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,047,917 22,764 SH   SOLE 0 0 0 22,764
VANGUARD INDEX FDS GROWTH ETF 922908736   2,409,218 6,497 SH   SOLE 0 0 0 6,497
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,143,791 4,543 SH   SOLE 0 0 0 4,543
VANGUARD INDEX FDS VALUE ETF 922908744   1,970,618 11,408 SH   SOLE 0 0 0 11,408
VANGUARD INDEX FDS MID CAP ETF 922908629   8,804,977 34,046 SH   SOLE 0 0 0 34,046
VANGUARD INDEX FDS SM CP VAL ETF 922908611   837,560 4,496 SH   SOLE 0 0 0 4,496
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,009,012 7,801 SH   SOLE 0 0 0 7,801
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,963,236 8,025 SH   SOLE 0 0 0 8,025
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,984,435 12,361 SH   SOLE 0 0 0 12,361
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,018,913 44,607 SH   SOLE 0 0 0 44,607
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   569,609 11,415 SH   SOLE 0 0 0 11,415
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,288,980 67,000 SH   SOLE 0 0 0 67,000
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   3,201,732 42,178 SH   SOLE 0 0 0 42,178
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   10,227,849 125,096 SH   SOLE 0 0 0 125,096
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,994,411 10,281 SH   SOLE 0 0 0 10,281
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,929,036 96,971 SH   SOLE 0 0 0 96,971
VANGUARD WORLD FD MATERIALS ETF 92204A801   4,216,694 22,333 SH   SOLE 0 0 0 22,333
VISA INC COM CL A 92826C839   515,877 1,472 SH   SOLE 0 0 0 1,472