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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 504,621 3,263 SH   SOLE   1,005 0 2,258
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,719,197 154,017 SH   SOLE   147,440 0 6,577
APPLE INC COM 037833100 BBG001S5N8V8 2,652,605 99,173 SH   SOLE   90,908 0 8,264
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 574,565 1,881 SH   SOLE   1,880 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 710,443 107,796 SH   SOLE   98,010 0 9,786
BRIXMOR PPTY GROUP INC COM 11120U105 BBG001V0T8T2 251,030 9,455 SH   SOLE   3,588 0 5,867
BROADCOM INC COM 11135F101 BBG00KHY5SY8 1,363,717 8,145 SH   SOLE   4,482 0 3,663
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 424,655 449 SH   SOLE   148 0 301
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 562,511 5,615 SH   SOLE   424 0 5,191
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479 BBG00GW2L2G9 267,516 5,846 SH   SOLE   0 0 5,846
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 1,327,242 2,430 SH   SOLE   509 0 1,920
HOME DEPOT INC COM 437076102 BBG001S5RTW7 740,904 2,022 SH   SOLE   840 0 1,181
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 465,059 939 SH   SOLE   322 0 617
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,223,994 2,610 SH   SOLE   573 0 2,036
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 7,237,360 143,941 SH   SOLE   18,721 0 125,220
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 410,259 7,031 SH   SOLE   419 0 6,612
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 25,818,386 45,948 SH   SOLE   7,834 0 38,114
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 348,693 4,420 SH   SOLE   713 0 3,706
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 288,789 2,657 SH   SOLE   0 0 2,657
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 764,264 14,594 SH   SOLE   191 0 14,402
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 1,120,526 6,557 SH   SOLE   0 0 6,557
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 31,428,854 87,039 SH   SOLE   11,773 0 75,265
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 4,116,589 35,038 SH   SOLE   1,222 0 33,815
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 361,675 1,813 SH   SOLE   203 0 1,610
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 22,903,292 246,723 SH   SOLE   21,420 0 225,302
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 17,217,569 90,343 SH   SOLE   15,541 0 74,802
ISHARES TR USD INV GRDE ETF 464288620 BBG001SSD876 13,473,832 263,779 SH   SOLE   34,590 0 229,189
J P MORGAN EXCHANGE TRADED F JPMORGAM LTD DUR 46654Q773 BBG01H5050G2 1,354,808 26,054 SH   SOLE   0 0 26,054
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 12,252,798 242,007 SH   SOLE   33,284 0 208,722
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 506,598 924 SH   SOLE   390 0 534
MERCK & CO INC COM 58933Y105 BBG001S5TC52 319,950 3,565 SH   SOLE   1,431 0 2,133
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 485,871 843 SH   SOLE   248 0 595
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,614,182 4,300 SH   SOLE   1,309 0 2,991
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,473,214 13,593 SH   SOLE   3,787 0 9,806
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 476,438 5,645 SH   SOLE   1,580 0 4,065
PGIM ETF TR AAA CLO ETF 69344A834 BBG01HHR9TZ2 336,029 6,549 SH   SOLE   3,849 0 2,700
SALESFORCE INC COM 79466L302 BBG001SDLP09 555,872 2,071 SH   SOLE   580 0 1,491
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 1,115,858 7,642 SH   SOLE   1,676 0 5,966
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 19,175,247 34,279 SH   SOLE   1,783 0 32,495
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 12,356,192 134,702 SH   SOLE   19,213 0 115,488
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 3,676,211 110,596 SH   SOLE   21,960 0 88,636
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 4,651,684 154,541 SH   SOLE   21,495 0 133,046
TESLA INC COM 88160R101 BBG001SQKGD7 476,595 1,839 SH   SOLE   520 0 1,319
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 284,078 3,629 SH   SOLE   0 0 3,629
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,520,449 4,100 SH   SOLE   268 0 3,832
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 6,183,879 12,033 SH   SOLE   26 0 12,007
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 635,123 3,274 SH   SOLE   326 0 2,948
VERISK ANALYTICS INC COM 92345Y106 BBG001SBRX64 544,554 1,830 SH   SOLE   617 0 1,212
VISA INC COM CL A 92826C839 BBG001SRCFY3 1,155,852 3,298 SH   SOLE   1,053 0 2,245