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
APPLE INC COM 037833100   1,041,407 3,599 SH   SOLE   0 0 3,599
ABBVIE INC COM 00287Y109   248,030 986 SH   SOLE   0 0 986
AMBARELLA INC SHS G037AX101   280,995 3,275 SH   SOLE   0 0 3,275
AMAZON COM INC COM 023135106   1,356,393 5,691 SH   SOLE   0 0 5,691
ARM HOLDINGS PLC SPONSORED ADS 042068205   248,199 700 SH   SOLE   0 0 700
ASML HLDG NV N Y REGISTRY SHS N07059210   218,838 110 SH   SOLE   0 0 110
BROADCOM INC COM 11135F101   948,153 2,510 SH   SOLE   0 0 2,510
BOEING CO COM 097023105   259,764 1,200 SH   SOLE   0 0 1,200
EA SERIES TRUST ALPHA ARCH 1-3 02072L565   222,471 1,900 SH   SOLE   0 0 1,900
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,098,856 2,196 SH   SOLE   0 0 2,196
CNH INDL N V SHS N20944109   159,466 14,200 SH   SOLE   0 0 14,200
CRISPR THERAPEUTICS AG NAMEN AKT H17182108   800,375 14,675 SH   SOLE   0 0 14,675
CISCO SYS INC COM 17275R102   925,702 7,881 SH   SOLE   0 0 7,881
WISDOMTREE TR EMG MKTS SMCAP 97717W281   285,824 4,417 SH   SOLE   0 0 4,417
DIGITAL RLTY TR INC COM 253868103   305,286 1,700 SH   SOLE   0 0 1,700
DOLLAR TREE INC COM 256746108   598,703 4,950 SH   SOLE   0 0 4,950
DATAVAULT AI INC COM SHS 86633R609   11,729 33,510 SH   SOLE   0 0 33,510
ISHARES TR MSCI EMG MKT ETF 464287234   335,209 4,900 SH   SOLE   0 0 4,900
EMERSON ELEC CO COM 291011104   255,553 1,785 SH   SOLE   0 0 1,785
SPDR INDEX SHS FDS ST MARKE CAP ETF 78463X756   1,002,674 13,494 SH   SOLE   0 0 13,494
FRANKLIN ETHEREUM TR ETHEREUM ETF 35351J109   125,190 10,463 SH   SOLE   0 0 10,463
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   1,463,110 21,058 SH   SOLE   0 0 21,058
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   1,987,074 19,322 SH   SOLE   0 0 19,322
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   543,579 18,389 SH   SOLE   0 0 18,389
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   1,991,119 25,775 SH   SOLE   0 0 25,775
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   1,639,481 16,459 SH   SOLE   0 0 16,459
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827   381,547 7,413 SH   SOLE   0 0 7,413
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   493,298 8,431 SH   SOLE   0 0 8,431
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   2,366,929 30,916 SH   SOLE   0 0 30,916
FIDELITY NATL FINL INC COM SHS 31620R303   326,677 6,927 SH   SOLE   0 0 6,927
FS KKR CAP CORP COM 302635206   271,950 25,900 SH   SOLE   0 0 25,900
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   1,116,002 21,241 SH   SOLE   0 0 21,241
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   5,266,952 18,443 SH   SOLE   0 0 18,443
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   524,962 8,986 SH   SOLE   0 0 8,986
ALPHABET INC CAP STK CL A 02079K305   2,490,512 6,969 SH   SOLE   0 0 6,969
GOLDMAN SACHS GROUP INC COM 38141G104   835,392 826 SH   SOLE   0 0 826
ISHARES TR CORE MSCI EURO 46434V738   1,924,728 25,605 SH   SOLE   0 0 25,605
ISHARES TR EUROPE ETF 464287861   510,679 7,010 SH   SOLE   0 0 7,010
ISHARES TR SP SMCP600VL ETF 464287879   210,214 1,538 SH   SOLE   0 0 1,538
ISHARES TR S&P SML 600 GWT 464287887   507,045 2,839 SH   SOLE   0 0 2,839
ISHARES TR CORE MSCI PAC 46434V696   1,548,723 18,903 SH   SOLE   0 0 18,903
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   280,018 1,914 SH   SOLE   0 0 1,914
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   219,699 1,926 SH   SOLE   0 0 1,926
ISHARES TR RUS MD CP GR ETF 464287481   1,113,155 7,603 SH   SOLE   0 0 7,603
ISHARES TR RUS MDCP VAL ETF 464287473   927,521 5,635 SH   SOLE   0 0 5,635
ISHARES TR U.S. FINLS ETF 464287788   432,004 3,388 SH   SOLE   0 0 3,388
ISHARES TR US HLTHCARE ETF 464287762   471,415 7,035 SH   SOLE   0 0 7,035
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,267,976 22,450 SH   SOLE   0 0 22,450
JPMORGAN CHASE & CO COM 46625H100   7,617,951 23,273 SH   SOLE   0 0 23,273
KROGER CO COM 501044101   280,482 5,051 SH   SOLE   0 0 5,051
LAMAR ADVERTISING CO CL A 512816109   493,521 3,164 SH   SOLE   0 0 3,164
LOWES COS INC COM 548661107   448,571 2,034 SH   SOLE   0 0 2,034
BARINGS CORPORATE INVS COM 06759X107   452,627 25,776 SH   SOLE   0 0 25,776
META PLATFORMS INC CL A 30303M102   229,822 408 SH   SOLE   0 0 408
3M CO COM 88579Y101   289,171 1,786 SH   SOLE   0 0 1,786
ALTRIA GROUP INC COM 02209S103   282,486 3,926 SH   SOLE   0 0 3,926
MICROSOFT CORP COM 594918104   673,349 1,805 SH   SOLE   0 0 1,805
NAPCO SEC TECHNOLOGIES INC COM 630402105   537,189 14,144 SH   SOLE   0 0 14,144
NVIDIA CORPORATION COM 67066G104   1,730,779 8,650 SH   SOLE   0 0 8,650
REALTY INCOME CORP COM 756109104   220,369 3,557 SH   SOLE   0 0 3,557
ALPS ETF TR OSHS GBL INTER 00162Q361   377,217 8,473 SH   SOLE   0 0 8,473
PRUDENTIAL FINL INC COM 744320102   344,836 3,195 SH   SOLE   0 0 3,195
PHILLIPS 66 COM 718546104   706,619 4,180 SH   SOLE   0 0 4,180
PATTERN GROUP INC COM SER A 70339W104   519,770 20,634 SH   SOLE   0 0 20,634
QUALCOMM INC COM 747525103   455,877 2,467 SH   SOLE   0 0 2,467
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,632,215 72,854 SH   SOLE   0 0 72,854
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   3,635,370 75,548 SH   SOLE   0 0 75,548
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   4,506,792 124,291 SH   SOLE   0 0 124,291
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   965,899 34,870 SH   SOLE   0 0 34,870
SCHWAB STRATEGIC TR US REIT ETF 808524847   420,462 17,756 SH   SOLE   0 0 17,756
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,818,147 103,557 SH   SOLE   0 0 103,557
SCHWAB STRATEGIC TR US TIPS ETF 808524870   206,700 7,800 SH   SOLE   0 0 7,800
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,820,228 265,723 SH   SOLE   0 0 265,723
SCHWAB STRATEGIC TR HIGH YIEL BD ETF 808524631   206,403 7,884 SH   SOLE   0 0 7,884
ISHARES TR EAFE SML CP ETF 464288273   303,083 3,684 SH   SOLE   0 0 3,684
SIRIUSXM HOLDINGS INC COMMON STOCK 829933100   794,626 26,900 SH   SOLE   0 0 26,900
SPDR SERIES TRUST ST STR SP600GRWO 78464A201   432,204 3,628 SH   SOLE   0 0 3,628
SPDR SERIES TRUST ST STR SP600SM C 78464A300   503,761 4,617 SH   SOLE   0 0 4,617
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509   801,554 15,480 SH   SOLE   0 0 15,480
SPDR INDEX SHS FDS ST STR EUROP ETF 78463X103   806,297 14,692 SH   SOLE   0 0 14,692
AT&T INC COM 00206R102   206,545 9,978 SH   SOLE   0 0 9,978
UNITEDHEALTH GROUP INC COM 91324P102   1,015,384 2,443 SH   SOLE   0 0 2,443
VANGUARD WORLD FD MATERIALS ETF 92204A801   212,088 927 SH   SOLE   0 0 927
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845   891,435 11,779 SH   SOLE   0 0 11,779
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,999,282 5,467 SH   SOLE   0 0 5,467
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,088,985 8,597 SH   SOLE   0 0 8,597
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   334,336 4,443 SH   SOLE   0 0 4,443
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   1,427,399 3,599 SH   SOLE   0 0 3,599
VANGUARD WORLD FD CONSUM STP ETF 92204A207   308,696 1,369 SH   SOLE   0 0 1,369
VANGUARD WORLD FD ENERGY ETF 92204A306   827,366 5,511 SH   SOLE   0 0 5,511
VANGUARD WORLD FD FINANCIALS ETF 92204A405   1,071,750 8,144 SH   SOLE   0 0 8,144
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   251,963 4,272 SH   SOLE   0 0 4,272
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   11,020,574 124,470 SH   SOLE   0 0 124,470
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   221,975 3,814 SH   SOLE   0 0 3,814
VANGUARD WORLD FD INF TECH ETF 92204A702   2,448,606 20,487 SH   SOLE   0 0 20,487
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   1,182,884 3,956 SH   SOLE   0 0 3,956
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   1,162,226 3,225 SH   SOLE   0 0 3,225
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   587,840 12,558 SH   SOLE   0 0 12,558
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   669,865 6,947 SH   SOLE   0 0 6,947
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   854,482 19,052 SH   SOLE   0 0 19,052
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,230,311 11,287 SH   SOLE   0 0 11,287
TEMA ETF TRUST ELECTRIFICATION 87975E834   231,233 5,520 SH   SOLE   0 0 5,520
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,022,671 6,604 SH   SOLE   0 0 6,604
VANGUARD WORLD FD COMM SRVC ETF 92204A884   787,490 4,281 SH   SOLE   0 0 4,281
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   5,905,049 51,042 SH   SOLE   0 0 51,042
VANGUARD WORLD FD UTILITIES ETF 92204A876   261,104 1,334 SH   SOLE   0 0 1,334
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,681,761 10,900 SH   SOLE   0 0 10,900
VISTRA CORP COM 92840M102   706,538 4,454 SH   SOLE   0 0 4,454
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,379,661 39,867 SH   SOLE   0 0 39,867
WALMART INC COM 931142103   814,792 7,194 SH   SOLE   0 0 7,194
WP CAREY INC COM 92936U109   434,792 6,081 SH   SOLE   0 0 6,081
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100   416,958 8,203 SH   SOLE   0 0 8,203
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852   671,491 6,268 SH   SOLE   0 0 6,268
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506   477,193 8,985 SH   SOLE   0 0 8,985
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605   1,904,817 35,531 SH   SOLE   0 0 35,531
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704   1,077,298 5,816 SH   SOLE   0 0 5,816
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803   4,750,807 24,936 SH   SOLE   0 0 24,936
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308   844,822 10,170 SH   SOLE   0 0 10,170
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209   1,269,121 7,999 SH   SOLE   0 0 7,999
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407   847,583 7,227 SH   SOLE   0 0 7,227
EXXON MOBIL CORP COM 30231G102   869,691 6,361 SH   SOLE   0 0 6,361