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
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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
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106   8,756,833 177,695 SH   SOLE   111,217 0 66,479
CAPITAL GROUP GBL GROWTH EQT SHS CREAT UNIT 14020X104   8,552,299 202,039 SH   SOLE   128,369 0 73,670
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300   2,716,224 99,386 SH   SOLE   65,512 0 33,874
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506   7,514,442 92,702 SH   SOLE   59,283 0 33,419
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   10,116,740 200,054 SH   SOLE   138,497 0 61,557
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   11,886,680 351,261 SH   SOLE   218,769 0 132,493
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,400,041 35,500 SH   SOLE   23,341 0 12,160
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,907,637 63,985 SH   SOLE   45,518 0 18,467
AMAZON COM INC COM 023135106   596,088 2,501 SH   SOLE   2,501 0 0
APPLE INC COM 037833100   836,415 2,891 SH   SOLE   2,788 0 103
BROADCOM INC COM 11135F101   819,353 2,169 SH   SOLE   2,169 0 0
CHEVRON CORPORATION COM 166764100   466,520 2,814 SH   SOLE   2,814 0 0
CORNING INC COM 219350105   534,360 2,092 SH   SOLE   2,092 0 0
DELL TECHNOLOGIES INC CL C 24703L202   783,100 1,815 SH   SOLE   1,815 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   270,025 679 SH   SOLE   679 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   213,004 2,313 SH   SOLE   2,313 0 0
TJX COS INC NEW COM 872540109   254,546 1,680 SH   SOLE   1,672 0 8
WALMART INC COM 931142103   448,754 3,962 SH   SOLE   3,962 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,833,151 31,081 SH   SOLE   28,538 0 2,543
VANGUARD INDEX FDS VALUE ETF 922908744   4,045,782 18,565 SH   SOLE   17,929 0 635
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   9,955,655 199,993 SH   SOLE   186,725 0 13,268
FIRST TR EXCHANGE TRADED FD SMID RISNG ETF 33741X102   1,484,694 34,416 SH   SOLE   21,961 0 12,455
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   2,619,718 16,217 SH   SOLE   9,662 0 6,555
VANGUARD WELLINGTON FD US MOMENTUM 921935508   1,875,856 7,518 SH   SOLE   4,748 0 2,770
CAPITAL GROUP DIVIDEND GROWE SHS ETF 14021L109   1,461,223 38,956 SH   SOLE   22,737 0 16,219
PGIM ETF TR ACTV HY BD ETF 69344A206   1,123,636 32,214 SH   SOLE   20,691 0 11,523
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,382,751 33,442 SH   SOLE   33,072 0 370
VANGUARD INDEX FDS TOTAL STK MKT 922908769   804,977 2,175 SH   SOLE   1,777 0 398
ADVANCED MICRO DEVICES INC COM 007903107   2,423,557 4,172 SH   SOLE   3,738 0 434
ALPHABET INC CAP STK CL A 02079K305   399,897 1,119 SH   SOLE   1,119 0 0
M & T BK CORP COM 55261F104   200,166 841 SH   SOLE   841 0 0
UNITEDHEALTH GROUP INC COM 91324P102   228,181 549 SH   SOLE   549 0 0
VICI PPTYS INC COM 925652109   208,019 7,835 SH   SOLE   7,835 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210   684,367 344 SH   SOLE   69 0 275
ISHARES TR 0-3 MTH TREASURY 46436E718   455,532 4,525 SH   SOLE   4,525 0 0
MICROSOFT CORP COM 594918104   612,470 1,642 SH   SOLE   1,474 0 168
VANGUARD INDEX FDS GROWTH ETF 922908736   3,168,282 36,781 SH   SOLE   35,220 0 1,561
VANGUARD INDEX FDS MID CAP ETF 922908629   541,555 6,722 SH   SOLE   6,722 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   538,399 2,216 SH   SOLE   2,216 0 0
ISHARES TR RUS TP200 GR ETF 464289438   432,049 1,487 SH   SOLE   1,137 0 350
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   381,383 4,084 SH   SOLE   2,680 0 1,404
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   237,691 1,203 SH   SOLE   881 0 322
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,055,824 3,483 SH   SOLE   2,761 0 722
T ROWE PRICE EXCHANGE-TRADED ULTRA SHRT TRM 87283Q701   3,321,312 66,733 SH   SOLE   40,485 0 26,249
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   417,863 17,310 SH   SOLE   15,237 0 2,073
EXXON MOBIL CORP COM 30231G102   200,683 1,468 SH   SOLE   1,468 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105   1,299,764 1,389 SH   SOLE   1,359 0 30
RTX CORPORATION COM 75513E101   214,585 1,131 SH   SOLE   1,131 0 0
TESLA INC COM 88160R101   489,578 1,164 SH   SOLE   1,061 0 103
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   237,677 4,307 SH   SOLE   3,713 0 594
APPLIED MATLS INC COM 038222105   216,177 299 SH   SOLE   299 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   249,447 1,466 SH   SOLE   1,052 0 414
T ROWE PRICE EXCHANGE-TRADED PRICE EQT INCOME 87283Q206   592,055 11,752 SH   SOLE   6,192 0 5,560
VANGUARD WORLD FD MEGA GRWTH IND 921910816   401,233 4,564 SH   SOLE   3,914 0 650
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   281,639 1,794 SH   SOLE   1,707 0 87
FIRST TR EXCHNG TRADED FD VI SMIT UNCO BD ETF 33740F888   225,840 9,077 SH   SOLE   6,082 0 2,996
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   249,255 4,928 SH   SOLE   3,483 0 1,444
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   351,274 702 SH   SOLE   452 0 250
CISCO SYS INC COM 17275R102   567,109 4,828 SH   SOLE   4,828 0 0
JOHNSON & JOHNSON COM 478160104   1,252,206 4,931 SH   SOLE   4,931 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106   300,698 3,705 SH   SOLE   3,705 0 0
REALTY INCOME CORP COM 756109104   356,024 5,746 SH   SOLE   5,746 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   395,865 2,505 SH   SOLE   2,505 0 0
ISHARES TR RUS 1000 ETF 464287622   313,677 766 SH   SOLE   766 0 0
ISHARES TR NATIONAL MUN ETF 464288414   220,651 2,050 SH   SOLE   1,311 0 740
CUMMINS INC COM 231021106   285,631 400 SH   SOLE   400 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   399,944 938 SH   SOLE   938 0 0