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 272,731 1,807 SH   SOLE   1,807 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,042,596 5,780 SH   SOLE   5,780 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 206,047 905 SH   SOLE   905 0 0
APPLE INC COM 037833100 BBG001S5N8V8 7,530,213 43,913 SH   SOLE   43,913 0 0
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 396,388 1,922 SH   SOLE   1,922 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 307,400 731 SH   SOLE   731 0 0
BLACKSTONE INC COM 09260D107 BBG001S7H949 200,117 1,523 SH   SOLE   1,523 0 0
BOEING CO COM 097023105 BBG001S5P0V3 560,473 2,904 SH   SOLE   2,904 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 232,831 635 SH   SOLE   635 0 0
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 427,130 1,572 SH   SOLE   1,572 0 0
CONSTELLATION ENERGY CORP COM 21037T109 BBG014KFRPJ9 265,016 1,434 SH   SOLE   1,434 0 0
CORMEDIX INC COM 21900C308 BBG001T6FWS5 212,000 50,000 SH   SOLE   50,000 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 290,448 396 SH   SOLE   396 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 306,209 746 SH   SOLE   746 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 268,034 345 SH   SOLE   345 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 646,096 5,558 SH   SOLE   5,558 0 0
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 BBG00L4J9BR4 3,070,118 61,439 SH   SOLE   61,439 0 0
FIRST TR VALUE LINE DIVID IN SHS 33734H106 BBG001SLWD88 700,154 16,580 SH   SOLE   16,580 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 BBG00G5CR9C0 317,666 7,980 SH   SOLE   7,980 0 0
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 201,335 604 SH   SOLE   604 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 717,343 1,870 SH   SOLE   1,870 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 206,017 1,079 SH   SOLE   1,079 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373 BBG00KJR2LY9 1,405,291 42,675 SH   SOLE   42,675 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 1,490,357 14,157 SH   SOLE   14,157 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 370,232 6,095 SH   SOLE   6,095 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 347,032 3,140 SH   SOLE   3,140 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 497,943 4,319 SH   SOLE   4,319 0 0
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 2,730,087 23,292 SH   SOLE   23,292 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 459,583 874 SH   SOLE   874 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 279,795 3,947 SH   SOLE   3,947 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 514,005 6,150 SH   SOLE   6,150 0 0
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 250,245 1,853 SH   SOLE   1,853 0 0
ISHARES TR US CONSUM DISCRE 464287580 BBG001SFGXZ5 378,475 4,617 SH   SOLE   4,617 0 0
ISHARES TR US HLTHCARE ETF 464287762 BBG001SFGXR4 1,402,674 22,660 SH   SOLE   22,660 0 0
ISHARES TR US INDUSTRIALS 464287754 BBG001SFGXQ5 1,239,035 9,856 SH   SOLE   9,856 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 1,413,591 24,431 SH   SOLE   24,431 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 566,407 10,443 SH   SOLE   10,443 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 419,683 1,648 SH   SOLE   1,648 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 812,644 2,882 SH   SOLE   2,882 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 245,829 1,863 SH   SOLE   1,863 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,373,581 3,265 SH   SOLE   3,265 0 0
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 220,894 867 SH   SOLE   867 0 0
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 374,473 2,916 SH   SOLE   2,916 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 844,456 935 SH   SOLE   935 0 0
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 341,808 1,203 SH   SOLE   1,203 0 0
PEPSICO INC COM 713448108 BBG001S695T1 506,359 2,893 SH   SOLE   2,893 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 399,670 2,463 SH   SOLE   2,463 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 203,840 3,052 SH   SOLE   3,052 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 26,982,694 334,648 SH   SOLE   334,648 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 449,862 9,136 SH   SOLE   9,136 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 1,937,803 25,377 SH   SOLE   25,377 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 591,683 9,013 SH   SOLE   9,013 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 326,319 624 SH   SOLE   624 0 0
SPDR SER TR AEROSPACE DEF 78464A631 BBG0024LG8W4 484,904 3,451 SH   SOLE   3,451 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 3,433,208 26,160 SH   SOLE   26,160 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 18,124,804 236,400 SH   SOLE   236,400 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 2,308,300 46,585 SH   SOLE   46,585 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 4,702,587 13,662 SH   SOLE   13,662 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 3,667,316 15,553 SH   SOLE   15,553 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 1,601,455 10,272 SH   SOLE   10,272 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,759,152 7,041 SH   SOLE   7,041 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,053,206 2,191 SH   SOLE   2,191 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,758,905 9,167 SH   SOLE   9,167 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 931,700 4,076 SH   SOLE   4,076 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 399,887 1,534 SH   SOLE   1,534 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 1,855,392 11,393 SH   SOLE   11,393 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 2,191,959 19,837 SH   SOLE   19,837 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 6,672,226 86,305 SH   SOLE   86,305 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 14,894,469 81,564 SH   SOLE   81,564 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 204,382 1,689 SH   SOLE   1,689 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 1,748,449 6,463 SH   SOLE   6,463 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 295,074 563 SH   SOLE   563 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 6,878,861 57,559 SH   SOLE   57,559 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 357,820 1,248 SH   SOLE   1,248 0 0
WALMART INC COM 931142103 BBG001S5XH92 649,018 10,786 SH   SOLE   10,786 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 215,232 1,010 SH   SOLE   1,010 0 0