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 329,519 1,809 SH   SOLE   1,809 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 972,048 5,030 SH   SOLE   5,030 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 209,932 907 SH   SOLE   907 0 0
APPLE INC COM 037833100 BBG001S5N8V8 9,246,112 43,899 SH   SOLE   43,899 0 0
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 454,197 1,925 SH   SOLE   1,925 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 297,371 731 SH   SOLE   731 0 0
BOEING CO COM 097023105 BBG001S5P0V3 456,296 2,507 SH   SOLE   2,507 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 212,238 637 SH   SOLE   637 0 0
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 324,009 1,259 SH   SOLE   1,259 0 0
CONSTELLATION ENERGY CORP COM 21037T109 BBG014KFRPJ9 294,963 1,473 SH   SOLE   1,473 0 0
CORMEDIX INC COM 21900C308 BBG001T6FWS5 216,500 50,000 SH   SOLE   50,000 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 337,348 397 SH   SOLE   397 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 270,594 724 SH   SOLE   724 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 312,174 345 SH   SOLE   345 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 631,356 5,484 SH   SOLE   5,484 0 0
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 BBG00L4J9BR4 3,879,192 77,724 SH   SOLE   77,724 0 0
FIRST TR VALUE LINE DIVID IN SHS 33734H106 BBG001SLWD88 540,419 13,262 SH   SOLE   13,262 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 BBG00G5CR9C0 295,403 7,980 SH   SOLE   7,980 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 646,463 1,878 SH   SOLE   1,878 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373 BBG00KJR2LY9 1,068,460 34,906 SH   SOLE   34,906 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 1,415,891 13,531 SH   SOLE   13,531 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 316,208 5,403 SH   SOLE   5,403 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 365,335 3,425 SH   SOLE   3,425 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 503,953 4,243 SH   SOLE   4,243 0 0
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 2,781,220 21,817 SH   SOLE   21,817 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 479,140 876 SH   SOLE   876 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 233,942 3,373 SH   SOLE   3,373 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 396,716 4,725 SH   SOLE   4,725 0 0
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 280,487 1,864 SH   SOLE   1,864 0 0
ISHARES TR US CONSUM DISCRE 464287580 BBG001SFGXZ5 375,725 4,623 SH   SOLE   4,623 0 0
ISHARES TR US HLTHCARE ETF 464287762 BBG001SFGXR4 1,268,028 20,696 SH   SOLE   20,696 0 0
ISHARES TR US INDUSTRIALS 464287754 BBG001SFGXQ5 1,095,385 9,171 SH   SOLE   9,171 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 2,063,195 36,401 SH   SOLE   36,401 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 1,202,212 21,661 SH   SOLE   21,661 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 364,836 1,655 SH   SOLE   1,655 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 715,024 2,806 SH   SOLE   2,806 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,470,668 3,290 SH   SOLE   3,290 0 0
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 416,778 2,920 SH   SOLE   2,920 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,206,567 9,767 SH   SOLE   9,767 0 0
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 465,461 1,373 SH   SOLE   1,373 0 0
PEPSICO INC COM 713448108 BBG001S695T1 481,716 2,921 SH   SOLE   2,921 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 396,329 2,403 SH   SOLE   2,403 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 27,067,040 348,084 SH   SOLE   348,084 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 458,372 9,660 SH   SOLE   9,660 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 1,615,525 21,096 SH   SOLE   21,096 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 521,479 7,653 SH   SOLE   7,653 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 339,703 624 SH   SOLE   624 0 0
SPDR SER TR AEROSPACE DEF 78464A631 BBG0024LG8W4 483,616 3,455 SH   SOLE   3,455 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 3,011,636 23,680 SH   SOLE   23,680 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 18,766,112 244,669 SH   SOLE   244,669 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 2,125,428 42,921 SH   SOLE   42,921 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 4,957,712 13,256 SH   SOLE   13,256 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 3,670,687 15,990 SH   SOLE   15,990 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 1,430,979 9,513 SH   SOLE   9,513 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,728,033 7,138 SH   SOLE   7,138 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,028,472 2,056 SH   SOLE   2,056 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,576,267 8,636 SH   SOLE   8,636 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 845,369 3,877 SH   SOLE   3,877 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 400,403 1,601 SH   SOLE   1,601 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 1,779,081 11,091 SH   SOLE   11,091 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 3,214,371 28,539 SH   SOLE   28,539 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 6,411,850 82,974 SH   SOLE   82,974 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 14,575,880 79,846 SH   SOLE   79,846 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 202,056 1,704 SH   SOLE   1,704 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 1,687,282 6,343 SH   SOLE   6,343 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 324,478 563 SH   SOLE   563 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 6,458,452 54,502 SH   SOLE   54,502 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 385,679 1,227 SH   SOLE   1,227 0 0
VICTORY PORTFOLIOS II CORE INTERMEDIAT 92647N527 BBG00HZ6RB06 1,491,210 32,411 SH   SOLE   32,411 0 0
WALMART INC COM 931142103 BBG001S5XH92 718,984 10,619 SH   SOLE   10,619 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 216,202 1,013 SH   SOLE   1,013 0 0