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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 240,035 5,940 SH SOLE 0 0 5,940
SPDR SER TR BLOOMBERG EMERGI 78464A391 3,541,717 176,468 SH SOLE 0 0 176,468
VANGUARD STAR FDS VG TL INTL STK F 921909768 10,444,865 168,194 SH SOLE 0 0 168,194
ISHARES TR MBS ETF 464288588 4,627,193 49,341 SH SOLE 0 0 49,341
ISHARES TR ISHS 5-10YR INVT 464288638 282,190 5,373 SH SOLE 0 0 5,373
MICROSOFT CORP COM 594918104 520,621 1,387 SH SOLE 0 0 1,387
ISHARES INC MSCI EQUAL WEITE 464286681 6,191,983 66,161 SH SOLE 0 0 66,161
ISHARES TR ISHS 1-5YR INVS 464288646 576,960 11,017 SH SOLE 0 0 11,017
ISHARES TR CORE S&P500 ETF 464287200 7,828,953 13,933 SH SOLE 0 0 13,933
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,666,921 103,114 SH SOLE 0 0 103,114
HARBORONE BANCORP INC NEW COM NEW 41165Y100 312,223 30,108 SH SOLE 0 0 30,108
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 1,438,708 69,570 SH SOLE 0 0 69,570
VANGUARD WELLINGTON FD US QUALITY 921935706 6,959,258 52,069 SH SOLE 0 0 52,069
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 225,238 4,920 SH SOLE 0 0 4,920
ISHARES TR 3 7 YR TREAS BD 464288661 368,581 3,120 SH SOLE 0 0 3,120
AGNC INVT CORP COM 00123Q104 140,339 14,649 SH SOLE 0 0 14,649
ISHARES TR CORE S&P TTL STK 464287150 622,739 5,104 SH SOLE 0 0 5,104
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 286,976 2,475 SH SOLE 0 0 2,475
ISHARES GOLD TR ISHARES NEW 464285204 372,981 6,326 SH SOLE 0 0 6,326
MERCK & CO INC COM 58933Y105 331,843 3,697 SH SOLE 0 0 3,697
ISHARES TR CORE US AGGBD ET 464287226 790,668 7,993 SH SOLE 0 0 7,993
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 204,240 10,710 SH SOLE 0 0 10,710
VERIZON COMMUNICATIONS INC COM 92343V104 237,901 5,245 SH SOLE 0 0 5,245
ISHARES TR CORE TOTAL USD 46434V613 446,862 9,698 SH SOLE 0 0 9,698
WORLD GOLD TR SPDR GLD MINIS 98149E303 2,200,473 35,555 SH SOLE 0 0 35,555
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 6,299,957 321,590 SH SOLE 0 0 321,590
ISHARES TR MSCI USA QLT FCT 46432F339 753,112 4,407 SH SOLE 0 0 4,407
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 6,193,305 127,016 SH SOLE 0 0 127,016
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 576,700 1,081 SH SOLE 0 0 1,081
AMAZON COM INC COM 023135106 410,962 2,160 SH SOLE 0 0 2,160
ISHARES TR 7-10 YR TRSY BD 464287440 230,128 2,413 SH SOLE 0 0 2,413
AMMO INC COM 00175J107 16,000 11,594 SH SOLE 0 0 11,594
COSTCO WHSL CORP NEW COM 22160K105 226,987 240 SH SOLE 0 0 240
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 217,322 2,753 SH SOLE 0 0 2,753
ISHARES TR MSCI ACWI ETF 464288257 413,766 3,555 SH SOLE 0 0 3,555
INVESCO QQQ TR UNIT SER 1 46090E103 787,443 1,679 SH SOLE 0 0 1,679
AMERICAN COASTAL INS CORP COM 910710102 139,604 12,066 SH SOLE 0 0 12,066
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 1,908,923 97,994 SH SOLE 0 0 97,994
ISHARES INC MSCI GBL MIN VOL 464286525 279,521 2,402 SH SOLE 0 0 2,402
ISHARES TR MSCI INTL QUALTY 46434V456 5,947,852 149,858 SH SOLE 0 0 149,858
JOHNSON & JOHNSON COM 478160104 2,923,759 17,630 SH SOLE 0 0 17,630
GE AEROSPACE COM NEW 369604301 213,760 1,068 SH SOLE 0 0 1,068
ISHARES INC CORE MSCI EMKT 46434G103 210,969 3,909 SH SOLE 0 0 3,909
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 387,776 6,078 SH SOLE 0 0 6,078
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827 257,374 10,189 SH SOLE 0 0 10,189
ISHARES TR RUSSELL 2000 ETF 464287655 306,417 1,536 SH SOLE 0 0 1,536
ISHARES TR RUS 1000 VAL ETF 464287598 510,478 2,713 SH SOLE 0 0 2,713
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,413,362 87,316 SH SOLE 0 0 87,316
SPDR GOLD TR GOLD SHS 78463V107 1,577,567 5,475 SH SOLE 0 0 5,475
META PLATFORMS INC CL A 30303M102 547,542 950 SH SOLE 0 0 950
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,535,580 37,834 SH SOLE 0 0 37,834
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 1,994,851 98,027 SH SOLE 0 0 98,027
ALPHABET INC CAP STK CL A 02079K305 290,723 1,880 SH SOLE 0 0 1,880
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217 244,133 5,570 SH SOLE 0 0 5,570
SPDR S&P 500 ETF TR TR UNIT 78462F103 17,322,567 30,967 SH SOLE 0 0 30,967
ISHARES TR S&P 500 GRWT ETF 464287309 440,386 4,744 SH SOLE 0 0 4,744
UNION PAC CORP COM 907818108 213,325 903 SH SOLE 0 0 903
APPLE INC COM 037833100 1,850,952 8,333 SH SOLE 0 0 8,333
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,875,279 77,661 SH SOLE 0 0 77,661
ISHARES TR CORE MSCI EAFE 46432F842 687,129 9,083 SH SOLE 0 0 9,083
ISHARES TR MSCI EAFE ETF 464287465 1,427,333 17,464 SH SOLE 0 0 17,464