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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES CORE S&P 500 ETF ETF 464287200 21,014,320 37,399 SH SOLE 37,398 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 12,884,231 130,249 SH SOLE 130,249 0 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499 8,549,025 100,494 SH SOLE 100,494 0 0
VANGUARD VALUE ETF ETF 922908744 7,946,660 46,004 SH SOLE 46,003 0 0
VANGUARD RUSSELL 2000 ETF ETF 92206C664 7,176,640 88,985 SH SOLE 88,985 0 0
JPMORGAN HEDGED EQUITY LADDERED OVERLAY ETF ETF 46654Q724 6,867,318 115,069 SH SOLE 115,069 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 5,077,218 102,322 SH SOLE 102,322 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 4,871,303 60,611 SH SOLE 60,610 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 3,170,298 45,413 SH SOLE 45,413 0 0
COGENT COMMUNICATIONS HLDGS IN COM NEW Stock 19239V302 683,116 11,142 SH SOLE 11,142 0 0
AMERICAN EXPRESS CO COM Stock 025816109 508,235 1,889 SH SOLE 1,889 0 0
INVESCO QQQ TRUST SERIES I ETF 46090E103 442,192 943 SH SOLE 943 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 402,386 7,879 SH SOLE 7,879 0 0
MICROSOFT CORP COM Stock 594918104 349,488 931 SH SOLE 931 0 0
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706 319,334 5,376 SH SOLE 5,376 0 0
VICTORYSHARES SHORT-TERM BOND ETF ETF 92647N535 318,690 6,292 SH SOLE 6,292 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 306,399 2,902 SH SOLE 2,901 0 0
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854 265,428 4,036 SH SOLE 4,036 0 0
NVIDIA CORPORATION COM Stock 67066G104 230,849 2,130 SH SOLE 2,130 0 0
WOODWARD INC COM Stock 980745103 219,718 1,204 SH SOLE 1,204 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102 203,277 833 SH SOLE 833 0 0