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
Walmart Inc COM 931142103 203,322 2,316 SH SOLE 0 0 2,316
Bristol Myers Squibb Company COM 110122108 208,098 3,412 SH SOLE 0 0 3,412
Amazon.com Inc COM 023135106 215,374 1,132 SH SOLE 0 0 1,132
Raymond James Financial Inc COM 754730109 216,335 1,563 SH SOLE 0 0 1,563
Nvidia Corp COM 67066G104 228,140 2,105 SH SOLE 0 0 2,105
Pepsico Inc COM 713448108 228,958 1,527 SH SOLE 0 0 1,527
Coca-cola Company COM 191216100 243,508 3,400 SH SOLE 0 0 3,400
Home Depot Inc COM 437076102 264,239 721 SH SOLE 0 0 721
Procter & Gamble Co COM 742718109 306,926 1,801 SH SOLE 0 0 1,801
Alphabet Inc Cl C COM 02079K107 331,676 2,123 SH SOLE 0 0 2,123
Anheuser Busch Inbev Sa/nv COM 03524A108 338,580 5,500 SH SOLE 0 0 5,500
Thermo Fisher Scientific Inc COM 883556102 352,330 708 SH SOLE 0 0 708
Rtx Corp COM 75513E101 370,677 2,798 SH SOLE 0 0 2,798
Costco Wholesale Corp COM 22160K105 377,643 399 SH SOLE 0 0 399
Verizon Communications Inc COM 92343V104 378,529 8,345 SH SOLE 0 0 8,345
Nextera Energy Inc COM 65339F101 383,753 5,413 SH SOLE 0 0 5,413
Ge Aerospace COM 369604301 441,131 2,204 SH SOLE 0 0 2,204
W P Carey Inc COM 92936U109 453,635 7,188 SH SOLE 0 0 7,188
Broadcom Inc COM 11135F101 468,804 2,800 SH SOLE 0 0 2,800
Meta Platforms Inc Cl A COM 30303M102 548,695 952 SH SOLE 0 0 952
Waste Management Inc Del COM 94106L109 622,067 2,687 SH SOLE 0 0 2,687
Intl Business Machines Corp COM 459200101 645,770 2,597 SH SOLE 0 0 2,597
Merck & Company Inc COM 58933Y105 727,475 8,105 SH SOLE 0 0 8,105
Mckesson Corp COM 58155Q103 784,033 1,165 SH SOLE 0 0 1,165
Chevron Corp COM 166764100 788,103 4,711 SH SOLE 0 0 4,711
Tesla Inc COM 88160R101 810,912 3,129 SH SOLE 0 0 3,129
United Parcel Service Inc Cl B COM 911312106 832,820 7,572 SH SOLE 0 0 7,572
Mcdonalds Corp COM 580135101 1,094,544 3,504 SH SOLE 0 0 3,504
Jpmorgan Chase & Co COM 46625H100 1,096,736 4,471 SH SOLE 0 0 4,471
Caterpillar Inc COM 149123101 1,729,141 5,243 SH SOLE 0 0 5,243
Berkshire Hathaway Inc Cl B COM 084670702 1,923,668 3,612 SH SOLE 0 0 3,612
Microsoft Corp COM 594918104 2,501,283 6,663 SH SOLE 0 0 6,663
Pfizer Inc COM 717081103 301,799 11,910 SH SOLE 0 0 11,910
Exxon Mobil Corp COM 30231G102 1,626,784 13,679 SH SOLE 0 0 13,679
Best Buy Company Inc COM 086516101 1,251 17 SH SOLE 0 0 17
Ishares Ibonds December 2026 Municipal Etf ETF 46435U259 204,480 8,000 SH SOLE 0 0 8,000
Ishares Msci Usa Value Factor Etf ETF 46432F388 214,367 2,010 SH SOLE 0 0 2,010
Spdr Doubleline Total Return Tactical Etf ETF 78467V848 234,059 5,834 SH SOLE 0 0 5,834
Ishares U S Healthcare Etf ETF 464287762 236,763 3,888 SH SOLE 0 0 3,888
Vanguard Core Plus Bond Etf ETF 922020755 249,752 3,220 SH SOLE 0 0 3,220
Spdr S&p Regional Banking Etf ETF 78464A698 260,066 4,575 SH SOLE 0 0 4,575
Energy Select Sector Spdr Etf ETF 81369Y506 274,276 2,935 SH SOLE 0 0 2,935
World Gold Trust Spdr Gold Minishares Trust New Etf ETF 98149E303 274,420 4,434 SH SOLE 0 0 4,434
Ishares Iboxx $ High Yield Corporate Bond Etf ETF 464288513 283,319 3,591 SH SOLE 0 0 3,591
Vanguard Total Intl Stock Index Etf ETF 921909768 295,073 4,752 SH SOLE 0 0 4,752
Ishares Russell 3000 Etf ETF 464287689 320,527 1,009 SH SOLE 0 0 1,009
Spdr Series Trust S&p Dividend Etf ETF 78464A763 339,200 2,500 SH SOLE 0 0 2,500
Spdr Portfolio S&p 500 Value Etf ETF 78464A508 362,728 7,103 SH SOLE 0 0 7,103
Fidelity Msci Information Tech Index Etf ETF 316092808 363,503 2,254 SH SOLE 0 0 2,254
Ishares Msci Eafe Etf ETF 464287465 368,286 4,506 SH SOLE 0 0 4,506
Spdr Bloomberg 1-3 Month T-bill Etf ETF 78468R663 378,971 4,146 SH SOLE 0 0 4,146
Spdr Gold Trust Gold Shares ETF 78463V107 396,481 1,376 SH SOLE 0 0 1,376
Avantis U S Mid Cap Equity Etf ETF 025072125 422,952 6,824 SH SOLE 0 0 6,824
Financial Select Sector Spdr Etf ETF 81369Y605 465,166 9,339 SH SOLE 0 0 9,339
Vanguard Short Term Tax Exempt Bond Etf ETF 921935870 469,396 4,681 SH SOLE 0 0 4,681
Ishares S&p 500 Growth Etf ETF 464287309 482,716 5,200 SH SOLE 0 0 5,200
Vanguard S&p 500 Index Etf ETF 922908363 485,880 945 SH SOLE 0 0 945
First Trust Capital Strength Etf ETF 33733E104 552,541 6,164 SH SOLE 0 0 6,164
Ishares Msci Usa Min Volatility Factor Etf ETF 46429B697 593,430 6,336 SH SOLE 0 0 6,336
Spdr Dow Jones Industrial Average Etf ETF 78467X109 600,428 1,430 SH SOLE 0 0 1,430
Fidelity Msci Healthcare Index Etf ETF 316092600 610,781 8,940 SH SOLE 0 0 8,940
Utilities Select Sector Spdr Etf ETF 81369Y886 667,860 8,470 SH SOLE 0 0 8,470
Spdr Nyse Technology Etf ETF 78464A102 716,421 3,735 SH SOLE 0 0 3,735
Ishares 0-3 Month Treasury Bond Etf ETF 46436E718 733,558 7,287 SH SOLE 0 0 7,287
Ishares Global Tech Etf ETF 464287291 747,225 9,866 SH SOLE 0 0 9,866
Ishares 7-10yr Treasury Bond Etf ETF 464287440 762,960 8,000 SH SOLE 0 0 8,000
Technology Select Sector Spdr Etf ETF 81369Y803 828,612 4,013 SH SOLE 0 0 4,013
Ishares Core S&p U S Growth Etf ETF 464287671 888,355 6,991 SH SOLE 0 0 6,991
Ishares Global Healthcare Etf ETF 464287325 910,877 9,988 SH SOLE 0 0 9,988
Vanguard High Dividend Yield Etf ETF 921946406 1,115,591 8,651 SH SOLE 0 0 8,651
Ishares Msci Usa Momentum Factor Etf ETF 46432F396 1,226,323 6,067 SH SOLE 0 0 6,067
Vanguard Growth Etf ETF 922908736 1,267,232 3,417 SH SOLE 0 0 3,417
Ishares Msci Usa Quality Factor Etf ETF 46432F339 1,299,647 7,605 SH SOLE 0 0 7,605
Ishares S&p 500 Value Etf ETF 464287408 1,577,812 8,279 SH SOLE 0 0 8,279
Spdr S&p Mid Cap 400 Etf ETF 78467Y107 1,748,377 3,277 SH SOLE 0 0 3,277
Ishares Russell 2000 Etf ETF 464287655 1,984,258 9,947 SH SOLE 0 0 9,947
Spdr S&p 500 Etf ETF 78462F103 2,127,212 3,803 SH SOLE 0 0 3,803
Vanguard Total Stock Market Etf ETF 922908769 2,377,316 8,650 SH SOLE 0 0 8,650
Ishares Russell Mid Cap Growth Etf ETF 464287481 1,180,540 10,048 SH SOLE 0 0 10,048
Ishares Russell 1000 Value Etf ETF 464287598 2,030,726 10,793 SH SOLE 0 0 10,793
Vanguard Dividend Appreciation Index Fund Etf ETF 921908844 2,219,024 11,439 SH SOLE 0 0 11,439
Ishares Russell 1000 Growth Etf ETF 464287614 4,265,030 11,812 SH SOLE 0 0 11,812
Spdr Blackstone Senior Ln Etf ETF 78467V608 485,805 11,890 SH SOLE 0 0 11,890
Dimensional National Municipal Bond Etf ETF 25434V849 575,715 12,102 SH SOLE 0 0 12,102
Ishares Select Dividend Etf ETF 464287168 1,857,309 13,831 SH SOLE 0 0 13,831
Proshares S&p 500 High Income Etf ETF 74347G242 600,120 14,258 SH SOLE 0 0 14,258
Dimensional U S Core Etf ETF 25434V104 562,192 14,625 SH SOLE 0 0 14,625
Ishares Msci China Etf ETF 46429B671 802,944 14,760 SH SOLE 0 0 14,760
Invesco Nasdaq 100 Etf ETF 46138G649 3,154,513 16,343 SH SOLE 0 0 16,343
Dimensional U S Equity Market Etf ETF 25434V401 1,023,034 16,915 SH SOLE 0 0 16,915
Ishares Ibonds December 2027 Treasury Etf ETF 46436E841 382,410 17,057 SH SOLE 0 0 17,057
Ishares Ibonds December 2025 Municipal Etf ETF 46435U432 462,905 17,305 SH SOLE 0 0 17,305
Spdr Portfolio S&p 400 Mid Cap Etf ETF 78464A847 902,218 17,628 SH SOLE 0 0 17,628
Goldman Sachs Equal Weight U S Large Cap Equity Etf ETF 381430438 1,454,721 19,131 SH SOLE 0 0 19,131
Proshares S&p 500 Div Aristocrats Etf ETF 74348A467 1,959,812 19,180 SH SOLE 0 0 19,180
Vanguard Short Term Inflation Protected Securities Etf ETF 922020805 1,048,370 21,009 SH SOLE 0 0 21,009
Dimensional U S Core Equity 2 Etf ETF 25434V708 701,779 21,272 SH SOLE 0 0 21,272
Spdr S&p 600 Small Cap Value Etf ETF 78464A300 1,697,516 21,652 SH SOLE 0 0 21,652
Vanguard Municipal Tax Exempt Bond Index Etf ETF 922907746 1,111,521 22,462 SH SOLE 0 0 22,462
Dimensional Intl Core Equity Market Etf ETF 25434V203 724,399 23,196 SH SOLE 0 0 23,196
Jpmorgan Equity Focus Etf ETF 46654Q781 1,500,339 23,568 SH SOLE 0 0 23,568
Pimco 25 yr Zero Coupon U S Treasury Index Etf ETF 72201R882 1,703,934 23,788 SH SOLE 0 0 23,788
Spdr Portfolio S&p 600 Small Cap Etf ETF 78468R853 1,134,369 27,830 SH SOLE 0 0 27,830
Spdr Europe Etf ETF 78463X103 1,240,202 28,180 SH SOLE 0 0 28,180
Dimensional U S Marketwide Value Etf ETF 25434V724 1,192,127 28,928 SH SOLE 0 0 28,928
Spdr Ssga Ultra Short Term Bond Etf ETF 78467V707 1,174,441 29,001 SH SOLE 0 0 29,001
Ishares Ibonds Dec 2026 Term Corp Etf ETF 46435GAA0 709,087 29,289 SH SOLE 0 0 29,289
Invesco Qqq Etf ETF 46090E103 13,774,072 29,374 SH SOLE 0 0 29,374
First Trust Short Duration Managed Municipal Etf ETF 33739P830 625,726 31,491 SH SOLE 0 0 31,491
Spdr Doubleline Short Duration Total Return Tactical Etf ETF 78470P200 1,514,011 32,043 SH SOLE 0 0 32,043
Invesco S&p 500 Equal Weight Etf ETF 46137V357 5,828,837 33,648 SH SOLE 0 0 33,648
Harbor Intl Compounders Etf ETF 41151J885 912,406 34,385 SH SOLE 0 0 34,385
Ishares Ibonds Dec 2025 Term Corporate Etf ETF 46434VBD1 991,622 39,428 SH SOLE 0 0 39,428
First Trust Rising Dividend Achievers Etf ETF 33738R506 2,535,777 43,317 SH SOLE 0 0 43,317
Ishares Core S&p Small Cap Etf ETF 464287804 4,551,687 43,528 SH SOLE 0 0 43,528
Vanguard Total Intl Bond Index Etf ETF 92203J407 2,222,077 45,516 SH SOLE 0 0 45,516
Dimensional U S Core Equity 1 Etf ETF 25434V625 3,205,159 52,261 SH SOLE 0 0 52,261
Proshares Nasdaq 100 High Income Etf ETF 74347G234 2,049,066 52,743 SH SOLE 0 0 52,743
Ishares Floating Rate Bond Etf ETF 46429B655 2,780,015 54,457 SH SOLE 0 0 54,457
Ishares Core S&p 500 Etf ETF 464287200 31,928,463 56,822 SH SOLE 0 0 56,822
Ishares Core Msci Emerging Markets Etf ETF 46434G103 3,213,212 59,537 SH SOLE 0 0 59,537
Ishares Core Msci Eafe Etf ETF 46432F842 4,902,451 64,804 SH SOLE 0 0 64,804
Janus Henderson Mortgage Backed Etf ETF 47103U852 3,024,612 67,200 SH SOLE 0 0 67,200
Ishares Core Msci Total Intl Stock Etf ETF 46432F834 4,828,003 69,159 SH SOLE 0 0 69,159
Jpmorgan Active Bond Etf ETF 46654Q716 4,069,982 76,046 SH SOLE 0 0 76,046
Ishares Core S&p U S Value Etf ETF 464287663 8,406,774 91,091 SH SOLE 0 0 91,091
Eaton Vance Floating Rate Etf ETF 61774R833 4,590,890 92,839 SH SOLE 0 0 92,839
Ishares Core 1-5 Year Usd Bond Etf ETF 46432F859 4,796,341 99,200 SH SOLE 0 0 99,200
Spdr Corp Bond Etf ETF 78464A144 3,025,483 104,670 SH SOLE 0 0 104,670
Goldman Sachs Access Treasury 0-1yr Etf ETF 381430529 10,555,771 105,368 SH SOLE 0 0 105,368
Schwab U S Dividend Equity Etf ETF 808524797 3,118,466 111,533 SH SOLE 0 0 111,533
Nyli Ftse Intl Equity Currency Neutral Etf ETF 45409B560 3,472,143 126,168 SH SOLE 0 0 126,168
Ishares Flexible Income Active Etf ETF 092528603 6,805,489 129,925 SH SOLE 0 0 129,925
Ishares Core S&p Mid Cap Etf ETF 464287507 7,734,278 132,550 SH SOLE 0 0 132,550
Janus Henderson Aaa Clo Etf ETF 47103U845 6,975,089 138,198 SH SOLE 0 0 138,198
Eaton Vance Total Return Return Etf ETF 61774R841 7,398,631 146,131 SH SOLE 0 0 146,131
John Hancock Multifactor Mid Cap Etf ETF 47804J206 10,639,178 185,675 SH SOLE 0 0 185,675
Ishares Ibonds December 2026 Treasury Etf ETF 46436E858 4,410,115 192,246 SH SOLE 0 0 192,246
Jpmorgan Betabuilders Japan Etf ETF 46641Q217 11,643,916 207,445 SH SOLE 0 0 207,445
Ishares U S Equity Factor Rotation Active Etf ETF 09290C103 10,566,820 216,711 SH SOLE 0 0 216,711
Spdr Intermediate Term Treasury Etf ETF 78464A672 6,682,187 234,575 SH SOLE 0 0 234,575
Jpmorgan Nasdaq Equity Premium Income Etf ETF 46654Q203 12,691,872 245,111 SH SOLE 0 0 245,111
Dimensional World Ex U S Core Equity 2 Etf ETF 25434V880 7,478,972 285,457 SH SOLE 0 0 285,457
Spdr Aggregate Bond Etf ETF 78464A649 7,819,365 307,172 SH SOLE 0 0 307,172
Ishares Ibonds Dec 2025 Term Treasury Etf ETF 46436E866 7,326,042 313,481 SH SOLE 0 0 313,481
Spdr Ssga Multi Asset Real Return Etf ETF 78467V103 9,132,389 319,986 SH SOLE 0 0 319,986
Ishares Core S&p Total U S Stock Market Etf ETF 464287150 39,848,006 326,596 SH SOLE 0 0 326,596
Spdr Portfolio S&p 500 Etf ETF 78464A854 27,492,856 418,079 SH SOLE 0 0 418,079
John Hancock Preferred Income Etf ETF 47804J776 10,219,341 456,017 SH SOLE 0 0 456,017
Blackrock Municipal 2030 Target Term Trust ETF 09257P105 2,325,424 109,535 SH SOLE 0 0 109,535
Geltech Solutions Inc COM 368537106 0 85,556 SH SOLE 0 0 85,556
Apple Inc COM 037833100 5,239,158 23,586 SH SOLE 0 0 23,586
Abbvie Inc COM 00287Y109 1,934,415 9,233 SH SOLE 0 0 9,233
Abbott Laboratories COM 002824100 1,081,482 8,153 SH SOLE 0 0 8,153
Ishares Core U S Aggregate Bond Etf ETF 464287226 7,339,249 74,194 SH SOLE 0 0 74,194
Alphatec Holdings Inc COM 02081G201 295,936 29,185 SH SOLE 0 0 29,185
Avantis Emerging Markets Equity Etf ETF 025072604 24,008 399 SH SOLE 0 0 399