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
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
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
ABBOTT LABS COM 002824100 356,570 2,622 SH SOLE 0 0 2,622
ABBVIE INC COM 00287Y109 466,216 2,512 SH SOLE 0 0 2,512
ALPHABET INC CAP STK CL C 02079K107 437,672 2,467 SH SOLE 0 0 2,467
ALPHABET INC CAP STK CL A 02079K305 828,105 4,699 SH SOLE 0 0 4,699
AMAZON COM INC COM 023135106 2,062,047 9,399 SH SOLE 0 0 9,399
AMBEV SA SPONSORED ADR 02319V103 24,221 10,050 SH SOLE 0 0 10,050
AMGEN INC COM 031162100 307,698 1,102 SH SOLE 0 0 1,102
AMPHENOL CORP NEW CL A 032095101 457,213 4,630 SH SOLE 0 0 4,630
ANALOG DEVICES INC COM 032654105 253,253 1,064 SH SOLE 0 0 1,064
APPLE INC COM 037833100 1,119,821 5,458 SH SOLE 0 0 5,458
ASTRAZENECA PLC SPONSORED ADR 046353108 261,227 3,738 SH SOLE 0 0 3,738
ATLASSIAN CORPORATION CL A 049468101 264,220 1,301 SH SOLE 0 0 1,301
AUTODESK INC COM 052769106 248,894 804 SH SOLE 0 0 804
BANCO SANTANDER S.A. ADR 05964H105 91,997 11,084 SH SOLE 0 0 11,084
BENTLEY SYS INC COM CL B 08265T208 203,089 3,763 SH SOLE 0 0 3,763
BERKLEY W R CORP COM 084423102 434,795 5,918 SH SOLE 0 0 5,918
BOEING CO COM 097023105 303,609 1,449 SH SOLE 0 0 1,449
BOSTON SCIENTIFIC CORP COM 101137107 294,089 2,738 SH SOLE 0 0 2,738
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 334,499 7,067 SH SOLE 0 0 7,067
BROADCOM INC COM 11135F101 934,515 3,390 SH SOLE 0 0 3,390
THE CIGNA GROUP COM 125523100 524,630 1,587 SH SOLE 0 0 1,587
CACI INTL INC CL A 127190304 266,952 560 SH SOLE 0 0 560
CADENCE DESIGN SYSTEM INC COM 127387108 204,612 664 SH SOLE 0 0 664
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 8,487,690 208,799 SH SOLE 0 0 208,799
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 424,123 10,740 SH SOLE 0 0 10,740
CAPITAL ONE FINL CORP COM 14040H105 318,076 1,495 SH SOLE 0 0 1,495
CARLISLE COS INC COM 142339100 349,876 937 SH SOLE 0 0 937
CASEYS GEN STORES INC COM 147528103 227,070 445 SH SOLE 0 0 445
CHENIERE ENERGY INC COM NEW 16411R208 246,199 1,011 SH SOLE 0 0 1,011
CHEVRON CORP NEW COM 166764100 281,082 1,963 SH SOLE 0 0 1,963
CHOICE HOTELS INTL INC COM 169905106 235,870 1,859 SH SOLE 0 0 1,859
CITIGROUP INC COM NEW 172967424 218,929 2,572 SH SOLE 0 0 2,572
COLUMBIA ETF TR I MULTI SEC MUNI 19761L607 2,174,308 108,067 SH SOLE 0 0 108,067
CONOCOPHILLIPS COM 20825C104 252,977 2,819 SH SOLE 0 0 2,819
DUKE ENERGY CORP NEW COM NEW 26441C204 439,550 3,725 SH SOLE 0 0 3,725
ENBRIDGE INC COM 29250N105 338,314 7,465 SH SOLE 0 0 7,465
EXXON MOBIL CORP COM 30231G102 575,005 5,334 SH SOLE 0 0 5,334
FTI CONSULTING INC COM 302941109 205,590 1,273 SH SOLE 0 0 1,273
META PLATFORMS INC CL A 30303M102 1,944,908 2,635 SH SOLE 0 0 2,635
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 12,724,366 278,128 SH SOLE 0 0 278,128
FIRST TR EXCHANGE-TRADED FD SHS 336917109 4,501,183 107,504 SH SOLE 0 0 107,504
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 6,384,373 101,759 SH SOLE 0 0 101,759
FIRST TR EXCHANGE TRADED FD RBA INDL ETF 33738R704 3,036,834 37,308 SH SOLE 0 0 37,308
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101 218,467 8,856 SH SOLE 0 0 8,856
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830 1,183,269 59,446 SH SOLE 0 0 59,446
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 5,795,120 117,644 SH SOLE 0 0 117,644
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102 2,578,978 73,100 SH SOLE 0 0 73,100
FIRSTENERGY CORP COM 337932107 201,743 5,011 SH SOLE 0 0 5,011
GE VERNOVA INC COM 36828A101 409,562 774 SH SOLE 0 0 774
GENERAL DYNAMICS CORP COM 369550108 212,926 730 SH SOLE 0 0 730
GE AEROSPACE COM NEW 369604301 356,792 1,386 SH SOLE 0 0 1,386
GILEAD SCIENCES INC COM 375558103 252,948 2,281 SH SOLE 0 0 2,281
GSK PLC SPONSORED ADR 37733W204 232,205 6,047 SH SOLE 0 0 6,047
GODADDY INC CL A 380237107 272,611 1,514 SH SOLE 0 0 1,514
HENRY JACK & ASSOC INC COM 426281101 259,084 1,438 SH SOLE 0 0 1,438
HOWMET AEROSPACE INC COM 443201108 262,816 1,412 SH SOLE 0 0 1,412
HUNTINGTON BANCSHARES INC COM 446150104 176,466 10,529 SH SOLE 0 0 10,529
INTUITIVE SURGICAL INC COM NEW 46120E602 255,946 471 SH SOLE 0 0 471
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,559,284 25,087 SH SOLE 0 0 25,087
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 3,346,497 31,072 SH SOLE 0 0 31,072
ISHARES GOLD TR ISHARES NEW 464285204 311,363 4,993 SH SOLE 0 0 4,993
ISHARES TR RUS 1000 VAL ETF 464287598 11,696,625 60,220 SH SOLE 0 0 60,220
ISHARES TR RUS 1000 GRW ETF 464287614 13,393,743 31,546 SH SOLE 0 0 31,546
ISHARES TR CORE HIGH DV ETF 46429B663 948,725 8,097 SH SOLE 0 0 8,097
ISHARES TR MSCI USA MIN VOL 46429B697 783,251 8,344 SH SOLE 0 0 8,344
JPMORGAN CHASE & CO. COM 46625H100 623,724 2,151 SH SOLE 0 0 2,151
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 237,836 3,361 SH SOLE 0 0 3,361
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 257,415 5,186 SH SOLE 0 0 5,186
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 639,657 12,562 SH SOLE 0 0 12,562
JOHNSON & JOHNSON COM 478160104 379,126 2,482 SH SOLE 0 0 2,482
KLA CORP COM NEW 482480100 224,831 251 SH SOLE 0 0 251
KKR & CO INC COM 48251W104 599,167 4,504 SH SOLE 0 0 4,504
KENVUE INC COM 49177J102 293,460 14,021 SH SOLE 0 0 14,021
LPL FINL HLDGS INC COM 50212V100 250,105 667 SH SOLE 0 0 667
LANDSTAR SYS INC COM 515098101 229,244 1,649 SH SOLE 0 0 1,649
LENNOX INTL INC COM 526107107 278,595 486 SH SOLE 0 0 486
ELI LILLY & CO COM 532457108 280,635 360 SH SOLE 0 0 360
MARKEL GROUP INC COM 570535104 297,607 149 SH SOLE 0 0 149
MARSH & MCLENNAN COS INC COM 571748102 286,651 1,311 SH SOLE 0 0 1,311
MASTERCARD INCORPORATED CL A 57636Q104 1,049,182 1,867 SH SOLE 0 0 1,867
MCKESSON CORP COM 58155Q103 299,707 409 SH SOLE 0 0 409
MICROSOFT CORP COM 594918104 3,198,993 6,431 SH SOLE 0 0 6,431
MORGAN STANLEY COM NEW 617446448 278,208 1,975 SH SOLE 0 0 1,975
MORNINGSTAR INC COM 617700109 237,959 758 SH SOLE 0 0 758
NASDAQ INC COM 631103108 214,787 2,402 SH SOLE 0 0 2,402
NATIONAL GRID PLC SPONSORED ADR NE 636274409 356,796 4,795 SH SOLE 0 0 4,795
NETFLIX INC COM 64110L106 728,487 544 SH SOLE 0 0 544
NOVO-NORDISK A S ADR 670100205 203,609 2,950 SH SOLE 0 0 2,950
NVIDIA CORPORATION COM 67066G104 2,506,830 15,867 SH SOLE 0 0 15,867
OREILLY AUTOMOTIVE INC COM 67103H107 281,206 3,120 SH SOLE 0 0 3,120
PGIM ETF TR PGIM ULTRA SH BD 69344A107 2,285,450 45,929 SH SOLE 0 0 45,929
PGIM ETF TR TOTAL RETURN BON 69344A800 8,387,752 200,520 SH SOLE 0 0 200,520
PNC FINL SVCS GROUP INC COM 693475105 374,785 2,010 SH SOLE 0 0 2,010
PEPSICO INC COM 713448108 291,016 2,204 SH SOLE 0 0 2,204
PFIZER INC COM 717081103 364,836 15,051 SH SOLE 0 0 15,051
PHILIP MORRIS INTL INC COM 718172109 714,171 3,921 SH SOLE 0 0 3,921
PIMCO ETF TR INTER MUN BD ACT 72201R866 5,057,606 98,474 SH SOLE 0 0 98,474
PROGRESSIVE CORP COM 743315103 341,332 1,279 SH SOLE 0 0 1,279
PROLOGIS INC. COM 74340W103 331,548 3,154 SH SOLE 0 0 3,154
RTX CORPORATION COM 75513E101 360,741 2,470 SH SOLE 0 0 2,470
REALTY INCOME CORP COM 756109104 201,001 3,489 SH SOLE 0 0 3,489
SEI INVTS CO COM 784117103 200,837 2,235 SH SOLE 0 0 2,235
SPDR GOLD TR GOLD SHS 78463V107 8,587,061 28,170 SH SOLE 0 0 28,170
SPDR SERIES TRUST S&P DIVID ETF 78464A763 520,583 3,835 SH SOLE 0 0 3,835
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 3,204,313 109,400 SH SOLE 0 0 109,400
SPDR SERIES TRUST BLOOMBERG INVT 78468R200 227,894 7,392 SH SOLE 0 0 7,392
SANOFI SPONSORED ADR 80105N105 315,561 6,532 SH SOLE 0 0 6,532
SAP SE SPON ADR 803054204 246,017 809 SH SOLE 0 0 809
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,513,128 249,463 SH SOLE 0 0 249,463
SERVICENOW INC COM 81762P102 313,564 305 SH SOLE 0 0 305
SIMPSON MFG INC COM 829073105 232,965 1,500 SH SOLE 0 0 1,500
SOUTHERN CO COM 842587107 321,221 3,498 SH SOLE 0 0 3,498
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 491,079 2,168 SH SOLE 0 0 2,168
TEXAS INSTRS INC COM 882508104 232,127 1,118 SH SOLE 0 0 1,118
TOTALENERGIES SE SPONSORED ADS 89151E109 400,999 6,532 SH SOLE 0 0 6,532
TRANSUNION COM 89400J107 246,664 2,803 SH SOLE 0 0 2,803
TRIMBLE INC COM 896239100 288,648 3,799 SH SOLE 0 0 3,799
TRUIST FINL CORP COM 89832Q109 262,153 6,098 SH SOLE 0 0 6,098
US BANCORP DEL COM NEW 902973304 330,189 7,297 SH SOLE 0 0 7,297
UNION PAC CORP COM 907818108 212,404 923 SH SOLE 0 0 923
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,440,705 31,469 SH SOLE 0 0 31,469
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,750,754 68,762 SH SOLE 0 0 68,762
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 2,696,345 26,715 SH SOLE 0 0 26,715
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,774,386 74,662 SH SOLE 0 0 74,662
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 216,091 2,746 SH SOLE 0 0 2,746
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 728,790 9,898 SH SOLE 0 0 9,898
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 619,418 10,865 SH SOLE 0 0 10,865
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 284,883 2,137 SH SOLE 0 0 2,137
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,234,240 45,127 SH SOLE 0 0 45,127
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 230,265 4,656 SH SOLE 0 0 4,656
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 2,645,136 10,651 SH SOLE 0 0 10,651
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 202,321 3,442 SH SOLE 0 0 3,442
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 3,586,115 59,958 SH SOLE 0 0 59,958
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 804,447 8,162 SH SOLE 0 0 8,162
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,704,099 136,735 SH SOLE 0 0 136,735
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,905,188 29,826 SH SOLE 0 0 29,826
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 6,016,654 21,156 SH SOLE 0 0 21,156
VANGUARD INDEX FDS SML CP GRW ETF 922908595 549,339 1,984 SH SOLE 0 0 1,984
VANGUARD INDEX FDS MID CAP ETF 922908629 332,998 1,190 SH SOLE 0 0 1,190
VANGUARD INDEX FDS GROWTH ETF 922908736 565,644 1,290 SH SOLE 0 0 1,290
VANGUARD INDEX FDS VALUE ETF 922908744 414,112 2,343 SH SOLE 0 0 2,343
VERIZON COMMUNICATIONS INC COM 92343V104 269,615 6,231 SH SOLE 0 0 6,231
VERISK ANALYTICS INC COM 92345Y106 242,036 777 SH SOLE 0 0 777
VISA INC COM CL A 92826C839 576,975 1,625 SH SOLE 0 0 1,625
WELLS FARGO CO NEW COM 949746101 377,766 4,715 SH SOLE 0 0 4,715
XCEL ENERGY INC COM 98389B100 229,020 3,363 SH SOLE 0 0 3,363
AON PLC SHS CL A G0403H108 210,132 589 SH SOLE 0 0 589
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 249,327 834 SH SOLE 0 0 834
EATON CORP PLC SHS G29183103 419,820 1,176 SH SOLE 0 0 1,176
LINDE PLC SHS G54950103 274,031 584 SH SOLE 0 0 584
MEDTRONIC PLC SHS G5960L103 285,595 3,276 SH SOLE 0 0 3,276
TRANE TECHNOLOGIES PLC SHS G8994E103 241,013 551 SH SOLE 0 0 551
CHUBB LIMITED COM H1467J104 277,285 957 SH SOLE 0 0 957
SPOTIFY TECHNOLOGY S A SHS L8681T102 628,451 819 SH SOLE 0 0 819
ASML HOLDING N V N Y REGISTRY SHS N07059210 412,725 515 SH SOLE 0 0 515