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
ADOBE INC COM 00724F101 464,012 1,262 SH SOLE 0 0 0 1,262
AIR PRODS & CHEMS INC COM 009158106 389,205 1,325 SH SOLE 0 0 0 1,325
AIRBNB INC COM CL A 009066101 504,784 3,656 SH SOLE 0 0 0 3,656
ALPHABET INC CAP STK CL A 02079K305 1,347,693 7,089 SH SOLE 0 0 0 7,089
AMAZON COM INC COM 023135106 1,391,392 6,068 SH SOLE 0 0 0 6,068
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839 277,095 13,883 SH SOLE 0 0 0 13,883
APOLLO COML REAL EST FIN INC COM 03762U105 322,355 33,233 SH SOLE 0 0 0 33,233
APPLE INC COM 037833100 677,127 3,187 SH SOLE 0 0 0 3,187
APPLIED MATLS INC COM 038222105 584,899 3,037 SH SOLE 0 0 0 3,037
ARBOR REALTY TRUST INC COM 038923108 248,398 22,002 SH SOLE 0 0 0 22,002
AUTODESK INC COM 052769106 472,256 1,600 SH SOLE 0 0 0 1,600
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 243,847 514 SH SOLE 0 0 0 514
BOOKING HOLDINGS INC COM 09857L108 1,108,873 195 SH SOLE 0 0 0 195
CARMAX INC COM 143130102 420,209 6,836 SH SOLE 0 0 0 6,836
CENCORA INC COM 03073E105 394,685 1,349 SH SOLE 0 0 0 1,349
CHECK POINT SOFTWARE TECH LT ORD M22465104 441,940 1,985 SH SOLE 0 0 0 1,985
CHEVRON CORP NEW COM 166764100 235,082 1,571 SH SOLE 0 0 0 1,571
COINBASE GLOBAL INC COM CL A 19260Q107 496,356 1,200 SH SOLE 0 0 0 1,200
COSTCO WHSL CORP NEW COM 22160K105 406,144 429 SH SOLE 0 0 0 429
DIAGEO PLC SPON ADR NEW 25243Q205 487,426 4,767 SH SOLE 0 0 0 4,767
DISNEY WALT CO COM 254687106 748,966 6,198 SH SOLE 0 0 0 6,198
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107 232,432 67,963 SH SOLE 0 0 0 67,963
ECOLAB INC COM 278865100 259,519 968 SH SOLE 0 0 0 968
ELEVANCE HEALTH INC COM 036752103 520,668 1,883 SH SOLE 0 0 0 1,883
FISERV INC COM 337738108 324,136 1,959 SH SOLE 0 0 0 1,959
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 3,728,727 87,324 SH SOLE 0 0 0 87,324
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 1,652,994 79,778 SH SOLE 0 0 0 79,778
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 1,535,930 12,270 SH SOLE 0 0 0 12,270
INVESCO QQQ TR UNIT SER 1 46090E103 318,776 565 SH SOLE 0 0 0 565
IQVIA HLDGS INC COM 46266C105 850,277 5,349 SH SOLE 0 0 0 5,349
ISHARES TR FUTURE AI & TECH 46435U556 1,207,873 28,568 SH SOLE 0 0 0 28,568
ISHARES TR SELF DRIVNG EV 46435U366 1,095,099 32,505 SH SOLE 0 0 0 32,505
ISHARES TR CORE S&P500 ETF 464287200 665,716 1,054 SH SOLE 0 0 0 1,054
ISHARES TR RUS 1000 ETF 464287622 3,489,121 10,100 SH SOLE 0 0 0 10,100
ISHARES TR DOW JONES US ETF 464287846 348,195 2,270 SH SOLE 0 0 0 2,270
ISHARES TR ISHS 1-5YR INVS 464288646 2,181,935 41,450 SH SOLE 0 0 0 41,450
ISHARES TR US HOME CONS ETF 464288752 1,060,367 11,184 SH SOLE 0 0 0 11,184
ISHARES TR ISHS 5-10YR INVT 464288638 5,779,657 108,988 SH SOLE 0 0 0 108,988
ISHARES TR RESIDENTIAL MULT 464288562 1,199,204 14,398 SH SOLE 0 0 0 14,398
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,774,164 17,220 SH SOLE 0 0 0 17,220
ISHARES TR TIPS BD ETF 464287176 7,974,412 72,508 SH SOLE 0 0 0 72,508
MASTERCARD INCORPORATED CL A 57636Q104 721,665 1,301 SH SOLE 0 0 0 1,301
META PLATFORMS INC CL A 30303M102 1,152,929 1,617 SH SOLE 0 0 0 1,617
MICROSOFT CORP COM 594918104 1,506,453 2,953 SH SOLE 0 0 0 2,953
OFFICE PPTYS INCOME TR COM SHS BEN INT 67623C109 4,583 18,668 SH SOLE 0 0 0 18,668
PACER FDS TR DATA AND INFRAST 69374H741 1,266,216 38,335 SH SOLE 0 0 0 38,335
QUALCOMM INC COM 747525103 443,562 2,790 SH SOLE 0 0 0 2,790
READY CAPITAL CORP COM 75574U101 73,650 17,453 SH SOLE 0 0 0 17,453
RIGETTI COMPUTING INC COMMON STOCK 76655K103 381,096 23,700 SH SOLE 0 0 0 23,700
SALESFORCE INC COM 79466L302 489,618 1,867 SH SOLE 0 0 0 1,867
SCHWAB CHARLES CORP COM 808513105 1,110,379 11,536 SH SOLE 0 0 0 11,536
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 4,444,399 52,897 SH SOLE 0 0 0 52,897
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 4,955,170 54,645 SH SOLE 0 0 0 54,645
SELECT SECTOR SPDR TR ENERGY 81369Y506 4,560,547 53,609 SH SOLE 0 0 0 53,609
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,565,203 29,876 SH SOLE 0 0 0 29,876
SELECT SECTOR SPDR TR INDL 81369Y704 5,955,088 39,527 SH SOLE 0 0 0 39,527
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 4,932,054 18,880 SH SOLE 0 0 0 18,880
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 6,048,914 74,789 SH SOLE 0 0 0 74,789
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 5,104,172 38,936 SH SOLE 0 0 0 38,936
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 3,372,333 15,108 SH SOLE 0 0 0 15,108
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1,166,886 27,783 SH SOLE 0 0 0 27,783
SPDR SERIES TRUST PORTFOLI S&P1500 78464A805 426,207 5,594 SH SOLE 0 0 0 5,594
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,597,285 11,541 SH SOLE 0 0 0 11,541
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359 34,872,008 410,452 SH SOLE 0 0 0 410,452
STARBUCKS CORP COM 855244109 564,983 6,097 SH SOLE 0 0 0 6,097
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,158,661 4,851 SH SOLE 0 0 0 4,851
UNITEDHEALTH GROUP INC COM 91324P102 218,467 774 SH SOLE 0 0 0 774
VANECK ETF TRUST MORTGAGE REIT 92189F452 1,142,703 109,454 SH SOLE 0 0 0 109,454
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,602,519 20,432 SH SOLE 0 0 0 20,432
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 7,440,550 109,019 SH SOLE 0 0 0 109,019
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,179,071 13,056 SH SOLE 0 0 0 13,056
VANGUARD INDEX FDS TOTAL STK MKT 922908769 525,151 1,697 SH SOLE 0 0 0 1,697
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,918,097 38,278 SH SOLE 0 0 0 38,278
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 7,421,656 99,207 SH SOLE 0 0 0 99,207
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 242,679 4,425 SH SOLE 0 0 0 4,425
VANGUARD WORLD FD EXTENDED DUR 921910709 11,719,070 182,739 SH SOLE 0 0 0 182,739
VEEVA SYS INC CL A COM 922475108 316,406 1,126 SH SOLE 0 0 0 1,126
VISA INC COM CL A 92826C839 728,091 2,075 SH SOLE 0 0 0 2,075
WISDOMTREE TR US LARGECAP DIVD 97717W307 6,083,182 73,089 SH SOLE 0 0 0 73,089
WISDOMTREE TR US SMALLCAP DIVD 97717W604 5,570,983 171,838 SH SOLE 0 0 0 171,838
WP CAREY INC COM 92936U109 339,697 5,494 SH SOLE 0 0 0 5,494