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
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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
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 287,459 4,495 SH SOLE 4,495 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 787,913 3,995 SH SOLE 3,995 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 884,871 40,039 SH SOLE 40,039 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 202,409 4,753 SH SOLE 4,753 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,349,867 58,084 SH SOLE 58,084 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 265,158 732 SH SOLE 732 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 307,348 2,414 SH SOLE 2,414 0 0
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 209,071 746 SH SOLE 746 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 767,519 2,771 SH SOLE 2,771 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,200,133 6,154 SH SOLE 6,154 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,035,175 13,277 SH SOLE 13,277 0 0
ISHARES TR CORE S&P MCP ETF 464287507 953,025 15,366 SH SOLE 15,366 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 506,884 1,194 SH SOLE 1,194 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 308,049 1,586 SH SOLE 1,586 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,755,639 103,986 SH SOLE 103,986 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 1,097,579 21,083 SH SOLE 21,083 0 0
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724 2,580,697 41,238 SH SOLE 41,238 0 0
ISHARES TR CORE S&P500 ETF 464287200 18,238,032 29,374 SH SOLE 29,374 0 0
ISHARES TR IBOXX INV CP ETF 464287242 2,001,055 18,256 SH SOLE 18,256 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,962,644 33,143 SH SOLE 33,143 0 0
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 2,550,811 54,203 SH SOLE 54,203 0 0
SPDR GOLD TR GOLD SHS 78463V107 2,993,735 9,821 SH SOLE 9,821 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,271,955 14,282 SH SOLE 14,282 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,884,911 12,174 SH SOLE 12,174 0 0
BANK AMERICA CORP 7.25%CNV PFD L 060505682 1,255,698 1,035 SH SOLE 1,035 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 897,389 45,973 SH SOLE 45,973 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,050,822 9,615 SH SOLE 9,615 0 0
ISHARES TR INVT GRD CORP BD 46436E288 390,816 15,314 SH SOLE 15,314 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 1,568,939 27,598 SH SOLE 27,598 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 512,301 2,899 SH SOLE 2,899 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804 767,740 654 SH SOLE 654 0 0
BLACKSTONE INC COM 09260D107 856,540 5,726 SH SOLE 5,726 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 1,029,866 52,410 SH SOLE 52,410 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 788,700 38,492 SH SOLE 38,492 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 584,911 31,279 SH SOLE 31,279 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 966,542 57,601 SH SOLE 57,601 0 0
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 598,634 9,780 SH SOLE 9,780 0 0
JPMORGAN CHASE & CO. COM 46625H100 723,402 2,495 SH SOLE 2,495 0 0
META PLATFORMS INC CL A 30303M102 1,292,089 1,751 SH SOLE 1,751 0 0
MICROSOFT CORP COM 594918104 2,077,084 4,176 SH SOLE 4,176 0 0
NVIDIA CORPORATION COM 67066G104 1,983,851 12,557 SH SOLE 12,557 0 0
PACER FDS TR US CASH COWS 100 69374H881 536,265 9,733 SH SOLE 9,733 0 0
PROLOGIS INC. COM 74340W103 389,049 3,701 SH SOLE 3,701 0 0
STRYKER CORPORATION COM 863667101 750,825 1,898 SH SOLE 1,898 0 0
T-MOBILE US INC COM 872590104 618,876 2,597 SH SOLE 2,597 0 0
TJX COS INC NEW COM 872540109 290,143 2,350 SH SOLE 2,350 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 398,440 8,056 SH SOLE 8,056 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,410,995 5,042 SH SOLE 5,042 0 0
VISA INC COM CL A 92826C839 1,501,636 4,229 SH SOLE 4,229 0 0
WALMART INC COM 931142103 1,599,056 16,354 SH SOLE 16,354 0 0
DELL TECHNOLOGIES INC CL C 24703L202 303,067 2,472 SH SOLE 2,472 0 0
EXXON MOBIL CORP COM 30231G102 477,362 4,428 SH SOLE 4,428 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 395,117 9,142 SH SOLE 9,142 0 0
ISHARES TR S&P 500 VAL ETF 464287408 464,123 2,375 SH SOLE 2,375 0 0
RTX CORPORATION COM 75513E101 541,375 3,708 SH SOLE 3,708 0 0
AMAZON COM INC COM 023135106 1,754,462 7,997 SH SOLE 7,997 0 0
CHEVRON CORP NEW COM 166764100 346,797 2,422 SH SOLE 2,422 0 0
HONEYWELL INTL INC COM 438516106 438,556 1,883 SH SOLE 1,883 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 757,136 36,612 SH SOLE 36,612 0 0
HOME DEPOT INC COM 437076102 962,001 2,624 SH SOLE 2,624 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,031,134 14,004 SH SOLE 14,004 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429 627,690 37,973 SH SOLE 37,973 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHS 2032 46139W858 603,236 29,283 SH SOLE 29,283 0 0
INVESCO EXCH TRD SLF IDX FD INVESCO BULLETSH 46139W825 270,439 12,757 SH SOLE 12,757 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 623,484 15,398 SH SOLE 15,398 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,066,674 15,503 SH SOLE 15,503 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,778,890 3,662 SH SOLE 3,662 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,424,507 27,000 SH SOLE 27,000 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 129,932 11,674 SH SOLE 11,674 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,141,109 6,279 SH SOLE 6,279 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 958,348 17,617 SH SOLE 17,617 0 0
ISHARES TR 20+ YEAR TR BD 46436E338 268,958 11,603 SH SOLE 11,603 0 0
ISHARES TR PFD AND INCM SEC 464288687 556,958 18,154 SH SOLE 18,154 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 403,380 7,702 SH SOLE 7,702 0 0
ISHARES TR US AER DEF ETF 464288760 388,697 2,061 SH SOLE 2,061 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 220,785 8,727 SH SOLE 8,727 0 0
VANECK ETF TRUST MORNINGSTAR SMID 92189H730 778,418 22,368 SH SOLE 22,368 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 368,677 12,622 SH SOLE 12,622 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,288,424 15,434 SH SOLE 15,434 0 0
ISHARES INC CORE MSCI EMKT 46434G103 990,472 16,500 SH SOLE 16,500 0 0
ISHARES TR CORE S&P US GWT 464287671 1,220,653 8,116 SH SOLE 8,116 0 0
ISHARES TR CORE S&P US VLU 464287663 666,698 7,045 SH SOLE 7,045 0 0
ISHARES TR GLB INFRASTR ETF 464288372 281,564 4,756 SH SOLE 4,756 0 0
ISHARES TR MBS ETF 464288588 1,817,961 19,363 SH SOLE 19,363 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 979,771 5,359 SH SOLE 5,359 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,214,912 5,630 SH SOLE 5,630 0 0
ISHARES TR US TREAS BD ETF 46429B267 2,519,279 109,629 SH SOLE 109,629 0 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 986,950 29,391 SH SOLE 29,391 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 233,800 2,931 SH SOLE 2,931 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,111,582 13,405 SH SOLE 13,405 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 514,986 6,044 SH SOLE 6,044 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 423,726 8,429 SH SOLE 8,429 0 0
ALPHABET INC CAP STK CL C 02079K107 244,839 1,380 SH SOLE 1,380 0 0
APPLE INC COM 037833100 553,953 2,700 SH SOLE 2,700 0 0
BROADCOM INC COM 11135F101 1,051,681 3,815 SH SOLE 3,815 0 0
COTERRA ENERGY INC COM 127097103 216,161 8,517 SH SOLE 8,517 0 0
ELI LILLY & CO COM 532457108 227,136 291 SH SOLE 291 0 0
MORGAN STANLEY COM NEW 617446448 209,881 1,490 SH SOLE 1,490 0 0
ROBINHOOD MKTS INC COM CL A 770700102 402,609 4,300 SH SOLE 4,300 0 0
SALESFORCE INC COM 79466L302 233,707 857 SH SOLE 857 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 536,668 22,013 SH SOLE 22,013 0 0
SNAP INC CL A 83304A106 108,625 12,500 SH SOLE 12,500 0 0
SOFI TECHNOLOGIES INC COM 83406F102 424,293 23,300 SH SOLE 23,300 0 0
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 1,054,729 11,498 SH SOLE 11,498 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,679,875 9,193 SH SOLE 9,193 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 568,811 7,155 SH SOLE 7,155 0 0
APOLLO GLOBAL MGMT INC COM 03769M106 307,591 2,168 SH SOLE 2,168 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,922,812 27,831 SH SOLE 27,831 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 529,474 1,208 SH SOLE 1,208 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 551,903 22,245 SH SOLE 22,245 0 0
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 337,155 3,537 SH SOLE 3,537 0 0
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 721,000 13,775 SH SOLE 13,775 0 0
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853 323,388 7,591 SH SOLE 7,591 0 0
ALPHABET INC CAP STK CL A 02079K305 411,761 2,336 SH SOLE 2,336 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,254,510 1,267 SH SOLE 1,267 0 0
J P MORGAN EXCHANGE TRADED F ACTIVE BOND ETF 46654Q716 420,735 7,851 SH SOLE 7,851 0 0
DEVON ENERGY CORP NEW COM 25179M103 235,693 7,409 SH SOLE 7,409 0 0
PFIZER INC COM 717081103 221,796 9,150 SH SOLE 9,150 0 0
PRUDENTIAL FINL INC COM 744320102 331,556 3,086 SH SOLE 3,086 0 0
UNITED PARCEL SERVICE INC CL B 911312106 321,479 3,185 SH SOLE 3,185 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,061,145 13,483 SH SOLE 13,483 0 0
WASTE MGMT INC DEL COM 94106L109 305,940 1,337 SH SOLE 1,337 0 0
ISHARES TR CORE TOTAL USD 46434V613 546,901 11,830 SH SOLE 11,830 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 396,330 6,600 SH SOLE 6,600 0 0
ORACLE CORP COM 68389X105 396,204 1,812 SH SOLE 1,812 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 282,807 2,659 SH SOLE 2,659 0 0
ISHARES SILVER TR ISHARES 46428Q109 278,885 8,500 SH SOLE 8,500 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 881,832 17,400 SH SOLE 17,400 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 415,536 4,900 SH SOLE 4,900 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 818,940 6,076 SH SOLE 6,076 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 226,635 2,775 SH SOLE 2,775 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,963,112 3,559 SH SOLE 3,559 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 236,877 3,524 SH SOLE 3,524 0 0
ISHARES TR ESG MSCI KLD 400 464288570 459,529 3,956 SH SOLE 3,956 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 205,223 8,612 SH SOLE 8,612 0 0
ISHARES TR 20 YR TR BD ETF 464287432 321,537 3,643 SH SOLE 3,643 0 0
MP MATERIALS CORP COM CL A 553368101 226,901 6,820 SH SOLE 6,820 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 359,467 635 SH SOLE 635 0 0
SCHWAB CHARLES CORP COM 808513105 264,759 2,902 SH SOLE 2,902 0 0
PRICE T ROWE GROUP INC COM 74144T108 219,538 2,275 SH SOLE 2,275 0 0
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 722,337 9,937 SH SOLE 9,937 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 494,404 8,672 SH SOLE 8,672 0 0
ISHARES TR CORE S&P TTL STK 464287150 1,439,212 10,658 SH SOLE 10,658 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 380,792 538 SH SOLE 538 0 0
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672 442,972 15,397 SH SOLE 15,397 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 215,342 1,972 SH SOLE 1,972 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 421,635 1,665 SH SOLE 1,665 0 0
NUVEEN MUN VALUE FD INC COM 670928100 86,900 10,000 SH SOLE 10,000 0 0
KROGER CO COM 501044101 333,534 4,650 SH SOLE 4,650 0 0