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
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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
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 7,144,585 140,310 SH SOLE 0 0 140,310
GOLDMAN SACHS GROUP INC COM 38141G104 325,565 460 SH SOLE 0 0 460
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 1,841,761 43,571 SH SOLE 0 0 43,571
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 679,908 20,473 SH SOLE 0 0 20,473
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 268,290 6,600 SH SOLE 0 0 6,600
ISHARES TR RUS 1000 GRW ETF 464287614 644,512 1,518 SH SOLE 0 0 1,518
EXXON MOBIL CORP COM 30231G102 608,962 5,649 SH SOLE 0 0 5,649
ISHARES TR CORE 80/20 AGGRE 464289859 253,286 3,037 SH SOLE 0 0 3,037
SPDR SERIES TRUST BLOOMBERG EMG MK 78468R515 967,345 39,307 SH SOLE 0 0 39,307
MICROSOFT CORP COM 594918104 365,099 734 SH SOLE 0 0 734
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 256,448 6,494 SH SOLE 0 0 6,494
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 231,705 915 SH SOLE 0 0 915
GLOBE LIFE INC COM 37959E102 279,777 2,251 SH SOLE 0 0 2,251
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,306,130 17,299 SH SOLE 0 0 17,299
CISCO SYS INC COM 17275R102 242,830 3,500 SH SOLE 0 0 3,500
ISHARES TR ESG OPTIMIZED 464288802 366,054 2,888 SH SOLE 0 0 2,888
ANALOG DEVICES INC COM 032654105 302,761 1,272 SH SOLE 0 0 1,272
MORGAN STANLEY COM NEW 617446448 225,376 1,600 SH SOLE 0 0 1,600
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 451,704 4,493 SH SOLE 0 0 4,493
DESTINATION XL GROUP INC COM 25065K104 15,392 13,867 SH SOLE 0 0 13,867
NUSHARES ETF TR NUVEEN ENHNC YLD 67092P102 500,101 23,786 SH SOLE 0 0 23,786
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,130,007 103,720 SH SOLE 0 0 103,720
ISHARES TR CORE S&P500 ETF 464287200 144,269,925 232,356 SH SOLE 0 0 232,356
BROADCOM INC COM 11135F101 647,226 2,348 SH SOLE 0 0 2,348
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 88,180,828 2,177,842 SH SOLE 0 0 2,177,842
T ROWE PRICE ETF INC FLOATING RATE 87283Q883 1,425,125 27,710 SH SOLE 0 0 27,710
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,670,777 136,055 SH SOLE 0 0 136,055
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853 19,019,351 446,464 SH SOLE 0 0 446,464
WISDOMTREE TR YIELD ENHANCD US 97717X511 556,675 12,759 SH SOLE 0 0 12,759
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 463,743 11,383 SH SOLE 0 0 11,383
WISDOMTREE TR US SMALLCAP DIVD 97717W604 436,922 13,757 SH SOLE 0 0 13,757
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 27,666,022 301,603 SH SOLE 0 0 301,603
SPDR SERIES TRUST BLOOMBERG 1 10 Y 78468R861 1,233,458 64,444 SH SOLE 0 0 64,444
ISHARES TR NEW YORK MUN ETF 464288323 532,558 10,214 SH SOLE 0 0 10,214
CAPITAL GROUP CORE BALANCED SHS 14021D107 343,462 10,271 SH SOLE 0 0 10,271
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,723,960 28,374 SH SOLE 0 0 28,374
SPDR SERIES TRUST BLOOMBERG EMERGI 78464A391 957,736 44,754 SH SOLE 0 0 44,754
AMAZON COM INC COM 023135106 606,394 2,764 SH SOLE 0 0 2,764
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 946,529 14,484 SH SOLE 0 0 14,484
ISHARES TR CORE S&P SCP ETF 464287804 5,514,336 50,456 SH SOLE 0 0 50,456
WISDOMTREE TR INTL EQUITY FD 97717W703 307,821 4,843 SH SOLE 0 0 4,843
NVIDIA CORPORATION COM 67066G104 2,372,694 15,018 SH SOLE 0 0 15,018
COLGATE PALMOLIVE CO COM 194162103 234,158 2,576 SH SOLE 0 0 2,576
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104 375,264 11,738 SH SOLE 0 0 11,738
ISHARES TR MSCI ACWI ETF 464288257 287,164 2,233 SH SOLE 0 0 2,233
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,315,347 35,742 SH SOLE 0 0 35,742
PALO ALTO NETWORKS INC COM 697435105 320,876 1,568 SH SOLE 0 0 1,568
VANGUARD INDEX FDS GROWTH ETF 922908736 627,350 1,431 SH SOLE 0 0 1,431
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,132,755 14,140 SH SOLE 0 0 14,140
TEXAS INSTRS INC COM 882508104 404,029 1,946 SH SOLE 0 0 1,946
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 19,693,630 490,991 SH SOLE 0 0 490,991
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 267,091 2,999 SH SOLE 0 0 2,999
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 260,509 5,229 SH SOLE 0 0 5,229
VANGUARD INDEX FDS VALUE ETF 922908744 346,410 1,960 SH SOLE 0 0 1,960
GE VERNOVA INC COM 36828A101 431,786 816 SH SOLE 0 0 816
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E743 226,752 3,949 SH SOLE 0 0 3,949
VANGUARD INDEX FDS SML CP GRW ETF 922908595 693,458 2,504 SH SOLE 0 0 2,504
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 959,532 3,374 SH SOLE 0 0 3,374
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 1,324,664 37,325 SH SOLE 0 0 37,325
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 1,777,569 59,570 SH SOLE 0 0 59,570
ISHARES TR SHRT NAT MUN ETF 464288158 4,938,642 46,442 SH SOLE 0 0 46,442
JPMORGAN CHASE & CO. COM 46625H100 632,294 2,181 SH SOLE 0 0 2,181
JOHNSON & JOHNSON COM 478160104 345,979 2,265 SH SOLE 0 0 2,265
WISDOMTREE TR EMER MKT HIGH FD 97717W315 419,974 9,273 SH SOLE 0 0 9,273
J P MORGAN EXCHANGE TRADED F SUSTAINABLE MUNI 46654Q815 558,446 11,300 SH SOLE 0 0 11,300
GE AEROSPACE COM NEW 369604301 865,860 3,364 SH SOLE 0 0 3,364
BANK AMERICA CORP COM 060505104 270,765 5,722 SH SOLE 0 0 5,722
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 1,306,782 48,706 SH SOLE 0 0 48,706
ISHARES INC CORE MSCI EMKT 46434G103 545,132 9,081 SH SOLE 0 0 9,081
PEPSICO INC COM 713448108 1,239,360 9,386 SH SOLE 0 0 9,386
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,362,925 6,989 SH SOLE 0 0 6,989
PROCTER AND GAMBLE CO COM 742718109 485,129 3,045 SH SOLE 0 0 3,045
ISHARES TR 0-5YR HI YL CP 46434V407 661,552 15,335 SH SOLE 0 0 15,335
ISHARES TR RUS 1000 VAL ETF 464287598 451,585 2,325 SH SOLE 0 0 2,325
ISHARES TR RUS 2000 VAL ETF 464287630 261,408 1,657 SH SOLE 0 0 1,657
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 36,683,788 858,301 SH SOLE 0 0 858,301
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 11,222,142 154,384 SH SOLE 0 0 154,384
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 7,282,663 127,744 SH SOLE 0 0 127,744
ISHARES TR NATIONAL MUN ETF 464288414 17,768,828 170,069 SH SOLE 0 0 170,069
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 35,495,169 1,386,530 SH SOLE 0 0 1,386,530
CAPITAL GROUP NEW GEOGRAPHY SHS 14021N105 1,645,656 57,121 SH SOLE 0 0 57,121
ISHARES TR RUS 1000 ETF 464287622 2,508,404 7,387 SH SOLE 0 0 7,387
PIMCO ETF TR INTER MUN BD ACT 72201R866 298,248 5,807 SH SOLE 0 0 5,807
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 597,648 3,634 SH SOLE 0 0 3,634
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 1,427,306 109,456 SH SOLE 0 0 109,456
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 274,927 484 SH SOLE 0 0 484
APPLE INC COM 037833100 1,231,812 6,004 SH SOLE 0 0 6,004
AT&T INC COM 00206R102 238,581 8,244 SH SOLE 0 0 8,244
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 216,740 2,754 SH SOLE 0 0 2,754
TRANE TECHNOLOGIES PLC SHS G8994E103 664,863 1,520 SH SOLE 0 0 1,520
ISHARES TR CORE MSCI EAFE 46432F842 1,139,335 13,648 SH SOLE 0 0 13,648
ISHARES TR 0-3 MNTH TREASRY 46436E718 2,451,069 24,343 SH SOLE 0 0 24,343