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
AIR PRODS & CHEMS INC COM 009158106 267,957 950 SH SOLE 0 0 950
ALPHABET INC CAP STK CL C 02079K107 1,617,849 9,120 SH SOLE 0 0 9,120
ALPHABET INC CAP STK CL A 02079K305 618,567 3,510 SH SOLE 0 0 3,510
AMAZON COM INC COM 023135106 2,461,336 11,219 SH SOLE 0 0 11,219
AMERICAN EXPRESS CO COM 025816109 240,830 755 SH SOLE 0 0 755
AMGEN INC COM 031162100 273,067 978 SH SOLE 0 0 978
APPLE INC COM 037833100 3,859,158 18,810 SH SOLE 0 0 18,810
APPLIED MATLS INC COM 038222105 512,596 2,800 SH SOLE 0 0 2,800
AT&T INC COM 00206R102 209,526 7,240 SH SOLE 0 0 7,240
AUTOMATIC DATA PROCESSING IN COM 053015103 285,270 925 SH SOLE 0 0 925
BANK AMERICA CORP COM 060505104 682,118 14,415 SH SOLE 0 0 14,415
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,172,163 2,413 SH SOLE 0 0 2,413
BLACKROCK INC COM 09290D101 685,410 653 SH SOLE 0 0 653
BOEING CO COM 097023105 302,771 1,445 SH SOLE 0 0 1,445
BRISTOL-MYERS SQUIBB CO COM 110122108 238,394 5,150 SH SOLE 0 0 5,150
CATERPILLAR INC COM 149123101 380,446 980 SH SOLE 0 0 980
CHEVRON CORP NEW COM 166764100 574,809 4,014 SH SOLE 0 0 4,014
CISCO SYS INC COM 17275R102 815,146 11,749 SH SOLE 0 0 11,749
COCA COLA CO COM 191216100 331,818 4,690 SH SOLE 0 0 4,690
DISNEY WALT CO COM 254687106 816,066 6,581 SH SOLE 0 0 6,581
ELI LILLY & CO COM 532457108 343,773 441 SH SOLE 0 0 441
EXXON MOBIL CORP COM 30231G102 667,821 6,195 SH SOLE 0 0 6,195
FEDEX CORP COM 31428X106 366,424 1,612 SH SOLE 0 0 1,612
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 399,955 1,485 SH SOLE 0 0 1,485
GOLDMAN SACHS GROUP INC COM 38141G104 357,414 505 SH SOLE 0 0 505
HOME DEPOT INC COM 437076102 1,491,661 4,068 SH SOLE 0 0 4,068
HONEYWELL INTL INC COM 438516106 748,942 3,216 SH SOLE 0 0 3,216
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 582,658 3,206 SH SOLE 0 0 3,206
INVESCO QQQ TR UNIT SER 1 46090E103 4,075,723 7,388 SH SOLE 0 0 7,388
ISHARES INC CORE MSCI EMKT 46434G103 480,480 8,004 SH SOLE 0 0 8,004
ISHARES TR CORE US AGGBD ET 464287226 208,320 2,100 SH SOLE 0 0 2,100
ISHARES TR CORE S&P SCP ETF 464287804 980,878 8,975 SH SOLE 0 0 8,975
ISHARES TR CORE MSCI EAFE 46432F842 1,027,221 12,305 SH SOLE 0 0 12,305
ISHARES TR 1 3 YR TREAS BD 464287457 4,616,493 55,714 SH SOLE 0 0 55,714
ISHARES TR 0-3 MNTH TREASRY 46436E718 4,127,595 40,993 SH SOLE 0 0 40,993
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 1,346,821 26,575 SH SOLE 0 0 26,575
JOHNSON & JOHNSON COM 478160104 1,031,950 6,756 SH SOLE 0 0 6,756
JPMORGAN CHASE & CO. COM 46625H100 2,810,630 9,695 SH SOLE 0 0 9,695
MASTERCARD INCORPORATED CL A 57636Q104 219,719 391 SH SOLE 0 0 391
MCDONALDS CORP COM 580135101 725,458 2,483 SH SOLE 0 0 2,483
MERCK & CO INC COM 58933Y105 475,514 6,007 SH SOLE 0 0 6,007
META PLATFORMS INC CL A 30303M102 987,564 1,338 SH SOLE 0 0 1,338
MICROSOFT CORP COM 594918104 3,788,027 7,616 SH SOLE 0 0 7,616
NVIDIA CORPORATION COM 67066G104 921,872 5,835 SH SOLE 0 0 5,835
PEPSICO INC COM 713448108 550,739 4,171 SH SOLE 0 0 4,171
PFIZER INC COM 717081103 295,292 12,182 SH SOLE 0 0 12,182
PROCTER AND GAMBLE CO COM 742718109 989,855 6,213 SH SOLE 0 0 6,213
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 474,775 5,640 SH SOLE 0 0 5,640
RTX CORPORATION COM 75513E101 513,260 3,515 SH SOLE 0 0 3,515
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,746,245 14,794 SH SOLE 0 0 14,794
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 929,526 10,586 SH SOLE 0 0 10,586
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 935,170 11,452 SH SOLE 0 0 11,452
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,673,672 19,836 SH SOLE 0 0 19,836
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,066,857 13,176 SH SOLE 0 0 13,176
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 3,766,917 17,333 SH SOLE 0 0 17,333
SELECT SECTOR SPDR TR INDL 81369Y704 2,145,137 14,541 SH SOLE 0 0 14,541
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 2,788,472 53,246 SH SOLE 0 0 53,246
SELECT SECTOR SPDR TR ENERGY 81369Y506 893,224 10,532 SH SOLE 0 0 10,532
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 2,054,084 18,926 SH SOLE 0 0 18,926
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 286,992 651 SH SOLE 0 0 651
SPDR S&P 500 ETF TR TR UNIT 78462F103 19,637,806 31,784 SH SOLE 0 0 31,784
UNION PAC CORP COM 907818108 391,136 1,700 SH SOLE 0 0 1,700
UNITED PARCEL SERVICE INC CL B 911312106 232,364 2,302 SH SOLE 0 0 2,302
UNITEDHEALTH GROUP INC COM 91324P102 375,300 1,203 SH SOLE 0 0 1,203
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 770,267 2,762 SH SOLE 0 0 2,762
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,138,613 29,045 SH SOLE 0 0 29,045
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,927,229 75,314 SH SOLE 0 0 75,314
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,084,722 65,745 SH SOLE 0 0 65,745
VANGUARD INDEX FDS MID CAP ETF 922908629 303,056 1,083 SH SOLE 0 0 1,083
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 764,423 11,372 SH SOLE 0 0 11,372
VANGUARD WORLD FD INF TECH ETF 92204A702 4,048,232 6,103 SH SOLE 0 0 6,103
VANGUARD WORLD FD COMM SRVC ETF 92204A884 642,156 3,755 SH SOLE 0 0 3,755
VERIZON COMMUNICATIONS INC COM 92343V104 576,726 13,329 SH SOLE 0 0 13,329
VISA INC COM CL A 92826C839 1,441,148 4,059 SH SOLE 0 0 4,059
WALMART INC COM 931142103 748,017 7,650 SH SOLE 0 0 7,650