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
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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
ALPHABET INC CAP STK CL A 02079K305 367,260 2,084 SH SOLE 2,084 0 0
AMAZON COM INC COM 023135106 372,085 1,696 SH SOLE 1,696 0 0
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839 332,076 17,646 SH SOLE 17,646 0 0
APPLE INC COM 037833100 1,767,040 8,612 SH SOLE 8,612 0 0
BANK AMERICA CORP COM 060505104 595,788 12,590 SH SOLE 12,590 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 489,389 1,007 SH SOLE 1,007 0 0
BROADCOM INC COM 11135F101 1,068,618 3,877 SH SOLE 3,877 0 0
COSTCO WHSL CORP NEW COM 22160K105 402,052 406 SH SOLE 406 0 0
FIDELITY WISE ORIGIN BITCOIN SHS 315948109 571,384 6,079 SH SOLE 6,079 0 0
GOLDMAN SACHS PHYSICAL GOLD UNIT 38150K103 1,299,092 39,752 SH SOLE 39,752 0 0
HYPERFINE INC COM CL A 44916K106 7,607 10,571 SH SOLE 10,571 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 209,001 1,150 SH SOLE 1,150 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 986,521 1,788 SH SOLE 1,788 0 0
ISHARES GOLD TR ISHARES NEW 464285204 288,240 4,622 SH SOLE 4,622 0 0
ISHARES INC CORE MSCI EMKT 46434G103 7,605,025 126,688 SH SOLE 126,688 0 0
ISHARES TR EAFE GRWTH ETF 464288885 410,256 3,663 SH SOLE 3,663 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 470,215 3,558 SH SOLE 3,558 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,000,188 3,497 SH SOLE 3,497 0 0
ISHARES TR IBONDS DEC 2035 46438G372 216,305 8,439 SH SOLE 8,439 0 0
ISHARES TR S&P MC 400GR ETF 464287606 5,682,255 62,455 SH SOLE 62,455 0 0
ISHARES TR CORE MSCI EAFE 46432F842 19,366,458 231,992 SH SOLE 231,992 0 0
ISHARES TR IBONDS DEC 29 46436E205 7,024,310 301,086 SH SOLE 301,086 0 0
ISHARES TR CORE S&P MCP ETF 464287507 14,773,168 238,202 SH SOLE 238,202 0 0
ISHARES TR SELECT DIVID ETF 464287168 3,325,282 25,042 SH SOLE 25,042 0 0
ISHARES TR IBONDS 28 TR HI 46436E387 225,455 9,501 SH SOLE 9,501 0 0
ISHARES TR IBONDS DEC 2031 46436E460 211,705 10,327 SH SOLE 10,327 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 2,826,893 36,566 SH SOLE 36,566 0 0
ISHARES TR S&P 500 VAL ETF 464287408 12,000,135 61,403 SH SOLE 61,403 0 0
ISHARES TR CORE S&P SCP ETF 464287804 14,139,726 129,381 SH SOLE 129,381 0 0
ISHARES TR PFD AND INCM SEC 464288687 837,613 27,300 SH SOLE 27,300 0 0
ISHARES TR IBOND DEC 2030 46436E593 305,357 15,391 SH SOLE 15,391 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 21,788,716 197,901 SH SOLE 197,901 0 0
ISHARES TR U.S. TECH ETF 464287721 211,229 1,219 SH SOLE 1,219 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,380,623 18,996 SH SOLE 18,996 0 0
ISHARES TR CORE DIV GRWTH 46434V621 3,374,917 52,783 SH SOLE 52,783 0 0
ISHARES TR IBONDS DEC 2034 46438G653 5,562,839 212,891 SH SOLE 212,891 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9 4,538,441 186,999 PRN SOLE 186,999 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 4,100,019 9,658 SH SOLE 9,658 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 936,946 21,720 SH SOLE 21,720 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 319,831 1,481 SH SOLE 1,481 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 4,601,558 181,021 SH SOLE 181,021 0 0
ISHARES TR IBONDS DEC 2033 46436E130 6,306,575 243,451 SH SOLE 243,451 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 725,413 4,599 SH SOLE 4,599 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 4,329,113 178,520 PRN SOLE 178,520 0 0
ISHARES TR SP SMCP600VL ETF 464287879 209,996 2,113 SH SOLE 2,113 0 0
ISHARES TR IBONDS DEC 2031 46436E486 6,986,266 332,049 SH SOLE 332,049 0 0
ISHARES TR EXPND TEC SC ETF 464287549 561,231 4,996 SH SOLE 4,996 0 0
ISHARES TR CORE S&P US VLU 464287663 2,741,255 28,967 SH SOLE 28,967 0 0
ISHARES TR US HLTHCARE ETF 464287762 224,684 3,978 SH SOLE 3,978 0 0
ISHARES TR MSCI EAFE ETF 464287465 807,888 9,038 SH SOLE 9,038 0 0
ISHARES TR IBONDS DEC 2032 46436E296 252,501 10,964 SH SOLE 10,964 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 891,137 4,590 SH SOLE 4,590 0 0
ISHARES TR CORE S&P TTL STK 464287150 2,092,657 15,496 SH SOLE 15,496 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 797,368 15,628 SH SOLE 15,628 0 0
ISHARES TR CORE S&P500 ETF 464287200 51,720,587 83,300 SH SOLE 83,300 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 1,065,420 11,350 SH SOLE 11,350 0 0
ISHARES TR RUS MID CAP ETF 464287499 357,636 3,889 SH SOLE 3,889 0 0
ISHARES TR IBONDS DEC 2032 46436E312 7,039,613 278,413 SH SOLE 278,413 0 0
ISHARES TR S&P SML 600 GWT 464287887 4,438,350 33,361 SH SOLE 33,361 0 0
ISHARES TR MSCI ACWI EX US 464288240 288,939 4,742 SH SOLE 4,742 0 0
ISHARES TR S&P MC 400VL ETF 464287705 2,477,090 20,045 SH SOLE 20,045 0 0
ISHARES TR IBONDS DEC 2030 46436E726 7,027,254 319,710 SH SOLE 319,710 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 4,548,996 180,660 PRN SOLE 180,660 0 0
ISHARES TR IBONDS 29 TRM TS 46436E825 211,967 9,670 SH SOLE 9,670 0 0
ISHARES TR U.S. REAL ES ETF 464287739 979,255 10,333 SH SOLE 10,333 0 0
JOHNSON & JOHNSON COM 478160104 200,802 1,315 SH SOLE 1,315 0 0
JPMORGAN CHASE & CO. COM 46625H100 116,236,646 400,939 SH SOLE 400,939 0 0
MICROSOFT CORP COM 594918104 2,132,535 4,287 SH SOLE 4,287 0 0
NVIDIA CORPORATION COM 67066G104 565,118 3,576 SH SOLE 3,576 0 0
PROCTER AND GAMBLE CO COM 742718109 656,811 4,123 SH SOLE 4,123 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 520,295 2,055 SH SOLE 2,055 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 553,318 1,257 SH SOLE 1,257 0 0
SPDR GOLD TR GOLD SHS 78463V107 319,444 1,048 SH SOLE 1,048 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,838,601 11,070 SH SOLE 11,070 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 290,621 514 SH SOLE 514 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 334,708 1,774 SH SOLE 1,774 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 476,695 1,202 SH SOLE 1,202 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,021,716 6,213 SH SOLE 6,213 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 254,477 2,856 SH SOLE 2,856 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,737,090 8,907 SH SOLE 8,907 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 265,692 606 SH SOLE 606 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 769,238 8,820 SH SOLE 8,820 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 548,612 2,681 SH SOLE 2,681 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 349,410 6,129 SH SOLE 6,129 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 1,756,974 9,953 SH SOLE 9,953 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 361,044 545 SH SOLE 545 0 0