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
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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
Pepsico Inc COM 713448108 201,625 1,527 SH SOLE 0 0 1,527
Walt Disney Co COM 254687106 203,004 1,637 SH SOLE 0 0 1,637
Ishares Ibonds December 2026 Municipal Etf ETF 46435U259 204,576 8,000 SH SOLE 0 0 8,000
American Express Co COM 025816109 207,975 652 SH SOLE 0 0 652
Walmart Inc COM 931142103 227,045 2,322 SH SOLE 0 0 2,322
Ishares Msci Usa Value Factor Etf ETF 46432F388 227,552 2,010 SH SOLE 0 0 2,010
Raymond James Financial Inc COM 754730109 238,936 1,563 SH SOLE 0 0 1,563
Coca-cola Company COM 191216100 240,550 3,400 SH SOLE 0 0 3,400
Energy Select Sector Spdr Etf ETF 81369Y506 248,917 2,935 SH SOLE 0 0 2,935
Spdr Portfolio S&p 500 Value Etf ETF 78464A508 255,684 4,885 SH SOLE 0 0 4,885
Eaton Corp Plc COM G29183103 259,175 726 SH SOLE 0 0 726
Spdr Doubleline Total Return Tactical Etf ETF 78467V848 260,861 6,531 SH SOLE 0 0 6,531
Ishares Iboxx $ High Yield Corporate Bond Etf ETF 464288513 261,000 3,251 SH SOLE 0 0 3,251
Goldman Sachs Nasdaq 100 Premium Income Etf ETF 38149W630 266,724 5,402 SH SOLE 0 0 5,402
Thermo Fisher Scientific Inc COM 883556102 287,090 708 SH SOLE 0 0 708
Procter & Gamble Co COM 742718109 287,254 1,803 SH SOLE 0 0 1,803
Ge Vernova LLC COM 36828A101 291,033 550 SH SOLE 0 0 550
Amazon.com Inc COM 023135106 304,294 1,387 SH SOLE 0 0 1,387
Spdr Gold Minishares Etf ETF 98149E303 315,282 4,812 SH SOLE 0 0 4,812
Vanguard Total Intl Stock Index Etf ETF 921909768 324,584 4,698 SH SOLE 0 0 4,698
Ishares Russell 3000 Etf ETF 464287689 354,191 1,009 SH SOLE 0 0 1,009
Verizon Communications Inc COM 92343V104 361,600 8,357 SH SOLE 0 0 8,357
Nextera Energy Inc COM 65339F101 376,831 5,428 SH SOLE 0 0 5,428
Rtx Corp COM 75513E101 377,229 2,583 SH SOLE 0 0 2,583
Alphabet Inc Cl C COM 02079K107 377,841 2,130 SH SOLE 0 0 2,130
Anheuser Busch Inbev Sa/nv COM 03524A108 377,960 5,500 SH SOLE 0 0 5,500
Vanguard Core Plus Bond Etf ETF 922020755 379,392 4,895 SH SOLE 0 0 4,895
Nvidia Corp COM 67066G104 380,440 2,408 SH SOLE 0 0 2,408
Costco Wholesale Corp COM 22160K105 395,276 399 SH SOLE 0 0 399
Ishares Msci Eafe Etf ETF 464287465 402,802 4,506 SH SOLE 0 0 4,506
Dimensional U S Core Etf ETF 25434V104 418,323 9,875 SH SOLE 0 0 9,875
Spdr Gold Trust Gold Shares ETF 78463V107 419,446 1,376 SH SOLE 0 0 1,376
Spdr Bloomberg 1-3 Month T-bill Etf ETF 78468R663 420,560 4,600 SH SOLE 0 0 4,600
Fidelity Msci Information Tech Index Etf ETF 316092808 434,673 2,204 SH SOLE 0 0 2,204
Financial Select Sector Spdr Etf ETF 81369Y605 438,607 8,375 SH SOLE 0 0 8,375
W P Carey Inc COM 92936U109 448,387 7,188 SH SOLE 0 0 7,188
Vanguard Short Term Tax Exempt Bond Etf ETF 921935870 452,991 4,499 SH SOLE 0 0 4,499
Vanguard S&p 500 Index Etf ETF 922908363 537,048 945 SH SOLE 0 0 945
Home Depot Inc COM 437076102 551,060 1,503 SH SOLE 0 0 1,503
Ishares 0-3 Month Treasury Bond Etf ETF 46436E718 560,095 5,582 SH SOLE 0 0 5,582
First Trust Capital Strength Etf ETF 33733E104 560,246 6,164 SH SOLE 0 0 6,164
Ge Aerospace COM 369604301 568,060 2,207 SH SOLE 0 0 2,207
Fidelity Msci Healthcare Index Etf ETF 316092600 571,713 8,940 SH SOLE 0 0 8,940
Ishares S&p 500 Growth Etf ETF 464287309 572,520 5,200 SH SOLE 0 0 5,200
Ishares Msci Usa Min Volatility Factor Etf ETF 46429B697 594,760 6,336 SH SOLE 0 0 6,336
Avantis U S Mid Cap Equity Etf ETF 025072125 600,124 9,067 SH SOLE 0 0 9,067
Waste Management Inc Del COM 94106L109 614,839 2,687 SH SOLE 0 0 2,687
Spdr Dow Jones Industrial Average Etf ETF 78467X109 630,130 1,430 SH SOLE 0 0 1,430
Merck & Company Inc COM 58933Y105 641,302 8,101 SH SOLE 0 0 8,101
Chevron Corp COM 166764100 670,559 4,683 SH SOLE 0 0 4,683
Ishares Expanded Tech Software Sector Etf ETF 464287515 683,828 6,245 SH SOLE 0 0 6,245
Utilities Select Sector Spdr Etf ETF 81369Y886 691,660 8,470 SH SOLE 0 0 8,470
Meta Platforms Inc Cl A COM 30303M102 692,328 938 SH SOLE 0 0 938
United Parcel Service Inc Cl B COM 911312106 761,753 7,547 SH SOLE 0 0 7,547
Intl Business Machines Corp COM 459200101 765,544 2,597 SH SOLE 0 0 2,597
Broadcom Inc COM 11135F101 773,198 2,805 SH SOLE 0 0 2,805
Mckesson Corp COM 58155Q103 853,689 1,165 SH SOLE 0 0 1,165
Spdr Nyse Technology Etf ETF 78464A102 861,606 3,631 SH SOLE 0 0 3,631
Ishares Global Tech Etf ETF 464287291 911,241 9,868 SH SOLE 0 0 9,868
Technology Select Sector Spdr Etf ETF 81369Y803 1,006,122 3,973 SH SOLE 0 0 3,973
Mcdonalds Corp COM 580135101 1,024,056 3,505 SH SOLE 0 0 3,505
Ishares Core S&p U S Growth Etf ETF 464287671 1,051,522 6,992 SH SOLE 0 0 6,992
Tesla Inc COM 88160R101 1,089,574 3,430 SH SOLE 0 0 3,430
Ishares Msci Usa Quality Factor Etf ETF 46432F339 1,108,005 6,061 SH SOLE 0 0 6,061
Abbott Laboratories COM 002824100 1,109,127 8,155 SH SOLE 0 0 8,155
Jpmorgan Chase & Co COM 46625H100 1,441,143 4,971 SH SOLE 0 0 4,971
Ishares Msci Usa Momentum Factor Etf ETF 46432F396 1,458,021 6,067 SH SOLE 0 0 6,067
Vanguard Growth Etf ETF 922908736 1,470,560 3,354 SH SOLE 0 0 3,354
Ishares S&p 500 Value Etf ETF 464287408 1,601,467 8,195 SH SOLE 0 0 8,195
Berkshire Hathaway Inc Cl B COM 084670702 1,752,163 3,607 SH SOLE 0 0 3,607
Spdr S&p Mid Cap 400 Etf ETF 78467Y107 1,799,880 3,177 SH SOLE 0 0 3,177
Abbvie Inc COM 00287Y109 1,811,122 9,757 SH SOLE 0 0 9,757
Ishares Russell 2000 Etf ETF 464287655 2,012,878 9,328 SH SOLE 0 0 9,328
Caterpillar Inc COM 149123101 2,033,056 5,237 SH SOLE 0 0 5,237
Spdr S&p 500 Etf ETF 78462F103 2,349,754 3,803 SH SOLE 0 0 3,803
Vanguard Total Stock Market Etf ETF 922908769 2,540,192 8,358 SH SOLE 0 0 8,358
Microsoft Corp COM 594918104 3,453,866 6,944 SH SOLE 0 0 6,944
Dimensional National Municipal Bond Etf ETF 25434V849 474,616 10,007 SH SOLE 0 0 10,007
Ishares Russell Mid Cap Growth Etf ETF 464287481 1,393,457 10,048 SH SOLE 0 0 10,048
Ishares Russell 1000 Value Etf ETF 464287598 2,096,356 10,793 SH SOLE 0 0 10,793
Vanguard Dividend Appreciation Index Fund Etf ETF 921908844 2,323,795 11,354 SH SOLE 0 0 11,354
Harbor Intl Compounders Etf ETF 41151J885 334,117 11,415 SH SOLE 0 0 11,415
Pfizer Inc COM 717081103 277,790 11,460 SH SOLE 0 0 11,460
Ishares Russell 1000 Growth Etf ETF 464287614 5,044,046 11,880 SH SOLE 0 0 11,880
Spdr Series Trust S&p Dividend Etf ETF 78464A763 1,668,122 12,290 SH SOLE 0 0 12,290
Exxon Mobil Corp COM 30231G102 1,452,012 13,470 SH SOLE 0 0 13,470
Vanguard High Dividend Yield Etf ETF 921946406 1,845,471 13,843 SH SOLE 0 0 13,843
Spdr Ssga Ultra Short Term Bond Etf ETF 78467V707 567,154 14,001 SH SOLE 0 0 14,001
Ishares Select Dividend Etf ETF 464287168 1,900,957 14,313 SH SOLE 0 0 14,313
Proshares S&p 500 High Income Etf ETF 74347G242 631,801 14,949 SH SOLE 0 0 14,949
T Rowe Price Intl Equity Etf ETF 87283Q834 489,920 15,135 SH SOLE 0 0 15,135
Dimensional U S Equity Market Etf ETF 25434V401 1,133,660 16,915 SH SOLE 0 0 16,915
Ishares Ibonds December 2025 Municipal Etf ETF 46435U432 462,358 17,307 SH SOLE 0 0 17,307
Vanguard Municipal Tax Exempt Bond Index Etf ETF 922907746 850,139 17,387 SH SOLE 0 0 17,387
Ishares Ibonds December 2027 Tresury Etf ETF 46436E841 401,609 17,915 SH SOLE 0 0 17,915
Spdr Portfolio S&p 400 Mid Cap Etf ETF 78464A847 1,097,462 20,181 SH SOLE 0 0 20,181
Spdr S&p Regional Banking Etf ETF 78464A698 1,199,751 20,201 SH SOLE 0 0 20,201
Vanguard Short Term Inflation Protected Sec Etf ETF 922020805 1,021,322 20,490 SH SOLE 0 0 20,490
Dimensional U S Core Equity 2 Etf ETF 25434V708 755,319 21,075 SH SOLE 0 0 21,075
Spdr S&p 600 Small Cap Value Etf ETF 78464A300 1,709,516 21,433 SH SOLE 0 0 21,433
Wisdomtree Europe Hedged Small Cap Equity Etf ETF 97717W869 1,537,427 21,925 SH SOLE 0 0 21,925
Goldman Sachs Equal Weight U S Large Cap Equity Etf ETF 381430438 1,840,734 22,575 SH SOLE 0 0 22,575
Spdr Portfolio S&p 600 Small Cap Etf ETF 78468R853 1,031,008 24,202 SH SOLE 0 0 24,202
Apple Inc COM 037833100 5,032,410 24,528 SH SOLE 0 0 24,528
Dimensional Intl Core Equity Market Etf ETF 25434V203 869,320 25,147 SH SOLE 0 0 25,147
Dimensional U S Marketwide Value Etf ETF 25434V724 1,156,551 27,355 SH SOLE 0 0 27,355
Spdr Doubleline Short Duration Total Return Tactical Etf ETF 78470P200 1,297,760 27,510 SH SOLE 0 0 27,510
Alphatec Holdings Inc COM 02081G201 323,954 29,185 SH SOLE 0 0 29,185
Invesco Nasdaq 100 Etf ETF 46138G649 6,874,882 30,272 SH SOLE 0 0 30,272
Invesco Qqq Etf ETF 46090E103 16,749,187 30,363 SH SOLE 0 0 30,363
Ishares Ibonds December 2026 Corporate Etf ETF 46435GAA0 747,363 30,926 SH SOLE 0 0 30,926
First Trust Short Duration Managed Municipal Etf ETF 33739P830 626,828 31,491 SH SOLE 0 0 31,491
Invesco S&p 500 Equal Weight Etf ETF 46137V357 5,951,806 32,749 SH SOLE 0 0 32,749
Spdr Europe Etf ETF 78463X103 1,642,212 33,888 SH SOLE 0 0 33,888
Proshares S&p 500 Div Aristocrats Etf ETF 74348A467 3,452,152 34,282 SH SOLE 0 0 34,282
Schwab U S Dividend Equity Etf ETF 808524797 936,710 35,348 SH SOLE 0 0 35,348
Goldman Sachs Ultra Short Bond Etf ETF 381430230 1,846,903 36,666 SH SOLE 0 0 36,666
Ishares Ibonds December 2025 Corporate Etf ETF 46434VBD1 997,948 39,772 SH SOLE 0 0 39,772
First Trust Rising Dividend Achievers Etf ETF 33738R506 2,697,786 42,999 SH SOLE 0 0 42,999
Ishares Core S&p Small Cap Etf ETF 464287804 4,726,063 43,243 SH SOLE 0 0 43,243
Vanguard Total Intl Bond Index Etf ETF 92203J407 2,246,161 45,463 SH SOLE 0 0 45,463
Proshares Nasdaq 100 High Income Etf ETF 74347G234 1,986,321 48,768 SH SOLE 0 0 48,768
Dimensional U S Core Equity 1 Etf ETF 25434V625 3,638,207 54,423 SH SOLE 0 0 54,423
Ishares Floating Rate Bond Etf ETF 46429B655 2,780,190 54,712 SH SOLE 0 0 54,712
Ishares Core S&p 500 Etf ETF 464287200 35,133,525 56,585 SH SOLE 0 0 56,585
Ishares Core Msci Eafe Etf ETF 46432F842 4,933,480 59,098 SH SOLE 0 0 59,098
Ishares Core Msci Emerging Markets Etf ETF 46434G103 3,594,951 59,886 SH SOLE 0 0 59,886
Ishares Core U S Aggregate Bond Etf ETF 464287226 6,671,677 67,472 SH SOLE 0 0 67,472
Geltech Solutions Inc COM 368537106 0 85,556 SH SOLE 0 0 85,556
Ishares Core S&p U S Value Etf ETF 464287663 8,609,037 90,976 SH SOLE 0 0 90,976
Goldman Sachs Access Treasury 0-1yr Etf ETF 381430529 9,756,693 97,751 SH SOLE 0 0 97,751
Ishares Core 1-5 Year Usd Bond Etf ETF 46432F859 4,810,832 99,229 SH SOLE 0 0 99,229
Spdr Blackstone High Income Etf ETF 78470P846 2,905,149 102,222 SH SOLE 0 0 102,222
Blackrock Municipal 2030 Target Term Trust COM 09257P105 2,361,217 107,867 SH SOLE 0 0 107,867
Ishares Core Msci Total Intl Stock Etf ETF 46432F834 9,735,130 125,923 SH SOLE 0 0 125,923
Ishares Core S&p Mid Cap Etf ETF 464287507 8,178,890 131,875 SH SOLE 0 0 131,875
Eaton Vance Total Return Return Etf ETF 61774R841 6,720,169 132,118 SH SOLE 0 0 132,118
Janus Henderson Aaa Clo Etf ETF 47103U845 6,932,936 137,212 SH SOLE 0 0 137,212
Ishares Flexible Income Active Etf ETF 092528603 7,874,281 149,693 SH SOLE 0 0 149,693
John Hancock Multifactor Mid Cap Etf ETF 47804J206 10,671,170 174,565 SH SOLE 0 0 174,565
Ishares Ibonds December 2026 Treasury Etf ETF 46436E858 4,451,086 194,779 SH SOLE 0 0 194,779
Jpmorgan Active Bond Etf ETF 46654Q716 10,754,631 201,405 SH SOLE 0 0 201,405
Eaton Vance Floating Rate Etf ETF 61774R833 10,181,852 204,209 SH SOLE 0 0 204,209
Jpmorgan Betabuilders Japan Etf ETF 46641Q217 13,175,110 213,258 SH SOLE 0 0 213,258
Ishares U S Equity Factor Rotation Active Etf ETF 09290C103 13,050,756 239,639 SH SOLE 0 0 239,639
Jpmorgan Nasdaq Equity Premium Income Etf ETF 46654Q203 13,699,093 254,129 SH SOLE 0 0 254,129
Spdr Aggregate Bond Etf ETF 78464A649 7,398,259 289,946 SH SOLE 0 0 289,946
Spdr Intermediate Term Treasury Etf ETF 78464A672 8,361,098 291,520 SH SOLE 0 0 291,520
Ishares Ibonds December 2025 Treasury Etf ETF 46436E866 6,879,657 295,543 SH SOLE 0 0 295,543
Dimensional World Ex U S Core Equity 2 Etf ETF 25434V880 8,798,598 299,578 SH SOLE 0 0 299,578
Ishares Core S&p Total U S Stock Market Etf ETF 464287150 44,860,904 332,205 SH SOLE 0 0 332,205
Spdr Ssga Multi Asset Real Return Etf ETF 78467V103 9,692,105 333,177 SH SOLE 0 0 333,177
Spdr Portfolio S&p 500 Etf ETF 78464A854 30,095,360 414,023 SH SOLE 0 0 414,023
John Hancock Preferred Income Etf ETF 47804J776 11,190,660 496,370 SH SOLE 0 0 496,370