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
ABBVIE INC COM 00287Y109 526,130 2,834 SH SOLE 0 0 2,834
ALPHABET INC CAP STK CL C 02079K107 721,806 4,069 SH SOLE 0 0 4,069
ALPHABET INC CAP STK CL A 02079K305 923,210 5,239 SH SOLE 0 0 5,239
ALTRIA GROUP INC COM 02209S103 232,374 3,963 SH SOLE 0 0 3,963
AMAZON COM INC COM 023135106 1,150,481 5,244 SH SOLE 0 0 5,244
AMERICAN EXPRESS CO COM 025816109 207,125 649 SH SOLE 0 0 649
AMERICAN INTL GROUP INC COM NEW 026874784 325,071 3,798 SH SOLE 0 0 3,798
AMGEN INC COM 031162100 232,024 831 SH SOLE 0 0 831
AMPLIFY ETF TR CWP ENHANCED DIV 032108409 253,565 5,959 SH SOLE 0 0 5,959
APPLE INC COM 037833100 3,266,116 15,919 SH SOLE 0 0 15,919
ASTRAZENECA PLC SPONSORED ADR 046353108 205,185 2,936 SH SOLE 0 0 2,936
AUTOMATIC DATA PROCESSING IN COM 053015103 627,882 2,036 SH SOLE 0 0 2,036
AUTOMATIC DATA PROCESSING IN COM 053015103 637,709 2,261 SH SOLE 0 0 2,261
BECTON DICKINSON & CO COM 075887109 609,076 3,536 SH SOLE 0 0 3,536
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 480,443 8,822 SH SOLE 0 0 8,822
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 458,060 6,809 SH SOLE 0 0 6,809
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104 135,587 12,106 SH SOLE 0 0 12,106
BOSTON SCIENTIFIC CORP COM 101137107 306,119 2,850 SH SOLE 0 0 2,850
BROADCOM INC COM 11135F101 1,140,088 4,136 SH SOLE 0 0 4,136
CATERPILLAR INC COM 149123101 249,104 642 SH SOLE 0 0 642
CHEVRON CORP NEW COM 166764100 498,248 3,480 SH SOLE 0 0 3,480
CISCO SYS INC COM 17275R102 436,323 6,289 SH SOLE 0 0 6,289
COCA COLA CO COM 191216100 1,001,396 14,154 SH SOLE 0 0 14,154
COMCAST CORP NEW CL A 20030N101 247,010 6,921 SH SOLE 0 0 6,921
CORTEVA INC COM 22052L104 320,106 4,295 SH SOLE 0 0 4,295
COSTCO WHSL CORP NEW COM 22160K105 321,789 325 SH SOLE 0 0 325
CROWDSTRIKE HLDGS INC CL A 22788C105 293,363 576 SH SOLE 0 0 576
DUPONT DE NEMOURS INC COM 26614N102 349,192 5,091 SH SOLE 0 0 5,091
EATON CORP PLC SHS G29183103 272,260 763 SH SOLE 0 0 763
ELI LILLY & CO COM 532457108 753,636 967 SH SOLE 0 0 967
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 231,955 12,794 SH SOLE 0 0 12,794
EXXON MOBIL CORP COM 30231G102 588,696 5,461 SH SOLE 0 0 5,461
GE AEROSPACE COM NEW 369604301 206,566 803 SH SOLE 0 0 803
GOLDMAN SACHS GROUP INC COM 38141G104 325,761 460 SH SOLE 0 0 460
HOME DEPOT INC COM 437076102 845,133 2,305 SH SOLE 0 0 2,305
INTERNATIONAL BUSINESS MACHS COM 459200101 287,152 974 SH SOLE 0 0 974
INVESCO QQQ TR UNIT SER 1 46090E103 237,601 431 SH SOLE 0 0 431
ISHARES INC CORE MSCI EMKT 46434G103 409,081 6,815 SH SOLE 0 0 6,815
ISHARES INC MSCI EMRG CHN 46434G764 202,700 3,210 SH SOLE 0 0 3,210
ISHARES TR S&P 500 VAL ETF 464287408 434,619 2,224 SH SOLE 0 0 2,224
ISHARES TR MBS ETF 464288588 227,162 2,419 SH SOLE 0 0 2,419
ISHARES TR EAFE VALUE ETF 464288877 455,462 7,175 SH SOLE 0 0 7,175
ISHARES TR EAFE GRWTH ETF 464288885 348,304 3,110 SH SOLE 0 0 3,110
ISHARES TR CORE S&P TTL STK 464287150 2,052,379 15,198 SH SOLE 0 0 15,198
ISHARES TR CORE S&P500 ETF 464287200 1,494,160 2,406 SH SOLE 0 0 2,406
ISHARES TR IBOXX INV CP ETF 464287242 270,790 11,167 SH SOLE 0 0 11,167
ISHARES TR S&P 500 GRWT ETF 464287309 746,427 6,780 SH SOLE 0 0 6,780
ISHARES TR RUS 1000 VAL ETF 464287598 484,859 2,496 SH SOLE 0 0 2,496
ISHARES TR RUS 1000 GRW ETF 464287614 6,230,051 14,673 SH SOLE 0 0 14,673
ISHARES TR RUS 1000 ETF 464287622 1,771,986 5,218 SH SOLE 0 0 5,218
ISHARES TR CORE S&P US VLU 464287663 844,340 8,923 SH SOLE 0 0 8,923
ISHARES TR CORE S&P US GWT 464287671 1,314,787 8,742 SH SOLE 0 0 8,742
ISHARES TR CORE S&P SCP ETF 464287804 2,214,313 20,261 SH SOLE 0 0 20,261
ISHARES TR IBOXX HI YD ETF 464288513 2,178,218 47,117 SH SOLE 0 0 47,117
ISHARES TR CORE HIGH DV ETF 46429B663 1,113,298 9,502 SH SOLE 0 0 9,502
ISHARES TR MSCI USA MIN VOL 46429B697 404,776 4,312 SH SOLE 0 0 4,312
ISHARES TR MSCI USA QLT FCT 46432F339 1,724,943 9,435 SH SOLE 0 0 9,435
ISHARES TR MSCI USA MMENTM 46432F396 1,008,610 4,197 SH SOLE 0 0 4,197
ISHARES TR CORE MSCI EAFE 46432F842 689,892 8,264 SH SOLE 0 0 8,264
ISHARES TR US SML CAP EQT 46434V290 922,058 13,570 SH SOLE 0 0 13,570
ISHARES TR CORE DIV GRWTH 46434V621 7,502,051 117,330 SH SOLE 0 0 117,330
ISHARES TR ESG AWR MSCI USA 46435G425 644,932 4,767 SH SOLE 0 0 4,767
ISHARES TR 0-3 MNTH TREASRY 46436E718 2,207,862 21,927 SH SOLE 0 0 21,927
ISHARES TR CORE MSCI TOTAL 46432F834 211,670 2,738 SH SOLE 0 0 2,738
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 279,996 4,925 SH SOLE 0 0 4,925
JOHNSON & JOHNSON COM 478160104 2,015,874 13,197 SH SOLE 0 0 13,197
JPMORGAN CHASE & CO. COM 46625H100 2,045,512 7,056 SH SOLE 0 0 7,056
LINDE PLC SHS G54950103 282,243 602 SH SOLE 0 0 602
LOCKHEED MARTIN CORP COM 539830109 283,677 613 SH SOLE 0 0 613
LOWES COS INC COM 548661107 216,942 978 SH SOLE 0 0 978
MARSH & MCLENNAN COS INC COM 571748102 447,854 2,048 SH SOLE 0 0 2,048
MCDONALDS CORP COM 580135101 490,402 1,678 SH SOLE 0 0 1,678
MEDTRONIC PLC SHS G5960L103 242,137 2,778 SH SOLE 0 0 2,778
MERCK & CO INC COM 58933Y105 212,555 2,685 SH SOLE 0 0 2,685
META PLATFORMS INC CL A 30303M102 940,668 1,274 SH SOLE 0 0 1,274
MICROSOFT CORP COM 594918104 4,465,769 8,978 SH SOLE 0 0 8,978
NETFLIX INC COM 64110L106 392,365 293 SH SOLE 0 0 293
NEXTERA ENERGY INC COM 65339F101 934,419 13,460 SH SOLE 0 0 13,460
NVIDIA CORPORATION COM 67066G104 3,279,031 20,755 SH SOLE 0 0 20,755
ORACLE CORP COM 68389X105 674,692 3,086 SH SOLE 0 0 3,086
PALO ALTO NETWORKS INC COM 697435105 328,652 1,606 SH SOLE 0 0 1,606
PEPSICO INC COM 713448108 218,313 1,653 SH SOLE 0 0 1,653
PIMCO ETF TR MULTISECTOR BD 72201R585 1,893,615 71,349 SH SOLE 0 0 71,349
PROCTER AND GAMBLE CO COM 742718109 382,984 2,404 SH SOLE 0 0 2,404
SALESFORCE INC COM 79466L302 226,829 832 SH SOLE 0 0 832
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 235,826 10,147 SH SOLE 0 0 10,147
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,392,650 203,496 SH SOLE 0 0 203,496
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 833,632 6,185 SH SOLE 0 0 6,185
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 349,885 1,610 SH SOLE 0 0 1,610
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 595,297 11,367 SH SOLE 0 0 11,367
SELECT SECTOR SPDR TR INDL 81369Y704 245,495 1,664 SH SOLE 0 0 1,664
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 548,131 2,165 SH SOLE 0 0 2,165
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 432,883 3,989 SH SOLE 0 0 3,989
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 874,910 21,123 SH SOLE 0 0 21,123
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 484,930 5,938 SH SOLE 0 0 5,938
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 200,021 454 SH SOLE 0 0 454
SPDR S&P 500 ETF TR TR UNIT 78462F103 264,900 429 SH SOLE 0 0 429
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 548,430 7,545 SH SOLE 0 0 7,545
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 302,291 3,295 SH SOLE 0 0 3,295
TEXAS INSTRS INC COM 882508104 388,472 1,871 SH SOLE 0 0 1,871
VANGUARD INDEX FDS GROWTH ETF 922908736 956,899 2,183 SH SOLE 0 0 2,183
VANGUARD INDEX FDS VALUE ETF 922908744 863,487 4,886 SH SOLE 0 0 4,886
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,485,756 8,179 SH SOLE 0 0 8,179
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 217,221 3,231 SH SOLE 0 0 3,231
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,783,795 8,715 SH SOLE 0 0 8,715
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 469,026 8,227 SH SOLE 0 0 8,227
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 6,829,522 51,230 SH SOLE 0 0 51,230
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 2,280,866 28,472 SH SOLE 0 0 28,472
VANGUARD WORLD FD INF TECH ETF 92204A702 449,708 678 SH SOLE 0 0 678
VISA INC COM CL A 92826C839 631,001 1,777 SH SOLE 0 0 1,777
WALMART INC COM 931142103 349,994 3,579 SH SOLE 0 0 3,579
WELLS FARGO CO NEW COM 949746101 382,587 4,775 SH SOLE 0 0 4,775
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,850,078 22,093 SH SOLE 0 0 22,093