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
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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
ALPHABET INC CAP STK CL A 02079K305 517,702 1,654 SH SOLE 0 0 1,654
AMAZON COM INC COM 023135106 445,713 1,931 SH SOLE 0 0 1,931
APPLE INC COM 037833100 6,655,004 24,480 SH SOLE 0 0 24,480
BOEING CO COM 097023105 213,212 982 SH SOLE 0 0 982
CONSOLIDATED EDISON INC COM 209115104 235,786 2,374 SH SOLE 0 0 2,374
DONALDSON INC COM 257651109 236,368 2,666 SH SOLE 0 0 2,666
EXXON MOBIL CORP COM 30231G102 360,659 2,997 SH SOLE 0 0 2,997
GOLDMAN SACHS GROUP INC COM 38141G104 211,839 241 SH SOLE 0 0 241
GSK PLC SPONSORED ADR 37733W204 445,970 9,094 SH SOLE 0 0 9,094
INTERNATIONAL BUSINESS MACHS COM 459200101 246,151 831 SH SOLE 0 0 831
INVESCO MUNICIPAL TRUST COM 46131J103 169,290 17,543 SH SOLE 0 0 17,543
ISHARES INC CORE MSCI EMKT 46434G103 5,157,519 76,726 SH SOLE 0 0 76,726
ISHARES TR CORE MSCI EAFE 46432F842 6,816,839 76,200 SH SOLE 0 0 76,200
ISHARES TR CORE S&P500 ETF 464287200 24,508,979 35,783 SH SOLE 0 0 35,783
ISHARES TR CORE S&P MCP ETF 464287507 3,806,602 57,676 SH SOLE 0 0 57,676
ISHARES TR CORE S&P SCP ETF 464287804 3,969,833 33,032 SH SOLE 0 0 33,032
ISHARES TR CORE S&P TTL STK 464287150 4,091,683 27,518 SH SOLE 0 0 27,518
ISHARES TR CORE US AGGBD ET 464287226 7,275,968 72,847 SH SOLE 0 0 72,847
ISHARES TR IBOXX INV CP ETF 464287242 2,558,192 23,216 SH SOLE 0 0 23,216
ISHARES TR FLTG RATE NT ETF 46429B655 1,269,597 24,963 SH SOLE 0 0 24,963
ISHARES TR IBOXX HI YD ETF 464288513 1,134,435 14,070 SH SOLE 0 0 14,070
ISHARES TR NATIONAL MUN ETF 464288414 1,723,057 16,087 SH SOLE 0 0 16,087
ISHARES TR RUS 1000 GRW ETF 464287614 1,118,881 2,364 SH SOLE 0 0 2,364
ISHARES TR ESG MSCI KLD 400 464288570 251,734 1,954 SH SOLE 0 0 1,954
ISHARES TR ESG OPTIMIZED 464288802 201,632 1,447 SH SOLE 0 0 1,447
ISHARES TR 0-5YR HI YL CP 46434V407 253,877 5,922 SH SOLE 0 0 5,922
ISHARES TR JPMORGAN USD EMG 464288281 417,976 4,341 SH SOLE 0 0 4,341
JPMORGAN CHASE & CO. COM 46625H100 1,420,024 4,407 SH SOLE 0 0 4,407
META PLATFORMS INC CL A 30303M102 2,849,609 4,317 SH SOLE 0 0 4,317
MICROSOFT CORP COM 594918104 2,318,958 4,795 SH SOLE 0 0 4,795
NUVEEN AMT FREE MUN CR INC F COM 67071L106 173,404 13,697 SH SOLE 0 0 13,697
NVIDIA CORPORATION COM 67066G104 2,611,373 14,002 SH SOLE 0 0 14,002
QXO INC COM NEW 82846H405 446,859 23,165 SH SOLE 0 0 23,165
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 503,607 3,498 SH SOLE 0 0 3,498
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 217,437 3,970 SH SOLE 0 0 3,970
SPDR GOLD TR GOLD SHS 78463V107 1,236,487 3,120 SH SOLE 0 0 3,120
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,615,281 36,372 SH SOLE 0 0 36,372
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,008,756 21,550 SH SOLE 0 0 21,550
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,526,397 5,171 SH SOLE 0 0 5,171
UNITED PARCEL SERVICE INC CL B 911312106 1,428,038 14,397 SH SOLE 0 0 14,397
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 220,016 1,533 SH SOLE 0 0 1,533
WISDOMTREE TR DYNAMIC INTL EQT 97717X263 3,194,738 73,375 SH SOLE 0 0 73,375
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 1,135,571 22,567 SH SOLE 0 0 22,567
WISDOMTREE TR MORTGAGE PLUS BD 97717Y725 4,789,552 107,522 SH SOLE 0 0 107,522
WISDOMTREE TR US QUALITY GROW 97717Y477 5,806,361 98,966 SH SOLE 0 0 98,966
WISDOMTREE TR US HGH YLD CORP 97717X172 844,511 18,185 SH SOLE 0 0 18,185
WISDOMTREE TR WISDOMTREE US VA 97717W547 2,879,238 30,860 SH SOLE 0 0 30,860