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
ISHARES MSCI INTL VALUE FACTOR ETF ETF 46435G409 22,988,489 579,347 SH SOLE 0 0 579,347
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 19,290,003 662,204 SH SOLE 0 0 662,204
JPMORGAN MUNICIPAL ETF ETF 46641Q647 19,023,495 380,546 SH SOLE 0 0 380,546
STATE STREET SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 18,283,875 400,523 SH SOLE 0 0 400,523
VANGUARD S&P 500 ETF ETF 922908363 16,255,750 27,204 SH SOLE 0 0 27,204
VANGUARD CORE BOND ETF ETF 922020748 12,662,773 163,644 SH SOLE 0 0 163,644
AVANTIS EMERGING MARKETS EQUITY ETF ETF 025072604 10,548,003 130,901 SH SOLE 0 0 130,901
WISDOMTREE EMERGING MARKETS EX-STATE-OWNED ENTERPRISES FUND ETF 97717X578 10,006,634 249,542 SH SOLE 0 0 249,542
NYLI MACKAY MUNI INTERMEDIATE ETF ETF 45409F827 9,884,087 410,043 SH SOLE 0 0 410,043
PACER TRENDPILOT US MID CAP ETF ETF 69374H204 9,865,050 269,758 SH SOLE 0 0 269,758
WISDOMTREE FLOATING RATE TREASURY FUND ETF 97717Y527 9,009,400 178,971 SH SOLE 0 0 178,971
JPMORGAN MORTGAGE-BACKED SECURITIES ETF ETF 46654Q575 8,232,777 161,427 SH SOLE 0 0 161,427
NVIDIA CORPORATION COM Stock 67066G104 6,113,069 35,052 SH SOLE 0 0 35,052
STATE STREET SPDR S&P 500 ETF ETF 78462F103 5,277,509 8,115 SH SOLE 0 0 8,115
Real Estate Select Sector SPDR ETF 81369Y860 5,045,486 123,573 SH SOLE 0 0 123,573
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 4,750,880 38,218 SH SOLE 0 0 38,218
ISHARES TREASURY FLOATING RATE BOND ETF ETF 46434V860 3,642,423 71,942 SH SOLE 0 0 71,942
WISDOMTREE U.S. SHORT TERM CORPORATE BOND FUND ETF 97717X156 3,637,205 74,963 SH SOLE 0 0 74,963
APPLE INC COM Stock 037833100 3,610,417 14,226 SH SOLE 0 0 14,226
MICROSOFT CORP COM Stock 594918104 3,465,161 9,361 SH SOLE 0 0 9,361
UNLIMITED HFGM GLOBAL MACRO ETF ETF 886364363 3,148,228 98,198 SH SOLE 0 0 98,198
STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 3,078,004 33,588 SH SOLE 0 0 33,588
ALPHABET INC CAP STK CL A Stock 02079K305 2,941,451 10,229 SH SOLE 0 0 10,229
WISDOMTREE U.S. HIGH DIVIDEND FUND ETF 97717W208 2,834,587 25,953 SH SOLE 0 0 25,953
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 1,845,065 23,906 SH SOLE 0 0 23,906
AMAZON COM INC COM Stock 023135106 1,717,394 8,246 SH SOLE 0 0 8,246
EXXON MOBIL CORP COM Stock 30231G102 1,568,167 9,243 SH SOLE 0 0 9,243
ISHARES SELECT DIVIDEND ETF ETF 464287168 1,419,469 9,375 SH SOLE 0 0 9,375
PACER DATA & INFRASTRUCTURE REAL ESTATE ETF ETF 69374H741 1,362,503 43,642 SH SOLE 0 0 43,642
META PLATFORMS INC CL A Stock 30303M102 1,349,655 2,359 SH SOLE 0 0 2,359
PACER INDUSTRIAL REAL ESTATE ETF ETF 69374H766 1,346,319 36,641 SH SOLE 0 0 36,641
JPMORGAN CHASE & CO COM Stock 46625H100 1,072,213 3,645 SH SOLE 0 0 3,645
ISHARES FLOATING RATE BOND ETF ETF 46429B655 1,069,950 21,000 SH SOLE 0 0 21,000
ELI LILLY & CO COM Stock 532457108 1,059,575 1,152 SH SOLE 0 0 1,152
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687 1,017,088 33,545 SH SOLE 0 0 33,545
PACER TRENDPILOT US LARGE CAP ETF ETF 69374H105 867,216 16,531 SH SOLE 0 0 16,531
WALMART INC COM Stock 931142103 850,324 6,842 SH SOLE 0 0 6,842
BROADCOM INC COM Stock 11135F101 819,273 2,647 SH SOLE 0 0 2,647
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 818,356 3,830 SH SOLE 0 0 3,830
ISHARES CORE S&P MID-CAP ETF ETF 464287507 791,114 11,715 SH SOLE 0 0 11,715
ISHARES RUSSELL MIDCAP ETF ETF 464287499 732,045 7,529 SH SOLE 0 0 7,529
MICRON TECHNOLOGY INC COM Stock 595112103 712,167 2,108 SH SOLE 0 0 2,108
MERCK & CO INC COM Stock 58933Y105 677,473 5,632 SH SOLE 0 0 5,632
CHEVRON CORPORATION COM Stock 166764100 672,839 3,252 SH SOLE 0 0 3,252
STATE STREET SPDR PORTFOLIO CORPORATE BOND ETF ETF 78464A144 620,574 21,377 SH SOLE 0 0 21,377
ENERGY TRANSFER L P COM UT LTD PTN Stock 29273V100 612,119 31,716 SH SOLE 0 0 31,716
MASTERCARD INCORPORATED CL A Stock 57636Q104 607,587 1,216 SH SOLE 0 0 1,216
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 606,667 1,266 SH SOLE 0 0 1,266
GE AEROSPACE COM NEW Stock 369604301 599,322 2,112 SH SOLE 0 0 2,112
VISA INC COM CL A Stock 92826C839 598,435 1,980 SH SOLE 0 0 1,980
HOME DEPOT INC COM Stock 437076102 548,589 1,668 SH SOLE 0 0 1,668
ORACLE CORP COM Stock 68389X105 536,952 3,650 SH SOLE 0 0 3,650
KLA CORP COM NEW Stock 482480100 497,675 338 SH SOLE 0 0 338
CITIGROUP INC COM NEW Stock 172967424 488,117 4,304 SH SOLE 0 0 4,304
ABBVIE INC COM Stock 00287Y109 481,958 2,216 SH SOLE 0 0 2,216
JPMORGAN SHORT DURATION CORE PLUS ETF ETF 46641Q274 471,959 9,978 SH SOLE 0 0 9,978
GILEAD SCIENCES INC COM Stock 375558103 458,249 3,288 SH SOLE 0 0 3,288
ALPHABET INC CAP STK CL C Stock 02079K107 426,561 1,487 SH SOLE 0 0 1,487
ISHARES CORE S&P 500 ETF ETF 464287200 401,071 614 SH SOLE 0 0 614
PHILIP MORRIS INTL INC COM Stock 718172109 371,023 2,244 SH SOLE 0 0 2,244
COSTCO WHOLESALE CORPORATION COM Stock 22160K105 368,679 370 SH SOLE 0 0 370
CATERPILLAR INC COM Stock 149123101 366,274 517 SH SOLE 0 0 517
BANK AMERICA CORP COM Stock 060505104 364,748 7,482 SH SOLE 0 0 7,482
JOHNSON & JOHNSON COM Stock 478160104 356,638 1,459 SH SOLE 0 0 1,459
ADVANCED MICRO DEVICES INC COM Stock 007903107 351,120 1,726 SH SOLE 0 0 1,726
HONEYWELL INTL INC COM Stock 438516106 342,435 1,515 SH SOLE 0 0 1,515
PEPSICO INC COM Stock 713448108 339,930 2,189 SH SOLE 0 0 2,189
PROCTER & GAMBLE CO COM Stock 742718109 338,278 2,342 SH SOLE 0 0 2,342
GE VERNOVA INC COM Stock 36828A101 329,083 377 SH SOLE 0 0 377
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 327,641 5,113 SH SOLE 0 0 5,113
ABBOTT LABORATORIES COM Stock 002824100 316,121 3,079 SH SOLE 0 0 3,079
WISDOMTREE MANAGED FUTURES STRATEGY FUND ETF 97717W125 302,445 7,621 SH SOLE 0 0 7,621
EATON CORP PLC SHS Stock G29183103 291,859 816 SH SOLE 0 0 816
LOWES COS INC COM Stock 548661107 279,283 1,182 SH SOLE 0 0 1,182
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 269,850 549 SH SOLE 0 0 549
WELLS FARGO & CO COM Stock 949746101 263,191 3,306 SH SOLE 0 0 3,306
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND ETF 97717W604 259,990 7,234 SH SOLE 0 0 7,234
WISDOMTREE MORTGAGE PLUS BOND FUND ETF 97717Y725 250,757 5,673 SH SOLE 0 0 5,673
APPLIED MATLS INC COM Stock 038222105 248,140 726 SH SOLE 0 0 726
MCDONALDS CORP COM Stock 580135101 236,200 760 SH SOLE 0 0 760
GOLDMAN SACHS GROUP INC COM Stock 38141G104 232,647 275 SH SOLE 0 0 275
LAM RESEARCH CORP COM NEW Stock 512807306 232,462 1,088 SH SOLE 0 0 1,088
NETFLIX INC. COM Stock 64110L106 231,625 2,409 SH SOLE 0 0 2,409
NEXTERA ENERGY INC COM Stock 65339F101 226,627 2,440 SH SOLE 0 0 2,440
LOCKHEED MARTIN CORP COM Stock 539830109 226,042 374 SH SOLE 0 0 374
UNITEDHEALTH GROUP INC COM Stock 91324P102 214,037 791 SH SOLE 0 0 791
DEERE & CO COM Stock 244199105 209,548 372 SH SOLE 0 0 372
BLACKROCK INC COM Stock 09290D101 202,921 211 SH SOLE 0 0 211
TEXAS INSTRS INC COM Stock 882508104 200,158 1,031 SH SOLE 0 0 1,031