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
AMAZON COM INC COM 023135106 1,030,022 4,321 SH SOLE 0 0 4,321
APPLE INC COM 037833100 792,118 3,041 SH SOLE 0 0 3,041
BANK AMERICA CORP COM 060505104 348,002 6,624 SH SOLE 0 0 6,624
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,440,006 2 SH SOLE 0 0 2
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 5,960,599 133,287 SH SOLE 0 0 133,287
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 1,626,256 59,201 SH SOLE 663 0 58,538
CIPHER DIGITAL INC COM 17253J106 661,200 40,000 SH SOLE 0 0 40,000
CISCO SYS INC COM 17275R102 280,570 3,412 SH SOLE 0 0 3,412
CITIGROUP INC COM NEW 172967424 252,733 2,032 SH SOLE 0 0 2,032
CONAGRA BRANDS INC COM 205887102 278,219 18,328 SH SOLE 0 0 18,328
COSTCO WHOLESALE CORPORATION COM 22160K105 732,561 734 SH SOLE 0 0 734
ELI LILLY & CO COM 532457108 253,657 270 SH SOLE 0 0 270
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107 313,613 1,222 SH SOLE 0 0 1,222
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 18,004,849 393,205 SH SOLE 1,547 0 391,658
INVESCO QQQ TR UNIT SER 1 46090E103 29,334,515 48,005 SH SOLE 120 0 47,885
ISHARES TR CORE DIV GRWTH 46434V621 38,724,869 539,569 SH SOLE 1,085 0 538,484
ISHARES TR CORE S&P500 ETF 464287200 2,357,187 3,453 SH SOLE 0 0 3,453
ISHARES TR ESG AWR MSCI USA 46435G425 1,547,643 10,494 SH SOLE 0 0 10,494
ISHARES TR MRGSTR MD CP GRW 464288307 9,538,813 114,967 SH SOLE 679 0 114,288
ISHARES TR SHRT NAT MUN ETF 464288158 571,614 5,364 SH SOLE 0 0 5,364
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 9,085,774 157,904 SH SOLE 0 0 157,904
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 26,353,654 572,035 SH SOLE 623 0 571,412
J P MORGAN EXCHANGE TRADED F JPMORGAM LTD DUR 46654Q773 2,043,069 39,203 SH SOLE 0 0 39,203
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 9,885,575 195,754 SH SOLE 887 0 194,867
JOHNSON & JOHNSON COM 478160104 683,589 2,867 SH SOLE 0 0 2,867
MICROSOFT CORP COM 594918104 5,022,327 13,542 SH SOLE 0 0 13,542
NEOS ETF TRUST NEOS S&P 500 HI 78433H303 264,221 5,170 SH SOLE 0 0 5,170
NIKE INC CL B 654106103 266,560 6,254 SH SOLE 0 0 6,254
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 2,344,852 24,420 SH SOLE 0 0 24,420
NVIDIA CORPORATION COM 67066G104 2,437,411 12,922 SH SOLE 0 0 12,922
PEPSICO INC COM 713448108 210,484 1,340 SH SOLE 0 0 1,340
PIMCO ETF TR MULTISECTOR BD 72201R585 17,207,988 650,832 SH SOLE 872 0 649,960
REALTY INCOME CORP COM 756109104 761,996 11,953 SH SOLE 0 0 11,953
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 303,832 11,619 SH SOLE 4,765 0 6,854
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 52,843,418 1,729,169 SH SOLE 2,796 0 1,726,373
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,755,462 90,313 SH SOLE 0 0 90,313
SELECT SECTOR SPDR TR STATE STREET REA 81369Y860 1,408,650 32,897 SH SOLE 1,125 0 31,772
SPDR SERIES TRUST STATE STREET SPD 78468R606 213,975 9,136 SH SOLE 2,033 0 7,103
STARBUCKS CORP COM 855244109 288,307 2,985 SH SOLE 0 0 2,985
TESLA INC COM 88160R101 733,395 2,102 SH SOLE 0 0 2,102
VANGUARD BD INDEX FDS INTERMED TERM 921937819 49,458,483 640,986 SH SOLE 1,538 0 639,448
VANGUARD INDEX FDS GROWTH ETF 922908736 38,906,907 84,373 SH SOLE 193 0 84,180
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 306,760 1,144 SH SOLE 0 0 1,144
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 10,799,081 57,117 SH SOLE 326 0 56,791
VANGUARD INDEX FDS MID CAP ETF 922908629 15,422,415 51,980 SH SOLE 0 0 51,980
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 75,597,534 121,034 SH SOLE 287 0 120,747
VANGUARD INDEX FDS SMALL CP ETF 922908751 36,858,261 135,454 SH SOLE 398 0 135,056
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,120,910 22,311 SH SOLE 0 0 22,311
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 467,278 5,633 SH SOLE 0 0 5,633
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,273,208 41,328 SH SOLE 683 0 40,645
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 662,155 2,990 SH SOLE 0 0 2,990
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 5,445,506 80,388 SH SOLE 0 0 80,388
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,205,075 14,501 SH SOLE 0 0 14,501
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 210,829 2,314 SH SOLE 805 0 1,509
VANGUARD WORLD FD ESG US CORP BD 921910691 1,155,815 18,370 SH SOLE 0 0 18,370
VANGUARD WORLD FD ESG US STK ETF 921910733 1,654,069 14,032 SH SOLE 0 0 14,032
WALMART INC COM 931142103 212,207 1,674 SH SOLE 0 0 1,674
WELLS FARGO & CO COM 949746101 267,257 3,129 SH SOLE 0 0 3,129