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
ABBOTT LABORATORIES COM 002824100 2,496,524 24,316 SH SOLE 0 0 0 24,316
ABBVIE INC COM 00287Y109 3,632,518 16,702 SH SOLE 0 0 0 16,702
ALPHABET INC CAP STK CL C 02079K107 1,315,253 4,585 SH SOLE 0 0 0 4,585
ALPHABET INC CAP STK CL A 02079K305 15,039,676 52,301 SH SOLE 0 0 0 52,301
AMAZON COM INC COM 023135106 12,886,706 61,875 SH SOLE 0 0 0 61,875
APPLE INC COM 037833100 10,289,154 40,542 SH SOLE 0 0 0 40,542
APPLIED MATLS INC COM 038222105 393,059 1,150 SH SOLE 0 0 0 1,150
ASML HLDG NV N Y REGISTRY SHS N07059210 339,453 257 SH SOLE 0 0 0 257
BANK AMERICA CORP COM 060505104 994,988 20,410 SH SOLE 0 0 0 20,410
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 10,588,882 22,097 SH SOLE 0 0 0 22,097
BROADCOM INC COM 11135F101 361,817 1,169 SH SOLE 0 0 0 1,169
BROOKFIELD INFRASTRUCTURE CO COM SUB VTG A 11276H106 753,281 19,061 SH SOLE 0 0 0 19,061
BROOKFIELD INFRASTRUCTURE PA LP INT UNIT G16252101 8,546,209 236,606 SH SOLE 0 0 0 236,606
CHEVRON CORPORATION COM 166764100 2,184,036 10,556 SH SOLE 0 0 0 10,556
CISCO SYS INC COM 17275R102 7,721,602 99,518 SH SOLE 0 0 0 99,518
COCA COLA CO COM 191216100 539,347 7,092 SH SOLE 0 0 0 7,092
EXXON MOBIL CORP COM 30231G102 2,379,821 14,027 SH SOLE 0 0 0 14,027
FIRST TR EXCHANGE TRADED FD NASD TECH DIV 33738R118 234,150 2,500 SH SOLE 0 0 0 2,500
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 14,425,914 322,007 SH SOLE 0 0 0 322,007
GE AEROSPACE COM NEW 369604301 490,355 1,728 SH SOLE 0 0 0 1,728
GE VERNOVA INC COM 36828A101 373,601 428 SH SOLE 0 0 0 428
HOME DEPOT INC COM 437076102 1,574,725 4,788 SH SOLE 0 0 0 4,788
INTERNATIONAL BUSINESS MACHS COM 459200101 784,374 3,236 SH SOLE 0 0 0 3,236
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 998,944 5,205 SH SOLE 0 0 0 5,205
ISHARES INC CORE MSCI EMKT 46434G103 265,748 3,810 SH SOLE 0 0 0 3,810
ISHARES INC EM MKT SM-CP ETF 464286475 7,856,288 113,563 SH SOLE 0 0 0 113,563
ISHARES TR CORE MSCI EAFE 46432F842 212,927 2,352 SH SOLE 0 0 0 2,352
ISHARES TR CORE DIV GRWTH 46434V621 1,356,088 19,323 SH SOLE 0 0 0 19,323
ISHARES TR IBONDS DEC2026 46435GAA0 1,645,678 67,891 SH SOLE 0 0 0 67,891
ISHARES TR IBONDS 27 ETF 46435UAA9 2,022,416 83,433 SH SOLE 0 0 0 83,433
ISHARES TR IBDS DEC28 ETF 46435U515 5,452,966 215,277 SH SOLE 0 0 0 215,277
ISHARES TR IBONDS DEC 29 46436E205 3,463,484 148,903 SH SOLE 0 0 0 148,903
ISHARES TR ISHARES SEMICDTR 464287523 10,212,124 31,072 SH SOLE 0 0 0 31,072
ISHARES TR MSCI EAFE ETF 464287465 2,388,718 24,593 SH SOLE 0 0 0 24,593
ISHARES TR PFD AND INCM SEC 464288687 992,404 32,731 SH SOLE 0 0 0 32,731
ISHARES TR EAFE SML CP ETF 464288273 5,160,241 65,811 SH SOLE 0 0 0 65,811
ISHARES TR MSCI ACWI EX US 464288240 944,544 13,795 SH SOLE 0 0 0 13,795
ISHARES TR MSCI ACWI ETF 464288257 202,435 1,463 SH SOLE 0 0 0 1,463
ISHARES TR CORE S&P MCP ETF 464287507 13,767,476 203,872 SH SOLE 0 0 0 203,872
ISHARES TR CORE S&P SCP ETF 464287804 12,243,665 98,493 SH SOLE 0 0 0 98,493
ISHARES TR S&P SML 600 GWT 464287887 2,414,486 16,685 SH SOLE 0 0 0 16,685
ISHARES TR CORE S&P500 ETF 464287200 9,904,623 15,163 SH SOLE 0 0 0 15,163
ISHARES TR RUS 1000 GRW ETF 464287614 447,720 1,050 SH SOLE 0 0 0 1,050
ISHARES TR MSCI EMG MKT ETF 464287234 1,819,495 32,039 SH SOLE 0 0 0 32,039
ISHARES TR IBONDS DEC 2030 46436E726 1,380,143 63,049 SH SOLE 0 0 0 63,049
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 12,098,811 262,618 SH SOLE 0 0 0 262,618
JOHNSON & JOHNSON COM 478160104 7,253,540 29,674 SH SOLE 0 0 0 29,674
JPMORGAN CHASE & CO COM 46625H100 6,790,978 23,086 SH SOLE 0 0 0 23,086
LOWES COS INC COM 548661107 1,652,779 6,995 SH SOLE 0 0 0 6,995
MCDONALDS CORP COM 580135101 1,408,500 4,532 SH SOLE 0 0 0 4,532
MERCK & CO INC COM 58933Y105 2,876,374 23,912 SH SOLE 0 0 0 23,912
MICROSOFT CORP COM 594918104 8,151,324 22,020 SH SOLE 0 0 0 22,020
MORGAN STANLEY EMERGING MKTS COM 617477104 76,050 15,000 SH SOLE 0 0 0 15,000
PEPSICO INC COM 713448108 4,064,716 26,175 SH SOLE 0 0 0 26,175
PFIZER INC COM 717081103 5,016,717 178,658 SH SOLE 0 0 0 178,658
PHILIP MORRIS INTL INC COM 718172109 371,887 2,249 SH SOLE 0 0 0 2,249
PROCTER & GAMBLE CO COM 742718109 1,261,828 8,736 SH SOLE 0 0 0 8,736
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 1,853,429 48,443 SH SOLE 0 0 0 48,443
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 233,966 7,626 SH SOLE 0 0 0 7,626
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 206,458 527 SH SOLE 0 0 0 527
SPDR INDEX SHS FDS STATE STREET SPD 78463X509 4,049,600 86,327 SH SOLE 0 0 0 86,327
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 5,127,865 112,330 SH SOLE 0 0 0 112,330
SPDR SERIES TRUST STATE STREET SPD 78464A854 301,261 3,936 SH SOLE 0 0 0 3,936
SPDR SERIES TRUST STATE STREET SPD 78464A862 2,238,488 6,864 SH SOLE 0 0 0 6,864
SPDR SERIES TRUST STATE STREET SPD 78468R200 5,586,262 181,490 SH SOLE 0 0 0 181,490
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 516,370 794 SH SOLE 0 0 0 794
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,691,773 2,743 SH SOLE 0 0 0 2,743
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 5,652,552 49,445 SH SOLE 0 0 0 49,445
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 4,476,762 38,986 SH SOLE 0 0 0 38,986
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 19,403,046 32,471 SH SOLE 0 0 0 32,471
VANGUARD INDEX FDS TOTAL STK MKT 922908769 684,929 2,135 SH SOLE 0 0 0 2,135
VANGUARD INDEX FDS MID CAP ETF 922908629 7,157,674 24,924 SH SOLE 0 0 0 24,924
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 225,209 2,539 SH SOLE 0 0 0 2,539
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,760,962 33,449 SH SOLE 0 0 0 33,449
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 14,191,149 172,160 SH SOLE 0 0 0 172,160
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,947,137 239,540 SH SOLE 0 0 0 239,540
VISA INC COM CL A 92826C839 2,238,994 7,408 SH SOLE 0 0 0 7,408
WISDOMTREE TR EM EX ST-OWNED 97717X578 430,875 10,745 SH SOLE 0 0 0 10,745
WW GRAINGER INC COM 384802104 278,157 255 SH SOLE 0 0 0 255