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 645,332 6,285 SH SOLE 0 0 6,285
ABBVIE INC COM 00287Y109 1,229,434 5,652 SH SOLE 0 0 5,652
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 511,192 2,578 SH SOLE 0 0 2,578
ADOBE INC COM 00724F101 326,943 1,345 SH SOLE 0 0 1,345
ADVANCED MICRO DEVICES INC COM 007903107 853,389 4,195 SH SOLE 0 0 4,195
ALPHABET INC CAP STK CL A 02079K305 4,174,848 14,518 SH SOLE 0 0 14,518
ALPHABET INC CAP STK CL C 02079K107 4,093,069 14,268 SH SOLE 0 0 14,268
AMAZON COM INC COM 023135106 6,301,756 30,257 SH SOLE 0 0 30,257
AMERICAN EXPRESS CO COM 025816109 421,297 1,392 SH SOLE 0 0 1,392
AMGEN INC COM 031162100 641,423 1,823 SH SOLE 0 0 1,823
APPLE INC COM 037833100 9,302,494 36,654 SH SOLE 0 0 36,654
AT&T INC COM 00206R102 590,178 20,358 SH SOLE 0 0 20,358
AUTODESK INC COM 052769106 233,654 976 SH SOLE 0 0 976
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 298,865 13,798 SH SOLE 0 0 13,798
BANK AMERICA CORP COM 060505104 1,044,225 21,420 SH SOLE 0 0 21,420
BARCLAYS PLC ADR 06738E204 201,655 9,530 SH SOLE 0 0 9,530
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,199,049 4,589 SH SOLE 0 0 4,589
BLACKROCK ETF TRUST ISHARES US CARBO 09290C509 353,702 5,043 SH SOLE 0 0 5,043
BOEING CO COM 097023105 427,715 2,149 SH SOLE 0 0 2,149
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 203,885 3,487 SH SOLE 0 0 3,487
BROADCOM INC COM 11135F101 4,210,058 13,602 SH SOLE 0 0 13,602
CAPITAL ONE FINL CORP COM 14040H105 263,976 1,447 SH SOLE 0 0 1,447
CATERPILLAR INC COM 149123101 1,311,469 1,851 SH SOLE 0 0 1,851
CHEVRON CORPORATION COM 166764100 961,878 4,649 SH SOLE 0 0 4,649
CISCO SYS INC COM 17275R102 1,000,316 12,892 SH SOLE 0 0 12,892
CITIGROUP INC COM NEW 172967424 597,671 5,270 SH SOLE 0 0 5,270
COCA COLA CO COM 191216100 885,906 11,648 SH SOLE 0 0 11,648
COSTCO WHOLESALE CORPORATION COM 22160K105 1,095,999 1,099 SH SOLE 0 0 1,099
CROWDSTRIKE HLDGS INC CL A 22788C105 233,465 598 SH SOLE 0 0 598
DISNEY WALT CO COM 254687106 430,548 4,467 SH SOLE 0 0 4,467
ELI LILLY & CO COM 532457108 1,970,147 2,142 SH SOLE 0 0 2,142
EMBRAER S.A. SPONSORED ADS 29082A107 274,032 4,618 SH SOLE 0 0 4,618
ENBRIDGE INC COM 29250N105 224,464 4,146 SH SOLE 0 0 4,146
ESCO TECHNOLOGIES INC COM 296315104 219,187 779 SH SOLE 0 0 779
EXXON MOBIL CORP COM 30231G102 1,785,502 10,524 SH SOLE 0 0 10,524
GE AEROSPACE COM NEW 369604301 1,131,675 3,988 SH SOLE 0 0 3,988
GOLDMAN SACHS GROUP INC COM 38141G104 712,324 842 SH SOLE 0 0 842
HARMONY GOLD MNG LTD SPONSORED ADR 413216300 188,160 12,242 SH SOLE 0 0 12,242
HOME DEPOT INC COM 437076102 1,010,350 3,072 SH SOLE 0 0 3,072
HONEYWELL INTL INC COM 438516106 595,476 2,634 SH SOLE 0 0 2,634
INTEL CORP COM 458140100 399,421 9,051 SH SOLE 0 0 9,051
INTERNATIONAL BUSINESS MACHS COM 459200101 654,938 2,702 SH SOLE 0 0 2,702
INTUIT COM 461202103 287,100 664 SH SOLE 0 0 664
INTUITIVE SURGICAL INC COM NEW 46120E602 496,486 1,077 SH SOLE 0 0 1,077
INVESCO EXCH TRADED FD TR II SHORT TERM TREAS 46138G888 1,016,552 9,631 SH SOLE 0 0 9,631
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 2,747,790 101,921 SH SOLE 0 0 101,921
ISHARES TR 3 7 YR TREAS BD 464288661 8,724,572 73,563 SH SOLE 0 0 73,563
ISHARES TR A RATE CP BD ETF 46429B291 5,176,983 108,783 SH SOLE 0 0 108,783
ISHARES TR CORE S&P MCP ETF 464287507 3,225,030 47,757 SH SOLE 0 0 47,757
ISHARES TR CORE US AGGBD ET 464287226 21,897,572 220,586 SH SOLE 0 0 220,586
ISHARES TR ESG AW MSCI EAFE 46435G516 5,777,121 60,417 SH SOLE 0 0 60,417
ISHARES TR ESG AWARE MSCI 46435U663 2,013,467 42,821 SH SOLE 0 0 42,821
ISHARES TR ESG AWR MSCI USA 46435G425 288,921 2,043 SH SOLE 0 0 2,043
ISHARES TR ESG MSCI KLD 400 464288570 214,385 1,769 SH SOLE 0 0 1,769
ISHARES TR FLTG RATE NT ETF 46429B655 2,951,381 57,927 SH SOLE 0 0 57,927
ISHARES TR IBDS DEC28 ETF 46435U515 1,940,176 76,595 SH SOLE 0 0 76,595
ISHARES TR IBONDS 2026 TERM 46436E528 822,574 35,842 SH SOLE 0 0 35,842
ISHARES TR IBONDS 2027 TERM 46436E478 822,307 37,158 SH SOLE 0 0 37,158
ISHARES TR IBONDS 2030 TERM 46436E122 813,947 31,043 SH SOLE 0 0 31,043
ISHARES TR IBONDS 2031 TERM 46438G661 810,888 31,862 SH SOLE 0 0 31,862
ISHARES TR IBONDS 27 ETF 46435UAA9 1,959,295 80,828 SH SOLE 0 0 80,828
ISHARES TR IBONDS 28 TR HI 46436E387 819,126 34,901 SH SOLE 0 0 34,901
ISHARES TR IBONDS 29 TR HI 46436E379 815,999 35,047 SH SOLE 0 0 35,047
ISHARES TR IBONDS DEC 2030 46436E726 1,959,593 89,520 SH SOLE 0 0 89,520
ISHARES TR IBONDS DEC 2031 46436E486 1,939,039 92,644 SH SOLE 0 0 92,644
ISHARES TR IBONDS DEC 2032 46436E312 1,927,217 76,265 SH SOLE 0 0 76,265
ISHARES TR IBONDS DEC 29 46436E205 1,941,031 83,449 SH SOLE 0 0 83,449
ISHARES TR IBONDS DEC2026 46435GAA0 1,959,238 80,826 SH SOLE 0 0 80,826
ISHARES TR JPMORGAN USD EMG 464288281 2,196,365 23,383 SH SOLE 0 0 23,383
ISHARES TR RUS 1000 VAL ETF 464287598 473,920 2,218 SH SOLE 0 0 2,218
ISHARES TR S&P 100 ETF 464287101 1,133,283 3,563 SH SOLE 0 0 3,563
JOHNSON & JOHNSON COM 478160104 1,828,761 7,481 SH SOLE 0 0 7,481
JOHNSON CONTROLS INTERNATION SHS G51502105 400,838 3,061 SH SOLE 0 0 3,061
JPMORGAN CHASE & CO COM 46625H100 2,456,089 8,349 SH SOLE 0 0 8,349
L3HARRIS TECHNOLOGIES INC COM 502431109 333,415 966 SH SOLE 0 0 966
LINDE PLC SHS G54950103 575,082 1,160 SH SOLE 0 0 1,160
MASTERCARD INCORPORATED CL A 57636Q104 1,558,939 3,120 SH SOLE 0 0 3,120
MCDONALDS CORP COM 580135101 677,056 2,178 SH SOLE 0 0 2,178
MERCK & CO INC COM 58933Y105 872,524 7,253 SH SOLE 0 0 7,253
META PLATFORMS INC CL A 30303M102 3,315,493 5,795 SH SOLE 0 0 5,795
MICROSOFT CORP COM 594918104 7,112,434 19,213 SH SOLE 0 0 19,213
MITSUBISHI UFJ FINANCIAL GRO SPONSORED ADS 606822104 240,312 14,161 SH SOLE 0 0 14,161
MORGAN STANLEY COM NEW 617446448 646,760 3,930 SH SOLE 0 0 3,930
MSCI INC COM 55354G100 256,030 475 SH SOLE 0 0 475
NETFLIX INC. COM 64110L106 1,299,449 13,514 SH SOLE 0 0 13,514
NEXTERA ENERGY INC COM 65339F101 967,902 10,421 SH SOLE 0 0 10,421
NVIDIA CORPORATION COM 67066G104 10,792,918 61,886 SH SOLE 0 0 61,886
ORACLE CORP COM 68389X105 750,849 5,104 SH SOLE 0 0 5,104
PALANTIR TECHNOLOGIES INC CL A 69608A108 793,569 5,425 SH SOLE 0 0 5,425
PEPSICO INC COM 713448108 708,355 4,561 SH SOLE 0 0 4,561
PHILIP MORRIS INTL INC COM 718172109 848,910 5,134 SH SOLE 0 0 5,134
PNC FINL SVCS GROUP INC COM 693475105 281,546 1,353 SH SOLE 0 0 1,353
PROCTER & GAMBLE CO COM 742718109 988,620 6,844 SH SOLE 0 0 6,844
QUALCOMM INC COM 747525103 397,673 3,088 SH SOLE 0 0 3,088
RTX CORPORATION COM 75513E101 1,080,240 5,600 SH SOLE 0 0 5,600
SALESFORCE INC COM 79466L302 450,995 2,416 SH SOLE 0 0 2,416
SCHWAB CHARLES CORP COM 808513105 383,250 4,078 SH SOLE 0 0 4,078
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 201,875 1,519 SH SOLE 0 0 1,519
SERVICENOW INC COM 81762P102 595,099 5,692 SH SOLE 0 0 5,692
SHOPIFY INC CL A SUB VTG SHS 82509L107 455,975 3,844 SH SOLE 0 0 3,844
SPDR INDEX SHS FDS STATE STREET SPD 78463X509 11,731,065 250,076 SH SOLE 0 0 250,076
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 19,964,615 437,340 SH SOLE 0 0 437,340
SPDR SERIES TRUST STATE STREET SPD 78464A474 8,820,794 293,342 SH SOLE 0 0 293,342
SPDR SERIES TRUST STATE STREET SPD 78464A839 262,262 3,080 SH SOLE 0 0 3,080
SPDR SERIES TRUST STATE STREET SPD 78464A821 222,627 2,320 SH SOLE 0 0 2,320
SPDR SERIES TRUST STATE STREET SPD 78464A508 6,243,179 110,342 SH SOLE 0 0 110,342
SPDR SERIES TRUST STATE STREET SPD 78464A375 16,626,348 495,717 SH SOLE 0 0 495,717
SPDR SERIES TRUST STATE STREET SPD 78464A409 8,615,101 87,990 SH SOLE 0 0 87,990
SPDR SERIES TRUST STATE STREET SPD 78464A847 11,953,320 201,846 SH SOLE 0 0 201,846
SPDR SERIES TRUST STATE STREET SPD 78468R853 8,080,940 167,238 SH SOLE 0 0 167,238
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 238,593 706 SH SOLE 0 0 706
TE CONNECTIVITY PLC ORD SHS G87052109 286,357 1,370 SH SOLE 0 0 1,370
TESLA INC COM 88160R101 2,983,294 8,025 SH SOLE 0 0 8,025
TEXAS INSTRS INC COM 882508104 450,017 2,318 SH SOLE 0 0 2,318
THERMO FISHER SCIENTIFIC INC COM 883556102 463,021 942 SH SOLE 0 0 942
TJX COS INC NEW COM 872540109 302,312 1,893 SH SOLE 0 0 1,893
TOTALENERGIES SE ACT F92124100 271,120 2,980 SH SOLE 0 0 2,980
UBER TECHNOLOGIES INC COM 90353T100 514,156 7,148 SH SOLE 0 0 7,148
UNITEDHEALTH GROUP INC COM 91324P102 709,712 2,622 SH SOLE 0 0 2,622
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 7,858,829 273,636 SH SOLE 0 0 273,636
VANGUARD INDEX FDS GROWTH ETF 922908736 521,090 1,193 SH SOLE 0 0 1,193
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 349,739 1,359 SH SOLE 0 0 1,359
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 385,882 2,094 SH SOLE 0 0 2,094
VANGUARD INDEX FDS SM CP VAL ETF 922908611 303,281 1,396 SH SOLE 0 0 1,396
VANGUARD INDEX FDS SML CP GRW ETF 922908595 281,093 930 SH SOLE 0 0 930
VANGUARD INDEX FDS VALUE ETF 922908744 369,445 1,883 SH SOLE 0 0 1,883
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 608,359 12,194 SH SOLE 0 0 12,194
VANGUARD STAR FDS VG TL INTL STK F 921909768 322,551 4,183 SH SOLE 0 0 4,183
VERIZON COMMUNICATIONS INC COM 92343V104 773,109 15,400 SH SOLE 0 0 15,400
VERTEX PHARMACEUTICALS INC COM 92532F100 376,433 843 SH SOLE 0 0 843
VISA INC COM CL A 92826C839 1,855,451 6,139 SH SOLE 0 0 6,139
VNET GROUP INC SPONSORED ADS A 90138A103 103,734 12,364 SH SOLE 0 0 12,364
WALMART INC COM 931142103 1,370,301 11,025 SH SOLE 0 0 11,025
WEC ENERGY GROUP INC COM 92939U106 204,566 1,767 SH SOLE 0 0 1,767
WELLS FARGO & CO COM 949746101 799,205 10,039 SH SOLE 0 0 10,039