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
ALPHABET INC CAP STK CL A 02079K305 1,784,501 6,206 SH SOLE 0 0 6,206
ALPHABET INC CAP STK CL C 02079K107 622,961 2,172 SH SOLE 0 0 2,172
AMAZON COM INC COM 023135106 615,439 2,955 SH SOLE 0 0 2,955
APPLE INC COM 037833100 2,896,981 11,414 SH SOLE 0 0 11,414
ASML HLDG NV N Y REGISTRY SHS N07059210 318,320 241 SH SOLE 0 0 241
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 251,101 524 SH SOLE 0 0 524
BLACKROCK INC COM 09290D101 510,363 531 SH SOLE 0 0 531
BROADCOM INC COM 11135F101 489,954 1,583 SH SOLE 0 0 1,583
CATERPILLAR INC COM 149123101 418,088 590 SH SOLE 0 0 590
COCA COLA CO COM 191216100 269,081 3,538 SH SOLE 0 0 3,538
COSTCO WHOLESALE CORPORATION COM 22160K105 235,275 236 SH SOLE 0 0 236
ELI LILLY & CO COM 532457108 244,658 266 SH SOLE 0 0 266
EXXON MOBIL CORP COM 30231G102 496,594 2,927 SH SOLE 0 0 2,927
GALLAGHER ARTHUR J & CO COM 363576109 11,111,854 51,306 SH SOLE 0 0 51,306
GLOBAL X FDS S&P 500 COVERED 37954Y475 1,076,075 27,500 SH SOLE 0 0 27,500
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 780,005 41,800 SH SOLE 0 0 41,800
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 609,220 31,194 SH SOLE 0 0 31,194
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 1,617,272 82,409 SH SOLE 0 0 82,409
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 669,322 40,033 SH SOLE 0 0 40,033
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 712,026 34,864 SH SOLE 0 0 34,864
INVESCO QQQ TR UNIT SER 1 46090E103 319,753 554 SH SOLE 0 0 554
ISHARES TR 3 7 YR TREAS BD 464288661 3,851,685 32,477 SH SOLE 0 0 32,477
ISHARES TR CORE S&P MCP ETF 464287507 1,930,062 28,581 SH SOLE 0 0 28,581
ISHARES TR CORE S&P SCP ETF 464287804 345,319 2,778 SH SOLE 0 0 2,778
ISHARES TR CORE S&P500 ETF 464287200 3,492,282 5,346 SH SOLE 0 0 5,346
ISHARES TR CORE US AGGBD ET 464287226 4,998,947 50,361 SH SOLE 0 0 50,361
ISHARES TR GLB CNS DISC ETF 464288745 208,803 1,120 SH SOLE 0 0 1,120
ISHARES TR GLB INFRASTR ETF 464288372 539,994 8,060 SH SOLE 0 0 8,060
ISHARES TR IBOXX HI YD ETF 464288513 216,330 2,719 SH SOLE 0 0 2,719
ISHARES TR MSCI EAFE ETF 464287465 2,055,779 21,164 SH SOLE 0 0 21,164
ISHARES TR MSCI EMG MKT ETF 464287234 1,295,258 22,803 SH SOLE 0 0 22,803
ISHARES TR RUS 1000 GRW ETF 464287614 15,335,675 35,947 SH SOLE 0 0 35,947
ISHARES TR RUS 1000 VAL ETF 464287598 15,184,991 71,067 SH SOLE 0 0 71,067
ISHARES TR RUS MID CAP ETF 464287499 1,721,035 17,698 SH SOLE 0 0 17,698
ISHARES TR RUSSELL 2000 ETF 464287655 8,288,871 33,415 SH SOLE 0 0 33,415
ISHARES TR S&P 500 VAL ETF 464287408 1,209,585 5,728 SH SOLE 0 0 5,728
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 2,107,977 37,191 SH SOLE 0 0 37,191
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 1,249,289 22,501 SH SOLE 0 0 22,501
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 4,746,168 93,779 SH SOLE 0 0 93,779
JOHNSON & JOHNSON COM 478160104 916,511 3,750 SH SOLE 0 0 3,750
JPMORGAN CHASE & CO COM 46625H100 246,506 838 SH SOLE 0 0 838
MASTERCARD INCORPORATED CL A 57636Q104 891,339 1,784 SH SOLE 0 0 1,784
META PLATFORMS INC CL A 30303M102 219,811 384 SH SOLE 0 0 384
MICROSOFT CORP COM 594918104 2,129,089 5,752 SH SOLE 0 0 5,752
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 87,570 11,029 SH SOLE 0 0 11,029
NVIDIA CORPORATION COM 67066G104 1,467,071 8,412 SH SOLE 0 0 8,412
PROVIDENT FINL SVCS INC COM 74386T105 305,319 14,429 SH SOLE 0 0 14,429
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 924,668 20,257 SH SOLE 0 0 20,257
SPDR INDEX SHS FDS STATE STREET SPD 78463X855 2,750,758 36,187 SH SOLE 0 0 36,187
SPDR SERIES TRUST STATE STREET SPD 78464A607 247,926 2,455 SH SOLE 0 0 2,455
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 324,092 497 SH SOLE 0 0 497
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 6,516,669 10,556 SH SOLE 0 0 10,556
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 705,979 2,089 SH SOLE 0 0 2,089
TESLA INC COM 88160R101 344,985 928 SH SOLE 0 0 928
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 13,181,468 178,990 SH SOLE 0 0 178,990
VANGUARD INDEX FDS MID CAP ETF 922908629 466,710 1,625 SH SOLE 0 0 1,625
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,282,393 14,456 SH SOLE 0 0 14,456
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 515,176 859 SH SOLE 0 0 859
VANGUARD INDEX FDS SMALL CP ETF 922908751 532,356 2,030 SH SOLE 0 0 2,030
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,075,955 75,409 SH SOLE 0 0 75,409
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 248,446 1,704 SH SOLE 0 0 1,704
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 12,935,353 217,216 SH SOLE 0 0 217,216
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 285,123 3,446 SH SOLE 0 0 3,446
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 215,841 3,158 SH SOLE 0 0 3,158
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 269,466 2,456 SH SOLE 0 0 2,456
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 215,844 2,303 SH SOLE 0 0 2,303
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 11,405,008 177,979 SH SOLE 0 0 177,979
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 434,990 2,937 SH SOLE 0 0 2,937
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 453,013 4,807 SH SOLE 0 0 4,807
VANGUARD WORLD FD ENERGY ETF 92204A306 3,697,921 21,368 SH SOLE 0 0 21,368
VANGUARD WORLD FD INF TECH ETF 92204A702 275,599 395 SH SOLE 0 0 395
VISA INC COM CL A 92826C839 636,810 2,107 SH SOLE 0 0 2,107
WIPRO LTD SPON ADR 1 SH 97651M109 65,549 30,919 SH SOLE 0 0 30,919