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
AT & T INC Stock 00206R102 19,219 926 SH SOLE 926 0 0
ADVANCED MICRO DEVICES INC Stock 007903107 1,618 3 SH SOLE 3 0 0
ALTRIA GROUP INC Stock 02209S103 49,598 688 SH SOLE 688 0 0
AMEREN CORP Stock 023608102 28,564 253 SH SOLE 253 0 0
AMERICAN ELECTRIC POWER INC Stock 025537101 30,368 223 SH SOLE 223 0 0
AMERICAN EXPRESS COMPANY Stock 025816109 42,452 122 SH SOLE 122 0 0
AMERICAN FINL GROUP INC OHIO Stock 025932104 48,371 346 SH SOLE 346 0 0
AMERICAN CENTY TR ETF AVANTIS U S LARGE CAP VALUE ETF 025072349 4,106,295 44,966 SH SOLE 44,966 0 0
AMGEN INC Stock 031162100 104,945 284 SH SOLE 284 0 0
APPLE INC Stock 037833100 807,025 2,656 SH SOLE 2,656 0 0
EXPEDIA INC Stock 30212P303 48,182 182 SH SOLE 182 0 0
AUTOMATIC DATA PROCESSING Stock 053015103 62,946 264 SH SOLE 264 0 0
AMERICAN CENTY ETF TR AVANTIS INTL EQUITY ETF 025072703 2,442 27 SH SOLE 27 0 0
BANK OF AMERICA CORP Stock 060505104 53,329 914 SH SOLE 914 0 0
BANK NEW YORK MELLON CORP Stock 064058100 181,652 1,229 SH SOLE 1,229 0 0
BERKLEY W R CORPORATION Stock 084423102 45,505 649 SH SOLE 649 0 0
BERKSHIRE HATHAWAY INC SERIES B NEW Stock 084670702 160,567 319 SH SOLE 319 0 0
BLACKROCK INC COM NEW Stock 09290D101 74,954 75 SH SOLE 75 0 0
BRISTOL MYERS SQUIBB CO Stock 110122108 42,728 747 SH SOLE 747 0 0
FEDEX FGHT HLDG CO INC Stock 314352105 8,363 54 SH SOLE 54 0 0
CAPITAL ONE FINANCIAL CORP Stock 14040H105 41,684 203 SH SOLE 203 0 0
CHECK POINT SOFTWARE TECH LTD Stock M22465104 30,248 227 SH SOLE 227 0 0
CHEVRON CORPORATION Stock 166764100 54,857 325 SH SOLE 325 0 0
CHUBB LTD Stock H1467J104 47,561 135 SH SOLE 135 0 0
CISCO SYSTEMS INC Stock 17275R102 93,611 812 SH SOLE 812 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 60,275 65 SH SOLE 65 0 0
EXELIXIS INC Stock 30161Q104 57,238 1,029 SH SOLE 1,029 0 0
COMCAST CORP NEW CL A Stock 20030N101 30,498 1,300 SH SOLE 1,300 0 0
CORTEVA INC Stock 22052L104 80,351 954 SH SOLE 954 0 0
XTRACKERS MSCI EAFE ETF EQUITY ETF 233051200 4,311,592 78,314 SH SOLE 78,314 0 0
MORGAN STANLEY ETF PATHWAY FDS LARGE CAP EQUITY ETF 61769L858 4,680 79 SH SOLE 79 0 0
MORGAN STANLEY ETF PATHWAY FDS SMALL-MID CAP EQUITY ETF 61769L841 1,478 24 SH SOLE 24 0 0
DEERE & CO Stock 244199105 46,301 73 SH SOLE 73 0 0
DELL TECHNOLOGIES INC CL C Stock 24703L202 131,126 314 SH SOLE 314 0 0
DOVER CORP COMMON Stock 260003108 61,193 283 SH SOLE 283 0 0
ENBRIDGE INC Stock 29250N105 42,020 786 SH SOLE 786 0 0
ENTERPRISE PRODUCTS PARTNERS Stock 293792107 10,998 300 SH SOLE 300 0 0
EPR PPTYS SHS BEN INT REIT 26884U109 14,912 258 SH SOLE 258 0 0
EXXON MOBIL CORP Stock 30231G102 177,760 1,285 SH SOLE 1,285 0 0
FEDEX CORPORATION Stock 31428X106 37,344 119 SH SOLE 119 0 0
FIDELITY MSCI ETF INFORMATION TECHNOLOGY INDEX ETF 316092808 9,017 32 SH SOLE 32 0 0
FISERV INC Stock 337738108 34,206 658 SH SOLE 658 0 0
CORPAY INC INC Stock 219948106 42,843 123 SH SOLE 123 0 0
ISHARES TR ETF IBONDS DEC 2031 TERM MUNI BD ETF 46438G356 40,550 1,576 SH SOLE 1,576 0 0
ISHARES TR ETF IBONDS DEC 2035 TERM CORP ETF 46438G372 257,960 10,124 SH SOLE 10,124 0 0
ISHARES IBONDS DEC ETF TR 2030 TERM MUNI BD ETF 46438G687 40,603 1,571 SH SOLE 1,571 0 0
ISHARES TR IBONDS ETF DEC 2034 TERM CORPORATE ETF 46438G653 43,580,797 1,681,034 SH SOLE 1,681,034 0 0
ISHARES TR IBONDS ETF DEC 2033 TERM CORP ETF 46436E130 257,345 10,031 SH SOLE 10,031 0 0
ISHARES TR IBONDS ETF DEC 2032 TERM CORPORATE ETF 46436E312 538,314 21,462 SH SOLE 21,462 0 0
ISHARES ETF TR IBONDS DEC 2031 TREM CORPORATE ETF 46436E486 46,108,659 2,220,499 SH SOLE 2,220,499 0 0
ISHARES TR ETF IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726 258,713 11,914 SH SOLE 11,914 0 0
ISHARES TR ETF IBONDS DEC 2029 TERM CORPORATE ETF 46436E205 317,602 13,752 SH SOLE 13,752 0 0
ISHARES TR ETF IBONDS DEC 2028 TERM CORPORATE ETF 46435U515 293,339 11,652 SH SOLE 11,652 0 0
ISHARES TR ETF IBONDS DEC 2026 TERM CORP ETF 46435GAA0 73,444 3,038 SH SOLE 3,038 0 0
ISHARES TR CORE ETF 60/40 BALANCED ALLOCATION ETF 464289867 2,282 33 SH SOLE 33 0 0
ISHARES TR ETF IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 293,941 12,174 SH SOLE 12,174 0 0
GENL DYNAMICS CORP Stock 369550108 220,937 598 SH SOLE 598 0 0
GE AEROSPACE NEW Stock 369604301 54,645 143 SH SOLE 143 0 0
GENERAL MOTORS CO Stock 37045V100 42,574 563 SH SOLE 563 0 0
GILEAD SCIENCES INC Stock 375558103 78,899 613 SH SOLE 613 0 0
HARTFORD INSURANCE GROUP INC Stock 416515104 42,973 320 SH SOLE 320 0 0
HOME DEPOT INC Stock 437076102 28,575 82 SH SOLE 82 0 0
HONEYWELL INTL INC COM NEW Stock 438516205 30,535 137 SH SOLE 137 0 0
HONEYWELL AEROSPACE INC COM Stock 43849R105 32,000 137 SH SOLE 137 0 0
ISHARES EDGE MSCI ETF MIN VOL USA ETF ETF 46429B697 332,868 3,406 SH SOLE 3,406 0 0
ILLINOIS TOOL WORKS INC Stock 452308109 61,213 226 SH SOLE 226 0 0
INTERLINK ELECTRONICS INC Stock 458751302 1,023 225 SH SOLE 225 0 0
INTERNATIONAL BUSINESS MACHINE CORP Stock 459200101 44,060 152 SH SOLE 152 0 0
INTUIT INC Stock 461202103 18,786 69 SH SOLE 69 0 0
INVESCO EXCHANGE ETF TRADED SELF INDXD FD TR BLLTSHRS 2031 CRPT BD ETF 46138J429 73,722 4,498 SH SOLE 4,498 0 0
INVESCO SELF-INDEXED ETF FD TR BULLETSHARES 2030 MUN FD ETF ETF 46138J445 853,973 39,012 SH SOLE 39,012 0 0
INVESCO EXCH TRADED ETF SELF INDEXED FD TR BULLETSHARES 2027 MUN BD ETF 46138J494 853,802 36,117 SH SOLE 36,117 0 0
INVESCO SELF-INDEXED ETF FD TR BULLETSHARES 2028 HIGH YLD CORP BOND ETF 46138J452 28,917 1,328 SH SOLE 1,328 0 0
INVESCO SELF INDEXED ETF FD BULLETSHARES 2030 CORPORATE BD ETF 46138J460 60,633 3,642 SH SOLE 3,642 0 0
INVESCO EXCH TRD ETF SELF INDXD FD TR BULLETSHRS 2029 CORP BD ETF 46138J577 63,077 3,394 SH SOLE 3,394 0 0
INVESCO SELF INDEXED ETF BULLETSHARES 2027 HGH YLD CRP ETF 46138J585 14,425 645 SH SOLE 645 0 0
INVESCO SELF INDEXED ETF BULLETSHARES 2026 HIGH YIELD CORP BD ETF 46138J635 28,166 1,227 SH SOLE 1,227 0 0
INVESCO EXCHANGE ETF TRADED SELF INDEXED BULLETSHARES 2028 CORP ETF 46138J643 63,000 3,092 SH SOLE 3,092 0 0
INVESCO S&P MIDCAP ETF QUALITY ETF 46137V472 132,873 1,166 SH SOLE 1,166 0 0
INVESCO EXCHANGE ETF TRADED SELF INDEXED FD BULLETSHARES 2026 ETF 46138J791 62,883 3,219 SH SOLE 3,219 0 0
INVESCO EXCHANGE ETF TRADED SELF INDEXED FD BULLETSHARES 2027 CORP ETF 46138J783 63,051 3,212 SH SOLE 3,212 0 0
INVESCO QQQ TR ETF UNIT SER 1 ETF 46090E103 5,094 7 SH SOLE 7 0 0
JOHNSON CTLS INTL PLC Stock G51502105 46,507 319 SH SOLE 319 0 0
JOHNSON & JOHNSON Stock 478160104 97,787 381 SH SOLE 381 0 0
KINROSS GOLD CORP (NEW) NO PAR Stock 496902404 494 20 SH SOLE 20 0 0
KRATOS DEFENSE AND SECURITY SOLUTIONS Stock 50077B207 870 15 SH SOLE 15 0 0
KROGER COMPANY COMMON Stock 501044101 170 3 SH SOLE 3 0 0
LOCKHEED MARTIN CORP Stock 539830109 49,595 92 SH SOLE 92 0 0
LUMEN TECHNOLOGIES INC LA Stock 550241103 65 9 SH SOLE 9 0 0
MCDONALDS CORP Stock 580135101 66,322 244 SH SOLE 244 0 0
MCKESSON CORPORATION Stock 58155Q103 35,811 46 SH SOLE 46 0 0
MEDTRONIC PLC Stock G5960L103 32,416 405 SH SOLE 405 0 0
WARNER BROS DISCOVERY INC SER A Stock 934423104 5,981 224 SH SOLE 224 0 0
MERCK & CO INC NEW Stock 58933Y105 91,669 719 SH SOLE 719 0 0
MICROSOFT CORP Stock 594918104 216,456 557 SH SOLE 557 0 0
JPMORGAN ETF INTERNATIONAL VALUE ETF 46654Q757 3,809 41 SH SOLE 41 0 0
JPMORGAN CHASE & CO Stock 46625H100 153,741 460 SH SOLE 460 0 0
NVIDIA CORP Stock 67066G104 56,681 285 SH SOLE 285 0 0
NIOCORP DEVS LTD COM NEW Stock 654484609 10,735 2,173 SH SOLE 2,173 0 0
DRAFTKINGS INC NEW CL A Stock 26142V105 254 10 SH SOLE 10 0 0
NEXTERA ENERGY INC Stock 65339F101 56,105 644 SH SOLE 644 0 0
ONEOK INC NEW Stock 682680103 92,706 1,067 SH SOLE 1,067 0 0
ORACLE CORPORATION Stock 68389X105 54,892 374 SH SOLE 374 0 0
PNC FINANCIAL SERVICES GROUP Stock 693475105 46,318 185 SH SOLE 185 0 0
PALANTIR TECHNOLOGIES INC CL A Stock 69608A108 2,634 20 SH SOLE 20 0 0
PEPSICO INCORPORATED Stock 713448108 47,887 336 SH SOLE 336 0 0
PHILLIPS 66 Stock 718546104 94,987 533 SH SOLE 533 0 0
INVESCO TR ETF S&P 500 QUALITY ETF 46137V241 190,795 2,138 SH SOLE 2,138 0 0
INVESCO TR II ETF S&P 500 MOMENTUM ETF 46138E339 189,173 1,216 SH SOLE 1,216 0 0
PROCTER & GAMBLE CO Stock 742718109 45,080 304 SH SOLE 304 0 0
PULTE GROUP INC Stock 745867101 43,292 327 SH SOLE 327 0 0
QUALCOMM INC Stock 747525103 53,956 297 SH SOLE 297 0 0
QUEST DIAGNOSTICS INC Stock 74834L100 45,997 213 SH SOLE 213 0 0
RENAISSANCE RE HOLDING LTD Stock G7496G103 48,123 152 SH SOLE 152 0 0
ROYAL CARIBBEAN CRUISES LTD NORWAY Stock V7780T103 38,068 127 SH SOLE 127 0 0
SCHWAB US DIVIDEND ETF EQUITY ETF 808524797 53,387,993 1,661,097 SH SOLE 1,661,097 0 0
SCHWAB US LARGE-CAP ETF GROWTH ETF 808524300 6,776 197 SH SOLE 197 0 0
SMURFIT WESTROCK PLC SHS Stock G8267P108 32,489 712 SH SOLE 712 0 0
SOFI TECHNOLOGIES INC Stock 83406F102 740 40 SH SOLE 40 0 0
SOLSTICE ADVANCED MATLS INC COM Stock 83443Q103 5,794 68 SH SOLE 68 0 0
STATE STREET SPDR ETF S&P 500 ETF 78462F103 355,813 474 SH SOLE 474 0 0
SPDR S&P CHINA ETF ETF 78463X400 260 3 SH SOLE 3 0 0
ST STR SPDR S&P DIV ETF ETF 78464A763 9,867 64 SH SOLE 64 0 0
STATE STREET SPDR ETF PORTFOLIO S&P 400 MID CAP ETF 78464A847 5,319 79 SH SOLE 79 0 0
STATE STR CORP Stock 857477103 56,206 329 SH SOLE 329 0 0
STATE STREET SPDR ETF BLOOMBERG CONVERTIBLE SECURITIES ETF 78464A359 12,357 116 SH SOLE 116 0 0
SUPER MICRO COMPUTER INC COM NEW Stock 86800U302 2,010 70 SH SOLE 70 0 0
T-MOBILE US INC Stock 872590104 41,784 237 SH SOLE 237 0 0
APOLLO GLOBAL MGMT INC NEW Stock 03769M106 40,161 338 SH SOLE 338 0 0
TARGET CORP Stock 87612E106 23,476 180 SH SOLE 180 0 0
TRAVELERS COS INC/ THE Stock 89417E109 49,547 148 SH SOLE 148 0 0
PROSHARES S&P 500 ETF DIVIDEND A ETF 74348A467 15,947 280 SH SOLE 280 0 0
UBER TECHNOLOGIES INC Stock 90353T100 655 9 SH SOLE 9 0 0
UNITED RENTALS INC Stock 911363109 51,378 46 SH SOLE 46 0 0
VANGUARD INFORMATION ETF TECHNOLOGY ETF 92204A702 4,715 40 SH SOLE 40 0 0
VANGUARD FTSE ETF EUROPEAN ETF 922042874 90 1 SH SOLE 1 0 0
VICI PPTYS INC REIT 925652109 37,050 1,416 SH SOLE 1,416 0 0
VERIZON COMMUNICATIONS COM Stock 92343V104 10,973 259 SH SOLE 259 0 0
VANGUARD MEGA CAP ETF ETF 921910873 6,054 22 SH SOLE 22 0 0
WALMART INC Stock 931142103 257,429 2,332 SH SOLE 2,332 0 0
WASTE MGMT INC DEL Stock 94106L109 71,008 317 SH SOLE 317 0 0
WELLS FARGO & CO NEW Stock 949746101 429 5 SH SOLE 5 0 0
WISDOMTREE US QUAL ETF DIVIDEND GROWTH FUND ETF 97717X669 4,609,183 47,915 SH SOLE 47,915 0 0
NEBIUS GRP NV CLASS A Stock N97284108 23,368 100 SH SOLE 100 0 0
ZIMMER BIOMET HOLDINGS INC Stock 98956P102 37,278 441 SH SOLE 441 0 0