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
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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 1,046,533 4,391 SH SOLE 0 0 4,391
APPLE INC COM 037833100 936,791 3,237 SH SOLE 0 0 3,237
BANK OF AMER CORP COM 060505104 377,522 6,626 SH SOLE 0 0 6,626
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,497,700 2 SH SOLE 0 0 2
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 7,440,250 150,979 SH SOLE 0 0 150,979
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 1,725,479 63,135 SH SOLE 663 0 62,472
CIPHER DIGITAL INC COM 17253J106 1,243,130 50,740 SH SOLE 0 0 50,740
CISCO SYS INC COM 17275R102 382,678 3,258 SH SOLE 0 0 3,258
CITIGROUP INC COM NEW 172967424 283,601 2,026 SH SOLE 0 0 2,026
CONAGRA BRANDS INC COM 205887102 246,695 18,328 SH SOLE 0 0 18,328
COSTCO WHOLESALE CORPORATION COM 22160K105 699,533 748 SH SOLE 0 0 748
ELI LILLY & CO COM 532457108 323,846 270 SH SOLE 0 0 270
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107 290,050 1,222 SH SOLE 0 0 1,222
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 32,886,961 722,949 SH SOLE 1,698 0 721,251
INTEL CORP COM 458140100 335,996 2,406 SH SOLE 0 0 2,406
INVESCO QQQ TR UNIT SER 1 46090E103 33,747,452 45,828 SH SOLE 103 0 45,725
ISHARES TR CORE DIV GRWTH 46434V621 40,886,515 539,471 SH SOLE 1,074 0 538,397
ISHARES TR CORE S&P500 ETF 464287200 2,591,365 3,460 SH SOLE 0 0 3,460
ISHARES TR ESG AWR MSCI USA 46435G425 1,735,989 10,607 SH SOLE 0 0 10,607
ISHARES TR ESG AWRE 1 5 YR 46435G243 1,171,613 46,883 SH SOLE 0 0 46,883
ISHARES TR IBDS DEC28 ETF 46435U515 230,204 9,117 SH SOLE 0 0 9,117
ISHARES TR IBONDS 27 ETF 46435UAA9 345,474 14,264 SH SOLE 0 0 14,264
ISHARES TR MRGSTR MD CP GRW 464288307 11,145,615 113,384 SH SOLE 638 0 112,746
ISHARES TR S&P 500 GRWT ETF 464287309 216,717 1,576 SH SOLE 0 0 1,576
ISHARES TR SHRT NAT MUN ETF 464288158 606,176 5,693 SH SOLE 0 0 5,693
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 9,183,720 162,601 SH SOLE 0 0 162,601
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 27,529,195 597,811 SH SOLE 749 0 597,062
J P MORGAN EXCHANGE TRADED F JPMORGAM LTD DUR 46654Q773 16,795,005 321,805 SH SOLE 42 0 321,763
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 9,341,816 184,730 SH SOLE 893 0 183,837
JOHNSON & JOHNSON COM 478160104 730,883 2,878 SH SOLE 0 0 2,878
MICRON TECHNOLOGY INC COM 595112103 265,375 230 SH SOLE 0 0 230
MICROSOFT CORP COM 594918104 5,095,180 13,659 SH SOLE 0 0 13,659
MORGAN STANLEY ETF TRUST CALVE INDEX ETF 61774R106 253,841 2,986 SH SOLE 0 0 2,986
NEOS ETF TRUST NEOS S&P 500 HI 78433H303 433,362 8,163 SH SOLE 0 0 8,163
NIKE INC CL B 654106103 301,896 7,354 SH SOLE 0 0 7,354
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 2,931,119 25,039 SH SOLE 0 0 25,039
NVIDIA CORPORATION COM 67066G104 2,639,418 13,191 SH SOLE 0 0 13,191
PGIM ETF TR PGIM ULTRA SH BD 69344A107 594,781 12,004 SH SOLE 0 0 12,004
PIMCO ETF TR MULTISECTOR BD 72201R585 19,628,803 740,151 SH SOLE 1,363 0 738,788
REALTY INCOME CORP COM 756109104 830,405 13,402 SH SOLE 0 0 13,402
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 317,571 11,465 SH SOLE 4,596 0 6,869
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 54,489,855 1,718,381 SH SOLE 3,298 0 1,715,083
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,071,901 90,777 SH SOLE 0 0 90,777
SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 1,367,745 31,064 SH SOLE 1,135 0 29,929
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 215,192 9,181 SH SOLE 2,056 0 7,125
STARBUCKS CORP COM 855244109 304,990 2,985 SH SOLE 0 0 2,985
TESLA INC COM 88160R101 883,983 2,102 SH SOLE 0 0 2,102
VANGUARD BD INDEX FDS INTERMED TERM 921937819 51,943,483 677,229 SH SOLE 1,634 0 675,595
VANGUARD INDEX FDS GROWTH ETF 922908736 43,094,257 500,282 SH SOLE 1,111 0 499,171
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 11,057,657 55,960 SH SOLE 323 0 55,637
VANGUARD INDEX FDS MID CAP ETF 922908629 16,729,371 207,638 SH SOLE 0 0 207,638
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 81,598,069 118,807 SH SOLE 283 0 118,524
VANGUARD INDEX FDS SMALL CP ETF 922908751 40,241,545 132,758 SH SOLE 440 0 132,318
VANGUARD INDEX FDS SML CP GRW ETF 922908595 348,011 952 SH SOLE 0 0 952
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,287,715 25,459 SH SOLE 0 0 25,459
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 29,425,746 356,028 SH SOLE 424 0 355,604
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 33,078,364 418,555 SH SOLE 1,039 0 417,516
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 707,779 2,991 SH SOLE 0 0 2,991
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 22,198,983 311,565 SH SOLE 45 0 311,520
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,211,143 13,992 SH SOLE 0 0 13,992
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 214,263 2,295 SH SOLE 809 0 1,486
VANGUARD WORLD FD ESG INTL STK ETF 921910725 761,422 9,247 SH SOLE 0 0 9,247
VANGUARD WORLD FD ESG US CORP BD 921910691 1,620,853 25,826 SH SOLE 0 0 25,826
VANGUARD WORLD FD ESG US STK ETF 921910733 1,931,508 14,606 SH SOLE 0 0 14,606
WALMART INC COM 931142103 201,688 1,781 SH SOLE 0 0 1,781
WELLS FARGO & CO COM 949746101 256,028 3,098 SH SOLE 0 0 3,098