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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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 474,945 1,329 SH SOLE 1,329 0 0
ALPHABET INC CAP STK CL C 02079K107 256,164 725 SH SOLE 725 0 0
ALTRIA GROUP INC COM 02209S103 388,530 5,400 SH SOLE 5,400 0 0
AMAZON COM INC COM 023135106 985,774 4,136 SH SOLE 4,136 0 0
APPLE INC COM 037833100 1,967,091 6,798 SH SOLE 6,798 0 0
APPLIED MATLS INC COM 038222105 702,756 972 SH SOLE 972 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 209,663 419 SH SOLE 419 0 0
CATERPILLAR INC COM 149123101 319,470 300 SH SOLE 300 0 0
CISCO SYS INC COM 17275R102 214,952 1,830 SH SOLE 1,830 0 0
COHEN & STEERS LTD DURATION COM 19248C105 1,005,354 47,512 SH SOLE 47,512 0 0
ELI LILLY & CO COM 532457108 615,851 513 SH SOLE 513 0 0
HOME DEPOT INC COM 437076102 410,520 1,164 SH SOLE 1,164 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,068,427 1,451 SH SOLE 1,451 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 265,466 9,685 SH SOLE 9,685 0 0
ISHARES TR CORE MSCI EAFE 46432F842 269,555 2,791 SH SOLE 2,791 0 0
ISHARES TR CORE S&P MCP ETF 464287507 519,644 6,739 SH SOLE 6,739 0 0
ISHARES TR CORE S&P SCP ETF 464287804 273,632 1,845 SH SOLE 1,845 0 0
ISHARES TR CORE S&P500 ETF 464287200 713,692 953 SH SOLE 953 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 3,013,363 119,341 SH SOLE 119,341 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9 2,779,504 114,761 SH SOLE 114,761 0 0
ISHARES TR IBONDS DEC 2030 46436E726 1,879,269 86,205 SH SOLE 86,205 0 0
ISHARES TR IBONDS DEC 2031 46436E486 1,276,763 61,265 SH SOLE 61,265 0 0
ISHARES TR IBONDS DEC 2032 46436E312 777,112 30,850 SH SOLE 30,850 0 0
ISHARES TR IBONDS DEC 29 46436E205 2,496,764 107,805 SH SOLE 107,805 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 2,137,277 88,208 SH SOLE 88,208 0 0
ISHARES TR IBOXX INV CP ETF 464287242 209,523 1,921 SH SOLE 1,921 0 0
ISHARES TR ISHARES SEMICDTR 464287523 252,459 394 SH SOLE 394 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,213,994 21,313 SH SOLE 21,313 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 679,038 9,926 SH SOLE 9,926 0 0
ISHARES TR PFD AND INCM SEC 464288687 699,563 22,944 SH SOLE 22,944 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,635,071 13,168 SH SOLE 13,168 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,778,467 7,336 SH SOLE 7,336 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 314,774 799 SH SOLE 799 0 0
ISHARES TR RUS MID CAP ETF 464287499 540,016 4,895 SH SOLE 4,895 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 645,968 2,150 SH SOLE 2,150 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,277,379 9,288 SH SOLE 9,288 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,269,493 5,591 SH SOLE 5,591 0 0
ISHARES TR S&P MC 400GR ETF 464287606 425,115 3,618 SH SOLE 3,618 0 0
ISHARES TR S&P MC 400VL ETF 464287705 327,961 2,220 SH SOLE 2,220 0 0
ISHARES TR S&P SML 600 GWT 464287887 259,863 1,455 SH SOLE 1,455 0 0
ISHARES TR SP SMCP600VL ETF 464287879 529,225 3,872 SH SOLE 3,872 0 0
JOHNSON & JOHNSON COM 478160104 432,257 1,702 SH SOLE 1,702 0 0
META PLATFORMS INC CL A 30303M102 345,297 613 SH SOLE 613 0 0
MICRON TECHNOLOGY INC COM 595112103 259,715 225 SH SOLE 225 0 0
MICROSOFT CORP COM 594918104 695,682 1,865 SH SOLE 1,865 0 0
NVIDIA CORPORATION COM 67066G104 780,752 3,902 SH SOLE 3,902 0 0
ORACLE CORP COM 68389X105 268,480 1,832 SH SOLE 1,832 0 0
PACER FDS TR US CASH COWS 100 69374H881 242,605 3,900 SH SOLE 3,900 0 0
RTX CORPORATION COM 75513E101 272,832 1,438 SH SOLE 1,438 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 287,530 7,958 SH SOLE 7,958 0 0
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 714,732 13,803 SH SOLE 13,803 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 3,953,634 78,461 SH SOLE 78,461 0 0
SPDR SERIES TRUST ST STR P400MID 78464A847 1,990,867 29,468 SH SOLE 29,468 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 868,958 9,888 SH SOLE 9,888 0 0
SPDR SERIES TRUST ST STR P500GRW 78464A409 3,259,209 27,391 SH SOLE 27,391 0 0
SPDR SERIES TRUST ST STR P500VAL 78464A508 3,653,124 60,094 SH SOLE 60,094 0 0
SPDR SERIES TRUST ST STR PFD ETF 78464A292 854,077 27,975 SH SOLE 27,975 0 0
SPDR SERIES TRUST ST STR SP400GRW 78464A821 320,241 2,857 SH SOLE 2,857 0 0
SPDR SERIES TRUST ST STR SP400VAL 78464A839 305,227 3,218 SH SOLE 3,218 0 0
SPDR SERIES TRUST ST STR SP600 SML 78468R853 1,393,596 24,165 SH SOLE 24,165 0 0
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 205,857 1,728 SH SOLE 1,728 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,061,160 1,421 SH SOLE 1,421 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 751,602 8,725 SH SOLE 8,725 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 392,215 4,868 SH SOLE 4,868 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,482,136 2,158 SH SOLE 2,158 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 424,065 1,399 SH SOLE 1,399 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 670,142 1,811 SH SOLE 1,811 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 411,965 1,890 SH SOLE 1,890 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 234,500 2,800 SH SOLE 2,800 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 305,076 5,111 SH SOLE 5,111 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 275,189 1,163 SH SOLE 1,163 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 580,118 8,142 SH SOLE 8,142 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 429,367 2,717 SH SOLE 2,717 0 0
VISA INC COM CL A 92826C839 203,109 592 SH SOLE 592 0 0