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 2,226,896 23,590 SH SOLE 23,590 0 0
ABBVIE INC COM 00287Y109 2,431,874 9,731 SH SOLE 9,731 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,400,612 10,072 SH SOLE 10,072 0 0
ADOBE INC COM 00724F101 1,150,433 5,167 SH SOLE 5,167 0 0
AFLAC INC COM 001055102 323,274 2,650 SH SOLE 2,650 0 0
ALLSTATE CORP COM 020002101 556,954 2,240 SH SOLE 2,240 0 0
ALPHABET INC CAP STK CL A 02079K305 815,288 2,272 SH SOLE 2,272 0 0
ALPHABET INC CAP STK CL C 02079K107 376,902 1,058 SH SOLE 1,058 0 0
AMAZON COM INC COM 023135106 2,443,720 9,892 SH SOLE 9,892 0 0
AMERICAN ELEC PWR CO INC COM 025537101 242,938 1,815 SH SOLE 1,815 0 0
AMERICAN EXPRESS CO COM 025816109 819,993 2,365 SH SOLE 2,365 0 0
AMGEN INC COM 031162100 895,232 2,462 SH SOLE 2,462 0 0
AON PLC SHS CL A G0403H108 288,715 812 SH SOLE 812 0 0
APPLE INC COM 037833100 4,226,793 13,367 SH SOLE 13,367 0 0
APPLIED MATLS INC COM 038222105 1,512,856 2,570 SH SOLE 2,570 0 0
ARISTA NETWORKS INC COM SHS 040413205 873,584 4,730 SH SOLE 4,730 0 0
AT&T INC COM 00206R102 449,541 21,366 SH SOLE 21,366 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 759,067 3,146 SH SOLE 3,146 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,385,774 2,797 SH SOLE 2,797 0 0
BIOGEN INC COM 09062X103 272,109 1,368 SH SOLE 1,368 0 0
BLACKBERRY LTD COM 09228F103 182,880 16,000 SH SOLE 16,000 0 0
BLACKROCK INC COM 09290D101 243,704 239 SH SOLE 239 0 0
BROADCOM INC COM 11135F101 16,605,246 41,398 SH SOLE 41,398 0 0
CATERPILLAR INC COM 149123101 469,195 500 SH SOLE 500 0 0
CHEVRON CORPORATION COM 166764100 846,231 4,862 SH SOLE 4,862 0 0
CHUBB LIMITED COM H1467J104 292,500 841 SH SOLE 841 0 0
CISCO SYS INC COM 17275R102 864,964 7,311 SH SOLE 7,311 0 0
CLOROX CO DEL COM 189054109 1,220,520 13,114 SH SOLE 13,114 0 0
COCA COLA CO COM 191216100 359,854 4,355 SH SOLE 4,355 0 0
CONSTELLATION BRANDS INC CL A 21036P108 1,141,633 8,620 SH SOLE 8,620 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 359,837 394 SH SOLE 394 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105 293,632 1,480 SH SOLE 1,480 0 0
CUMMINS INC COM 231021106 5,787,787 8,595 SH SOLE 8,595 0 0
DISNEY WALT CO COM 254687106 749,549 7,794 SH SOLE 7,794 0 0
EATON CORP PLC SHS G29183103 323,041 796 SH SOLE 796 0 0
ELI LILLY & CO COM 532457108 1,698,862 1,396 SH SOLE 1,396 0 0
EMERSON ELEC CO COM 291011104 315,366 2,289 SH SOLE 2,289 0 0
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305 344,624 7,852 SH SOLE 7,852 0 0
FIRST TR EXCHANGE TRADED FD SMID RISNG ETF 33741X102 319,245 7,459 SH SOLE 7,459 0 0
FIRST TR EXCHANGE TRADED FD NASDQ FOD BVRG 33738R852 867,820 38,787 SH SOLE 38,787 0 0
GARTNER INC COM 366651107 229,156 1,727 SH SOLE 1,727 0 0
GE AEROSPACE COM NEW 369604301 328,522 915 SH SOLE 915 0 0
GE VERNOVA INC COM 36828A101 481,716 448 SH SOLE 448 0 0
GENERAL MILLS INC COM 370334104 1,555,890 43,400 SH SOLE 43,400 0 0
GLOBAL X FDS CYBRSCURTY ETF 37954Y384 327,127 8,008 SH SOLE 8,008 0 0
HIGHLAND OPPS & INCOME FD HIGHLAND INCOME 43010E404 341,320 44,734 SH SOLE 44,734 0 0
HOME DEPOT INC COM 437076102 722,511 2,133 SH SOLE 2,133 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 228,289 2,329 SH SOLE 2,329 0 0
INNOVATOR ETFS TRUST US SMALL CAP PWR 45784N833 346,172 12,187 SH SOLE 12,187 0 0
INNOVATOR ETFS TRUST INTL DE PWR DECE 45783Y426 586,368 17,061 SH SOLE 17,061 0 0
INNOVATOR ETFS TRUST EQUI DU DI OCTO 45784N528 525,329 23,291 SH SOLE 23,291 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540 1,091,556 23,678 SH SOLE 23,678 0 0
INNOVATOR ETFS TRUST US SML CP PWR B 45782C474 299,811 6,564 SH SOLE 6,564 0 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 435,299 7,358 SH SOLE 7,358 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCAP HIG 46138E131 367,572 26,199 SH SOLE 26,199 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 1,493,990 29,049 SH SOLE 29,049 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 2,639,869 111,930 SH SOLE 111,930 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 16,271,272 828,687 SH SOLE 828,687 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478 1,671,385 72,527 SH SOLE 72,527 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 9,840,869 503,498 SH SOLE 503,498 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 6,279,087 338,222 SH SOLE 338,222 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 7,418,711 364,109 SH SOLE 364,109 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486 3,300,321 140,881 SH SOLE 140,881 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494 8,129,899 343,679 SH SOLE 343,679 0 0
INVESCO EXCHANGE TRADED FD T LARGE CAP VALUE 46137V738 1,126,308 14,490 SH SOLE 14,490 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,658,289 12,451 SH SOLE 12,451 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 62,213,480 86,016 SH SOLE 86,016 0 0
ISHARES TR CRE U S REIT ETF 464288521 7,679,820 115,157 SH SOLE 115,157 0 0
ISHARES TR EXPANDED TECH 464287515 671,899 7,157 SH SOLE 7,157 0 0
ISHARES TR S&P MC 400VL ETF 464287705 263,808 1,810 SH SOLE 1,810 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 10,097,586 95,054 SH SOLE 95,054 0 0
ISHARES TR S&P 500 VAL ETF 464287408 2,047,349 8,905 SH SOLE 8,905 0 0
ISHARES TR U.S. TECH ETF 464287721 491,082 1,970 SH SOLE 1,970 0 0
ISHARES TR US HLTHCR PR ETF 464288828 279,770 4,880 SH SOLE 4,880 0 0
ISHARES TR S&P SML 600 GWT 464287887 337,828 1,931 SH SOLE 1,931 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 19,911,565 66,996 SH SOLE 66,996 0 0
ISHARES TR CORE S&P US VLU 464287663 225,585 2,025 SH SOLE 2,025 0 0
ISHARES TR ISHARES BIOTECH 464287556 400,798 2,031 SH SOLE 2,031 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 256,957 2,084 SH SOLE 2,084 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 2,386,314 17,321 SH SOLE 17,321 0 0
ISHARES TR ULTRA SHORT DUR 46434V878 646,884 12,821 SH SOLE 12,821 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 631,939 9,463 SH SOLE 9,463 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,688,555 61,936 SH SOLE 61,936 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 425,029 8,147 SH SOLE 8,147 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 603,625 2,750 SH SOLE 2,750 0 0
ISHARES TR FUTU AI TECH ETF 46435U556 211,615 2,910 SH SOLE 2,910 0 0
ISHARES TR CORE S&P SCP ETF 464287804 7,148,832 49,143 SH SOLE 49,143 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,290,578 4,358 SH SOLE 4,358 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 278,494 3,400 SH SOLE 3,400 0 0
ISHARES TR MSCI ACWI ETF 464288257 576,106 3,669 SH SOLE 3,669 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 54,021,894 1,124,285 SH SOLE 1,124,285 0 0
ISHARES TR EXPND TEC SC ETF 464287549 616,221 3,822 SH SOLE 3,822 0 0
ISHARES TR MSCI EAFE ETF 464287465 922,498 8,877 SH SOLE 8,877 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 15,385,840 304,972 SH SOLE 304,972 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 2,379,441 46,729 SH SOLE 46,729 0 0
J P MORGAN EXCHANGE TRADED F DIVERSFD EQT ETF 46641Q845 8,670,012 145,788 SH SOLE 145,788 0 0
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 602,590 12,320 SH SOLE 12,320 0 0
JOHNSON & JOHNSON COM 478160104 631,686 2,438 SH SOLE 2,438 0 0
JPMORGAN CHASE & CO COM 46625H100 3,493,249 10,413 SH SOLE 10,413 0 0
KIMBERLY-CLARK CORP COM 494368103 1,388,416 12,630 SH SOLE 12,630 0 0
KRAFT HEINZ CO COM 500754106 1,439,140 58,312 SH SOLE 58,312 0 0
LAM RESEARCH CORP COM NEW 512807306 370,829 1,050 SH SOLE 1,050 0 0
LOCKHEED MARTIN CORP COM 539830109 238,918 461 SH SOLE 461 0 0
LULULEMON ATHLETICA INC COM 550021109 467,555 4,013 SH SOLE 4,013 0 0
MCDONALDS CORP COM 580135101 1,122,826 4,061 SH SOLE 4,061 0 0
MERCK & CO INC COM 58933Y105 633,929 5,069 SH SOLE 5,069 0 0
META PLATFORMS INC CL A 30303M102 312,583 495 SH SOLE 495 0 0
MICRON TECHNOLOGY INC COM 595112103 215,186 217 SH SOLE 217 0 0
MICROSOFT CORP COM 594918104 4,141,022 10,774 SH SOLE 10,774 0 0
MODERNA INC COM 60770K107 393,289 5,137 SH SOLE 5,137 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 1,164,912 30,070 SH SOLE 30,070 0 0
MORGAN STANLEY COM NEW 617446448 372,290 1,676 SH SOLE 1,676 0 0
MORGAN STANLEY ETF TRUST EATON VANCE SHRT 61774R858 679,050 13,500 SH SOLE 13,500 0 0
MORGAN STANLEY INDIA INVT FD COM 61745C105 442,067 19,423 SH SOLE 19,423 0 0
NEXTERA ENERGY INC COM 65339F101 591,496 6,791 SH SOLE 6,791 0 0
NORFOLK SOUTHN CORP COM 655844108 388,524 1,200 SH SOLE 1,200 0 0
NOVO-NORDISK A S ADR 670100205 612,271 12,526 SH SOLE 12,526 0 0
NVIDIA CORPORATION COM 67066G104 2,814,884 13,881 SH SOLE 13,881 0 0
ORACLE CORP COM 68389X105 345,984 2,399 SH SOLE 2,399 0 0
OTIS WORLDWIDE CORP COM 68902V107 443,736 6,163 SH SOLE 6,163 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 573,325 4,443 SH SOLE 4,443 0 0
PALO ALTO NETWORKS INC COM 697435105 639,744 1,891 SH SOLE 1,891 0 0
PEPSICO INC COM 713448108 496,020 3,598 SH SOLE 3,598 0 0
PFIZER INC COM 717081103 506,564 20,889 SH SOLE 20,889 0 0
PHILIP MORRIS INTL INC COM 718172109 617,427 3,408 SH SOLE 3,408 0 0
PROCTER & GAMBLE CO COM 742718109 1,093,298 7,445 SH SOLE 7,445 0 0
PVH CORPORATION COM 693656100 257,376 3,330 SH SOLE 3,330 0 0
QUALCOMM INC COM 747525103 442,420 2,315 SH SOLE 2,315 0 0
RTX CORPORATION COM 75513E101 472,189 2,419 SH SOLE 2,419 0 0
SANOFI SA SPONSORED ADR 80105N105 1,607,794 36,624 SH SOLE 36,624 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 79,528,302 2,684,047 SH SOLE 2,684,047 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 45,693,974 1,275,655 SH SOLE 1,275,655 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,243,175 100,525 SH SOLE 100,525 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,353,192 67,292 SH SOLE 67,292 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,958,147 204,818 SH SOLE 204,818 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,676,224 206,784 SH SOLE 206,784 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,412,471 38,890 SH SOLE 38,890 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 21,294,120 114,886 SH SOLE 114,886 0 0
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 259,427 4,671 SH SOLE 4,671 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 261,971 5,230 SH SOLE 5,230 0 0
SPDR SERIES TRUST ST STR SP BIOT 78464A870 413,164 2,515 SH SOLE 2,515 0 0
SPDR SERIES TRUST ST STR PR SP1500 78464A805 4,277,904 46,876 SH SOLE 46,876 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 7,237,023 81,802 SH SOLE 81,802 0 0
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 104,205,021 3,601,971 SH SOLE 3,601,971 0 0
SPDR SERIES TRUST ST STR SP600 SML 78468R853 301,518 5,330 SH SOLE 5,330 0 0
SPDR SERIES TRUST ST STR P400MID 78464A847 4,136,631 62,355 SH SOLE 62,355 0 0
SPDR SERIES TRUST ST STR P500VAL 78464A508 463,971 7,532 SH SOLE 7,532 0 0
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 4,279,139 46,787 SH SOLE 46,787 0 0
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 634,270 1,210 SH SOLE 1,210 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 53,419,833 71,068 SH SOLE 71,068 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,168,852 1,695 SH SOLE 1,695 0 0
STRYKER CORPORATION COM 863667101 245,333 750 SH SOLE 750 0 0
TARGET CORP COM 87612E106 212,558 1,607 SH SOLE 1,607 0 0
TESLA INC COM 88160R101 294,749 725 SH SOLE 725 0 0
TEXAS INSTRS INC COM 882508104 454,773 1,474 SH SOLE 1,474 0 0
TJX COS INC NEW COM 872540109 241,440 1,600 SH SOLE 1,600 0 0
TRACTOR SUPPLY CO COM 892356106 1,327,449 44,072 SH SOLE 44,072 0 0
UNION PAC CORP COM 907818108 3,551,028 12,458 SH SOLE 12,458 0 0
UNITED PARCEL SVCS INC CL B 911312106 435,900 3,936 SH SOLE 3,936 0 0
UNITEDHEALTH GROUP INC COM 91324P102 531,055 1,230 SH SOLE 1,230 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 11,881,694 112,420 SH SOLE 112,420 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 548,172 902 SH SOLE 902 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 330,026 1,510 SH SOLE 1,510 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 391,003 566 SH SOLE 566 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,319,212 17,012 SH SOLE 17,012 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,673,074 17,234 SH SOLE 17,234 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 17,279,085 207,756 SH SOLE 207,756 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 25,928,492 522,120 SH SOLE 522,120 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,077,539 17,088 SH SOLE 17,088 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 454,831 3,864 SH SOLE 3,864 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 1,267,849 4,136 SH SOLE 4,136 0 0
VICTORY CAP HLDGS INC DEL COM CL A 92645B103 263,670 2,949 SH SOLE 2,949 0 0
VISA INC COM CL A 92826C839 577,610 1,659 SH SOLE 1,659 0 0
WALMART INC COM 931142103 879,839 7,841 SH SOLE 7,841 0 0
WASTE MGMT INC DEL COM 94106L109 315,071 1,360 SH SOLE 1,360 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 804,319 9,014 SH SOLE 9,014 0 0
ZOETIS INC CL A 98978V103 1,165,767 15,527 SH SOLE 15,527 0 0