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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
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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
APPLE INC COM 037833100 2,333,110 8,063 SH SOLE 0 0 8,063
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 706,550 1,412 SH SOLE 0 0 1,412
DATAVAULT AI INC COM SHS 86633R609 6,923 19,780 SH SOLE 0 0 19,780
ISHARES TR 0-3 MTH TREASURY 46436E718 3,520,725 34,973 SH SOLE 0 0 34,973
ISHARES TR MSCI USA MIN ETF 46429B697 8,309,166 86,141 SH SOLE 0 0 86,141
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 12,040,043 232,523 SH SOLE 0 0 232,523
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 21,962,985 435,860 SH SOLE 0 0 435,860
SPDR SERIES TRUST ST INTER BD ETF 78464A375 14,695,419 439,193 SH SOLE 0 0 439,193
SPDR SERIES TRUST ST INTER ETF 78464A672 28,926,319 1,018,891 SH SOLE 0 0 1,018,891
SPDR SERIES TRUST ST STR BACKE ETF 78464A383 13,803,118 618,696 SH SOLE 0 0 618,696
SPDR SERIES TRUST ST STR P500GRW 78464A409 51,127,884 429,682 SH SOLE 0 0 429,682
SPDR SERIES TRUST ST STR P500VAL 78464A508 50,481,893 830,431 SH SOLE 0 0 830,431
SPDR SERIES TRUST ST STR SP600 SML 78468R853 18,124,710 314,283 SH SOLE 0 0 314,283
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 9,028,622 75,788 SH SOLE 0 0 75,788
SPDR SERIES TRUST ST STR SP600SM C 78464A300 8,563,493 78,485 SH SOLE 0 0 78,485
VANGUARD INDEX FDS TOTAL STK MKT 922908769 436,647 1,180 SH SOLE 0 0 1,180