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
ADVANCED MICRO DEVICES INC COM 007903107 222,489 383 SH SOLE 0 0 383
ALPHABET INC CAP STK CL C 02079K107 474,363 1,343 SH SOLE 0 0 1,343
AMAZON COM INC COM 023135106 768,647 3,225 SH SOLE 0 0 3,225
AMERICAN EXPRESS CO COM 025816109 428,225 1,266 SH SOLE 0 0 1,266
AMERIPRISE FINL INC COM 03076C106 434,446 947 SH SOLE 0 0 947
ANHEUSER BUSCH INBEV SA NV SPONSORED ADR 03524A108 399,146 4,844 SH SOLE 0 0 4,844
APPLE INC COM 037833100 1,913,429 6,613 SH SOLE 0 0 6,613
ARISTA NETWORKS INC COM SHS 040413205 618,363 3,640 SH SOLE 0 0 3,640
ASTRAZENECA PLC ORD G0593M107 335,627 1,770 SH SOLE 0 0 1,770
BANK OF AMER CORP COM 060505104 259,601 4,556 SH SOLE 0 0 4,556
BARRICK MNG CORP COM SHS 06849F108 408,511 11,122 SH SOLE 0 0 11,122
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 813,134 1,625 SH SOLE 0 0 1,625
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,995,400 4 SH SOLE 0 0 4
BLACKSTONE INC COM 09260D107 367,719 3,125 SH SOLE 0 0 3,125
BROADCOM INC COM 11135F101 272,149 720 SH SOLE 0 0 720
COSTCO WHOLESALE CORPORATION COM 22160K105 544,450 582 SH SOLE 0 0 582
CSX CORP COM 126408103 384,607 8,092 SH SOLE 0 0 8,092
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 281,317 2,074 SH SOLE 0 0 2,074
ELI LILLY & CO COM 532457108 629,701 525 SH SOLE 0 0 525
INTEL CORP COM 458140100 285,962 2,048 SH SOLE 0 0 2,048
INTERNATIONAL BUSINESS MACHS COM 459200101 414,504 1,474 SH SOLE 0 0 1,474
ISHARES TR RUS 1000 GRW ETF 464287614 248,837 2,004 SH SOLE 0 0 2,004
ISHARES TR IBONDS DEC2026 46435GAA0 280,680 11,584 SH SOLE 0 0 11,584
ISHARES TR S&P SML 600 GWT 464287887 315,408 1,766 SH SOLE 0 0 1,766
ISHARES TR FUTU EXPO TE ETF 46434V381 353,409 4,277 SH SOLE 0 0 4,277
ISHARES TR IBONDS DEC 28 46435U325 439,081 17,165 SH SOLE 0 0 17,165
ISHARES TR IBONDS DEC 27 46435U283 453,162 17,827 SH SOLE 0 0 17,827
ISHARES TR MSCI USA MIN ETF 46429B697 576,734 5,979 SH SOLE 0 0 5,979
ISHARES TR MSCI USA QLT FCT 46432F339 733,774 3,344 SH SOLE 0 0 3,344
ISHARES TR IBONDS DEC 2030 46438G687 923,921 35,714 SH SOLE 0 0 35,714
ISHARES TR IBONDS DEC 2029 46436E167 931,889 36,703 SH SOLE 0 0 36,703
ISHARES TR CORE S&P SCP ETF 464287804 4,858,166 32,757 SH SOLE 0 0 32,757
ISHARES TR CORE S&P MCP ETF 464287507 4,993,346 64,756 SH SOLE 0 0 64,756
ISHARES TR IBONDS 27 ETF 46435UAA9 7,491,935 309,328 SH SOLE 0 0 309,328
ISHARES TR IBONDS DEC 29 46436E209 7,619,895 329,011 SH SOLE 0 0 329,011
ISHARES TR IBDS DEC28 ETF 46435U515 7,714,687 305,532 SH SOLE 0 0 305,532
ISHARES TR IBONDS DEC 2033 46436E134 11,646,757 452,389 SH SOLE 0 0 452,389
ISHARES TR IBONDS DEC 2031 46436E486 12,066,256 578,995 SH SOLE 0 0 578,995
ISHARES TR IBONDS DEC 2030 46436E726 12,425,978 569,999 SH SOLE 0 0 569,999
ISHARES TR IBONDS DEC 2032 46436E312 12,776,746 507,215 SH SOLE 0 0 507,215
ISHARES TR IBONDS DEC 2034 46438G653 12,800,058 491,365 SH SOLE 0 0 491,365
ISHARES TR CORE S&P500 ETF 464287200 30,385,866 40,575 SH SOLE 0 0 40,575
KIMCO REALTY CORP COM 49446R109 412,394 16,268 SH SOLE 0 0 16,268
KROGER CO COM 501044101 264,489 4,763 SH SOLE 0 0 4,763
L3HARRIS TECHNOLOGIES INC COM 502431109 236,257 813 SH SOLE 0 0 813
MARVELL TECHNOLOGY INC COM 573874104 997,038 3,347 SH SOLE 0 0 3,347
MASTERCARD INCORPORATED CL A 57636Q104 269,640 525 SH SOLE 0 0 525
META PLATFORMS INC CL A 30303M102 486,738 864 SH SOLE 0 0 864
MICROSOFT CORP COM 594918104 1,803,626 4,835 SH SOLE 0 0 4,835
NETFLIX INC COM 64110L106 746,844 10,460 SH SOLE 0 0 10,460
NVIDIA CORPORATION COM 67066G104 928,559 4,641 SH SOLE 0 0 4,641
ORACLE CORP COM 68389X105 389,676 2,659 SH SOLE 0 0 2,659
PHILLIPS 66 COM 718546104 401,663 2,376 SH SOLE 0 0 2,376
QUANTA SVCS INC COM 74762E106 552,271 767 SH SOLE 0 0 767
QUEST DIAGNOSTICS INC COM 74834L100 307,963 1,453 SH SOLE 0 0 1,453
RTX CORPORATION COM 75513E105 350,052 1,845 SH SOLE 0 0 1,845
SEMPRA COM 816851109 325,227 3,508 SH SOLE 0 0 3,508
SHELL PLC SPON ADS 780259305 277,438 3,578 SH SOLE 0 0 3,578
SOUTHERN CO COM 842587107 372,790 3,895 SH SOLE 0 0 3,895
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 336,202 1,968 SH SOLE 0 0 1,968
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 328,570 12,875 SH SOLE 0 0 12,875
SPDR SERIES TRUST ST STR P500ETF 78464A854 550,140 6,260 SH SOLE 0 0 6,260
SPDR SERIES TRUST ST STR P500GRW 78464A409 24,537,319 206,213 SH SOLE 0 0 206,213
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,174,669 1,573 SH SOLE 0 0 1,573
STMICROELECTRONICS N V NY REGISTRY 861012102 243,393 3,250 SH SOLE 0 0 3,250
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 906,428 1,898 SH SOLE 0 0 1,898
TEXAS INSTRS INC COM 882508104 475,422 1,595 SH SOLE 0 0 1,595
TJX COS INC NEW COM 872540109 203,465 1,343 SH SOLE 0 0 1,343
T-MOBILE US INC COM 872590104 398,023 2,373 SH SOLE 0 0 2,373
TOLL BROTHERS INC COM 889478103 379,584 2,304 SH SOLE 0 0 2,304
TRANE TECHNOLOGIES PLC SHS G8994E103 498,527 1,015 SH SOLE 0 0 1,015
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 414,146 603 SH SOLE 0 0 603
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 24,198,647 339,630 SH SOLE 0 0 339,630
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 12,955,773 81,983 SH SOLE 0 0 81,983
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 10,784,983 65,983 SH SOLE 0 0 65,983