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
AIR PRODUCTS AND CHEMICALS I COM 009158106 215,487 735 SH SOLE 0 0 735
ALPHABET INC CAP STK CL A 02079K305 1,178,249 3,297 SH SOLE 0 0 3,297
ALPHABET INC CAP STK CL C 02079K107 2,642,908 7,480 SH SOLE 0 0 7,480
AMAZON COM INC COM 023135106 2,657,491 11,150 SH SOLE 0 0 11,150
AMERICAN EXPRESS CO COM 025816109 278,042 822 SH SOLE 0 0 822
AMGEN INC COM 031162100 312,872 864 SH SOLE 0 0 864
APPLE INC COM 037833100 5,268,378 18,207 SH SOLE 0 0 18,207
APPLIED MATLS INC COM 038222105 1,448,169 2,003 SH SOLE 0 0 2,003
ASML HLDG NV N Y REGISTRY SHS N07059210 483,434 243 SH SOLE 0 0 243
AT&T INC COM 00206R102 203,688 9,840 SH SOLE 0 0 9,840
BANK OF AMER CORP COM 060505104 746,153 13,095 SH SOLE 0 0 13,095
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,133,383 2,265 SH SOLE 0 0 2,265
BLACKROCK INC COM 09290D101 628,860 654 SH SOLE 0 0 654
BOEING CO COM 097023105 294,399 1,360 SH SOLE 0 0 1,360
BRISTOL-MYERS SQUIBB CO COM 110122108 276,576 4,800 SH SOLE 0 0 4,800
CATERPILLAR INC COM 149123101 811,454 762 SH SOLE 0 0 762
CHEVRON CORPORATION COM 166764100 623,423 3,761 SH SOLE 0 0 3,761
CISCO SYS INC COM 17275R102 1,096,372 9,334 SH SOLE 0 0 9,334
COCA COLA CO COM 191216100 365,237 4,465 SH SOLE 0 0 4,465
DELL TECHNOLOGIES INC CL C 24703L202 215,730 500 SH SOLE 0 0 500
DISNEY WALT CO COM 254687106 588,790 6,070 SH SOLE 0 0 6,070
ELI LILLY & CO COM 532457108 544,541 454 SH SOLE 0 0 454
EXXON MOBIL CORP COM 30231G102 876,102 6,408 SH SOLE 0 0 6,408
FEDEX CORP COM 31428X106 486,299 1,547 SH SOLE 0 0 1,547
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 348,107 1,315 SH SOLE 0 0 1,315
GOLDMAN SACHS GROUP INC COM 38141G104 431,855 427 SH SOLE 0 0 427
HOME DEPOT INC COM 437076102 1,315,496 3,730 SH SOLE 0 0 3,730
HONEYWELL AEROSPACE INC COM 43849R105 342,011 1,547 SH SOLE 0 0 1,547
HONEYWELL INTL INC COM 438516205 346,373 1,547 SH SOLE 0 0 1,547
INTEL CORP COM 458140100 377,001 2,700 SH SOLE 0 0 2,700
INTERNATIONAL BUSINESS MACHS COM 459200101 222,156 790 SH SOLE 0 0 790
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 779,164 3,662 SH SOLE 0 0 3,662
INVESCO QQQ TR UNIT SER 1 46090E103 5,448,688 7,390 SH SOLE 0 0 7,390
ISHARES INC CORE MSCI EMKT 46434G103 779,939 9,415 SH SOLE 0 0 9,415
ISHARES TR 1 3 YR TREAS BD 464287457 4,632,482 56,418 SH SOLE 0 0 56,418
ISHARES TR CORE MSCI EAFE 46432F842 1,406,398 14,562 SH SOLE 0 0 14,562
ISHARES TR CORE S&P500 ETF 464287200 444,841 594 SH SOLE 0 0 594
ISHARES TR 0-3 MTH TREASURY 46436E718 4,171,060 41,433 SH SOLE 0 0 41,433
ISHARES TR CORE S&P SCP ETF 464287804 1,636,897 11,037 SH SOLE 0 0 11,037
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 1,506,227 29,785 SH SOLE 0 0 29,785
JOHNSON & JOHNSON COM 478160104 1,552,265 6,112 SH SOLE 0 0 6,112
JPMORGAN CHASE & CO COM 46625H100 2,800,100 8,554 SH SOLE 0 0 8,554
LAM RESEARCH CORP COM NEW 512807306 336,039 775 SH SOLE 0 0 775
MASTERCARD INCORPORATED CL A 57636Q104 252,178 491 SH SOLE 0 0 491
MCDONALDS CORP COM 580135101 665,503 2,462 SH SOLE 0 0 2,462
MERCK & CO INC COM 58933Y105 712,330 5,507 SH SOLE 0 0 5,507
META PLATFORMS INC CL A 30303M102 868,030 1,541 SH SOLE 0 0 1,541
MICROSOFT CORP COM 594918104 2,772,285 7,432 SH SOLE 0 0 7,432
NVIDIA CORPORATION COM 67066G104 1,400,830 7,001 SH SOLE 0 0 7,001
PEPSICO INC COM 713448108 494,887 3,655 SH SOLE 0 0 3,655
PFIZER INC COM 717081103 255,417 10,607 SH SOLE 0 0 10,607
PROCTER & GAMBLE CO COM 742718109 843,620 5,753 SH SOLE 0 0 5,753
PUBLIC SVC ENTERPRISE GROUP COM 744573106 440,699 5,430 SH SOLE 0 0 5,430
ROCKWELL AUTOMATION INC COM 773903109 253,481 512 SH SOLE 0 0 512
RTX CORPORATION COM 75513E101 630,852 3,325 SH SOLE 0 0 3,325
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 3,308,007 20,849 SH SOLE 0 0 20,849
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 5,299,480 27,815 SH SOLE 0 0 27,815
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 1,972,565 18,412 SH SOLE 0 0 18,412
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 2,805,313 15,145 SH SOLE 0 0 15,145
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 3,925,243 33,468 SH SOLE 0 0 33,468
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 2,779,352 51,843 SH SOLE 0 0 51,843
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 1,115,659 21,006 SH SOLE 0 0 21,006
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 1,066,282 20,977 SH SOLE 0 0 20,977
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 1,089,749 13,118 SH SOLE 0 0 13,118
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 1,010,130 22,279 SH SOLE 0 0 22,279
SPDR GOLD TR GOLD SHS 78463V107 207,766 564 SH SOLE 0 0 564
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 329,272 628 SH SOLE 0 0 628
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 23,015,310 30,741 SH SOLE 0 0 30,741
TRANE TECHNOLOGIES PLC SHS G8994E103 204,267 415 SH SOLE 0 0 415
UNION PAC CORP COM 907818108 443,360 1,630 SH SOLE 0 0 1,630
UNITEDHEALTH GROUP INC COM 91324P102 422,280 1,016 SH SOLE 0 0 1,016
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,778,774 2,712 SH SOLE 0 0 2,712
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,806,639 87,365 SH SOLE 0 0 87,365
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,884,424 76,720 SH SOLE 0 0 76,720
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,902,264 39,535 SH SOLE 0 0 39,535
VANGUARD INDEX FDS SMALL CP ETF 922908751 389,509 1,285 SH SOLE 0 0 1,285
VANGUARD INDEX FDS MID CAP ETF 922908629 845,502 10,494 SH SOLE 0 0 10,494
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 812,040 9,696 SH SOLE 0 0 9,696
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 299,345 5,015 SH SOLE 0 0 5,015
VANGUARD WORLD FD COMM SRVC ETF 92204A884 612,349 3,328 SH SOLE 0 0 3,328
VANGUARD WORLD FD INF TECH ETF 92204A702 5,665,797 47,404 SH SOLE 0 0 47,404
VERIZON COMMUNICATIONS INC COM 92343V104 529,250 12,500 SH SOLE 0 0 12,500
VISA INC COM CL A 92826C839 1,369,272 3,991 SH SOLE 0 0 3,991
WALMART INC COM 931142103 771,867 6,815 SH SOLE 0 0 6,815