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
ADOBE INC COM 00724F101 218,961 1,068 SH DFND 1 0 0 1,068
ABBVIE INC COM 00287Y109 465,381 1,849 SH DFND 1 0 0 1,849
ADVANCED MICRO DEVICES INC COM 007903107 63,900 110 SH SOLE 0 0 110
ABBVIE INC COM 00287Y109 422,755 1,680 SH SOLE 0 0 1,680
ADVANCED MICRO DEVICES INC COM 007903107 560,993 966 SH DFND 1 0 0 966
AEROVIRONMENT INC COM 008073108 957,406 5,800 SH SOLE 0 0 5,800
ISHARES U S ETF TR SHOR DURA BD ETF 46431W507 1,011,022 19,957 SH SOLE 0 0 19,957
BROADCOM INC COM 11135F101 2,590,594 6,858 SH DFND 1 0 0 6,858
ORACLE CORP COM 68389X105 2,800,014 19,106 SH DFND 1 0 0 19,106
QUANTA SVCS INC COM 74762E102 5,903,532 8,199 SH DFND 1 0 0 8,199
VANGUARD INDEX FDS MID CAP ETF 922908629 56,399 700 SH SOLE 0 0 700
ISHARES TR MSCI USA QLT FCT 46432F339 34,472 157 SH DFND 1 0 0 157
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 32,326,313 525,973 SH DFND 1 0 0 525,973
CORSAIR GAMING INC COM 22041X102 171,865 17,773 SH SOLE 0 0 17,773
MICRON TECHNOLOGY INC COM 595112103 525,202 455 SH SOLE 0 0 455
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,029 101 SH SOLE 0 0 101
SPDR SERIES TRUST ST TERM HIGH ETF 78468R408 8,660,192 345,992 SH DFND 1 0 0 345,992
ARK ETF TR INNOVATION ETF 00214Q104 811,271 10,038 SH SOLE 0 0 10,038
ISHARES TR CORE 80 20 ETF 464289859 2,733 28 SH SOLE 0 0 28
ALPHABET INC CAP STK CL C 02079K107 412,397 1,167 SH DFND 1 0 0 1,167
SPDR SERIES TRUST ST TERM HIGH ETF 78468R408 71,336 2,850 SH SOLE 0 0 2,850
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 390,129 2,048 SH DFND 1 0 0 2,048
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 1,926,157 10,110 SH SOLE 0 0 10,110
DOORDASH INC CL A 25809K105 651,944 3,533 SH DFND 1 0 0 3,533
KIMBERLY-CLARK CORP COM 494368103 923,056 8,409 SH SOLE 0 0 8,409
VERIZON COMMUNICATIONS INC COM 92343V104 321,107 7,584 SH SOLE 0 0 7,584
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 666,713 13,181 SH DFND 1 0 0 13,181
CROWDSTRIKE HLDGS INC CL A 22788C105 133,550 175 SH SOLE 0 0 175
ENTREPRENEURSHARES SERIES TR ERSH PRI PUB ETF 293828877 249,443 11,850 SH SOLE 0 0 11,850
JOHNSON & JOHNSON COM 478160104 566,607 2,231 SH SOLE 0 0 2,231
CROWDSTRIKE HLDGS INC CL A 22788C105 176,976 232 SH DFND 1 0 0 232
NVIDIA CORPORATION COM 67066G104 9,785,474 48,905 SH DFND 1 0 0 48,905
TEXAS INSTRS INC COM 882508104 1,305,392 4,379 SH DFND 1 0 0 4,379
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 6,566,159 116,256 SH DFND 1 0 0 116,256
T-MOBILE US INC COM 872590104 1,132,996 6,755 SH DFND 1 0 0 6,755
NETFLIX INC. COM 64110L106 1,553,528 21,758 SH DFND 1 0 0 21,758
RAYMOND JAMES FINL INC COM 754730109 1,140,497 7,502 SH DFND 1 0 0 7,502
ASTRAZENECA PLC ORD G0593M107 1,330,374 7,016 SH DFND 1 0 0 7,016
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 10,659,601 67,185 SH DFND 1 0 0 67,185
ELI LILLY & CO COM 532457108 195,746 163 SH SOLE 0 0 163
AMGEN INC COM 031162100 48,524 134 SH DFND 1 0 0 134
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 4,121,018 13,602 SH DFND 1 0 0 13,602
MICROSOFT CORP COM 594918104 1,021,166 2,738 SH SOLE 0 0 2,738
GE AEROSPACE COM NEW 369604301 3,374,294 9,029 SH DFND 1 0 0 9,029
CISCO SYS INC COM 17275R102 446,818 3,804 SH SOLE 0 0 3,804
UNITEDHEALTH GROUP INC COM 91324P102 822,532 1,979 SH SOLE 0 0 1,979
APPLE INC COM 037833100 8,976,469 31,022 SH DFND 1 0 0 31,022
JOHNSON CONTROLS INTERNATION SHS G51502105 29,222 200 SH SOLE 0 0 200
MICRON TECHNOLOGY INC COM 595112103 1,626,395 1,409 SH DFND 1 0 0 1,409
PHILLIPS 66 COM 718546104 1,537,618 9,096 SH DFND 1 0 0 9,096
FORD MTR CO COM 345370860 729,528 52,484 SH SOLE 0 0 52,484
TOLL BROTHERS INC COM 889478103 1,087,886 6,603 SH DFND 1 0 0 6,603
BAUSCH HEALTH COS INC COM 071734107 359,737 72,969 SH SOLE 0 0 72,969
CARNIVAL CORP LTD COMMON SHARES G2004J103 143 5 SH DFND 1 0 0 5
SPDR SERIES TRUST ST STR SP SEMI 78464A862 355,509 570 SH SOLE 0 0 570
ISHARES TR CORE 40 MODE ETF 464289875 230,645 4,623 SH DFND 1 0 0 4,623
CARNIVAL CORP LTD COMMON SHARES G2004J103 872,471 30,538 SH SOLE 0 0 30,538
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 1,336 9 SH SOLE 0 0 9
ISHARES TR CORE 60 BALA ETF 464289867 1,460 21 SH SOLE 0 0 21
PHILIP MORRIS INTL INC COM 718172109 18,091 100 SH SOLE 0 0 100
ATMOS ENERGY CORP COM 049560105 680,865 3,952 SH DFND 1 0 0 3,952
ORACLE CORP COM 68389X105 19,193 131 SH SOLE 0 0 131
TEXAS INSTRS INC COM 882508104 126,765 425 SH SOLE 0 0 425
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 4,784 16 SH SOLE 0 0 16
WALMART INC COM 931142103 1,270,527 11,218 SH DFND 1 0 0 11,218
THERMO FISHER SCIENTIFIC INC COM 883556102 868,464 1,732 SH DFND 1 0 0 1,732
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 54,877,455 531,655 SH DFND 1 0 0 531,655
ARISTA NETWORKS INC COM SHS 040413205 67,952 400 SH SOLE 0 0 400
JOHNSON CONTROLS INTERNATION SHS G51502105 172,104 1,178 SH DFND 1 0 0 1,178
META PLATFORMS INC CL A 30303M102 418,782 743 SH SOLE 0 0 743
JPMORGAN CHASE & CO COM 46625H100 124,757 381 SH SOLE 0 0 381
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 3,934 29 SH SOLE 0 0 29
DEVON ENERGY CORP NEW COM 25179M103 892,967 21,611 SH SOLE 0 0 21,611
WALMART INC COM 931142103 1,019 9 SH SOLE 0 0 9
NEXTERA ENERGY INC COM 65339F101 704,618 8,028 SH SOLE 0 0 8,028
PPG INDS INC COM 693506107 231,664 1,910 SH DFND 1 0 0 1,910
AMERICAN EXPRESS CO COM 025816109 3,034,220 8,970 SH DFND 1 0 0 8,970
US BANCORP COM NEW 902973304 332,312 5,502 SH DFND 1 0 0 5,502
HP INC COM 40434L105 969,989 44,211 SH SOLE 0 0 44,211
GOLDMAN SACHS GROUP INC COM 38141G104 812,130 803 SH SOLE 0 0 803
FREEPORT MCMORAN INC CL B 35671D857 2,012 32 SH DFND 1 0 0 32
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107 362,480 1,527 SH DFND 1 0 0 1,527
ETF SER SOLUTIONS DEFIA QUANT ETF 26922A420 229,785 1,389 SH DFND 1 0 0 1,389
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 35,027 51 SH SOLE 0 0 51
DOUGLAS EMMETT INC COM 25960P109 151,842 12,868 SH DFND 1 0 0 12,868
BANK OF AMER CORP COM 060505104 266,336 4,674 SH SOLE 0 0 4,674
PHILLIPS 66 COM 718546104 45,874 271 SH SOLE 0 0 271
APPLE INC COM 037833100 6,483,338 22,406 SH SOLE 0 0 22,406
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 1,065,996 6,239 SH DFND 1 0 0 6,239
AMERICAN ELEC PWR CO INC COM 025537101 123,539 903 SH DFND 1 0 0 903
JETBLUE AIRWAYS CORP COM 477143101 63,030 11,000 SH SOLE 0 0 11,000
ALPHABET INC CAP STK CL A 02079K305 179,310 502 SH SOLE 0 0 502
ALPHABET INC CAP STK CL A 02079K305 5,969,141 16,703 SH DFND 1 0 0 16,703
VANGUARD INDEX FDS MID CAP ETF 922908629 156,047 1,937 SH DFND 1 0 0 1,937
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 4,612,332 31,074 SH DFND 1 0 0 31,074
CONSTELLATION ENERGY CORP COM 21037T109 1,585,903 6,385 SH DFND 1 0 0 6,385
WASTE MGMT INC DEL COM 94106L109 22,288 100 SH SOLE 0 0 100
ISHARES TR RUS 1000 GRW ETF 464287614 10,362,921 83,458 SH DFND 1 0 0 83,458
VANGUARD INDEX FDS VALUE ETF 922908744 329,292 1,511 SH SOLE 0 0 1,511
MARVELL TECHNOLOGY INC COM 573874104 75,962 255 SH SOLE 0 0 255
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,164,871 97,601 SH DFND 1 0 0 97,601
UNITEDHEALTH GROUP INC COM 91324P102 416 1 SH DFND 1 0 0 1
PARKER-HANNIFIN CORP COM 701094104 1,152,569 1,178 SH DFND 1 0 0 1,178
NETAPP INC COM 64110D104 1,288,841 8,328 SH DFND 1 0 0 8,328
SOUTHERN CO COM 842587107 599,764 6,266 SH SOLE 0 0 6,266
SLB LIMITED COM STK 806857108 242,771 5,222 SH DFND 1 0 0 5,222
ISHARES TR RUS 1000 GRW ETF 464287614 49,668 400 SH SOLE 0 0 400
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 9,900 186 SH DFND 1 0 0 186
SHELL PLC SPON ADS 780259305 1,108,316 14,293 SH DFND 1 0 0 14,293
AMENTUM HOLDINGS INC COM 023939101 681,159 32,954 SH SOLE 0 0 32,954
REGENERON PHARMACEUTICALS COM 75886F107 331,760 532 SH DFND 1 0 0 532
HOME DEPOT INC COM 437076102 12,738 36 SH DFND 1 0 0 36
SCHWAB CHARLES CORP COM 808513105 523,678 5,675 SH DFND 1 0 0 5,675
VANGUARD INDEX FDS VALUE ETF 922908744 31,434,558 144,242 SH DFND 1 0 0 144,242
BLACKSTONE INC COM 09260D107 30,606 260 SH SOLE 0 0 260
VERTIV HOLDINGS CO COM CL A 92537N108 234,374 700 SH SOLE 0 0 700
BARRICK MNG CORP COM SHS 06849F108 939,655 25,583 SH DFND 1 0 0 25,583
GE VERNOVA INC COM 36828A101 254,945 217 SH DFND 1 0 0 217
APPLIED MATLS INC COM 038222105 8,007,896 11,076 SH DFND 1 0 0 11,076
SNOWFLAKE INC COM SHS 833445109 2,155,645 8,470 SH DFND 1 0 0 8,470
SLB LIMITED COM STK 806857108 13,296 286 SH SOLE 0 0 286
JPMORGAN CHASE & CO COM 46625H100 5,174,060 15,807 SH DFND 1 0 0 15,807
GOLDMAN SACHS ETF TR NASDA 100 ETF 38149W630 637,630 10,751 SH DFND 1 0 0 10,751
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 708,238 2,480 SH SOLE 0 0 2,480
HOME DEPOT INC COM 437076102 452,860 1,284 SH SOLE 0 0 1,284
DIAMONDBACK ENERGY INC COM 25278X109 409,567 2,330 SH DFND 1 0 0 2,330
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,322,130 15,465 SH DFND 1 0 0 15,465
PALO ALTO NETWORKS INC COM 697435105 3,509,631 10,292 SH DFND 1 0 0 10,292
KIMCO REALTY CORP COM 49446R109 1,346,541 53,118 SH DFND 1 0 0 53,118
NEW YORK LIFE INVTS ACTIVE E MACKAY MUN INTER 45409F827 16,163,862 663,814 SH DFND 1 0 0 663,814
BLACKSTONE INC COM 09260D107 1,204,983 10,240 SH DFND 1 0 0 10,240
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 15,866 100 SH SOLE 0 0 100
GOLDMAN SACHS GROUP INC COM 38141G104 111,732 110 SH DFND 1 0 0 110
IQVIA HLDGS INC COM 46266C105 972,283 5,032 SH DFND 1 0 0 5,032
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 65,349 610 SH DFND 1 0 0 610
SPDR GOLD TR GOLD SHS 78463V107 114,935 312 SH SOLE 0 0 312
MACYS INC COM 55616P104 1,099,761 46,699 SH SOLE 0 0 46,699
QUALCOMM INC COM 747525103 644,732 3,489 SH SOLE 0 0 3,489
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,762,429 15,711 SH DFND 1 0 0 15,711
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 7,365 75 SH SOLE 0 0 75
SPDR SERIES TRUST ST STR R1K YLD 78468R770 14,546,588 113,557 SH DFND 1 0 0 113,557
GE AEROSPACE COM NEW 369604301 112,119 300 SH SOLE 0 0 300
KROGER CO COM 501044101 3,368 61 SH SOLE 0 0 61
SPDR SERIES TRUST ST STR P500ETF 78464A854 5,082,792 57,838 SH DFND 1 0 0 57,838
ISHARES INC CORE MSCI EMKT 46434G103 6,364,969 76,834 SH DFND 1 0 0 76,834
T-MOBILE US INC COM 872590104 20,335 121 SH SOLE 0 0 121
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 9,047,081 70,785 SH DFND 1 0 0 70,785
BLACKROCK INC COM 09290D101 2,074,107 2,157 SH DFND 1 0 0 2,157
CARLISLE COS INC COM 142339100 241,592 666 SH SOLE 0 0 666
BANK OF NY MELLON CORP COM 064058100 2,276,649 15,743 SH DFND 1 0 0 15,743
NASDAQ INC COM 631103108 950,283 12,056 SH DFND 1 0 0 12,056
ECOLAB INC COM 278865100 887,517 3,186 SH DFND 1 0 0 3,186
MARVELL TECHNOLOGY INC COM 573874104 4,169,335 13,996 SH DFND 1 0 0 13,996
DANAHER CORP DEL COM 235851102 1,054,299 5,535 SH DFND 1 0 0 5,535
UNITED RENTALS INC COM 911363109 2,719,036 2,400 SH DFND 1 0 0 2,400
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,924 27 SH SOLE 0 0 27
ISHARES TR MSCI USA QLT FCT 46432F339 886,497 4,040 SH SOLE 0 0 4,040
CONSTELLATION ENERGY CORP COM 21037T109 24,837 100 SH SOLE 0 0 100
RTX CORPORATION COM 75513E101 34,151 180 SH SOLE 0 0 180
COSTCO WHOLESALE CORPORATION COM 22160K105 117,823 126 SH SOLE 0 0 126
JOHNSON & JOHNSON COM 478160104 247,737 975 SH DFND 1 0 0 975
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839 206,495 9,235 SH DFND 1 0 0 9,235
AMENTUM HOLDINGS INC COM 023939101 951 46 SH DFND 1 0 0 46
EXXON MOBIL CORP COM 30231G102 467,296 3,418 SH DFND 1 0 0 3,418
VANGUARD INDEX FDS GROWTH ETF 922908736 331,160 3,844 SH DFND 1 0 0 3,844
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 202,655 424 SH SOLE 0 0 424
DEXCOM INC COM 252131107 933,202 13,856 SH DFND 1 0 0 13,856
UBER TECHNOLOGIES INC COM 90353T100 1,358,773 18,830 SH DFND 1 0 0 18,830
INTERNATIONAL BUSINESS MACHS COM 459200101 1,828,220 6,501 SH DFND 1 0 0 6,501
COSTCO WHOLESALE CORPORATION COM 22160K105 4,325,385 4,624 SH DFND 1 0 0 4,624
WASTE MGMT INC DEL COM 94106L109 1,414,694 6,347 SH DFND 1 0 0 6,347
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 57,327 1,015 SH SOLE 0 0 1,015
MASTERCARD INCORPORATED CL A 57636Q104 2,288,478 4,456 SH DFND 1 0 0 4,456
ARISTA NETWORKS INC COM SHS 040413205 5,452,727 32,098 SH DFND 1 0 0 32,098
S&P GLOBAL INC COM 78409V104 1,352,830 3,322 SH DFND 1 0 0 3,322
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 394,158 2,440 SH SOLE 0 0 2,440
DOLLAR GEN CORP COM 256677105 208,579 1,812 SH DFND 1 0 0 1,812
EXXON MOBIL CORP COM 30231G102 730,085 5,340 SH SOLE 0 0 5,340
MORGAN STANLEY COM NEW 617446448 102,474 490 SH DFND 1 0 0 490
GE VERNOVA INC COM 36828A101 88,115 75 SH SOLE 0 0 75
INTEL CORP COM 458140100 20,945 150 SH DFND 1 0 0 150
ISHARES TR ULTRA SHORT DUR 46434V878 5,830,651 115,276 SH DFND 1 0 0 115,276
NEW YORK TIMES CO MTN BE CL A 650111107 1,027,739 14,686 SH DFND 1 0 0 14,686
ALPHABET INC CAP STK CL C 02079K107 280,897 795 SH SOLE 0 0 795
ANHEUSER BUSCH INBEV SA NV SPONSORED ADR 03524A108 1,248,924 15,157 SH DFND 1 0 0 15,157
INVESCO EXCHANGE TRADED FD T SEMICONDUCTORS 46137V647 755,976 4,025 SH SOLE 0 0 4,025
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 7,743 49 SH SOLE 0 0 49
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 5,201,609 10,892 SH DFND 1 0 0 10,892
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 2,911,529 35,240 SH DFND 1 0 0 35,240
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 7,218 145 SH SOLE 0 0 145
SOUTHERN CO COM 842587107 1,070,220 11,182 SH DFND 1 0 0 11,182
NVIDIA CORPORATION COM 67066G104 880,842 4,402 SH SOLE 0 0 4,402
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 8,372 49 SH SOLE 0 0 49
LOCKHEED MARTIN CORP COM 539830109 613,899 1,205 SH SOLE 0 0 1,205
TJX COS INC NEW COM 872540109 1,214,394 8,016 SH DFND 1 0 0 8,016
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 7,020,401 141,029 SH DFND 1 0 0 141,029
VANGUARD INDEX FDS SMALL CP ETF 922908751 45,468 150 SH SOLE 0 0 150
ARK ETF TR INNOVATION ETF 00214Q104 32,328 400 SH DFND 1 0 0 400
TRANE TECHNOLOGIES PLC SHS G8994E103 3,627,849 7,386 SH DFND 1 0 0 7,386
GENERAL DYNAMICS CORP COM 369550108 1,523,853 4,302 SH DFND 1 0 0 4,302
ELI LILLY & CO COM 532457108 6,872,573 5,730 SH DFND 1 0 0 5,730
SHELL PLC SPON ADS 780259305 38,770 500 SH SOLE 0 0 500
VANGUARD WORLD FD FINANCIALS ETF 92204A405 3,225,646 24,511 SH DFND 1 0 0 24,511
CSX CORP COM 126408103 2,396,416 50,419 SH DFND 1 0 0 50,419
QUANTA SVCS INC COM 74762E102 32,402 45 SH SOLE 0 0 45
KLA CORP COM NEW 482480100 3,052,963 10,119 SH DFND 1 0 0 10,119
GENUINE PARTS CO COM 372460105 292,254 2,477 SH DFND 1 0 0 2,477
PFIZER INC COM 717081103 1,105,296 45,901 SH SOLE 0 0 45,901
VERTIV HOLDINGS CO COM CL A 92537N108 254,128 759 SH DFND 1 0 0 759
KROGER CO COM 501044101 1,004,154 18,083 SH DFND 1 0 0 18,083
INTERNATIONAL BUSINESS MACHS COM 459200101 1,508,129 5,363 SH SOLE 0 0 5,363
VANGUARD INDEX FDS TOTAL STK MKT 922908769 12,108,339 32,722 SH DFND 1 0 0 32,722
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 7,686 93 SH SOLE 0 0 93
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 207,623 2,914 SH DFND 1 0 0 2,914
HOWMET AEROSPACE INC COM 443201108 1,465,125 5,449 SH DFND 1 0 0 5,449
BEST BUY INC COM 086516101 997,367 13,144 SH SOLE 0 0 13,144
ELEVANCE HEALTH INC FORMERLY COM 036752103 633,850 1,639 SH DFND 1 0 0 1,639
MICROSOFT CORP COM 594918104 3,883,205 10,410 SH DFND 1 0 0 10,410
ISHARES TR CORE 80 20 ETF 464289859 209,338 2,145 SH DFND 1 0 0 2,145
BLACKROCK ETF TRUST II ISH HIG MUN ETF 092528843 539,597 10,835 SH DFND 1 0 0 10,835
TRAVELERS COMPANIES INC COM 89417E109 319,556 968 SH DFND 1 0 0 968
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 920,662 17,335 SH SOLE 0 0 17,335
FREEPORT MCMORAN INC CL B 35671D857 534,251 8,495 SH SOLE 0 0 8,495
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 430,035 10,716 SH DFND 1 0 0 10,716
AMERIPRISE FINL INC COM 03076C106 1,540,181 3,357 SH DFND 1 0 0 3,357
SPDR GOLD TR GOLD SHS 78463V107 204,819 556 SH DFND 1 0 0 556
NETFLIX INC. COM 64110L106 747,844 10,474 SH SOLE 0 0 10,474
MORGAN STANLEY COM NEW 617446448 704,673 3,371 SH SOLE 0 0 3,371
AMAZON COM INC COM 023135106 2,999,884 12,587 SH DFND 1 0 0 12,587
ISHARES TR FLTG RATE NT ETF 46429B655 1,026,973 20,117 SH SOLE 0 0 20,117
QUEST DIAGNOSTICS INC COM 74834L100 1,217,175 5,743 SH DFND 1 0 0 5,743
TESLA INC COM 88160R101 424,134 1,008 SH DFND 1 0 0 1,008
PHILIP MORRIS INTL INC COM 718172109 782,255 4,324 SH DFND 1 0 0 4,324
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,736 32 SH SOLE 0 0 32
VERIZON COMMUNICATIONS INC COM 92343V104 145,523 3,437 SH DFND 1 0 0 3,437
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100 289,706 1,640 SH SOLE 0 0 1,640
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 13,892,473 305,396 SH DFND 1 0 0 305,396
AMERICAN EXPRESS CO COM 025816109 237,298 702 SH SOLE 0 0 702
AT&T INC COM 00206R102 204,185 9,864 SH DFND 1 0 0 9,864
HILTON WORLDWIDE HLDGS INC COM 43300A203 474,871 1,437 SH DFND 1 0 0 1,437
RESTAURANT BRANDS INTL INC COM 76131D103 1,543,632 21,289 SH DFND 1 0 0 21,289
MERCK & CO INC COM 58933Y105 237,317 1,847 SH SOLE 0 0 1,847
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 206,109 276 SH SOLE 0 0 276
MERCK & CO INC COM 58933Y105 552,968 4,303 SH DFND 1 0 0 4,303
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 2,328,644 7,788 SH DFND 1 0 0 7,788
WELLS FARGO & CO COM 949746101 889,614 10,765 SH DFND 1 0 0 10,765
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 40,098,496 53,696 SH DFND 1 0 0 53,696
WELLS FARGO & CO COM 949746101 8,264 100 SH SOLE 0 0 100
AT&T INC COM 00206R102 111,449 5,384 SH SOLE 0 0 5,384
TRANE TECHNOLOGIES PLC SHS G8994E103 87,030 177 SH SOLE 0 0 177
META PLATFORMS INC CL A 30303M102 4,071,711 7,228 SH DFND 1 0 0 7,228
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 552,055 4,070 SH DFND 1 0 0 4,070
BANK OF AMER CORP COM 060505104 2,205,781 38,711 SH DFND 1 0 0 38,711
BLACKROCK INC COM 09290D101 49,766 52 SH SOLE 0 0 52
AMERICAN ELEC PWR CO INC COM 025537101 264,562 1,934 SH SOLE 0 0 1,934
AMERIPRISE FINL INC COM 03076C106 78,150 170 SH SOLE 0 0 170
INTEL CORP COM 458140100 256,221 1,835 SH SOLE 0 0 1,835
ISHARES TR MRGSTR MD CP VAL 464288406 5,897,867 64,544 SH DFND 1 0 0 64,544
VISA INC COM CL A 92826C839 2,467,871 7,193 SH DFND 1 0 0 7,193
AMAZON COM INC COM 023135106 445,696 1,870 SH SOLE 0 0 1,870
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 6,430,644 49,315 SH DFND 1 0 0 49,315
PALO ALTO NETWORKS INC COM 697435105 34,102 100 SH SOLE 0 0 100
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 26,378,205 520,742 SH DFND 1 0 0 520,742
BARRICK MNG CORP COM SHS 06849F108 816,141 22,220 SH SOLE 0 0 22,220
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597 5,551,884 99,550 SH DFND 1 0 0 99,550
ISHARES TR CORE S&P MCP ETF 464287507 7,857,883 101,905 SH DFND 1 0 0 101,905
KRAFT HEINZ CO COM 500754106 1,057,420 44,768 SH SOLE 0 0 44,768
CISCO SYS INC COM 17275R102 343,680 2,926 SH DFND 1 0 0 2,926
MCKESSON CORP COM 58155Q103 857,787 1,135 SH DFND 1 0 0 1,135
MASTERCARD INCORPORATED CL A 57636Q104 20,789 40 SH SOLE 0 0 40
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 310,114 452 SH DFND 1 0 0 452
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 5,216 40 SH SOLE 0 0 40
CAPITAL ONE FINL CORP COM 14040H105 217,271 1,083 SH DFND 1 0 0 1,083
BROADCOM INC COM 11135F101 339,975 900 SH SOLE 0 0 900
KIMBERLY-CLARK CORP COM 494368103 77,607 707 SH DFND 1 0 0 707
NXP SEMICONDUCTORS N V COM N6596X109 238,032 847 SH DFND 1 0 0 847
AMERICAN AIRLINES GROUP INC COM 02376R102 500,503 27,698 SH SOLE 0 0 27,698
RTX CORPORATION COM 75513E101 326,966 1,723 SH DFND 1 0 0 1,723
GOLDMAN SACHS ETF TR S&P 500 PREMIUM 38149W622 4,425,460 79,638 SH DFND 1 0 0 79,638
VANGUARD INDEX FDS GROWTH ETF 922908736 3,618 42 SH SOLE 0 0 42
L3HARRIS TECHNOLOGIES INC COM 502431109 864,010 2,973 SH DFND 1 0 0 2,973
NEXTERA ENERGY INC COM 65339F101 364,338 4,151 SH DFND 1 0 0 4,151
BP PLC SPONSORED ADR 055622104 812,937 22,001 SH SOLE 0 0 22,001
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 54,950 1,025 SH SOLE 0 0 1,025
QUALCOMM INC COM 747525103 58,326 316 SH DFND 1 0 0 316
ETF SER SOLUTIONS DEFIA QUANT ETF 26922A420 631,752 3,820 SH SOLE 0 0 3,820
LOCKHEED MARTIN CORP COM 539830109 30,568 60 SH DFND 1 0 0 60
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 27,274,997 330,006 SH DFND 1 0 0 330,006
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 13,793,078 257,286 SH DFND 1 0 0 257,286
KEURIG DR PEPPER INC COM 49271V100 371,027 11,336 SH DFND 1 0 0 11,336
US BANCORP COM NEW 902973304 25,006 414 SH SOLE 0 0 414
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 283,359 2,645 SH SOLE 0 0 2,645
APPLIED MATLS INC COM 038222105 144,600 200 SH SOLE 0 0 200
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 33,486 262 SH SOLE 0 0 262
VANGUARD INDEX FDS TOTAL STK MKT 922908769 23,683 64 SH SOLE 0 0 64
VANGUARD WORLD FD FINANCIALS ETF 92204A405 1,184 9 SH SOLE 0 0 9
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,591,358 26,660 SH DFND 1 0 0 26,660
ISHARES TR CORE 60 BALA ETF 464289867 22,547,069 324,418 SH DFND 1 0 0 324,418
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 9,174,057 93,422 SH DFND 1 0 0 93,422
ECOLAB INC COM 278865100 27,724 100 SH SOLE 0 0 100
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 36,315,950 794,660 SH DFND 1 0 0 794,660
UWM HOLDINGS CORPORATION COM CL A 91823B109 498,675 217,762 SH SOLE 0 0 217,762
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839 842,145 37,663 SH SOLE 0 0 37,663
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 9,668,004 61,178 SH DFND 1 0 0 61,178
AMGEN INC COM 031162100 885,112 2,444 SH SOLE 0 0 2,444
LAM RESEARCH CORP COM NEW 512807306 1,832,671 4,229 SH DFND 1 0 0 4,229
VISA INC COM CL A 92826C839 107,153 312 SH SOLE 0 0 312
PNC FINL SVCS GROUP INC COM 693475105 266,492 1,082 SH DFND 1 0 0 1,082
STATE STR CORP COM 857477103 902,740 5,323 SH DFND 1 0 0 5,323
ANALOG DEVICES INC COM 032654105 3,785,366 9,531 SH DFND 1 0 0 9,531
ISHARES TR RUS 1000 VAL ETF 464287598 291,966 1,204 SH DFND 1 0 0 1,204
TESLA INC COM 88160R101 489,999 1,165 SH SOLE 0 0 1,165
FORTINET INC COM 34959E109 331,819 2,160 SH SOLE 0 0 2,160