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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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
ISHARES MSCI INTL VALUE FACTOR ETF ETF 46435G409 24,372,821 582,803 SH SOLE 582,803 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 22,050,009 651,596 SH SOLE 651,596 0 0
STATE STREET SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 20,321,783 403,290 SH SOLE 403,290 0 0
JPMORGAN MUNICIPAL ETF ETF 46641Q647 20,124,168 397,279 SH SOLE 397,279 0 0
VANGUARD S&P 500 ETF ETF 922908363 18,245,108 26,565 SH SOLE 26,565 0 0
VANGUARD CORE BOND ETF ETF 922020748 12,927,518 167,384 SH SOLE 167,384 0 0
AVANTIS EMERGING MARKETS EQUITY ETF ETF 025072604 12,686,216 131,477 SH SOLE 131,477 0 0
WISDOMTREE EMERGING MARKETS EX-STATE-OWNED ENTERPRISES FUND ETF 97717X578 12,269,476 249,481 SH SOLE 249,481 0 0
PACER TRENDPILOT US MID CAP ETF ETF 69374H204 11,320,578 270,633 SH SOLE 270,633 0 0
NYLI MACKAY MUNI INTERMEDIATE ETF ETF 45409F827 11,233,020 461,315 SH SOLE 461,315 0 0
JPMORGAN MORTGAGE-BACKED SECURITIES ETF ETF 46654Q575 8,394,889 165,645 SH SOLE 165,645 0 0
WISDOMTREE FLOATING RATE TREASURY FUND ETF 97717Y527 7,383,223 146,638 SH SOLE 146,638 0 0
NVIDIA CORPORATION COM Stock 67066G104 7,015,556 35,062 SH SOLE 35,062 0 0
STATE STREET SPDR S&P 500 ETF ETF 78462F103 5,918,152 7,925 SH SOLE 7,925 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 5,786,611 39,017 SH SOLE 39,017 0 0
NYLI MacKay Muni Short Duration ETF ETF 64953X100 5,569,528 219,844 SH SOLE 219,844 0 0
Real Estate Select Sector SPDR ETF 81369Y860 5,566,096 126,416 SH SOLE 126,416 0 0
APPLE INC COM Stock 037833100 4,179,226 14,443 SH SOLE 14,443 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 3,659,111 10,239 SH SOLE 10,239 0 0
WISDOMTREE U.S. SHORT TERM CORPORATE BOND FUND ETF 97717X156 3,569,462 73,862 SH SOLE 73,862 0 0
MICROSOFT CORP COM Stock 594918104 3,435,514 9,210 SH SOLE 9,210 0 0
UNLIMITED HFGM GLOBAL MACRO ETF ETF 886364363 3,039,555 99,527 SH SOLE 99,527 0 0
WISDOMTREE U.S. HIGH DIVIDEND FUND ETF 97717W208 2,946,937 25,922 SH SOLE 25,922 0 0
STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 2,946,318 32,151 SH SOLE 32,151 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 2,195,460 1,902 SH SOLE 1,902 0 0
XTRACKERS SHORT DURATION HIGH YIELD BOND ETF ETF 233051283 1,999,083 44,994 SH SOLE 44,994 0 0
AMAZON COM INC COM Stock 023135106 1,993,476 8,364 SH SOLE 8,364 0 0
PACER INDUSTRIAL REAL ESTATE ETF ETF 69374H766 1,496,144 37,209 SH SOLE 37,209 0 0
ISHARES TREASURY FLOATING RATE BOND ETF ETF 46434V860 1,479,662 29,225 SH SOLE 29,225 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 1,457,498 9,325 SH SOLE 9,325 0 0
ELI LILLY & CO COM Stock 532457108 1,406,931 1,173 SH SOLE 1,173 0 0
PACER DATA & INFRASTRUCTURE REAL ESTATE ETF ETF 69374H741 1,395,593 43,928 SH SOLE 43,928 0 0
META PLATFORMS INC CL A Stock 30303M102 1,385,130 2,459 SH SOLE 2,459 0 0
EXXONMOBIL HOLDINGS CORP COM SHS Stock 30233Q108 1,256,320 9,189 SH SOLE 9,189 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 1,211,776 3,702 SH SOLE 3,702 0 0
KLA CORP COM NEW Stock 482480100 1,019,780 3,380 SH SOLE 3,380 0 0
BROADCOM INC COM Stock 11135F101 1,014,259 2,685 SH SOLE 2,685 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687 985,742 32,330 SH SOLE 32,330 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107 983,481 1,693 SH SOLE 1,693 0 0
PACER TRENDPILOT US LARGE CAP ETF ETF 69374H105 961,814 16,509 SH SOLE 16,509 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 928,507 3,830 SH SOLE 3,830 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 903,344 11,715 SH SOLE 11,715 0 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499 830,599 7,529 SH SOLE 7,529 0 0
WALMART INC COM Stock 931142103 796,784 7,035 SH SOLE 7,035 0 0
GE AEROSPACE COM NEW Stock 369604301 724,662 1,939 SH SOLE 1,939 0 0
MERCK & CO INC COM Stock 58933Y105 714,974 5,564 SH SOLE 5,564 0 0
VISA INC COM CL A Stock 92826C839 703,335 2,050 SH SOLE 2,050 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 651,245 1,268 SH SOLE 1,268 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 628,490 1,256 SH SOLE 1,256 0 0
STATE STREET SPDR PORTFOLIO CORPORATE BOND ETF ETF 78464A144 620,788 21,377 SH SOLE 21,377 0 0
ENERGY TRANSFER L P COM UT LTD PTN Stock 29273V100 615,970 32,216 SH SOLE 32,216 0 0
CITIGROUP INC COM NEW Stock 172967424 579,015 4,137 SH SOLE 4,137 0 0
ABBVIE INC COM Stock 00287Y109 549,330 2,183 SH SOLE 2,183 0 0
APPLIED MATLS INC COM Stock 038222105 547,311 757 SH SOLE 757 0 0
HOME DEPOT INC COM Stock 437076102 547,007 1,551 SH SOLE 1,551 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 546,248 1,546 SH SOLE 1,546 0 0
CHEVRON CORPORATION COM Stock 166764100 540,709 3,262 SH SOLE 3,262 0 0
ORACLE CORP COM Stock 68389X105 528,606 3,607 SH SOLE 3,607 0 0
JPMORGAN SHORT DURATION CORE PLUS ETF ETF 46641Q274 470,413 9,978 SH SOLE 9,978 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 459,818 614 SH SOLE 614 0 0
CATERPILLAR INC COM Stock 149123101 442,998 416 SH SOLE 416 0 0
BANK OF AMER CORP COM Stock 060505104 424,444 7,449 SH SOLE 7,449 0 0
GILEAD SCIENCES INC COM Stock 375558103 416,164 3,294 SH SOLE 3,294 0 0
LAM RESEARCH CORP COM NEW Stock 512807306 415,997 960 SH SOLE 960 0 0
PHILIP MORRIS INTL INC COM Stock 718172109 405,057 2,239 SH SOLE 2,239 0 0
JOHNSON & JOHNSON COM Stock 478160104 393,146 1,548 SH SOLE 1,548 0 0
GE VERNOVA INC COM Stock 36828A101 388,879 331 SH SOLE 331 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 364,301 5,113 SH SOLE 5,113 0 0
COSTCO WHOLESALE CORPORATION COM Stock 22160K105 362,962 388 SH SOLE 388 0 0
PROCTER & GAMBLE CO COM Stock 742718109 346,364 2,362 SH SOLE 2,362 0 0
EATON CORP PLC SHS Stock G29183103 343,453 806 SH SOLE 806 0 0
SEAGATE TECHNOLOGY HLDNGS PLC ORD SHS Stock G7997R103 328,100 340 SH SOLE 340 0 0
TEXAS INSTRS INC COM Stock 882508104 312,675 1,049 SH SOLE 1,049 0 0
WISDOMTREE MANAGED FUTURES STRATEGY FUND ETF 97717W125 311,318 7,621 SH SOLE 7,621 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 300,500 723 SH SOLE 723 0 0
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND ETF 97717W604 294,279 7,234 SH SOLE 7,234 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 284,772 568 SH SOLE 568 0 0
PEPSICO INC COM Stock 713448108 283,121 2,091 SH SOLE 2,091 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 281,161 278 SH SOLE 278 0 0
ABBOTT LABORATORIES COM Stock 002824100 277,392 3,057 SH SOLE 3,057 0 0
CISCO SYS INC COM Stock 17275R102 274,152 2,334 SH SOLE 2,334 0 0
WELLS FARGO & CO COM Stock 949746101 272,299 3,295 SH SOLE 3,295 0 0
WISDOMTREE MORTGAGE PLUS BOND FUND ETF 97717Y725 250,545 5,673 SH SOLE 5,673 0 0
QUALCOMM INC COM Stock 747525103 244,847 1,325 SH SOLE 1,325 0 0
LOWES COS INC COM Stock 548661107 232,176 1,053 SH SOLE 1,053 0 0
DEERE & CO COM Stock 244199105 230,262 363 SH SOLE 363 0 0
MORGAN STANLEY COM NEW Stock 617446448 220,119 1,053 SH SOLE 1,053 0 0
NEXTERA ENERGY INC COM Stock 65339F101 219,952 2,506 SH SOLE 2,506 0 0
ISHARES MSCI EAFE ETF ETF 464287465 204,851 1,972 SH SOLE 1,972 0 0