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
ABBVIE INC COM Common Stock 00287Y109 500 1,988 SH SOLE 0 0 0
ABRDN ETFS BBRG ALL COMMDY ETF 003261203 3,132 91,701 SH SOLE 0 0 0
ALLSTATE CORP COM Common Stock 020002101 255 1,072 SH SOLE 0 0 0
ALPHABET INC CAP STK CL A Common Stock 02079K305 1,295 3,624 SH SOLE 0 0 0
ALPHABET INC CAP STK CL C Common Stock 02079K107 1,456 4,122 SH SOLE 0 0 0
ALTRIA GROUP INC COM Common Stock 02209S103 367 5,105 SH SOLE 0 0 0
AMAZON COM INC COM Common Stock 023135106 2,155 9,040 SH SOLE 0 0 0
AMERICAN EXPRESS CO COM Common Stock 025816109 289 855 SH SOLE 0 0 0
AMERICAN TOWER CORP COM REIT 03027X100 405 2,477 SH SOLE 0 0 0
AMPHENOL CORP CL A Common Stock 032095101 292 1,656 SH SOLE 0 0 0
ANALOG DEVICES INC COM Common Stock 032654105 345 869 SH SOLE 0 0 0
AON PLC SHS CL A Common Stock G0403H108 310 934 SH SOLE 0 0 0
APPLE INC COM Common Stock 037833100 2,664 9,208 SH SOLE 0 0 0
APPLOVIN CORP COM CL A Common Stock 03831W108 647 1,256 SH SOLE 0 0 0
ARAMARK COM Common Stock 03852U106 314 5,518 SH SOLE 0 0 0
ARCH CAP GROUP LTD ORD Common Stock G0450A105 554 5,703 SH SOLE 0 0 0
ARROWHEAD PHARMACEUTICALS IN COM Common Stock 04280A100 203 2,494 SH SOLE 0 0 0
ASML HLDG NV N Y REGISTRY SHS NY Reg Shrs N07059210 1,627 818 SH SOLE 0 0 0
ASTERA LABS INC COM Common Stock 04626A103 714 1,479 SH SOLE 0 0 0
ASTRAZENECA PLC ORD Common Stock G0593M107 718 3,788 SH SOLE 0 0 0
ATT INC COM Common Stock 00206R102 285 13,751 SH SOLE 0 0 0
BANK OF AMER CORP COM Common Stock 060505104 468 8,215 SH SOLE 0 0 0
BANK OF NY MELLON CORP COM Common Stock 064058100 389 2,687 SH SOLE 0 0 0
BRITISH AMERN TOB PLC SPONSORED ADR Sponsored ADR 110448107 630 10,207 SH SOLE 0 0 0
BROADCOM INC COM Common Stock 11135F101 1,662 4,399 SH SOLE 0 0 0
CANADIAN NAT RES LTD MED TER COM Common Stock 136385101 386 9,784 SH SOLE 0 0 0
CANADIAN PACIFIC KANSAS CITY COM Common Stock 13646K108 604 6,970 SH SOLE 0 0 0
CARDINAL HEALTH INC COM Common Stock 14149Y108 234 984 SH SOLE 0 0 0
CHEVRON CORPORATION COM Common Stock 166764100 427 2,576 SH SOLE 0 0 0
CHUBB LIMITED COM Common Stock H1467J104 277 813 SH SOLE 0 0 0
CISCO SYS INC COM Common Stock 17275R102 905 7,703 SH SOLE 0 0 0
CITIGROUP INC COM NEW Common Stock 172967424 237 1,693 SH SOLE 0 0 0
CME GROUP INC COM Common Stock 12572Q105 255 1,154 SH SOLE 0 0 0
CRH PLC ORD Common Stock G25508105 260 2,434 SH SOLE 0 0 0
CVS HEALTH CORP COM Common Stock 126650100 300 2,902 SH SOLE 0 0 0
DBX ETF TR XTRACK MSCI EAFE ETF 233051630 398 12,369 SH SOLE 0 0 0
DBX ETF TR XTRACK USD HIGH ETF 233051432 345 9,452 SH SOLE 0 0 0
DELTA AIR LINES INC COM NEW Common Stock 247361702 228 2,434 SH SOLE 0 0 0
DIAMONDBACK ENERGY INC COM Common Stock 25278X109 200 1,140 SH SOLE 0 0 0
DUKE ENERGY CORP NEW COM NEW Common Stock 26441C204 227 1,791 SH SOLE 0 0 0
ENBRIDGE INC COM Common Stock 29250N105 389 7,185 SH SOLE 0 0 0
EXXON MOBIL CORP COM Common Stock 30231G102 258 1,888 SH SOLE 0 0 0
FERGUSON ENTERPRISES INC COMMON STOCK NEW Common Stock 31488V107 678 2,857 SH SOLE 0 0 0
FIRST TR EXCHANGETRADED FD NASDQ CLN EDGE ETF 33737A108 1,446 7,542 SH SOLE 0 0 0
FIRSTENERGY CORP COM Common Stock 337932107 247 5,199 SH SOLE 0 0 0
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF ETF 35473P595 969 42,275 SH SOLE 0 0 0
GE VERNOVA INC COM Common Stock 36828A101 314 267 SH SOLE 0 0 0
GENERAL DYNAMICS CORP COM Common Stock 369550108 260 733 SH SOLE 0 0 0
GLOBAL X FDS US PFD ETF ETF 37954Y657 190 10,158 SH SOLE 0 0 0
HEICO CORP NEW COM Common Stock 422806109 277 779 SH SOLE 0 0 0
HOWMET AEROSPACE INC COM Common Stock 443201108 250 930 SH SOLE 0 0 0
ICICI BANK LIMITED ADR ADR 45104G104 429 14,781 SH SOLE 0 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF ETF 46137V613 3,416 63,217 SH SOLE 0 0 0
INVESCO EXCHANGE TRADED FD T SP500 EQL IND ETF 46137V324 1,917 29,959 SH SOLE 0 0 0
IQVIA HLDGS INC COM Common Stock 46266C105 247 1,280 SH SOLE 0 0 0
ISHARES GOLD TR ISHARES NEW ETF 464285204 3,866 51,205 SH SOLE 0 0 0
ISHARES INC CORE MSCI EMKT ETP 46434G103 15,349 185,287 SH SOLE 0 0 0
ISHARES TR 10 YR INVST GRD ETP 464289511 532 10,638 SH SOLE 0 0 0
ISHARES TR 20 YR TR BD ETF ETP 464287432 2,060 23,835 SH SOLE 0 0 0
ISHARES TR 7 10 YR TRSY BD ETP 464287440 818 8,655 SH SOLE 0 0 0
ISHARES TR CORE MSCI EAFE ETF 46432F842 3,865 40,021 SH SOLE 0 0 0
ISHARES TR CORE MSCI INTL ETF 46435G326 15,278 171,645 SH SOLE 0 0 0
ISHARES TR CORE MSCI PAC ETF 46434V696 3,194 38,988 SH SOLE 0 0 0
ISHARES TR CORE SP SCP ETF ETP 464287804 6,948 46,848 SH SOLE 0 0 0
ISHARES TR CORE SP500 ETF ETP 464287200 11,641 15,544 SH SOLE 0 0 0
ISHARES TR CORE US AGGBD ET ETP 464287226 8,161 82,452 SH SOLE 0 0 0
ISHARES TR EAFE SML CP ETF ETP 464288273 1,621 19,704 SH SOLE 0 0 0
ISHARES TR EXPANDED TECH ETF 464287515 1,854 20,458 SH SOLE 0 0 0
ISHARES TR ISHS 510YR INVT ETP 464288638 4,159 78,217 SH SOLE 0 0 0
ISHARES TR JPMORGAN USD EMG ETP 464288281 668 6,927 SH SOLE 0 0 0
ISHARES TR MBS ETF ETP 464288588 10,165 107,539 SH SOLE 0 0 0
ISHARES TR MSCI EAFE ETF ETP 464287465 1,745 16,795 SH SOLE 0 0 0
ISHARES TR MSCI EMG MKT ETF ETP 464287234 322 4,703 SH SOLE 0 0 0
ISHARES TR RUS 1000 GRW ETF ETP 464287614 14,538 117,083 SH SOLE 0 0 0
ISHARES TR RUS 1000 VAL ETF ETP 464287598 14,307 59,013 SH SOLE 0 0 0
ISHARES TR RUS MD CP GR ETF ETP 464287481 343 2,344 SH SOLE 0 0 0
ISHARES TR RUS MDCP VAL ETF ETP 464287473 259 1,576 SH SOLE 0 0 0
ISHARES TR RUS MID CAP ETF ETP 464287499 5,413 49,071 SH SOLE 0 0 0
ISHARES TR RUSSELL 2000 ETF ETP 464287655 1,089 3,626 SH SOLE 0 0 0
ISHARES TR US HLTHCR PR ETF ETF 464288828 2,677 48,388 SH SOLE 0 0 0
ISHARES U S ETF TR BLOOMBERG ROLL ETF 46431W598 3,867 70,022 SH SOLE 0 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR ETF 46641Q761 4,785 66,194 SH SOLE 0 0 0
JANUS DETROIT STR TR HEND SECU IN ETF ETF 47103U746 217 4,229 SH SOLE 0 0 0
JANUS DETROIT STR TR HENDERSON MTG ETF 47103U852 3,612 80,279 SH SOLE 0 0 0
JOHNSON CONTROLS INTERNATION SHS Common Stock G51502105 321 2,194 SH SOLE 0 0 0
JOHNSONJOHNSON COM Common Stock 478160104 524 2,062 SH SOLE 0 0 0
JPMORGAN CHASECO COM Common Stock 46625H100 686 2,096 SH SOLE 0 0 0
KIMBERLYCLARK CORP COM Common Stock 494368103 323 2,941 SH SOLE 0 0 0
KLA CORP COM NEW Common Stock 482480100 243 804 SH SOLE 0 0 0
LAM RESEARCH CORP COM NEW Common Stock 512807306 668 1,542 SH SOLE 0 0 0
LINDE PLC SHS Common Stock G54950103 698 1,345 SH SOLE 0 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR Sponsored ADR 539439109 380 65,252 SH SOLE 0 0 0
MEDTRONIC PLC SHS Common Stock G5960L103 744 9,509 SH SOLE 0 0 0
MERCKCO INC COM Common Stock 58933Y105 390 3,036 SH SOLE 0 0 0
META PLATFORMS INC CL A Common Stock 30303M102 1,648 2,925 SH SOLE 0 0 0
MICRON TECHNOLOGY INC COM Common Stock 595112103 439 380 SH SOLE 0 0 0
MICROSOFT CORP COM Common Stock 594918104 3,202 8,585 SH SOLE 0 0 0
MORGAN STANLEY COM NEW Common Stock 617446448 235 1,122 SH SOLE 0 0 0
NATERA INC COM Common Stock 632307104 386 1,422 SH SOLE 0 0 0
NATIONAL GRID PLC SPONSORED ADR NE Sponsored ADR 636274409 654 7,887 SH SOLE 0 0 0
NEBIUS GROUP NV SHS CLASS A Common Stock N97284108 1,676 6,070 SH SOLE 0 0 0
NETFLIX INC COM Common Stock 64110L106 211 2,955 SH SOLE 0 0 0
NOVARTIS AG SPONSORED ADR Sponsored ADR 66987V109 840 5,362 SH SOLE 0 0 0
NU HLDGS LTD ORD SHS CL A Common Stock G6683N103 410 30,726 SH SOLE 0 0 0
NVIDIA CORPORATION COM Common Stock 67066G104 4,790 23,939 SH SOLE 0 0 0
NXP SEMICONDUCTORS N V COM Common Stock N6596X109 352 1,252 SH SOLE 0 0 0
ORACLE CORP COM Common Stock 68389X105 234 1,594 SH SOLE 0 0 0
PAYCHEX INC COM Common Stock 704326107 327 3,323 SH SOLE 0 0 0
PEPSICO INC COM Common Stock 713448108 433 3,198 SH SOLE 0 0 0
PFIZER INC COM Common Stock 717081103 251 10,409 SH SOLE 0 0 0
PHILIP MORRIS INTL INC COM Common Stock 718172109 1,208 6,678 SH SOLE 0 0 0
PNC FINL SVCS GROUP INC COM Common Stock 693475105 305 1,239 SH SOLE 0 0 0
PPL CORP COM Common Stock 69351T106 261 7,190 SH SOLE 0 0 0
PROLOGIS INC COM REIT 74340W103 255 1,883 SH SOLE 0 0 0
QXO INC COM NEW Common Stock 82846H405 323 18,664 SH SOLE 0 0 0
ROKU INC COM CL A Common Stock 77543R102 228 1,650 SH SOLE 0 0 0
SANOFI SA SPONSORED ADR Sponsored ADR 80105N105 252 5,911 SH SOLE 0 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD Corp Bond 808524714 321 13,010 SH SOLE 0 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF ETP 808524805 1,628 58,759 SH SOLE 0 0 0
SCHWAB STRATEGIC TR US AGGREGATE B Aggregate Bond 808524839 452 19,545 SH SOLE 0 0 0
SCHWAB STRATEGIC TR US TIPS ETF ETF 808524870 13,887 524,025 SH SOLE 0 0 0
SEA LTD SPONSORD ADS Sponsored ADS 81141R100 1,291 13,469 SH SOLE 0 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS Common Stock G7997R103 1,776 1,840 SH SOLE 0 0 0
SELECT SECTOR SPDR TR ST STR DISCR ETF ETP 81369Y407 1,295 11,041 SH SOLE 0 0 0
SERVICENOW INC COM Common Stock 81762P102 228 2,296 SH SOLE 0 0 0
SLB LIMITED COM STK Common Stock 806857108 215 4,622 SH SOLE 0 0 0
SOUTHERN CO COM Common Stock 842587107 212 2,211 SH SOLE 0 0 0
SPACE EXPLORATION TECHN CORP CLASS A COM STK ADDED Common Stock 84615Q103 765 4,480 SH SOLE 0 0 0
SPDR INDEX SHS FDS ST DOW GLOBA ETF ETP 78463X749 545 10,961 SH SOLE 0 0 0
SPDR INDEX SHS FDS ST PORT MARK ETF ETF 78463X509 1,398 26,999 SH SOLE 0 0 0
SPDR INDEX SHS FDS ST SP INTL ETF ETP 78463X772 1,574 34,244 SH SOLE 0 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF ETF 78463X889 6,335 125,711 SH SOLE 0 0 0
SPDR SERIES TRUST ST INTER BD ETF ETF 78464A375 5,602 167,438 SH SOLE 0 0 0
SPDR SERIES TRUST ST LON TREAS ETF ETP 78464A664 2,298 87,607 SH SOLE 0 0 0
SPDR SERIES TRUST ST STR P500GRW ETF 78464A409 10,395 87,364 SH SOLE 0 0 0
SPDR SERIES TRUST ST STR PFD ETF ETF 78464A292 1,383 45,286 SH SOLE 0 0 0
SPDR SERIES TRUST ST STR SP BANK ETF 78464A797 2,415 35,400 SH SOLE 0 0 0
SPDR SERIES TRUST ST STR SP DIV ETP 78464A763 3,729 24,505 SH SOLE 0 0 0
SPOTIFY TECHNOLOGY S A SHS Common Stock L8681T102 666 1,451 SH SOLE 0 0 0
SYSCO CORP COM Common Stock 871829107 236 2,828 SH SOLE 0 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS Sponsored ADS 874039100 3,871 8,106 SH SOLE 0 0 0
TALEN ENERGY CORP COM Common Stock 87422Q109 552 1,436 SH SOLE 0 0 0
TAPESTRY INC COM Common Stock 876030107 223 1,521 SH SOLE 0 0 0
TC ENERGY CORP COM Common Stock 87807B107 644 9,713 SH SOLE 0 0 0
TESLA INC COM Common Stock 88160R101 765 1,818 SH SOLE 0 0 0
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS Sponsored ADS 881624209 515 15,208 SH SOLE 0 0 0
THE CIGNA GROUP COM Common Stock 125523100 203 737 SH SOLE 0 0 0
TJX COS INC NEW COM Common Stock 872540109 298 1,964 SH SOLE 0 0 0
TOTALENERGIES SE ACT ADR F92124100 262 3,373 SH SOLE 0 0 0
UBS GROUP AG SHS Common Stock H42097107 585 11,797 SH SOLE 0 0 0
UNILEVER PLC SPON ADR NEW Sponsored ADR 904767803 240 3,987 SH SOLE 0 0 0
UNITEDHEALTH GROUP INC COM Common Stock 91324P102 439 1,057 SH SOLE 0 0 0
US BANCORP COM NEW Common Stock 902973304 364 6,023 SH SOLE 0 0 0
VANGUARD BD INDEX FDS LONG TERM BOND ETP 921937793 1,866 27,075 SH SOLE 0 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND ETP 921937827 200 2,572 SH SOLE 0 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT ETP 921937835 17,214 234,490 SH SOLE 0 0 0
VANGUARD INDEX FDS GROWTH ETF ETP 922908736 5,767 66,950 SH SOLE 0 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP ETP 922908538 595 1,942 SH SOLE 0 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP ETP 922908512 737 3,728 SH SOLE 0 0 0
VANGUARD INDEX FDS MID CAP ETF ETP 922908629 1,335 16,573 SH SOLE 0 0 0
VANGUARD INDEX FDS REAL ESTATE ETF ETP 922908553 3,572 37,047 SH SOLE 0 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETP 922908611 3,679 15,140 SH SOLE 0 0 0
VANGUARD INDEX FDS SMALL CP ETF ETP 922908751 2,334 7,701 SH SOLE 0 0 0
VANGUARD INDEX FDS SML CP GRW ETF ETP 922908595 233 636 SH SOLE 0 0 0
VANGUARD INDEX FDS VALUE ETF ETP 922908744 3,111 14,277 SH SOLE 0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF ETP 922042858 264 4,417 SH SOLE 0 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF ETF 922042718 3,475 22,521 SH SOLE 0 0 0
VANGUARD MALVERN FDS STRM INFPROIDX ETF 922020805 1,169 23,276 SH SOLE 0 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD ETP 922907746 2,520 49,826 SH SOLE 0 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETP 92206C409 659 8,344 SH SOLE 0 0 0
VANGUARD WORLD FD MEGA CAP INDEX ETF 921910873 6,183 22,597 SH SOLE 0 0 0
VERIZON COMMUNICATIONS INC COM Common Stock 92343V104 238 5,618 SH SOLE 0 0 0
VERTIV HOLDINGS CO COM CL A Common Stock 92537N108 442 1,320 SH SOLE 0 0 0
VISA INC COM CL A Common Stock 92826C839 547 1,595 SH SOLE 0 0 0
WALMART INC COM Common Stock 931142103 211 1,863 SH SOLE 0 0 0
WASTE CONNECTIONS INC COM Common Stock 94106B101 307 1,842 SH SOLE 0 0 0
WEC ENERGY GROUP INC COM Common Stock 92939U106 298 2,549 SH SOLE 0 0 0
WELLTOWER INC COM REIT 95040Q104 212 936 SH SOLE 0 0 0
WESTERN DIGITAL CORP COM Common Stock 958102105 1,404 2,198 SH SOLE 0 0 0