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
AB ACTIVE ETFS INC ULTRA SHORT INCM 00039J103 367,771 7,306 SH SOLE 0 0 7,306
ABBVIE INC COM 00287Y109 237,548 944 SH SOLE 0 0 944
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 349,257 1,928 SH SOLE 0 0 1,928
ALPHABET INC CAP STK CL C 02079K107 2,283,961 6,464 SH SOLE 0 0 6,464
ALPHABET INC CAP STK CL A 02079K305 1,407,757 3,939 SH SOLE 0 0 3,939
ALTRIA GROUP INC COM 02209S103 935,206 12,998 SH SOLE 0 0 12,998
AMAZON COM INC COM 023135106 2,171,992 9,113 SH SOLE 0 0 9,113
APPLE INC COM 037833100 3,312,138 11,446 SH SOLE 0 0 11,446
ARK ETF TR INNOVATION ETF 00214Q104 254,387 3,148 SH SOLE 0 0 3,148
AT&T INC COM 00206R102 483,097 23,338 SH SOLE 0 0 23,338
BANK AMERICA CORP COM 060505104 646,626 11,348 SH SOLE 0 0 11,348
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,100,858 2,200 SH SOLE 0 0 2,200
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,497,700 2 SH SOLE 0 0 2
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 285,658 5,458 SH SOLE 0 0 5,458
BLACKROCK ETF TRUST II ISHARES INTERMED 092528207 940,415 38,780 SH SOLE 0 0 38,780
BLUE OWL TECHNOLOGY FIN CORP COMMON STOCK 095924106 134,420 12,987 SH SOLE 0 0 12,987
BOEING CO COM 097023105 389,213 1,798 SH SOLE 0 0 1,798
BROADCOM INC COM 11135F101 770,235 2,039 SH SOLE 0 0 2,039
CATERPILLAR INC COM 149123101 846,596 795 SH SOLE 0 0 795
CHEVRON CORPORATION COM 166764100 330,522 1,994 SH SOLE 0 0 1,994
CISCO SYS INC COM 17275R102 710,398 6,048 SH SOLE 0 0 6,048
CITIGROUP INC COM NEW 172967424 629,820 4,500 SH SOLE 0 0 4,500
COLUMBIA ETF TR I RESH ENHNC COR 19761L706 994,721 22,983 SH SOLE 0 0 22,983
CONOCOPHILLIPS COM 20825C104 407,835 3,923 SH SOLE 0 0 3,923
CONTROLADORA VUELA COMP DE A SPON ADR RP 10 21240E105 140,550 15,000 SH SOLE 0 0 15,000
COSTCO WHOLESALE CORPORATION COM 22160K105 454,934 486 SH SOLE 0 0 486
CVS HEALTH CORP COM 126650100 458,801 4,435 SH SOLE 0 0 4,435
DEVON ENERGY CORP NEW COM 25179M103 355,807 8,611 SH SOLE 0 0 8,611
ELI LILLY & CO COM 532457108 754,441 629 SH SOLE 0 0 629
EXELON CORP COM 30161N101 394,592 8,464 SH SOLE 0 0 8,464
EXXON MOBIL CORP COM 30231G102 760,338 5,561 SH SOLE 0 0 5,561
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 1,137,722 25,010 SH SOLE 0 0 25,010
FIFTH THIRD BANCORP COM 316773100 448,874 7,963 SH SOLE 0 0 7,963
FORD MTR CO COM 345370860 519,486 37,373 SH SOLE 0 0 37,373
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 5,259,839 132,323 SH SOLE 0 0 132,323
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 916,163 36,399 SH SOLE 0 0 36,399
FRANKLIN TEMPLETON ETF TR FTSE CHINA 35473P819 3,469,720 169,976 SH SOLE 0 0 169,976
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835 2,711,748 126,658 SH SOLE 0 0 126,658
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 4,891,970 138,622 SH SOLE 0 0 138,622
FRANKLIN TEMPLETON ETF TR FTSE SOUTH KOREA 35473P710 2,716,086 41,103 SH SOLE 0 0 41,103
GE AEROSPACE COM NEW 369604301 1,166,038 3,120 SH SOLE 0 0 3,120
GE VERNOVA INC COM 36828A101 929,314 791 SH SOLE 0 0 791
GLOBAL X FDS NASDAQ 100 COVER 37954Y483 284,648 15,445 SH SOLE 0 0 15,445
GOLDMAN SACHS GROUP INC COM 38141G104 455,117 450 SH SOLE 0 0 450
GOSSAMER BIO INC COM 38341P102 1,646 10,000 SH SOLE 0 0 10,000
HEWLETT PACKARD ENTERPRISE C COM 42824C109 640,291 14,194 SH SOLE 0 0 14,194
HOME DEPOT INC COM 437076102 227,479 645 SH SOLE 0 0 645
HOST HOTELS & RESORTS INC COM 44107P104 426,164 17,974 SH SOLE 0 0 17,974
HUNTINGTON INGALLS INDS INC COM 446413106 521,995 1,865 SH SOLE 0 0 1,865
INNOVATOR ETFS TRUST GRWT100 PWR BUF 45782C615 330,945 5,293 SH SOLE 0 0 5,293
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540 530,030 11,550 SH SOLE 0 0 11,550
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C797 719,077 15,494 SH SOLE 0 0 15,494
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 644,657 13,026 SH SOLE 0 0 13,026
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417 489,334 11,364 SH SOLE 0 0 11,364
INNOVATOR ETFS TRUST INTERNATIONAL DV 45782C631 584,072 15,790 SH SOLE 0 0 15,790
INTEL CORP COM 458140100 885,533 6,342 SH SOLE 0 0 6,342
INTERNATIONAL BUSINESS MACHS COM 459200101 272,548 969 SH SOLE 0 0 969
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,314,322 6,177 SH SOLE 0 0 6,177
INVESCO QQQ TR UNIT SER 1 46090E107 705,070 957 SH SOLE 0 0 957
ISHARES INC MSCI AUST ETF 464286103 1,772,785 62,954 SH SOLE 0 0 62,954
ISHARES INC MSCI MEXICO ETF 464286822 2,028,150 26,945 SH SOLE 0 0 26,945
ISHARES INC MSCI SPAIN ETF 464286764 3,849,482 64,817 SH SOLE 0 0 64,817
ISHARES INC MSCI EMERG MRKT 464286533 290,461 3,858 SH SOLE 0 0 3,858
ISHARES INC CORE MSCI EMKT 46434G103 4,475,845 54,030 SH SOLE 0 0 54,030
ISHARES TR CORE MSCI EAFE 46432F842 1,999,648 20,705 SH SOLE 0 0 20,705
ISHARES TR CONV BD ETF 46435G102 723,866 5,946 SH SOLE 0 0 5,946
ISHARES TR US TREAS BD ETF 46429B267 13,191,329 579,075 SH SOLE 0 0 579,075
ISHARES TR CMBS ETF 46429B366 626,126 12,870 SH SOLE 0 0 12,870
ISHARES TR MSCI USA MIN VOL 46429B697 226,777 2,351 SH SOLE 0 0 2,351
ISHARES TR CORE US AGGBD ET 464287226 880,103 8,892 SH SOLE 0 0 8,892
ISHARES TR TIPS BD ETF 464287176 1,146,860 10,480 SH SOLE 0 0 10,480
ISHARES TR EAFE VALUE ETF 464288877 4,419,538 57,734 SH SOLE 0 0 57,734
ISHARES TR EAFE GRWTH ETF 464288885 3,496,700 28,104 SH SOLE 0 0 28,104
ISHARES TR CRE U S REIT ETF 464288521 1,247,931 18,780 SH SOLE 0 0 18,780
ISHARES TR MBS ETF 464288588 6,033,495 63,833 SH SOLE 0 0 63,833
ISHARES TR PFD AND INCM SEC 464288687 715,112 23,454 SH SOLE 0 0 23,454
ISHARES TR 20 YR TR BD ETF 464287432 571,236 6,610 SH SOLE 0 0 6,610
ISHARES TR IBOXX INV CP ETF 464287242 5,785,563 53,044 SH SOLE 0 0 53,044
ISHARES TR RUS MD CP GR ETF 464287481 218,444 1,492 SH SOLE 0 0 1,492
ISHARES TR U.S. TECH ETF 464287721 423,746 1,680 SH SOLE 0 0 1,680
ISHARES TR RUS 2000 GRW ETF 464287648 1,532,898 3,891 SH SOLE 0 0 3,891
ISHARES TR CORE S&P MCP ETF 464287507 1,607,738 20,850 SH SOLE 0 0 20,850
ISHARES TR S&P MC 400VL ETF 464287705 295,165 1,998 SH SOLE 0 0 1,998
ISHARES TR S&P MC 400GR ETF 464287606 418,535 3,562 SH SOLE 0 0 3,562
ISHARES TR CORE S&P SCP ETF 464287804 1,136,769 7,665 SH SOLE 0 0 7,665
ISHARES TR SP SMCP600VL ETF 464287879 6,876,574 50,311 SH SOLE 0 0 50,311
ISHARES TR S&P SML 600 GWT 464287887 5,848,793 32,748 SH SOLE 0 0 32,748
ISHARES TR S&P 500 VAL ETF 464287408 11,855,883 52,215 SH SOLE 0 0 52,215
ISHARES TR CORE S&P500 ETF 464287200 7,267,385 9,704 SH SOLE 0 0 9,704
ISHARES TR S&P 500 GRWT ETF 464287309 1,617,490 11,761 SH SOLE 0 0 11,761
ISHARES TR RUS 1000 VAL ETF 464287598 1,825,013 7,528 SH SOLE 0 0 7,528
ISHARES TR RUS 1000 GRW ETF 464287614 2,363,203 19,032 SH SOLE 0 0 19,032
ISHARES TR RUS 2000 VAL ETF 464287630 1,104,894 4,995 SH SOLE 0 0 4,995
ISHARES U S ETF TR SHORT MATURITY M 46431W838 1,326,002 26,320 SH SOLE 0 0 26,320
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852 3,318,551 68,636 SH SOLE 0 0 68,636
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 396,014 7,831 SH SOLE 0 0 7,831
JANUS DETROIT STR TR HENDERSON SECURI 47103U746 700,041 13,670 SH SOLE 0 0 13,670
JOHNSON & JOHNSON COM 478160104 916,115 3,607 SH SOLE 0 0 3,607
JPMORGAN CHASE & CO COM 46625H100 576,865 1,762 SH SOLE 0 0 1,762
L3HARRIS TECHNOLOGIES INC COM 502431109 372,827 1,283 SH SOLE 0 0 1,283
LINCOLN NATL CORP IND COM 534187109 379,306 10,730 SH SOLE 0 0 10,730
M & T BK CORP COM 55261F104 418,422 1,758 SH SOLE 0 0 1,758
MARSH & MCLENNAN COS INC COM 571748102 742,515 4,455 SH SOLE 0 0 4,455
MCDONALDS CORP COM 580135101 654,961 2,423 SH SOLE 0 0 2,423
MCKESSON CORP COM 58155Q103 498,696 660 SH SOLE 0 0 660
MERCADOLIBRE INC COM 58733R102 519,401 306 SH SOLE 0 0 306
MERCK & CO INC COM 58933Y105 403,170 3,138 SH SOLE 0 0 3,138
META PLATFORMS INC CL A 30303M102 973,928 1,729 SH SOLE 0 0 1,729
MICROSOFT CORP COM 594918104 3,220,925 8,635 SH SOLE 0 0 8,635
MORGAN STANLEY ETF TRUST EATON VANCE TOTA 61774R841 301,919 5,954 SH SOLE 0 0 5,954
MORGAN STANLEY ETF TRUST EATON VANCE SHOR 61774R825 417,825 8,216 SH SOLE 0 0 8,216
NEWMONT CORP COM 651639106 522,386 5,593 SH SOLE 0 0 5,593
NUCOR CORP COM 670346105 424,116 1,904 SH SOLE 0 0 1,904
NVIDIA CORPORATION COM 67066G104 2,929,930 14,643 SH SOLE 0 0 14,643
ORACLE CORP COM 68389X105 401,694 2,741 SH SOLE 0 0 2,741
PACER FDS TR GLOBL CASH ETF 69374H709 1,298,188 29,981 SH SOLE 0 0 29,981
PACER FDS TR US CASH COWS 100 69374H881 683,935 10,996 SH SOLE 0 0 10,996
PACER FDS TR METAURUS CAP 400 69374H436 482,430 10,704 SH SOLE 0 0 10,704
PEPSICO INC COM 713448108 421,246 3,111 SH SOLE 0 0 3,111
PFIZER INC COM 717081103 377,268 15,667 SH SOLE 0 0 15,667
PROFESIONALLY MANAGED PORTFO AKRE FOCUS ETF 74316P579 207,973 3,910 SH SOLE 0 0 3,910
PROSHARES TR S&P 500 DV ARIST 74348A467 1,042,409 18,561 SH SOLE 0 0 18,561
PUTNAM ETF TRUST FRANKLIN MUNI HI 746729789 158,650 13,354 SH SOLE 0 0 13,354
REGIONS FINANCIAL CORP NEW COM 7591EP100 421,048 13,942 SH SOLE 0 0 13,942
ROYALTY PHARMA PLC SHS CLASS A G7709Q104 695,156 12,398 SH SOLE 0 0 12,398
SAP SE SPON ADR 803054204 263,682 1,711 SH SOLE 0 0 1,711
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 213,324 6,304 SH SOLE 0 0 6,304
SCHWAB STRATEGIC TR HIGH YIELD BD ET 808524631 4,141,676 158,200 SH SOLE 0 0 158,200
SELECT SECTOR SPDR TR STATE STREET COM 81369Y852 952,921 8,895 SH SOLE 0 0 8,895
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 354,740 7,824 SH SOLE 0 0 7,824
SELECT SECTOR SPDR TR STATE STREET ENE 81369Y506 437,945 8,246 SH SOLE 0 0 8,246
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 1,411,283 26,325 SH SOLE 0 0 26,325
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704 577,192 3,116 SH SOLE 0 0 3,116
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 3,333,164 17,495 SH SOLE 0 0 17,495
SELECT SECTOR SPDR TR STATE STREET CON 81369Y308 598,063 7,200 SH SOLE 0 0 7,200
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209 1,074,763 6,774 SH SOLE 0 0 6,774
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407 601,881 5,132 SH SOLE 0 0 5,132
SNOWFLAKE INC COM SHS 833445109 518,417 2,037 SH SOLE 0 0 2,037
SOUTHERN COPPER CORP COM 84265V105 377,796 2,168 SH SOLE 0 0 2,168
SPDR GOLD TR GOLD SHS 78463V107 3,999,870 10,858 SH SOLE 0 0 10,858
SPDR INDEX SHS FDS STATE STREET SPD 78463X533 667,575 16,299 SH SOLE 0 0 16,299
SPDR SERIES TRUST STATE STREET SPD 78468R853 544,177 9,436 SH SOLE 0 0 9,436
SPDR SERIES TRUST STATE STREET SPD 78464A870 395,865 2,502 SH SOLE 0 0 2,502
SPDR SERIES TRUST STATE STREET SPD 78464A847 2,500,543 37,012 SH SOLE 0 0 37,012
SPDR SERIES TRUST STATE STREET SPD 78464A854 9,820,534 111,749 SH SOLE 0 0 111,749
SPDR SERIES TRUST STATE STREET SPD 78464A508 343,014 5,643 SH SOLE 0 0 5,643
SPDR SERIES TRUST STATE STREET SPD 78464A409 32,409,425 272,371 SH SOLE 0 0 272,371
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 783,749 1,050 SH SOLE 0 0 1,050
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 202,184 287 SH SOLE 0 0 287
TESLA INC COM 88160R101 735,209 1,748 SH SOLE 0 0 1,748
UGI CORP NEW COM 902681105 387,366 11,215 SH SOLE 0 0 11,215
UNION PAC CORP COM 907818108 441,728 1,624 SH SOLE 0 0 1,624
US BANCORP COM NEW 902973304 513,460 8,501 SH SOLE 0 0 8,501
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 707,049 1,078 SH SOLE 0 0 1,078
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 19,516,977 89,033 SH SOLE 0 0 89,033
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,747,422 64,670 SH SOLE 0 0 64,670
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,325,146 29,844 SH SOLE 0 0 29,844
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 458,390 9,465 SH SOLE 0 0 9,465
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 599,724 873 SH SOLE 0 0 873
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 8,408,548 27,452 SH SOLE 0 0 27,452
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 274,862 1,391 SH SOLE 0 0 1,391
VANGUARD INDEX FDS TOTAL STK MKT 922908769 730,612 1,974 SH SOLE 0 0 1,974
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 571,361 9,572 SH SOLE 0 0 9,572
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 224,029 1,452 SH SOLE 0 0 1,452
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 943,266 18,649 SH SOLE 0 0 18,649
VANGUARD MUN BD FDS LONG TERM TAX EX 922907688 1,336,760 12,759 SH SOLE 0 0 12,759
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 304,848 900 SH SOLE 0 0 900
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,397,694 18,574 SH SOLE 0 0 18,574
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,883,326 71,184 SH SOLE 0 0 71,184
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,258,567 41,232 SH SOLE 0 0 41,232
VANGUARD STAR FDS VG TL INTL STK F 921909768 231,934 2,713 SH SOLE 0 0 2,713
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,016,007 28,295 SH SOLE 0 0 28,295
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 5,119,452 76,137 SH SOLE 0 0 76,137
VANGUARD WORLD FD INF TECH ETF 92204A702 352,716 2,951 SH SOLE 0 0 2,951
VERIZON COMMUNICATIONS INC COM 92343V104 455,643 10,762 SH SOLE 0 0 10,762
VIATRIS INC COM 92556V106 532,001 33,501 SH SOLE 0 0 33,501
VISA INC COM CL A 92826C839 247,693 722 SH SOLE 0 0 722
WALMART INC COM 931142103 1,169,523 10,326 SH SOLE 0 0 10,326
WELLS FARGO & CO COM 949746101 405,101 4,902 SH SOLE 0 0 4,902
WORLD GOLD TR SPDR GLD MINIS 98149E303 334,596 4,213 SH SOLE 0 0 4,213
ZETA GLOBAL HOLDINGS CORP CL A 98956A105 1,018,145 51,735 SH SOLE 0 0 51,735