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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
ALPHABET INC CAP STK CL A 02079K305 1,662,312 4,798 SH SOLE 0 0 4,798
ALPHABET INC CAP STK CL C 02079K107 5,629,362 16,373 SH SOLE 0 0 16,373
AMAZON COM INC COM 023135106 1,400,801 5,572 SH SOLE 0 0 5,572
AON PLC SHS CL A G0403H108 443,714 1,631 SH SOLE 0 0 1,631
APPLE INC COM 037833100 14,349,247 43,105 SH SOLE 0 0 43,105
BOEING CO COM 097023105 327,817 1,701 SH SOLE 0 0 1,701
CATERPILLAR INC COM 149123101 625,560 738 SH SOLE 0 0 738
CHEVRON CORPORATION COM 166764100 534,344 2,588 SH SOLE 0 0 2,588
DISNEY WALT CO COM 254687106 307,100 2,964 SH SOLE 0 0 2,964
EDISON INTL COM 281020107 415,719 7,664 SH SOLE 0 0 7,664
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 427,362 2,606 SH SOLE 0 0 2,606
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 281,238 5,441 SH SOLE 0 0 5,441
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 44,391,479 1,026,155 SH SOLE 0 0 1,026,155
HERSHEY CO COM 427866108 221,389 1,375 SH SOLE 0 0 1,375
INTERNATIONAL BUSINESS MACHS COM 459200101 220,029 993 SH SOLE 0 0 993
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 2,132,138 31,040 SH SOLE 0 0 31,040
ISHARES INC CORE MSCI EMKT 46434G103 8,795,469 105,234 SH SOLE 0 0 105,234
ISHARES TR 0-3 MTH TREASURY 46436E718 2,128,335 21,188 SH SOLE 0 0 21,188
ISHARES TR CORE MSCI INTL 46435G326 17,406,376 194,159 SH SOLE 0 0 194,159
ISHARES TR ESG SELECT SCRE 46436E569 457,484 7,733 SH SOLE 0 0 7,733
ISHARES TR MSCI INTL QUALTY 46434V456 1,251,184 25,175 SH SOLE 0 0 25,175
ISHARES TR TRUST ISHARE 0-1 464288679 400,287 3,636 SH SOLE 0 0 3,636
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 954,039 20,026 SH SOLE 0 0 20,026
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 63,419,920 1,262,339 SH SOLE 0 0 1,262,339
JOHNSON & JOHNSON COM 478160104 2,363,884 9,346 SH SOLE 0 0 9,346
JPMORGAN CHASE & CO COM 46625H100 470,650 1,416 SH SOLE 0 0 1,416
MERCK & CO INC COM 58933Y105 260,661 1,868 SH SOLE 0 0 1,868
META PLATFORMS INC CL A 30303M102 1,775,871 2,394 SH SOLE 0 0 2,394
MICRON TECHNOLOGY INC COM 595112103 260,670 245 SH SOLE 0 0 245
MICROSOFT CORP COM 594918104 1,986,484 3,782 SH SOLE 0 0 3,782
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 396,967 3,418 SH SOLE 0 0 3,418
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 253,388 4,738 SH SOLE 0 0 4,738
NVIDIA CORPORATION COM 67066G104 2,287,387 9,575 SH SOLE 0 0 9,575
PEARSON PLC SPONSORED ADR 705015105 222,569 13,705 SH SOLE 0 0 13,705
PGIM ETF TR PGIM ULTRA SH BD 69344A107 77,969,099 1,576,089 SH SOLE 0 0 1,576,089
REALTY INCOME CORP COM 756109104 473,284 8,802 SH SOLE 0 0 8,802
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 66,502,646 2,813,141 SH SOLE 0 0 2,813,141
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 416,624 2,073 SH SOLE 0 0 2,073
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 231,314 1,352 SH SOLE 0 0 1,352
SPDR GOLD TR GOLD SHS 78463V107 640,301 1,687 SH SOLE 0 0 1,687
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 29,024,287 1,014,126 SH SOLE 0 0 1,014,126
SPROTT ASSET MANAGEMENT LP PHYSICAL SILVER 85207K107 236,371 11,950 SH SOLE 0 0 11,950
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 464,898 600 SH SOLE 0 0 600
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 103,756,054 1,127,048 SH SOLE 0 0 1,127,048
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 441,560 2,213 SH SOLE 0 0 2,213
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 18,930,269 235,862 SH SOLE 0 0 235,862
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 18,996,113 65,290 SH SOLE 0 0 65,290
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 655,393 1,722 SH SOLE 0 0 1,722
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 52,726,082 241,940 SH SOLE 0 0 241,940
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 122,079,450 171,383 SH SOLE 0 0 171,383
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 1,214,112 3,468 SH SOLE 0 0 3,468
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 32,371,834 137,082 SH SOLE 0 0 137,082
VANGUARD WORLD FD MRNGSTR MEGA CAP 921910816 227,016 2,400 SH SOLE 0 0 2,400
VANGUARD WORLD FD MRNGSTR VAL ETF 921910840 1,153,984 7,126 SH SOLE 0 0 7,126
WALMART INC COM 931142103 254,690 2,424 SH SOLE 0 0 2,424