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
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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 TR CORE S&P MCP ETF 464287507 2,151,257 29,899 SH SOLE 0 0 29,899
ISHARES TR S&P 500 VAL ETF 464287408 1,578,809 6,916 SH SOLE 0 0 6,916
ISHARES TR CORE S&P500 ETF 464287200 10,933,192 14,276 SH SOLE 0 0 14,276
ISHARES TR S&P 500 GRWT ETF 464287309 228,366 1,605 SH SOLE 0 0 1,605
AMAZON COM INC COM 023135106 5,201,272 20,876 SH SOLE 0 0 20,876
JOHNSON & JOHNSON COM 478160104 213,068 805 SH SOLE 0 0 805
MICROSOFT CORP COM 594918104 2,898,343 5,651 SH SOLE 0 0 5,651
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 443,612 7,213 SH SOLE 0 0 7,213
WALMART INC COM 931142103 1,721,547 16,566 SH SOLE 0 0 16,566
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 490,947 1,076 SH SOLE 0 0 1,076
MICRON TECHNOLOGY INC COM 595112103 2,163,017 2,031 SH SOLE 0 0 2,031
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 10,704,315 28,603 SH SOLE 0 0 28,603
APPLE INC COM 037833100 4,122,014 12,378 SH SOLE 0 0 12,378
ISHARES TR MSCI EMG MKT ETF 464287234 1,433,849 21,468 SH SOLE 0 0 21,468
ISHARES TR S&P 100 ETF 464287101 1,032,300 2,702 SH SOLE 0 0 2,702
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 2,368,421 3,889 SH SOLE 0 0 3,889
CONSOLIDATED EDISON INC COM 209115104 671,608 6,571 SH SOLE 0 0 6,571
NVIDIA CORPORATION COM 67066G104 1,114,758 4,881 SH SOLE 0 0 4,881
ISHARES TR MORNINGSTAR VALU 464288109 5,434,860 51,594 SH SOLE 0 0 51,594
PRICE T ROWE GROUP INC COM 74144T108 634,694 6,100 SH SOLE 0 0 6,100
ALPHABET INC CAP STK CL A 02079K305 1,452,191 4,221 SH SOLE 0 0 4,221
SPDR GOLD TR GOLD SHS 78463V107 429,588 1,128 SH SOLE 0 0 1,128
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 1,022,514 13,039 SH SOLE 0 0 13,039
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 9,978,674 110,739 SH SOLE 0 0 110,739
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 2,284,369 35,090 SH SOLE 0 0 35,090
ISHARES TR TRUST ISHARE 0-1 464288679 5,329,701 48,311 SH SOLE 0 0 48,311
ISHARES TR ISHS 1-5YR INVS 464288646 1,218,678 23,788 SH SOLE 0 0 23,788
ISHARES TR NATIONAL MUN ETF 464288414 2,134,862 21,116 SH SOLE 0 0 21,116
VISA INC COM CL A 92826C839 350,067 974 SH SOLE 0 0 974
SPDR SERIES TRUST ST STR P500ETF 78464A854 216,994 2,417 SH SOLE 0 0 2,417
ISHARES TR CORE 60 BALA ETF 464289867 239,277 3,492 SH SOLE 0 0 3,492
ISHARES TR SHRT NAT MUN ETF 464288158 5,490,611 52,522 SH SOLE 0 0 52,522
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 928,459 31,677 SH SOLE 0 0 31,677
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,559,394 202,381 SH SOLE 0 0 202,381
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 11,546,335 321,356 SH SOLE 0 0 321,356
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,525,331 195,897 SH SOLE 0 0 195,897
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 7,826,296 135,968 SH SOLE 0 0 135,968
TESLA INC COM 88160R101 4,338,388 12,227 SH SOLE 0 0 12,227
ISHARES TR CORE HIGH DV ETF 46429B663 2,445,976 87,481 SH SOLE 0 0 87,481
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 670,541 9,510 SH SOLE 0 0 9,510
ISHARES TR MSCI USA MIN ETF 46429B697 372,757 3,826 SH SOLE 0 0 3,826
META PLATFORMS INC CL A 30303M102 1,187,989 1,638 SH SOLE 0 0 1,638
ISHARES TR MSCI USA MMENTM 46432F396 251,968 794 SH SOLE 0 0 794
ISHARES TR MSCI USA VALUE 46432F388 4,303,739 21,736 SH SOLE 0 0 21,736
ISHARES TR MSCI USA QLT FCT 46432F339 446,852 2,011 SH SOLE 0 0 2,011
ISHARES U S ETF TR SHOR DURA BD ETF 46431W507 1,011,644 20,290 SH SOLE 0 0 20,290
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 298,198 3,650 SH SOLE 0 0 3,650
ALPHABET INC CAP STK CL C 02079K107 476,067 1,397 SH SOLE 0 0 1,397
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 250,338 5,781 SH SOLE 0 0 5,781
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,419,648 9,788 SH SOLE 0 0 9,788
ISHARES TR IBONDS 27 ETF 46435UAA9 362,114 15,013 SH SOLE 0 0 15,013
ISHARES TR IBDS DEC28 ETF 46435U515 5,621,816 225,233 SH SOLE 0 0 225,233
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 9,956,826 196,931 SH SOLE 0 0 196,931
FIDELITY COVINGTON TRUST INTL MULTIFACTOR 316092535 1,724,390 47,767 SH SOLE 0 0 47,767
CROWDSTRIKE HLDGS INC CL A 22788C105 276,929 1,046 SH SOLE 0 0 1,046
ISHARES TR 0-3 MTH TREASURY 46436E718 6,606,479 65,619 SH SOLE 0 0 65,619
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 5,425,816 120,869 SH SOLE 0 0 120,869
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 291,806 5,745 SH SOLE 0 0 5,745
VANGUARD MUN BD FDS SHORT TAX EXEMPT 922907696 3,399,393 45,703 SH SOLE 0 0 45,703
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 673,781 4,466 SH SOLE 0 0 4,466