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
3M CO COM 88579Y101 350,445 2,135 SH SOLE 2,135 0 0
ABBOTT LABORATORIES COM 002824100 224,443 2,271 SH SOLE 2,271 0 0
ABBVIE INC COM 00287Y109 1,240,198 4,741 SH SOLE 4,741 0 0
ADVANCED MICRO DEVICES INC COM 007903107 578,113 945 SH SOLE 945 0 0
ALPHABET INC CAP STK CL A 02079K305 1,492,540 4,338 SH SOLE 4,338 0 0
ALPHABET INC CAP STK CL C 02079K107 1,014,725 2,978 SH SOLE 2,978 0 0
AMAZON COM INC COM 023135106 1,034,969 4,154 SH SOLE 4,154 0 0
AMGEN INC COM 031162100 955,985 2,268 SH SOLE 2,268 0 0
APPLE INC COM 037833100 799,248 2,400 SH Put SOLE 2,400 0 0
APPLE INC COM 037833100 31,048,351 93,233 SH SOLE 93,233 0 0
ARROW ELECTRS INC COM 042735100 236,761 1,043 SH SOLE 1,043 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210 336,971 186 SH SOLE 186 0 0
AT&T INC COM 00206R102 395,947 16,227 SH SOLE 16,227 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 396,122 1,535 SH SOLE 1,535 0 0
AVNET INC COM 053807103 392,804 3,930 SH SOLE 3,930 0 0
BANK OF AMER CORP COM 060505104 317,429 5,832 SH SOLE 5,832 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 581,108 1,167 SH SOLE 1,167 0 0
BLACKROCK ETF TRUST II ISHAR INTER ETF 092528207 5,531,895 241,673 SH SOLE 241,673 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 289,553 4,640 SH SOLE 4,640 0 0
BROADCOM INC COM 11135F101 1,628,819 4,638 SH SOLE 4,638 0 0
CACI INTL INC CL A 127190304 296,027 486 SH SOLE 486 0 0
CATERPILLAR INC COM 149123101 1,182,132 1,458 SH SOLE 1,458 0 0
CHEVRON CORPORATION COM 166764100 261,210 1,279 SH SOLE 1,279 0 0
CISCO SYS INC COM 17275R102 1,283,515 11,925 SH SOLE 11,925 0 0
CITIGROUP INC COM NEW 172967424 383,131 2,959 SH SOLE 2,959 0 0
COCA COLA CO COM 191216100 458,041 5,321 SH SOLE 5,321 0 0
COLGATE PALMOLIVE CO COM 194162103 238,555 2,796 SH SOLE 2,796 0 0
COMMERCIAL METALS CO COM 201723103 268,148 4,318 SH SOLE 4,318 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 1,103,332 1,212 SH SOLE 1,212 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105 460,665 1,740 SH SOLE 1,740 0 0
DIREXION SHARES ETF TRUST NASDAQ 100 EQ WT 25459Y207 1,029,102 8,568 SH SOLE 8,568 0 0
ELI LILLY & CO COM 532457108 1,376,925 1,190 SH SOLE 1,190 0 0
EMCOR GROUP INC COM 29084Q100 547,760 726 SH SOLE 726 0 0
EMERSON ELEC CO COM 291011104 338,802 2,184 SH SOLE 2,184 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,180,413 7,253 SH SOLE 7,253 0 0
GENWORTH FINL INC COM SHS 37247D106 266,956 29,761 SH SOLE 29,761 0 0
GILEAD SCIENCES INC COM 375558103 557,817 3,742 SH SOLE 3,742 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 280,842 312 SH SOLE 312 0 0
GROUP 1 AUTOMOTIVE INC COM 398905109 209,904 873 SH SOLE 873 0 0
HOME DEPOT INC COM 437076102 888,178 3,122 SH SOLE 3,122 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 316,479 1,439 SH SOLE 1,439 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486 1,447,202 63,471 SH SOLE 63,471 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494 1,801,634 77,447 SH SOLE 77,447 0 0
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445 821,263 39,306 SH SOLE 39,306 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478 1,354,700 60,849 SH SOLE 60,849 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 1,747,940 74,624 SH SOLE 74,624 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 11,648,080 55,995 SH SOLE 55,995 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 5,364,869 7,252 SH SOLE 7,252 0 0
ISHARES INC MSCI WORLD ETF 464286392 299,240 1,451 SH SOLE 1,451 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 16,498,940 145,442 SH SOLE 145,442 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 516,713 2,467 SH SOLE 2,467 0 0
ISHARES TR NATIONAL MUN ETF 464288414 427,755 4,231 SH SOLE 4,231 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 16,081,507 313,908 SH SOLE 313,908 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 61,846,445 249,451 SH SOLE 249,451 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 881,182 3,965 SH SOLE 3,965 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,114,214 4,066 SH SOLE 4,066 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 455,232 3,200 SH SOLE 3,200 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 37,919,169 136,454 SH SOLE 136,454 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 779,985 7,569 SH SOLE 7,569 0 0
ISHARES TR S&P 100 ETF 464287101 764,160 2,000 SH SOLE 2,000 0 0
ISHARES TR S&P 500 VAL ETF 464287408 232,161 1,017 SH SOLE 1,017 0 0
ISHARES TR PFD AND INCM SEC 464288687 6,563,308 222,485 SH SOLE 222,485 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 68,477,941 546,686 SH SOLE 546,686 0 0
ISHARES TR MSCI EAFE ETF 464287465 36,626,220 352,548 SH SOLE 352,548 0 0
JABIL INC COM 466313103 613,020 2,137 SH SOLE 2,137 0 0
JOHNSON & JOHNSON COM 478160104 1,372,711 5,185 SH SOLE 5,185 0 0
JPMORGAN CHASE & CO COM 46625H100 2,554,184 7,721 SH SOLE 7,721 0 0
KLA CORP COM NEW 482480100 295,124 1,514 SH SOLE 1,514 0 0
LAZARD INC COM 52110M109 1,766,647 48,762 SH SOLE 48,762 0 0
LISTED FDS TR WAHED FTSE ETF 53656F607 213,067 2,848 SH SOLE 2,848 0 0
LOCKHEED MARTIN CORP COM 539830109 513,833 1,009 SH SOLE 1,009 0 0
LOWES COS INC COM 548661107 221,710 1,203 SH SOLE 1,203 0 0
MARRIOTT INTL INC NEW CL A 571903202 283,113 796 SH SOLE 796 0 0
MASTERCARD INCORPORATED CL A 57636Q104 577,389 1,047 SH SOLE 1,047 0 0
MCDONALDS CORP COM 580135101 531,624 2,302 SH SOLE 2,302 0 0
MERCK & CO INC COM 58933Y105 708,386 4,875 SH SOLE 4,875 0 0
META PLATFORMS INC CL A 30303M102 700,532 966 SH SOLE 966 0 0
MICROSOFT CORP COM 594918104 2,717,084 5,297 SH SOLE 5,297 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 723,637 6,365 SH SOLE 6,365 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 718,251 13,642 SH SOLE 13,642 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 304,300 6,271 SH SOLE 6,271 0 0
NVIDIA CORPORATION COM 67066G104 1,827,984 8,004 SH SOLE 8,004 0 0
NYLIM ACTIVE ETF TR MACK MU INSD ETF 45409F843 438,967 19,720 SH SOLE 19,720 0 0
OLD REP INTL CORP COM 680223104 257,252 6,895 SH SOLE 6,895 0 0
PEPSICO INC COM 713448108 386,709 3,052 SH SOLE 3,052 0 0
PHILIP MORRIS INTL INC COM 718172109 234,136 1,227 SH SOLE 1,227 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635 4,164,535 97,782 SH SOLE 97,782 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,801,220 27,859 SH SOLE 27,859 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866 3,311,590 66,645 SH SOLE 66,645 0 0
PRICE T ROWE GROUP INC COM 74144T108 311,422 2,993 SH SOLE 2,993 0 0
PROCTER & GAMBLE CO COM 742718109 623,866 4,294 SH SOLE 4,294 0 0
QUALCOMM INC COM 747525103 628,313 3,414 SH SOLE 3,414 0 0
RADIAN GROUP INC COM 750236101 209,495 6,844 SH SOLE 6,844 0 0
REINSURANCE GROUP AMER INC COM NEW 759351604 379,702 1,542 SH SOLE 1,542 0 0
RELIANCE INC COM 759509102 460,931 1,198 SH SOLE 1,198 0 0
S&P GLOBAL INC COM 78409V104 462,319 1,172 SH SOLE 1,172 0 0
SANMINA CORP COM 801056102 634,844 2,954 SH SOLE 2,954 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,020,075 31,358 SH SOLE 31,358 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,153,117 35,339 SH SOLE 35,339 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,561,054 152,035 SH SOLE 152,035 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 256,209 8,741 SH SOLE 8,741 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 359,149 10,557 SH SOLE 10,557 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 478,805 2,446 SH SOLE 2,446 0 0
SPDR SERIES TRUST ST STR CONV ETF 78464A359 9,909,599 97,940 SH SOLE 97,940 0 0
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 3,182,113 68,212 SH SOLE 68,212 0 0
SPDR SERIES TRUST ST STR PR SP1500 78464A805 2,532,388 27,511 SH SOLE 27,511 0 0
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 1,457,076 15,900 SH SOLE 15,900 0 0
SPDR SERIES TRUST ST STR SP600 SML 78468R853 9,629,030 182,161 SH SOLE 182,161 0 0
STATE STR CORP COM 857477103 204,619 1,172 SH SOLE 1,172 0 0
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 1,915,358 3,766 SH SOLE 3,766 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 13,586,061 17,815 SH SOLE 17,815 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 10,698,314 16,291 SH SOLE 16,291 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 223,533 490 SH SOLE 490 0 0
TD SYNNEX CORPORATION COM 87162W100 521,149 2,029 SH SOLE 2,029 0 0
TEXAS INSTRS INC COM 882508104 1,416,719 5,058 SH SOLE 5,058 0 0
THE CIGNA GROUP COM 125523100 488,207 1,796 SH SOLE 1,796 0 0
TIDAL TRUST I SP FDS S&P 500 886364801 258,046 4,334 SH SOLE 4,334 0 0
UNITEDHEALTH GROUP INC COM 91324P102 597,239 1,627 SH SOLE 1,627 0 0
UNUM GROUP COM 91529Y106 286,088 3,261 SH SOLE 3,261 0 0
US BANCORP COM NEW 902973304 517,703 8,963 SH SOLE 8,963 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 273,590 3,900 SH SOLE 3,900 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 298,254 426 SH SOLE 426 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 370,616 1,604 SH SOLE 1,604 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 238,768 1,105 SH SOLE 1,105 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,422,855 5,001 SH SOLE 5,001 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,807,939 4,831 SH SOLE 4,831 0 0
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 237,973 815 SH SOLE 815 0 0
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 328,157 1,678 SH SOLE 1,678 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 693,923 8,849 SH SOLE 8,849 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 203,806 2,274 SH SOLE 2,274 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 600,546 1,790 SH SOLE 1,790 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 21,140,769 273,667 SH SOLE 273,667 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 549,302 2,354 SH SOLE 2,354 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 14,618,925 207,038 SH SOLE 207,038 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 311,622 6,794 SH SOLE 6,794 0 0
VISA INC COM CL A 92826C839 1,479,370 4,117 SH SOLE 4,117 0 0
WALMART INC COM 931142103 759,478 7,308 SH SOLE 7,308 0 0
WILLIAMS SONOMA INC COM 969904101 365,160 1,602 SH SOLE 1,602 0 0
WINTRUST FINL CORP COM 97650W108 405,038 2,856 SH SOLE 2,856 0 0
XPO INC COM 983793100 254,819 1,448 SH SOLE 1,448 0 0