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
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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
3M CO COM 88579Y101 525,937 3,204 SH SOLE 3,204 0 0
AB ACTIVE ETFS INC TAX AW INTER ETF 00039J889 268,697 11,200 SH SOLE 11,200 0 0
ABBVIE INC COM 00287Y109 1,425,252 5,448 SH SOLE 5,448 0 0
ALPHABET INC CAP STK CL A 02079K305 578,567 1,681 SH SOLE 1,681 0 0
ALPHABET INC CAP STK CL C 02079K107 750,527 2,203 SH SOLE 2,203 0 0
ALTRIA GROUP INC COM 02209S103 318,323 4,727 SH SOLE 4,727 0 0
AMAZON COM INC COM 023135106 704,874 2,829 SH SOLE 2,829 0 0
AMERICAN CENTY ETF TR CORE MUNI FXD IN 025072695 541,434 12,674 SH SOLE 12,674 0 0
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505 2,077,997 43,853 SH SOLE 43,853 0 0
AMGEN INC COM 031162100 750,288 1,780 SH SOLE 1,780 0 0
APPLE INC COM 037833100 3,526,083 10,588 SH SOLE 10,588 0 0
AT&T INC COM 00206R102 816,630 33,468 SH SOLE 33,468 0 0
BANK OF AMER CORP COM 060505104 3,003,937 55,189 SH SOLE 55,189 0 0
BARCLAYS PLC ADR 06738E204 1,162,533 47,900 SH SOLE 47,900 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 872,906 1,753 SH SOLE 1,753 0 0
BLACKROCK ETF TRUST II ISHAR INTER ETF 092528207 1,154,869 50,453 SH SOLE 50,453 0 0
BNY MELLON ETF TRUST II MUN OPPTYS ETF 05613H803 402,393 17,090 SH SOLE 17,090 0 0
BOEING CO COM 097023105 679,269 3,651 SH SOLE 3,651 0 0
BP PLC SPONSORED ADR 055622104 651,052 14,800 SH SOLE 14,800 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 900,072 14,424 SH SOLE 14,424 0 0
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 8,008,270 378,284 SH SOLE 378,284 0 0
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 2,870,513 110,660 SH SOLE 110,660 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 823,449 15,010 SH SOLE 15,010 0 0
CATERPILLAR INC COM 149123101 879,816 1,085 SH SOLE 1,085 0 0
CHARLES SCHWAB CORP (THE) COM 808513105 513,583 5,255 SH SOLE 5,255 0 0
CISCO SYS INC COM 17275R102 1,735,273 16,123 SH SOLE 16,123 0 0
CITIGROUP INC COM NEW 172967424 2,465,170 19,039 SH SOLE 19,039 0 0
COCA COLA CO COM 191216100 587,668 6,827 SH SOLE 6,827 0 0
CONAGRA BRANDS INC COM 205887102 215,416 16,028 SH SOLE 16,028 0 0
CONSOLIDATED EDISON INC COM 209115104 389,174 3,808 SH SOLE 3,808 0 0
CORNING INC COM 219350105 1,739,522 11,313 SH SOLE 11,313 0 0
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 563,123 12,234 SH SOLE 12,234 0 0
DOUBLELINE ETF TRUST OPPO CORE BD ETF 25861R105 8,496,615 195,414 SH SOLE 195,414 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 282,681 2,479 SH SOLE 2,479 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 420,064 3,234 SH SOLE 3,234 0 0
ELI LILLY & CO COM 532457108 208,015 180 SH SOLE 180 0 0
EMERSON ELEC CO COM 291011104 1,287,640 8,302 SH SOLE 8,302 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,609,856 9,892 SH SOLE 9,892 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 578,463 5,465 SH SOLE 5,465 0 0
FIDELITY MERRIMACK STR TR MUN BD OPPORTUN 316188853 919,570 19,065 SH SOLE 19,065 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 8,298,332 191,647 SH SOLE 191,647 0 0
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 2,060,702 43,057 SH SOLE 43,057 0 0
FIRST TR EXCH TRADED FD III MUNI HI INCM ETF 33739P301 370,735 8,266 SH SOLE 8,266 0 0
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 3,243,660 79,133 SH SOLE 79,133 0 0
FIRST TR EXCHNG TRADED FD VI SMITH OPPORT FXD 33740F805 8,620,147 208,872 SH SOLE 208,872 0 0
FORD MTR CO COM 345370860 1,453,557 120,527 SH SOLE 120,527 0 0
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 2,213,388 94,914 SH SOLE 94,914 0 0
FREEPORT MCMORAN INC CL B 35671D857 2,450,840 35,012 SH SOLE 35,012 0 0
GE AEROSPACE COM NEW 369604301 1,318,176 4,221 SH SOLE 4,221 0 0
GE VERNOVA INC COM 36828A101 1,647,199 1,733 SH SOLE 1,733 0 0
GILEAD SCIENCES INC COM 375558103 896,983 6,018 SH SOLE 6,018 0 0
GOLDMAN SACHS ETF TR MUNI INCOME ETF 38149W549 1,702,671 34,891 SH SOLE 34,891 0 0
GSK PLC SPONSORED ADR 37733W204 504,870 10,481 SH SOLE 10,481 0 0
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 2,355,327 63,917 SH SOLE 63,917 0 0
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305 259,374 8,093 SH SOLE 8,093 0 0
HOME DEPOT INC COM 437076102 933,937 3,283 SH SOLE 3,283 0 0
HONEYWELL INTL INC COM 438516205 546,546 2,591 SH SOLE 2,591 0 0
INTEL CORP COM 458140100 2,891,680 24,051 SH SOLE 24,051 0 0
INVESCO ACTIVELY MANAGED EXC INTER MUN ETF 46127B502 1,203,045 24,517 SH SOLE 24,517 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 5,448,138 17,884 SH SOLE 17,884 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,609,562 2,176 SH SOLE 2,176 0 0
ISHARES TR CORE 60 BALA ETF 464289867 251,690 3,673 SH SOLE 3,673 0 0
ISHARES TR CORE 80 20 ETF 464289859 247,017 2,539 SH SOLE 2,539 0 0
ISHARES TR CORE DIV GRWTH 46434V621 243,211 3,226 SH SOLE 3,226 0 0
ISHARES TR CORE MSCI EAFE 46432F842 379,284 3,915 SH SOLE 3,915 0 0
ISHARES TR CORE S&P MCP ETF 464287507 8,646,388 120,172 SH SOLE 120,172 0 0
ISHARES TR CORE S&P SCP ETF 464287804 10,763,841 79,123 SH SOLE 79,123 0 0
ISHARES TR CORE S&P500 ETF 464287200 7,256,382 9,475 SH SOLE 9,475 0 0
ISHARES TR CRE U S REIT ETF 464288521 573,288 9,310 SH SOLE 9,310 0 0
ISHARES TR MSCI EAFE ETF 464287465 462,890 4,456 SH SOLE 4,456 0 0
ISHARES TR RUS 1000 ETF 464287622 2,133,379 5,127 SH SOLE 5,127 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 731,748 5,842 SH SOLE 5,842 0 0
ISHARES TR RUS MID CAP ETF 464287499 503,328 4,717 SH SOLE 4,717 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 458,920 1,651 SH SOLE 1,651 0 0
ISHARES TR SP SMCP600VL ETF 464287879 202,500 1,581 SH SOLE 1,581 0 0
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 11,426,812 255,177 SH SOLE 255,177 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 658,196 11,707 SH SOLE 11,707 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 2,666,869 56,050 SH SOLE 56,050 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 421,925 6,887 SH SOLE 6,887 0 0
JOHN HANCOCK EXCHANGE TRADED DYNAMIC MUNICIP 47804J743 333,631 13,494 SH SOLE 13,494 0 0
JOHNSON & JOHNSON COM 478160104 853,663 3,225 SH SOLE 3,225 0 0
JPMORGAN CHASE & CO COM 46625H100 2,343,278 7,083 SH SOLE 7,083 0 0
LAMB WESTON HLDGS INC COM 513272104 229,295 5,500 SH SOLE 5,500 0 0
LOCKHEED MARTIN CORP COM 539830109 868,008 1,704 SH SOLE 1,704 0 0
MASTERCARD INCORPORATED CL A 57636Q104 279,148 506 SH SOLE 506 0 0
MERCK & CO INC COM 58933Y105 2,025,249 13,937 SH SOLE 13,937 0 0
MFS ACTIVE EXCHANGE TRADED F INTERMEDITE MUNI 55286W306 232,593 9,893 SH SOLE 9,893 0 0
MICROSOFT CORP COM 594918104 3,155,234 6,152 SH SOLE 6,152 0 0
MORGAN STANLEY ETF TRUST EATO VAN MU ETF 61774R882 313,043 6,233 SH SOLE 6,233 0 0
NEOS ETF TRUST NEOS S&P 500 HI 78433H303 210,009 3,950 SH SOLE 3,950 0 0
NOKIA CORP SPONSORED ADR 654902204 1,014,000 100,000 SH SOLE 100,000 0 0
NUSHARES ETF TR NUVE MUN INC ETF 67092P714 1,225,412 52,323 SH SOLE 52,323 0 0
NVIDIA CORPORATION COM 67066G104 976,947 4,278 SH SOLE 4,278 0 0
NYLIM ACTIVE ETF TR MACK MU INSD ETF 45409F843 868,837 39,031 SH SOLE 39,031 0 0
NYLIM ACTIVE ETF TR MACKAY MUN INTER 45409F827 1,549,736 67,733 SH SOLE 67,733 0 0
NYLIM ETF TR FTSE INTL EQTY C 45409B560 21,250,585 571,713 SH SOLE 571,713 0 0
ORACLE CORP COM 68389X105 243,863 1,776 SH SOLE 1,776 0 0
PEPSICO INC COM 713448108 229,110 1,808 SH SOLE 1,808 0 0
PETROLEO BRASILEIRO S A SPONSORED ADR 71654V408 782,625 37,500 SH SOLE 37,500 0 0
PFIZER INC COM 717081103 893,464 31,328 SH SOLE 31,328 0 0
PGIM ETF TR MUN INCO OPP ETF 69344A776 1,435,317 29,612 SH SOLE 29,612 0 0
PHILIP MORRIS INTL INC COM 718172109 613,486 3,215 SH SOLE 3,215 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866 2,718,440 54,708 SH SOLE 54,708 0 0
PIMCO ETF TR MULTISECTOR BD 72201R585 12,451,905 490,426 SH SOLE 490,426 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635 2,232,080 52,409 SH SOLE 52,409 0 0
PROCTER & GAMBLE CO COM 742718109 542,375 3,733 SH SOLE 3,733 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 21,144,213 390,836 SH SOLE 390,836 0 0
PROSHARES TR S&P MDCP 400 DIV 74347B680 3,722,467 43,044 SH SOLE 43,044 0 0
PROSHARES TR S&P SMALLCAP 600 74347B698 4,890,815 68,193 SH SOLE 68,193 0 0
RTX CORPORATION COM 75513E101 1,592,026 8,575 SH SOLE 8,575 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 210,966 7,680 SH SOLE 7,680 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 224,022 4,504 SH SOLE 4,504 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649 279,628 11,574 SH SOLE 11,574 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,044,781 34,826 SH SOLE 34,826 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,690,169 122,059 SH SOLE 122,059 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 374,577 1,914 SH SOLE 1,914 0 0
SHELL PLC SPON ADS 780259305 950,500 10,000 SH SOLE 10,000 0 0
SLB LIMITED COM STK 806857108 638,768 13,111 SH SOLE 13,111 0 0
SOLVENTUM CORP COM SHS 83444M101 487,029 5,525 SH SOLE 5,525 0 0
SOUTHERN CO COM 842587107 572,377 6,905 SH SOLE 6,905 0 0
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 222,519 1,475 SH SOLE 1,475 0 0
SPDR GOLD TR GOLD SHS 78463V107 523,655 1,375 SH SOLE 1,375 0 0
SPDR INDEX SHS FDS ST INTL CAP ETF 78463X871 434,911 9,544 SH SOLE 9,544 0 0
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 505,424 9,765 SH SOLE 9,765 0 0
SPDR INDEX SHS FDS ST STR NAT ETF 78463X541 2,955,645 39,957 SH SOLE 39,957 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 2,995,700 59,663 SH SOLE 59,663 0 0
SPDR INDEX SHS FDS ST STR SP N AM 78463X152 280,785 3,352 SH SOLE 3,352 0 0
SPDR SERIES TRUST ST STR P400MID 78464A847 349,830 5,549 SH SOLE 5,549 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 1,661,419 18,510 SH SOLE 18,510 0 0
SPDR SERIES TRUST ST STR SP600SM C 78464A300 251,826 2,465 SH SOLE 2,465 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,080,045 1,416 SH SOLE 1,416 0 0
T ROWE PRICE EXCHANGE-TRADED INTER MU IN ETF 87283Q818 1,605,567 33,162 SH SOLE 33,162 0 0
T ROWE PRICE EXCHANGE-TRADED TOTAL RETURN ETF 87283Q800 9,755,607 255,810 SH SOLE 255,810 0 0
TEVA PHARMACEUTICAL INDS LTD SHS M8769Q102 661,320 16,700 SH SOLE 16,700 0 0
TEXAS INSTRS INC COM 882508104 795,456 2,840 SH SOLE 2,840 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 212,690 2,012 SH SOLE 2,012 0 0
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 266,444 757 SH SOLE 757 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 1,783,857 22,747 SH SOLE 22,747 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,269,175 4,461 SH SOLE 4,461 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 521,696 2,258 SH SOLE 2,258 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 307,339 3,429 SH SOLE 3,429 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 67,752,004 96,670 SH SOLE 96,670 0 0
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 928,932 12,268 SH SOLE 12,268 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,743,331 113,696 SH SOLE 113,696 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,745,300 37,007 SH SOLE 37,007 0 0
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 9,348,409 126,313 SH SOLE 126,313 0 0
VANGUARD MUN BD FDS CORE TAX EXEMPT 922907712 2,311,628 32,299 SH SOLE 32,299 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,026,727 21,679 SH SOLE 21,679 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 2,421,735 7,040 SH SOLE 7,040 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,186,981 13,660 SH SOLE 13,660 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,472,580 35,017 SH SOLE 35,017 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 9,733,620 103,089 SH SOLE 103,089 0 0
VICTORY PORTFOLIOS II SHS FR CA FL ETF 92647X830 19,508,856 381,107 SH SOLE 381,107 0 0
VICTORY PORTFOLIOS II VICSHS DV AC ETF 92647N667 689,853 12,290 SH SOLE 12,290 0 0
VISA INC COM CL A 92826C839 892,935 2,485 SH SOLE 2,485 0 0
WALMART INC COM 931142103 499,767 4,809 SH SOLE 4,809 0 0
WELLS FARGO & CO COM 949746101 930,763 11,627 SH SOLE 11,627 0 0