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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADOBE INC COM 00724F101   211,223 475 SH   SOLE   475 0 0
AIR PRODS & CHEMS INC COM 009158106   255,525 881 SH   SOLE   881 0 0
ALPHABET INC CAP STK CL A 02079K305   459,999 2,430 SH   SOLE   2,430 0 0
ALPHABET INC CAP STK CL C 02079K107   1,222,625 6,420 SH   SOLE   6,420 0 0
AMAZON COM INC COM 023135106   1,610,103 7,339 SH   SOLE   7,339 0 0
AMBEV SA SPONSORED ADR 02319V103   28,227 15,258 SH   SOLE   15,258 0 0
AMNEAL PHARMACEUTICALS INC COM STK CL A 03168L105   407,199 51,414 SH   SOLE   51,414 0 0
ANALOG DEVICES INC COM 032654105   487,596 2,295 SH   SOLE   2,295 0 0
APPLE INC COM 037833100   211,354 844 SH   SOLE   844 0 0
BANK AMERICA CORP COM 060505104   285,719 6,501 SH   SOLE   6,501 0 0
BANK NEW YORK MELLON CORP COM 064058100   769,913 10,021 SH   SOLE   10,021 0 0
BECTON DICKINSON & CO COM 075887109   706,473 3,114 SH   SOLE   3,114 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,361,840 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,305,382 5,086 SH   SOLE   5,086 0 0
BOOKING HOLDINGS INC COM 09857L108   1,470,652 296 SH   SOLE   296 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   293,773 5,194 SH   SOLE   5,194 0 0
CARMAX INC COM 143130102   759,469 9,289 SH   SOLE   9,289 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104   234,309 1,255 SH   SOLE   1,255 0 0
COMCAST CORP NEW CL A 20030N101   761,446 20,289 SH   SOLE   20,289 0 0
CONOCOPHILLIPS COM 20825C104   567,649 5,724 SH   SOLE   5,724 0 0
DBX ETF TR XTRACK USD HIGH 233051432   1,443,669 40,013 SH   SOLE   40,013 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   227,054 1,786 SH   SOLE   1,786 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,290,443 95,127 SH   SOLE   95,127 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   5,326,727 214,269 SH   SOLE   214,269 0 0
DISNEY WALT CO COM 254687106   295,634 2,655 SH   SOLE   2,655 0 0
EBAY INC. COM 278642103   584,870 9,441 SH   SOLE   9,441 0 0
ELEVANCE HEALTH INC COM 036752103   511,664 1,387 SH   SOLE   1,387 0 0
ENBRIDGE INC COM 29250N105   381,870 9,000 SH   SOLE   9,000 0 0
EVERSOURCE ENERGY COM 30040W108   213,410 3,716 SH   SOLE   3,716 0 0
EXXON MOBIL CORP COM 30231G102   738,898 6,869 SH   SOLE   6,869 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   656,367 15,275 SH   SOLE   15,275 0 0
FISERV INC COM 337738108   342,846 1,669 SH   SOLE   1,669 0 0
FLAGSTAR FINANCIAL INC COM NEW 649445400   191,759 20,553 SH   SOLE   20,553 0 0
GENERAL DYNAMICS CORP COM 369550108   482,187 1,830 SH   SOLE   1,830 0 0
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   653,935 19,620 SH   SOLE   19,620 0 0
INGREDION INC COM 457187102   200,150 1,455 SH   SOLE   1,455 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   372,612 1,695 SH   SOLE   1,695 0 0
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628   282,312 4,320 SH   SOLE   4,320 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,383,516 19,309 SH   SOLE   19,309 0 0
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V118   247,516 3,707 SH   SOLE   3,707 0 0
IQVIA HLDGS INC COM 46266C105   318,543 1,621 SH   SOLE   1,621 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   506,202 7,544 SH   SOLE   7,544 0 0
ISHARES INC CORE MSCI EMKT 46434G103   790,141 15,131 SH   SOLE   15,131 0 0
ISHARES TR MSCI USA VALUE 46432F388   375,655 3,557 SH   SOLE   3,557 0 0
ISHARES TR CORE MSCI INTL 46435G326   893,941 13,866 SH   SOLE   13,866 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,399,856 22,466 SH   SOLE   22,466 0 0
ISHARES TR CORE S&P SCP ETF 464287804   649,265 5,635 SH   SOLE   5,635 0 0
ISHARES TR MSCI EAFE ETF 464287465   201,047 2,659 SH   SOLE   2,659 0 0
ISHARES TR EXPANDED TECH 464287515   386,063 3,856 SH   SOLE   3,856 0 0
ISHARES TR 20 YR TR BD ETF 464287432   765,011 8,760 SH   SOLE   8,760 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   201,572 4,820 SH   SOLE   4,820 0 0
ISHARES TR TIPS BD ETF 464287176   525,505 4,932 SH   SOLE   4,932 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   634,254 5,489 SH   SOLE   5,489 0 0
ISHARES TR 10+ YR INVST GRD 464289511   894,782 18,113 SH   SOLE   18,113 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   1,102,239 12,414 SH   SOLE   12,414 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   3,772,625 21,185 SH   SOLE   21,185 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852   1,306,668 29,576 SH   SOLE   29,576 0 0
JOHNSON & JOHNSON COM 478160104   326,407 2,257 SH   SOLE   2,257 0 0
JPMORGAN CHASE & CO. COM 46625H100   1,300,427 5,425 SH   SOLE   5,425 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   132,774 48,814 SH   SOLE   48,814 0 0
MASTERCARD INCORPORATED CL A 57636Q104   340,164 646 SH   SOLE   646 0 0
MCKESSON CORP COM 58155Q103   363,033 637 SH   SOLE   637 0 0
MEDTRONIC PLC SHS G5960L103   516,824 6,470 SH   SOLE   6,470 0 0
META PLATFORMS INC CL A 30303M102   1,551,602 2,650 SH   SOLE   2,650 0 0
MICROSOFT CORP COM 594918104   1,196,217 2,838 SH   SOLE   2,838 0 0
NOVARTIS AG SPONSORED ADR 66987V109   421,839 4,335 SH   SOLE   4,335 0 0
OMNICOM GROUP INC COM 681919106   240,826 2,799 SH   SOLE   2,799 0 0
ORACLE CORP COM 68389X105   937,683 5,627 SH   SOLE   5,627 0 0
PEPSICO INC COM 713448108   273,708 1,800 SH   SOLE   1,800 0 0
PHILIP MORRIS INTL INC COM 718172109   939,332 7,805 SH   SOLE   7,805 0 0
PIMCO ETF TR MULTISECTOR BD 72201R585   658,212 25,394 SH   SOLE   25,394 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775   653,646 7,229 SH   SOLE   7,229 0 0
QUALCOMM INC COM 747525103   321,066 2,090 SH   SOLE   2,090 0 0
SALESFORCE INC COM 79466L302   240,718 720 SH   SOLE   720 0 0
SANOFI SPONSORED ADR 80105N105   405,518 8,408 SH   SOLE   8,408 0 0
SCHWAB CHARLES CORP COM 808513105   1,066,854 14,415 SH   SOLE   14,415 0 0
SPDR GOLD TR GOLD SHS 78463V107   220,823 912 SH   SOLE   912 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,241,920 84,491 SH   SOLE   84,491 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,156,872 151,095 SH   SOLE   151,095 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,642,782 2,803 SH   SOLE   2,803 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,125,382 23,246 SH   SOLE   23,246 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   11,230,631 127,766 SH   SOLE   127,766 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   5,584,999 109,210 SH   SOLE   109,210 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   1,593,479 53,365 SH   SOLE   53,365 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,440,492 36,570 SH   SOLE   36,570 0 0
STARBUCKS CORP COM 855244109   358,886 3,933 SH   SOLE   3,933 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   485,628 2,459 SH   SOLE   2,459 0 0
UNILEVER PLC SPON ADR NEW 904767704   564,392 9,954 SH   SOLE   9,954 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   303,681 1,254 SH   SOLE   1,254 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   1,574,241 54,909 SH   SOLE   54,909 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,559,054 34,244 SH   SOLE   34,244 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   5,266,182 68,153 SH   SOLE   68,153 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   911,202 18,577 SH   SOLE   18,577 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,624,410 51,913 SH   SOLE   51,913 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,068,938 42,729 SH   SOLE   42,729 0 0
VANGUARD WORLD FD MATERIALS ETF 92204A801   2,229,097 11,867 SH   SOLE   11,867 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876   5,302,489 32,447 SH   SOLE   32,447 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   2,175,138 8,574 SH   SOLE   8,574 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405   5,689,675 48,189 SH   SOLE   48,189 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306   2,326,968 19,182 SH   SOLE   19,182 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207   4,413,614 20,880 SH   SOLE   20,880 0 0
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   5,143,776 20,220 SH   SOLE   20,220 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   5,113,426 13,622 SH   SOLE   13,622 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884   5,948,295 38,386 SH   SOLE   38,386 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   5,832,484 9,380 SH   SOLE   9,380 0 0
VISA INC COM CL A 92826C839   688,019 2,177 SH   SOLE   2,177 0 0
WELLS FARGO CO NEW COM 949746101   997,619 14,203 SH   SOLE   14,203 0 0
YUM CHINA HLDGS INC COM 98850P109   204,819 4,252 SH   SOLE   4,252 0 0