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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AB ACTIVE ETFS INC TAX AWARE SHRT 00039J202 BBG0184H3201 847,676 33,975 SH   SOLE   0 0 33,975
ABBOTT LABS COM 002824100 BBG001S5N9M6 792,562 7,007 SH   SOLE   0 0 7,007
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 4,293,410 24,161 SH   SOLE   0 0 24,161
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 BBG006G2JWB1 901,063 10,627 SH   SOLE   0 0 10,627
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 285,660 1,500 SH   SOLE   0 0 1,500
APPLE INC COM 037833100 BBG001S5N8V8 948,341 3,787 SH   SOLE   0 0 3,787
AUTODESK INC COM 052769106 BBG001S5SCD4 350,250 1,185 SH   SOLE   0 0 1,185
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 213,042 470 SH   SOLE   0 0 470
CHURCH & DWIGHT CO INC COM 171340102 BBG001S5PR99 306,381 2,926 SH   SOLE   0 0 2,926
CONFLUENT INC CLASS A COM 20717M103 BBG007HWGYS3 606,173 21,680 SH   SOLE   0 0 21,680
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 3,158,366 31,848 SH   SOLE   0 0 31,848
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 1,710,004 19,164 SH   SOLE   0 0 19,164
DOCUSIGN INC COM 256163106 BBG001T535D5 693,527 7,711 SH   SOLE   0 0 7,711
ECOLAB INC COM 278865100 BBG001S5QRB5 1,915,097 8,173 SH   SOLE   0 0 8,173
ENOVIX CORPORATION COM 293594107 BBG00YC538B7 737,214 67,821 SH   SOLE   0 0 67,821
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 465,240 4,325 SH   SOLE   0 0 4,325
FIDELITY NATL INFORMATION SV COM 31620M106 BBG001S8SWQ0 4,168,297 51,607 SH   SOLE   0 0 51,607
GENERAC HLDGS INC COM 368736104 BBG001T5VGH6 568,723 3,668 SH   SOLE   0 0 3,668
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 2,693,140 29,156 SH   SOLE   0 0 29,156
INDEPENDENCE RLTY TR INC COM 45378A106 BBG004Q00LJ5 208,082 10,488 SH   SOLE   0 0 10,488
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 8,268,260 118,118 SH   SOLE   0 0 118,118
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 6,216,557 12,160 SH   SOLE   0 0 12,160
ISHARES TR AGENCY BOND ETF 464288166 BBG001T2RRQ4 2,486,643 23,033 SH   SOLE   0 0 23,033
ISHARES TR CHINA LG-CAP ETF 464287184 BBG001SMDNB1 3,270,930 107,455 SH   SOLE   0 0 107,455
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 7,937,991 104,986 SH   SOLE   0 0 104,986
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 4,730,511 113,116 SH   SOLE   0 0 113,116
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 3,524,173 94,940 SH   SOLE   0 0 94,940
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 273,828 3,084 SH   SOLE   0 0 3,084
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 3,722,228 20,902 SH   SOLE   0 0 20,902
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 8,945,787 40,486 SH   SOLE   0 0 40,486
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 367,024 1,098 SH   SOLE   0 0 1,098
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 203,081 3,530 SH   SOLE   0 0 3,530
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 23,975,818 475,994 SH   SOLE   0 0 475,994
JD.COM INC SPON ADS CL A 47215P106 BBG005YHY0R6 866,473 24,992 SH   SOLE   0 0 24,992
KROGER CO COM 501044101 BBG001S5SN40 4,994,854 81,682 SH   SOLE   0 0 81,682
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 236,957 450 SH   SOLE   0 0 450
MOLSON COORS BEVERAGE CO CL B 60871R209 BBG001S5VQ21 4,197,372 73,227 SH   SOLE   0 0 73,227
NETFLIX INC COM 64110L106 BBG001SF6L46 426,942 479 SH   SOLE   0 0 479
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843 BBG00HZ6Q4L0 3,876,646 162,611 SH   SOLE   0 0 162,611
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 4,157,303 57,990 SH   SOLE   0 0 57,990
OKTA INC CL A 679295105 BBG001YV1SN3 1,286,725 16,329 SH   SOLE   0 0 16,329
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 1,611,835 18,885 SH   SOLE   0 0 18,885
PEGASYSTEMS INC COM 705573103 BBG001S93CK5 667,964 7,167 SH   SOLE   0 0 7,167
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 4,531,462 27,029 SH   SOLE   0 0 27,029
RINGCENTRAL INC CL A 76680R206 BBG001SHXFM5 623,423 17,807 SH   SOLE   0 0 17,807
ROKU INC COM CL A 77543R102 BBG001ZZPQM2 660,288 8,882 SH   SOLE   0 0 8,882
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 233,176 2,015 SH   SOLE   0 0 2,015
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 10,875,065 138,342 SH   SOLE   0 0 138,342
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 3,025,577 21,993 SH   SOLE   0 0 21,993
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 4,754,240 62,812 SH   SOLE   0 0 62,812
SERVICENOW INC COM 81762P102 BBG001T4JFC0 642,433 606 SH   SOLE   0 0 606
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 26,608,941 45,402 SH   SOLE   0 0 45,402
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 BBG002D68GN8 5,853,249 24,170 SH   SOLE   0 0 24,170
VANECK ETF TRUST VANECK SHRT MUNI 92189F528 BBG001SSZW79 291,043 17,030 SH   SOLE   0 0 17,030
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 235,999 438 SH   SOLE   0 0 438
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,465,343 7,394 SH   SOLE   0 0 7,394
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 4,384,899 15,657 SH   SOLE   0 0 15,657
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 5,417,142 93,399 SH   SOLE   0 0 93,399
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 230,938 1,810 SH   SOLE   0 0 1,810
VANGUARD WORLD FD EXTENDED DUR 921910709 BBG001SV5CV2 33,166,967 489,766 SH   SOLE   0 0 489,766
ZIONS BANCORPORATION N A COM 989701107 BBG001S5XN80 276,567 5,098 SH   SOLE   0 0 5,098
ZOOM COMMUNICATIONS INC CL A 98980L101 BBG0042V6JN7 623,419 7,639 SH   SOLE   0 0 7,639