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
ABBOTT LABS COM 002824100 413 2,935 SH   SOLE   0 0 2,935
ABBVIE INC COM 00287Y109 346 2,558 SH   SOLE   0 0 2,558
ABRDN ETFS BBRG ALL COMD K1 003261104 914 39,736 SH   SOLE   0 0 39,736
ALPHABET INC CAP STK CL C 02079K107 457 158 SH   SOLE   0 0 158
ALPHABET INC CAP STK CL A 02079K305 611 211 SH   SOLE   0 0 211
AMAZON COM INC COM 023135106 590 177 SH   SOLE   0 0 177
APPLE INC COM 037833100 1,244 7,004 SH   SOLE   0 0 7,004
AUTOMATIC DATA PROCESSING IN COM 053015103 233 944 SH   SOLE   0 0 944
BK OF AMERICA CORP COM 060505104 907 20,382 SH   SOLE   0 0 20,382
BRISTOL-MYERS SQUIBB CO COM 110122108 377 6,039 SH   SOLE   0 0 6,039
CORMEDIX INC COM 21900C308 52 11,373 SH   SOLE   0 0 11,373
DBX ETF TR XTRACK USD HIGH 233051432 5,951 149,371 SH   SOLE   0 0 149,371
GENUINE PARTS CO COM 372460105 237 1,688 SH   SOLE   0 0 1,688
GOLDMAN SACHS GROUP INC COM 38141G104 226 592 SH   SOLE   0 0 592
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 788 35,652 SH   SOLE   0 0 35,652
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 5,924 36,398 SH   SOLE   0 0 36,398
ISHARES INC MSCI GBL MIN VOL 464286525 2,325 21,469 SH   SOLE   0 0 21,469
ISHARES TR MSCI USA MIN VOL 46429B697 1,730 21,381 SH   SOLE   0 0 21,381
ISHARES TR SHRT NAT MUN ETF 464288158 580 5,405 SH   SOLE   0 0 5,405
ISHARES TR JPMORGAN USD EMG 464288281 3,589 32,905 SH   SOLE   0 0 32,905
ISHARES TR MSCI EAFE ETF 464287465 327 4,155 SH   SOLE   0 0 4,155
ISHARES TR NATIONAL MUN ETF 464288414 3,296 28,342 SH   SOLE   0 0 28,342
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 628 12,440 SH   SOLE   0 0 12,440
JOHNSON & JOHNSON COM 478160104 627 3,664 SH   SOLE   0 0 3,664
JPMORGAN CHASE & CO COM 46625H100 614 3,878 SH   SOLE   0 0 3,878
LINCOLN ELEC HLDGS INC COM 533900106 258 1,850 SH   SOLE   0 0 1,850
MCDONALDS CORP COM 580135101 395 1,472 SH   SOLE   0 0 1,472
META PLATFORMS INC CL A 30303M102 432 1,284 SH   SOLE   0 0 1,284
MICROSOFT CORP COM 594918104 1,131 3,363 SH   SOLE   0 0 3,363
MOODYS CORP COM 615369105 747 1,912 SH   SOLE   0 0 1,912
MORGAN STANLEY COM NEW 617446448 223 2,273 SH   SOLE   0 0 2,273
NVIDIA CORPORATION COM 67066G104 530 1,801 SH   SOLE   0 0 1,801
QUALCOMM INC COM 747525103 438 2,396 SH   SOLE   0 0 2,396
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 45,262 397,661 SH   SOLE   0 0 397,661
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 24,780 637,508 SH   SOLE   0 0 637,508
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,292 45,069 SH   SOLE   0 0 45,069
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,167 99,289 SH   SOLE   0 0 99,289
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 826 27,893 SH   SOLE   0 0 27,893
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 6,521 157,167 SH   SOLE   0 0 157,167
SPDR SER TR NUVEEN BLOOMBERG 78464A284 7,261 120,851 SH   SOLE   0 0 120,851
SPDR SER TR NUVEEN BLMBRG SH 78468R739 2,789 56,717 SH   SOLE   0 0 56,717
SPDR SER TR PRTFLO S&P500 VL 78464A508 25,009 595,453 SH   SOLE   0 0 595,453
SPDR SER TR PRTFLO S&P500 GW 78464A409 31,309 432,024 SH   SOLE   0 0 432,024
SPDR SER TR BLOOMBERG EMERGI 78464A391 1,666 68,152 SH   SOLE   0 0 68,152
SPDR SER TR SSGA US LRG ETF 78468R804 1,877 12,459 SH   SOLE   0 0 12,459
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 606 6,629 SH   SOLE   0 0 6,629
TELADOC HEALTH INC COM 87918A105 247 2,694 SH   SOLE   0 0 2,694
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 3,370 117,832 SH   SOLE   0 0 117,832
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,674 26,810 SH   SOLE   0 0 26,810
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 6,252 34,636 SH   SOLE   0 0 34,636
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 20,531 242,259 SH   SOLE   0 0 242,259
VANGUARD INDEX FDS VALUE ETF 922908744 4,005 27,226 SH   SOLE   0 0 27,226
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,356 4,812 SH   SOLE   0 0 4,812
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,271 7,107 SH   SOLE   0 0 7,107
VANGUARD INDEX FDS TOTAL STK MKT 922908769 348 1,440 SH   SOLE   0 0 1,440
VANGUARD INDEX FDS GROWTH ETF 922908736 800 2,492 SH   SOLE   0 0 2,492
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,559 193,272 SH   SOLE   0 0 193,272
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,081 59,946 SH   SOLE   0 0 59,946
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 17,628 321,043 SH   SOLE   0 0 321,043
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 5,637 26,424 SH   SOLE   0 0 26,424
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 38,758 759,077 SH   SOLE   0 0 759,077
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,614 20,788 SH   SOLE   0 0 20,788
VICTORY PORTFOLIOS II VCSHS INTL VOLTY 92647N840 1,448 32,144 SH   SOLE   0 0 32,144
WELLS FARGO CO NEW COM 949746101 212 4,409 SH   SOLE   0 0 4,409