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
ISHARES TR CORE S&P500 ETF 464287200   17,078,217 31,208 SH   SOLE   31,208 0 0
VANECK ETF TRUST MORNINGSTAR SMID 92189H730   505,423 15,814 SH   SOLE   15,814 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   734,664 34,884 SH   SOLE   34,884 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   768,503 37,580 SH   SOLE   37,580 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   2,880,975 6,013 SH   SOLE   6,013 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   1,443,775 28,177 SH   SOLE   28,177 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,538,819 11,644 SH   SOLE   11,644 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,825,862 25,342 SH   SOLE   25,342 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,588,415 26,342 SH   SOLE   26,342 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   225,257 3,284 SH   SOLE   3,284 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   533,241 3,109 SH   SOLE   3,109 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   616,967 16,058 SH   SOLE   16,058 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,062,071 23,301 SH   SOLE   23,301 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405   217,549 2,178 SH   SOLE   2,178 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   535,832 2,142 SH   SOLE   2,142 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   931,648 5,104 SH   SOLE   5,104 0 0
ISHARES TR CORE MSCI EAFE 46432F842   1,405,372 19,347 SH   SOLE   19,347 0 0
ISHARES INC CORE MSCI EMKT 46434G103   632,192 11,810 SH   SOLE   11,810 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,343,036 22,950 SH   SOLE   22,950 0 0
ISHARES TR CORE S&P SCP ETF 464287804   848,099 7,951 SH   SOLE   7,951 0 0
ISHARES TR CORE S&P US GWT 464287671   1,164,625 9,136 SH   SOLE   9,136 0 0
ISHARES TR CORE S&P US VLU 464287663   646,507 7,336 SH   SOLE   7,336 0 0
ISHARES TR MBS ETF 464288588   1,734,252 18,890 SH   SOLE   18,890 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   900,775 5,275 SH   SOLE   5,275 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,356,976 6,688 SH   SOLE   6,688 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,356,662 16,973 SH   SOLE   16,973 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,522,219 13,167 SH   SOLE   13,167 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,360,898 24,010 SH   SOLE   24,010 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   840,523 24,772 SH   SOLE   24,772 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   224,069 3,821 SH   SOLE   3,821 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   475,630 1,305 SH   SOLE   1,305 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,566,865 33,010 SH   SOLE   33,010 0 0
BLACKROCK SCIENCE & TECHNOLO SHS 09258G104   232,190 6,165 SH   SOLE   6,165 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,627,583 10,341 SH   SOLE   10,341 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   315,463 590 SH   SOLE   590 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   347,691 8,904 SH   SOLE   8,904 0 0
ISHARES TR S&P 500 VAL ETF 464287408   319,428 1,755 SH   SOLE   1,755 0 0
BANK AMERICA CORP 7.25%CNV PFD L 060505682   1,025,399 857 SH   SOLE   857 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   786,080 4,785 SH   SOLE   4,785 0 0
MICROSOFT CORP COM 594918104   1,906,679 4,266 SH   SOLE   4,266 0 0
PACER FDS TR SWAN SOS FD OF 69374H568   269,424 9,695 SH   SOLE   9,695 0 0
T-MOBILE US INC COM 872590104   657,627 3,733 SH   SOLE   3,733 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,025,773 12,247 SH   SOLE   12,247 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804   605,888 510 SH   SOLE   510 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   690,610 36,016 SH   SOLE   36,016 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   426,983 2,662 SH   SOLE   2,662 0 0
PACER FDS TR US CASH COWS 100 69374H881   456,289 8,374 SH   SOLE   8,374 0 0
ISHARES TR IBOXX INV CP ETF 464287242   1,153,063 10,764 SH   SOLE   10,764 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   883,996 6,065 SH   SOLE   6,065 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   397,658 1,758 SH   SOLE   1,758 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   265,930 3,467 SH   SOLE   3,467 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   348,943 6,287 SH   SOLE   6,287 0 0
SPDR GOLD TR GOLD SHS 78463V107   2,081,942 9,683 SH   SOLE   9,683 0 0
META PLATFORMS INC CL A 30303M102   750,073 1,488 SH   SOLE   1,488 0 0
RTX CORPORATION COM 75513E101   558,877 5,567 SH   SOLE   5,567 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   558,081 29,036 SH   SOLE   29,036 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   480,209 24,071 SH   SOLE   24,071 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,144,943 27,383 SH   SOLE   27,383 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   292,376 7,040 SH   SOLE   7,040 0 0
HOME DEPOT INC COM 437076102   917,187 2,664 SH   SOLE   2,664 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   332,824 7,606 SH   SOLE   7,606 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   522,512 1,397 SH   SOLE   1,397 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,788,480 15,080 SH   SOLE   15,080 0 0
VISA INC COM CL A 92826C839   1,187,051 4,523 SH   SOLE   4,523 0 0
AMAZON COM INC COM 023135106   1,585,616 8,205 SH   SOLE   8,205 0 0
CHEVRON CORP NEW COM 166764100   423,660 2,708 SH   SOLE   2,708 0 0
HONEYWELL INTL INC COM 438516106   226,575 1,061 SH   SOLE   1,061 0 0
PROLOGIS INC. COM 74340W103   416,739 3,711 SH   SOLE   3,711 0 0
STRYKER CORPORATION COM 863667101   582,658 1,712 SH   SOLE   1,712 0 0
WALMART INC COM 931142103   1,070,327 15,808 SH   SOLE   15,808 0 0
AMGEN INC COM 031162100   235,853 755 SH   SOLE   755 0 0
JPMORGAN CHASE & CO. COM 46625H100   600,666 2,970 SH   SOLE   2,970 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   397,879 24,945 SH   SOLE   24,945 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHS 2032 46139W858   273,475 13,660 SH   SOLE   13,660 0 0
KENVUE INC COM 49177J102   246,284 13,547 SH   SOLE   13,547 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   500,265 14,261 SH   SOLE   14,261 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,261,971 5,213 SH   SOLE   5,213 0 0
APPLE INC COM 037833100   2,016,114 9,572 SH   SOLE   9,572 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,488,888 3,660 SH   SOLE   3,660 0 0
NVIDIA CORPORATION COM 67066G104   1,701,289 13,771 SH   SOLE   13,771 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   280,975 5,820 SH   SOLE   5,820 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   631,820 8,176 SH   SOLE   8,176 0 0
ISHARES TR CORE S&P TTL STK 464287150   1,345,974 11,332 SH   SOLE   11,332 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   313,018 3,104 SH   SOLE   3,104 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   629,901 9,842 SH   SOLE   9,842 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   152,192 13,177 SH   SOLE   13,177 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   424,645 8,020 SH   SOLE   8,020 0 0
ALPHABET INC CAP STK CL A 02079K305   594,004 3,261 SH   SOLE   3,261 0 0
SCHWAB CHARLES CORP COM 808513105   369,063 5,008 SH   SOLE   5,008 0 0
ISHARES TR 20 YR TR BD ETF 464287432   368,956 4,020 SH   SOLE   4,020 0 0
ISHARES TR US AER DEF ETF 464288760   321,045 2,431 SH   SOLE   2,431 0 0
ALPHABET INC CAP STK CL C 02079K107   228,183 1,244 SH   SOLE   1,244 0 0
EXXON MOBIL CORP COM 30231G102   492,803 4,281 SH   SOLE   4,281 0 0
BLACKSTONE INC COM 09260D107   588,592 4,754 SH   SOLE   4,754 0 0
COCA COLA CO COM 191216100   216,511 3,402 SH   SOLE   3,402 0 0
ORACLE CORP COM 68389X105   289,767 2,052 SH   SOLE   2,052 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   344,518 8,380 SH   SOLE   8,380 0 0
GLOBAL X FDS CYBRSCURTY ETF 37954Y384   204,456 6,912 SH   SOLE   6,912 0 0
ISHARES BITCOIN TR SHS 46438F101   227,031 6,650 SH   SOLE   6,650 0 0
ISHARES TR US TREAS BD ETF 46429B267   1,471,859 65,213 SH   SOLE   65,213 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   548,448 16,844 SH   SOLE   16,844 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   400,987 5,004 SH   SOLE   5,004 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   255,089 5,300 SH   SOLE   5,300 0 0
LOCKHEED MARTIN CORP COM 539830109   285,174 611 SH   SOLE   611 0 0
SOFI TECHNOLOGIES INC COM 83406F102   157,979 23,900 SH   SOLE   23,900 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   292,754 5,924 SH   SOLE   5,924 0 0
ISHARES TR PFD AND INCM SEC 464288687   419,440 13,294 SH   SOLE   13,294 0 0
ISHARES TR TIPS BD ETF 464287176   399,528 3,742 SH   SOLE   3,742 0 0
ELI LILLY & CO COM 532457108   269,387 298 SH   SOLE   298 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   448,540 4,921 SH   SOLE   4,921 0 0
ISHARES TR CORE TOTAL USD 46434V613   608,480 13,456 SH   SOLE   13,456 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   226,075 2,443 SH   SOLE   2,443 0 0
CATERPILLAR INC COM 149123101   218,961 657 SH   SOLE   657 0 0
TJX COS INC NEW COM 872540109   261,032 2,371 SH   SOLE   2,371 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,164,236 1,370 SH   SOLE   1,370 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   652,632 7,111 SH   SOLE   7,111 0 0
UNITED PARCEL SERVICE INC CL B 911312106   253,089 1,849 SH   SOLE   1,849 0 0
WASTE MGMT INC DEL COM 94106L109   307,025 1,439 SH   SOLE   1,439 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   416,953 3,531 SH   SOLE   3,531 0 0
BROADCOM INC COM 11135F101   715,476 446 SH   SOLE   446 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460   412,000 25,338 SH   SOLE   25,338 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   271,952 2,601 SH   SOLE   2,601 0 0
ISHARES SILVER TR ISHARES 46428Q109   252,415 9,500 SH   SOLE   9,500 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429   191,730 11,083 SH   SOLE   11,083 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   474,326 9,732 SH   SOLE   9,732 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   221,079 489 SH   SOLE   489 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   247,215 2,886 SH   SOLE   2,886 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   476,004 16,988 SH   SOLE   16,988 0 0
KROGER CO COM 501044101   227,349 4,553 SH   SOLE   4,553 0 0