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
ABBVIE INC COM 00287Y109   229,099 1,289 SH   SOLE   1,289 0 0
ALPHABET INC CAP STK CL A 02079K305   837,842 4,426 SH   SOLE   4,426 0 0
ALPHABET INC CAP STK CL C 02079K107   400,207 2,101 SH   SOLE   2,101 0 0
AMAZON COM INC COM 023135106   2,307,092 10,516 SH   SOLE   10,516 0 0
APPLE INC COM 037833100   19,903,582 79,481 SH   SOLE   79,481 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   382,891 1,308 SH   SOLE   1,308 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,907,856 4,209 SH   SOLE   4,209 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   7,222,458 140,926 SH   SOLE   140,926 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   664,608 12,776 SH   SOLE   12,776 0 0
BROADCOM INC COM 11135F101   645,674 2,785 SH   SOLE   2,785 0 0
CATERPILLAR INC COM 149123101   545,954 1,505 SH   SOLE   1,505 0 0
COCA COLA CO COM 191216100   223,314 3,587 SH   SOLE   3,587 0 0
COSTCO WHSL CORP NEW COM 22160K105   481,042 525 SH   SOLE   525 0 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   480,994 7,545 SH   SOLE   7,545 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   354,613 8,666 SH   SOLE   8,666 0 0
DT MIDSTREAM INC COMMON STOCK 23345M107   404,264 4,066 SH   SOLE   4,066 0 0
DTE ENERGY CO COM 233331107   918,099 7,603 SH   SOLE   7,603 0 0
EXXON MOBIL CORP COM 30231G102   629,599 5,853 SH   SOLE   5,853 0 0
GE AEROSPACE COM NEW 369604301   759,646 4,555 SH   SOLE   4,555 0 0
GE VERNOVA INC COM 36828A101   373,664 1,136 SH   SOLE   1,136 0 0
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109   225,317 3,044 SH   SOLE   3,044 0 0
HOME DEPOT INC COM 437076102   358,260 921 SH   SOLE   921 0 0
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   293,866 3,093 SH   SOLE   3,093 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   301,301 14,300 SH   SOLE   14,300 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   7,802,337 15,262 SH   SOLE   15,262 0 0
ISHARES INC CORE MSCI EMKT 46434G103   1,275,406 24,424 SH   SOLE   24,424 0 0
ISHARES INC MSCI EMRG CHN 46434G764   2,796,344 50,430 SH   SOLE   50,430 0 0
ISHARES TR MICRO-CAP ETF 464288869   1,311,623 10,060 SH   SOLE   10,060 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   19,415,843 191,233 SH   SOLE   191,233 0 0
ISHARES TR S&P 500 VAL ETF 464287408   13,633,307 71,423 SH   SOLE   71,423 0 0
ISHARES TR S&P MC 400GR ETF 464287606   4,439,803 48,827 SH   SOLE   48,827 0 0
ISHARES TR S&P MC 400VL ETF 464287705   3,359,546 26,885 SH   SOLE   26,885 0 0
ISHARES TR S&P SML 600 GWT 464287887   4,219,416 31,170 SH   SOLE   31,170 0 0
ISHARES TR SP SMCP600VL ETF 464287879   2,595,193 23,895 SH   SOLE   23,895 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   594,294 2,690 SH   SOLE   2,690 0 0
ISHARES TR 20 YR TR BD ETF 464287432   856,553 9,808 SH   SOLE   9,808 0 0
ISHARES TR CORE TOTAL USD 46434V613   5,273,123 116,662 SH   SOLE   116,662 0 0
ISHARES TR MBS ETF 464288588   1,364,069 14,879 SH   SOLE   14,879 0 0
ISHARES TR EAFE GRWTH ETF 464288885   5,687,355 58,735 SH   SOLE   58,735 0 0
ISHARES TR EAFE VALUE ETF 464288877   5,652,117 107,721 SH   SOLE   107,721 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   7,444,406 41,804 SH   SOLE   41,804 0 0
ISHARES TR U.S. TECH ETF 464287721   2,868,036 17,979 SH   SOLE   17,979 0 0
ISHARES TR US INFRASTRUC 46435U713   745,806 16,112 SH   SOLE   16,112 0 0
ISHARES TR CORE S&P500 ETF 464287200   3,264,613 5,546 SH   SOLE   5,546 0 0
ISHARES TR CORE S&P SCP ETF 464287804   468,467 4,066 SH   SOLE   4,066 0 0
ISHARES TR ULTRA SHORT-TERM 46434V878   238,483 4,729 SH   SOLE   4,729 0 0
ISHARES TR CORE DIV GRWTH 46434V621   210,519 3,432 SH   SOLE   3,432 0 0
ISHARES TR CORE MSCI EAFE 46432F842   340,717 4,848 SH   SOLE   4,848 0 0
ISHARES TR CORE US AGGBD ET 464287226   274,033 2,828 SH   SOLE   2,828 0 0
ISHARES TR MSCI EAFE ETF 464287465   583,698 7,720 SH   SOLE   7,720 0 0
ISHARES TR RUS MID CAP ETF 464287499   429,424 4,858 SH   SOLE   4,858 0 0
ISHARES TR CORE S&P US GWT 464287671   446,977 3,208 SH   SOLE   3,208 0 0
ISHARES TR SELECT DIVID ETF 464287168   746,850 5,689 SH   SOLE   5,689 0 0
JPMORGAN CHASE & CO. COM 46625H100   531,437 2,217 SH   SOLE   2,217 0 0
LOCKHEED MARTIN CORP COM 539830109   235,195 484 SH   SOLE   484 0 0
MASTERCARD INCORPORATED CL A 57636Q104   405,985 771 SH   SOLE   771 0 0
META PLATFORMS INC CL A 30303M102   4,346,481 7,423 SH   SOLE   7,423 0 0
MICROSOFT CORP COM 594918104   1,830,248 4,342 SH   SOLE   4,342 0 0
NETFLIX INC COM 64110L106   319,984 359 SH   SOLE   359 0 0
NVIDIA CORPORATION COM 67066G104   1,513,652 11,272 SH   SOLE   11,272 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   394,032 5,210 SH   SOLE   5,210 0 0
PROCTER AND GAMBLE CO COM 742718109   347,203 2,071 SH   SOLE   2,071 0 0
SALESFORCE INC COM 79466L302   346,700 1,037 SH   SOLE   1,037 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,072,561 91,302 SH   SOLE   91,302 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   222,057 955 SH   SOLE   955 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,692,445 22,360 SH   SOLE   22,360 0 0
SPDR GOLD TR GOLD SHS 78463V107   375,180 1,550 SH   SOLE   1,550 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   259,677 7,608 SH   SOLE   7,608 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,702,198 8,023 SH   SOLE   8,023 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   19,453,766 282,184 SH   SOLE   282,184 0 0
SPDR SER TR S&P DIVID ETF 78464A763   432,128 3,271 SH   SOLE   3,271 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   203,405 2,225 SH   SOLE   2,225 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   332,876 7,297 SH   SOLE   7,297 0 0
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408   287,363 5,377 SH   SOLE   5,377 0 0
STRYKER CORPORATION COM 863667101   246,994 686 SH   SOLE   686 0 0
TESLA INC COM 88160R101   862,602 2,136 SH   SOLE   2,136 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   688,299 2,375 SH   SOLE   2,375 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   289,921 3,255 SH   SOLE   3,255 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   335,140 622 SH   SOLE   622 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   400,906 1,518 SH   SOLE   1,518 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   226,951 945 SH   SOLE   945 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   294,321 6,155 SH   SOLE   6,155 0 0
VISA INC COM CL A 92826C839   276,851 876 SH   SOLE   876 0 0
WALMART INC COM 931142103   701,339 7,762 SH   SOLE   7,762 0 0
ZACKS TRUST EARNGS CONSTANT 98888G105   960,273 31,531 SH   SOLE   31,531 0 0
ZACKS TRUST SMALL/MID CAP 98888G204   365,470 11,015 SH   SOLE   11,015 0 0