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
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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
AB ACTIVE ETFS INC HIGH YIELD ETF 00039J608   8,487,616 243,897 SH   SOLE 0 0 0 243,897
APPLE INC COM 037833100   735,689 4,297 SH   SOLE 0 0 0 4,297
AUTOMATIC DATA PROCESSING IN COM 053015103   606,983 2,523 SH   SOLE 0 0 0 2,523
FIRST TR EXCH TRD ALPHDX FD DEV MRK EX US 33737J174   2,042,507 40,655 SH   SOLE 0 0 0 40,655
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   4,788,595 105,406 SH   SOLE 0 0 0 105,406
GLOBAL X FDS US INFR DEV ETF 37954Y673   4,577,233 150,666 SH   SOLE 0 0 0 150,666
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   3,668,029 182,398 SH   SOLE 0 0 0 182,398
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   3,474,433 184,955 SH   SOLE 0 0 0 184,955
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   301,339 14,194 SH   SOLE 0 0 0 14,194
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   307,632 14,883 SH   SOLE 0 0 0 14,883
ISHARES INC CORE MSCI EMKT 46434G103   586,024 12,314 SH   SOLE 0 0 0 12,314
ISHARES TR CORE MSCI EAFE 46432F842   235,783 3,664 SH   SOLE 0 0 0 3,664
ISHARES TR 0-5YR HI YL CP 46434V407   200,391 4,884 SH   SOLE 0 0 0 4,884
ISHARES TR 0-5YR INVT GR CP 46434V100   493,838 10,289 SH   SOLE 0 0 0 10,289
ISHARES TR MODERT ALLOC ETF 464289875   227,351 5,840 SH   SOLE 0 0 0 5,840
ISHARES TR AGGRES ALLOC ETF 464289859   218,469 3,441 SH   SOLE 0 0 0 3,441
ISHARES TR RUS MID CAP ETF 464287499   453,311 6,546 SH   SOLE 0 0 0 6,546
ISHARES TR 3 7 YR TREAS BD 464288661   3,254,029 28,756 SH   SOLE 0 0 0 28,756
ISHARES TR ISHS 5-10YR INVT 464288638   25,342,150 520,908 SH   SOLE 0 0 0 520,908
ISHARES TR CRE U S REIT ETF 464288521   9,314,692 197,429 SH   SOLE 0 0 0 197,429
ISHARES TR CORE S&P500 ETF 464287200   673,346 1,568 SH   SOLE 0 0 0 1,568
ISHARES TR RUS 1000 VAL ETF 464287598   3,187,005 20,992 SH   SOLE 0 0 0 20,992
ISHARES TR RUS 1000 GRW ETF 464287614   5,638,290 21,197 SH   SOLE 0 0 0 21,197
ISHARES TR 1 3 YR TREAS BD 464287457   373,353 4,611 SH   SOLE 0 0 0 4,611
ISHARES TR 7-10 YR TRSY BD 464287440   15,401,225 168,154 SH   SOLE 0 0 0 168,154
ISHARES TR BLACKROCK ULTRA 46434V878   299,912 5,953 SH   SOLE 0 0 0 5,953
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   540,991 10,781 SH   SOLE 0 0 0 10,781
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   16,839,116 379,259 SH   SOLE 0 0 0 379,259
MICROSOFT CORP COM 594918104   654,234 2,072 SH   SOLE 0 0 0 2,072
NIKE INC CL B 654106103   367,659 3,845 SH   SOLE 0 0 0 3,845
NU HLDGS LTD ORD SHS CL A G6683N103   960,263 132,450 SH   SOLE 0 0 0 132,450
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   6,362,170 189,520 SH   SOLE 0 0 0 189,520
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,595,832 180,453 SH   SOLE 0 0 0 180,453
SPDR S&P 500 ETF TR TR UNIT 78462F103   420,213 983 SH   SOLE 0 0 0 983
SPDR SER TR PRTFLO S&P500 GW 78464A409   11,331,757 191,157 SH   SOLE 0 0 0 191,157
SPDR SER TR PRTFLO S&P500 VL 78464A508   13,312,781 322,656 SH   SOLE 0 0 0 322,656
SPDR SER TR PORTFOLIO S&P500 78464A854   280,200 5,575 SH   SOLE 0 0 0 5,575
SPDR SER TR PORTFOLIO S&P400 78464A847   5,846,967 133,523 SH   SOLE 0 0 0 133,523
SPDR SER TR PORTFOLIO S&P600 78468R853   3,161,273 85,671 SH   SOLE 0 0 0 85,671
SPDR SER TR PORTFOLIO SHORT 78464A474   667,503 22,766 SH   SOLE 0 0 0 22,766
SPDR SER TR PORTFOLIO SH TSR 78468R101   2,598,410 90,474 SH   SOLE 0 0 0 90,474
VANGUARD INDEX FDS VALUE ETF 922908744   6,574,529 47,666 SH   SOLE 0 0 0 47,666
VANGUARD INDEX FDS MID CAP ETF 922908629   1,888,409 9,068 SH   SOLE 0 0 0 9,068
VANGUARD INDEX FDS SMALL CP ETF 922908751   463,032 2,449 SH   SOLE 0 0 0 2,449
VANGUARD INDEX FDS GROWTH ETF 922908736   5,558,119 20,411 SH   SOLE 0 0 0 20,411
VANGUARD INDEX FDS SML CP GRW ETF 922908595   232,099 1,084 SH   SOLE 0 0 0 1,084
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   839,222 4,309 SH   SOLE 0 0 0 4,309
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   343,030 2,619 SH   SOLE 0 0 0 2,619
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,137,623 80,021 SH   SOLE 0 0 0 80,021
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   972,101 20,210 SH   SOLE 0 0 0 20,210
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   5,680,248 74,760 SH   SOLE 0 0 0 74,760
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,073,708 18,641 SH   SOLE 0 0 0 18,641
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,418,197 55,311 SH   SOLE 0 0 0 55,311
VANGUARD WORLD FD ESG US STK ETF 921910733   438,382 5,828 SH   SOLE 0 0 0 5,828