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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 369,694 3,564 SH   SOLE   77 0 3,487
AMAZON COM INC COM 023135106 BBG001S5PQL7 880,960 8,529 SH   SOLE   290 0 8,239
APPLE INC COM 037833100 BBG001S5N8V8 1,554,784 9,429 SH   SOLE   622 0 8,807
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 396,129 103,599 SH   SOLE   93,531 0 10,068
EATON CORP PLC SHS G29183103 BBG001S5QZ45 460,320 2,687 SH   SOLE   95 0 2,592
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 273,256 3,293 SH   SOLE   83 0 3,210
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 880,274 2,691 SH   SOLE   77 0 2,614
HOME DEPOT INC COM 437076102 BBG001S5RTW7 641,800 2,175 SH   SOLE   61 0 2,114
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 546,942 1,704 SH   SOLE   558 0 1,146
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 359,826 7,375 SH   SOLE   0 0 7,375
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 376,532 9,034 SH   SOLE   0 0 9,034
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 4,832,905 99,689 SH   SOLE   9,492 0 90,197
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 201,629 806 SH   SOLE   0 0 806
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 19,684,197 47,884 SH   SOLE   5,943 0 41,941
ISHARES TR IBDS DEC28 ETF 46435U515 BBG00M0P3SC7 1,012,408 40,594 SH   SOLE   1,533 0 39,061
ISHARES TR IBONDS DEC2026 46435GAA0 BBG00DST7FD2 1,085,423 45,741 SH   SOLE   3,652 0 42,089
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 4,916,666 44,856 SH   SOLE   4,545 0 40,311
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 810,083 16,029 SH   SOLE   191 0 15,838
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 653,450 5,267 SH   SOLE   0 0 5,267
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 26,089,518 106,780 SH   SOLE   8,772 0 98,008
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 4,356,196 47,844 SH   SOLE   303 0 47,541
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 17,419,736 272,652 SH   SOLE   14,757 0 257,895
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 11,457,880 75,500 SH   SOLE   10,724 0 64,776
ISHARES TR USD INV GRDE ETF 464288620 BBG001SSD876 10,146,021 200,277 SH   SOLE   18,171 0 182,106
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 11,775,568 234,014 SH   SOLE   18,183 0 215,831
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 265,308 730 SH   SOLE   25 0 705
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 288,830 3,583 SH   SOLE   141 0 3,442
MICROSOFT CORP COM 594918104 BBG001S5TD05 861,817 2,989 SH   SOLE   87 0 2,902
SALESFORCE INC COM 79466L302 BBG001SDLP09 455,498 2,280 SH   SOLE   110 0 2,170
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 21,564,656 52,675 SH   SOLE   2,718 0 49,957
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 14,367,351 156,473 SH   SOLE   8,620 0 147,853
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,049,145 4,206 SH   SOLE   128 0 4,078
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 6,760,234 17,976 SH   SOLE   35 0 17,941
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 567,681 3,686 SH   SOLE   0 0 3,686
VERISK ANALYTICS INC COM 92345Y106 BBG001SBRX64 354,215 1,846 SH   SOLE   70 0 1,776
VISA INC COM CL A 92826C839 BBG001SRCFY3 654,567 2,903 SH   SOLE   92 0 2,811