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 434,750 3,632 SH   SOLE   265 0 3,367
AMAZON COM INC COM 023135106 BBG001S5PQL7 790,894 6,067 SH   SOLE   212 0 5,855
APPLE INC COM 037833100 BBG001S5N8V8 1,798,103 9,270 SH   SOLE   517 0 8,753
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 399,222 103,673 SH   SOLE   93,606 0 10,067
EATON CORP PLC SHS G29183103 BBG001S5QZ45 530,478 2,638 SH   SOLE   107 0 2,531
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 247,774 3,215 SH   SOLE   95 0 3,120
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 222,155 2,220 SH   SOLE   0 0 2,220
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 871,320 2,701 SH   SOLE   87 0 2,614
HOME DEPOT INC COM 437076102 BBG001S5RTW7 666,624 2,146 SH   SOLE   69 0 2,077
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 700,878 1,897 SH   SOLE   608 0 1,289
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 341,826 6,935 SH   SOLE   0 0 6,935
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 366,324 8,838 SH   SOLE   0 0 8,838
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 5,193,007 107,716 SH   SOLE   11,063 0 96,653
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 28,937,880 64,925 SH   SOLE   7,371 0 57,554
ISHARES TR IBDS DEC28 ETF 46435U515 BBG00M0P3SC7 350,148 14,292 SH   SOLE   1,533 0 12,759
ISHARES TR IBONDS DEC2026 46435GAA0 BBG00DST7FD2 393,816 16,780 SH   SOLE   1,652 0 15,128
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 7,400,453 68,434 SH   SOLE   8,211 0 60,223
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 543,017 10,824 SH   SOLE   191 0 10,633
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 895,267 6,638 SH   SOLE   0 0 6,638
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 29,481,915 107,137 SH   SOLE   9,188 0 97,949
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 3,439,738 35,597 SH   SOLE   203 0 35,394
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 17,408,630 247,001 SH   SOLE   14,370 0 232,631
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 16,661,727 103,367 SH   SOLE   11,694 0 91,673
ISHARES TR USD INV GRDE ETF 464288620 BBG001SSD876 12,365,456 246,865 SH   SOLE   24,291 0 222,574
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 13,562,653 270,496 SH   SOLE   24,204 0 246,292
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 287,926 732 SH   SOLE   28 0 704
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 310,942 3,529 SH   SOLE   159 0 3,370
MICROSOFT CORP COM 594918104 BBG001S5TD05 918,572 2,697 SH   SOLE   94 0 2,603
SALESFORCE INC COM 79466L302 BBG001SDLP09 452,730 2,143 SH   SOLE   115 0 2,028
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 15,961,224 36,007 SH   SOLE   1,387 0 34,620
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 14,076,190 153,302 SH   SOLE   13,236 0 140,066
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,133,255 4,005 SH   SOLE   47 0 3,958
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 5,100,367 12,523 SH   SOLE   73 0 12,450
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 580,850 3,576 SH   SOLE   0 0 3,576
VERISK ANALYTICS INC COM 92345Y106 BBG001SBRX64 418,444 1,851 SH   SOLE   79 0 1,772
VISA INC COM CL A 92826C839 BBG001SRCFY3 685,216 2,885 SH   SOLE   103 0 2,782