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
Estimated average burden
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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 851,297 4,439 SH   SOLE   0 0 4,439
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 3,222,280 16,685 SH   SOLE   0 0 16,685
AMAZON COM INC COM 023135106 BBG001S5PQL7 999,663 4,459 SH   SOLE   0 0 4,459
AON PLC SHS CL A G0403H108 BBG00SSQFPR9 586,545 1,657 SH   SOLE   0 0 1,657
APPLE INC COM 037833100 BBG001S5N8V8 19,609,586 80,579 SH   SOLE   0 0 80,579
BOEING CO COM 097023105 BBG001S5P0V3 386,013 2,272 SH   SOLE   0 0 2,272
CATERPILLAR INC COM 149123101 BBG001S5PJ06 368,883 1,014 SH   SOLE   0 0 1,014
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 333,254 2,254 SH   SOLE   0 0 2,254
DISNEY WALT CO COM 254687106 BBG001S5QHF3 362,048 3,257 SH   SOLE   0 0 3,257
EDISON INTL COM 281020107 BBG001S7MY75 775,821 9,722 SH   SOLE   0 0 9,722
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 296,076 2,745 SH   SOLE   0 0 2,745
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 BBG005FHWBL1 205,064 1,089 SH   SOLE   0 0 1,089
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 47,117,062 1,050,079 SH   SOLE   0 0 1,050,079
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 215,525 968 SH   SOLE   0 0 968
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 BBG00KJR2V68 1,179,830 31,040 SH   SOLE   0 0 31,040
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 4,110,107 78,139 SH   SOLE   0 0 78,139
ISHARES TR 0-3 MNTH TREASRY 46436E718 BBG00TZR7YF0 246,208 2,453 SH   SOLE   0 0 2,453
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 283,157 6,184 SH   SOLE   0 0 6,184
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 7,293,317 195,952 SH   SOLE   0 0 195,952
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 253,660 2,380 SH   SOLE   0 0 2,380
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 266,189 2,416 SH   SOLE   0 0 2,416
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 21,750,624 431,560 SH   SOLE   0 0 431,560
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,416,667 9,825 SH   SOLE   0 0 9,825
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 314,074 1,291 SH   SOLE   0 0 1,291
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,407,057 2,327 SH   SOLE   0 0 2,327
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,718,463 4,059 SH   SOLE   0 0 4,059
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,022,125 7,075 SH   SOLE   0 0 7,075
PEARSON PLC SPONSORED ADR 705015105 BBG001S5VFT6 218,869 13,705 SH   SOLE   0 0 13,705
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 89,377,595 1,802,695 SH   SOLE   0 0 1,802,695
REALTY INCOME CORP COM 756109104 BBG001S884K0 561,784 10,544 SH   SOLE   0 0 10,544
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 45,111,015 1,860,248 SH   SOLE   0 0 1,860,248
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 543,226 2,231 SH   SOLE   0 0 2,231
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 355,170 600 SH   SOLE   0 0 600
SPDR SER TR PORTFOLIO SH TSR 78468R101 BBG0029J2KF1 41,850,345 1,445,109 SH   SOLE   0 0 1,445,109
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 71,542,288 171,770 SH   SOLE   0 0 171,770
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 229,224 1,412 SH   SOLE   0 0 1,412
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 17,099,280 64,025 SH   SOLE   0 0 64,025
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 97,144,320 178,443 SH   SOLE   0 0 178,443
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 17,240,684 70,807 SH   SOLE   0 0 70,807
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 490,582 1,674 SH   SOLE   0 0 1,674
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 43,049,220 252,696 SH   SOLE   0 0 252,696
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 BBG001TCHM11 939,847 3,491 SH   SOLE   0 0 3,491
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 27,197,573 138,643 SH   SOLE   0 0 138,643
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 926,854 7,380 SH   SOLE   0 0 7,380