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
ADOBE SYSTEMS INCORPORATED COM 00724F101   1,323,236 3,932 SH   SOLE   3,932 0 0
ALPHABET INC CAP STK CL C 02079K107   520,845 5,870 SH   SOLE   5,870 0 0
AMAZON COM INC COM 023135106   1,512,420 18,005 SH   SOLE   18,005 0 0
ELEVANCE HEALTH INC COM 036752103   265,205 517 SH   SOLE   517 0 0
APPLE INC COM 037833100   2,450,610 18,861 SH   SOLE   18,861 0 0
BLACKROCK INC COM 09247X101   2,767,200 3,905 SH   SOLE   3,905 0 0
BROADCOM INC COM 11135F101   2,697,243 4,824 SH   SOLE   4,824 0 0
COCA COLA CO COM 191216100   1,123,353 17,660 SH   SOLE   17,660 0 0
DNP SELECT INCOME FD INC COM 23325P104   991,249 88,111 SH   SOLE   88,111 0 0
D R HORTON INC COM 23331A109   304,948 3,421 SH   SOLE   3,421 0 0
DELL TECHNOLOGIES INC CL C 24703L202   213,911 5,319 SH   SOLE   5,319 0 0
DOLLAR GEN CORP NEW COM 256677105   220,886 897 SH   SOLE   897 0 0
DOW INC COM 260557103   1,583,959 31,434 SH   SOLE   31,434 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   497,030 4,826 SH   SOLE   4,826 0 0
DUPONT DE NEMOURS INC COM 26614N102   1,420,504 20,698 SH   SOLE   20,698 0 0
EXXON MOBIL CORP COM 30231G102   1,062,299 9,631 SH   SOLE   9,631 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673   864,660 32,641 SH   SOLE   32,641 0 0
HOME DEPOT INC COM 437076102   833,555 2,639 SH   SOLE   2,639 0 0
INVESCO MUNI INCOME OPP TRST COM 46132X101   175,968 28,200 SH   SOLE   28,200 0 0
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134   985,771 25,718 SH   SOLE   25,718 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   1,304,820 29,655 SH   SOLE   29,655 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   2,075,487 32,480 SH   SOLE   32,480 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   260,762 23,324 SH   SOLE   23,324 0 0
ISHARES TR SELECT DIVID ETF 464287168   3,016,710 25,014 SH   SOLE   25,014 0 0
ISHARES TR US TRSPRTION 464287192   230,634 1,080 SH   SOLE   1,080 0 0
ISHARES TR CORE US AGGBD ET 464287226   8,456,871 87,193 SH   SOLE   87,193 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,964,395 51,831 SH   SOLE   51,831 0 0
ISHARES TR IBOXX INV CP ETF 464287242   2,882,140 27,337 SH   SOLE   27,337 0 0
ISHARES TR MSCI EAFE ETF 464287465   3,598,582 54,823 SH   SOLE   54,823 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   824,812 7,830 SH   SOLE   7,830 0 0
ISHARES TR ISHARES BIOTECH 464287556   2,061,647 15,703 SH   SOLE   15,703 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   591,435 3,900 SH   SOLE   3,900 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   2,105,122 9,826 SH   SOLE   9,826 0 0
ISHARES TR EUROPE ETF 464287861   2,565,588 56,648 SH   SOLE   56,648 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,567,447 14,504 SH   SOLE   14,504 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   2,004,453 100,980 SH   SOLE   100,980 0 0
ISHARES TR NATIONAL MUN ETF 464288414   480,116 4,550 SH   SOLE   4,550 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,020,160 33,415 SH   SOLE   33,415 0 0
ISHARES TR US AER DEF ETF 464288760   223,720 2,000 SH   SOLE   2,000 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   426,973 8,666 SH   SOLE   8,666 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   6,038,036 130,018 SH   SOLE   130,018 0 0
JPMORGAN CHASE & CO COM 46625H100   742,512 5,537 SH   SOLE   5,537 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,758,123 5,056 SH   SOLE   5,056 0 0
MCKESSON CORP COM 58155Q103   1,018,826 2,716 SH   SOLE   2,716 0 0
MICROSOFT CORP COM 594918104   394,504 1,645 SH   SOLE   1,645 0 0
NETFLIX INC COM 64110L106   1,011,438 3,430 SH   SOLE   3,430 0 0
NEXTERA ENERGY INC COM 65339F101   1,871,637 22,388 SH   SOLE   22,388 0 0
NVIDIA CORPORATION COM 67066G104   989,222 6,769 SH   SOLE   6,769 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100   1,363,563 4,805 SH   SOLE   4,805 0 0
PAYPAL HLDGS INC COM 70450Y103   700,164 9,831 SH   SOLE   9,831 0 0
PFIZER INC COM 717081103   513,322 10,018 SH   SOLE   10,018 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   6,571,471 66,614 SH   SOLE   66,614 0 0
PROCTER AND GAMBLE CO COM 742718109   388,600 2,564 SH   SOLE   2,564 0 0
PROGRESSIVE CORP COM 743315103   965,691 7,445 SH   SOLE   7,445 0 0
PUTNAM MANAGED MUN INCOME TR COM 746823103   499,298 79,506 SH   SOLE   79,506 0 0
REPUBLIC SVCS INC COM 760759100   2,212,565 17,153 SH   SOLE   17,153 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,609,369 4,208 SH   SOLE   4,208 0 0
SPDR SER TR S&P REGL BKG 78464A698   2,114,816 36,003 SH   SOLE   36,003 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   774,431 1,749 SH   SOLE   1,749 0 0
SPDR SER TR BLOOMBERG INVT 78468R200   5,926,506 195,015 SH   SOLE   195,015 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,054,840 31,319 SH   SOLE   31,319 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,232,506 55,110 SH   SOLE   55,110 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   4,172,501 53,714 SH   SOLE   53,714 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,362,695 24,753 SH   SOLE   24,753 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   3,799,739 50,969 SH   SOLE   50,969 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,605,459 12,430 SH   SOLE   12,430 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   297,398 3,400 SH   SOLE   3,400 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,088,861 31,838 SH   SOLE   31,838 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   4,117,541 41,926 SH   SOLE   41,926 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,574,776 36,763 SH   SOLE   36,763 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,121,448 44,206 SH   SOLE   44,206 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   4,262,230 60,457 SH   SOLE   60,457 0 0
SOUTHERN CO COM 842587107   291,853 4,087 SH   SOLE   4,087 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   845,860 1,536 SH   SOLE   1,536 0 0
3M CO COM 88579Y101   665,196 5,547 SH   SOLE   5,547 0 0
TOLL BROTHERS INC COM 889478103   758,684 15,198 SH   SOLE   15,198 0 0
US BANCORP DEL COM NEW 902973304   305,793 7,012 SH   SOLE   7,012 0 0
UNITEDHEALTH GROUP INC COM 91324P102   863,133 1,628 SH   SOLE   1,628 0 0
VALERO ENERGY CORP COM 91913Y100   792,621 6,248 SH   SOLE   6,248 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,964,586 37,985 SH   SOLE   37,985 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,688,486 65,263 SH   SOLE   65,263 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   775,637 16,353 SH   SOLE   16,353 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,232,634 44,528 SH   SOLE   44,528 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,635,679 41,962 SH   SOLE   41,962 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   8,567,901 113,950 SH   SOLE   113,950 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,716,405 88,712 SH   SOLE   88,712 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   319,166 1,566 SH   SOLE   1,566 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,065,649 26,495 SH   SOLE   26,495 0 0
VMWARE INC CL A COM 928563402   222,441 1,812 SH   SOLE   1,812 0 0
WALMART INC COM 931142103   2,135,641 15,062 SH   SOLE   15,062 0 0
WESTERN ASSET MANAGED MUNS F COM 95766M105   287,932 28,593 SH   SOLE   28,593 0 0
WILLDAN GROUP INC COM 96924N100   251,631 14,097 SH   SOLE   14,097 0 0
YUM BRANDS INC COM 988498101   303,806 2,372 SH   SOLE   2,372 0 0