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
ABBOTT LABS COM 002824100   989,321 8,747 SH   SOLE   0 0 8,747
ADVANCED MICRO DEVICES INC COM 007903107   621,344 5,144 SH   SOLE   0 0 5,144
ALPHABET INC CAP STK CL A 02079K305   1,556,425 8,222 SH   SOLE   0 0 8,222
AMAZON COM INC COM 023135106   2,432,844 11,089 SH   SOLE   0 0 11,089
AMERICAN TOWER CORP NEW COM 03027X100   748,219 4,055 SH   SOLE   0 0 4,055
APPLE INC COM 037833100   8,716,207 34,806 SH   SOLE   0 0 34,806
BLACKROCK INC COM 09290D101   2,194,580 2,141 SH   SOLE   0 0 2,141
BLACKSTONE INC COM 09260D107   716,233 4,154 SH   SOLE   0 0 4,154
SCHWAB CHARLES CORP COM 808513105   201,899 2,728 SH   SOLE   0 0 2,728
CISCO SYS INC COM 17275R102   1,041,150 17,587 SH   SOLE   0 0 17,587
COMCAST CORP NEW CL A 20030N101   261,697 6,973 SH   SOLE   0 0 6,973
COSTCO WHSL CORP NEW COM 22160K105   1,569,571 1,713 SH   SOLE   0 0 1,713
ELI LILLY & CO COM 532457108   1,310,856 1,698 SH   SOLE   0 0 1,698
FEDEX CORP COM 31428X106   802,809 2,845 SH   SOLE   0 0 2,845
ISHARES TR MSCI ACWI ETF 464288257   1,338,375 11,390 SH   SOLE   0 0 11,390
ISHARES TR EAFE GRWTH ETF 464288885   1,517,395 15,671 SH   SOLE   0 0 15,671
ISHARES TR EAFE VALUE ETF 464288877   4,165,961 79,397 SH   SOLE   0 0 79,397
ISHARES TR MSCI INTL QUALTY 46434V456   2,383,438 64,209 SH   SOLE   0 0 64,209
ISHARES TR MSCI USA QLT FCT 46432F339   5,200,470 29,203 SH   SOLE   0 0 29,203
JPMORGAN CHASE & CO. COM 46625H100   2,614,362 10,906 SH   SOLE   0 0 10,906
MCDONALDS CORP COM 580135101   355,474 1,226 SH   SOLE   0 0 1,226
MEDTRONIC PLC SHS G5960L103   703,166 8,753 SH   SOLE   0 0 8,753
MICROSOFT CORP COM 594918104   4,452,704 10,564 SH   SOLE   0 0 10,564
NETFLIX INC COM 64110L106   789,418 886 SH   SOLE   0 0 886
NVIDIA CORPORATION COM 67066G104   2,423,311 18,045 SH   SOLE   0 0 18,045
PALO ALTO NETWORKS INC COM 697435105   644,866 3,544 SH   SOLE   0 0 3,544
PPL CORP COM 69351T106   1,004,242 30,774 SH   SOLE   0 0 30,774
PROLOGIS INC. COM 74340W103   991,096 9,377 SH   SOLE   0 0 9,377
PUBLIC STORAGE OPER CO COM 74460D109   615,139 2,054 SH   SOLE   0 0 2,054
SALESFORCE INC COM 79466L302   1,276,475 3,815 SH   SOLE   0 0 3,815
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,788,642 72,678 SH   SOLE   0 0 72,678
SPDR SER TR PORTFOLIO S&P400 78464A847   2,566,340 46,925 SH   SOLE   0 0 46,925
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,656,442 30,221 SH   SOLE   0 0 30,221
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,634,554 51,516 SH   SOLE   0 0 51,516
SPDR SER TR PORTFOLIO S&P600 78468R853   4,438,509 98,809 SH   SOLE   0 0 98,809
SPDR SER TR S&P 400 MDCP VAL 78464A839   1,915,737 23,887 SH   SOLE   0 0 23,887
SPDR SER TR S&P DIVID ETF 78464A763   3,419,541 25,886 SH   SOLE   0 0 25,886
HOME DEPOT INC COM 437076102   2,065,148 5,309 SH   SOLE   0 0 5,309
DISNEY WALT CO COM 254687106   790,857 7,082 SH   SOLE   0 0 7,082
UNITED PARCEL SERVICE INC CL B 911312106   478,676 3,796 SH   SOLE   0 0 3,796
UNITEDHEALTH GROUP INC COM 91324P102   1,902,539 3,761 SH   SOLE   0 0 3,761
VISA INC COM CL A 92826C839   1,267,391 4,010 SH   SOLE   0 0 4,010
WALMART INC COM 931142103   1,919,771 21,220 SH   SOLE   0 0 21,220
ABBVIE INC COM 00287Y109   986,953 5,554 SH   SOLE   0 0 5,554
AT&T INC COM 00206R102   337,246 14,811 SH   SOLE   0 0 14,811
ISHARES TR 10+ YR INVST GRD 464289511   4,833,148 97,837 SH   SOLE   0 0 97,837
ISHARES TR GLOBAL TECH ETF 464287291   1,614,756 19,053 SH   SOLE   0 0 19,053
LOCKHEED MARTIN CORP COM 539830109   656,505 1,351 SH   SOLE   0 0 1,351
QUALCOMM INC COM 747525103   1,037,883 6,756 SH   SOLE   0 0 6,756
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   1,347,309 32,286 SH   SOLE   0 0 32,286
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   906,647 21,533 SH   SOLE   0 0 21,533
TARGET CORP COM 87612E106   546,898 4,046 SH   SOLE   0 0 4,046
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   778,371 5,658 SH   SOLE   0 0 5,658
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   743,586 9,264 SH   SOLE   0 0 9,264
ISHARES TR CRE U S REIT ETF 464288521   1,264,688 22,067 SH   SOLE   0 0 22,067
SPDR SER TR PORTFOLIO AGRGTE 78464A649   448,992 17,967 SH   SOLE   0 0 17,967
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,188,182 15,698 SH   SOLE   0 0 15,698
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   316,849 1,618 SH   SOLE   0 0 1,618
JOHNSON & JOHNSON COM 478160104   2,102,242 14,536 SH   SOLE   0 0 14,536
PROCTER AND GAMBLE CO COM 742718109   1,122,724 6,697 SH   SOLE   0 0 6,697
STARBUCKS CORP COM 855244109   352,681 3,865 SH   SOLE   0 0 3,865
CHEVRON CORP NEW COM 166764100   625,536 4,319 SH   SOLE   0 0 4,319
CROWDSTRIKE HLDGS INC CL A 22788C105   304,865 891 SH   SOLE   0 0 891
GE AEROSPACE COM NEW 369604301   365,495 2,189 SH   SOLE   0 0 2,189
PEPSICO INC COM 713448108   927,960 6,103 SH   SOLE   0 0 6,103
ALTRIA GROUP INC COM 02209S103   291,480 5,517 SH   SOLE   0 0 5,517
AMERICAN EXPRESS CO COM 025816109   329,140 1,109 SH   SOLE   0 0 1,109
ISHARES TR CORE HIGH DV ETF 46429B663   364,957 3,251 SH   SOLE   0 0 3,251
ISHARES TR CORE S&P500 ETF 464287200   365,361 621 SH   SOLE   0 0 621
MERCK & CO INC COM 58933Y105   634,714 6,350 SH   SOLE   0 0 6,350
PHILIP MORRIS INTL INC COM 718172109   700,133 5,777 SH   SOLE   0 0 5,777
ISHARES U S ETF TR SHORT DURATION B 46431W507   312,595 6,190 SH   SOLE   0 0 6,190
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   484,208 8,377 SH   SOLE   0 0 8,377
FS KKR CAP CORP COM 302635206   221,609 10,203 SH   SOLE   0 0 10,203
BROADCOM INC COM 11135F101   231,144 997 SH   SOLE   0 0 997
HONEYWELL INTL INC COM 438516106   452,458 2,003 SH   SOLE   0 0 2,003
HERSHEY CO COM 427866108   547,509 3,233 SH   SOLE   0 0 3,233
AMGEN INC COM 031162100   284,098 1,090 SH   SOLE   0 0 1,090
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   591,077 1,304 SH   SOLE   0 0 1,304
INTERNATIONAL BUSINESS MACHS COM 459200101   778,638 3,542 SH   SOLE   0 0 3,542
3M CO COM 88579Y101   276,835 2,145 SH   SOLE   0 0 2,145
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   697,029 13,728 SH   SOLE   0 0 13,728
ORACLE CORP COM 68389X105   948,348 5,691 SH   SOLE   0 0 5,691
VANGUARD INDEX FDS TOTAL STK MKT 922908769   484,852 1,673 SH   SOLE   0 0 1,673
EXXON MOBIL CORP COM 30231G102   827,985 7,697 SH   SOLE   0 0 7,697
AUTOMATIC DATA PROCESSING IN COM 053015103   203,925 694 SH   SOLE   0 0 694
ALPHABET INC CAP STK CL C 02079K107   212,132 1,114 SH   SOLE   0 0 1,114
MOODYS CORP COM 615369105   236,685 500 SH   SOLE   0 0 500