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
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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
ABBOTT LABS COM 002824100   364,554 3,223 SH   SOLE 0 0 0 3,223
ABBVIE INC COM 00287Y109   226,212 1,273 SH   SOLE 0 0 0 1,273
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   354,956 1,009 SH   SOLE 0 0 0 1,009
ADOBE INC COM 00724F101   1,742,256 3,918 SH   SOLE 0 0 0 3,918
AIRBNB INC COM CL A 009066101   299,746 2,281 SH   SOLE 0 0 0 2,281
ALPHABET INC CAP STK CL A 02079K305   512,246 2,706 SH   SOLE 0 0 0 2,706
ALPHABET INC CAP STK CL C 02079K107   1,034,089 5,430 SH   SOLE 0 0 0 5,430
AMAZON COM INC COM 023135106   2,396,616 10,924 SH   SOLE 0 0 0 10,565
AMERICAN WTR WKS CO INC NEW COM 030420103   233,917 1,879 SH   SOLE 0 0 0 1,879
AMERIPRISE FINL INC COM 03076C106   211,907 398 SH   SOLE 0 0 0 398
APPLE INC COM 037833100   1,561,853 6,237 SH   SOLE 0 0 0 6,237
APPLIED MATLS INC COM 038222105   236,464 1,454 SH   SOLE 0 0 0 1,454
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101   328,568 1,856 SH   SOLE 0 0 0 1,856
ASML HOLDING N V N Y REGISTRY SHS N07059210   245,350 354 SH   SOLE 0 0 0 354
AUTOMATIC DATA PROCESSING IN COM 053015103   306,196 1,046 SH   SOLE 0 0 0 1,046
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   99,572 10,244 SH   SOLE 0 0 0 10,244
BANK AMERICA CORP COM 060505104   333,361 7,585 SH   SOLE 0 0 0 7,585
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   262,449 579 SH   SOLE 0 0 0 579
BOEING CO COM 097023105   274,881 1,553 SH   SOLE 0 0 0 1,553
BROADCOM INC COM 11135F101   313,448 1,352 SH   SOLE 0 0 0 1,352
CANADIAN PACIFIC KANSAS CITY COM 13646K108   212,551 2,937 SH   SOLE 0 0 0 2,937
CAPITAL ONE FINL CORP COM 14040H105   335,955 1,884 SH   SOLE 0 0 0 1,884
CITIGROUP INC COM NEW 172967424   278,815 3,961 SH   SOLE 0 0 0 3,961
CLOUDFLARE INC CL A COM 18915M107   1,540,901 14,310 SH   SOLE 0 0 0 14,310
DISNEY WALT CO COM 254687106   237,287 2,131 SH   SOLE 0 0 0 2,131
ELI LILLY & CO COM 532457108   380,596 493 SH   SOLE 0 0 0 493
EXXON MOBIL CORP COM 30231G102   253,865 2,360 SH   SOLE 0 0 0 2,360
FACTSET RESH SYS INC COM 303075105   263,193 548 SH   SOLE 0 0 0 548
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   2,988,877 110,617 SH   SOLE 0 0 0 109,834
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   432,049 3,627 SH   SOLE 0 0 0 3,421
GE AEROSPACE COM NEW 369604301   244,514 1,466 SH   SOLE 0 0 0 1,466
HALEON PLC SPON ADS 405552100   99,121 10,390 SH   SOLE 0 0 0 10,390
HOME DEPOT INC COM 437076102   279,295 718 SH   SOLE 0 0 0 718
INTERNATIONAL BUSINESS MACHS COM 459200101   231,041 1,051 SH   SOLE 0 0 0 1,051
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   5,630,302 272,654 SH   SOLE 0 0 0 271,653
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   2,500,717 128,704 SH   SOLE 0 0 0 127,648
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577   930,021 50,710 SH   SOLE 0 0 0 50,710
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   1,557,070 77,351 SH   SOLE 0 0 0 76,839
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   1,987,561 102,031 SH   SOLE 0 0 0 100,979
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   1,472,705 63,836 SH   SOLE 0 0 0 63,836
ISHARES INC CORE MSCI EMKT 46434G103   554,873 10,626 SH   SOLE 0 0 0 10,521
ISHARES TR CORE MSCI EAFE 46432F842   434,049 6,176 SH   SOLE 0 0 0 3,819
ISHARES TR 0-5YR HI YL CP 46434V407   7,204,272 169,075 SH   SOLE 0 0 0 168,141
ISHARES TR MSCI EAFE MIN VL 46429B689   555,317 7,853 SH   SOLE 0 0 0 7,853
ISHARES TR ESG AWR US AGRGT 46435U549   422,836 9,105 SH   SOLE 0 0 0 9,105
ISHARES TR USD GRN BOND ETF 46435U440   897,761 19,257 SH   SOLE 0 0 0 19,257
ISHARES TR IBONDS 25 TRM HG 46435U168   402,242 17,338 SH   SOLE 0 0 0 17,338
ISHARES TR IBONDS DEC2026 46435GAA0   219,326 9,112 SH   SOLE 0 0 0 9,112
ISHARES TR IBONDS DEC25 ETF 46434VBD1   1,066,905 42,591 SH   SOLE 0 0 0 42,591
ISHARES TR MSCI EAFE ETF 464287465   405,075 5,357 SH   SOLE 0 0 0 5,357
ISHARES TR RUS MD CP GR ETF 464287481   235,797 1,860 SH   SOLE 0 0 0 1,860
ISHARES TR U.S. TECH ETF 464287721   358,784 2,249 SH   SOLE 0 0 0 2,249
ISHARES TR RUS 2000 GRW ETF 464287648   293,419 1,019 SH   SOLE 0 0 0 1,019
ISHARES TR CORE S&P MCP ETF 464287507   253,844 4,074 SH   SOLE 0 0 0 4,074
ISHARES TR CORE S&P SCP ETF 464287804   693,794 6,021 SH   SOLE 0 0 0 6,010
ISHARES TR RUS 1000 ETF 464287622   1,980,138 6,146 SH   SOLE 0 0 0 6,146
ISHARES TR RUS 1000 GRW ETF 464287614   718,828 1,790 SH   SOLE 0 0 0 1,790
ISHARES TR MORNINGSTAR GRWT 464287119   781,702 8,724 SH   SOLE 0 0 0 8,724
ISHARES TR CORE US AGGBD ET 464287226   9,837,646 101,524 SH   SOLE 0 0 0 100,549
ISHARES TR CORE INTL AGGR 46435G672   2,382,269 47,722 SH   SOLE 0 0 0 47,612
JPMORGAN CHASE & CO. COM 46625H100   227,485 949 SH   SOLE 0 0 0 949
KAYNE ANDERSON ENERGY INFRST COM 486606106   141,081 11,100 SH   SOLE 0 0 0 11,100
LEMAITRE VASCULAR INC COM 525558201   228,968 2,485 SH   SOLE 0 0 0 2,485
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   201,718 74,161 SH   SOLE 0 0 0 74,161
LOTUS TECHNOLOGY INC SPONSORED ADR 54572F101   52,850 14,640 SH   SOLE 0 0 0 14,640
LOWES COS INC COM 548661107   272,220 1,103 SH   SOLE 0 0 0 1,103
MASTERCARD INCORPORATED CL A 57636Q104   529,203 1,005 SH   SOLE 0 0 0 1,005
MCDONALDS CORP COM 580135101   252,494 871 SH   SOLE 0 0 0 871
MEDTRONIC PLC SHS G5960L103   227,978 2,854 SH   SOLE 0 0 0 2,854
MERCK & CO INC COM 58933Y105   292,869 2,944 SH   SOLE 0 0 0 2,944
META PLATFORMS INC CL A 30303M102   816,201 1,394 SH   SOLE 0 0 0 1,394
MICROSOFT CORP COM 594918104   2,030,120 4,816 SH   SOLE 0 0 0 4,816
MID-AMER APT CMNTYS INC COM 59522J103   241,284 1,561 SH   SOLE 0 0 0 1,561
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   194,880 16,628 SH   SOLE 0 0 0 16,628
MSCI INC COM 55354G100   348,606 581 SH   SOLE 0 0 0 581
NETFLIX INC COM 64110L106   852,102 956 SH   SOLE 0 0 0 956
NOVARTIS AG SPONSORED ADR 66987V109   210,190 2,160 SH   SOLE 0 0 0 2,160
NOVO-NORDISK A S ADR 670100205   568,506 6,609 SH   SOLE 0 0 0 6,609
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   313,252 7,479 SH   SOLE 0 0 0 7,479
NUSHARES ETF TR ESG HI TLD CRP 67092P854   395,828 18,733 SH   SOLE 0 0 0 18,733
NUVEEN PFD & INCOME OPPORTUN COM 67073B106   85,202 10,840 SH   SOLE 0 0 0 10,840
NVIDIA CORPORATION COM 67066G104   1,249,300 9,303 SH   SOLE 0 0 0 9,303
OLLIES BARGAIN OUTLET HLDGS COM 681116109   328,532 2,994 SH   SOLE 0 0 0 2,994
ONEOK INC NEW COM 682680103   376,902 3,754 SH   SOLE 0 0 0 3,754
ORACLE CORP COM 68389X105   769,877 4,620 SH   SOLE 0 0 0 4,620
PACER FDS TR LUNT LRGCP MULTI 69374H816   538,663 10,934 SH   SOLE 0 0 0 9,141
PARKER-HANNIFIN CORP COM 701094104   246,144 387 SH   SOLE 0 0 0 387
QUALCOMM INC COM 747525103   623,083 4,056 SH   SOLE 0 0 0 4,056
RELX PLC SPONSORED ADR 759530108   225,737 4,970 SH   SOLE 0 0 0 4,970
REPUBLIC SVCS INC COM 760759100   305,794 1,520 SH   SOLE 0 0 0 1,520
RITHM CAPITAL CORP COM NEW 64828T201   109,383 10,100 SH   SOLE 0 0 0 10,100
RYAN SPECIALTY HOLDINGS INC CL A 78351F107   206,531 3,219 SH   SOLE 0 0 0 3,219
SALESFORCE INC COM 79466L302   232,694 696 SH   SOLE 0 0 0 696
SAP SE SPON ADR 803054204   376,948 1,531 SH   SOLE 0 0 0 1,531
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   13,252,004 716,324 SH   SOLE 0 0 0 713,200
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,247,193 152,393 SH   SOLE 0 0 0 151,741
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   543,257 20,838 SH   SOLE 0 0 0 20,838
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   627,175 18,269 SH   SOLE 0 0 0 18,209
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   497,599 18,686 SH   SOLE 0 0 0 18,686
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,732,879 120,391 SH   SOLE 0 0 0 120,391
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   12,269,540 449,105 SH   SOLE 0 0 0 439,577
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,329,209 156,233 SH   SOLE 0 0 0 154,445
SELECT SECTOR SPDR TR ENERGY 81369Y506   238,563 2,785 SH   SOLE 0 0 0 2,750
SERVICENOW INC COM 81762P102   506,737 478 SH   SOLE 0 0 0 478
SHOPIFY INC CL A 82509L107   787,480 7,406 SH   SOLE 0 0 0 7,406
SNAP ON INC COM 833034101   239,333 705 SH   SOLE 0 0 0 705
SONY GROUP CORP SPONSORED ADR 835699307   403,860 19,086 SH   SOLE 0 0 0 19,086
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,968,969 86,990 SH   SOLE 0 0 0 85,595
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,225,629 84,066 SH   SOLE 0 0 0 82,345
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,390,880 2,373 SH   SOLE 0 0 0 2,373
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   785,155 1,378 SH   SOLE 0 0 0 1,378
SPDR SER TR S&P 600 SMCP VAL 78464A300   3,584,852 41,087 SH   SOLE 0 0 0 40,521
SPDR SER TR S&P 600 SMCP GRW 78464A201   4,982,181 55,143 SH   SOLE 0 0 0 54,578
SPDR SER TR BLOOMBERG HIGH Y 78468R622   561,459 5,881 SH   SOLE 0 0 0 5,880
TELEDYNE TECHNOLOGIES INC COM 879360105   307,254 662 SH   SOLE 0 0 0 662
TESLA INC COM 88160R101   764,065 1,892 SH   SOLE 0 0 0 1,892
TEXAS INSTRS INC COM 882508104   211,136 1,126 SH   SOLE 0 0 0 1,126
THERMO FISHER SCIENTIFIC INC COM 883556102   281,444 541 SH   SOLE 0 0 0 541
TOTALENERGIES SE SPONSORED ADS 89151E109   221,761 4,069 SH   SOLE 0 0 0 4,069
UNILEVER PLC SPON ADR NEW 904767704   304,649 5,373 SH   SOLE 0 0 0 5,373
UNITEDHEALTH GROUP INC COM 91324P102   236,237 467 SH   SOLE 0 0 0 467
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   629,479 5,412 SH   SOLE 0 0 0 5,385
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,403,149 18,776 SH   SOLE 0 0 0 18,776
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   662,507 9,213 SH   SOLE 0 0 0 8,942
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   12,800,232 260,963 SH   SOLE 0 0 0 259,586
VANGUARD INDEX FDS TOTAL STK MKT 922908769   494,499 1,706 SH   SOLE 0 0 0 1,706
VANGUARD INDEX FDS VALUE ETF 922908744   2,988,272 17,651 SH   SOLE 0 0 0 17,541
VANGUARD INDEX FDS MID CAP ETF 922908629   804,614 3,046 SH   SOLE 0 0 0 3,027
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,333,747 11,776 SH   SOLE 0 0 0 11,776
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,076,811 12,088 SH   SOLE 0 0 0 12,088
VANGUARD INDEX FDS GROWTH ETF 922908736   563,534 1,373 SH   SOLE 0 0 0 1,373
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   375,739 8,532 SH   SOLE 0 0 0 8,532
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   454,983 7,925 SH   SOLE 0 0 0 7,925
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,853,125 24,922 SH   SOLE 0 0 0 24,706
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   16,787,390 162,511 SH   SOLE 0 0 0 159,809
VANGUARD STAR FDS VG TL INTL STK F 921909768   519,704 8,819 SH   SOLE 0 0 0 8,819
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   577,556 12,078 SH   SOLE 0 0 0 11,278
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,335,549 26,143 SH   SOLE 0 0 0 26,143
VANGUARD WORLD FD ESG US STK ETF 921910733   246,177 2,347 SH   SOLE 0 0 0 2,347
VERIZON COMMUNICATIONS INC COM 92343V104   424,974 10,627 SH   SOLE 0 0 0 10,627
VISA INC COM CL A 92826C839   914,936 2,895 SH   SOLE 0 0 0 2,895
WATSCO INC COM 942622200   289,073 610 SH   SOLE 0 0 0 610
WEC ENERGY GROUP INC COM 92939U106   395,344 4,204 SH   SOLE 0 0 0 4,204
WELLS FARGO CO NEW COM 949746101   354,993 5,054 SH   SOLE 0 0 0 5,054
WISDOMTREE TR US TOTAL DIVIDND 97717W109   243,766 3,213 SH   SOLE 0 0 0 3,213
WORKDAY INC CL A 98138H101   336,471 1,304 SH   SOLE 0 0 0 1,304
ZOETIS INC CL A 98978V103   293,437 1,801 SH   SOLE 0 0 0 1,801