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   309,455 142 SH   SOLE   3 0 139
AMAZON COM INC COM 023135106   1,140,164 10,735 SH   SOLE   100 0 10,635
APPLE INC COM 037833100   1,516,177 11,090 SH   SOLE   711 0 10,379
BK OF AMERICA CORP COM 060505104   387,241 102,452 SH   SOLE   93,190 0 9,262
EATON CORP PLC SHS G29183103   337,401 2,678 SH   SOLE   29 0 2,649
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479   201,239 4,370 SH   SOLE   0 0 4,370
GOLDMAN SACHS GROUP INC COM 38141G104   784,133 2,640 SH   SOLE   24 0 2,616
HOME DEPOT INC COM 437076102   583,098 2,126 SH   SOLE   18 0 2,108
INVESCO QQQ TR UNIT SER 1 46090E103   16,811,402 59,981 SH   SOLE   3,641 0 56,340
ISHARES INC CORE MSCI EMKT 46434G103   472,055 9,622 SH   SOLE   67 0 9,555
ISHARES TR 0-5YR HI YL CP 46434V407   323,977 7,990 SH   SOLE   86 0 7,904
ISHARES TR 0-5YR INVT GR CP 46434V100   3,184,797 65,720 SH   SOLE   5,422 0 60,298
ISHARES TR CORE S&P MCP ETF 464287507   266,725 1,179 SH   SOLE   44 0 1,135
ISHARES TR CORE S&P TTL STK 464287150   251,340 3,000 SH   SOLE   0 0 3,000
ISHARES TR CORE S&P500 ETF 464287200   2,211,582 5,833 SH   SOLE   62 0 5,771
ISHARES TR IBDS DEC28 ETF 46435U515   1,992,875 79,843 SH   SOLE   4,966 0 74,877
ISHARES TR IBONDS DEC2026 46435GAA0   2,008,484 84,426 SH   SOLE   5,266 0 79,160
ISHARES TR ISHS 1-5YR INVS 464288646   950,873 18,811 SH   SOLE   1,031 0 17,780
ISHARES TR MSCI USA MMENTM 46432F396   205,782 1,509 SH   SOLE   0 0 1,509
ISHARES TR MSCI USA QLT FCT 46432F339   702,670 6,289 SH   SOLE   0 0 6,289
ISHARES TR MSCI USA VALUE 46432F388   568,466 6,280 SH   SOLE   226 0 6,054
ISHARES TR RUS 1000 GRW ETF 464287614   11,271,106 51,537 SH   SOLE   3,076 0 48,461
ISHARES TR RUS MD CP GR ETF 464287481   6,305,120 79,590 SH   SOLE   2,897 0 76,693
ISHARES TR S&P 500 GRWT ETF 464287309   25,965,368 430,246 SH   SOLE   20,431 0 409,815
ISHARES TR S&P 500 VAL ETF 464287408   402,208 2,926 SH   SOLE   803 0 2,123
ISHARES TR USD INV GRDE ETF 464288620   1,373,627 26,950 SH   SOLE   1,496 0 25,454
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   3,301,115 65,904 SH   SOLE   5,111 0 60,793
LOCKHEED MARTIN CORP COM 539830109   202,941 472 SH   SOLE   4 0 468
MASTERCARD INCORPORATED CL A 57636Q104   207,270 657 SH   SOLE   6 0 651
MEDTRONIC PLC SHS G5960L103   345,627 3,851 SH   SOLE   54 0 3,797
MICROSOFT CORP COM 594918104   803,107 3,127 SH   SOLE   69 0 3,058
SALESFORCE INC COM 79466L302   422,007 2,557 SH   SOLE   55 0 2,502
SPDR S&P 500 ETF TR TR UNIT 78462F103   28,206,640 74,769 SH   SOLE   4,870 0 69,899
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   267,425 2,923 SH   SOLE   1,274 0 1,649
SPDR SER TR PORTFOLIO LN COR 78464A367   384,260 15,951 SH   SOLE   0 0 15,951
SPDR SER TR S&P REGL BKG 78464A698   750,407 12,918 SH   SOLE   92 0 12,826
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   231,310 5,555 SH   SOLE   2,655 0 2,900
VANGUARD INDEX FDS GROWTH ETF 922908736   602,695 2,704 SH   SOLE   0 0 2,704
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   12,084,952 34,839 SH   SOLE   1,246 0 33,593
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   614,052 4,280 SH   SOLE   0 0 4,280
VERISK ANALYTICS INC COM 92345Y106   317,793 1,836 SH   SOLE   23 0 1,813
VISA INC COM CL A 92826C839   536,131 2,723 SH   SOLE   35 0 2,688