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
ABBOTT LABS COM COM 002824100   493,506 5,096 SH   SOLE   5,096 0 0
ABBVIE INC COM COM 00287Y109   548,362 3,679 SH   SOLE   3,679 0 0
ACCENTURE PLC IRELAND SHS CLASS A CL A G1151C101   264,422 861 SH   SOLE   861 0 0
ACTIVISION BLIZZARD INC COM COM 00507V109   867,388 9,264 SH   SOLE   9,264 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305   915,439 6,996 SH   SOLE   6,996 0 0
AMAZON COM INC COM COM 023135106   931,773 7,330 SH   SOLE   7,330 0 0
AMERIPRISE FINL INC COM COM 03076C106   1,174,650 3,563 SH   SOLE   3,563 0 0
AMPHENOL CORP NEW CL A CL A 032095101   830,325 9,886 SH   SOLE   9,886 0 0
APPLE INC COM COM 037833100   4,780,090 27,919 SH   SOLE   27,919 0 0
BROADCOM INC COM COM 11135F101   906,299 1,091 SH   SOLE   1,091 0 0
CHEVRON CORP NEW COM COM 166764100   212,441 1,260 SH   SOLE   1,260 0 0
CISCO SYS INC COM COM 17275R102   1,051,796 19,565 SH   SOLE   19,565 0 0
COCA COLA CO COM COM 191216100   868,548 15,515 SH   SOLE   15,515 0 0
COMCAST CORP NEW CL A CL A 20030N101   226,242 5,102 SH   SOLE   5,102 0 0
DISNEY WALT CO COM COM 254687106   991,055 12,228 SH   SOLE   12,228 0 0
EATON CORP PLC SHS SHS G29183103   269,586 1,264 SH   SOLE   1,264 0 0
EDISON INTL COM COM 281020107   239,932 3,791 SH   SOLE   3,791 0 0
ELEVANCE HEALTH INC COM COM 036752103   387,959 891 SH   SOLE   891 0 0
ELI LILLY & CO COM COM 532457108   260,987 486 SH   SOLE   486 0 0
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506   387,171 4,283 SH   SOLE   4,283 0 0
EOG RES INC COM COM 26875P101   833,827 6,578 SH   SOLE   6,578 0 0
EXXON MOBIL CORP COM COM 30231G102   1,739,197 14,792 SH   SOLE   14,792 0 0
FINANCIAL SELECT SECTOR SPDR FUND FINANCIAL 81369Y605   214,137 6,456 SH   SOLE   6,456 0 0
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF TCW OPPORTUNIS 33740F805   1,465,792 34,854 SH   SOLE   34,854 0 0
FORD MTR CO DEL COM COM 345370860   163,960 13,201 SH   SOLE   13,201 0 0
HONEYWELL INTL INC COM COM 438516106   923,885 5,001 SH   SOLE   5,001 0 0
INVESCO PREFERRED ETF PFD ETF 46138E511   251,887 23,003 SH   SOLE   23,003 0 0
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF S&P500 EQL TEC 46137V282   630,290 22,390 SH   SOLE   22,390 0 0
INVESCO S&P 500 REVENUE ETF S&P 500 REVENUE 46138G698   217,947 2,789 SH   SOLE   2,789 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 5-10YR INVT 464288638   769,886 15,825 SH   SOLE   15,825 0 0
ISHARES BIOTECHNOLOGY ETF ISHARES BIOTECH 464287556   210,048 1,718 SH   SOLE   1,718 0 0
ISHARES CONVERTIBLE BOND ETF CONV BD ETF 46435G102   4,965,119 66,906 SH   SOLE   66,906 0 0
ISHARES CORE 10 YEAR USD BOND ETF CORE LT USDB ETF 464289479   10,837,806 229,372 SH   SOLE   229,372 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834   2,077,614 34,633 SH   SOLE   34,633 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507   14,546,023 58,336 SH   SOLE   58,336 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150   439,780 4,669 SH   SOLE   4,669 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226   15,012,579 159,640 SH   SOLE   159,640 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF MSCI EAFE MIN VL 46429B689   598,879 9,182 SH   SOLE   9,182 0 0
ISHARES MSCI GERMANY ETF MSCI GERMANY ETF 464286806   376,258 14,361 SH   SOLE   14,361 0 0
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF MSCI GBL MIN VOL 464286525   443,035 4,643 SH   SOLE   4,643 0 0
ISHARES MSCI ITALY ETF MSCI ITALY ETF 46434G830   413,225 13,584 SH   SOLE   13,584 0 0
ISHARES MSCI JAPAN ETF MSCI JPN ETF NEW 46434G822   205,107 3,402 SH   SOLE   3,402 0 0
ISHARES MSCI UNITED KINGDOM ETF MSCI UK ETF NEW 46435G334   8,950,481 282,885 SH   SOLE   282,885 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697   1,861,980 25,725 SH   SOLE   25,725 0 0
ISHARES RUSSELL MIDCAP ETF RUS MID CAP ETF 464287499   211,406 3,053 SH   SOLE   3,053 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158   1,072,901 10,431 SH   SOLE   10,431 0 0
ISHARES U.S. TECHNOLOGY ETF U.S. TECH ETF 464287721   413,757 3,944 SH   SOLE   3,944 0 0
ISHARES US & INTL HIGH YIELD CORP BOND ETF US INTL HGH YLD 464286178   5,162,578 124,355 SH   SOLE   124,355 0 0
JABIL INC COM COM 466313103   436,924 3,443 SH   SOLE   3,443 0 0
JOHNSON & JOHNSON COM COM 478160104   302,499 1,942 SH   SOLE   1,942 0 0
JPMORGAN CHASE & CO COM COM 46625H100   493,546 3,403 SH   SOLE   3,403 0 0
LENNAR CORP CL A CL A 526057104   811,647 7,232 SH   SOLE   7,232 0 0
LOWES COS INC COM COM 548661107   261,878 1,260 SH   SOLE   1,260 0 0
MASTERCARD INCORPORATED CL A COM 57636Q104   1,003,429 2,534 SH   SOLE   2,534 0 0
MCDONALDS CORP COM CL A 580135101   481,705 1,829 SH   SOLE   1,829 0 0
MERCK & CO INC COM COM 58933Y105   976,594 9,486 SH   SOLE   9,486 0 0
MICROSOFT CORP COM COM 594918104   1,938,018 6,138 SH   SOLE   6,138 0 0
NETFLIX INC COM COM 64110L106   204,282 541 SH   SOLE   541 0 0
NVIDIA CORPORATION COM COM 67066G104   231,889 533 SH   SOLE   533 0 0
PFIZER INC COM COM 717081103   937,683 28,269 SH   SOLE   28,269 0 0
PROCTER AND GAMBLE CO COM COM 742718109   784,132 5,376 SH   SOLE   5,376 0 0
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF COM 74348A467   361,284 4,080 SH   SOLE   4,080 0 0
RESMED INC COM S&P 500 DV ARIST 761152107   853,667 5,773 SH   SOLE   5,773 0 0
SAIA INC COM COM 78709Y105   275,069 690 SH   SOLE   690 0 0
SCHWAB FUNDAMENTAL US SMALL CO. INDEX ETF SCHWAB FDT US SC 808524763   5,121,789 105,626 SH   SOLE   105,626 0 0
SCHWAB INTERMEDIATE-TERM US TREASURY ETF COM 808524854   3,255,414 67,906 SH   SOLE   67,906 0 0
SCHWAB U.S. MID-CAP ETF INT-TRM U.S TRES 808524508   971,456 14,354 SH   SOLE   14,354 0 0
SCHWAB U.S. SMALL-CAP ETF US MID-CAP ETF 808524607   1,292,822 31,212 SH   SOLE   31,212 0 0
SPDR BLACKSTONE SENIOR LOAN ETF US SML CAP ETF 78467V608   5,432,012 129,550 SH   SOLE   129,550 0 0
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF BLACKSTONE SENR 78464A284   286,293 12,019 SH   SOLE   12,019 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF NUVEEN BLOOMBERG 78463X509   1,350,187 40,220 SH   SOLE   40,220 0 0
SPDR PORTFOLIO HIGH YIELD BOND ETF PORTFOLIO EMG MK 78468R606   11,447,901 510,611 SH   SOLE   510,611 0 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF PORTFLI HIGH YLD 78464A375   1,900,083 60,416 SH   SOLE   60,416 0 0
SPDR PORTFOLIO INTERMEDIATE TERM TREASURY ETF PORTFOLIO INTRMD 78464A672   961,523 34,926 SH   SOLE   34,926 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF PORTFLI INTRMDIT 78464A409   25,525,267 430,588 SH   SOLE   430,588 0 0
SPDR S&P 500 ETF TRUST PRTFLO S&P500 GW 78462F103   477,348 1,117 SH   SOLE   1,117 0 0
SPDR S&P DIVIDEND ETF TR UNIT 78464A763   398,280 3,463 SH   SOLE   3,463 0 0
TESLA INC COM COM 88160R101   991,063 3,961 SH   SOLE   3,961 0 0
TJX COS INC NEW COM COM 872540109   840,538 9,457 SH   SOLE   9,457 0 0
UNITED PARCEL SERVICE INC CL B COM 911312106   845,283 5,423 SH   SOLE   5,423 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102   237,396 471 SH   SOLE   471 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF CL B 921946885   5,105,153 86,294 SH   SOLE   86,294 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF EM MK GOV BD ETF 92206C771   1,701,597 38,867 SH   SOLE   38,867 0 0
VANGUARD RUSSELL 1000 ETF MTG-BKD SECS ETF 92206C730   28,212,896 144,934 SH   SOLE   144,934 0 0
VANGUARD SHORT-TERM BOND ETF VNG RUS1000IDX 921937827   275,846 3,670 SH   SOLE   3,670 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF SHORT TRM BOND 92206C409   1,526,513 20,313 SH   SOLE   20,313 0 0
VANGUARD TAX-EXEMPT BOND ETF SHRT TRM CORP BD 922907746   1,214,766 25,255 SH   SOLE   25,255 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF TAX EXEMPT BD 92203J407   294,298 6,153 SH   SOLE   6,153 0 0
VANGUARD VALUE ETF TOTAL INT BD ETF 922908744   27,091,621 196,416 SH   SOLE   196,416 0 0
VISA INC COM CL A VALUE ETF 92826C839   906,842 3,943 SH   SOLE   3,943 0 0
WISDOMTREE EMERGING MARKETS HIGH DIVIDEND FUND COM 97717W315   339,269 9,052 SH   SOLE   9,052 0 0
WISDOMTREE INTERNATIONAL HIGH DIVIDEND FUND EMER MKT HIGH FD 97717W802   545,389 15,068 SH   SOLE   15,068 0 0
WISDOMTREE U.S. LARGECAP DIVIDEND FUND ITL HIGH DIV FD 97717W307   657,082 10,686 SH   SOLE   10,686 0 0
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND US LARGECAP DIVD 97717W604   306,111 10,855 SH   SOLE   10,855 0 0
WP CAREY INC COM US SMALLCAP DIVD 92936U109   1,641,362 30,351 SH   SOLE   30,351 0 0
XTRACKERS MSCI EAFE HEDGED EQUITY ETF COM 233051200   4,458,440 127,749 SH   SOLE   127,749 0 0