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
ABBVIE INC COM 00287Y109   291,984 1,603 SH   SOLE 0 0 0 1,603
ALPHABET INC CAP STK CL C 02079K107   418,563 2,749 SH   SOLE 0 210 0 2,539
ALPHABET INC CAP STK CL A 02079K305   1,936,206 12,829 SH   SOLE 0 0 0 12,829
ALTRIA GROUP INC COM 02209S103   426,943 9,788 SH   SOLE 0 0 0 9,788
AMAZON COM INC COM 023135106   3,778,781 20,949 SH   SOLE 0 417 0 20,532
AMERICAN INTL GROUP INC COM NEW 026874784   721,652 9,232 SH   SOLE 0 0 0 9,232
AMGEN INC COM 031162100   384,187 1,351 SH   SOLE 0 0 0 1,351
APPLE INC COM 037833100   6,435,144 37,527 SH   SOLE 0 0 0 37,527
BANK AMERICA CORP COM 060505104   811,244 21,394 SH   SOLE 0 0 0 21,394
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   659,375 1,568 SH   SOLE 0 0 0 1,568
BLACKSTONE INC COM 09260D107   965,671 7,351 SH   SOLE 0 0 0 7,351
BOEING CO COM 097023105   340,370 1,764 SH   SOLE 0 0 0 1,764
BRISTOL-MYERS SQUIBB CO COM 110122108   896,296 16,528 SH   SOLE 0 0 0 16,528
BROADCOM INC COM 11135F101   535,658 404 SH   SOLE 0 0 0 404
CHIPOTLE MEXICAN GRILL INC COM 169656105   229,635 79 SH   SOLE 0 0 0 79
CISCO SYS INC COM 17275R102   349,025 6,993 SH   SOLE 0 0 0 6,993
COCA COLA CO COM 191216100   332,288 5,431 SH   SOLE 0 0 0 5,431
CORNING INC COM 219350105   268,608 8,150 SH   SOLE 0 0 0 8,150
COSTCO WHSL CORP NEW COM 22160K105   690,907 943 SH   SOLE 0 0 0 943
CROWDSTRIKE HLDGS INC CL A 22788C105   285,005 889 SH   SOLE 0 0 0 889
CVS HEALTH CORP COM 126650100   209,289 2,624 SH   SOLE 0 0 0 2,624
DANAHER CORPORATION COM 235851102   213,724 856 SH   SOLE 0 0 0 856
ELI LILLY & CO COM 532457108   684,579 880 SH   SOLE 0 6 0 874
EXXON MOBIL CORP COM 30231G102   217,298 1,869 SH   SOLE 0 0 0 1,869
FERRARI N V COM N3167Y103   467,471 1,072 SH   SOLE 0 0 0 1,072
FLEXSHOPPER INC COM NEW 33939J303   333,727 223,978 SH   SOLE 0 0 0 223,978
HOME DEPOT INC COM 437076102   808,326 2,107 SH   SOLE 0 0 0 2,107
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   5,150,515 30,410 SH   SOLE 0 0 0 30,410
INVESCO QQQ TR UNIT SER 1 46090E103   620,340 1,397 SH   SOLE 0 0 0 1,397
ISHARES INC MSCI EQUAL WEITE 464286681   1,418,585 15,591 SH   SOLE 0 0 0 15,591
ISHARES TR EXPONENTIAL TECH 46434V381   209,901 3,521 SH   SOLE 0 0 0 3,521
ISHARES TR CORE MSCI TOTAL 46432F834   814,844 12,008 SH   SOLE 0 0 0 12,008
ISHARES TR RUSEL 2500 ETF 46435G268   3,531,731 53,829 SH   SOLE 0 0 0 53,829
ISHARES TR CORE S&P MCP ETF 464287507   4,464,831 73,507 SH   SOLE 0 0 0 73,507
ISHARES TR CORE S&P SCP ETF 464287804   11,589,575 104,864 SH   SOLE 0 0 0 104,864
ISHARES TR CORE S&P500 ETF 464287200   1,771,402 3,369 SH   SOLE 0 0 0 3,369
ISHARES TR RUS 1000 VAL ETF 464287598   655,358 3,659 SH   SOLE 0 0 0 3,659
ISHARES TR RUS 1000 GRW ETF 464287614   1,239,675 3,678 SH   SOLE 0 0 0 3,678
ISHARES TR RUSSELL 2000 ETF 464287655   5,621,481 26,731 SH   SOLE 0 0 0 26,731
ISHARES TR CORE S&P US VLU 464287663   248,763 2,751 SH   SOLE 0 0 0 2,751
ISHARES TR CORE S&P US GWT 464287671   1,225,965 10,460 SH   SOLE 0 0 0 10,460
ISHARES TR RUS TP200 GR ETF 464289438   8,462,374 43,375 SH   SOLE 0 0 0 43,375
ISHARES TR CORE S&P TTL STK 464287150   22,856,369 198,234 SH   SOLE 0 0 0 198,234
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   713,588 12,333 SH   SOLE 0 0 0 12,333
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   353,366 7,004 SH   SOLE 0 0 0 7,004
JOHNSON & JOHNSON COM 478160104   242,684 1,534 SH   SOLE 0 0 0 1,534
JPMORGAN CHASE & CO COM 46625H100   530,068 2,646 SH   SOLE 0 0 0 2,646
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505   1,062,274 35,671 SH   SOLE 0 0 0 35,671
LOWES COS INC COM 548661107   289,202 1,135 SH   SOLE 0 0 0 1,135
MARRIOTT INTL INC NEW CL A 571903202   1,577,125 6,251 SH   SOLE 0 0 0 6,251
MASTERCARD INCORPORATED CL A 57636Q104   218,431 454 SH   SOLE 0 49 0 405
MCDONALDS CORP COM 580135101   277,597 985 SH   SOLE 0 0 0 985
MERCK & CO INC COM 58933Y105   643,427 4,876 SH   SOLE 0 0 0 4,876
META PLATFORMS INC CL A 30303M102   1,587,478 3,269 SH   SOLE 0 0 0 3,269
MICROSOFT CORP COM 594918104   4,520,983 10,746 SH   SOLE 0 106 0 10,640
MONDELEZ INTL INC CL A 609207105   201,636 2,881 SH   SOLE 0 0 0 2,881
NOVO-NORDISK A S ADR 670100205   226,752 1,766 SH   SOLE 0 83 0 1,683
NVIDIA CORPORATION COM 67066G104   5,957,268 6,593 SH   SOLE 0 0 0 6,593
PACER FDS TR US CASH COWS 100 69374H881   12,033,515 207,082 SH   SOLE 0 0 0 207,082
PACKAGING CORP AMER COM 695156109   243,064 1,281 SH   SOLE 0 0 0 1,281
PFIZER INC COM 717081103   428,129 15,428 SH   SOLE 0 0 0 15,428
PHILIP MORRIS INTL INC COM 718172109   245,587 2,680 SH   SOLE 0 0 0 2,680
PIMCO ETF TR INTER MUN BD ACT 72201R866   1,411,156 26,895 SH   SOLE 0 0 0 26,895
PROCTER AND GAMBLE CO COM 742718109   270,941 1,670 SH   SOLE 0 0 0 1,670
QUALCOMM INC COM 747525103   295,862 1,748 SH   SOLE 0 0 0 1,748
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   30,287,683 776,209 SH   SOLE 0 0 0 776,209
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   6,408,637 79,482 SH   SOLE 0 0 0 79,482
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,177,638 5,654 SH   SOLE 0 0 0 5,654
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   10,632,507 71,973 SH   SOLE 0 0 0 71,973
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   204,500 3,115 SH   SOLE 0 0 0 3,115
SPDR GOLD TR GOLD SHS 78463V107   270,728 1,316 SH   SOLE 0 0 0 1,316
SPDR S&P 500 ETF TR TR UNIT 78462F103   31,568,042 60,351 SH   SOLE 0 0 0 60,351
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   4,330,262 7,783 SH   SOLE 0 0 0 7,783
TEXAS INSTRS INC COM 882508104   251,351 1,443 SH   SOLE 0 0 0 1,443
UNION PAC CORP COM 907818108   416,501 1,694 SH   SOLE 0 0 0 1,694
UNITEDHEALTH GROUP INC COM 91324P102   383,275 775 SH   SOLE 0 27 0 748
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   305,196 1,356 SH   SOLE 0 0 0 1,356
VANGUARD INDEX FDS TOTAL STK MKT 922908769   32,685,919 125,763 SH   SOLE 0 0 0 125,763
VANGUARD INDEX FDS VALUE ETF 922908744   288,693 1,773 SH   SOLE 0 0 0 1,773
VANGUARD INDEX FDS MID CAP ETF 922908629   6,958,977 27,852 SH   SOLE 0 0 0 27,852
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   720,497 1,499 SH   SOLE 0 0 0 1,499
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   4,018,408 68,515 SH   SOLE 0 0 0 68,515
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   689,642 13,746 SH   SOLE 0 0 0 13,746
VANGUARD WORLD FD INF TECH ETF 92204A702   217,906 416 SH   SOLE 0 0 0 416
VERIZON COMMUNICATIONS INC COM 92343V104   224,462 5,349 SH   SOLE 0 0 0 5,349
VISA INC COM CL A 92826C839   975,521 3,495 SH   SOLE 0 89 0 3,406
WALMART INC COM 931142103   490,045 8,144 SH   SOLE 0 0 0 8,144
WASTE MGMT INC DEL COM 94106L109   548,454 2,573 SH   SOLE 0 0 0 2,573
WELLS FARGO CO NEW COM 949746101   434,387 7,495 SH   SOLE 0 0 0 7,495
WILLIAMS SONOMA INC COM 969904101   328,559 1,035 SH   SOLE 0 0 0 1,035