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
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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
ISHARES TR CORE MSCI EAFE 46432F842   6,464,846 100,464 SH   SOLE   172 0 100,292
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,122,978 15,592 SH   SOLE   31 0 15,561
VANGUARD INDEX FDS GROWTH ETF 922908736   5,070,165 18,619 SH   SOLE   40 0 18,579
VANGUARD INDEX FDS VALUE ETF 922908744   4,212,127 30,538 SH   SOLE   19 0 30,519
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,209,622 9,848 SH   SOLE   0 0 9,848
ISHARES TR CORE S&P500 ETF 464287200   3,892,224 9,064 SH   SOLE   0 0 9,064
ISHARES TR CORE S&P US VLU 464287663   3,715,479 49,792 SH   SOLE   98 0 49,694
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,559,961 25,125 SH   SOLE   0 0 25,125
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108   3,165,378 113,414 SH   SOLE   133 0 113,281
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,126,247 79,731 SH   SOLE   30 0 79,701
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   2,895,085 51,615 SH   SOLE   51 0 51,564
INVESCO QQQ TR UNIT SER 1 46090E103   2,863,901 7,994 SH   SOLE   0 0 7,994
ISHARES TR MSCI EAFE ETF 464287465   2,604,133 37,785 SH   SOLE   0 0 37,785
ISHARES TR MSCI USA MIN VOL 46429B697   2,550,462 35,237 SH   SOLE   36 0 35,201
ISHARES INC CORE MSCI EMKT 46434G103   2,524,480 53,046 SH   SOLE   86 0 52,960
ISHARES TR CORE MSCI INTL 46435G326   2,301,203 39,485 SH   SOLE   0 0 39,485
ISHARES TR GLOBAL TECH ETF 464287291   2,097,643 36,266 SH   SOLE   0 0 36,266
VANGUARD INDEX FDS MID CAP ETF 922908629   1,808,041 8,682 SH   SOLE   9 0 8,673
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   1,803,346 39,340 SH   SOLE   74 0 39,266
APPLE INC COM 037833100   1,776,113 10,374 SH   SOLE   0 0 10,374
UNITEDHEALTH GROUP INC COM 91324P102   1,717,271 3,406 SH   SOLE   0 0 3,406
ISHARES TR BROAD USD HIGH 46435U853   1,628,142 46,907 SH   SOLE   131 0 46,776
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,606,705 10,340 SH   SOLE   0 0 10,340
SPDR SER TR PORTFOLIO S&P600 78468R853   1,499,012 40,624 SH   SOLE   0 0 40,624
ISHARES TR CORE S&P SCP ETF 464287804   1,359,673 14,414 SH   SOLE   29 0 14,385
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,332,524 27,860 SH   SOLE   73 0 27,787
JPMORGAN CHASE & CO COM 46625H100   1,262,544 8,706 SH   SOLE   0 0 8,706
ISHARES TR JPMORGAN USD EMG 464288281   1,252,587 15,179 SH   SOLE   41 0 15,138
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   1,179,083 22,679 SH   SOLE   0 0 22,679
SEMPRA COM 816851109   1,161,952 17,080 SH   SOLE   0 0 17,080
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   1,129,668 14,895 SH   SOLE   0 0 14,895
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   1,071,927 25,489 SH   SOLE   87 0 25,402
BROADCOM INC COM 11135F101   1,054,837 1,270 SH   SOLE   0 0 1,270
COMCAST CORP NEW CL A 20030N101   1,044,606 23,559 SH   SOLE   0 0 23,559
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,042,847 31,065 SH   SOLE   0 0 31,065
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,035,309 5,476 SH   SOLE   5 0 5,471
MICROSOFT CORP COM 594918104   1,005,662 3,185 SH   SOLE   0 0 3,185
VANGUARD INDEX FDS TOTAL STK MKT 922908769   944,152 4,445 SH   SOLE   0 0 4,445
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   942,018 5,902 SH   SOLE   0 0 5,902
TE CONNECTIVITY LTD SHS H84989104   926,228 7,498 SH   SOLE   0 0 7,498
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   867,627 11,419 SH   SOLE   37 0 11,382
MOTOROLA SOLUTIONS INC COM NEW 620076307   765,811 2,813 SH   SOLE   0 0 2,813
ELEVANCE HEALTH INC COM 036752103   763,291 1,753 SH   SOLE   0 0 1,753
DEERE & CO COM 244199105   753,628 1,997 SH   SOLE   0 0 1,997
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   731,076 2,087 SH   SOLE   0 0 2,087
CHEVRON CORP NEW COM 166764100   723,952 4,293 SH   SOLE   0 0 4,293
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   710,809 47,546 SH   SOLE   60 0 47,486
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   631,611 14,447 SH   SOLE   0 0 14,447
HOME DEPOT INC COM 437076102   628,191 2,079 SH   SOLE   0 0 2,079
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   610,560 10,600 SH   SOLE   44 0 10,556
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   608,620 12,095 SH   SOLE   28 0 12,067
MARSH & MCLENNAN COS INC COM 571748102   592,404 3,113 SH   SOLE   0 0 3,113
INTEL CORP COM 458140100   585,117 16,459 SH   SOLE   0 0 16,459
NOVO-NORDISK A S ADR 670100205   580,743 6,386 SH   SOLE   0 0 6,386
MERCK & CO INC COM 58933Y105   559,430 5,434 SH   SOLE   0 0 5,434
UNITED PARCEL SERVICE INC CL B 911312106   554,741 3,559 SH   SOLE   0 0 3,559
AIR PRODS & CHEMS INC COM 009158106   554,047 1,955 SH   SOLE   0 0 1,955
CHARTER COMMUNICATIONS INC N CL A 16119P108   531,303 1,208 SH   SOLE   0 0 1,208
CONOCOPHILLIPS COM 20825C104   520,771 4,347 SH   SOLE   0 0 4,347
PROGRESSIVE CORP COM 743315103   514,156 3,691 SH   SOLE   0 0 3,691
METTLER TOLEDO INTERNATIONAL COM 592688105   514,144 464 SH   SOLE   0 0 464
AMERICAN EXPRESS CO COM 025816109   511,871 3,431 SH   SOLE   0 0 3,431
JOHNSON & JOHNSON COM 478160104   478,308 3,071 SH   SOLE   0 0 3,071
EXXON MOBIL CORP COM 30231G102   476,317 4,051 SH   SOLE   0 0 4,051
ILLINOIS TOOL WKS INC COM 452308109   431,831 1,875 SH   SOLE   0 0 1,875
HONEYWELL INTL INC COM 438516106   428,043 2,317 SH   SOLE   0 0 2,317
FRANKLIN COVEY CO COM 353469109   420,874 9,806 SH   SOLE   0 0 9,806
ORACLE CORP COM 68389X105   415,418 3,922 SH   SOLE   0 0 3,922
TEXAS INSTRS INC COM 882508104   413,585 2,601 SH   SOLE   0 0 2,601
AMERICAN TOWER CORP NEW COM 03027X100   408,987 2,487 SH   SOLE   0 0 2,487
AMGEN INC COM 031162100   405,290 1,508 SH   SOLE   0 0 1,508
NIKE INC CL B 654106103   399,978 4,183 SH   SOLE   0 0 4,183
ASML HOLDING N V N Y REGISTRY SHS N07059210   399,700 679 SH   SOLE   0 0 679
NORTHROP GRUMMAN CORP COM 666807102   390,008 886 SH   SOLE   0 0 886
BECTON DICKINSON & CO COM 075887109   384,951 1,489 SH   SOLE   0 0 1,489
BANK AMERICA CORP COM 060505104   384,251 14,034 SH   SOLE   0 0 14,034
MARTIN MARIETTA MATLS INC COM 573284106   380,515 927 SH   SOLE   0 0 927
US BANCORP DEL COM NEW 902973304   374,239 11,320 SH   SOLE   0 0 11,320
SCHWAB CHARLES CORP COM 808513105   359,815 6,554 SH   SOLE   0 0 6,554
ISHARES TR CORE S&P MCP ETF 464287507   355,822 1,427 SH   SOLE   0 0 1,427
ALPHABET INC CAP STK CL A 02079K305   321,916 2,460 SH   SOLE   0 0 2,460
TRAVELERS COMPANIES INC COM 89420G109   320,251 1,961 SH   SOLE   0 0 1,961
EDISON INTL COM 281020107   318,349 5,030 SH   SOLE   0 0 5,030
AUTODESK INC COM 052769106   313,676 1,516 SH   SOLE   0 0 1,516
VISA INC COM CL A 92826C839   309,823 1,347 SH   SOLE   0 0 1,347
VERTEX PHARMACEUTICALS INC COM 92532F100   308,793 888 SH   SOLE   0 0 888
MCKESSON CORP COM 58155Q103   308,309 709 SH   SOLE   0 0 709
VANGUARD INDEX FDS SM CP VAL ETF 922908611   298,700 1,873 SH   SOLE   0 0 1,873
AMAZON COM INC COM 023135106   293,139 2,306 SH   SOLE   0 0 2,306
VERTIV HOLDINGS CO COM CL A 92537N108   288,300 7,750 SH   SOLE   0 0 7,750
OTIS WORLDWIDE CORP COM 68902V107   266,228 3,315 SH   SOLE   0 0 3,315
RTX CORPORATION COM 75513E101   259,812 3,610 SH   SOLE   0 0 3,610
BIOGEN INC COM 09062X103   239,276 931 SH   SOLE   0 0 931
CVS HEALTH CORP COM 126650100   237,947 3,408 SH   SOLE   0 0 3,408
ABBVIE INC COM 00287Y109   227,764 1,528 SH   SOLE   0 0 1,528
SHERWIN WILLIAMS CO COM 824348106   227,760 893 SH   SOLE   0 0 893
TC ENERGY CORP COM 87807B107   210,727 6,124 SH   SOLE   0 0 6,124
PFIZER INC COM 717081103   206,251 6,218 SH   SOLE   0 0 6,218
HALEON PLC SPON ADS 405552100   205,093 24,621 SH   SOLE   0 0 24,621