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
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,521,312 17,671 SH   SOLE   453 0 17,218
VANGUARD INDEX FDS GROWTH ETF 922908736   8,096,979 19,728 SH   SOLE   476 0 19,252
ISHARES TR CORE MSCI EAFE 46432F842   6,203,800 88,273 SH   SOLE   1,783 0 86,490
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,712,560 9,747 SH   SOLE   24 0 9,723
ISHARES TR CORE S&P US VLU 464287663   5,607,343 60,561 SH   SOLE   1,587 0 58,974
ISHARES TR CORE S&P500 ETF 464287200   5,312,266 9,024 SH   SOLE   0 0 9,024
VANGUARD INDEX FDS VALUE ETF 922908744   5,056,073 29,865 SH   SOLE   195 0 29,670
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,379,348 24,992 SH   SOLE   65 0 24,927
INVESCO QQQ TR UNIT SER 1 46090E103   4,045,041 7,912 SH   SOLE   29 0 7,883
ISHARES INC CORE MSCI EMKT 46434G103   3,906,932 74,817 SH   SOLE   1,514 0 73,303
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   3,715,225 47,352 SH   SOLE   493 0 46,859
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108   3,613,456 120,408 SH   SOLE   1,684 0 118,724
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,519,075 79,906 SH   SOLE   384 0 79,522
ISHARES TR MSCI USA MIN VOL 46429B697   3,116,617 35,101 SH   SOLE   424 0 34,677
ISHARES TR GLOBAL TECH ETF 464287291   3,046,134 35,943 SH   SOLE   55 0 35,888
BROADCOM INC COM 11135F101   2,947,150 12,712 SH   SOLE   0 0 12,712
ISHARES TR MSCI EAFE ETF 464287465   2,820,314 37,301 SH   SOLE   0 0 37,301
APPLE INC COM 037833100   2,818,618 11,256 SH   SOLE   0 0 11,256
ISHARES TR CORE MSCI INTL 46435G326   2,546,943 39,506 SH   SOLE   238 0 39,268
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888   2,376,433 96,407 SH   SOLE   2,246 0 94,161
VANGUARD INDEX FDS MID CAP ETF 922908629   2,274,771 8,612 SH   SOLE   113 0 8,499
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   2,234,547 41,205 SH   SOLE   939 0 40,266
JPMORGAN CHASE & CO. COM 46625H100   2,146,124 8,953 SH   SOLE   0 0 8,953
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,005,833 10,243 SH   SOLE   38 0 10,205
SPDR SER TR PORTFOLIO S&P600 78468R853   1,948,467 43,376 SH   SOLE   155 0 43,221
UNITEDHEALTH GROUP INC COM 91324P102   1,678,949 3,319 SH   SOLE   0 0 3,319
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   1,676,522 22,042 SH   SOLE   0 0 22,042
MICROSOFT CORP COM 594918104   1,566,324 3,716 SH   SOLE   0 0 3,716
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,530,875 34,118 SH   SOLE   809 0 33,309
SEMPRA COM 816851109   1,513,872 17,258 SH   SOLE   0 0 17,258
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   1,411,602 5,805 SH   SOLE   0 0 5,805
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   1,349,988 14,559 SH   SOLE   0 0 14,559
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,323,896 5,510 SH   SOLE   63 0 5,447
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,316,431 2,848 SH   SOLE   0 0 2,848
ISHARES TR CORE S&P SCP ETF 464287804   1,266,844 10,995 SH   SOLE   256 0 10,739
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,216,732 4,198 SH   SOLE   150 0 4,048
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,195,160 31,148 SH   SOLE   294 0 30,854
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,156,933 14,413 SH   SOLE   341 0 14,072
TE CONNECTIVITY PLC ORD SHS G87052109   1,023,093 7,156 SH   SOLE   0 0 7,156
AMERICAN EXPRESS CO COM 025816109   1,012,944 3,413 SH   SOLE   0 0 3,413
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   983,212 20,561 SH   SOLE   0 0 20,561
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   983,164 2,169 SH   SOLE   605 0 1,564
DEERE & CO COM 244199105   856,298 2,021 SH   SOLE   0 0 2,021
PROGRESSIVE CORP COM 743315103   845,584 3,529 SH   SOLE   0 0 3,529
COMCAST CORP NEW CL A 20030N101   836,131 22,279 SH   SOLE   0 0 22,279
HOME DEPOT INC COM 437076102   834,773 2,146 SH   SOLE   0 0 2,146
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   768,660 15,671 SH   SOLE   283 0 15,388
ISHARES TR JPMORGAN USD EMG 464288281   747,385 8,394 SH   SOLE   170 0 8,224
ISHARES TR BROAD USD HIGH 46435U853   727,853 19,784 SH   SOLE   469 0 19,315
ORACLE CORP COM 68389X105   672,726 4,037 SH   SOLE   0 0 4,037
AMAZON COM INC COM 023135106   669,798 3,053 SH   SOLE   0 0 3,053
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   669,386 51,531 SH   SOLE   852 0 50,679
MARSH & MCLENNAN COS INC COM 571748102   669,304 3,151 SH   SOLE   0 0 3,151
CHEVRON CORP NEW COM 166764100   650,800 4,493 SH   SOLE   0 0 4,493
BANK AMERICA CORP COM 060505104   630,990 14,357 SH   SOLE   0 0 14,357
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   588,142 10,109 SH   SOLE   240 0 9,869
ALPHABET INC CAP STK CL A 02079K305   582,098 3,075 SH   SOLE   0 0 3,075
AIR PRODS & CHEMS INC COM 009158106   573,989 1,979 SH   SOLE   0 0 1,979
METTLER TOLEDO INTERNATIONAL COM 592688105   572,682 468 SH   SOLE   0 0 468
NOVO-NORDISK A S ADR 670100205   560,850 6,520 SH   SOLE   0 0 6,520
MERCK & CO INC COM 58933Y105   555,397 5,583 SH   SOLE   0 0 5,583
HONEYWELL INTL INC COM 438516106   529,034 2,342 SH   SOLE   0 0 2,342
US BANCORP DEL COM NEW 902973304   514,507 10,757 SH   SOLE   0 0 10,757
ASML HOLDING N V N Y REGISTRY SHS N07059210   505,948 730 SH   SOLE   0 0 730
MARTIN MARIETTA MATLS INC COM 573284106   499,972 968 SH   SOLE   0 0 968
ELEVANCE HEALTH INC COM 036752103   494,326 1,340 SH   SOLE   0 0 1,340
SCHWAB CHARLES CORP COM 808513105   493,499 6,668 SH   SOLE   0 0 6,668
WILLIAMS COS INC COM 969457100   479,882 8,867 SH   SOLE   0 0 8,867
TEXAS INSTRS INC COM 882508104   479,088 2,555 SH   SOLE   0 0 2,555
TRAVELERS COMPANIES INC COM 89417E109   478,648 1,987 SH   SOLE   0 0 1,987
VISA INC COM CL A 92826C839   467,423 1,479 SH   SOLE   0 0 1,479
AUTODESK INC COM 052769106   454,882 1,539 SH   SOLE   0 0 1,539
JOHNSON & JOHNSON COM 478160104   442,971 3,063 SH   SOLE   0 0 3,063
EXXON MOBIL CORP COM 30231G102   440,929 4,099 SH   SOLE   0 0 4,099
CONOCOPHILLIPS COM 20825C104   437,836 4,415 SH   SOLE   0 0 4,415
AMERICAN TOWER CORP NEW COM 03027X100   435,049 2,372 SH   SOLE   0 0 2,372
ISHARES TR CORE S&P MCP ETF 464287507   426,637 6,847 SH   SOLE   0 0 6,847
RTX CORPORATION COM 75513E101   425,040 3,673 SH   SOLE   0 0 3,673
MCKESSON CORP COM 58155Q103   414,894 728 SH   SOLE   0 0 728
NORTHROP GRUMMAN CORP COM 666807102   412,037 878 SH   SOLE   0 0 878
EDISON INTL COM 281020107   403,591 5,055 SH   SOLE   0 0 5,055
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   398,484 7,919 SH   SOLE   194 0 7,725
AMGEN INC COM 031162100   398,258 1,528 SH   SOLE   0 0 1,528
SPDR SER TR PORTFOLIO S&P500 78464A854   388,433 5,634 SH   SOLE   0 0 5,634
META PLATFORMS INC CL A 30303M102   377,654 645 SH   SOLE   0 0 645
FRANKLIN COVEY CO COM 353469109   368,547 9,807 SH   SOLE   0 0 9,807
VERTEX PHARMACEUTICALS INC COM 92532F100   368,471 915 SH   SOLE   0 0 915
UNITED PARCEL SERVICE INC CL B 911312106   365,438 2,898 SH   SOLE   0 0 2,898
NVIDIA CORPORATION COM 67066G104   358,689 2,671 SH   SOLE   0 0 2,671
BECTON DICKINSON & CO COM 075887109   339,624 1,497 SH   SOLE   0 0 1,497
ISHARES TR CORE US AGGBD ET 464287226   330,989 3,416 SH   SOLE   0 0 3,416
NIKE INC CL B 654106103   324,322 4,286 SH   SOLE   0 0 4,286
SHERWIN WILLIAMS CO COM 824348106   316,475 931 SH   SOLE   0 0 931
HOWMET AEROSPACE INC COM 443201108   309,955 2,834 SH   SOLE   0 0 2,834
OTIS WORLDWIDE CORP COM 68902V107   309,503 3,342 SH   SOLE   0 0 3,342
ILLINOIS TOOL WKS INC COM 452308109   304,272 1,200 SH   SOLE   0 0 1,200
HALEON PLC SPON ADS 405552100   279,656 29,314 SH   SOLE   0 0 29,314
ABBVIE INC COM 00287Y109   279,167 1,571 SH   SOLE   0 0 1,571
CROWDSTRIKE HLDGS INC CL A 22788C105   265,516 776 SH   SOLE   0 0 776
VANGUARD INDEX FDS SM CP VAL ETF 922908611   255,544 1,289 SH   SOLE   0 0 1,289
CHARTER COMMUNICATIONS INC N CL A 16119P108   246,794 720 SH   SOLE   0 0 720
ISHARES TR CORE S&P TTL STK 464287150   233,708 1,817 SH   SOLE   0 0 1,817
L3HARRIS TECHNOLOGIES INC COM 502431109   231,518 1,101 SH   SOLE   0 0 1,101
TESLA INC COM 88160R101   225,747 559 SH   SOLE   0 0 559
ISHARES TR NATIONAL MUN ETF 464288414   212,301 1,992 SH   SOLE   0 0 1,992
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   34,854 12,814 SH   SOLE   0 0 12,814