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   365,947 1,795 SH   SOLE   0 0 1,795
AFLAC INC COM 001055102   298,216 2,846 SH   SOLE   0 0 2,846
ALPHABET INC CAP STK CL A 02079K305   552,408 3,228 SH   SOLE   0 0 3,228
ALPHABET INC CAP STK CL C 02079K107   377,673 2,187 SH   SOLE   0 0 2,187
AMAZON COM INC COM 023135106   906,090 4,861 SH   SOLE   0 0 4,861
AMERICAN EXPRESS CO COM 025816109   282,774 1,047 SH   SOLE   0 0 1,047
AON PLC SHS CL A G0403H108   203,613 555 SH   SOLE   0 0 555
APPLE INC COM 037833100   4,052,957 17,941 SH   SOLE   0 0 17,941
APPLIED MATLS INC COM 038222105   227,883 1,255 SH   SOLE   0 0 1,255
AT&T INC COM 00206R102   245,558 10,894 SH   SOLE   0 0 10,894
BANK AMERICA CORP COM 060505104   387,755 9,272 SH   SOLE   0 0 9,272
BANK NEW YORK MELLON CORP COM 064058100   223,066 2,960 SH   SOLE   0 0 2,960
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   683,820 1,516 SH   SOLE   0 0 1,516
BLACKSTONE INC COM 09260D107   419,375 2,500 SH   SOLE   0 0 2,500
BROADCOM INC COM 11135F101   218,839 1,289 SH   SOLE   0 0 1,289
CAMTEK LTD ORD M20791105   348,234 4,377 SH   SOLE   0 0 4,377
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   331,279 9,215 SH   SOLE   0 0 9,215
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   6,935,884 199,135 SH   SOLE   0 0 199,135
CATERPILLAR INC COM 149123101   582,358 1,548 SH   SOLE   0 0 1,548
CHEVRON CORP NEW COM 166764100   245,404 1,649 SH   SOLE   0 0 1,649
CISCO SYS INC COM 17275R102   257,748 4,706 SH   SOLE   0 0 4,706
COSTCO WHSL CORP NEW COM 22160K105   969,466 1,109 SH   SOLE   0 0 1,109
CSX CORP COM 126408103   266,126 7,911 SH   SOLE   0 0 7,911
DANAHER CORPORATION COM 235851102   500,773 2,038 SH   SOLE   0 0 2,038
DEERE & CO COM 244199105   215,295 532 SH   SOLE   0 0 532
DUKE ENERGY CORP NEW COM NEW 26441C204   248,292 2,154 SH   SOLE   0 0 2,154
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   6,101,598 101,473 SH   SOLE   0 0 101,473
HOME DEPOT INC COM 437076102   275,231 699 SH   SOLE   0 0 699
HONEYWELL INTL INC COM 438516106   466,071 2,266 SH   SOLE   0 0 2,266
INTERNATIONAL BUSINESS MACHS COM 459200101   1,236,392 5,981 SH   SOLE   0 0 5,981
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   5,002,197 124,247 SH   SOLE   0 0 124,247
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   7,363,762 120,459 SH   SOLE   0 0 120,459
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   5,037,586 138,167 SH   SOLE   0 0 138,167
ISHARES TR CORE S&P500 ETF 464287200   370,735 649 SH   SOLE   0 0 649
ISHARES TR CORE S&P SCP ETF 464287804   13,777,480 120,940 SH   SOLE   0 0 120,940
ISHARES TR EAFE GRWTH ETF 464288885   6,638,594 65,833 SH   SOLE   0 0 65,833
ISHARES TR ESG AWR MSCI USA 46435G425   201,245 1,615 SH   SOLE   0 0 1,615
ISHARES TR S&P 500 VAL ETF 464287408   225,977 1,161 SH   SOLE   0 0 1,161
ISHARES TR FLTG RATE NT ETF 46429B655   6,945,235 136,101 SH   SOLE   0 0 136,101
ISHARES TR NATIONAL MUN ETF 464288414   247,239 2,310 SH   SOLE   0 0 2,310
ISHARES TR US AER DEF ETF 464288760   254,341 1,761 SH   SOLE   0 0 1,761
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   3,147,564 62,763 SH   SOLE   0 0 62,763
JOHNSON & JOHNSON COM 478160104   356,808 2,232 SH   SOLE   0 0 2,232
JPMORGAN CHASE & CO. COM 46625H100   573,068 2,582 SH   SOLE   0 0 2,582
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   3,163,088 62,623 SH   SOLE   0 0 62,623
LINDE PLC SHS G54950103   215,759 473 SH   SOLE   0 0 473
LOCKHEED MARTIN CORP COM 539830109   200,127 366 SH   SOLE   0 0 366
MARRIOTT INTL INC NEW CL A 571903202   513,540 1,975 SH   SOLE   0 0 1,975
MASTERCARD INCORPORATED CL A 57636Q104   214,709 430 SH   SOLE   0 0 430
MCDONALDS CORP COM 580135101   499,492 1,710 SH   SOLE   0 0 1,710
MCKESSON CORP COM 58155Q103   207,244 414 SH   SOLE   0 0 414
MERCK & CO INC COM 58933Y105   270,534 2,644 SH   SOLE   0 0 2,644
META PLATFORMS INC CL A 30303M102   559,634 986 SH   SOLE   0 0 986
MICROSOFT CORP COM 594918104   2,154,852 5,303 SH   SOLE   0 0 5,303
NVIDIA CORPORATION COM 67066G104   259,944 1,958 SH   SOLE   0 0 1,958
PEPSICO INC COM 713448108   928,262 5,589 SH   SOLE   0 0 5,589
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   310,698 3,086 SH   SOLE   0 0 3,086
PROCTER AND GAMBLE CO COM 742718109   508,424 3,078 SH   SOLE   0 0 3,078
PROGRESSIVE CORP COM 743315103   214,419 883 SH   SOLE   0 0 883
RTX CORPORATION COM 75513E101   478,152 3,952 SH   SOLE   0 0 3,952
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   6,539,601 231,654 SH   SOLE   0 0 231,654
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   237,831 2,584 SH   SOLE   0 0 2,584
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   3,416,913 36,588 SH   SOLE   0 0 36,588
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   548,952 2,470 SH   SOLE   0 0 2,470
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   261,705 3,275 SH   SOLE   0 0 3,275
SHERWIN WILLIAMS CO COM 824348106   226,384 631 SH   SOLE   0 0 631
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   8,101,236 227,053 SH   SOLE   0 0 227,053
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,389,519 134,034 SH   SOLE   0 0 134,034
SPDR SER TR S&P 400 MDCP GRW 78464A821   4,451,297 51,371 SH   SOLE   0 0 51,371
SPDR SER TR AEROSPACE DEF 78464A631   5,349,504 34,782 SH   SOLE   0 0 34,782
SPDR SER TR PORTFOLIO INTRMD 78464A375   23,899,526 723,132 SH   SOLE   0 0 723,132
SPDR SER TR PRTFLO S&P500 GW 78464A409   7,514,516 91,229 SH   SOLE   0 0 91,229
T-MOBILE US INC COM 872590104   234,987 1,053 SH   SOLE   0 0 1,053
TEXAS INSTRS INC COM 882508104   566,816 2,790 SH   SOLE   0 0 2,790
TJX COS INC NEW COM 872540109   201,759 1,785 SH   SOLE   0 0 1,785
UNION PAC CORP COM 907818108   502,377 2,165 SH   SOLE   0 0 2,165
VANGUARD INDEX FDS GROWTH ETF 922908736   2,505,348 6,543 SH   SOLE   0 0 6,543
VANGUARD INDEX FDS VALUE ETF 922908744   15,838,354 91,998 SH   SOLE   0 0 91,998
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   882,207 18,944 SH   SOLE   0 0 18,944
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,583,825 31,613 SH   SOLE   0 0 31,613
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   461,797 3,614 SH   SOLE   0 0 3,614
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   401,282 768 SH   SOLE   0 0 768
VANGUARD INDEX FDS MID CAP ETF 922908629   318,142 1,211 SH   SOLE   0 0 1,211
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   364,267 1,494 SH   SOLE   0 0 1,494
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   7,844,049 171,230 SH   SOLE   0 0 171,230
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   210,834 615 SH   SOLE   0 0 615
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   221,029 1,175 SH   SOLE   0 0 1,175
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   200,544 2,583 SH   SOLE   0 0 2,583
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   203,970 2,601 SH   SOLE   0 0 2,601
VANGUARD INDEX FDS SMALL CP ETF 922908751   391,162 1,660 SH   SOLE   0 0 1,660
VANGUARD INDEX FDS SM CP VAL ETF 922908611   347,502 1,748 SH   SOLE   0 0 1,748
VANGUARD INDEX FDS SML CP GRW ETF 922908595   254,299 953 SH   SOLE   0 0 953
VANGUARD STAR FDS VG TL INTL STK F 921909768   257,234 4,159 SH   SOLE   0 0 4,159
VERIZON COMMUNICATIONS INC COM 92343V104   255,529 6,065 SH   SOLE   0 0 6,065
VISA INC COM CL A 92826C839   507,388 1,751 SH   SOLE   0 0 1,751
WASTE MGMT INC DEL COM 94106L109   312,982 1,450 SH   SOLE   0 0 1,450
WISDOMTREE TR YIELD ENHANCD US 97717X511   214,243 4,924 SH   SOLE   0 0 4,924
WISDOMTREE TR CURRNCY INT EQ 97717X263   236,145 6,825 SH   SOLE   0 0 6,825
WISDOMTREE TR US QTLY DIV GRT 97717X669   331,034 4,037 SH   SOLE   0 0 4,037
WISDOMTREE TR US TOTAL DIVIDND 97717W109   245,618 3,217 SH   SOLE   0 0 3,217
YUM BRANDS INC COM 988498101   246,712 1,881 SH   SOLE   0 0 1,881