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
ADOBE INC COM 00724F101   486,577 877 SH   SOLE 0 0 0 877
AIR PRODS & CHEMS INC COM 009158106   382,767 1,540 SH   SOLE 0 0 0 1,540
ALPHABET INC CAP STK CL A 02079K305   1,317,653 7,253 SH   SOLE 0 0 0 7,253
AMAZON COM INC COM 023135106   1,276,207 6,991 SH   SOLE 0 0 0 6,991
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   285,780 14,134 SH   SOLE 0 0 0 14,134
APOLLO COML REAL EST FIN INC COM 03762U105   366,043 33,644 SH   SOLE 0 0 0 33,644
APPLE INC COM 037833100   548,959 2,451 SH   SOLE 0 0 0 2,451
ARBOR REALTY TRUST INC COM 038923108   294,602 22,002 SH   SOLE 0 0 0 22,002
AUTODESK INC COM 052769106   390,699 1,593 SH   SOLE 0 0 0 1,593
BOOKING HOLDINGS INC COM 09857L108   1,125,907 288 SH   SOLE 0 0 0 288
CARMAX INC COM 143130102   613,600 7,595 SH   SOLE 0 0 0 7,595
CENCORA INC COM 03073E105   555,283 2,471 SH   SOLE 0 0 0 2,471
CHECK POINT SOFTWARE TECH LT ORD M22465104   602,952 3,537 SH   SOLE 0 0 0 3,537
CHEVRON CORP NEW COM 166764100   246,563 1,571 SH   SOLE 0 0 0 1,571
COSTCO WHSL CORP NEW COM 22160K105   362,375 428 SH   SOLE 0 0 0 428
CVS HEALTH CORP COM 126650100   247,669 4,246 SH   SOLE 0 0 0 4,246
DIAGEO PLC SPON ADR NEW 25243Q205   681,910 5,258 SH   SOLE 0 0 0 5,258
DISNEY WALT CO COM 254687106   523,739 5,564 SH   SOLE 0 0 0 5,564
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107   224,767 70,681 SH   SOLE 0 0 0 70,681
ECOLAB INC COM 278865100   276,158 1,121 SH   SOLE 0 0 0 1,121
ELEVANCE HEALTH INC COM 036752103   734,672 1,458 SH   SOLE 0 0 0 1,458
FISERV INC COM 337738108   345,813 2,180 SH   SOLE 0 0 0 2,180
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   2,992,542 76,418 SH   SOLE 0 0 0 76,418
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548   1,327,761 70,682 SH   SOLE 0 0 0 70,682
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   1,210,188 11,350 SH   SOLE 0 0 0 11,350
INVESCO QQQ TR UNIT SER 1 46090E103   437,964 908 SH   SOLE 0 0 0 908
IQVIA HLDGS INC COM 46266C105   1,114,816 4,546 SH   SOLE 0 0 0 4,546
IRON MTN INC DEL COM 46284V101   870,849 8,697 SH   SOLE 0 0 0 8,697
ISHARES TR CORE S&P500 ETF 464287200   216,279 388 SH   SOLE 0 0 0 388
ISHARES TR RUS 1000 ETF 464287622   2,778,024 9,143 SH   SOLE 0 0 0 9,143
ISHARES TR MSCI UK ETF NEW 46435G334   217,039 6,068 SH   SOLE 0 0 0 6,068
ISHARES TR TIPS BD ETF 464287176   6,958,615 64,925 SH   SOLE 0 0 0 64,925
ISHARES TR ISHS 1-5YR INVS 464288646   1,918,227 37,211 SH   SOLE 0 0 0 37,211
ISHARES TR EAFE VALUE ETF 464288877   311,412 5,650 SH   SOLE 0 0 0 5,650
ISHARES TR US HOME CONS ETF 464288752   1,071,748 9,240 SH   SOLE 0 0 0 9,240
ISHARES TR ISHS 5-10YR INVT 464288638   5,042,873 97,353 SH   SOLE 0 0 0 97,353
ISHARES TR RESIDENTIAL MULT 464288562   1,071,655 13,273 SH   SOLE 0 0 0 13,273
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,546,167 15,555 SH   SOLE 0 0 0 15,555
ISHARES TR BROAD USD HIGH 46435U853   210,234 5,716 SH   SOLE 0 0 0 5,716
ISHARES TR ROBOTICS ARTIF 46435U556   991,225 29,222 SH   SOLE 0 0 0 29,222
ISHARES TR SELF DRIVNG EV 46435U366   860,338 28,152 SH   SOLE 0 0 0 28,152
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   317,427 5,458 SH   SOLE 0 0 0 5,458
MASTERCARD INCORPORATED CL A 57636Q104   819,282 1,829 SH   SOLE 0 0 0 1,829
META PLATFORMS INC CL A 30303M102   1,015,254 2,083 SH   SOLE 0 0 0 2,083
MICROSOFT CORP COM 594918104   1,271,493 2,871 SH   SOLE 0 0 0 2,871
OFFICE PPTYS INCOME TR COM SHS BEN INT 67623C109   51,710 18,668 SH   SOLE 0 0 0 18,668
PACER FDS TR DATA AND INFRAST 69374H741   968,495 33,676 SH   SOLE 0 0 0 33,676
QUALCOMM INC COM 747525103   447,261 2,294 SH   SOLE 0 0 0 2,294
READY CAPITAL CORP COM 75574U101   167,826 18,183 SH   SOLE 0 0 0 18,183
SALESFORCE INC COM 79466L302   392,808 1,546 SH   SOLE 0 0 0 1,546
SCHWAB CHARLES CORP COM 808513105   805,166 12,435 SH   SOLE 0 0 0 12,435
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   3,649,131 51,600 SH   SOLE 0 0 0 51,600
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   4,220,233 46,679 SH   SOLE 0 0 0 46,679
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,024,788 43,848 SH   SOLE 0 0 0 43,848
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,255,073 29,127 SH   SOLE 0 0 0 29,127
SELECT SECTOR SPDR TR INDL 81369Y704   4,573,169 36,255 SH   SOLE 0 0 0 36,255
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,938,361 17,419 SH   SOLE 0 0 0 17,419
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   5,008,456 64,096 SH   SOLE 0 0 0 64,096
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   4,789,828 32,207 SH   SOLE 0 0 0 32,207
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,730,777 14,382 SH   SOLE 0 0 0 14,382
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   994,031 24,298 SH   SOLE 0 0 0 24,298
SPDR SER TR S&P DIVID ETF 78464A763   1,321,728 9,987 SH   SOLE 0 0 0 9,987
SPDR SER TR BBG CONV SEC ETF 78464A359   27,453,105 372,953 SH   SOLE 0 0 0 372,953
STARBUCKS CORP COM 855244109   543,275 7,097 SH   SOLE 0 0 0 7,097
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   999,334 5,901 SH   SOLE 0 0 0 5,901
UNITEDHEALTH GROUP INC COM 91324P102   473,633 848 SH   SOLE 0 0 0 848
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   259,976 10,738 SH   SOLE 0 0 0 10,738
VANECK ETF TRUST MORTGAGE REIT 92189F452   987,999 83,235 SH   SOLE 0 0 0 83,235
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,010,255 26,073 SH   SOLE 0 0 0 26,073
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,500,400 20,641 SH   SOLE 0 0 0 20,641
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   6,437,768 90,558 SH   SOLE 0 0 0 90,558
VANGUARD INDEX FDS VALUE ETF 922908744   338,509 2,041 SH   SOLE 0 0 0 2,041
VANGUARD INDEX FDS MID CAP ETF 922908629   372,554 1,485 SH   SOLE 0 0 0 1,485
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,043,747 11,635 SH   SOLE 0 0 0 11,635
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,416,669 5,172 SH   SOLE 0 0 0 5,172
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,574,977 32,628 SH   SOLE 0 0 0 32,628
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,252,706 81,299 SH   SOLE 0 0 0 81,299
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   421,440 7,182 SH   SOLE 0 0 0 7,182
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   327,664 7,148 SH   SOLE 0 0 0 7,148
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   411,415 8,097 SH   SOLE 0 0 0 8,097
VANGUARD WORLD FD INF TECH ETF 92204A702   212,660 364 SH   SOLE 0 0 0 364
VANGUARD WORLD FD EXTENDED DUR 921910709   11,889,742 162,096 SH   SOLE 0 0 0 162,096
VEEVA SYS INC CL A COM 922475108   231,132 1,236 SH   SOLE 0 0 0 1,236
VISA INC COM CL A 92826C839   713,179 2,664 SH   SOLE 0 0 0 2,664
WISDOMTREE TR US LARGECAP DIVD 97717W307   4,955,231 66,105 SH   SOLE 0 0 0 66,105
WISDOMTREE TR US SMALLCAP DIVD 97717W604   4,997,189 146,674 SH   SOLE 0 0 0 146,674
WP CAREY INC COM 92936U109   324,644 5,494 SH   SOLE 0 0 0 5,494