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
ALPHABET INC CAP STK CL C 02079K107   233,230 1,395 SH   SOLE   0 0 1,395
AMAZON COM INC COM 023135106   271,296 1,456 SH   SOLE   0 0 1,456
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   9,957,558 177,372 SH   SOLE   0 0 177,372
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   7,301,929 110,921 SH   SOLE   0 0 110,921
APPLE INC COM 037833100   681,758 2,926 SH   SOLE   0 0 2,926
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   741,160 14,982 SH   SOLE   0 0 14,982
CME GROUP INC COM 12572Q105   2,082,936 9,440 SH   SOLE   0 0 9,440
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   289,103 45,528 SH   SOLE   0 0 45,528
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417   493,748 13,700 SH   SOLE   0 0 13,700
INVESCO EXCH TRADED FD TR II S&P SMLCAP QTY 46138G300   3,679,866 85,005 SH   SOLE   0 0 85,005
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   304,931 14,438 SH   SOLE   0 0 14,438
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   223,640 10,830 SH   SOLE   0 0 10,830
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   206,182 10,541 SH   SOLE   0 0 10,541
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   200,335 10,159 SH   SOLE   0 0 10,159
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   205,497 9,995 SH   SOLE   0 0 9,995
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   201,042 8,100 SH   SOLE   0 0 8,100
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   200,818 8,200 SH   SOLE   0 0 8,200
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   201,790 8,500 SH   SOLE   0 0 8,500
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   200,218 8,491 SH   SOLE   0 0 8,491
ISHARES INC CORE MSCI EMKT 46434G103   4,811,302 83,806 SH   SOLE   0 0 83,806
ISHARES INC MSCI EMRG CHN 46434G764   4,386,659 71,783 SH   SOLE   0 0 71,783
ISHARES TR CORE HIGH DV ETF 46429B663   5,252,321 44,655 SH   SOLE   0 0 44,655
ISHARES TR CORE MSCI EAFE 46432F842   9,297,316 119,120 SH   SOLE   0 0 119,120
ISHARES TR CORE S&P US GWT 464287671   5,472,682 41,488 SH   SOLE   0 0 41,488
ISHARES TR CORE S&P US VLU 464287663   7,288,656 76,329 SH   SOLE   0 0 76,329
ISHARES TR MSCI USA QLT FCT 46432F339   6,715,861 37,456 SH   SOLE   0 0 37,456
ISHARES TR CORE S&P500 ETF 464287200   13,436,445 23,294 SH   SOLE   0 0 23,294
ISHARES TR CORE S&P MCP ETF 464287507   4,284,251 68,746 SH   SOLE   0 0 68,746
ISHARES TR SP SMCP600VL ETF 464287879   3,652,150 33,923 SH   SOLE   0 0 33,923
ISHARES TR 1 3 YR TREAS BD 464287457   794,498 9,555 SH   SOLE   0 0 9,555
ISHARES TR SHORT TREAS BD 464288679   1,466,843 13,259 SH   SOLE   0 0 13,259
ISHARES TR 7-10 YR TRSY BD 464287440   9,608,793 97,929 SH   SOLE   0 0 97,929
ISHARES TR IBONDS DEC24 ETF 46434VBG4   799,611 31,718 SH   SOLE   0 0 31,718
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,055,063 81,875 SH   SOLE   0 0 81,875
ISHARES TR IBONDS DEC2026 46435GAA0   2,331,196 95,934 SH   SOLE   0 0 95,934
ISHARES TR IBONDS 27 ETF 46435UAA9   2,255,054 92,534 SH   SOLE   0 0 92,534
ISHARES TR IBONDS DEC 25 46435U432   1,344,384 50,427 SH   SOLE   0 0 50,427
ISHARES TR IBONDS DEC 26 46435U259   1,094,391 42,658 SH   SOLE   0 0 42,658
ISHARES TR IBONDS DEC 27 46435U283   752,277 29,559 SH   SOLE   0 0 29,559
ISHARES TR IBONDS 25 TRM TS 46436E866   964,459 41,181 SH   SOLE   0 0 41,181
ISHARES TR IBONDS 26 TRM TS 46436E858   1,150,067 49,862 SH   SOLE   0 0 49,862
ISHARES TR IBONDS 27 TRM TS 46436E841   1,340,445 59,220 SH   SOLE   0 0 59,220
ISHARES TR IBDS DEC28 ETF 46435U515   1,401,929 54,913 SH   SOLE   0 0 54,913
ISHARES TR IBONDS 28 TRM TS 46436E833   1,177,067 52,302 SH   SOLE   0 0 52,302
ISHARES TR IBONDS DEC 29 46436E205   571,246 24,298 SH   SOLE   0 0 24,298
ISHARES TR IBONDS 29 TRM TS 46436E825   514,251 23,264 SH   SOLE   0 0 23,264
ISHARES TR IBONDS 24 TRM TS 46436E874   468,192 19,508 SH   SOLE   0 0 19,508
ISHARES TR IBONDS DEC 46435U697   751,550 28,795 SH   SOLE   0 0 28,795
ISHARES TR CORE S&P SCP ETF 464287804   536,379 4,586 SH   SOLE   0 0 4,586
ISHARES TR MSCI USA VALUE 46432F388   343,912 3,154 SH   SOLE   0 0 3,154
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   4,756,258 61,866 SH   SOLE   0 0 61,866
J P MORGAN EXCHANGE TRADED F U S TECH LEADERS 46654Q732   6,757,128 98,400 SH   SOLE   0 0 98,400
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   9,832,496 141,597 SH   SOLE   0 0 141,597
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   6,234,131 103,557 SH   SOLE   0 0 103,557
META PLATFORMS INC CL A 30303M102   257,026 449 SH   SOLE   0 0 449
MICROSOFT CORP COM 594918104   728,068 1,692 SH   SOLE   0 0 1,692
NVIDIA CORPORATION COM 67066G104   521,099 4,291 SH   SOLE   0 0 4,291
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   364,598 3,621 SH   SOLE   0 0 3,621
PIMCO ETF TR MULTISECTOR BD 72201R585   1,378,231 51,716 SH   SOLE   0 0 51,716
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300   5,356,066 141,172 SH   SOLE   0 0 141,172