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
Estimated average burden
hours per response: 23.8
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   206,424 346 SH   SOLE   346 0 0
AIR PRODS & CHEMS INC COM 009158106   233,551 853 SH   SOLE   853 0 0
ALPHABET INC CAP STK CL A 02079K305   520,485 3,726 SH   SOLE   3,726 0 0
ALPHABET INC CAP STK CL C 02079K107   1,017,092 7,217 SH   SOLE   7,217 0 0
AMAZON COM INC COM 023135106   935,950 6,160 SH   SOLE   6,160 0 0
AMBEV SA SPONSORED ADR 02319V103   30,960 11,057 SH   SOLE   11,057 0 0
AMNEAL PHARMACEUTICALS INC COM STK CL A 03168L105   433,483 71,414 SH   SOLE   71,414 0 0
ANALOG DEVICES INC COM 032654105   441,597 2,224 SH   SOLE   2,224 0 0
APPLE INC COM 037833100   356,951 1,854 SH   SOLE   1,854 0 0
BANK AMERICA CORP COM 060505104   223,501 6,638 SH   SOLE   6,638 0 0
BANK NEW YORK MELLON CORP COM 064058100   469,335 9,017 SH   SOLE   9,017 0 0
BECTON DICKINSON & CO COM 075887109   410,854 1,685 SH   SOLE   1,685 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,085,250 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,035,102 5,706 SH   SOLE   5,706 0 0
BOOKING HOLDINGS INC COM 09857L108   1,138,658 321 SH   SOLE   321 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   246,493 4,804 SH   SOLE   4,804 0 0
CARMAX INC COM 143130102   544,470 7,095 SH   SOLE   7,095 0 0
CENCORA INC COM 03073E105   225,096 1,096 SH   SOLE   1,096 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104   239,116 1,565 SH   SOLE   1,565 0 0
CHEVRON CORP NEW COM 166764100   231,347 1,551 SH   SOLE   1,551 0 0
COMCAST CORP NEW CL A 20030N101   698,618 15,932 SH   SOLE   15,932 0 0
CONOCOPHILLIPS COM 20825C104   386,513 3,330 SH   SOLE   3,330 0 0
CVS HEALTH CORP COM 126650100   215,403 2,728 SH   SOLE   2,728 0 0
DBX ETF TR XTRACK USD HIGH 233051432   1,308,169 36,798 SH   SOLE   36,798 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,568,089 87,858 SH   SOLE   87,858 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   4,681,802 191,720 SH   SOLE   191,720 0 0
DISNEY WALT CO COM 254687106   236,650 2,621 SH   SOLE   2,621 0 0
EBAY INC. COM 278642103   351,839 8,066 SH   SOLE   8,066 0 0
ELEVANCE HEALTH INC COM 036752103   646,037 1,370 SH   SOLE   1,370 0 0
EVERSOURCE ENERGY COM 30040W108   229,352 3,716 SH   SOLE   3,716 0 0
EXXON MOBIL CORP COM 30231G102   581,884 5,820 SH   SOLE   5,820 0 0
FIDELITY NATL INFORMATION SV COM 31620M106   259,863 4,326 SH   SOLE   4,326 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   839,824 18,828 SH   SOLE   18,828 0 0
GENERAL DYNAMICS CORP COM 369550108   497,008 1,914 SH   SOLE   1,914 0 0
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   714,732 21,003 SH   SOLE   21,003 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,080,930 6,850 SH   SOLE   6,850 0 0
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V118   237,666 3,821 SH   SOLE   3,821 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   3,697,966 9,030 SH   SOLE   9,030 0 0
IQVIA HLDGS INC COM 46266C105   450,265 1,946 SH   SOLE   1,946 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   324,228 5,055 SH   SOLE   5,055 0 0
ISHARES TR CORE MSCI INTL 46435G326   314,162 4,935 SH   SOLE   4,935 0 0
ISHARES TR 20 YR TR BD ETF 464287432   611,375 6,183 SH   SOLE   6,183 0 0
ISHARES TR TIPS BD ETF 464287176   358,587 3,336 SH   SOLE   3,336 0 0
ISHARES TR SELECT DIVID ETF 464287168   419,648 3,580 SH   SOLE   3,580 0 0
ISHARES TR MBS ETF 464288588   1,318,061 14,010 SH   SOLE   14,010 0 0
ISHARES TR 10+ YR INVST GRD 464289511   723,961 13,740 SH   SOLE   13,740 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   1,303,257 16,702 SH   SOLE   16,702 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   521,159 7,516 SH   SOLE   7,516 0 0
ISHARES TR CORE MSCI EAFE 46432F842   625,482 8,891 SH   SOLE   8,891 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   4,708,774 32,002 SH   SOLE   32,002 0 0
ISHARES TR CORE DIV GRWTH 46434V621   391,541 7,275 SH   SOLE   7,275 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191   549,828 9,716 SH   SOLE   9,716 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852   1,193,751 25,985 SH   SOLE   25,985 0 0
JOHNSON & JOHNSON COM 478160104   321,004 2,048 SH   SOLE   2,048 0 0
JPMORGAN CHASE & CO COM 46625H100   897,958 5,279 SH   SOLE   5,279 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   90,273 37,771 SH   SOLE   37,771 0 0
LOCKHEED MARTIN CORP COM 539830109   248,829 549 SH   SOLE   549 0 0
MASTERCARD INCORPORATED CL A 57636Q104   403,052 945 SH   SOLE   945 0 0
MCKESSON CORP COM 58155Q103   327,790 708 SH   SOLE   708 0 0
MEDTRONIC PLC SHS G5960L103   338,170 4,105 SH   SOLE   4,105 0 0
META PLATFORMS INC CL A 30303M102   1,140,459 3,222 SH   SOLE   3,222 0 0
MICROSOFT CORP COM 594918104   1,109,694 2,951 SH   SOLE   2,951 0 0
NEW YORK CMNTY BANCORP INC COM 649445103   452,043 44,188 SH   SOLE   44,188 0 0
NOVARTIS AG SPONSORED ADR 66987V109   476,578 4,720 SH   SOLE   4,720 0 0
OMNICOM GROUP INC COM 681919106   214,545 2,480 SH   SOLE   2,480 0 0
ORACLE CORP COM 68389X105   811,706 7,699 SH   SOLE   7,699 0 0
PHILIP MORRIS INTL INC COM 718172109   749,347 7,965 SH   SOLE   7,965 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775   595,563 6,442 SH   SOLE   6,442 0 0
QUALCOMM INC COM 747525103   275,954 1,908 SH   SOLE   1,908 0 0
SANOFI SPONSORED ADR 80105N105   407,338 8,191 SH   SOLE   8,191 0 0
SCHWAB CHARLES CORP COM 808513105   873,898 12,702 SH   SOLE   12,702 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,595,213 101,531 SH   SOLE   101,531 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4,640,188 136,436 SH   SOLE   136,436 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   340,797 717 SH   SOLE   717 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   35,163,308 384,761 SH   SOLE   384,761 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   5,937,245 91,258 SH   SOLE   91,258 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   5,967,334 127,972 SH   SOLE   127,972 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   466,265 15,657 SH   SOLE   15,657 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   903,369 21,417 SH   SOLE   21,417 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,307,038 32,473 SH   SOLE   32,473 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   316,784 3,046 SH   SOLE   3,046 0 0
UNILEVER PLC SPON ADR NEW 904767704   414,795 8,556 SH   SOLE   8,556 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   1,422,452 49,425 SH   SOLE   49,425 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   477,721 18,845 SH   SOLE   18,845 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   2,451,221 32,867 SH   SOLE   32,867 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,447,597 32,045 SH   SOLE   32,045 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   577,127 11,691 SH   SOLE   11,691 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,926,601 21,804 SH   SOLE   21,804 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,406,508 50,674 SH   SOLE   50,674 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709   2,408,050 29,718 SH   SOLE   29,718 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801   1,789,615 9,422 SH   SOLE   9,422 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   1,952,037 21,158 SH   SOLE   21,158 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   1,832,617 15,626 SH   SOLE   15,626 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   1,926,338 8,739 SH   SOLE   8,739 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   1,416,158 4,650 SH   SOLE   4,650 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   2,168,952 18,424 SH   SOLE   18,424 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   2,178,000 4,500 SH   SOLE   4,500 0 0
VISA INC COM CL A 92826C839   759,441 2,917 SH   SOLE   2,917 0 0
WELLS FARGO CO NEW COM 949746101   619,926 12,595 SH   SOLE   12,595 0 0