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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
ABBOTT LABS COM 002824100   1,617,442 14,300 SH   SOLE   0 0 14,300
ALPHABET INC CAP STK CL C 02079K107   1,422,783 7,471 SH   SOLE   0 0 7,471
ALPHABET INC CAP STK CL A 02079K305   2,797,388 14,778 SH   SOLE   0 0 14,778
AMAZON COM INC COM 023135106   9,174,232 41,817 SH   SOLE   0 0 41,817
ANALOG DEVICES INC COM 032654105   815,471 3,838 SH   SOLE   0 0 3,838
APPLE INC COM 037833100   24,891,056 99,397 SH   SOLE   0 0 99,397
ASSURANT INC COM 04621X108   703,413 3,299 SH   SOLE   0 0 3,299
BECTON DICKINSON & CO COM 075887109   297,921 1,313 SH   SOLE   0 0 1,313
BERKLEY W R CORP COM 084423102   3,778,534 64,568 SH   SOLE   0 0 64,568
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,227,784 7,121 SH   SOLE   0 0 7,121
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,361,840 200 SH   SOLE   0 0 200
BOSTON BEER INC CL A 100557107   1,951,970 6,507 SH   SOLE   0 0 6,507
CANADIAN PACIFIC KANSAS CITY COM 13646K108   654,659 9,046 SH   SOLE   0 0 9,046
CATERPILLAR INC COM 149123101   3,907,314 10,771 SH   SOLE   0 0 10,771
CISCO SYS INC COM 17275R102   663,064 11,200 SH   SOLE   0 0 11,200
COLGATE PALMOLIVE CO COM 194162103   284,128 3,125 SH   SOLE   0 0 3,125
COMCAST CORP NEW CL A 20030N101   214,585 5,718 SH   SOLE   0 0 5,718
CURTISS WRIGHT CORP COM 231561101   349,056 984 SH   SOLE   0 0 984
DECKERS OUTDOOR CORP COM 243537107   3,611,346 17,782 SH   SOLE   0 0 17,782
DELL TECHNOLOGIES INC CL C 24703L202   288,105 2,500 SH   SOLE   0 0 2,500
DISNEY WALT CO COM 254687106   6,059,398 54,418 SH   SOLE   0 0 54,418
DOMINOS PIZZA INC COM 25754A201   8,125,074 19,356 SH   SOLE   0 0 19,356
EXXON MOBIL CORP COM 30231G102   238,440 2,217 SH   SOLE   0 0 2,217
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   1,835,623 67,936 SH   SOLE   0 0 67,936
GE AEROSPACE COM NEW 369604301   207,953 1,247 SH   SOLE   0 0 1,247
GILEAD SCIENCES INC COM 375558103   230,677 2,497 SH   SOLE   0 0 2,497
HP INC COM 40434L105   459,063 14,069 SH   SOLE   0 0 14,069
INTERNATIONAL BUSINESS MACHS COM 459200101   308,159 1,402 SH   SOLE   0 0 1,402
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   327,097 10,043 SH   SOLE   0 0 10,043
INVESCO QQQ TR UNIT SER 1 46090E103   20,810,209 40,706 SH   SOLE   0 0 40,706
ISHARES INC MSCI CDA ETF 464286509   345,680 8,578 SH   SOLE   0 0 8,578
ISHARES TR S&P 500 VAL ETF 464287408   9,885,727 51,790 SH   SOLE   0 0 51,790
ISHARES TR RUS MDCP VAL ETF 464287473   19,616,706 151,668 SH   SOLE   0 0 151,668
ISHARES TR SP SMCP600VL ETF 464287879   9,707,287 89,377 SH   SOLE   0 0 89,377
ISHARES TR S&P MC 400GR ETF 464287606   5,367,802 59,032 SH   SOLE   0 0 59,032
ISHARES TR RUS 1000 GRW ETF 464287614   1,502,511 3,741 SH   SOLE   0 0 3,741
ISHARES TR CORE S&P SCP ETF 464287804   3,485,855 30,254 SH   SOLE   0 0 30,254
ISHARES TR S&P 500 GRWT ETF 464287309   4,753,657 46,820 SH   SOLE   0 0 46,820
ISHARES TR COHEN STEER REIT 464287564   5,927,561 98,366 SH   SOLE   0 0 98,366
ISHARES TR MSCI EAFE ETF 464287465   3,280,838 43,392 SH   SOLE   0 0 43,392
ISHARES TR 7-10 YR TRSY BD 464287440   2,193,608 23,728 SH   SOLE   0 0 23,728
ISHARES TR CORE S&P500 ETF 464287200   18,265,952 31,029 SH   SOLE   0 0 31,029
ISHARES TR CORE S&P MCP ETF 464287507   15,696,998 251,918 SH   SOLE   0 0 251,918
ISHARES TR S&P MC 400VL ETF 464287705   11,366,028 90,957 SH   SOLE   0 0 90,957
ISHARES TR CORE S&P US VLU 464287663   4,383,769 47,346 SH   SOLE   0 0 47,346
ISHARES TR S&P SML 600 GWT 464287887   5,093,260 37,625 SH   SOLE   0 0 37,625
ISHARES TR TIPS BD ETF 464287176   8,014,444 75,218 SH   SOLE   0 0 75,218
ISHARES TR MSCI EAFE MIN VL 46429B689   5,846,415 82,682 SH   SOLE   0 0 82,682
ISHARES TR MORNINGSTR US EQ 464287127   631,128 7,776 SH   SOLE   0 0 7,776
ISHARES TR NORTH AMERN NAT 464287374   1,095,277 25,633 SH   SOLE   0 0 25,633
ISHARES TR YLD OPTIM BD 46434V787   682,069 30,772 SH   SOLE   0 0 30,772
ISHARES TR EXPND TEC SC ETF 464287549   5,995,586 58,728 SH   SOLE   0 0 58,728
ISHARES TR RUS 1000 VAL ETF 464287598   4,088,966 22,087 SH   SOLE   0 0 22,087
ISHARES TR MSCI EMG MKT ETF 464287234   3,293,662 78,758 SH   SOLE   0 0 78,758
ISHARES TR CORE US AGGBD ET 464287226   2,615,136 26,988 SH   SOLE   0 0 26,988
ISHARES TR CORE S&P US GWT 464287671   829,638 5,954 SH   SOLE   0 0 5,954
ISHARES TR U.S. TECH ETF 464287721   446,975 2,802 SH   SOLE   0 0 2,802
ISHARES TR 1 3 YR TREAS BD 464287457   374,455 4,568 SH   SOLE   0 0 4,568
ISHARES TR ISHARES BIOTECH 464287556   231,749 1,753 SH   SOLE   0 0 1,753
ISHARES TR S&P 100 ETF 464287101   739,078 2,559 SH   SOLE   0 0 2,559
ISHARES TR RUS MID CAP ETF 464287499   3,558,674 40,256 SH   SOLE   0 0 40,256
ISHARES TR RUS 1000 ETF 464287622   409,504 1,271 SH   SOLE   0 0 1,271
ISHARES TR SELECT DIVID ETF 464287168   1,978,003 15,066 SH   SOLE   0 0 15,066
ISHARES TR U.S. PHARMA ETF 464288836   831,748 12,656 SH   SOLE   0 0 12,656
ISHARES TR RUS 2000 VAL ETF 464287630   2,512,564 15,305 SH   SOLE   0 0 15,305
ISHARES TR MRGSTR MD CP GRW 464288307   341,402 4,520 SH   SOLE   0 0 4,520
JOHNSON & JOHNSON COM 478160104   2,529,270 17,489 SH   SOLE   0 0 17,489
JPMORGAN CHASE & CO. COM 46625H100   412,290 1,720 SH   SOLE   0 0 1,720
LOWES COS INC COM 548661107   232,020 940 SH   SOLE   0 0 940
MCDONALDS CORP COM 580135101   238,647 823 SH   SOLE   0 0 823
MERCK & CO INC COM 58933Y105   681,332 6,849 SH   SOLE   0 0 6,849
META PLATFORMS INC CL A 30303M102   1,536,141 2,624 SH   SOLE   0 0 2,624
MICROSOFT CORP COM 594918104   5,028,754 11,931 SH   SOLE   0 0 11,931
MOODYS CORP COM 615369105   1,157,390 2,445 SH   SOLE   0 0 2,445
NEWELL BRANDS INC COM 651229106   149,887 15,049 SH   SOLE   0 0 15,049
NVIDIA CORPORATION COM 67066G104   949,513 7,071 SH   SOLE   0 0 7,071
OMNICOM GROUP INC COM 681919106   726,883 8,448 SH   SOLE   0 0 8,448
PAYCHEX INC COM 704326107   1,114,923 7,951 SH   SOLE   0 0 7,951
PEPSICO INC COM 713448108   5,694,532 37,449 SH   SOLE   0 0 37,449
PFIZER INC COM 717081103   1,237,278 46,637 SH   SOLE   0 0 46,637
PIMCO ETF TR ACTIVE BD ETF 72201R775   686,736 7,595 SH   SOLE   0 0 7,595
PJT PARTNERS INC COM CL A 69343T107   6,074,728 38,494 SH   SOLE   0 0 38,494
PROCTER AND GAMBLE CO COM 742718109   2,304,052 13,743 SH   SOLE   0 0 13,743
PROSHARES TR PSHS ULT S&P 500 74347R107   13,855,953 149,778 SH   SOLE   0 0 149,778
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   205,610 2,434 SH   SOLE   0 0 2,434
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,104,504 79,028 SH   SOLE   0 0 79,028
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   1,150,082 47,348 SH   SOLE   0 0 47,348
SCHWAB STRATEGIC TR US TIPS ETF 808524870   14,778,429 572,142 SH   SOLE   0 0 572,142
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   6,952,075 268,835 SH   SOLE   0 0 268,835
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   15,528,136 560,380 SH   SOLE   0 0 560,380
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,255,512 99,362 SH   SOLE   0 0 99,362
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,046,170 174,554 SH   SOLE   0 0 174,554
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   527,502 15,884 SH   SOLE   0 0 15,884
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,063,621 38,164 SH   SOLE   0 0 38,164
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   504,273 2,169 SH   SOLE   0 0 2,169
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,131,372 36,556 SH   SOLE   0 0 36,556
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   300,880 6,226 SH   SOLE   0 0 6,226
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,938,467 5,014 SH   SOLE   0 0 5,014
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,683,085 4,711 SH   SOLE   0 0 4,711
SPDR SER TR PRTFLO S&P500 GW 78464A409   5,134,348 58,411 SH   SOLE   0 0 58,411
SPDR SER TR PORTFOLIO S&P600 78468R853   6,671,509 148,520 SH   SOLE   0 0 148,520
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,850,600 21,298 SH   SOLE   0 0 21,298
SPDR SER TR S&P BIOTECH 78464A870   2,129,777 23,648 SH   SOLE   0 0 23,648
SPDR SER TR PRTFLO S&P500 VL 78464A508   4,759,508 93,068 SH   SOLE   0 0 93,068
SPDR SER TR GLB DOW ETF 78464A706   1,648,721 12,487 SH   SOLE   0 0 12,487
SPDR SER TR S&P DIVID ETF 78464A763   3,285,268 24,870 SH   SOLE   0 0 24,870
SPDR SER TR S&P 600 SMCP GRW 78464A201   292,019 3,232 SH   SOLE   0 0 3,232
UNITEDHEALTH GROUP INC COM 91324P102   894,071 1,767 SH   SOLE   0 0 1,767
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   3,278,632 8,957 SH   SOLE   0 0 8,957
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,518,876 140,758 SH   SOLE   0 0 140,758
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   757,713 9,806 SH   SOLE   0 0 9,806
VANGUARD INDEX FDS TOTAL STK MKT 922908769   13,007,949 44,884 SH   SOLE   0 0 44,884
VANGUARD INDEX FDS SM CP VAL ETF 922908611   29,224,364 147,464 SH   SOLE   0 0 147,464
VANGUARD INDEX FDS SML CP GRW ETF 922908595   17,398,153 62,123 SH   SOLE   0 0 62,123
VANGUARD INDEX FDS MID CAP ETF 922908629   12,044,739 45,602 SH   SOLE   0 0 45,602
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,494,606 39,230 SH   SOLE   0 0 39,230
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   15,505,185 95,847 SH   SOLE   0 0 95,847
VANGUARD INDEX FDS SMALL CP ETF 922908751   12,450,500 51,817 SH   SOLE   0 0 51,817
VANGUARD INDEX FDS GROWTH ETF 922908736   1,626,561 3,963 SH   SOLE   0 0 3,963
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   5,353,831 21,099 SH   SOLE   0 0 21,099
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,129,873 25,656 SH   SOLE   0 0 25,656
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,109,165 9,441 SH   SOLE   0 0 9,441
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   16,452,369 210,901 SH   SOLE   0 0 210,901
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   15,493,346 79,116 SH   SOLE   0 0 79,116
VANGUARD STAR FDS VG TL INTL STK F 921909768   535,097 9,080 SH   SOLE   0 0 9,080
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   394,763 8,255 SH   SOLE   0 0 8,255
VANGUARD WORLD FD ENERGY ETF 92204A306   1,173,060 9,670 SH   SOLE   0 0 9,670
VANGUARD WORLD FD INF TECH ETF 92204A702   4,065,276 6,538 SH   SOLE   0 0 6,538
VISA INC COM CL A 92826C839   252,731 800 SH   SOLE   0 0 800
VULCAN MATLS CO COM 929160109   453,061 1,761 SH   SOLE   0 0 1,761
WALMART INC COM 931142103   1,173,952 12,993 SH   SOLE   0 0 12,993
XERIS BIOPHARMA HOLDINGS INC COM 98422E103   89,767 26,480 SH   SOLE   0 0 26,480