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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
3M CO COM 88579Y101   330,599 2,561 SH   SOLE   2,561 0 0
ABBVIE INC COM 00287Y109   1,081,838 6,088 SH   SOLE   6,088 0 0
ADOBE INC COM 00724F101   278,370 626 SH   SOLE   626 0 0
ALPHABET INC CAP STK CL C 02079K107   585,793 3,076 SH   SOLE   3,076 0 0
ALPHABET INC CAP STK CL A 02079K305   911,290 4,814 SH   SOLE   4,814 0 0
AMAZON COM INC COM 023135106   815,692 3,718 SH   SOLE   3,718 0 0
AMERICAN CENTY ETF TR QUALITY PREFER 025072539   4,420,703 122,905 SH   SOLE   122,905 0 0
AMGEN INC COM 031162100   431,620 1,656 SH   SOLE   1,656 0 0
APPLE INC COM 037833100   26,235,077 104,764 SH   SOLE   104,764 0 0
AT&T INC COM 00206R102   265,985 11,681 SH   SOLE   11,681 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   586,631 2,004 SH   SOLE   2,004 0 0
AVNET INC COM 053807103   274,314 5,243 SH   SOLE   5,243 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   520,819 1,149 SH   SOLE   1,149 0 0
BROADCOM INC COM 11135F101   1,534,317 6,618 SH   SOLE   6,618 0 0
CATERPILLAR INC COM 149123101   688,518 1,898 SH   SOLE   1,898 0 0
CHEVRON CORP NEW COM 166764100   519,396 3,586 SH   SOLE   3,586 0 0
CISCO SYS INC COM 17275R102   897,250 15,156 SH   SOLE   15,156 0 0
CITIGROUP INC COM NEW 172967424   314,080 4,462 SH   SOLE   4,462 0 0
COCA COLA CO COM 191216100   418,425 6,721 SH   SOLE   6,721 0 0
COLGATE PALMOLIVE CO COM 194162103   337,731 3,715 SH   SOLE   3,715 0 0
COMCAST CORP NEW CL A 20030N101   381,192 10,157 SH   SOLE   10,157 0 0
COMMERCIAL METALS CO COM 201723103   220,472 4,445 SH   SOLE   4,445 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,346,917 1,470 SH   SOLE   1,470 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   223,088 652 SH   SOLE   652 0 0
DICKS SPORTING GOODS INC COM 253393102   234,561 1,025 SH   SOLE   1,025 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   474,704 5,288 SH   SOLE   5,288 0 0
DISNEY WALT CO COM 254687106   830,003 7,454 SH   SOLE   7,454 0 0
ELI LILLY & CO COM 532457108   848,428 1,099 SH   SOLE   1,099 0 0
EMCOR GROUP INC COM 29084Q100   264,624 583 SH   SOLE   583 0 0
EMERSON ELEC CO COM 291011104   332,380 2,682 SH   SOLE   2,682 0 0
EXXON MOBIL CORP COM 30231G102   814,735 7,574 SH   SOLE   7,574 0 0
GENWORTH FINL INC COM SHS 37247D106   217,962 31,182 SH   SOLE   31,182 0 0
GILEAD SCIENCES INC COM 375558103   306,207 3,315 SH   SOLE   3,315 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376   300,842 12,763 SH   SOLE   12,763 0 0
GROUP 1 AUTOMOTIVE INC COM 398905109   534,015 1,267 SH   SOLE   1,267 0 0
HOME DEPOT INC COM 437076102   1,345,516 3,459 SH   SOLE   3,459 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   407,565 1,854 SH   SOLE   1,854 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   1,029,597 43,627 SH   SOLE   43,627 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   262,319 11,435 SH   SOLE   11,435 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   1,009,173 42,816 SH   SOLE   42,816 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   623,354 26,719 SH   SOLE   26,719 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   1,067,460 43,552 SH   SOLE   43,552 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   540,059 3,082 SH   SOLE   3,082 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   652,903 16,185 SH   SOLE   16,185 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   5,715,299 11,180 SH   SOLE   11,180 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   751,854 4,222 SH   SOLE   4,222 0 0
ISHARES TR SHORT TREAS BD 464288679   10,050,881 91,280 SH   SOLE   91,280 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   450,292 5,914 SH   SOLE   5,914 0 0
ISHARES TR MSCI EAFE ETF 464287465   29,825,269 394,462 SH   SOLE   394,462 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   8,931,757 77,298 SH   SOLE   77,298 0 0
ISHARES TR SELECT DIVID ETF 464287168   440,842 3,358 SH   SOLE   3,358 0 0
ISHARES TR CORE S&P MCP ETF 464287507   469,132 7,529 SH   SOLE   7,529 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,907,713 4,939 SH   SOLE   4,939 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   48,290,350 260,846 SH   SOLE   260,846 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   53,553,377 133,357 SH   SOLE   133,357 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   27,564,159 124,747 SH   SOLE   124,747 0 0
ISHARES TR CORE S&P SCP ETF 464287804   298,083 2,587 SH   SOLE   2,587 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   324,896 3,200 SH   SOLE   3,200 0 0
ISHARES TR NATIONAL MUN ETF 464288414   2,858,500 26,828 SH   SOLE   26,828 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   445,557 2,714 SH   SOLE   2,714 0 0
ISHARES TR S&P 100 ETF 464287101   632,004 2,188 SH   SOLE   2,188 0 0
JABIL INC COM 466313103   277,583 1,929 SH   SOLE   1,929 0 0
JOHNSON & JOHNSON COM 478160104   794,108 5,491 SH   SOLE   5,491 0 0
JPMORGAN CHASE & CO. COM 46625H100   2,067,499 8,625 SH   SOLE   8,625 0 0
LAZARD INC COM 52110M109   2,510,268 48,762 SH   SOLE   48,762 0 0
LOCKHEED MARTIN CORP COM 539830109   645,328 1,328 SH   SOLE   1,328 0 0
LOWES COS INC COM 548661107   404,270 1,638 SH   SOLE   1,638 0 0
MARRIOTT INTL INC NEW CL A 571903202   226,499 812 SH   SOLE   812 0 0
MASTERCARD INCORPORATED CL A 57636Q104   496,029 942 SH   SOLE   942 0 0
MCDONALDS CORP COM 580135101   625,003 2,156 SH   SOLE   2,156 0 0
MERCK & CO INC COM 58933Y105   508,243 5,109 SH   SOLE   5,109 0 0
META PLATFORMS INC CL A 30303M102   566,774 968 SH   SOLE   968 0 0
MICROSOFT CORP COM 594918104   2,553,075 6,057 SH   SOLE   6,057 0 0
MORGAN STANLEY COM NEW 617446448   342,838 2,727 SH   SOLE   2,727 0 0
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   2,586,714 108,503 SH   SOLE   108,503 0 0
NEXTERA ENERGY INC COM 65339F101   442,399 6,171 SH   SOLE   6,171 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   418,212 4,872 SH   SOLE   4,872 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   382,046 9,704 SH   SOLE   9,704 0 0
NVIDIA CORPORATION COM 67066G104   1,019,876 7,595 SH   SOLE   7,595 0 0
OLD REP INTL CORP COM 680223104   205,632 5,682 SH   SOLE   5,682 0 0
ORACLE CORP COM 68389X105   482,423 2,895 SH   SOLE   2,895 0 0
OWENS CORNING NEW COM 690742101   207,279 1,217 SH   SOLE   1,217 0 0
PEPSICO INC COM 713448108   503,118 3,309 SH   SOLE   3,309 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635   5,181,404 114,989 SH   SOLE   114,989 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   365,238 3,640 SH   SOLE   3,640 0 0
PRICE T ROWE GROUP INC COM 74144T108   244,953 2,166 SH   SOLE   2,166 0 0
PROCTER AND GAMBLE CO COM 742718109   870,125 5,190 SH   SOLE   5,190 0 0
PRUDENTIAL FINL INC COM 744320102   231,963 1,957 SH   SOLE   1,957 0 0
QUALCOMM INC COM 747525103   416,925 2,714 SH   SOLE   2,714 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604   312,968 1,465 SH   SOLE   1,465 0 0
RELIANCE INC COM 759509102   279,492 1,038 SH   SOLE   1,038 0 0
S&P GLOBAL INC COM 78409V104   583,691 1,172 SH   SOLE   1,172 0 0
SANMINA CORPORATION COM 801056102   242,825 3,209 SH   SOLE   3,209 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,279,475 46,833 SH   SOLE   46,833 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,543,554 239,152 SH   SOLE   239,152 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   490,488 21,607 SH   SOLE   21,607 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   318,020 17,190 SH   SOLE   17,190 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   969,321 34,981 SH   SOLE   34,981 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,228,588 47,509 SH   SOLE   47,509 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   379,240 1,631 SH   SOLE   1,631 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   1,784,039 4,193 SH   SOLE   4,193 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   11,606,553 19,804 SH   SOLE   19,804 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   3,913,802 6,871 SH   SOLE   6,871 0 0
SPDR SER TR SPDR S&P SMALLCA 78468R481   213,241 6,786 SH   SOLE   6,786 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   10,769,002 138,259 SH   SOLE   138,259 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,371,206 50,036 SH   SOLE   50,036 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   3,072,505 33,605 SH   SOLE   33,605 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   4,466,024 99,422 SH   SOLE   99,422 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   544,582 7,624 SH   SOLE   7,624 0 0
TAYLOR MORRISON HOME CORP COM 87724P106   279,913 4,573 SH   SOLE   4,573 0 0
TD SYNNEX CORPORATION COM 87162W100   241,010 2,055 SH   SOLE   2,055 0 0
TESLA INC COM 88160R101   301,668 747 SH   SOLE   747 0 0
TEXAS INSTRS INC COM 882508104   1,295,429 6,909 SH   SOLE   6,909 0 0
THE CIGNA GROUP COM 125523100   495,947 1,796 SH   SOLE   1,796 0 0
UNITED PARCEL SERVICE INC CL B 911312106   245,265 1,945 SH   SOLE   1,945 0 0
UNITED STATES STL CORP NEW COM 912909108   288,677 8,493 SH   SOLE   8,493 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,662,256 3,286 SH   SOLE   3,286 0 0
UNUM GROUP COM 91529Y106   279,121 3,822 SH   SOLE   3,822 0 0
US BANCORP DEL COM NEW 902973304   422,052 8,824 SH   SOLE   8,824 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   331,401 4,609 SH   SOLE   4,609 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   270,708 3,039 SH   SOLE   3,039 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,195,813 9,139 SH   SOLE   9,139 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   498,738 3,083 SH   SOLE   3,083 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,872,280 6,460 SH   SOLE   6,460 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   800,202 1,485 SH   SOLE   1,485 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,475,002 7,443 SH   SOLE   7,443 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   600,819 2,275 SH   SOLE   2,275 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   944,537 3,722 SH   SOLE   3,722 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   14,836,150 190,183 SH   SOLE   190,183 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   493,506 1,900 SH   SOLE   1,900 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   331,355 1,692 SH   SOLE   1,692 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,878,940 164,762 SH   SOLE   164,762 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   321,670 8,044 SH   SOLE   8,044 0 0
VISA INC COM CL A 92826C839   1,418,388 4,488 SH   SOLE   4,488 0 0
WALMART INC COM 931142103   652,959 7,227 SH   SOLE   7,227 0 0
WILLIAMS SONOMA INC COM 969904101   328,324 1,773 SH   SOLE   1,773 0 0
WINTRUST FINL CORP COM 97650W108   302,048 2,422 SH   SOLE   2,422 0 0
XPO INC COM 983793100   225,053 1,716 SH   SOLE   1,716 0 0