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
ABBOTT LABS COM COM 002824100   346,703 3,150 SH   SOLE   3,149 0 0
ABBVIE INC COM COM 00287Y109   589,182 3,802 SH   SOLE   3,801 0 0
ACCENTURE PLC IRELAND SHS CLASS A CL A G1151C101   311,608 888 SH   SOLE   888 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305   1,130,030 8,090 SH   SOLE   8,089 0 0
AMAZON COM INC COM COM 023135106   1,372,150 9,031 SH   SOLE   9,030 0 0
AMERIPRISE FINL INC COM COM 03076C106   1,209,402 3,184 SH   SOLE   3,184 0 0
AMPHENOL CORP NEW CL A CL A 032095101   779,476 7,863 SH   SOLE   7,863 0 0
APPLE INC COM COM 037833100   5,567,029 28,915 SH   SOLE   28,915 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702   407,303 1,142 SH   SOLE   1,141 0 0
BROADCOM INC COM COM 11135F101   1,052,041 942 SH   SOLE   942 0 0
CHEVRON CORP NEW COM COM 166764100   457,248 3,065 SH   SOLE   3,065 0 0
CISCO SYS INC COM COM 17275R102   1,000,584 19,806 SH   SOLE   19,805 0 0
COCA COLA CO COM COM 191216100   796,315 13,513 SH   SOLE   13,512 0 0
COMCAST CORP NEW CL A CL A 20030N101   242,351 5,527 SH   SOLE   5,526 0 0
DISNEY WALT CO COM COM 254687106   833,260 9,229 SH   SOLE   9,228 0 0
EATON CORP PLC SHS SHS G29183103   304,396 1,264 SH   SOLE   1,264 0 0
EDISON INTL COM COM 281020107   272,019 3,805 SH   SOLE   3,805 0 0
ELEVANCE HEALTH INC COM COM 036752103   424,404 900 SH   SOLE   900 0 0
ELI LILLY & CO COM COM 532457108   526,707 904 SH   SOLE   903 0 0
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506   331,281 3,951 SH   SOLE   3,951 0 0
EOG RES INC COM COM 26875P101   732,145 6,053 SH   SOLE   6,053 0 0
EXXON MOBIL CORP COM COM 30231G102   2,191,750 21,922 SH   SOLE   21,921 0 0
FINANCIAL SELECT SECTOR SPDR FUND FINANCIAL 81369Y605   228,414 6,075 SH   SOLE   6,074 0 0
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF TCW OPPORTUNIS 33740F805   1,625,792 36,449 SH   SOLE   36,448 0 0
FORD MTR CO DEL COM COM 345370860   200,844 16,476 SH   SOLE   16,476 0 0
HOME DEPOT INC COM COM 437076102   394,963 1,140 SH   SOLE   1,139 0 0
HONEYWELL INTL INC COM COM 438516106   889,205 4,240 SH   SOLE   4,240 0 0
INVESCO PREFERRED ETF PFD ETF 46138E511   240,956 21,008 SH   SOLE   21,007 0 0
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF S&P500 EQL TEC 46137V282   725,439 22,225 SH   SOLE   22,225 0 0
INVESCO S&P 500 REVENUE ETF S&P 500 REVENUE 46138G698   238,877 2,799 SH   SOLE   2,799 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 5-10YR INVT 464288638   627,016 12,058 SH   SOLE   12,058 0 0
ISHARES BIOTECHNOLOGY ETF ISHARES BIOTECH 464287556   233,422 1,718 SH   SOLE   1,718 0 0
ISHARES CONVERTIBLE BOND ETF CONV BD ETF 46435G102   254,396 3,237 SH   SOLE   3,237 0 0
ISHARES CORE 10 YEAR USD BOND ETF CORE LT USDB ETF 464289479   14,673,027 279,061 SH   SOLE   279,061 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834   1,789,950 27,567 SH   SOLE   27,567 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507   12,035,172 43,425 SH   SOLE   43,424 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150   493,703 4,692 SH   SOLE   4,691 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226   9,276,465 93,466 SH   SOLE   93,465 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF MSCI EAFE MIN VL 46429B689   630,670 9,095 SH   SOLE   9,095 0 0
ISHARES MSCI FRANCE ETF MSCI FRANCE ETF 464286707   214,511 5,475 SH   SOLE   5,475 0 0
ISHARES MSCI GERMANY ETF MSCI GERMANY ETF 464286806   274,722 9,253 SH   SOLE   9,253 0 0
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF MSCI GBL MIN VOL 464286525   459,503 4,579 SH   SOLE   4,579 0 0
ISHARES MSCI ITALY ETF MSCI ITALY ETF 46434G830   305,302 8,998 SH   SOLE   8,998 0 0
ISHARES MSCI JAPAN ETF MSCI JPN ETF NEW 46434G822   205,505 3,204 SH   SOLE   3,204 0 0
ISHARES MSCI UNITED KINGDOM ETF MSCI UK ETF NEW 46435G334   213,701 6,466 SH   SOLE   6,466 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697   1,984,150 25,428 SH   SOLE   25,428 0 0
ISHARES RUSSELL MIDCAP ETF RUS MID CAP ETF 464287499   235,414 3,029 SH   SOLE   3,028 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158   1,009,420 9,574 SH   SOLE   9,574 0 0
ISHARES U.S. TECHNOLOGY ETF U.S. TECH ETF 464287721   484,238 3,945 SH   SOLE   3,944 0 0
ISHARES US & INTL HIGH YIELD CORP BOND ETF US INTL HGH YLD 464286178   6,194,203 140,030 SH   SOLE   140,030 0 0
JABIL INC COM COM 466313103   462,257 3,628 SH   SOLE   3,628 0 0
JOHNSON & JOHNSON COM COM 478160104   551,220 3,517 SH   SOLE   3,516 0 0
JPMORGAN CHASE & CO COM COM 46625H100   830,390 4,882 SH   SOLE   4,881 0 0
LENNAR CORP CL A CL A 526057104   740,458 4,968 SH   SOLE   4,968 0 0
LOWES COS INC COM COM 548661107   276,630 1,243 SH   SOLE   1,243 0 0
MASTERCARD INCORPORATED CL A COM 57636Q104   1,205,111 2,826 SH   SOLE   2,825 0 0
MCDONALDS CORP COM CL A 580135101   545,452 1,840 SH   SOLE   1,839 0 0
MERCK & CO INC COM COM 58933Y105   1,150,867 10,556 SH   SOLE   10,556 0 0
META PLATFORMS INC CL A CL A 30303M102   344,057 972 SH   SOLE   972 0 0
MICROSOFT CORP COM COM 594918104   3,044,123 8,095 SH   SOLE   8,095 0 0
NETFLIX INC COM COM 64110L106   265,350 545 SH   SOLE   545 0 0
NVIDIA CORPORATION COM COM 67066G104   506,658 1,023 SH   SOLE   1,023 0 0
PFIZER INC COM COM 717081103   797,614 27,705 SH   SOLE   27,704 0 0
PROCTER AND GAMBLE CO COM COM 742718109   1,065,967 7,274 SH   SOLE   7,274 0 0
RESMED INC COM S&P 500 DV ARIST 761152107   726,989 4,226 SH   SOLE   4,226 0 0
SAIA INC COM COM 78709Y105   302,372 690 SH   SOLE   690 0 0
SCHWAB FUNDAMENTAL US SMALL CO. INDEX ETF SCHWAB FDT US SC 808524763   12,399,689 224,023 SH   SOLE   224,023 0 0
SCHWAB INTERMEDIATE-TERM US TREASURY ETF COM 808524854   3,643,830 73,287 SH   SOLE   73,287 0 0
SCHWAB U.S. MID-CAP ETF INT-TRM U.S TRES 808524508   1,037,236 13,771 SH   SOLE   13,771 0 0
SCHWAB U.S. SMALL-CAP ETF US MID-CAP ETF 808524607   1,153,605 24,420 SH   SOLE   24,420 0 0
SPDR BLACKSTONE SENIOR LOAN ETF US SML CAP ETF 78467V608   6,234,284 148,683 SH   SOLE   148,683 0 0
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF BLACKSTONE SENR 78464A284   251,052 9,923 SH   SOLE   9,923 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF NUVEEN BLOOMBERG 78463X509   11,013,166 311,019 SH   SOLE   311,018 0 0
SPDR PORTFOLIO HIGH YIELD BOND ETF PORTFOLIO EMG MK 78468R606   15,410,661 659,139 SH   SOLE   659,138 0 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF PORTFLI HIGH YLD 78464A375   1,535,886 46,783 SH   SOLE   46,783 0 0
SPDR PORTFOLIO INTERMEDIATE TERM TREASURY ETF PORTFOLIO INTRMD 78464A672   851,572 29,817 SH   SOLE   29,816 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF PORTFLI INTRMDIT 78464A409   8,540,597 131,273 SH   SOLE   131,272 0 0
SPDR S&P 500 ETF TRUST PRTFLO S&P500 GW 78462F103   539,497 1,135 SH   SOLE   1,135 0 0
TESLA INC COM COM 88160R101   1,205,815 4,853 SH   SOLE   4,852 0 0
TJX COS INC NEW COM COM 872540109   778,363 8,297 SH   SOLE   8,297 0 0
UNITED PARCEL SERVICE INC CL B COM 911312106   764,045 4,859 SH   SOLE   4,859 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102   487,437 926 SH   SOLE   925 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF CL B 921946885   5,909,816 92,703 SH   SOLE   92,703 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF EM MK GOV BD ETF 92206C771   2,949,191 63,615 SH   SOLE   63,615 0 0
VANGUARD RUSSELL 1000 ETF MTG-BKD SECS ETF 92206C730   45,861,529 211,402 SH   SOLE   211,401 0 0
VANGUARD SHORT-TERM BOND ETF VNG RUS1000IDX 921937827   279,351 3,627 SH   SOLE   3,626 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF SHORT TRM BOND 92206C409   1,312,783 16,968 SH   SOLE   16,967 0 0
VANGUARD TAX-EXEMPT BOND ETF SHRT TRM CORP BD 922907746   1,067,507 20,911 SH   SOLE   20,911 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF TAX EXEMPT BD 92203J407   248,602 5,036 SH   SOLE   5,036 0 0
VANGUARD VALUE ETF TOTAL INT BD ETF 922908744   23,956,017 160,241 SH   SOLE   160,240 0 0
VISA INC COM CL A VALUE ETF 92826C839   1,110,572 4,266 SH   SOLE   4,265 0 0
WEC ENERGY GROUP INC COM COM 92939U106   200,745 2,385 SH   SOLE   2,385 0 0
WISDOMTREE INTERNATIONAL HIGH DIVIDEND FUND EMER MKT HIGH FD 97717W802   586,016 15,068 SH   SOLE   15,068 0 0
WISDOMTREE U.S. LARGECAP DIVIDEND FUND ITL HIGH DIV FD 97717W307   709,337 10,686 SH   SOLE   10,686 0 0
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND US LARGECAP DIVD 97717W604   349,205 10,855 SH   SOLE   10,855 0 0
WP CAREY INC COM US SMALLCAP DIVD 92936U109   1,849,427 28,536 SH   SOLE   28,536 0 0
XTRACKERS MSCI EAFE HEDGED EQUITY ETF COM 233051200   11,984,981 324,094 SH   SOLE   324,093 0 0