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
ABBVIE INC COM 00287Y109   333,435 1,944 SH   SOLE   0 0 1,944
ADOBE INC COM 00724F101   221,660 399 SH   SOLE   0 0 399
AFLAC INC COM 001055102   604,014 6,763 SH   SOLE   0 0 6,763
ALPHABET INC CAP STK CL A 02079K305   2,460,709 13,509 SH   SOLE   0 0 13,509
ALTRIA GROUP INC COM 02209S103   943,818 20,720 SH   SOLE   0 0 20,720
AMAZON COM INC COM 023135106   2,374,857 12,289 SH   SOLE   0 0 12,289
AMGEN INC COM 031162100   862,549 2,761 SH   SOLE   0 0 2,761
APPLE INC COM 037833100   5,196,062 24,670 SH   SOLE   0 0 24,670
APPLIED MATLS INC COM 038222105   401,541 1,702 SH   SOLE   0 0 1,702
BROADCOM INC COM 11135F101   1,877,903 11,696 SH   SOLE   0 0 11,696
BUILDERS FIRSTSOURCE INC COM 12008R107   821,879 5,938 SH   SOLE   0 0 5,938
CADENCE DESIGN SYSTEM INC COM 127387108   776,453 2,523 SH   SOLE   0 0 2,523
CARRIER GLOBAL CORPORATION COM 14448C104   387,627 6,145 SH   SOLE   0 0 6,145
CATERPILLAR INC COM 149123101   498,104 1,495 SH   SOLE   0 0 1,495
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   276,625 4,068 SH   SOLE   0 0 4,068
COMCAST CORP NEW CL A 20030N101   759,302 19,390 SH   SOLE   0 0 19,390
CONSOLIDATED EDISON INC COM 209115104   389,734 4,358 SH   SOLE   0 0 4,358
CORNERSTONE STRATEGIC VALUE COM 21924B302   181,635 23,589 SH   SOLE   0 0 23,589
CORNING INC COM 219350105   270,668 6,967 SH   SOLE   0 0 6,967
COSTCO WHSL CORP NEW COM 22160K105   220,147 259 SH   SOLE   0 0 259
DIAMONDBACK ENERGY INC COM 25278X109   372,115 1,859 SH   SOLE   0 0 1,859
ELI LILLY & CO COM 532457108   585,859 647 SH   SOLE   0 0 647
EVEREST GROUP LTD COM G3223R108   473,724 1,243 SH   SOLE   0 0 1,243
EXPEDITORS INTL WASH INC COM 302130109   397,966 3,189 SH   SOLE   0 0 3,189
EXXON MOBIL CORP COM 30231G102   445,465 3,870 SH   SOLE   0 0 3,870
FEDEX CORP COM 31428X106   861,668 2,874 SH   SOLE   0 0 2,874
GE AEROSPACE COM NEW 369604301   401,421 2,525 SH   SOLE   0 0 2,525
GENERAL MLS INC COM 370334104   454,606 7,186 SH   SOLE   0 0 7,186
GILEAD SCIENCES INC COM 375558103   1,246,161 18,163 SH   SOLE   0 0 18,163
ISHARES GOLD TR ISHARES NEW 464285204   224,922 5,120 SH   SOLE   0 0 5,120
ISHARES INC CORE MSCI EMKT 46434G103   815,340 15,231 SH   SOLE   0 0 15,231
ISHARES TR 0-5YR HI YL CP 46434V407   2,344,547 55,558 SH   SOLE   0 0 55,558
ISHARES TR 1 3 YR TREAS BD 464287457   1,495,175 18,312 SH   SOLE   0 0 18,312
ISHARES TR CORE MSCI EAFE 46432F842   1,854,015 25,523 SH   SOLE   0 0 25,523
ISHARES TR CORE S&P500 ETF 464287200   564,134 1,031 SH   SOLE   0 0 1,031
ISHARES TR JPMORGAN USD EMG 464288281   216,245 2,444 SH   SOLE   0 0 2,444
ISHARES TR US TREAS BD ETF 46429B267   7,469,899 330,966 SH   SOLE   0 0 330,966
ISHARES TR MSCI USA MMENTM 46432F396   1,236,094 6,343 SH   SOLE   0 0 6,343
ISHARES TR MSCI USA MIN VOL 46429B697   1,558,090 18,558 SH   SOLE   0 0 18,558
ISHARES TR IBOXX INV CP ETF 464287242   2,952,467 27,562 SH   SOLE   0 0 27,562
ISHARES TR ISHS 1-5YR INVS 464288646   519,266 10,134 SH   SOLE   0 0 10,134
ISHARES TR ISHS 5-10YR INVT 464288638   2,995,021 58,428 SH   SOLE   0 0 58,428
ISHARES TR MSCI USA QLT FCT 46432F339   204,738 1,199 SH   SOLE   0 0 1,199
ISHARES TR USD INV GRDE ETF 464288620   4,172,710 83,105 SH   SOLE   0 0 83,105
ISHARES TR 3 7 YR TREAS BD 464288661   4,058,105 35,144 SH   SOLE   0 0 35,144
ISHARES TR 10-20 YR TRS ETF 464288653   1,232,769 12,004 SH   SOLE   0 0 12,004
ISHARES TR S&P 500 VAL ETF 464287408   385,227 2,117 SH   SOLE   0 0 2,117
ISHARES TR S&P 500 GRWT ETF 464287309   344,801 3,726 SH   SOLE   0 0 3,726
ISHARES TR CORE S&P MCP ETF 464287507   394,132 6,735 SH   SOLE   0 0 6,735
JOHNSON & JOHNSON COM 478160104   235,902 1,614 SH   SOLE   0 0 1,614
JPMORGAN CHASE & CO. COM 46625H100   869,111 4,297 SH   SOLE   0 0 4,297
KLA CORP COM NEW 482480100   697,782 846 SH   SOLE   0 0 846
LAM RESEARCH CORP COM 512807108   200,192 188 SH   SOLE   0 0 188
LENNAR CORP CL A 526057104   496,439 3,312 SH   SOLE   0 0 3,312
MARSH & MCLENNAN COS INC COM 571748102   1,137,106 5,396 SH   SOLE   0 0 5,396
MASTERCARD INCORPORATED CL A 57636Q104   321,606 729 SH   SOLE   0 0 729
META PLATFORMS INC CL A 30303M102   1,487,495 2,950 SH   SOLE   0 0 2,950
MICROSOFT CORP COM 594918104   6,593,199 14,752 SH   SOLE   0 0 14,752
NEXTERA ENERGY INC COM 65339F101   2,224,921 31,421 SH   SOLE   0 0 31,421
NORTHROP GRUMMAN CORP COM 666807102   392,355 900 SH   SOLE   0 0 900
NVIDIA CORPORATION COM 67066G104   3,230,805 26,152 SH   SOLE   0 0 26,152
OMEGA HEALTHCARE INVS INC COM 681936100   376,214 10,984 SH   SOLE   0 0 10,984
OMNICOM GROUP INC COM 681919106   383,614 4,277 SH   SOLE   0 0 4,277
PBF ENERGY INC CL A 69318G106   553,602 12,030 SH   SOLE   0 0 12,030
PFIZER INC COM 717081103   930,592 33,259 SH   SOLE   0 0 33,259
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   8,636,687 85,809 SH   SOLE   0 0 85,809
PRICE T ROWE GROUP INC COM 74144T108   527,675 4,576 SH   SOLE   0 0 4,576
PROCTER AND GAMBLE CO COM 742718109   2,288,053 13,874 SH   SOLE   0 0 13,874
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   494,822 6,714 SH   SOLE   0 0 6,714
QUALCOMM INC COM 747525103   685,184 3,440 SH   SOLE   0 0 3,440
RTX CORPORATION COM 75513E101   463,300 4,615 SH   SOLE   0 0 4,615
SCHWAB STRATEGIC TR US TIPS ETF 808524870   298,121 5,732 SH   SOLE   0 0 5,732
SEMPRA COM 816851109   260,975 3,431 SH   SOLE   0 0 3,431
SKYWORKS SOLUTIONS INC COM 83088M102   206,390 1,936 SH   SOLE   0 0 1,936
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   234,264 6,678 SH   SOLE   0 0 6,678
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   200,888 7,096 SH   SOLE   0 0 7,096
SPDR S&P 500 ETF TR TR UNIT 78462F103   688,655 1,265 SH   SOLE   0 0 1,265
SPDR SER TR BLOOMBERG HIGH Y 78468R622   276,871 2,937 SH   SOLE   0 0 2,937
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,782,977 54,760 SH   SOLE   0 0 54,760
SPDR SER TR PORTFOLIO S&P600 78468R853   328,170 7,902 SH   SOLE   0 0 7,902
SPDR SER TR PORTFOLIO LN TSR 78464A664   512,738 18,837 SH   SOLE   0 0 18,837
SPDR SER TR PORTFLI INTRMDIT 78464A672   530,867 18,946 SH   SOLE   0 0 18,946
SPDR SER TR PORT MTG BK ETF 78464A383   474,195 21,984 SH   SOLE   0 0 21,984
SPDR SER TR PORTFLI HIGH YLD 78468R606   211,927 9,123 SH   SOLE   0 0 9,123
SPDR SER TR PORTFOLIO CRPORT 78464A144   462,759 16,124 SH   SOLE   0 0 16,124
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   227,993 5,740 SH   SOLE   0 0 5,740
STEEL DYNAMICS INC COM 858119100   396,855 3,065 SH   SOLE   0 0 3,065
SUPER MICRO COMPUTER INC COM 86800U104   452,420 552 SH   SOLE   0 0 552
SYNCHRONY FINANCIAL COM 87165B103   542,779 11,502 SH   SOLE   0 0 11,502
TESLA INC COM 88160R101   490,902 2,481 SH   SOLE   0 0 2,481
TEXAS INSTRS INC COM 882508104   273,898 1,408 SH   SOLE   0 0 1,408
THE CIGNA GROUP COM 125523100   619,070 1,873 SH   SOLE   0 0 1,873
TYSON FOODS INC CL A 902494103   210,609 3,686 SH   SOLE   0 0 3,686
UNITED RENTALS INC COM 911363109   239,937 371 SH   SOLE   0 0 371
UNITEDHEALTH GROUP INC COM 91324P102   200,139 393 SH   SOLE   0 0 393
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,481,061 20,556 SH   SOLE   0 0 20,556
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   328,676 4,676 SH   SOLE   0 0 4,676
VANGUARD BD INDEX FDS INTERMED TERM 921937819   322,776 4,310 SH   SOLE   0 0 4,310
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   758,410 9,888 SH   SOLE   0 0 9,888
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,916,533 80,471 SH   SOLE   0 0 80,471
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   601,230 3,562 SH   SOLE   0 0 3,562
VANGUARD INDEX FDS GROWTH ETF 922908736   599,538 1,603 SH   SOLE   0 0 1,603
VANGUARD INDEX FDS MID CAP ETF 922908629   236,532 977 SH   SOLE   0 0 977
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,877,401 8,178 SH   SOLE   0 0 8,178
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,037,538 13,545 SH   SOLE   0 0 13,545
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,015,274 8,028 SH   SOLE   0 0 8,028
VANGUARD INDEX FDS SMALL CP ETF 922908751   366,961 1,683 SH   SOLE   0 0 1,683
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,039,614 4,156 SH   SOLE   0 0 4,156
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,367,362 12,970 SH   SOLE   0 0 12,970
VANGUARD INDEX FDS VALUE ETF 922908744   453,800 2,829 SH   SOLE   0 0 2,829
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   957,339 19,723 SH   SOLE   0 0 19,723
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   882,507 11,041 SH   SOLE   0 0 11,041
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   5,819,159 128,175 SH   SOLE   0 0 128,175
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   591,459 11,968 SH   SOLE   0 0 11,968
VANGUARD WORLD FD MEGA GRWTH IND 921910816   9,045,173 28,787 SH   SOLE   0 0 28,787
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   6,304,285 53,201 SH   SOLE   0 0 53,201
VERIZON COMMUNICATIONS INC COM 92343V104   1,083,179 26,265 SH   SOLE   0 0 26,265
VERTEX PHARMACEUTICALS INC COM 92532F100   803,386 1,714 SH   SOLE   0 0 1,714
VICI PPTYS INC COM 925652109   536,100 18,719 SH   SOLE   0 0 18,719
VISTRA CORP COM 92840M102   729,414 8,484 SH   SOLE   0 0 8,484
WILLIAMS SONOMA INC COM 969904101   554,643 3,928 SH   SOLE   0 0 3,928