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
ALPHABET INC CAP STK CL A 02079K305   304,864 1,838 SH   SOLE   0 0 1,838
AMAZON COM INC COM 023135106   1,089,797 5,848 SH   SOLE   4,300 0 1,548
APPLE INC COM 037833100   561,090 2,408 SH   SOLE   0 0 2,408
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   673,822 1,464 SH   SOLE   1,400 0 64
BERKSHIRE HATHAWAY INC DEL CL A 084670108   3,455,900 5 SH   SOLE   5 0 0
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   1,237,869 25,022 SH   SOLE   0 0 25,022
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   382,053 7,137 SH   SOLE   0 0 7,137
BLACKSTONE INC COM 09260D107   1,135,459 7,415 SH   SOLE   7,400 0 15
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   1,887,665 51,802 SH   SOLE   0 0 51,802
COSTCO WHSL CORP NEW COM 22160K105   1,402,475 1,582 SH   SOLE   1,500 0 82
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   1,143,894 27,438 SH   SOLE   0 0 27,438
ELI LILLY & CO COM 532457108   244,524 276 SH   SOLE   0 0 276
EVERCORE INC CLASS A 29977A105   613,084 2,420 SH   SOLE   2,200 0 220
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   631,503 11,651 SH   SOLE   0 0 11,651
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824   258,006 4,205 SH   SOLE   0 0 4,205
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840   506,500 10,000 SH   SOLE   10,000 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662   289,631 6,951 SH   SOLE   0 0 6,951
FLEXSHARES TR IBOXX 3R TARGT 33939L506   210,072 8,734 SH   SOLE   0 0 8,734
FLEXSHARES TR CRE SLCT BD FD 33939L670   655,266 28,755 SH   SOLE   0 0 28,755
FLEXSHARES TR QUALT DIVD IDX 33939L860   288,260 4,019 SH   SOLE   0 0 4,019
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   309,705 3,300 SH   SOLE   3,300 0 0
GOLDMAN SACHS ETF TR MARKETBETA RUSS 38149W598   3,444,470 67,000 SH   SOLE   67,000 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   2,082,433 4,206 SH   SOLE   4,100 0 106
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   4,674,996 47,670 SH   SOLE   0 0 47,670
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   266,483 2,940 SH   SOLE   0 0 2,940
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   972,326 41,455 SH   SOLE   0 0 41,455
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   403,758 3,936 SH   SOLE   0 0 3,936
INVESCO QQQ TR UNIT SER 1 46090E103   8,507,079 17,430 SH   SOLE   17,400 0 30
ISHARES INC CORE MSCI EMKT 46434G103   380,927 6,635 SH   SOLE   0 0 6,635
ISHARES INC MSCI EMRG CHN 46434G764   552,855 9,046 SH   SOLE   0 0 9,046
ISHARES TR EAFE VALUE ETF 464288877   1,041,725 18,107 SH   SOLE   0 0 18,107
ISHARES TR 20 YR TR BD ETF 464287432   377,254 3,845 SH   SOLE   0 0 3,845
ISHARES TR ISHS 5-10YR INVT 464288638   2,550,577 47,479 SH   SOLE   0 0 47,479
ISHARES TR RUS 1000 ETF 464287622   201,209 640 SH   SOLE   0 0 640
ISHARES TR EAFE GRWTH ETF 464288885   987,540 9,173 SH   SOLE   0 0 9,173
ISHARES TR MORNINGSTAR VALU 464288109   1,685,100 20,500 SH   SOLE   20,500 0 0
ISHARES TR MBS ETF 464288588   706,485 7,373 SH   SOLE   0 0 7,373
ISHARES TR CORE S&P SCP ETF 464287804   2,237,261 19,128 SH   SOLE   18,999 0 129
ISHARES TR CORE S&P MCP ETF 464287507   266,508 4,276 SH   SOLE   0 0 4,276
ISHARES TR ISHARES SEMICDTR 464287523   5,430,395 23,550 SH   SOLE   23,550 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   1,656,023 17,295 SH   SOLE   0 0 17,295
ISHARES TR U.S. TECH ETF 464287721   1,222,023 8,059 SH   SOLE   0 0 8,059
ISHARES TR CORE US AGGBD ET 464287226   616,395 6,086 SH   SOLE   0 0 6,086
ISHARES TR S&P 500 VAL ETF 464287408   965,007 4,894 SH   SOLE   0 0 4,894
ISHARES TR RUS TP200 VL ETF 464289420   295,847 3,640 SH   SOLE   0 0 3,640
ISHARES TR CORE S&P500 ETF 464287200   3,780,972 6,554 SH   SOLE   0 0 6,554
ISHARES TR MSCI EAFE ETF 464287465   1,075,734 12,863 SH   SOLE   0 0 12,863
ISHARES TR RUSSELL 2000 ETF 464287655   2,912,877 13,187 SH   SOLE   12,674 0 513
ISHARES TR US AER DEF ETF 464288760   1,072,914 7,170 SH   SOLE   0 0 7,170
ISHARES TR CORE MSCI EAFE 46432F842   238,600 3,057 SH   SOLE   0 0 3,057
ISHARES TR CORE DIV GRWTH 46434V621   5,274,737 84,140 SH   SOLE   84,000 0 140
ISHARES TR MSCI USA MIN VOL 46429B697   3,073,003 33,654 SH   SOLE   0 0 33,654
ISHARES TR HIGH YLD SYSTM B 46435G250   279,417 5,814 SH   SOLE   0 0 5,814
ISHARES TR IBONDS 2026 TERM 46436E528   2,485,537 106,174 SH   SOLE   0 0 106,174
ISHARES TR CORE HIGH DV ETF 46429B663   207,515 1,764 SH   SOLE   0 0 1,764
ISHARES TR CORE TOTAL USD 46434V613   3,044,397 64,609 SH   SOLE   0 0 64,609
ISHARES TR 0-5YR HI YL CP 46434V407   361,345 8,322 SH   SOLE   0 0 8,322
ISHARES TR MSCI USA QLT FCT 46432F339   3,676,378 20,503 SH   SOLE   0 0 20,503
JPMORGAN CHASE & CO. COM 46625H100   643,966 3,054 SH   SOLE   3,000 0 54
META PLATFORMS INC CL A 30303M102   281,123 491 SH   SOLE   0 0 491
MICROSOFT CORP COM 594918104   1,598,626 3,715 SH   SOLE   2,500 0 1,215
NETFLIX INC COM 64110L106   1,504,362 2,121 SH   SOLE   2,000 0 121
NVIDIA CORPORATION COM 67066G104   655,862 5,400 SH   SOLE   0 0 5,400
PACER FDS TR PACER US SMALL 69374H857   254,650 5,474 SH   SOLE   0 0 5,474
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   216,710 4,282 SH   SOLE   0 0 4,282
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   5,080,728 22,505 SH   SOLE   21,900 0 605
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,520,470 9,872 SH   SOLE   0 0 9,872
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   777,782 17,162 SH   SOLE   17,000 0 162
SELECT SECTOR SPDR TR INDL 81369Y704   541,894 4,001 SH   SOLE   0 0 4,001
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,246,688 12,400 SH   SOLE   12,400 0 0
SPDR GOLD TR GOLD SHS 78463V107   436,289 1,795 SH   SOLE   0 0 1,795
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   460,950 11,166 SH   SOLE   0 0 11,166
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   334,654 8,909 SH   SOLE   0 0 8,909
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,853,721 10,198 SH   SOLE   8,920 0 1,278
SPDR SER TR BLOOMBERG SHT TE 78468R408   283,820 11,022 SH   SOLE   0 0 11,022
SPDR SER TR PORTFOLIO AGRGTE 78464A649   1,321,521 50,555 SH   SOLE   0 0 50,555
SPDR SER TR PORTFOLIO S&P500 78464A854   336,307 4,981 SH   SOLE   0 0 4,981
SPDR SER TR SPDR S&P1500VL 78464A128   5,809,271 31,500 SH   SOLE   31,500 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,615,659 17,597 SH   SOLE   0 0 17,597
SPDR SER TR PRTFLO S&P500 VL 78464A508   303,813 5,747 SH   SOLE   0 0 5,747
SPDR SER TR PORTFOLIO INTRMD 78464A375   472,753 14,024 SH   SOLE   0 0 14,024
SSGA ACTIVE TR SPDR SSGA FXD 78470P507   320,918 12,069 SH   SOLE   0 0 12,069
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408   506,412 9,769 SH   SOLE   0 0 9,769
UNITEDHEALTH GROUP INC COM 91324P102   1,678,616 2,871 SH   SOLE   2,800 0 71
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   9,725,957 39,625 SH   SOLE   39,484 0 141
VANGUARD BD INDEX FDS INTERMED TERM 921937819   466,247 5,949 SH   SOLE   0 0 5,949
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   860,290 10,932 SH   SOLE   0 0 10,932
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   404,784 5,384 SH   SOLE   0 0 5,384
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   656,919 8,746 SH   SOLE   0 0 8,746
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,190,080 23,668 SH   SOLE   0 0 23,668
VANGUARD INDEX FDS VALUE ETF 922908744   1,127,763 6,460 SH   SOLE   0 0 6,460
VANGUARD INDEX FDS GROWTH ETF 922908736   1,330,022 3,464 SH   SOLE   0 0 3,464
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,944,274 13,915 SH   SOLE   9,300 0 4,615
VANGUARD INDEX FDS SMALL CP ETF 922908751   320,119 1,345 SH   SOLE   0 0 1,345
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   593,817 12,409 SH   SOLE   0 0 12,409
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   2,248,365 27,679 SH   SOLE   0 0 27,679
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623   1,284,950 6,200 SH   SOLE   6,200 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   471,041 9,977 SH   SOLE   0 0 9,977
VANGUARD STAR FDS VG TL INTL STK F 921909768   848,508 13,106 SH   SOLE   0 0 13,106
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,523,909 28,856 SH   SOLE   0 0 28,856
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   1,692,963 5,998 SH   SOLE   5,600 0 398
VANGUARD WORLD FD CONSUM STP ETF 92204A207   2,047,865 9,371 SH   SOLE   9,000 0 371
VANGUARD WORLD FD INF TECH ETF 92204A702   3,179,670 5,421 SH   SOLE   0 0 5,421
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   4,459,665 17,147 SH   SOLE   16,600 0 547
VANGUARD WORLD FD COMM SRVC ETF 92204A884   4,053,340 27,877 SH   SOLE   27,300 0 577
VISA INC COM CL A 92826C839   1,101,188 4,005 SH   SOLE   3,600 0 405
WISDOMTREE TR US LARGECAP DIVD 97717W307   434,594 5,532 SH   SOLE   0 0 5,532