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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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AKEBIA THERAPEUTICS INC COM 00972D105 8 25,142 SH   SOLE 0 0 0 25,142
ALPHABET INC CAP STK CL A 02079K305 429 4,480 SH   SOLE 0 0 0 4,480
AMAZON COM INC COM 023135106 1,264 11,183 SH   SOLE 0 0 0 11,183
APPLE INC COM 037833100 3,567 25,808 SH   SOLE 0 0 0 25,808
COVETRUS INC COM 22304C100 469 22,458 SH   SOLE 0 0 0 22,458
DISNEY WALT CO COM 254687106 218 2,311 SH   SOLE 0 0 0 2,311
META PLATFORMS INC CL A 30303M102 248 1,830 SH   SOLE 0 0 0 1,830
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 6,124 137,828 SH   SOLE 0 0 0 137,828
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 1,571 33,170 SH   SOLE 0 0 0 33,170
HOME DEPOT INC COM 437076102 259 937 SH   SOLE 0 0 0 937
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 1,040 47,114 SH   SOLE 0 0 0 47,114
ISHARES TR CORE S&P500 ETF 464287200 576 1,605 SH   SOLE 0 0 0 1,605
ISHARES TR CORE US AGGBD ET 464287226 9,157 95,052 SH   SOLE 0 0 0 95,052
ISHARES TR MSCI EAFE ETF 464287465 908 16,214 SH   SOLE 0 0 0 16,214
ISHARES TR RUS MDCP VAL ETF 464287473 3,913 40,743 SH   SOLE 0 0 0 40,743
ISHARES TR RUS MD CP GR ETF 464287481 792 10,094 SH   SOLE 0 0 0 10,094
ISHARES TR RUS MID CAP ETF 464287499 293 4,714 SH   SOLE 0 0 0 4,714
ISHARES TR COHEN STEER REIT 464287564 780 14,531 SH   SOLE 0 0 0 14,531
ISHARES TR RUS 1000 GRW ETF 464287614 2,119 10,072 SH   SOLE 0 0 0 10,072
ISHARES TR RUS 1000 ETF 464287622 1,544 7,823 SH   SOLE 0 0 0 7,823
ISHARES TR RUSSELL 2000 ETF 464287655 476 2,885 SH   SOLE 0 0 0 2,885
ISHARES TR RUSSELL 3000 ETF 464287689 269 1,298 SH   SOLE 0 0 0 1,298
ISHARES TR EAFE SML CP ETF 464288273 1,334 27,337 SH   SOLE 0 0 0 27,337
ISHARES TR MRGSTR MD CP GRW 464288307 2,159 42,861 SH   SOLE 0 0 0 42,861
ISHARES TR NEW YORK MUN ETF 464288323 3,538 69,932 SH   SOLE 0 0 0 69,932
ISHARES TR NATIONAL MUN ETF 464288414 3,742 36,477 SH   SOLE 0 0 0 36,477
ISHARES TR IBOXX HI YD ETF 464288513 1,114 15,609 SH   SOLE 0 0 0 15,609
ISHARES TR EAFE VALUE ETF 464288877 990 25,704 SH   SOLE 0 0 0 25,704
ISHARES TR EAFE GRWTH ETF 464288885 1,521 20,962 SH   SOLE 0 0 0 20,962
ISHARES TR CORE MSCI TOTAL 46432F834 2,553 50,132 SH   SOLE 0 0 0 50,132
ISHARES TR CORE MSCI EAFE 46432F842 1,802 34,220 SH   SOLE 0 0 0 34,220
ISHARES TR CORE 1 5 YR USD 46432F859 1,573 34,127 SH   SOLE 0 0 0 34,127
ISHARES INC CORE MSCI EMKT 46434G103 2,271 52,840 SH   SOLE 0 0 0 52,840
ISHARES TR CORE TOTAL USD 46434V613 8,313 186,802 SH   SOLE 0 0 0 186,802
ISHARES TR BLACKROCK ULTRA 46434V878 628 12,552 SH   SOLE 0 0 0 12,552
ISHARES TR RUSEL 2500 ETF 46435G268 737 14,813 SH   SOLE 0 0 0 14,813
ISHARES TR CORE INTL AGGR 46435G672 1,585 32,798 SH   SOLE 0 0 0 32,798
JPMORGAN CHASE & CO COM 46625H100 364 3,479 SH   SOLE 0 0 0 3,479
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 218 4,340 SH   SOLE 0 0 0 4,340
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 1,030 22,454 SH   SOLE 0 0 0 22,454
JOHNSON & JOHNSON COM 478160104 226 1,386 SH   SOLE 0 0 0 1,386
MASTERCARD INCORPORATED CL A 57636Q104 401 1,410 SH   SOLE 0 0 0 1,410
MICROSOFT CORP COM 594918104 1,131 4,856 SH   SOLE 0 0 0 4,856
PROSHARES TR S&P 500 DV ARIST 74348A467 1,047 13,095 SH   SOLE 0 0 0 13,095
SPDR S&P 500 ETF TR TR UNIT 78462F103 225 630 SH   SOLE 0 0 0 630
SPDR SER TR NUVEEN BLOOMBERG 78464A284 2,075 43,299 SH   SOLE 0 0 0 43,299
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 989 24,199 SH   SOLE 0 0 0 24,199
HENRY SCHEIN INC COM 806407102 1,293 19,666 SH   SOLE 0 0 0 19,666
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,742 112,940 SH   SOLE 0 0 0 112,940
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 323 7,623 SH   SOLE 0 0 0 7,623
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,925 142,001 SH   SOLE 0 0 0 142,001
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,716 80,609 SH   SOLE 0 0 0 80,609
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,055 50,469 SH   SOLE 0 0 0 50,469
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,139 56,586 SH   SOLE 0 0 0 56,586
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,029 90,594 SH   SOLE 0 0 0 90,594
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 14,902 224,333 SH   SOLE 0 0 0 224,333
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,970 105,585 SH   SOLE 0 0 0 105,585
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 6,116 134,977 SH   SOLE 0 0 0 134,977
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 373 13,425 SH   SOLE 0 0 0 13,425
SEMPRA COM 816851109 205 1,364 SH   SOLE 0 0 0 1,364
SHERWIN WILLIAMS CO COM 824348106 246 1,200 SH   SOLE 0 0 0 1,200
TESLA INC COM 88160R101 420 1,585 SH   SOLE 0 0 0 1,585
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 2,124 35,406 SH   SOLE 0 0 0 35,406
VANGUARD STAR FDS VG TL INTL STK F 921909768 12,115 264,690 SH   SOLE 0 0 0 264,690
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 5,909 65,725 SH   SOLE 0 0 0 65,725
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,305 10,455 SH   SOLE 0 0 0 10,455
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 581 2,787 SH   SOLE 0 0 0 2,787
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,611 44,298 SH   SOLE 0 0 0 44,298
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 583 15,981 SH   SOLE 0 0 0 15,981
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 457 9,486 SH   SOLE 0 0 0 9,486
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,158 14,445 SH   SOLE 0 0 0 14,445
VANGUARD INDEX FDS MID CAP ETF 922908629 2,929 15,580 SH   SOLE 0 0 0 15,580
VANGUARD INDEX FDS LARGE CAP ETF 922908637 48,128 294,253 SH   SOLE 0 0 0 294,253
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 14,520 114,232 SH   SOLE 0 0 0 114,232
VANGUARD INDEX FDS GROWTH ETF 922908736 228 1,068 SH   SOLE 0 0 0 1,068
VANGUARD INDEX FDS VALUE ETF 922908744 276 2,233 SH   SOLE 0 0 0 2,233
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,100 12,290 SH   SOLE 0 0 0 12,290
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,873 10,439 SH   SOLE 0 0 0 10,439
VERIZON COMMUNICATIONS INC COM 92343V104 202 5,329 SH   SOLE 0 0 0 5,329