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   532 3,341 SH   SOLE   3,341 0 0
ALPHABET INC. CLASS A COM 02079k305   367 3,540 SH   SOLE   3,540 0 0
ALPHABET INC. CLASS C COM 02079k107   530 5,100 SH   SOLE   5,100 0 0
ALTRIA GROUP INC COM 02209s103   217 4,864 SH   SOLE   4,864 0 0
AMAZON.COM INC COM 023135106   4,605 44,585 SH   SOLE   44,585 0 0
APPLE INC COM 037833100   7,530 45,666 SH   SOLE   45,666 0 0
BANK OF AMERICA CORP COM 060505104   376 13,144 SH   SOLE   13,144 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702   3,566 11,550 SH   SOLE   11,550 0 0
BOEING CO COM 097023105   282 1,328 SH   SOLE   1,328 0 0
C BOND SYSTEMS INC COM 12508x109   0 50,000 SH   SOLE   50,000 0 0
CANADIAN PACIFIC KANSA F COM 13646k108   277 3,605 SH   SOLE   3,605 0 0
CHEVRON CORP COM 166764100   347 2,128 SH   SOLE   2,128 0 0
CISCO SYSTEMS INC COM 17275r102   229 4,373 SH   SOLE   4,373 0 0
COSTCO WHOLESALE CO COM 22160k105   814 1,639 SH   SOLE   1,639 0 0
DOVER CORP COM 260003108   312 2,056 SH   SOLE   2,056 0 0
EATON CORP PLC F COM g29183103   314 1,835 SH   SOLE   1,835 0 0
EXXON MOBIL CORP COM 30231g102   380 3,462 SH   SOLE   3,462 0 0
JOHNSON & JOHNSON COM 478160104   633 4,081 SH   SOLE   4,081 0 0
JPMORGAN CHASE & CO COM 46625h100   1,431 10,983 SH   SOLE   10,983 0 0
MCDONALDS CORP COM 580135101   528 1,887 SH   SOLE   1,887 0 0
MERCK & CO. INC. COM 58933y105   823 7,736 SH   SOLE   7,736 0 0
META PLATFORMS INC CLASS A COM 30303m102   279 1,316 SH   SOLE   1,316 0 0
MICROSOFT CORP COM 594918104   7,954 27,590 SH   SOLE   27,590 0 0
ORACLE CORP COM 68389x105   372 4,000 SH   SOLE   4,000 0 0
PROCTER & GAMBLE COM 742718109   419 2,821 SH   SOLE   2,821 0 0
SALESFORCE INC COM 79466l302   496 2,482 SH   SOLE   2,482 0 0
STARBUCKS CORP COM 855244109   571 5,488 SH   SOLE   5,488 0 0
TESLA INC COM 88160r101   207 1,000 SH   SOLE   1,000 0 0
UNITEDHEALTH GRP INC COM 91324p102   424 897 SH   SOLE   897 0 0
VERIZON COMMUNICATN COM 92343v104   372 9,555 SH   SOLE   9,555 0 0
VISA INC CLASS A COM 92826c839   462 2,047 SH   SOLE   2,047 0 0
WALT DISNEY CO COM 254687106   384 3,832 SH   SOLE   3,832 0 0
WHEELS UP EXPERIENCE I F CLASS COM 96328l106   36 57,603 SH   SOLE   57,603 0 0
ZOETIS INC CLASS A COM 98978v103   456 2,738 SH   SOLE   2,738 0 0
ENERGY SELECT SECTOR SPDR ETF ETF 81369y506   291 3,515 SH   SOLE   3,515 0 0
INVSC QQQ TRUST SRS 1 ETF IV ETF 46090e103   647 2,015 SH   SOLE   2,015 0 0
ISHARES COHEN AND STEERS REIT ETF 464287564   889 16,011 SH   SOLE   16,011 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   2,647 6,438 SH   SOLE   6,438 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   3,991 15,953 SH   SOLE   15,953 0 0
ISHARES CORE S&P SMALL-CAP ETF ETF 464287804   696 7,200 SH   SOLE   7,200 0 0
ISHARES DOW JONES US ETF ETF 464287846   605 6,044 SH   SOLE   6,044 0 0
ISHARES MSCI EAFE ETF ETF 464287465   255 3,572 SH   SOLE   3,572 0 0
ISHARES MSCI EMERGING MARKETS ETF 464287234   949 24,061 SH   SOLE   24,061 0 0
ISHARES PREFERRED INCOME SEC E ETF 464288687   890 28,520 SH   SOLE   28,520 0 0
ISHARES RUSSELL 1000 GROWTH ET ETF 464287614   9,913 40,573 SH   SOLE   40,573 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   8,482 55,709 SH   SOLE   55,709 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   290 1,624 SH   SOLE   1,624 0 0
ISHARES RUSSELL 2000 GROWTH ET ETF 464287648   1,996 8,800 SH   SOLE   8,800 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630   11,351 82,841 SH   SOLE   82,841 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   795 3,375 SH   SOLE   3,375 0 0
ISHARES RUSSELL MID CAP ETF ETF 464287499   13,307 190,324 SH   SOLE   190,324 0 0
ISHARES RUSSELL MID CAP VALUE ETF 464287473   1,326 12,486 SH   SOLE   12,486 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   5,419 84,825 SH   SOLE   84,825 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   2,151 14,173 SH   SOLE   14,173 0 0
ISHARES S&P MID CAP 400 VALUE ETF 464287705   1,972 19,190 SH   SOLE   19,190 0 0
ISHARES S&P SMALL CAP 600 ETF ETF 464287879   3,881 41,471 SH   SOLE   41,471 0 0
ISHARES S&P SMLL CAP 600 GRTH ETF 464287887   975 8,866 SH   SOLE   8,866 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   4,236 36,147 SH   SOLE   36,147 0 0
ISHARES U S CONSUMER DISCRTRY ETF 464287580   653 10,096 SH   SOLE   10,096 0 0
ISHARES US HEALTHCARE ETF ETF 464287762   243 890 SH   SOLE   890 0 0
ISHARES US INDUSTRIALS ETF ETF 464287754   240 2,400 SH   SOLE   2,400 0 0
ISHARES US REAL ESTATE ETF ETF 464287739   252 2,972 SH   SOLE   2,972 0 0
ISHARES US TECHNOLOGY ETF ETF 464287721   1,082 11,660 SH   SOLE   11,660 0 0
SPDR DOW JONES INDUSTRIAL AVER ETF 252787106   338 1,017 SH   SOLE   1,017 0 0
SPDR GOLD SHARES ETF ETF 78463v107   202 1,100 SH   SOLE   1,100 0 0
SPDR S&P 500 ETF ETF 78462f103   1,685 4,117 SH   SOLE   4,117 0 0
SPDR S&P 500 GROWTH ETF ETF 78464a409   224 4,055 SH   SOLE   4,055 0 0
SPDR S&P MIDCAP 400 ETF ETF 78467y107   4,146 9,044 SH   SOLE   9,044 0 0
SPDR S&P SEMICONDUCTOR ETF ETF 78464a862   346 1,660 SH   SOLE   1,660 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF 81369y803   1,792 11,865 SH   SOLE   11,865 0 0
VANGUARD DIVIDEND APPRECIATION ETF 921908844   2,187 14,201 SH   SOLE   14,201 0 0
VANGUARD ENERGY ETF ETF 92204a306   1,140 9,981 SH   SOLE   9,981 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   622 10,205 SH   SOLE   10,205 0 0
VANGUARD HEALTH CARE ETF ETF 92204a504   577 2,420 SH   SOLE   2,420 0 0
VANGUARD HIGH DIVIDEND YIELD E ETF 921946406   7,999 75,821 SH   SOLE   75,821 0 0
VANGUARD INDUSTRIALS ETF ETF 92204a603   791 4,150 SH   SOLE   4,150 0 0
VANGUARD INFORMATION TECHNOLOG ETF 92204a702   407 1,055 SH   SOLE   1,055 0 0
VANGUARD MID CAP ETF ETF 922908629   637 3,020 SH   SOLE   3,020 0 0
VANGUARD MID CAP VALUE ETF ETF 922908512   322 2,400 SH   SOLE   2,400 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,044 6,576 SH   SOLE   6,576 0 0
VANGUARD TOTAL STOCK MARKET ET ETF 922908769   6,733 32,990 SH   SOLE   32,990 0 0
WISDOMTREE US TOTAL DIVIDEND E ETF 97717w109   1,128 18,620 SH   SOLE   18,620 0 0
ISHARES BRD USD INV GRD CORP B ETF 464288620   315 6,225 SH   SOLE   6,225 0 0
ISHARES CORE US AGGREGATE BOND ETF 464287226   580 5,821 SH   SOLE   5,821 0 0
ISHARES IBND DEC 2025 TRM MUN ETF 46435u432   1,662 62,460 SH   SOLE   62,460 0 0
ISHARES IBONDS DEC 2023 MUNI B ETF 46435g318   3,070 120,715 SH   SOLE   120,715 0 0
ISHARES IBONDS DEC 2023 TERM E ETF 46434vax8   6,177 245,197 SH   SOLE   245,197 0 0
ISHARES IBONDS DEC 2024 TRM ET ETF 46434vbg4   5,551 225,755 SH   SOLE   225,755 0 0
ISHARES IBOXX HIGH YIELD BOND ETF 464288513   592 7,835 SH   SOLE   7,835 0 0
ISHARES IBOXX INVT GRADE BOND ETF 464287242   1,904 17,369 SH   SOLE   17,369 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   956 8,874 SH   SOLE   8,874 0 0
ISHARES TIPS BOND ETF ETF 464287176   1,731 15,700 SH   SOLE   15,700 0 0
ISHARES TRT IS 5-10 INV GR CR ETF 464288638   364 7,100 SH   SOLE   7,100 0 0
ISHARS IBND DEC 2024 TRM MUNI ETF 46435u697   2,796 108,065 SH   SOLE   108,065 0 0
ISHR IBND DEC 2025 TRM ETF ETF 46434vbd1   2,392 97,529 SH   SOLE   97,529 0 0
JPMORGAN ULTRA SHORT INCOME ET ETF 46641q837   207 4,118 SH   SOLE   4,118 0 0
JPMORGAN ULTRA SHRT MUNCIPL IN ETF 46641q654   726 14,295 SH   SOLE   14,295 0 0
SPDR BLOOMBERG CONVRTBL SECRS ETF 78464a359   587 8,750 SH   SOLE   8,750 0 0
VANGUARD INTERMEDIATE TERM BON ETF 921937819   607 7,914 SH   SOLE   7,914 0 0
VANGUARD MUNI BND TAX EXEMPT E ETF 922907746   2,740 54,080 SH   SOLE   54,080 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   675 9,142 SH   SOLE   9,142 0 0
VGRD ITC ETF DV ETF 92206c870   707 8,817 SH   SOLE   8,817 0 0
VGRD STC ETF DV ETF 92206c409   1,271 16,678 SH   SOLE   16,678 0 0