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   336 2,494 SH   SOLE   2,494 0 0
ALPHABET INC. CLASS A COM 02079k305   424 3,540 SH   SOLE   3,540 0 0
ALPHABET INC. CLASS C COM 02079k107   496 4,100 SH   SOLE   4,100 0 0
ALTRIA GROUP INC COM 02209s103   220 4,864 SH   SOLE   4,864 0 0
AMAZON.COM INC COM 023135106   5,564 42,685 SH   SOLE   42,685 0 0
APPLE INC COM 037833100   8,858 45,669 SH   SOLE   45,669 0 0
BANK OF AMERICA CORP COM 060505104   367 12,800 SH   SOLE   12,800 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702   4,066 11,925 SH   SOLE   11,925 0 0
BOEING CO COM 097023105   280 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   291 3,605 SH   SOLE   3,605 0 0
CHEVRON CORP COM 166764100   335 2,128 SH   SOLE   2,128 0 0
CISCO SYSTEMS INC COM 17275r102   226 4,373 SH   SOLE   4,373 0 0
CONSTELLATION BRAND CLASS A COM 21036p108   209 850 SH   SOLE   850 0 0
COSTCO WHOLESALE CO COM 22160k105   882 1,639 SH   SOLE   1,639 0 0
DOVER CORP COM 260003108   304 2,056 SH   SOLE   2,056 0 0
EATON CORP PLC F COM g29183103   369 1,835 SH   SOLE   1,835 0 0
EXXON MOBIL CORP COM 30231g102   371 3,462 SH   SOLE   3,462 0 0
JOHNSON & JOHNSON EXCHANGE OFF COM 478160104   635 3,837 SH   SOLE   3,837 0 0
JPMORGAN CHASE & CO COM 46625h100   1,670 11,483 SH   SOLE   11,483 0 0
MCDONALDS CORP COM 580135101   563 1,887 SH   SOLE   1,887 0 0
MERCK & CO. INC. COM 58933y105   864 7,488 SH   SOLE   7,488 0 0
META PLATFORMS INC CLASS A COM 30303m102   462 1,609 SH   SOLE   1,609 0 0
MICROSOFT CORP COM 594918104   9,259 27,191 SH   SOLE   27,191 0 0
ORACLE CORP COM 68389x105   476 4,000 SH   SOLE   4,000 0 0
PALO ALTO NETWORKS COM 697435105   230 900 SH   SOLE   900 0 0
PROCTER & GAMBLE COM 742718109   337 2,221 SH   SOLE   2,221 0 0
SALESFORCE INC COM 79466l302   368 1,744 SH   SOLE   1,744 0 0
STARBUCKS CORP COM 855244109   519 5,238 SH   SOLE   5,238 0 0
TESLA INC COM 88160r101   262 1,000 SH   SOLE   1,000 0 0
UNITEDHEALTH GRP INC COM 91324p102   575 1,197 SH   SOLE   1,197 0 0
VERIZON COMMUNICATN COM 92343v104   318 8,555 SH   SOLE   8,555 0 0
VISA INC CLASS A COM 92826c839   296 1,247 SH   SOLE   1,247 0 0
WALT DISNEY CO COM 254687106   324 3,632 SH   SOLE   3,632 0 0
ZOETIS INC CLASS A COM 98978v103   430 2,499 SH   SOLE   2,499 0 0
ENERGY SELECT SECTOR SPDR ETF ETF 81369y506   282 3,479 SH   SOLE   3,479 0 0
INVSC QQQ TRUST SRS 1 ETF IV ETF 46090e103   744 2,015 SH   SOLE   2,015 0 0
ISHARES COHEN AND STEERS REIT ETF 464287564   910 16,381 SH   SOLE   16,381 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   2,874 6,449 SH   SOLE   6,449 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   4,164 15,926 SH   SOLE   15,926 0 0
ISHARES CORE S&P SMALL-CAP ETF ETF 464287804   717 7,200 SH   SOLE   7,200 0 0
ISHARES DOW JONES US ETF ETF 464287846   655 6,049 SH   SOLE   6,049 0 0
ISHARES MSCI EAFE ETF ETF 464287465   271 3,742 SH   SOLE   3,742 0 0
ISHARES MSCI EMERGING MARKETS ETF 464287234   1,019 25,770 SH   SOLE   25,770 0 0
ISHARES PREFERRED INCOME SEC E ETF 464288687   815 26,354 SH   SOLE   26,354 0 0
ISHARES RUSSELL 1000 GROWTH ET ETF 464287614   10,886 39,559 SH   SOLE   39,559 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   8,610 54,552 SH   SOLE   54,552 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   640 3,419 SH   SOLE   3,419 0 0
ISHARES RUSSELL 2000 GROWTH ET ETF 464287648   2,257 9,301 SH   SOLE   9,301 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630   11,377 80,803 SH   SOLE   80,803 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   859 3,375 SH   SOLE   3,375 0 0
ISHARES RUSSELL MID CAP ETF ETF 464287499   13,741 188,161 SH   SOLE   188,161 0 0
ISHARES RUSSELL MID CAP VALUE ETF 464287473   1,362 12,396 SH   SOLE   12,396 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   5,974 84,758 SH   SOLE   84,758 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   2,232 13,848 SH   SOLE   13,848 0 0
ISHARES S&P MID CAP 400 VALUE ETF 464287705   2,056 19,190 SH   SOLE   19,190 0 0
ISHARES S&P SMALL CAP 600 ETF ETF 464287879   3,839 40,377 SH   SOLE   40,377 0 0
ISHARES S&P SMLL CAP 600 GRTH ETF 464287887   982 8,547 SH   SOLE   8,547 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   4,092 36,118 SH   SOLE   36,118 0 0
ISHARES U S CONSUMER DISCRTRY ETF 464287580   690 9,696 SH   SOLE   9,696 0 0
ISHARES U S CONSUMER STAPLES E ETF 464287812   222 1,110 SH   SOLE   1,110 0 0
ISHARES US HEALTHCARE ETF ETF 464287762   249 890 SH   SOLE   890 0 0
ISHARES US INDUSTRIALS ETF ETF 464287754   254 2,400 SH   SOLE   2,400 0 0
ISHARES US REAL ESTATE ETF ETF 464287739   257 2,972 SH   SOLE   2,972 0 0
ISHARES US TECHNOLOGY ETF ETF 464287721   1,248 11,460 SH   SOLE   11,460 0 0
SPDR DOW JONES INDUSTRIAL AVER ETF 252787106   350 1,018 SH   SOLE   1,018 0 0
SPDR S&P 500 ETF ETF 78462f103   1,799 4,059 SH   SOLE   4,059 0 0
SPDR S&P 500 GROWTH ETF ETF 78464a409   247 4,055 SH   SOLE   4,055 0 0
SPDR S&P MIDCAP 400 ETF ETF 78467y107   4,378 9,142 SH   SOLE   9,142 0 0
SPDR S&P SEMICONDUCTOR ETF ETF 78464a862   367 1,660 SH   SOLE   1,660 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF 81369y803   2,109 12,130 SH   SOLE   12,130 0 0
VANGUARD DIVIDEND APPRECIATION ETF 921908844   2,223 13,686 SH   SOLE   13,686 0 0
VANGUARD ENERGY ETF ETF 92204a306   1,070 9,481 SH   SOLE   9,481 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   618 10,012 SH   SOLE   10,012 0 0
VANGUARD HEALTH CARE ETF ETF 92204a504   556 2,270 SH   SOLE   2,270 0 0
VANGUARD HIGH DIVIDEND YIELD E ETF 921946406   7,814 73,671 SH   SOLE   73,671 0 0
VANGUARD INDUSTRIALS ETF ETF 92204a603   867 4,220 SH   SOLE   4,220 0 0
VANGUARD INFORMATION TECHNOLOG ETF 92204a702   504 1,140 SH   SOLE   1,140 0 0
VANGUARD MID CAP ETF ETF 922908629   546 2,480 SH   SOLE   2,480 0 0
VANGUARD MID CAP VALUE ETF ETF 922908512   332 2,400 SH   SOLE   2,400 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   922 5,576 SH   SOLE   5,576 0 0
VANGUARD TOTAL STOCK MARKET ET ETF 922908769   7,131 32,373 SH   SOLE   32,373 0 0
WISDOMTREE US TOTAL DIVIDEND E ETF 97717w109   1,156 18,620 SH   SOLE   18,620 0 0
ISHARES BRD USD INV GRD CORP B ETF 464288620   312 6,225 SH   SOLE   6,225 0 0
ISHARES CORE US AGGREGATE BOND ETF 464287226   570 5,821 SH   SOLE   5,821 0 0
ISHARES IBND DEC 2025 TRM MUN ETF 46435u432   1,645 62,460 SH   SOLE   62,460 0 0
ISHARES IBONDS DEC 2023 MUNI B ETF 46435g318   3,048 119,565 SH   SOLE   119,565 0 0
ISHARES IBONDS DEC 2023 TERM E ETF 46434vax8   6,169 243,947 SH   SOLE   243,947 0 0
ISHARES IBONDS DEC 2024 TRM ET ETF 46434vbg4   5,528 224,525 SH   SOLE   224,525 0 0
ISHARES IBOXX HIGH YIELD BOND ETF 464288513   588 7,835 SH   SOLE   7,835 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   947 8,874 SH   SOLE   8,874 0 0
ISHARES TIPS BOND ETF ETF 464287176   1,690 15,700 SH   SOLE   15,700 0 0
ISHARES TRT IS 5-10 INV GR CR ETF 464288638   359 7,100 SH   SOLE   7,100 0 0
ISHARES TRUST IBOXX INV CP ETF ETF 464287242   1,938 17,924 SH   SOLE   17,924 0 0
ISHARS IBND DEC 2024 TRM MUNI ETF 46435u697   2,784 108,065 SH   SOLE   108,065 0 0
ISHR IBND DEC 2025 TRM ETF ETF 46434vbd1   2,349 96,329 SH   SOLE   96,329 0 0
JPMORGAN ULTRA SHORT INCOME ET ETF 46641q837   206 4,118 SH   SOLE   4,118 0 0
JPMORGAN ULTRA SHRT MUNCIPL IN ETF 46641q654   675 13,327 SH   SOLE   13,327 0 0
SPDR BLOOMBERG CONVRTBL SECRS ETF 78464a359   579 8,275 SH   SOLE   8,275 0 0
VANGUARD INTERMEDIATE TERM BON ETF 921937819   561 7,451 SH   SOLE   7,451 0 0
VANGUARD MUNI BND TAX EXEMPT E ETF 922907746   2,568 51,130 SH   SOLE   51,130 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   665 9,142 SH   SOLE   9,142 0 0
VGRD ITC ETF DV ETF 92206c870   697 8,817 SH   SOLE   8,817 0 0
VGRD STC ETF DV ETF 92206c409   1,149 15,192 SH   SOLE   15,192 0 0