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
ABBOTT LABS COM 002824100   245,147 2,227 SH   SOLE   2,227 0 0
ABBVIE INC COM 00287Y109   357,769 2,309 SH   SOLE   2,309 0 0
ADVENT CONV & INCOME FD COM 00764C109   246,041 21,621 SH   SOLE   21,621 0 0
AMAZON COM INC COM 023135106   480,896 3,165 SH   SOLE   3,165 0 0
AMERICAN EXPRESS CO COM 025816109   331,223 1,768 SH   SOLE   1,768 0 0
APPLE INC COM 037833100   4,344,896 22,567 SH   SOLE   22,567 0 0
AT&T INC COM 00206R102   191,074 11,387 SH   SOLE   11,387 0 0
AXON ENTERPRISE INC COM 05464C101   1,033,320 4,000 SH   SOLE   4,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   297,098 833 SH   SOLE   833 0 0
BROADCOM INC COM 11135F101   1,495,525 1,340 SH   SOLE   1,340 0 0
CATERPILLAR INC COM 149123101   790,770 2,675 SH   SOLE   2,675 0 0
CHEVRON CORP NEW COM 166764100   1,070,864 7,179 SH   SOLE   7,179 0 0
CISCO SYS INC COM 17275R102   1,308,075 25,892 SH   SOLE   25,892 0 0
COCA COLA CO COM 191216100   1,124,226 19,077 SH   SOLE   19,077 0 0
COLGATE PALMOLIVE CO COM 194162103   330,262 4,143 SH   SOLE   4,143 0 0
COMCAST CORP NEW CL A 20030N101   679,821 15,503 SH   SOLE   15,503 0 0
COSTCO WHSL CORP NEW COM 22160K105   756,452 1,146 SH   SOLE   1,146 0 0
EXXON MOBIL CORP COM 30231G102   1,040,064 10,403 SH   SOLE   10,403 0 0
FERGUSON PLC NEW SHS G3421J106   206,392 1,069 SH   SOLE   1,069 0 0
GABELLI CONV & INC SECS FD I COM 36240B109   122,231 33,953 SH   SOLE   33,953 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   686,709 1,780 SH   SOLE   1,780 0 0
HOME DEPOT INC COM 437076102   890,986 2,571 SH   SOLE   2,571 0 0
HONEYWELL INTL INC COM 438516106   534,958 2,551 SH   SOLE   2,551 0 0
INTEL CORP COM 458140100   1,378,475 27,432 SH   SOLE   27,432 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   437,688 2,676 SH   SOLE   2,676 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   364,409 4,501 SH   SOLE   4,501 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   6,747,342 292,346 SH   SOLE   292,346 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   235,444 575 SH   SOLE   575 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   349,663 8,696 SH   SOLE   8,696 0 0
ISHARES TR CRE U S REIT ETF 464288521   2,919,891 53,783 SH   SOLE   53,783 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   4,758,270 189,648 SH   SOLE   189,648 0 0
ISHARES TR COHEN STEER REIT 464287564   247,227 4,210 SH   SOLE   4,210 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   5,090,318 212,717 SH   SOLE   212,717 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   11,943,986 158,115 SH   SOLE   158,115 0 0
ISHARES TR CORE S&P SCP ETF 464287804   4,387,993 40,536 SH   SOLE   40,536 0 0
ISHARES TR GLOBAL TECH ETF 464287291   429,534 6,300 SH   SOLE   6,300 0 0
ISHARES TR IBONDS 25 TRM HG 46435U168   256,295 11,095 SH   SOLE   11,095 0 0
ISHARES TR TIPS BD ETF 464287176   1,190,950 11,080 SH   SOLE   11,080 0 0
ISHARES TR IBONDS 24 TRM HG 46435U184   268,934 11,587 SH   SOLE   11,587 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   8,482,437 354,914 SH   SOLE   354,914 0 0
ISHARES TR CORE S&P500 ETF 464287200   26,201,317 54,857 SH   SOLE   54,857 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   8,230,868 162,601 SH   SOLE   162,601 0 0
ISHARES TR CORE S&P TTL STK 464287150   734,009 6,975 SH   SOLE   6,975 0 0
ISHARES TR IBONDS 2026 TERM 46436E528   241,646 10,543 SH   SOLE   10,543 0 0
ISHARES TR CORE S&P MCP ETF 464287507   12,068,305 43,544 SH   SOLE   43,544 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   816,532 4,068 SH   SOLE   4,068 0 0
ISHARES TR CONV BD ETF 46435G102   750,070 9,544 SH   SOLE   9,544 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   10,795,352 433,374 SH   SOLE   433,374 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   10,723,014 433,078 SH   SOLE   433,078 0 0
ISHARES TR RUS MID CAP ETF 464287499   613,489 7,893 SH   SOLE   7,893 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,493,549 19,821 SH   SOLE   19,821 0 0
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   250,800 5,017 SH   SOLE   5,017 0 0
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   431,568 8,543 SH   SOLE   8,543 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   317,991 6,267 SH   SOLE   6,267 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,037,228 120,192 SH   SOLE   120,192 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS USD 46641Q878   6,017,835 131,065 SH   SOLE   131,065 0 0
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   6,795,545 142,196 SH   SOLE   142,196 0 0
JOHNSON & JOHNSON COM 478160104   1,178,619 7,520 SH   SOLE   7,520 0 0
JPMORGAN CHASE & CO COM 46625H100   1,963,570 11,544 SH   SOLE   11,544 0 0
MCDONALDS CORP COM 580135101   1,768,451 5,964 SH   SOLE   5,964 0 0
MEDTRONIC PLC SHS G5960L103   590,131 7,164 SH   SOLE   7,164 0 0
MERCK & CO INC COM 58933Y105   2,000,153 18,347 SH   SOLE   18,347 0 0
META PLATFORMS INC CL A 30303M102   419,443 1,185 SH   SOLE   1,185 0 0
METLIFE INC COM 59156R108   700,474 10,592 SH   SOLE   10,592 0 0
MICROSOFT CORP COM 594918104   1,724,042 4,585 SH   SOLE   4,585 0 0
NIKE INC CL B 654106103   674,725 6,215 SH   SOLE   6,215 0 0
NXP SEMICONDUCTORS N V COM N6596X109   696,849 3,034 SH   SOLE   3,034 0 0
ORACLE CORP COM 68389X105   363,275 3,446 SH   SOLE   3,446 0 0
PEPSICO INC COM 713448108   789,445 4,648 SH   SOLE   4,648 0 0
PFIZER INC COM 717081103   252,842 8,782 SH   SOLE   8,782 0 0
PNC FINL SVCS GROUP INC COM 693475105   765,257 4,942 SH   SOLE   4,942 0 0
PROCTER AND GAMBLE CO COM 742718109   1,488,282 10,156 SH   SOLE   10,156 0 0
PROLOGIS INC. COM 74340W103   842,890 6,323 SH   SOLE   6,323 0 0
PROSPECT CAP CORP NOTE 6.375% 3/0 74348TAT9   4,716,170 4,767,000 SH   SOLE   4,767,000 0 0
SALESFORCE INC COM 79466L302   411,288 1,563 SH   SOLE   1,563 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   5,211,599 27,076 SH   SOLE   27,076 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,045,225 14,511 SH   SOLE   14,511 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,929,126 51,307 SH   SOLE   51,307 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,436,113 17,863 SH   SOLE   17,863 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   541,626 8,552 SH   SOLE   8,552 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,386,497 13,347 SH   SOLE   13,347 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   564,714 6,602 SH   SOLE   6,602 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   1,515,425 13,294 SH   SOLE   13,294 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   926,154 11,047 SH   SOLE   11,047 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,147,074 5,697 SH   SOLE   5,697 0 0
SPDR GOLD TR GOLD SHS 78463V107   438,926 2,296 SH   SOLE   2,296 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,054,847 142,752 SH   SOLE   142,752 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,145,688 10,826 SH   SOLE   10,826 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   617,511 20,736 SH   SOLE   20,736 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   9,907,012 203,346 SH   SOLE   203,346 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   18,257,879 326,617 SH   SOLE   326,617 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   19,797,438 424,564 SH   SOLE   424,564 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   5,211,013 55,009 SH   SOLE   55,009 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   10,459,860 247,981 SH   SOLE   247,981 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   7,274,111 100,819 SH   SOLE   100,819 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   4,865,001 116,027 SH   SOLE   116,027 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   892,053 8,577 SH   SOLE   8,577 0 0
TEMPLETON GLOBAL INCOME FD COM 880198106   60,887 16,065 SH   SOLE   16,065 0 0
TESLA INC COM 88160R101   271,092 1,091 SH   SOLE   1,091 0 0
TRAVELERS COMPANIES INC COM 89417E109   283,524 1,488 SH   SOLE   1,488 0 0
UNION PAC CORP COM 907818108   279,024 1,136 SH   SOLE   1,136 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   496,787 6,450 SH   SOLE   6,450 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,240,467 14,039 SH   SOLE   14,039 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   630,738 2,029 SH   SOLE   2,029 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   561,381 3,755 SH   SOLE   3,755 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,393,502 33,905 SH   SOLE   33,905 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   716,460 9,260 SH   SOLE   9,260 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   241,766 1,419 SH   SOLE   1,419 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,812,485 163,100 SH   SOLE   163,100 0 0
VISA INC COM CL A 92826C839   1,048,572 4,028 SH   SOLE   4,028 0 0
WALMART INC COM 931142103   1,954,215 12,396 SH   SOLE   12,396 0 0
XCEL ENERGY INC COM 98389B100   203,087 3,280 SH   SOLE   3,280 0 0