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
ALPHABET INC CAP STK CL A 02079K305   377,163 2,700 SH   SOLE 0 0 0 2,700
ALPHABET INC CAP STK CL C 02079K107   414,334 2,940 SH   SOLE 0 0 0 2,940
AMAZON COM INC COM 023135106   713,662 4,697 SH   SOLE 0 0 0 4,697
AMERICAN EXPRESS CO COM 025816109   203,451 1,086 SH   SOLE 0 0 0 1,086
AMGEN INC COM 031162100   234,736 815 SH   SOLE 0 0 0 815
APPLE INC COM 037833100   5,663,840 29,418 SH   SOLE 0 0 0 29,418
AVERY DENNISON CORP COM 053611109   640,847 3,170 SH   SOLE 0 0 0 3,170
BALL CORP COM 058498106   635,021 11,040 SH   SOLE 0 0 0 11,040
BERKSHIRE HATHAWAY INC DEL CL A 084670108   542,625 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   336,687 944 SH   SOLE 0 0 0 944
BLACKROCK INC COM 09247X101   1,651,201 2,034 SH   SOLE 0 0 0 2,034
BROADCOM INC COM 11135F101   2,293,894 2,055 SH   SOLE 0 0 0 2,055
CISCO SYS INC COM 17275R102   201,676 3,992 SH   SOLE 0 0 0 3,992
CLEAN HARBORS INC COM 184496107   246,059 1,410 SH   SOLE 0 0 0 1,410
COCA COLA CO COM 191216100   271,844 4,613 SH   SOLE 0 0 0 4,613
COMCAST CORP NEW CL A 20030N101   202,762 4,624 SH   SOLE 0 0 0 4,624
DBX ETF TR XTRACK USD HIGH 233051432   812,069 22,843 SH   SOLE 0 0 0 22,843
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   726,015 24,838 SH   SOLE 0 0 0 24,838
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   335,213 13,727 SH   SOLE 0 0 0 13,727
EATON CORP PLC SHS G29183103   1,439,140 5,976 SH   SOLE 0 0 0 5,976
EXXON MOBIL CORP COM 30231G102   654,761 6,549 SH   SOLE 0 0 0 6,549
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   639,413 14,335 SH   SOLE 0 0 0 14,335
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   361,807 10,632 SH   SOLE 0 0 0 10,632
HOME DEPOT INC COM 437076102   275,854 796 SH   SOLE 0 390 0 406
INTERNATIONAL BUSINESS MACHS COM 459200101   228,970 1,400 SH   SOLE 0 0 0 1,400
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   3,506,417 171,421 SH   SOLE 0 3,780 0 167,641
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   3,462,796 165,803 SH   SOLE 0 3,725 0 162,078
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   409,175 2,593 SH   SOLE 0 0 0 2,593
INVESCO QQQ TR UNIT SER 1 46090E103   3,431,045 8,378 SH   SOLE 0 0 0 8,378
ISHARES INC MSCI JPN ETF NEW 46434G822   546,858 8,526 SH   SOLE 0 0 0 8,526
ISHARES INC CORE MSCI EMKT 46434G103   833,002 16,469 SH   SOLE 0 0 0 16,469
ISHARES TR CORE MSCI EAFE 46432F842   3,047,773 43,323 SH   SOLE 0 0 0 43,323
ISHARES TR MSCI USA MIN VOL 46429B697   658,573 8,440 SH   SOLE 0 0 0 8,440
ISHARES TR MSCI EAFE MIN VL 46429B689   235,201 3,392 SH   SOLE 0 0 0 3,392
ISHARES TR A RATE CP BD ETF 46429B291   7,094,025 147,393 SH   SOLE 0 1,870 0 145,523
ISHARES TR CORE DIV GRWTH 46434V621   200,641 3,728 SH   SOLE 0 0 0 3,728
ISHARES TR SHRT NAT MUN ETF 464288158   495,626 4,701 SH   SOLE 0 375 0 4,326
ISHARES TR MSCI USA QLT FCT 46432F339   3,938,349 26,766 SH   SOLE 0 0 0 26,766
ISHARES TR 10+ YR INVST GRD 464289511   331,736 6,296 SH   SOLE 0 0 0 6,296
ISHARES TR GOV/CRED BD ETF 464288596   3,411,451 32,419 SH   SOLE 0 835 0 31,584
ISHARES TR JPMORGAN USD EMG 464288281   2,139,845 24,027 SH   SOLE 0 585 0 23,442
ISHARES TR NATIONAL MUN ETF 464288414   2,620,270 24,170 SH   SOLE 0 1,400 0 22,770
ISHARES TR MSCI ACWI EX US 464288240   305,883 5,993 SH   SOLE 0 265 0 5,728
ISHARES TR CORE MSCI INTL 46435G326   302,640 4,754 SH   SOLE 0 0 0 4,754
ISHARES TR IBONDS DEC 46435U697   302,473 11,665 SH   SOLE 0 0 0 11,665
ISHARES TR IBONDS DEC 25 46435U432   302,746 11,405 SH   SOLE 0 0 0 11,405
ISHARES TR CORE S&P MCP ETF 464287507   6,696,775 24,163 SH   SOLE 0 255 0 23,908
ISHARES TR CORE S&P SCP ETF 464287804   669,959 6,189 SH   SOLE 0 0 0 6,189
ISHARES TR S&P 500 VAL ETF 464287408   567,229 3,262 SH   SOLE 0 0 0 3,262
ISHARES TR CORE S&P500 ETF 464287200   40,202,595 84,171 SH   SOLE 0 2,056 0 82,115
ISHARES TR S&P 500 GRWT ETF 464287309   581,349 7,741 SH   SOLE 0 0 0 7,741
ISHARES TR RUSSELL 2000 ETF 464287655   207,133 1,032 SH   SOLE 0 0 0 1,032
ISHARES TR MSCI EAFE ETF 464287465   17,193,438 228,181 SH   SOLE 0 3,030 0 225,151
ISHARES TR MSCI EMG MKT ETF 464287234   8,656,168 215,274 SH   SOLE 0 2,280 0 212,994
ISHARES TR 20 YR TR BD ETF 464287432   276,567 2,797 SH   SOLE 0 0 0 2,797
ISHARES TR IBOXX INV CP ETF 464287242   440,688 3,982 SH   SOLE 0 0 0 3,982
ISHARES TR CORE US AGGBD ET 464287226   15,231,104 153,462 SH   SOLE 0 2,954 0 150,508
ISHARES TR CORE S&P TTL STK 464287150   252,973 2,404 SH   SOLE 0 0 0 2,404
ISHARES TR ISHS 1-5YR INVS 464288646   211,509 4,125 SH   SOLE 0 550 0 3,575
ISHARES TR MBS ETF 464288588   710,680 7,554 SH   SOLE 0 0 0 7,554
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191   277,574 4,905 SH   SOLE 0 0 0 4,905
JANUS DETROIT STR TR HENDERSON MTG 47103U852   579,901 12,623 SH   SOLE 0 0 0 12,623
JOHNSON & JOHNSON COM 478160104   363,010 2,316 SH   SOLE 0 0 0 2,316
JPMORGAN CHASE & CO COM 46625H100   1,122,320 6,598 SH   SOLE 0 0 0 6,598
KLA CORP COM NEW 482480100   1,421,860 2,446 SH   SOLE 0 0 0 2,446
LOWES COS INC COM 548661107   295,324 1,327 SH   SOLE 0 0 0 1,327
MEDTRONIC PLC SHS G5960L103   1,334,721 16,202 SH   SOLE 0 0 0 16,202
MERCK & CO INC COM 58933Y105   2,136,683 19,599 SH   SOLE 0 0 0 19,599
META PLATFORMS INC CL A 30303M102   263,346 744 SH   SOLE 0 0 0 744
MICROSOFT CORP COM 594918104   5,340,677 14,202 SH   SOLE 0 0 0 14,202
NXP SEMICONDUCTORS N V COM N6596X109   1,036,776 4,514 SH   SOLE 0 0 0 4,514
ORACLE CORP COM 68389X105   285,188 2,705 SH   SOLE 0 0 0 2,705
PEPSICO INC COM 713448108   1,157,790 6,817 SH   SOLE 0 0 0 6,817
PIMCO ETF TR ACTIVE BD ETF 72201R775   726,565 7,859 SH   SOLE 0 0 0 7,859
PNC FINL SVCS GROUP INC COM 693475105   1,059,793 6,844 SH   SOLE 0 0 0 6,844
PROCTER AND GAMBLE CO COM 742718109   299,381 2,043 SH   SOLE 0 0 0 2,043
PROLOGIS INC. COM 74340W103   1,454,303 10,910 SH   SOLE 0 0 0 10,910
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   829,351 9,997 SH   SOLE 0 0 0 9,997
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   354,005 5,050 SH   SOLE 0 0 0 5,050
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   4,232,082 58,245 SH   SOLE 0 0 0 58,245
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,815,052 21,649 SH   SOLE 0 0 0 21,649
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,712,492 45,545 SH   SOLE 0 0 0 45,545
SELECT SECTOR SPDR TR INDL 81369Y704   3,115,119 27,328 SH   SOLE 0 0 0 27,328
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,631,779 13,673 SH   SOLE 0 0 0 13,673
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,326,144 18,411 SH   SOLE 0 0 0 18,411
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,992,177 21,940 SH   SOLE 0 0 0 21,940
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   4,360,997 24,389 SH   SOLE 0 0 0 24,389
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,197,887 18,915 SH   SOLE 0 0 0 18,915
SOUTHERN CO COM 842587107   274,660 3,917 SH   SOLE 0 0 0 3,917
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,807,304 79,280 SH   SOLE 0 0 0 79,280
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,931,526 86,196 SH   SOLE 0 0 0 86,196
SPDR S&P 500 ETF TR TR UNIT 78462F103   339,847 715 SH   SOLE 0 0 0 715
SPDR SER TR PRTFLO S&P500 GW 78464A409   5,314,621 81,688 SH   SOLE 0 0 0 81,688
SPDR SER TR PORTFOLI S&P1500 78464A805   1,004,171 17,180 SH   SOLE 0 370 0 16,810
SPDR SER TR PRTFLO S&P500 VL 78464A508   5,151,916 110,485 SH   SOLE 0 0 0 110,485
SPDR SER TR PORTFOLIO S&P400 78464A847   455,093 9,341 SH   SOLE 0 0 0 9,341
SPDR SER TR PORTFOLIO SHORT 78464A474   251,612 8,449 SH   SOLE 0 0 0 8,449
SPDR SER TR PORTFOLIO S&P500 78464A854   1,446,189 25,871 SH   SOLE 0 0 0 25,871
SPDR SER TR NUVEEN BLMBRG MU 78468R721   213,850 4,550 SH   SOLE 0 0 0 4,550
SPDR SER TR PORTFOLIO S&P600 78468R853   3,383,089 80,206 SH   SOLE 0 690 0 79,516
SPDR SER TR SPDR S&P 500 ETF 78468R796   213,727 5,507 SH   SOLE 0 0 0 5,507
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   657,685 16,340 SH   SOLE 0 0 0 16,340
STRYKER CORPORATION COM 863667101   247,354 826 SH   SOLE 0 0 0 826
SYSCO CORP COM 871829107   336,252 4,598 SH   SOLE 0 0 0 4,598
TJX COS INC NEW COM 872540109   1,307,805 13,941 SH   SOLE 0 0 0 13,941
UNITEDHEALTH GROUP INC COM 91324P102   324,832 617 SH   SOLE 0 0 0 617
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   884,812 30,744 SH   SOLE 0 0 0 30,744
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   225,539 8,897 SH   SOLE 0 0 0 8,897
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   570,160 7,752 SH   SOLE 0 0 0 7,752
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   220,970 2,869 SH   SOLE 0 0 0 2,869
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   263,856 5,345 SH   SOLE 0 0 0 5,345
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   504,455 1,155 SH   SOLE 0 0 0 1,155
VANGUARD INDEX FDS GROWTH ETF 922908736   410,051 1,319 SH   SOLE 0 0 0 1,319
VANGUARD INDEX FDS VALUE ETF 922908744   450,444 3,013 SH   SOLE 0 0 0 3,013
VANGUARD INDEX FDS TOTAL STK MKT 922908769   453,327 1,911 SH   SOLE 0 0 0 1,911
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   263,181 6,403 SH   SOLE 0 0 0 6,403
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   219,879 4,630 SH   SOLE 0 0 0 4,630
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   679,653 14,189 SH   SOLE 0 0 0 14,189
VANGUARD WORLD FD MEGA GRWTH IND 921910816   458,814 1,768 SH   SOLE 0 0 0 1,768
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   422,387 3,862 SH   SOLE 0 0 0 3,862
VISA INC COM CL A 92826C839   2,139,296 8,217 SH   SOLE 0 0 0 8,217
WALMART INC COM 931142103   1,061,574 6,734 SH   SOLE 0 0 0 6,734