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
TRANE TECHNOLOGIES PLC SHS G8994E103   365,850 1,500 SH   SOLE   0 0 1,500
AT&T INC COM 00206R102   294,459 17,548 SH   SOLE   0 0 17,548
ABBVIE INC COM 00287Y109   245,627 1,585 SH   SOLE   0 0 1,585
ALLSTATE CORP COM 020002101   257,423 1,839 SH   SOLE   0 0 1,839
ALPHABET INC CAP STK CL C 02079K107   755,385 5,360 SH   SOLE   0 0 5,360
ALPHABET INC CAP STK CL A 02079K305   810,342 5,801 SH   SOLE   0 0 5,801
AMAZON COM INC COM 023135106   1,917,787 12,622 SH   SOLE   0 0 12,622
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   265,779 5,215 SH   SOLE   0 0 5,215
AMERICAN EXPRESS CO COM 025816109   227,618 1,215 SH   SOLE   0 0 1,215
AMGEN INC COM 031162100   302,629 1,051 SH   SOLE   0 0 1,051
APPLE INC COM 037833100   2,878,562 14,954 SH   SOLE   0 0 14,954
BANK MONTREAL QUE COM 063671101   207,774 2,100 SH   SOLE   0 0 2,100
BANK NEW YORK MELLON CORP COM 064058100   281,747 5,413 SH   SOLE   0 0 5,413
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,965,910 5,512 SH   SOLE   0 0 5,512
BOEING CO COM 097023105   300,020 1,151 SH   SOLE   0 0 1,151
BRISTOL-MYERS SQUIBB CO COM 110122108   200,241 3,903 SH   SOLE   0 0 3,903
CHEVRON CORP NEW COM 166764100   1,356,583 9,095 SH   SOLE   0 0 9,095
COCA COLA CO COM 191216100   512,755 8,701 SH   SOLE   0 0 8,701
COSTCO WHSL CORP NEW COM 22160K105   478,105 724 SH   SOLE   0 0 724
CROCS INC COM 227046109   219,887 2,354 SH   SOLE   0 0 2,354
ETF SER SOLUTIONS US DIVERSIFIED 26922A511   357,731 11,826 SH   SOLE   0 0 11,826
ENTERPRISE PRODS PARTNERS L COM 293792107   677,300 25,704 SH   SOLE   0 0 25,704
EXXON MOBIL CORP COM 30231G102   1,821,680 18,220 SH   SOLE   0 0 18,220
META PLATFORMS INC CL A 30303M102   3,420,315 9,663 SH   SOLE   0 0 9,663
FLEXSHARES TR QUALT DIVD IDX 33939L860   502,085 8,160 SH   SOLE   0 0 8,160
GLOBAL X FDS RATE PREFERRED 37954Y376   234,802 10,138 SH   SOLE   0 0 10,138
GLOBAL X FDS US PFD ETF 37954Y657   487,925 25,151 SH   SOLE   0 0 25,151
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889   329,518 5,682 SH   SOLE   0 0 5,682
HOME DEPOT INC COM 437076102   1,337,420 3,859 SH   SOLE   0 0 3,859
INNOVATOR ETFS TR US EQTY PWR BUF 45782C417   469,409 14,377 SH   SOLE   0 0 14,377
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508   441,443 11,854 SH   SOLE   0 0 11,854
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540   572,165 16,301 SH   SOLE   0 0 16,301
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   360,137 10,789 SH   SOLE   0 0 10,789
INTERNATIONAL BUSINESS MACHS COM 459200101   619,200 3,786 SH   SOLE   0 0 3,786
ISHARES SILVER TR ISHARES 46428Q109   271,161 12,450 SH   SOLE   0 0 12,450
ISHARES TR CORE S&P500 ETF 464287200   1,747,878 3,659 SH   SOLE   0 0 3,659
ISHARES TR CORE US AGGBD ET 464287226   8,165,226 82,269 SH   SOLE   0 0 82,269
ISHARES TR MSCI EAFE ETF 464287465   1,233,378 16,369 SH   SOLE   0 0 16,369
ISHARES TR RUS MDCP VAL ETF 464287473   344,218 2,960 SH   SOLE   0 0 2,960
ISHARES TR RUS 1000 ETF 464287622   7,797,015 29,730 SH   SOLE   0 0 29,730
ISHARES TR RUS 2000 VAL ETF 464287630   749,933 4,828 SH   SOLE   0 0 4,828
ISHARES TR RUSSELL 2000 ETF 464287655   2,780,783 13,855 SH   SOLE   0 0 13,855
ISHARES TR CORE S&P US VLU 464287663   730,719 8,665 SH   SOLE   0 0 8,665
ISHARES TR RUSSELL 3000 ETF 464287689   973,691 3,557 SH   SOLE   0 0 3,557
ISHARES TR U.S. TECH ETF 464287721   201,862 1,645 SH   SOLE   0 0 1,645
ISHARES TR CORE S&P SCP ETF 464287804   683,128 6,311 SH   SOLE   0 0 6,311
ISHARES TR SHRT NAT MUN ETF 464288158   248,375 2,356 SH   SOLE   0 0 2,356
ISHARES TR GLB INFRASTR ETF 464288372   355,951 7,565 SH   SOLE   0 0 7,565
ISHARES TR NATIONAL MUN ETF 464288414   215,627 1,989 SH   SOLE   0 0 1,989
ISHARES TR US AER DEF ETF 464288760   560,078 4,424 SH   SOLE   0 0 4,424
ISHARES TR CORE HIGH DV ETF 46429B663   367,164 3,600 SH   SOLE   0 0 3,600
ISHARES TR MSCI USA QLT FCT 46432F339   539,189 3,664 SH   SOLE   0 0 3,664
ISHARES TR CORE MSCI TOTAL 46432F834   1,950,907 30,046 SH   SOLE   0 0 30,046
ISHARES TR CORE MSCI EAFE 46432F842   1,634,088 23,228 SH   SOLE   0 0 23,228
ISHARES INC CORE MSCI EMKT 46434G103   1,038,254 20,527 SH   SOLE   0 0 20,527
ISHARES TR MSCI INTL QUALTY 46434V456   553,822 14,745 SH   SOLE   0 0 14,745
ISHARES TR CORE TOTAL USD 46434V613   18,048,986 391,773 SH   SOLE   0 0 391,773
ISHARES TR HDG MSCI EAFE 46434V803   1,368,812 43,441 SH   SOLE   0 0 43,441
ISHARES TR RUSEL 2500 ETF 46435G268   246,280 4,000 SH   SOLE   0 0 4,000
ISHARES TR ESG MSCI LEADR 46435U218   263,868 3,127 SH   SOLE   0 0 3,127
JPMORGAN CHASE & CO COM 46625H100   932,321 5,481 SH   SOLE   0 0 5,481
JOHNSON & JOHNSON COM 478160104   699,426 4,462 SH   SOLE   0 0 4,462
LOWES COS INC COM 548661107   445,100 2,000 SH   SOLE   0 0 2,000
MERCK & CO INC COM 58933Y105   454,177 4,166 SH   SOLE   0 0 4,166
MICROSOFT CORP COM 594918104   2,821,897 7,504 SH   SOLE   0 0 7,504
MORGAN STANLEY COM NEW 617446448   207,852 2,229 SH   SOLE   0 0 2,229
NEXTERA ENERGY INC COM 65339F101   2,486,105 40,930 SH   SOLE   0 0 40,930
NORFOLK SOUTHN CORP COM 655844108   878,152 3,715 SH   SOLE   0 0 3,715
ONEOK INC NEW COM 682680103   406,175 5,784 SH   SOLE   0 0 5,784
PACER FDS TR PACER US SMALL 69374H857   2,184,980 45,492 SH   SOLE   0 0 45,492
PACER FDS TR US CASH COWS 100 69374H881   1,896,692 36,482 SH   SOLE   0 0 36,482
PEPSICO INC COM 713448108   277,551 1,634 SH   SOLE   0 0 1,634
PROCTER AND GAMBLE CO COM 742718109   225,379 1,538 SH   SOLE   0 0 1,538
ROYAL BK CDA COM 780087102   246,150 2,434 SH   SOLE   0 0 2,434
SPDR S&P 500 ETF TR TR UNIT 78462F103   18,052,267 37,980 SH   SOLE   0 0 37,980
SPDR GOLD TR GOLD SHS 78463V107   1,751,691 9,163 SH   SOLE   0 0 9,163
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   283,280 8,000 SH   SOLE   0 0 8,000
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   1,333,643 23,542 SH   SOLE   0 0 23,542
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,031,061 12,376 SH   SOLE   0 0 12,376
SPDR SER TR S&P DIVID ETF 78464A763   4,486,088 35,897 SH   SOLE   0 0 35,897
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   5,216,129 10,281 SH   SOLE   0 0 10,281
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,599,276 64,654 SH   SOLE   0 0 64,654
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   928,695 16,466 SH   SOLE   0 0 16,466
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   208,476 2,974 SH   SOLE   0 0 2,974
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   310,082 4,117 SH   SOLE   0 0 4,117
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,427,677 30,222 SH   SOLE   0 0 30,222
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   843,675 34,033 SH   SOLE   0 0 34,033
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   552,588 20,361 SH   SOLE   0 0 20,361
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   4,620,498 136,985 SH   SOLE   0 0 136,985
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   15,738,966 254,100 SH   SOLE   0 0 254,100
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   665,203 8,738 SH   SOLE   0 0 8,738
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,022,607 162,949 SH   SOLE   0 0 162,949
SCHWAB STRATEGIC TR US REIT ETF 808524847   8,326,291 402,042 SH   SOLE   0 0 402,042
SELECT SECTOR SPDR TR ENERGY 81369Y506   334,212 3,986 SH   SOLE   0 0 3,986
SOUTHERN CO COM 842587107   527,583 7,524 SH   SOLE   0 0 7,524
TESLA INC COM 88160R101   546,041 2,197 SH   SOLE   0 0 2,197
3M CO COM 88579Y101   311,234 2,847 SH   SOLE   0 0 2,847
374WATER INC COM 88583P104   60,894 42,883 SH   SOLE   0 0 42,883
TORONTO DOMINION BK ONT COM NEW 891160509   241,679 3,740 SH   SOLE   0 0 3,740
UMH PPTYS INC COM 903002103   173,070 11,297 SH   SOLE   0 0 11,297
UNIFIED SER TR ONEASCENT INTL 90470L444   276,488 9,094 SH   SOLE   0 0 9,094
UNION PAC CORP COM 907818108   892,092 3,632 SH   SOLE   0 0 3,632
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   26,304,264 154,368 SH   SOLE   0 0 154,368
VANGUARD WORLD FD ESG US STK ETF 921910733   412,280 4,847 SH   SOLE   0 0 4,847
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870   1,692,688 16,692 SH   SOLE   0 0 16,692
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,447,273 51,091 SH   SOLE   0 0 51,091
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   256,120 2,294 SH   SOLE   0 0 2,294
VANGUARD WORLD FDS ENERGY ETF 92204A306   252,152 2,150 SH   SOLE   0 0 2,150
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   14,077,179 250,751 SH   SOLE   0 0 250,751
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   497,105 12,095 SH   SOLE   0 0 12,095
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   9,400,870 121,505 SH   SOLE   0 0 121,505
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   229,856 1,080 SH   SOLE   0 0 1,080
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   957,849 11,785 SH   SOLE   0 0 11,785
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   8,880,775 173,962 SH   SOLE   0 0 173,962
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   628,513 1,439 SH   SOLE   0 0 1,439
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   13,883,632 157,126 SH   SOLE   0 0 157,126
VANGUARD INDEX FDS SM CP VAL ETF 922908611   7,578,403 42,109 SH   SOLE   0 0 42,109
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   20,120,786 122,374 SH   SOLE   0 0 122,374
VANGUARD INDEX FDS GROWTH ETF 922908736   355,588 1,144 SH   SOLE   0 0 1,144
VANGUARD INDEX FDS VALUE ETF 922908744   15,099,160 100,998 SH   SOLE   0 0 100,998
VANGUARD INDEX FDS SMALL CP ETF 922908751   203,876 956 SH   SOLE   0 0 956
VANGUARD INDEX FDS TOTAL STK MKT 922908769   15,587,808 65,710 SH   SOLE   0 0 65,710
WALMART INC COM 931142103   246,407 1,563 SH   SOLE   0 0 1,563
VANECK COM 57060U795   373,601 7,654 SH   SOLE   0 0 7,654
OSPREY BITCOIN TRUST COM 68839C206   221,714 17,837 SH   SOLE   0 0 17,837
INVESCO LG GROWTH COM 73935X609   2,854,931 36,743 SH   SOLE   0 0 36,743
INVESCO LG VALUE COM 73935X708   2,004,976 39,515 SH   SOLE   0 0 39,515
INVESCO S&P COM 73935X443   1,761,160 19,853 SH   SOLE   0 0 19,853
INVESCO FTSE COM 73935X583   501,952 14,260 SH   SOLE   0 0 14,260
INVESCO S&P EQL COM 78355W106   6,108,746 38,712 SH   SOLE   0 0 38,712
WEBSTER FINL CORP COM 947890109   258,521 5,093 SH   SOLE   0 0 5,093