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
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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 C 02079K107   1,101,776 10,594 SH   SOLE   0 0 10,594
AMAZON COM INC COM 023135106   284,874 2,758 SH   SOLE   0 0 2,758
AMERISOURCEBERGEN CORP COM 03073E105   563,427 3,519 SH   SOLE   0 0 3,519
APPLE INC COM 037833100   1,964,536 11,914 SH   SOLE   0 0 11,914
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   377,008 1,221 SH   SOLE   0 0 1,221
BOOKING HOLDINGS INC COM 09857L108   620,664 234 SH   SOLE   0 0 234
CHEVRON CORP NEW COM 166764100   573,997 3,518 SH   SOLE   0 0 3,518
DTE ENERGY CO COM 233331107   278,122 2,539 SH   SOLE   0 0 2,539
EA SERIES TRUST STRIVE 500 ETF 02072L680   251,230 9,622 SH   SOLE   0 0 9,622
ELEVANCE HEALTH INC COM 036752103   412,909 898 SH   SOLE   0 0 898
ENBRIDGE INC COM 29250N105   385,391 10,102 SH   SOLE   0 0 10,102
EXXON MOBIL CORP COM 30231G102   3,885,692 35,434 SH   SOLE   0 0 35,434
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   1,677,032 14,717 SH   SOLE   0 0 14,717
HOME DEPOT INC COM 437076102   214,257 726 SH   SOLE   0 0 726
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   2,048,729 88,193 SH   SOLE   0 0 88,193
INVESCO QQQ TR UNIT SER 1 46090E103   977,291 3,045 SH   SOLE   0 0 3,045
IQVIA HLDGS INC COM 46266C105   697,507 3,507 SH   SOLE   0 0 3,507
ISHARES INC CORE MSCI EMKT 46434G103   1,838,846 37,689 SH   SOLE   0 0 37,689
ISHARES TR ESG AWR MSCI USA 46435G425   23,300,138 257,602 SH   SOLE   0 0 257,602
ISHARES TR CORE US AGGBD ET 464287226   438,316 4,399 SH   SOLE   0 0 4,399
ISHARES TR CONV BD ETF 46435G102   511,641 7,045 SH   SOLE   0 0 7,045
ISHARES TR AGGRES ALLOC ETF 464289859   418,804 6,586 SH   SOLE   0 0 6,586
ISHARES TR MSCI ACWI ETF 464288257   448,507 4,920 SH   SOLE   0 0 4,920
ISHARES TR GLOBAL FINLS ETF 464287333   712,983 10,332 SH   SOLE   0 0 10,332
ISHARES TR CORE MSCI EAFE 46432F842   216,695 3,242 SH   SOLE   0 0 3,242
ISHARES TR FALN ANGLS USD 46435G474   5,171,288 204,641 SH   SOLE   0 0 204,641
ISHARES TR IBONDS DEC 28 46435U325   560,947 21,912 SH   SOLE   0 0 21,912
ISHARES TR CORE TOTAL USD 46434V613   8,704,080 188,604 SH   SOLE   0 0 188,604
ISHARES TR US TREAS BD ETF 46429B267   9,952,198 425,671 SH   SOLE   0 0 425,671
ISHARES TR CORE MSCI TOTAL 46432F834   370,089 5,974 SH   SOLE   0 0 5,974
ISHARES TR CORE S&P SCP ETF 464287804   1,294,458 13,386 SH   SOLE   0 0 13,386
ISHARES TR INTL SEL DIV ETF 464288448   262,639 9,554 SH   SOLE   0 0 9,554
ISHARES TR MSCI USA SZE FT 46432F370   567,260 4,813 SH   SOLE   0 0 4,813
ISHARES TR JPMORGAN USD EMG 464288281   834,568 9,673 SH   SOLE   0 0 9,673
ISHARES TR U.S. TECH ETF 464287721   1,369,554 14,757 SH   SOLE   0 0 14,757
ISHARES TR MSCI USA VALUE 46432F388   2,690,632 29,060 SH   SOLE   0 0 29,060
ISHARES TR 10-20 YR TRS ETF 464288653   2,646,445 23,105 SH   SOLE   0 0 23,105
ISHARES TR MSCI USA MIN VOL 46429B697   2,177,026 29,929 SH   SOLE   0 0 29,929
ISHARES TR MSCI USA QLT FCT 46432F339   364,503 2,938 SH   SOLE   0 0 2,938
ISHARES TR U.S. MED DVC ETF 464288810   491,931 9,113 SH   SOLE   0 0 9,113
ISHARES TR NATIONAL MUN ETF 464288414   276,569 2,567 SH   SOLE   0 0 2,567
ISHARES TR SHRT NAT MUN ETF 464288158   388,049 3,707 SH   SOLE   0 0 3,707
ISHARES TR MBS ETF 464288588   5,355,332 56,533 SH   SOLE   0 0 56,533
ISHARES TR BROAD USD HIGH 46435U853   217,886 6,129 SH   SOLE   0 0 6,129
ISHARES TR 10+ YR INVST GRD 464289511   230,385 4,398 SH   SOLE   0 0 4,398
ISHARES TR 0-5YR HI YL CP 46434V407   727,822 17,462 SH   SOLE   0 0 17,462
ISHARES TR MSCI EAFE ETF 464287465   228,578 3,196 SH   SOLE   0 0 3,196
ISHARES TR ISHS 1-5YR INVS 464288646   799,678 15,823 SH   SOLE   0 0 15,823
ISHARES TR EAFE VALUE ETF 464288877   9,743,053 200,764 SH   SOLE   0 0 200,764
ISHARES TR US INFRASTRUC 46435U713   464,766 12,454 SH   SOLE   0 0 12,454
ISHARES TR IBONDS DEC 27 46435U283   304,400 11,956 SH   SOLE   0 0 11,956
ISHARES TR CORE S&P500 ETF 464287200   1,467,900 3,571 SH   SOLE   0 0 3,571
ISHARES TR EAFE GRWTH ETF 464288885   8,938,422 95,414 SH   SOLE   0 0 95,414
ISHARES TR CORE HIGH DV ETF 46429B663   527,189 5,186 SH   SOLE   0 0 5,186
ISHARES TR MSCI USA MMENTM 46432F396   1,204,382 8,662 SH   SOLE   0 0 8,662
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   1,675,244 61,977 SH   SOLE   0 0 61,977
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   285,821 5,721 SH   SOLE   0 0 5,721
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102   657,671 24,978 SH   SOLE   0 0 24,978
LOWES COS INC COM 548661107   283,957 1,420 SH   SOLE   0 0 1,420
MASTERCARD INCORPORATED CL A 57636Q104   1,102,586 3,034 SH   SOLE   0 0 3,034
META PLATFORMS INC CL A 30303M102   383,399 1,809 SH   SOLE   0 0 1,809
MICROSOFT CORP COM 594918104   490,804 1,702 SH   SOLE   0 0 1,702
QUALCOMM INC COM 747525103   349,570 2,740 SH   SOLE   0 0 2,740
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,612,611 38,460 SH   SOLE   0 0 38,460
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   10,365,635 220,969 SH   SOLE   0 0 220,969
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   2,442,860 51,358 SH   SOLE   0 0 51,358
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,616,280 48,802 SH   SOLE   0 0 48,802
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,012,542 24,297 SH   SOLE   0 0 24,297
SOUTHERN CO COM 842587107   235,415 3,383 SH   SOLE   0 0 3,383
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   247,709 7,712 SH   SOLE   0 0 7,712
SPDR S&P 500 ETF TR TR UNIT 78462F103   216,567 529 SH   SOLE   0 0 529
SPDR SER TR PORTFOLIO INTRMD 78464A375   536,757 16,521 SH   SOLE   0 0 16,521
SPDR SER TR PORTFOLIO AGRGTE 78464A649   276,495 10,721 SH   SOLE   0 0 10,721
SPDR SER TR PORTFOLIO LN COR 78464A367   222,748 9,430 SH   SOLE   0 0 9,430
SPDR SER TR PRTFLO S&P500 GW 78464A409   216,624 3,913 SH   SOLE   0 0 3,913
SPDR SER TR BLOOMBERG INTL T 78464A516   325,229 14,067 SH   SOLE   0 0 14,067
SPDR SER TR S&P OILGAS EXP 78468R556   200,189 1,569 SH   SOLE   0 0 1,569
SPDR SER TR PORTFOLIO S&P500 78464A854   33,803,467 702,045 SH   SOLE   0 0 702,045
TRANSOCEAN LTD REG SHS H8817H100   367,602 57,799 SH   SOLE   0 0 57,799
UNITEDHEALTH GROUP INC COM 91324P102   435,255 921 SH   SOLE   0 0 921
VANGUARD INDEX FDS MID CAP ETF 922908629   286,429 1,358 SH   SOLE   0 0 1,358
VANGUARD INDEX FDS SM CP VAL ETF 922908611   294,817 1,857 SH   SOLE   0 0 1,857
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   205,636 5,090 SH   SOLE   0 0 5,090
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   593,351 6,443 SH   SOLE   0 0 6,443
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,463,732 22,490 SH   SOLE   0 0 22,490
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   278,067 6,156 SH   SOLE   0 0 6,156
VANGUARD WORLD FD MEGA CAP INDEX 921910873   442,239 3,090 SH   SOLE   0 0 3,090
VANGUARD WORLD FD MEGA GRWTH IND 921910816   600,441 2,936 SH   SOLE   0 0 2,936
VISA INC COM CL A 92826C839   487,445 2,162 SH   SOLE   0 0 2,162
VOYA GLBL EQTY DIV & PREM OP COM 92912T100   84,150 16,500 SH   SOLE   0 0 16,500
WISDOMTREE TR EM EX ST-OWNED 97717X578   2,839,363 101,989 SH   SOLE   0 0 101,989
WP CAREY INC COM 92936U109   929,865 12,006 SH   SOLE   0 0 12,006