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 C 02079K107   6,445,318 42,331 SH   SOLE   0 0 42,331
AMAZON COM INC COM 023135106   5,593,584 31,010 SH   SOLE   0 0 31,010
AMERICAN WTR WKS CO INC NEW COM 030420103   1,597,786 13,074 SH   SOLE   0 0 13,074
APPLE INC COM 037833100   5,234,291 30,524 SH   SOLE   0 0 30,524
ASPEN TECHNOLOGY INC COM 29109X106   2,778,736 13,029 SH   SOLE   0 0 13,029
AUTODESK INC COM 052769106   3,692,495 14,179 SH   SOLE   0 0 14,179
BANCO SANTANDER S.A. ADR 05964H105   118,595 24,503 SH   SOLE   0 0 24,503
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,268,880 2 SH   SOLE   0 0 2
COSTCO WHSL CORP NEW COM 22160K105   3,612,826 4,931 SH   SOLE   0 0 4,931
CROWDSTRIKE HLDGS INC CL A 22788C105   1,521,200 4,745 SH   SOLE   0 0 4,745
ELI LILLY & CO COM 532457108   9,238,294 11,875 SH   SOLE   0 0 11,875
GENERAL ELECTRIC CO COM NEW 369604301   533,260 3,038 SH   SOLE   0 0 3,038
HEICO CORP NEW COM 422806109   1,546,527 8,097 SH   SOLE   0 0 8,097
HOME DEPOT INC COM 437076102   294,605 768 SH   SOLE   0 0 768
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   4,165,508 37,851 SH   SOLE   0 0 37,851
ISHARES TR CORE US AGGBD ET 464287226   26,120,440 266,698 SH   SOLE   0 0 266,698
ISHARES TR MSCI KLD400 SOC 464288570   201,116 1,995 SH   SOLE   0 0 1,995
ISHARES TR US TREAS BD ETF 46429B267   2,126,734 93,401 SH   SOLE   0 0 93,401
ISHARES TR ISHARES BIOTECH 464287556   2,748,517 20,030 SH   SOLE   0 0 20,030
ISHARES TR BLACKROCK ULTRA 46434V878   6,395,692 126,497 SH   SOLE   0 0 126,497
ISHARES TR U.S. MED DVC ETF 464288810   4,108,610 70,125 SH   SOLE   0 0 70,125
ISHARES TR CORE S&P SCP ETF 464287804   4,185,610 37,872 SH   SOLE   0 0 37,872
ISHARES TR MSCI INTL QUALTY 46434V456   8,414,577 212,168 SH   SOLE   0 0 212,168
ISHARES TR CORE S&P TTL STK 464287150   2,509,504 21,765 SH   SOLE   0 0 21,765
ISHARES TR CORE TOTAL USD 46434V613   350,861 7,696 SH   SOLE   0 0 7,696
ISHARES TR CORE S&P500 ETF 464287200   24,643,038 46,874 SH   SOLE   0 0 46,874
ISHARES TR CORE MSCI TOTAL 46432F834   836,510 12,327 SH   SOLE   0 0 12,327
ISHARES TR MBS ETF 464288588   6,354,933 68,761 SH   SOLE   0 0 68,761
ISHARES TR MSCI USA MIN VOL 46429B697   6,534,426 78,182 SH   SOLE   0 0 78,182
ISHARES TR MSCI USA VALUE 46432F388   3,977,712 36,725 SH   SOLE   0 0 36,725
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   223,778 5,377 SH   SOLE   0 0 5,377
JPMORGAN CHASE & CO COM 46625H100   3,694,127 18,443 SH   SOLE   0 0 18,443
META PLATFORMS INC CL A 30303M102   6,141,493 12,648 SH   SOLE   0 0 12,648
MICROSOFT CORP COM 594918104   8,964,583 21,308 SH   SOLE   0 0 21,308
NETFLIX INC COM 64110L106   1,922,199 3,165 SH   SOLE   0 0 3,165
NVIDIA CORPORATION COM 67066G104   1,808,033 2,001 SH   SOLE   0 0 2,001
ORACLE CORP COM 68389X105   369,670 2,943 SH   SOLE   0 0 2,943
OTIS WORLDWIDE CORP COM 68902V107   1,603,927 16,157 SH   SOLE   0 0 16,157
PALO ALTO NETWORKS INC COM 697435105   2,090,060 7,356 SH   SOLE   0 0 7,356
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,596,676 15,881 SH   SOLE   0 0 15,881
S&P GLOBAL INC COM 78409V104   1,475,040 3,467 SH   SOLE   0 0 3,467
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,990,235 21,465 SH   SOLE   0 0 21,465
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   8,878,145 42,628 SH   SOLE   0 0 42,628
SPDR SER TR PORTFOLIO AGRGTE 78464A649   546,566 21,620 SH   SOLE   0 0 21,620
SPDR SER TR PORT MTG BK ETF 78464A383   200,649 9,238 SH   SOLE   0 0 9,238
SPDR SER TR PORTFOLIO LN TSR 78464A664   4,230,523 151,415 SH   SOLE   0 0 151,415
SPDR SER TR PRTFLO S&P500 GW 78464A409   267,290 3,654 SH   SOLE   0 0 3,654
STRYKER CORPORATION COM 863667101   4,093,026 11,437 SH   SOLE   0 0 11,437
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   2,455,975 18,052 SH   SOLE   0 0 18,052
TRANSDIGM GROUP INC COM 893641100   2,343,823 1,903 SH   SOLE   0 0 1,903
UNITEDHEALTH GROUP INC COM 91324P102   2,685,274 5,428 SH   SOLE   0 0 5,428
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   971,444 33,475 SH   SOLE   0 0 33,475
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   5,951,250 66,199 SH   SOLE   0 0 66,199
VANECK MERK GOLD TR GOLD TRUST 921078101   226,227 10,532 SH   SOLE   0 0 10,532
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,992,277 39,373 SH   SOLE   0 0 39,373
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   496,034 8,542 SH   SOLE   0 0 8,542
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   16,970,403 92,932 SH   SOLE   0 0 92,932
VEEVA SYS INC CL A COM 922475108   3,263,585 14,086 SH   SOLE   0 0 14,086
VISA INC COM CL A 92826C839   2,298,519 8,236 SH   SOLE   0 0 8,236
WALMART INC COM 931142103   2,978,796 49,506 SH   SOLE   0 0 49,506