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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
INVESCO QQQ TRUST ETF 46090E103 966 2,428 SH   SOLE 0 2,428 0 0
JOHNSON & JOHNSON COM Stock 478160104 626 3,662 SH   SOLE 0 3,661 0 0
ISHARES MSCI USA MULTIFACTOR ETF ETF 46434V282 596 12,810 SH   SOLE 0 12,810 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 494 870 SH   SOLE 0 870 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 333 870 SH   SOLE 0 870 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 581 3,549 SH   SOLE 0 3,548 0 0
VENTAS INC COM REIT 92276F100 314 6,152 SH   SOLE 0 6,152 0 0
INTEL CORP COM Stock 458140100 701 13,620 SH   SOLE 0 13,619 0 0
EQUITY RESIDENTIAL SH BEN INT REIT 29476L107 235 2,593 SH   SOLE 0 2,593 0 0
MERCK & CO INC COM Stock 58933Y105 260 3,393 SH   SOLE 0 3,393 0 0
SPDR S&P 500 ETF ETF 78462F103 255 537 SH   SOLE 0 537 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 2,201 8,920 SH   SOLE 0 8,920 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 3,949 16,000 SH Put SOLE 0 16,000 0 0
ISHARES TIPS BOND ETF ETF 464287176 7,038 54,471 SH   SOLE 0 54,471 0 0
ISHARES S&P 100 ETF ETF 464287101 261 1,192 SH   SOLE 0 1,192 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 418 8,039 SH   SOLE 0 8,039 0 0
ISHARES COHEN & STEERS REIT ETF ETF 464287564 233 3,056 SH   SOLE 0 3,056 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 4,039 39,442 SH   SOLE 0 39,442 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,158 10,244 SH   SOLE 0 10,243 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 691 17,788 SH   SOLE 0 17,788 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 2,297 22,620 SH   SOLE 0 22,619 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 760 2,541 SH   SOLE 0 2,541 0 0
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101 445 784 SH   SOLE 0 784 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 387 4,761 SH   SOLE 0 4,761 0 0
INTUIT COM Stock 461202103 535 832 SH   SOLE 0 832 0 0
MICROSOFT CORP COM Stock 594918104 1,186 3,526 SH   SOLE 0 3,526 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 229 858 SH   SOLE 0 858 0 0
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 2,694 52,983 SH   SOLE 0 52,983 0 0
VANGUARD INFORMATION TECHNOLOGY INDEX FUND ETF 92204A702 279 609 SH   SOLE 0 608 0 0
DEFIANCE NEXT GEN CONNECTIVITY ETF ETF 26922A289 305 7,323 SH   SOLE 0 7,322 0 0
LILLY ELI & CO COM Stock 532457108 1,282 4,640 SH   SOLE 0 4,640 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,501 6,745 SH   SOLE 0 6,745 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 1,473 12,015 SH   SOLE 0 12,014 0 0
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 202 793 SH   SOLE 0 793 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 340 4,208 SH   SOLE 0 4,207 0 0
VANGUARD VALUE INDEX FUND ETF 922908744 419 2,851 SH   SOLE 0 2,851 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 14,784 138,191 SH   SOLE 0 138,191 0 0
META PLATFORMS INC CL A Stock 30303M102 561 1,667 SH   SOLE 0 1,667 0 0
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643 21,767 285,991 SH   SOLE 0 285,991 0 0
SPIRIT RLTY CAP INC NEW COM NEW REIT 84860W300 214 4,439 SH   SOLE 0 4,439 0 0
ISHARES GNMA BOND FUND ETF 46429B333 814 16,363 SH   SOLE 0 16,363 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 5,402 72,374 SH   SOLE 0 72,374 0 0
CF INDS HLDGS INC COM Stock 125269100 203 2,869 SH   SOLE 0 2,869 0 0
NVIDIA CORPORATION COM Stock 67066G104 399 1,356 SH   SOLE 0 1,356 0 0
ABBVIE INC COM Stock 00287Y109 227 1,679 SH   SOLE 0 1,679 0 0
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 9,189 149,945 SH   SOLE 0 149,945 0 0
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 2,556 143,253 SH   SOLE 0 143,252 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608 214 4,687 SH   SOLE 0 4,687 0 0
MCDONALDS CORP COM Stock 580135101 794 2,963 SH   SOLE 0 2,963 0 0
CISCO SYS INC COM Stock 17275R102 341 5,384 SH   SOLE 0 5,384 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF ETF 808524771 20,429 348,557 SH   SOLE 0 348,556 0 0
ISHARES U.S. TELECOMMUNICATIONS ETF ETF 464287713 871 26,471 SH   SOLE 0 26,471 0 0
ISHARES EDGE MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 17,022 93,622 SH   SOLE 0 93,622 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 605 3,864 SH   SOLE 0 3,864 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 827 9,884 SH   SOLE 0 9,884 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 693 1,452 SH   SOLE 0 1,452 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 396 593 SH   SOLE 0 593 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 299 1,888 SH   SOLE 0 1,888 0 0
CHEVRON CORP NEW COM Stock 166764100 297 2,533 SH   SOLE 0 2,532 0 0
BK OF AMERICA CORP COM Stock 060505104 322 7,237 SH   SOLE 0 7,237 0 0
WALMART INC COM Stock 931142103 224 1,545 SH   SOLE 0 1,545 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 919 29,468 SH   SOLE 0 29,468 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 583 4,362 SH   SOLE 0 4,362 0 0
PFIZER INC COM Stock 717081103 248 4,195 SH   SOLE 0 4,195 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 575 4,340 SH   SOLE 0 4,340 0 0
MORGAN STANLEY COM NEW Stock 617446448 276 2,807 SH   SOLE 0 2,807 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 297 2,709 SH   SOLE 0 2,709 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 611 211 SH   SOLE 0 211 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 458 2,668 SH   SOLE 0 2,668 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 599 5,254 SH   SOLE 0 5,254 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 502 5,884 SH   SOLE 0 5,884 0 0
NUCOR CORP COM Stock 670346105 271 2,373 SH   SOLE 0 2,373 0 0
ROPER TECHNOLOGIES INC COM Stock 776696106 304 618 SH   SOLE 0 618 0 0
ALTRIA GROUP INC COM Stock 02209S103 325 6,850 SH   SOLE 0 6,849 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 734 2,592 SH   SOLE 0 2,592 0 0
ISHARES MSCI EAFE ETF ETF 464287465 201 2,554 SH   SOLE 0 2,554 0 0
APPLE INC COM Stock 037833100 3,206 18,054 SH   SOLE 0 18,054 0 0
ABBOTT LABS COM Stock 002824100 210 1,491 SH   SOLE 0 1,491 0 0