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 14,132 38,980 SH   SOLE 0 38,980 0 0
JOHNSON & JOHNSON COM Stock 478160104 644 3,635 SH   SOLE 0 3,634 0 0
ISHARES MSCI USA MULTIFACTOR ETF ETF 46434V282 566 12,729 SH   SOLE 0 12,729 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 311 540 SH   SOLE 0 540 0 0
CLEVELAND-CLIFFS INC NEW COM Stock 185899101 258 8,000 SH   SOLE 0 8,000 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 287 870 SH   SOLE 0 870 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 555 3,633 SH   SOLE 0 3,633 0 0
VENTAS INC COM REIT 92276F100 369 5,977 SH   SOLE 0 5,977 0 0
INTEL CORP COM Stock 458140100 623 12,562 SH   SOLE 0 12,562 0 0
EQUITY RESIDENTIAL SH BEN INT REIT 29476L107 233 2,593 SH   SOLE 0 2,593 0 0
MERCK & CO INC COM Stock 58933Y105 278 3,393 SH   SOLE 0 3,393 0 0
SPDR S&P 500 ETF ETF 78462F103 243 537 SH   SOLE 0 537 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 1,868 8,920 SH   SOLE 0 8,920 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 3,350 16,000 SH Put SOLE 0 16,000 0 0
ISHARES TIPS BOND ETF ETF 464287176 7,677 61,626 SH   SOLE 0 61,626 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 402 7,901 SH   SOLE 0 7,901 0 0
ISHARES COHEN & STEERS REIT ETF ETF 464287564 217 3,060 SH   SOLE 0 3,059 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 4,084 86,233 SH   SOLE 0 86,233 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,189 22,269 SH   SOLE 0 22,269 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 772 21,022 SH   SOLE 0 21,021 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 2,046 20,425 SH   SOLE 0 20,424 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 840 2,380 SH   SOLE 0 2,380 0 0
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101 357 784 SH   SOLE 0 784 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 409 5,234 SH   SOLE 0 5,234 0 0
INTUIT COM Stock 461202103 400 832 SH   SOLE 0 832 0 0
MICROSOFT CORP COM Stock 594918104 1,103 3,578 SH   SOLE 0 3,578 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 228 895 SH   SOLE 0 895 0 0
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 2,120 42,798 SH   SOLE 0 42,798 0 0
DEFIANCE NEXT GEN CONNECTIVITY ETF ETF 26922A289 259 6,902 SH   SOLE 0 6,902 0 0
WELLTOWER INC COM REIT 95040Q104 222 2,307 SH   SOLE 0 2,307 0 0
LILLY ELI & CO COM Stock 532457108 1,329 4,640 SH   SOLE 0 4,640 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,387 6,756 SH   SOLE 0 6,756 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 1,659 12,949 SH   SOLE 0 12,949 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 285 3,613 SH   SOLE 0 3,613 0 0
VANGUARD VALUE INDEX FUND ETF 922908744 421 2,851 SH   SOLE 0 2,851 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 13,030 129,085 SH   SOLE 0 129,084 0 0
SHELL PLC SPON ADS ADR 780259305 285 5,181 SH   SOLE 0 5,181 0 0
META PLATFORMS INC CL A Stock 30303M102 374 1,682 SH   SOLE 0 1,682 0 0
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643 21,718 290,730 SH   SOLE 0 290,730 0 0
ISHARES GNMA BOND FUND ETF 46429B333 763 15,997 SH   SOLE 0 15,997 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 4,916 70,728 SH   SOLE 0 70,728 0 0
CF INDS HLDGS INC COM Stock 125269100 275 2,669 SH   SOLE 0 2,669 0 0
NVIDIA CORPORATION COM Stock 67066G104 349 1,278 SH   SOLE 0 1,278 0 0
ABBVIE INC COM Stock 00287Y109 219 1,351 SH   SOLE 0 1,351 0 0
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 3,662 161,376 SH   SOLE 0 161,375 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608 206 4,576 SH   SOLE 0 4,576 0 0
MCDONALDS CORP COM Stock 580135101 733 2,963 SH   SOLE 0 2,963 0 0
CISCO SYS INC COM Stock 17275R102 313 5,620 SH   SOLE 0 5,620 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF ETF 808524771 20,556 351,376 SH   SOLE 0 351,376 0 0
ISHARES EDGE MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 1,487 8,836 SH   SOLE 0 8,836 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 657 1,448 SH   SOLE 0 1,447 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 350 593 SH   SOLE 0 593 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 281 2,058 SH   SOLE 0 2,058 0 0
CHEVRON CORP NEW COM Stock 166764100 428 2,628 SH   SOLE 0 2,628 0 0
BK OF AMERICA CORP COM Stock 060505104 298 7,237 SH   SOLE 0 7,237 0 0
WALMART INC COM Stock 931142103 242 1,628 SH   SOLE 0 1,628 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 906 28,520 SH   SOLE 0 28,519 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 567 4,362 SH   SOLE 0 4,362 0 0
PFIZER INC COM Stock 717081103 240 4,628 SH   SOLE 0 4,628 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 525 4,340 SH   SOLE 0 4,340 0 0
MORGAN STANLEY COM NEW Stock 617446448 241 2,757 SH   SOLE 0 2,757 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 283 2,709 SH   SOLE 0 2,709 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 592 212 SH   SOLE 0 212 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258 11,723 136,873 SH   SOLE 0 136,873 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 433 2,668 SH   SOLE 0 2,668 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 501 4,681 SH   SOLE 0 4,681 0 0
NUCOR CORP COM Stock 670346105 353 2,373 SH   SOLE 0 2,373 0 0
ROPER TECHNOLOGIES INC COM Stock 776696106 292 618 SH   SOLE 0 618 0 0
ALTRIA GROUP INC COM Stock 02209S103 301 5,760 SH   SOLE 0 5,759 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 569 2,120 SH   SOLE 0 2,119 0 0
APPLE INC COM Stock 037833100 3,506 20,078 SH   SOLE 0 20,078 0 0