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 2,086 7,441 SH   SOLE 0 7,441 0 0
JOHNSON & JOHNSON COM Stock 478160104 652 3,671 SH   SOLE 0 3,671 0 0
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282 517 13,651 SH   SOLE 0 13,651 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 259 540 SH   SOLE 0 540 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 223 750 SH   SOLE 0 750 0 0
SHELL PLC SPON ADS ADR 780259305 229 4,381 SH   SOLE 0 4,381 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 523 3,635 SH   SOLE 0 3,635 0 0
VENTAS INC COM REIT 92276F100 205 3,977 SH   SOLE 0 3,977 0 0
INTEL CORP COM Stock 458140100 515 13,762 SH   SOLE 0 13,762 0 0
MERCK & CO INC COM Stock 58933Y105 346 3,793 SH   SOLE 0 3,793 0 0
SPDR S&P 500 ETF ETF 78462F103 203 537 SH   SOLE 0 537 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 1,626 8,920 SH   SOLE 0 8,920 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 2,916 16,000 SH Put SOLE 0 16,000 0 0
ISHARES TIPS BOND ETF ETF 464287176 7,034 61,752 SH   SOLE 0 61,752 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 379 7,466 SH   SOLE 0 7,466 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 3,518 90,220 SH   SOLE 0 90,219 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,006 22,775 SH   SOLE 0 22,774 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 673 21,414 SH   SOLE 0 21,414 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 1,927 19,446 SH   SOLE 0 19,445 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 650 2,380 SH   SOLE 0 2,380 0 0
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101 240 656 SH   SOLE 0 656 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 399 5,234 SH   SOLE 0 5,234 0 0
INTUIT COM Stock 461202103 278 722 SH   SOLE 0 722 0 0
MICROSOFT CORP COM Stock 594918104 952 3,706 SH   SOLE 0 3,706 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 211 895 SH   SOLE 0 895 0 0
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 1,894 38,498 SH   SOLE 0 38,498 0 0
DEFIANCE NEXT GEN CONNECTIVITY ETF ETF 26922A289 221 7,011 SH   SOLE 0 7,010 0 0
LILLY ELI & CO COM Stock 532457108 1,504 4,640 SH   SOLE 0 4,640 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,147 6,774 SH   SOLE 0 6,773 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 1,435 12,199 SH   SOLE 0 12,198 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 277 3,871 SH   SOLE 0 3,871 0 0
VANGUARD VALUE INDEX FUND ETF 922908744 470 3,563 SH   SOLE 0 3,563 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 11,363 135,630 SH   SOLE 0 135,630 0 0
META PLATFORMS INC CL A Stock 30303M102 255 1,579 SH   SOLE 0 1,579 0 0
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643 18,975 297,744 SH   SOLE 0 297,744 0 0
ISHARES GNMA BOND FUND ETF 46429B333 735 16,130 SH   SOLE 0 16,129 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 4,400 74,760 SH   SOLE 0 74,760 0 0
CF INDS HLDGS INC COM Stock 125269100 229 2,669 SH   SOLE 0 2,669 0 0
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 3,435 161,818 SH   SOLE 0 161,818 0 0
MCDONALDS CORP COM Stock 580135101 732 2,963 SH   SOLE 0 2,963 0 0
CISCO SYS INC COM Stock 17275R102 262 6,135 SH   SOLE 0 6,135 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF ETF 808524771 18,416 361,814 SH   SOLE 0 361,813 0 0
ISHARES EDGE MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 1,205 8,838 SH   SOLE 0 8,837 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 549 1,449 SH   SOLE 0 1,448 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 306 563 SH   SOLE 0 563 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 248 2,202 SH   SOLE 0 2,202 0 0
CHEVRON CORP NEW COM Stock 166764100 381 2,629 SH   SOLE 0 2,629 0 0
BK OF AMERICA CORP COM Stock 060505104 225 7,237 SH   SOLE 0 7,237 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 742 27,333 SH   SOLE 0 27,333 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 616 4,362 SH   SOLE 0 4,362 0 0
PFIZER INC COM Stock 717081103 318 6,063 SH   SOLE 0 6,063 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 478 4,340 SH   SOLE 0 4,340 0 0
MORGAN STANLEY COM NEW Stock 617446448 208 2,732 SH   SOLE 0 2,732 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 245 2,709 SH   SOLE 0 2,709 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 470 215 SH   SOLE 0 215 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258 3,182 42,374 SH   SOLE 0 42,374 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 383 2,668 SH   SOLE 0 2,668 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 476 4,680 SH   SOLE 0 4,680 0 0
NUCOR CORP COM Stock 670346105 216 2,073 SH   SOLE 0 2,073 0 0
ALTRIA GROUP INC COM Stock 02209S103 241 5,769 SH   SOLE 0 5,768 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 481 2,125 SH   SOLE 0 2,125 0 0
APPLE INC COM Stock 037833100 2,540 18,578 SH   SOLE 0 18,578 0 0
ABBOTT LABS COM Stock 002824100 201 1,846 SH   SOLE 0 1,846 0 0