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 2,546 9,525 SH   SOLE 0 9,525 0 0
JOHNSON & JOHNSON COM Stock 478160104 647 3,963 SH   SOLE 0 3,962 0 0
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282 496 13,702 SH   SOLE 0 13,702 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 246 520 SH   SOLE 0 520 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 220 750 SH   SOLE 0 750 0 0
SHELL PLC SPON ADS ADR 780259305 218 4,381 SH   SOLE 0 4,381 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 450 3,567 SH   SOLE 0 3,566 0 0
INTEL CORP COM Stock 458140100 355 13,762 SH   SOLE 0 13,762 0 0
MERCK & CO INC COM Stock 58933Y105 327 3,793 SH   SOLE 0 3,793 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 1,611 8,920 SH   SOLE 0 8,920 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 2,890 16,000 SH Put SOLE 0 16,000 0 0
ISHARES TIPS BOND ETF ETF 464287176 6,772 64,559 SH   SOLE 0 64,558 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 283 7,466 SH   SOLE 0 7,466 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 3,585 94,836 SH   SOLE 0 94,836 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 968 23,045 SH   SOLE 0 23,045 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 542 19,277 SH   SOLE 0 19,277 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE ETF ETF 72201R833 1,878 19,001 SH   SOLE 0 19,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 636 2,380 SH   SOLE 0 2,380 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409 389 5,234 SH   SOLE 0 5,234 0 0
INTUIT COM Stock 461202103 280 722 SH   SOLE 0 722 0 0
JP MORGAN US VALUE FACTOR ETF ETF 46641Q753 4,840 162,528 SH   SOLE 0 162,528 0 0
MICROSOFT CORP COM Stock 594918104 863 3,706 SH   SOLE 0 3,706 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504 200 895 SH   SOLE 0 895 0 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862 1,858 38,492 SH   SOLE 0 38,491 0 0
LILLY ELI & CO COM Stock 532457108 1,500 4,640 SH   SOLE 0 4,640 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,117 6,774 SH   SOLE 0 6,773 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 1,225 11,425 SH   SOLE 0 11,424 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 260 3,915 SH   SOLE 0 3,915 0 0
INVESTCO S&P 500 GARP ETF ETF 46137V431 5,955 79,586 SH   SOLE 0 79,586 0 0
VANGUARD VALUE ETF ETF 922908744 440 3,563 SH   SOLE 0 3,563 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 11,439 143,817 SH   SOLE 0 143,817 0 0
META PLATFORMS INC CL A Stock 30303M102 268 1,974 SH   SOLE 0 1,974 0 0
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643 18,216 303,644 SH   SOLE 0 303,644 0 0
ISHARES GNMA BOND ETF ETF 46429B333 695 16,165 SH   SOLE 0 16,165 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 4,395 83,447 SH   SOLE 0 83,447 0 0
CF INDS HLDGS INC COM Stock 125269100 257 2,669 SH   SOLE 0 2,669 0 0
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 2,426 113,702 SH   SOLE 0 113,701 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608 204 4,989 SH   SOLE 0 4,989 0 0
MCDONALDS CORP COM Stock 580135101 675 2,925 SH   SOLE 0 2,925 0 0
CISCO SYS INC COM Stock 17275R102 239 5,969 SH   SOLE 0 5,969 0 0
SCHWAB FUNDAMENTAL US LARGE CO. INDEX ETF ETF 808524771 17,654 369,632 SH   SOLE 0 369,632 0 0
ISHARES EDGE MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 1,159 8,838 SH   SOLE 0 8,837 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 6,566 113,495 SH   SOLE 0 113,495 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 533 1,486 SH   SOLE 0 1,485 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 286 563 SH   SOLE 0 563 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 230 2,202 SH   SOLE 0 2,202 0 0
CHEVRON CORP NEW COM Stock 166764100 378 2,631 SH   SOLE 0 2,630 0 0
BK OF AMERICA CORP COM Stock 060505104 219 7,237 SH   SOLE 0 7,237 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 570 25,286 SH   SOLE 0 25,285 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 518 4,362 SH   SOLE 0 4,362 0 0
PFIZER INC COM Stock 717081103 257 5,863 SH   SOLE 0 5,863 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 445 4,340 SH   SOLE 0 4,340 0 0
MORGAN STANLEY COM NEW Stock 617446448 216 2,732 SH   SOLE 0 2,732 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 222 2,709 SH   SOLE 0 2,709 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 413 4,300 SH   SOLE 0 4,300 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258 3,071 43,968 SH   SOLE 0 43,968 0 0
UNITED MICROELECTRONICS CORP SPON ADR NEW ADR 910873405 86 15,400 SH   SOLE 0 15,400 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 361 2,668 SH   SOLE 0 2,668 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 454 4,708 SH   SOLE 0 4,707 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 371 5,884 SH   SOLE 0 5,884 0 0
NUCOR CORP COM Stock 670346105 257 2,398 SH   SOLE 0 2,398 0 0
ALTRIA GROUP INC COM Stock 02209S103 242 5,981 SH   SOLE 0 5,980 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 466 2,125 SH   SOLE 0 2,125 0 0
APPLE INC COM Stock 037833100 2,325 16,826 SH   SOLE 0 16,826 0 0