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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
INVESCO QQQ TRUST SERIES I ETF 46090E103   6,876,767 18,615 SH   SOLE 0 18,615 0 0
JOHNSON & JOHNSON COM Stock 478160104   677,155 4,091 SH   SOLE 0 4,091 0 0
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282   632,603 14,197 SH   SOLE 0 14,196 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   291,802 542 SH   SOLE 0 542 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104   241,905 750 SH   SOLE 0 750 0 0
SHELL PLC SPON ADS ADR 780259305   272,978 4,521 SH   SOLE 0 4,521 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   593,630 3,912 SH   SOLE 0 3,912 0 0
INTEL CORP COM Stock 458140100   245,918 7,354 SH   SOLE 0 7,354 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846   228,143 2,106 SH   SOLE 0 2,106 0 0
MEDICAL PPTYS TRUST INC COM REIT 58463J304   125,334 13,535 SH   SOLE 0 13,535 0 0
MERCK & CO INC COM Stock 58933Y105   468,945 4,064 SH   SOLE 0 4,064 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   343,985 776 SH   SOLE 0 776 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109   2,126,360 8,500 SH   SOLE 0 8,500 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109   3,252 13,000 SH Put SOLE 0 13,000 0 0
ISHARES TIPS BOND ETF ETF 464287176   1,056,721 9,819 SH   SOLE 0 9,819 0 0
ISHARES S&P 100 ETF ETF 464287101   246,816 1,192 SH   SOLE 0 1,192 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   320,057 8,606 SH   SOLE 0 8,606 0 0
SNAP ON INC COM Stock 833034101   224,788 780 SH   SOLE 0 780 0 0
PULTE GROUP INC COM Stock 745867101   222,165 2,860 SH   SOLE 0 2,860 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   4,552,709 103,943 SH   SOLE 0 103,943 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,361,574 26,336 SH   SOLE 0 26,336 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   753,998 21,150 SH   SOLE 0 21,150 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   203,819 4,065 SH   SOLE 0 4,065 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE ETF ETF 72201R833   970,860 9,732 SH   SOLE 0 9,731 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   773,729 2,269 SH   SOLE 0 2,269 0 0
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101   320,777 656 SH   SOLE 0 656 0 0
INTUIT COM Stock 461202103   330,813 722 SH   SOLE 0 722 0 0
JP MORGAN US VALUE FACTOR ETF ETF 46641Q753   8,483,527 237,767 SH   SOLE 0 237,767 0 0
MICROSOFT CORP COM Stock 594918104   1,261,909 3,706 SH   SOLE 0 3,705 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   219,114 895 SH   SOLE 0 895 0 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   748,190 15,568 SH   SOLE 0 15,567 0 0
LILLY ELI & CO COM Stock 532457108   1,802,290 3,843 SH   SOLE 0 3,843 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   1,286,126 6,868 SH   SOLE 0 6,867 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   1,408,229 12,429 SH   SOLE 0 12,429 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   302,730 4,169 SH   SOLE 0 4,168 0 0
INVESTCO S&P 500 GARP ETF ETF 46137V431   8,594,960 94,679 SH   SOLE 0 94,679 0 0
VANGUARD VALUE ETF ETF 922908744   506,302 3,563 SH   SOLE 0 3,563 0 0
JPMORGAN INCOME ETF ETF 46641Q159   12,927,336 286,003 SH   SOLE 0 286,003 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   14,463,056 147,824 SH   SOLE 0 147,823 0 0
META PLATFORMS INC CL A Stock 30303M102   550,141 1,917 SH   SOLE 0 1,917 0 0
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643   23,269,938 291,640 SH   SOLE 0 291,639 0 0
ISHARES GNMA BOND ETF ETF 46429B333   712,863 16,261 SH   SOLE 0 16,260 0 0
D R HORTON INC COM Stock 23331A109   264,554 2,174 SH   SOLE 0 2,174 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   5,951,956 88,177 SH   SOLE 0 88,177 0 0
NVIDIA CORPORATION COM Stock 67066G104   507,624 1,200 SH   SOLE 0 1,200 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   210,567 3,870 SH   SOLE 0 3,870 0 0
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343   2,605,202 112,487 SH   SOLE 0 112,487 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608   219,183 5,235 SH   SOLE 0 5,234 0 0
MCDONALDS CORP COM Stock 580135101   872,849 2,925 SH   SOLE 0 2,925 0 0
CISCO SYS INC COM Stock 17275R102   308,836 5,969 SH   SOLE 0 5,969 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819   11,890,601 158,057 SH   SOLE 0 158,056 0 0
SCHWAB FUNDAMENTAL US LARGE CO. INDEX ETF ETF 808524771   19,235,406 334,122 SH   SOLE 0 334,122 0 0
ISHARES EDGE MSCI USA MOMENTUM FACTOR ETF ETF 46432F396   956,380 6,630 SH   SOLE 0 6,630 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   204,228 1,267 SH   SOLE 0 1,267 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   738,771 10,482 SH   SOLE 0 10,482 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   658,650 1,478 SH   SOLE 0 1,477 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   295,832 567 SH   SOLE 0 567 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   345,129 2,373 SH   SOLE 0 2,373 0 0
CHEVRON CORP NEW COM Stock 166764100   443,522 2,819 SH   SOLE 0 2,818 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   8,439,857 182,760 SH   SOLE 0 182,760 0 0
BANK AMERICA CORP COM Stock 060505104   207,630 7,237 SH   SOLE 0 7,237 0 0
WALMART INC COM Stock 931142103   269,721 1,716 SH   SOLE 0 1,716 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   788,246 29,937 SH   SOLE 0 29,937 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   513,161 3,835 SH   SOLE 0 3,835 0 0
PFIZER INC COM Stock 717081103   240,841 6,566 SH   SOLE 0 6,566 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   469,328 4,340 SH   SOLE 0 4,340 0 0
MORGAN STANLEY COM NEW Stock 617446448   236,729 2,772 SH   SOLE 0 2,772 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   521,139 4,308 SH   SOLE 0 4,308 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258   3,438,800 44,343 SH   SOLE 0 44,343 0 0
UNITED MICROELECTRONICS CORP SPON ADR NEW ADR 910873405   121,506 15,400 SH   SOLE 0 15,400 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   393,580 2,423 SH   SOLE 0 2,423 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   474,521 4,845 SH   SOLE 0 4,844 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   441,300 5,884 SH   SOLE 0 5,884 0 0
NUCOR CORP COM Stock 670346105   404,703 2,468 SH   SOLE 0 2,468 0 0
ALTRIA GROUP INC COM Stock 02209S103   235,560 5,200 SH   SOLE 0 5,200 0 0
EXXON MOBIL CORP COM Stock 30231G102   232,733 2,170 SH   SOLE 0 2,170 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   562,256 2,150 SH   SOLE 0 2,150 0 0
APPLE INC COM Stock 037833100   3,039,898 15,672 SH   SOLE 0 15,672 0 0
ABBOTT LABS COM Stock 002824100   273,204 2,506 SH   SOLE 0 2,506 0 0
VANECK MORNINGSTAR INTERNATIONAL MOAT ETF ETF 92189F593   1,182,387 37,264 SH   SOLE 0 37,264 0 0