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   6,665,052 18,603 SH   SOLE 0 18,603 0 0
JOHNSON & JOHNSON COM Stock 478160104   589,606 3,786 SH   SOLE 0 3,785 0 0
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282   590,610 13,634 SH   SOLE 0 13,633 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   306,208 542 SH   SOLE 0 542 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104   242,678 750 SH   SOLE 0 750 0 0
SHELL PLC SPON ADS ADR 780259305   291,062 4,521 SH   SOLE 0 4,521 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   570,879 3,914 SH   SOLE 0 3,913 0 0
INTEL CORP COM Stock 458140100   435,974 12,264 SH   SOLE 0 12,263 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846   220,035 2,106 SH   SOLE 0 2,106 0 0
MERCK & CO INC COM Stock 58933Y105   421,786 4,097 SH   SOLE 0 4,097 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   329,160 770 SH   SOLE 0 770 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109   1,957,635 8,500 SH   SOLE 0 8,500 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109   2,994 13,000 SH Put SOLE 0 13,000 0 0
ISHARES TIPS BOND ETF ETF 464287176   953,083 9,189 SH   SOLE 0 9,189 0 0
ISHARES S&P 100 ETF ETF 464287101   239,163 1,192 SH   SOLE 0 1,192 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   253,284 7,815 SH   SOLE 0 7,815 0 0
SNAP ON INC COM Stock 833034101   202,773 795 SH   SOLE 0 795 0 0
PULTE GROUP INC COM Stock 745867101   204,156 2,757 SH   SOLE 0 2,757 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   4,510,956 108,908 SH   SOLE 0 108,907 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,351,177 27,105 SH   SOLE 0 27,104 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   701,512 20,657 SH   SOLE 0 20,657 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   203,982 4,065 SH   SOLE 0 4,065 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE ETF ETF 72201R833   907,664 9,064 SH   SOLE 0 9,063 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   794,831 2,269 SH   SOLE 0 2,269 0 0
ADOBE INC COM Stock 00724F101   341,123 669 SH   SOLE 0 669 0 0
INTUIT COM Stock 461202103   343,352 672 SH   SOLE 0 672 0 0
JP MORGAN US VALUE FACTOR ETF ETF 46641Q753   8,615,141 248,705 SH   SOLE 0 248,705 0 0
MICROSOFT CORP COM Stock 594918104   1,208,569 3,828 SH   SOLE 0 3,827 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   210,415 895 SH   SOLE 0 895 0 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   732,856 15,303 SH   SOLE 0 15,302 0 0
ELI LILLY & CO COM Stock 532457108   2,064,191 3,843 SH   SOLE 0 3,843 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   1,213,809 6,868 SH   SOLE 0 6,867 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   1,086,705 10,096 SH   SOLE 0 10,095 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   295,116 4,171 SH   SOLE 0 4,170 0 0
VISA INC COM CL A Stock 92826C839   371,152 1,614 SH   SOLE 0 1,613 0 0
INVESTCO S&P 500 GARP ETF ETF 46137V431   9,018,527 98,844 SH   SOLE 0 98,844 0 0
VANGUARD VALUE ETF ETF 922908744   491,445 3,563 SH   SOLE 0 3,563 0 0
JPMORGAN INCOME ETF ETF 46641Q159   13,049,870 293,916 SH   SOLE 0 293,916 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   14,031,442 148,970 SH   SOLE 0 148,969 0 0
META PLATFORMS INC CL A Stock 30303M102   563,194 1,876 SH   SOLE 0 1,876 0 0
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643   22,610,011 298,128 SH   SOLE 0 298,127 0 0
ISHARES GNMA BOND ETF ETF 46429B333   677,736 16,222 SH   SOLE 0 16,221 0 0
D R HORTON INC COM Stock 23331A109   232,028 2,159 SH   SOLE 0 2,159 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   5,732,242 89,079 SH   SOLE 0 89,079 0 0
CF INDS HLDGS INC COM Stock 125269100   228,840 2,669 SH   SOLE 0 2,669 0 0
NVIDIA CORPORATION COM Stock 67066G104   352,342 810 SH   SOLE 0 810 0 0
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343   2,943,107 114,118 SH   SOLE 0 114,118 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608   208,207 4,966 SH   SOLE 0 4,965 0 0
MCDONALDS CORP COM Stock 580135101   688,896 2,615 SH   SOLE 0 2,615 0 0
CISCO SYS INC COM Stock 17275R102   307,077 5,712 SH   SOLE 0 5,712 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819   11,346,051 156,908 SH   SOLE 0 156,908 0 0
SCHWAB FUNDAMENTAL US LARGE CO. INDEX ETF ETF 808524771   19,094,565 341,157 SH   SOLE 0 341,157 0 0
ISHARES EDGE MSCI USA MOMENTUM FACTOR ETF ETF 46432F396   926,214 6,630 SH   SOLE 0 6,630 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   726,894 10,624 SH   SOLE 0 10,624 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   634,593 1,478 SH   SOLE 0 1,477 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   286,998 567 SH   SOLE 0 567 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   339,782 2,343 SH   SOLE 0 2,343 0 0
CHEVRON CORP NEW COM Stock 166764100   477,884 2,834 SH   SOLE 0 2,834 0 0
CONOCOPHILLIPS COM Stock 20825C104   213,961 1,786 SH   SOLE 0 1,785 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   8,379,157 191,655 SH   SOLE 0 191,655 0 0
WALMART INC COM Stock 931142103   274,440 1,716 SH   SOLE 0 1,716 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   623,816 24,560 SH   SOLE 0 24,559 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   517,286 3,687 SH   SOLE 0 3,687 0 0
PFIZER INC COM Stock 717081103   264,398 7,971 SH   SOLE 0 7,971 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   442,767 4,340 SH   SOLE 0 4,340 0 0
MORGAN STANLEY COM NEW Stock 617446448   206,625 2,530 SH   SOLE 0 2,530 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   563,395 4,273 SH   SOLE 0 4,273 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258   3,325,963 45,202 SH   SOLE 0 45,202 0 0
ARISTA NETWORKS INC COM Stock 040413106   238,189 1,295 SH   SOLE 0 1,295 0 0
UNITED MICROELECTRONICS CORP SPON ADR NEW ADR 910873405   114,725 16,250 SH   SOLE 0 16,250 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   376,497 2,423 SH   SOLE 0 2,423 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   459,373 4,885 SH   SOLE 0 4,884 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   425,060 5,884 SH   SOLE 0 5,884 0 0
NUCOR CORP COM Stock 670346105   374,927 2,398 SH   SOLE 0 2,398 0 0
ALTRIA GROUP INC COM Stock 02209S103   201,840 4,800 SH   SOLE 0 4,800 0 0
EXXON MOBIL CORP COM Stock 30231G102   261,733 2,226 SH   SOLE 0 2,226 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   536,173 2,150 SH   SOLE 0 2,150 0 0
APPLE INC COM Stock 037833100   2,648,276 15,468 SH   SOLE 0 15,468 0 0
ABBOTT LABS COM Stock 002824100   242,706 2,506 SH   SOLE 0 2,506 0 0
VANECK MORNINGSTAR INTERNATIONAL MOAT ETF ETF 92189F593   1,219,327 40,869 SH   SOLE 0 40,869 0 0