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
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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
ISHARES TR CORE MSCI EAFE 46432F842   6,492,344 97,118 SH   SOLE   0 0 97,118
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,560,225 12,126 SH   SOLE   0 0 12,126
VANGUARD INDEX FDS VALUE ETF 922908744   4,089,569 29,611 SH   SOLE   0 0 29,611
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,939,659 9,623 SH   SOLE   0 0 9,623
ISHARES TR CORE S&P US VLU 464287663   3,864,892 52,384 SH   SOLE   0 0 52,384
ISHARES TR CORE S&P500 ETF 464287200   3,711,499 9,029 SH   SOLE   0 0 9,029
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,541,744 24,490 SH   SOLE   0 0 24,490
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,996,828 74,179 SH   SOLE   0 0 74,179
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108   2,968,116 103,239 SH   SOLE   0 0 103,239
ISHARES TR CORE S&P SCP ETF 464287804   2,825,187 29,216 SH   SOLE   0 0 29,216
VANGUARD INDEX FDS GROWTH ETF 922908736   2,811,577 11,272 SH   SOLE   0 0 11,272
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   2,660,779 49,192 SH   SOLE   0 0 49,192
ISHARES TR MSCI EAFE ETF 464287465   2,613,605 36,544 SH   SOLE   0 0 36,544
ISHARES TR MSCI USA MIN VOL 46429B697   2,533,491 34,829 SH   SOLE   0 0 34,829
INVESCO QQQ TR UNIT SER 1 46090E103   2,506,214 7,809 SH   SOLE   0 0 7,809
ISHARES TR CORE MSCI INTL 46435G326   2,369,583 39,186 SH   SOLE   0 0 39,186
ISHARES INC CORE MSCI EMKT 46434G103   2,360,490 48,381 SH   SOLE   0 0 48,381
ISHARES TR GLOBAL TECH ETF 464287291   1,948,667 35,847 SH   SOLE   0 0 35,847
APPLE INC COM 037833100   1,697,907 10,297 SH   SOLE   0 0 10,297
VANGUARD INDEX FDS MID CAP ETF 922908629   1,656,376 7,853 SH   SOLE   0 0 7,853
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   1,630,032 35,062 SH   SOLE   0 0 35,062
UNITEDHEALTH GROUP INC COM 91324P102   1,594,519 3,374 SH   SOLE   0 0 3,374
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,403,588 9,114 SH   SOLE   0 0 9,114
SPDR SER TR S&P 600 SML CAP 78464A813   1,341,595 15,966 SH   SOLE   0 0 15,966
SEMPRA COM 816851109   1,206,106 7,979 SH   SOLE   0 0 7,979
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   1,147,636 23,934 SH   SOLE   0 0 23,934
JPMORGAN CHASE & CO COM 46625H100   1,118,842 8,586 SH   SOLE   0 0 8,586
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   1,032,764 13,988 SH   SOLE   0 0 13,988
TE CONNECTIVITY LTD SHS H84989104   983,363 7,498 SH   SOLE   0 0 7,498
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   981,537 28,759 SH   SOLE   0 0 28,759
VANGUARD INDEX FDS SMALL CP ETF 922908751   937,915 4,948 SH   SOLE   0 0 4,948
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   911,791 6,167 SH   SOLE   0 0 6,167
COMCAST CORP NEW CL A 20030N101   887,852 23,420 SH   SOLE   0 0 23,420
MICROSOFT CORP COM 594918104   834,799 2,896 SH   SOLE   0 0 2,896
DEERE & CO COM 244199105   821,631 1,990 SH   SOLE   0 0 1,990
BROADCOM INC COM 11135F101   807,057 1,258 SH   SOLE   0 0 1,258
MOTOROLA SOLUTIONS INC COM NEW 620076307   803,453 2,808 SH   SOLE   0 0 2,808
ELEVANCE HEALTH INC COM 036752103   802,368 1,745 SH   SOLE   0 0 1,745
ISHARES TR JPMORGAN USD EMG 464288281   798,022 9,249 SH   SOLE   0 0 9,249
ISHARES TR BROAD USD HIGH 46435U853   777,016 21,857 SH   SOLE   0 0 21,857
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   736,081 16,336 SH   SOLE   0 0 16,336
METTLER TOLEDO INTERNATIONAL COM 592688105   708,487 463 SH   SOLE   0 0 463
CHEVRON CORP NEW COM 166764100   691,383 4,237 SH   SOLE   0 0 4,237
UNITED PARCEL SERVICE INC CL B 911312106   689,828 3,556 SH   SOLE   0 0 3,556
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   633,988 10,830 SH   SOLE   0 0 10,830
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   619,630 12,666 SH   SOLE   0 0 12,666
HOME DEPOT INC COM 437076102   603,225 2,044 SH   SOLE   0 0 2,044
VANGUARD INDEX FDS TOTAL STK MKT 922908769   596,578 2,923 SH   SOLE   0 0 2,923
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   586,031 41,212 SH   SOLE   0 0 41,212
MERCK & CO INC COM 58933Y105   569,187 5,350 SH   SOLE   0 0 5,350
AMERICAN EXPRESS CO COM 025816109   568,088 3,444 SH   SOLE   0 0 3,444
NOVO-NORDISK A S ADR 670100205   523,571 3,290 SH   SOLE   0 0 3,290
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   520,495 6,488 SH   SOLE   0 0 6,488
PROGRESSIVE CORP COM 743315103   516,447 3,610 SH   SOLE   0 0 3,610
MARSH & MCLENNAN COS INC COM 571748102   515,472 3,095 SH   SOLE   0 0 3,095
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   513,728 11,373 SH   SOLE   0 0 11,373
NIKE INC CL B 654106103   509,814 4,157 SH   SOLE   0 0 4,157
AMERICAN TOWER CORP NEW COM 03027X100   507,785 2,485 SH   SOLE   0 0 2,485
AIR PRODS & CHEMS INC COM 009158106   485,385 1,690 SH   SOLE   0 0 1,690
TEXAS INSTRS INC COM 882508104   480,278 2,582 SH   SOLE   0 0 2,582
ILLINOIS TOOL WKS INC COM 452308109   455,738 1,872 SH   SOLE   0 0 1,872
ASML HOLDING N V N Y REGISTRY SHS N07059210   449,949 661 SH   SOLE   0 0 661
HONEYWELL INTL INC COM 438516106   433,842 2,270 SH   SOLE   0 0 2,270
EXXON MOBIL CORP COM 30231G102   431,841 3,938 SH   SOLE   0 0 3,938
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   431,660 1,398 SH   SOLE   0 0 1,398
CHARTER COMMUNICATIONS INC N CL A 16119P108   430,920 1,205 SH   SOLE   0 0 1,205
JOHNSON & JOHNSON COM 478160104   427,955 2,761 SH   SOLE   0 0 2,761
CONOCOPHILLIPS COM 20825C104   427,595 4,310 SH   SOLE   0 0 4,310
BANK AMERICA CORP COM 060505104   408,980 14,300 SH   SOLE   0 0 14,300
US BANCORP DEL COM NEW 902973304   407,221 11,296 SH   SOLE   0 0 11,296
NORTHROP GRUMMAN CORP COM 666807102   406,314 880 SH   SOLE   0 0 880
FRANKLIN COVEY CO COM 353469109   377,237 9,806 SH   SOLE   0 0 9,806
INTEL CORP COM 458140100   370,478 11,340 SH   SOLE   0 0 11,340
ORACLE CORP COM 68389X105   364,525 3,923 SH   SOLE   0 0 3,923
AMGEN INC COM 031162100   360,208 1,490 SH   SOLE   0 0 1,490
ISHARES TR CORE S&P MCP ETF 464287507   358,229 1,432 SH   SOLE   0 0 1,432
EDISON INTL COM 281020107   354,715 5,025 SH   SOLE   0 0 5,025
RAYTHEON TECHNOLOGIES CORP COM 75513E101   335,410 3,425 SH   SOLE   0 0 3,425
TRAVELERS COMPANIES INC COM 89417E109   334,935 1,954 SH   SOLE   0 0 1,954
MARTIN MARIETTA MATLS INC COM 573284106   329,141 927 SH   SOLE   0 0 927
BECTON DICKINSON & CO COM 075887109   323,040 1,305 SH   SOLE   0 0 1,305
AUTODESK INC COM 052769106   314,113 1,509 SH   SOLE   0 0 1,509
VISA INC COM CL A 92826C839   292,647 1,298 SH   SOLE   0 0 1,298
CISCO SYS INC COM 17275R102   288,924 5,527 SH   SOLE   0 0 5,527
OTIS WORLDWIDE CORP COM 68902V107   279,364 3,310 SH   SOLE   0 0 3,310
VANGUARD INDEX FDS SM CP VAL ETF 922908611   277,415 1,747 SH   SOLE   0 0 1,747
VERTEX PHARMACEUTICALS INC COM 92532F100   277,262 880 SH   SOLE   0 0 880
PPG INDS INC COM 693506107   262,485 1,965 SH   SOLE   0 0 1,965
BIOGEN INC COM 09062X103   257,178 925 SH   SOLE   0 0 925
CVS HEALTH CORP COM 126650100   250,276 3,368 SH   SOLE   0 0 3,368
PFIZER INC COM 717081103   246,187 6,034 SH   SOLE   0 0 6,034
TC ENERGY CORP COM 87807B107   237,351 6,100 SH   SOLE   0 0 6,100
ABBVIE INC COM 00287Y109   233,796 1,467 SH   SOLE   0 0 1,467
ALPHABET INC CAP STK CL A 02079K305   230,799 2,225 SH   SOLE   0 0 2,225
L3HARRIS TECHNOLOGIES INC COM 502431109   211,939 1,080 SH   SOLE   0 0 1,080
AMAZON COM INC COM 023135106   204,514 1,980 SH   SOLE   0 0 1,980
HALEON PLC SPON ADS 405552100   199,959 24,565 SH   SOLE   0 0 24,565
VERTIV HOLDINGS CO COM CL A 92537N108   149,039 10,415 SH   SOLE   0 0 10,415
DISH NETWORK CORPORATION CL A 25470M109   122,690 13,150 SH   SOLE   0 0 13,150