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
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,579,790 17,353 SH   SOLE   71 0 17,282
ISHARES TR CORE MSCI EAFE 46432F842   7,264,178 103,258 SH   SOLE   283 0 102,975
VANGUARD INDEX FDS GROWTH ETF 922908736   5,856,330 18,838 SH   SOLE   43 0 18,795
ISHARES TR CORE S&P US VLU 464287663   5,314,561 63,021 SH   SOLE   145 0 62,876
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,673,824 9,833 SH   SOLE   6 0 9,827
VANGUARD INDEX FDS VALUE ETF 922908744   4,641,881 31,049 SH   SOLE   18 0 31,031
ISHARES TR CORE S&P500 ETF 464287200   4,325,335 9,056 SH   SOLE   0 0 9,056
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,973,246 25,179 SH   SOLE   65 0 25,114
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108   3,592,058 116,853 SH   SOLE   326 0 116,527
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,380,197 82,243 SH   SOLE   77 0 82,166
INVESCO QQQ TR UNIT SER 1 46090E103   3,275,047 7,997 SH   SOLE   29 0 7,968
ISHARES TR MSCI EAFE ETF 464287465   3,220,694 42,743 SH   SOLE   0 0 42,743
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   3,167,482 49,422 SH   SOLE   106 0 49,316
ISHARES TR MSCI USA MIN VOL 46429B697   2,794,155 35,809 SH   SOLE   87 0 35,722
ISHARES TR CORE MSCI INTL 46435G326   2,525,325 39,669 SH   SOLE   238 0 39,431
ISHARES TR GLOBAL TECH ETF 464287291   2,474,406 36,292 SH   SOLE   55 0 36,237
ISHARES INC CORE MSCI EMKT 46434G103   2,167,341 42,850 SH   SOLE   83 0 42,767
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   2,037,995 39,642 SH   SOLE   173 0 39,469
APPLE INC COM 037833100   2,017,553 10,479 SH   SOLE   0 0 10,479
VANGUARD INDEX FDS MID CAP ETF 922908629   2,015,227 8,662 SH   SOLE   22 0 8,640
UNITEDHEALTH GROUP INC COM 91324P102   1,798,422 3,416 SH   SOLE   0 0 3,416
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,767,286 10,371 SH   SOLE   38 0 10,333
SPDR SER TR PORTFOLIO S&P600 78468R853   1,722,072 40,827 SH   SOLE   155 0 40,672
ISHARES TR CORE S&P SCP ETF 464287804   1,720,634 15,895 SH   SOLE   36 0 15,859
JPMORGAN CHASE & CO COM 46625H100   1,488,205 8,749 SH   SOLE   0 0 8,749
BROADCOM INC COM 11135F101   1,409,824 1,263 SH   SOLE   0 0 1,263
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   1,339,893 22,618 SH   SOLE   0 0 22,618
SEMPRA COM 816851109   1,278,257 17,105 SH   SOLE   0 0 17,105
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,264,553 25,616 SH   SOLE   28 0 25,588
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   1,260,756 14,855 SH   SOLE   0 0 14,855
MICROSOFT CORP COM 594918104   1,217,840 3,239 SH   SOLE   0 0 3,239
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,177,428 5,519 SH   SOLE   12 0 5,507
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   1,172,788 26,293 SH   SOLE   33 0 26,260
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,112,511 31,418 SH   SOLE   294 0 31,124
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   1,101,018 5,902 SH   SOLE   0 0 5,902
TE CONNECTIVITY LTD SHS H84989104   1,053,469 7,498 SH   SOLE   0 0 7,498
COMCAST CORP NEW CL A 20030N101   1,013,461 23,112 SH   SOLE   0 0 23,112
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,006,820 4,244 SH   SOLE   0 0 4,244
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   938,869 11,551 SH   SOLE   17 0 11,534
ISHARES TR BROAD USD HIGH 46435U853   938,339 25,814 SH   SOLE   37 0 25,777
MOTOROLA SOLUTIONS INC COM NEW 620076307   883,853 2,823 SH   SOLE   0 0 2,823
INTEL CORP COM 458140100   830,482 16,527 SH   SOLE   0 0 16,527
ELEVANCE HEALTH INC COM 036752103   828,059 1,756 SH   SOLE   0 0 1,756
DEERE & CO COM 244199105   799,340 1,999 SH   SOLE   0 0 1,999
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   798,150 16,663 SH   SOLE   0 0 16,663
ISHARES TR JPMORGAN USD EMG 464288281   749,086 8,411 SH   SOLE   8 0 8,403
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   734,720 2,060 SH   SOLE   0 0 2,060
HOME DEPOT INC COM 437076102   719,438 2,076 SH   SOLE   0 0 2,076
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   673,366 50,629 SH   SOLE   155 0 50,474
NOVO-NORDISK A S ADR 670100205   671,597 6,492 SH   SOLE   0 0 6,492
AMERICAN EXPRESS CO COM 025816109   642,389 3,429 SH   SOLE   0 0 3,429
CHEVRON CORP NEW COM 166764100   638,592 4,281 SH   SOLE   0 0 4,281
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   638,364 10,944 SH   SOLE   7 0 10,937
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   631,818 12,576 SH   SOLE   27 0 12,549
ISHARES TR RUS 1000 VAL ETF 464287598   627,124 3,795 SH   SOLE   0 0 3,795
MERCK & CO INC COM 58933Y105   593,614 5,445 SH   SOLE   0 0 5,445
MARSH & MCLENNAN COS INC COM 571748102   590,767 3,118 SH   SOLE   0 0 3,118
UNITED PARCEL SERVICE INC CL B 911312106   565,399 3,596 SH   SOLE   0 0 3,596
METTLER TOLEDO INTERNATIONAL COM 592688105   562,813 464 SH   SOLE   0 0 464
PROGRESSIVE CORP COM 743315103   555,569 3,488 SH   SOLE   0 0 3,488
AMERICAN TOWER CORP NEW COM 03027X100   540,995 2,506 SH   SOLE   0 0 2,506
ASML HOLDING N V N Y REGISTRY SHS N07059210   530,601 701 SH   SOLE   0 0 701
CONOCOPHILLIPS COM 20825C104   501,422 4,320 SH   SOLE   0 0 4,320
ILLINOIS TOOL WKS INC COM 452308109   494,805 1,889 SH   SOLE   0 0 1,889
US BANCORP DEL COM NEW 902973304   492,310 11,375 SH   SOLE   0 0 11,375
HONEYWELL INTL INC COM 438516106   485,479 2,315 SH   SOLE   0 0 2,315
JOHNSON & JOHNSON COM 478160104   476,019 3,037 SH   SOLE   0 0 3,037
CHARTER COMMUNICATIONS INC N CL A 16119P108   470,303 1,210 SH   SOLE   0 0 1,210
MARTIN MARIETTA MATLS INC COM 573284106   464,485 931 SH   SOLE   0 0 931
BANK AMERICA CORP COM 060505104   463,333 13,761 SH   SOLE   0 0 13,761
AIR PRODS & CHEMS INC COM 009158106   462,996 1,691 SH   SOLE   0 0 1,691
NIKE INC CL B 654106103   457,948 4,218 SH   SOLE   0 0 4,218
SCHWAB CHARLES CORP COM 808513105   452,498 6,577 SH   SOLE   0 0 6,577
TEXAS INSTRS INC COM 882508104   443,878 2,604 SH   SOLE   0 0 2,604
AMGEN INC COM 031162100   435,774 1,513 SH   SOLE   0 0 1,513
FRANKLIN COVEY CO COM 353469109   426,942 9,808 SH   SOLE   0 0 9,808
NORTHROP GRUMMAN CORP COM 666807102   415,240 887 SH   SOLE   0 0 887
ORACLE CORP COM 68389X105   414,551 3,932 SH   SOLE   0 0 3,932
EXXON MOBIL CORP COM 30231G102   393,721 3,938 SH   SOLE   0 0 3,938
ISHARES TR CORE S&P MCP ETF 464287507   392,999 1,418 SH   SOLE   0 0 1,418
TRAVELERS COMPANIES INC COM 89417E109   373,551 1,961 SH   SOLE   0 0 1,961
AUTODESK INC COM 052769106   369,846 1,519 SH   SOLE   0 0 1,519
AMAZON COM INC COM 023135106   361,921 2,382 SH   SOLE   0 0 2,382
VERTEX PHARMACEUTICALS INC COM 92532F100   360,505 886 SH   SOLE   0 0 886
EDISON INTL COM 281020107   360,238 5,039 SH   SOLE   0 0 5,039
VISA INC COM CL A 92826C839   356,159 1,368 SH   SOLE   0 0 1,368
ALPHABET INC CAP STK CL A 02079K305   353,555 2,531 SH   SOLE   0 0 2,531
VANGUARD INDEX FDS SM CP VAL ETF 922908611   352,972 1,961 SH   SOLE   0 0 1,961
MCKESSON CORP COM 58155Q103   329,642 712 SH   SOLE   0 0 712
RTX CORPORATION COM 75513E101   303,914 3,612 SH   SOLE   0 0 3,612
OTIS WORLDWIDE CORP COM 68902V107   298,561 3,337 SH   SOLE   0 0 3,337
SHERWIN WILLIAMS CO COM 824348106   281,958 904 SH   SOLE   0 0 904
CVS HEALTH CORP COM 126650100   270,833 3,430 SH   SOLE   0 0 3,430
ISHARES TR CORE S&P US GWT 464287671   265,976 2,555 SH   SOLE   0 0 2,555
BIOGEN INC COM 09062X103   241,432 933 SH   SOLE   0 0 933
ABBVIE INC COM 00287Y109   234,315 1,512 SH   SOLE   0 0 1,512
L3HARRIS TECHNOLOGIES INC COM 502431109   228,523 1,085 SH   SOLE   0 0 1,085
HALEON PLC SPON ADS 405552100   225,658 27,419 SH   SOLE   0 0 27,419