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
Estimated average burden
hours per response: 23.8
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
9 METERS BIOPHARMA INC COM 654405109 34 35,000 SH   SOLE   0 0 35,000
ABBOTT LABS COM 002824100 260 1,838 SH   SOLE   0 0 1,838
ABBVIE INC COM 00287Y109 572 4,195 SH   SOLE   0 0 4,195
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 359 864 SH   SOLE   0 0 864
ADOBE SYSTEMS INCORPORATED COM 00724F101 235 415 SH   SOLE   0 0 415
ALLSTATE CORP COM 020002101 530 4,531 SH   SOLE   0 0 4,531
ALPHABET INC CAP STK CL A 02079K305 651 223 SH   SOLE   0 0 223
ALPHABET INC CAP STK CL C 02079K107 400 138 SH   SOLE   0 0 138
AMAZON COM INC COM 023135106 1,311 395 SH   SOLE   0 0 395
AMERIPRISE FINL INC COM 03076C106 1,164 3,843 SH   SOLE   0 0 3,843
AMGEN INC COM 031162100 304 1,357 SH   SOLE   0 0 1,357
APPLE INC COM 037833100 1,164 6,526 SH   SOLE   0 0 6,526
AT&T INC COM 00206R102 222 8,969 SH   SOLE   0 0 8,969
BALL CORP COM 058498106 596 6,155 SH   SOLE   0 0 6,155
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 563 1,874 SH   SOLE   0 0 1,874
BK OF AMERICA CORP COM 060505104 356 7,980 SH   SOLE   0 0 7,980
BLACKROCK INC COM 09247X101 258 278 SH   SOLE   0 0 278
BLACKSTONE INC COM 09260D107 560 4,328 SH   SOLE   0 0 4,328
BOOKING HOLDINGS INC COM 09857L108 266 113 SH   SOLE   0 0 113
CISCO SYS INC COM 17275R102 379 5,935 SH   SOLE   0 0 5,935
CITIGROUP INC COM NEW 172967424 436 7,171 SH   SOLE   0 0 7,171
COCA COLA CO COM 191216100 296 5,021 SH   SOLE   0 0 5,021
COLUMBIA ETF TR I DIVERSIFID FXD 19761L508 12,053 565,516 SH   SOLE   0 0 565,516
COMCAST CORP NEW CL A 20030N101 312 6,194 SH   SOLE   0 0 6,194
CONSTELLATION BRANDS INC CL A 21036P108 909 3,578 SH   SOLE   0 0 3,578
CVS HEALTH CORP COM 126650100 1,112 10,809 SH   SOLE   0 0 10,809
DANAHER CORPORATION COM 235851102 513 1,551 SH   SOLE   0 0 1,551
DBX ETF TR XTRCKR MSCI US 233051150 3,073 69,314 SH   SOLE   0 0 69,314
DISNEY WALT CO COM 254687106 437 2,859 SH   SOLE   0 0 2,859
EXXON MOBIL CORP COM 30231G102 1,029 16,725 SH   SOLE   0 0 16,725
FORD MTR CO DEL COM 345370860 208 10,032 SH   SOLE   0 0 10,032
FRANKLIN ETF TR SHRT DUR US GOVT 353506108 352 3,742 SH   SOLE   0 0 3,742
FRANKLIN RESOURCES INC COM 354613101 378 11,285 SH   SOLE   0 0 11,285
FRANKLIN TEMPLETON ETF TR ULTRA SHORT BOND 35473P496 906 36,563 SH   SOLE   0 0 36,563
FRANKLIN TEMPLETON ETF TR HIGH YIELD CORP 35473P629 12,353 471,583 SH   SOLE   0 0 471,583
FRANKLIN TEMPLETON ETF TR US CORE DIV TILT 35473P306 1,275 34,896 SH   SOLE   0 0 34,896
GOLDMAN SACHS GROUP INC COM 38141G104 2,061 5,383 SH   SOLE   0 0 5,383
HOME DEPOT INC COM 437076102 495 1,200 SH   SOLE   0 0 1,200
HONEYWELL INTL INC COM 438516106 547 2,604 SH   SOLE   0 0 2,604
INTEL CORP COM 458140100 204 3,972 SH   SOLE   0 0 3,972
INTERNATIONAL BUSINESS MACHS COM 459200101 754 5,644 SH   SOLE   0 0 5,644
INTUIT COM 461202103 221 342 SH   SOLE   0 0 342
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 283 3,273 SH   SOLE   0 0 3,273
ISHARES TR IBONDS DEC25 ETF 46434VBD1 247 9,419 SH   SOLE   0 0 9,419
ISHARES TR CORE S&P500 ETF 464287200 289 605 SH   SOLE   0 0 605
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 5,785 114,549 SH   SOLE   0 0 114,549
JACOBS ENGR GROUP INC COM 469814107 689 4,930 SH   SOLE   0 0 4,930
JOHNSON & JOHNSON COM 478160104 468 2,743 SH   SOLE   0 0 2,743
JPMORGAN CHASE & CO COM 46625H100 1,364 8,621 SH   SOLE   0 0 8,621
LEGG MASON ETF INVT WESTN AST SHRT 52468L786 1,965 75,801 SH   SOLE   0 0 75,801
LILLY ELI & CO COM 532457108 348 1,262 SH   SOLE   0 0 1,262
LOCKHEED MARTIN CORP COM 539830109 359 1,018 SH   SOLE   0 0 1,018
LOWES COS INC COM 548661107 595 2,307 SH   SOLE   0 0 2,307
M & T BK CORP COM 55261F104 314 2,045 SH   SOLE   0 0 2,045
MASTERCARD INCORPORATED CL A 57636Q104 428 1,193 SH   SOLE   0 0 1,193
MCDONALDS CORP COM 580135101 278 1,039 SH   SOLE   0 0 1,039
MERCK & CO INC COM 58933Y105 262 3,394 SH   SOLE   0 0 3,394
META PLATFORMS INC CL A 30303M102 383 1,144 SH   SOLE   0 0 1,144
MICROSOFT CORP COM 594918104 4,372 13,017 SH   SOLE   0 0 13,017
MONDELEZ INTL INC CL A 609207105 319 4,823 SH   SOLE   0 0 4,823
NETFLIX INC COM 64110L106 257 432 SH   SOLE   0 0 432
NEXTERA ENERGY INC COM 65339F101 1,212 12,990 SH   SOLE   0 0 12,990
NIKE INC CL B 654106103 281 1,679 SH   SOLE   0 0 1,679
NVIDIA CORPORATION COM 67066G104 729 2,463 SH   SOLE   0 0 2,463
ORACLE CORP COM 68389X105 253 2,892 SH   SOLE   0 0 2,892
PAYPAL HLDGS INC COM 70450Y103 600 3,154 SH   SOLE   0 0 3,154
PEPSICO INC COM 713448108 325 1,882 SH   SOLE   0 0 1,882
PFIZER INC COM 717081103 351 5,885 SH   SOLE   0 0 5,885
PRINCIPAL EXCHANGE TRADED FD ACTIVE HIGH YL 74255Y102 301 14,470 SH   SOLE   0 0 14,470
PROCTER AND GAMBLE CO COM 742718109 340 2,081 SH   SOLE   0 0 2,081
QUALCOMM INC COM 747525103 462 2,527 SH   SOLE   0 0 2,527
RAYTHEON TECHNOLOGIES CORP COM 75513E101 962 11,184 SH   SOLE   0 0 11,184
RENT A CTR INC NEW COM 76009N100 276 5,749 SH   SOLE   0 0 5,749
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 9,834 189,911 SH   SOLE   0 0 189,911
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 449 4,996 SH   SOLE   0 0 4,996
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 696 6,612 SH   SOLE   0 0 6,612
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 442 6,163 SH   SOLE   0 0 6,163
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 276 6,580 SH   SOLE   0 0 6,580
SPDR SER TR PORTFLI HIGH YLD 78468R606 545 20,463 SH   SOLE   0 0 20,463
SPDR SER TR PORTFLI TIPS ETF 78464A656 14,897 472,830 SH   SOLE   0 0 472,830
SPDR SER TR PORTFOLI S&P1500 78464A805 1,382 23,619 SH   SOLE   0 0 23,619
SPDR SER TR BLOOMBERG HIGH Y 78468R622 425 3,911 SH   SOLE   0 0 3,911
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 14,888 326,009 SH   SOLE   0 0 326,009
STARBUCKS CORP COM 855244109 255 2,162 SH   SOLE   0 0 2,162
TARGET CORP COM 87612E106 644 2,799 SH   SOLE   0 0 2,799
TEXAS INSTRS INC COM 882508104 254 1,352 SH   SOLE   0 0 1,352
THERMO FISHER SCIENTIFIC INC COM 883556102 286 430 SH   SOLE   0 0 430
UNION PAC CORP COM 907818108 248 962 SH   SOLE   0 0 962
UNITED PARCEL SERVICE INC CL B 911312106 278 1,291 SH   SOLE   0 0 1,291
UNITEDHEALTH GROUP INC COM 91324P102 1,064 2,039 SH   SOLE   0 0 2,039
VANGUARD INDEX FDS TOTAL STK MKT 922908769 52,816 218,739 SH   SOLE   0 0 218,739
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,214 145,681 SH   SOLE   0 0 145,681
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 17,450 162,304 SH   SOLE   0 0 162,304
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,570 38,247 SH   SOLE   0 0 38,247
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 284 5,551 SH   SOLE   0 0 5,551
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 203 1,820 SH   SOLE   0 0 1,820
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 5,279 67,889 SH   SOLE   0 0 67,889
VERIZON COMMUNICATIONS INC COM 92343V104 282 5,435 SH   SOLE   0 0 5,435
VISA INC COM CL A 92826C839 559 2,592 SH   SOLE   0 0 2,592
WALMART INC COM 931142103 235 1,628 SH   SOLE   0 0 1,628
ZSCALER INC COM 98980G102 698 2,157 SH   SOLE   0 0 2,157