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
ABBOTT LABS COM 002824100   400,734 3,650 SH   SOLE   0 0 3,650
ABBVIE INC COM 00287Y109   773,950 4,789 SH   SOLE   0 0 4,789
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   274,312 1,028 SH   SOLE   0 0 1,028
ADOBE SYSTEMS INCORPORATED COM 00724F101   360,424 1,071 SH   SOLE   0 0 1,071
ALLSTATE CORP COM 020002101   549,858 4,055 SH   SOLE   0 0 4,055
ALPHABET INC CAP STK CL A 02079K305   490,029 5,554 SH   SOLE   0 0 5,554
ALPHABET INC CAP STK CL C 02079K107   241,346 2,720 SH   SOLE   0 0 2,720
AMAZON COM INC COM 023135106   826,812 9,843 SH   SOLE   0 0 9,843
AMERIPRISE FINL INC COM 03076C106   1,231,531 3,955 SH   SOLE   0 0 3,955
AMGEN INC COM 031162100   245,306 934 SH   SOLE   0 0 934
APPLE INC COM 037833100   942,512 7,254 SH   SOLE   0 0 7,254
BALL CORP COM 058498106   303,158 5,928 SH   SOLE   0 0 5,928
BANK AMERICA CORP COM 060505104   386,212 11,661 SH   SOLE   0 0 11,661
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   706,763 2,288 SH   SOLE   0 0 2,288
BLACKSTONE INC COM 09260D107   456,586 6,154 SH   SOLE   0 0 6,154
BRISTOL-MYERS SQUIBB CO COM 110122108   372,773 5,181 SH   SOLE   0 0 5,181
BROADCOM INC COM 11135F101   258,877 463 SH   SOLE   0 0 463
CHEVRON CORP NEW COM 166764100   250,209 1,394 SH   SOLE   0 0 1,394
CISCO SYS INC COM 17275R102   440,956 9,256 SH   SOLE   0 0 9,256
CITIGROUP INC COM NEW 172967424   259,485 5,737 SH   SOLE   0 0 5,737
COCA COLA CO COM 191216100   408,376 6,420 SH   SOLE   0 0 6,420
COLUMBIA ETF TR I DIVERSIFID FXD 19761L508   6,102,350 352,941 SH   SOLE   0 0 352,941
COMCAST CORP NEW CL A 20030N101   338,999 9,694 SH   SOLE   0 0 9,694
CONSTELLATION BRANDS INC CL A 21036P108   892,238 3,850 SH   SOLE   0 0 3,850
COSTCO WHSL CORP NEW COM 22160K105   276,639 606 SH   SOLE   0 0 606
CVS HEALTH CORP COM 126650100   1,085,067 11,644 SH   SOLE   0 0 11,644
DANAHER CORPORATION COM 235851102   567,999 2,140 SH   SOLE   0 0 2,140
DBX ETF TR XTRCKR MSCI US 233051150   2,381,899 68,356 SH   SOLE   0 0 68,356
DISNEY WALT CO COM 254687106   351,690 4,048 SH   SOLE   0 0 4,048
EXXON MOBIL CORP COM 30231G102   1,818,328 16,485 SH   SOLE   0 0 16,485
FRANKLIN RESOURCES INC COM 354613101   223,834 8,485 SH   SOLE   0 0 8,485
FRANKLIN TEMPLETON ETF TR HIGH YIELD CORP 35473P629   11,994,450 543,966 SH   SOLE   0 0 543,966
GOLDMAN SACHS GROUP INC COM 38141G104   1,903,699 5,544 SH   SOLE   0 0 5,544
HOME DEPOT INC COM 437076102   458,313 1,451 SH   SOLE   0 0 1,451
HONEYWELL INTL INC COM 438516106   502,105 2,343 SH   SOLE   0 0 2,343
INTEL CORP COM 458140100   279,682 10,582 SH   SOLE   0 0 10,582
INTERNATIONAL BUSINESS MACHS COM 459200101   727,759 5,165 SH   SOLE   0 0 5,165
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449   626,056 8,363 SH   SOLE   0 0 8,363
ISHARES TR 3 7 YR TREAS BD 464288661   367,780 3,201 SH   SOLE   0 0 3,201
ISHARES TR CORE US AGGBD ET 464287226   16,300,624 168,065 SH   SOLE   0 0 168,065
ISHARES TR CORE S&P500 ETF 464287200   257,036 669 SH   SOLE   0 0 669
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   5,470,845 121,251 SH   SOLE   0 0 121,251
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   6,499,894 119,286 SH   SOLE   0 0 119,286
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   495,157 9,877 SH   SOLE   0 0 9,877
JACOBS SOLUTIONS INC COM 46982L108   572,734 4,770 SH   SOLE   0 0 4,770
JOHNSON & JOHNSON COM 478160104   647,246 3,664 SH   SOLE   0 0 3,664
JPMORGAN CHASE & CO COM 46625H100   1,356,770 10,118 SH   SOLE   0 0 10,118
LEGG MASON ETF INVT WESTN AST SHRT 52468L786   554,424 23,663 SH   SOLE   0 0 23,663
LILLY ELI & CO COM 532457108   555,711 1,519 SH   SOLE   0 0 1,519
LINDE PLC SHS G5494J103   322,592 989 SH   SOLE   0 0 989
LOCKHEED MARTIN CORP COM 539830109   477,733 982 SH   SOLE   0 0 982
LOWES COS INC COM 548661107   333,926 1,676 SH   SOLE   0 0 1,676
M & T BK CORP COM 55261F104   307,237 2,118 SH   SOLE   0 0 2,118
MASTERCARD INCORPORATED CL A 57636Q104   562,279 1,617 SH   SOLE   0 0 1,617
MCDONALDS CORP COM 580135101   400,302 1,519 SH   SOLE   0 0 1,519
MERCK & CO INC COM 58933Y105   535,445 4,826 SH   SOLE   0 0 4,826
META PLATFORMS INC CL A 30303M102   241,161 2,004 SH   SOLE   0 0 2,004
MICROSOFT CORP COM 594918104   3,259,346 13,591 SH   SOLE   0 0 13,591
MONDELEZ INTL INC CL A 609207105   293,593 4,405 SH   SOLE   0 0 4,405
NEXTERA ENERGY INC COM 65339F101   1,289,028 15,419 SH   SOLE   0 0 15,419
NIKE INC CL B 654106103   420,300 3,592 SH   SOLE   0 0 3,592
NVIDIA CORPORATION COM 67066G104   453,765 3,105 SH   SOLE   0 0 3,105
PEPSICO INC COM 713448108   446,772 2,473 SH   SOLE   0 0 2,473
PFIZER INC COM 717081103   418,887 8,175 SH   SOLE   0 0 8,175
PHILIP MORRIS INTL INC COM 718172109   257,782 2,547 SH   SOLE   0 0 2,547
PROCTER AND GAMBLE CO COM 742718109   457,105 3,016 SH   SOLE   0 0 3,016
QUALCOMM INC COM 747525103   384,350 3,496 SH   SOLE   0 0 3,496
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,300,152 12,883 SH   SOLE   0 0 12,883
SALESFORCE INC COM 79466L302   278,174 2,098 SH   SOLE   0 0 2,098
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   774,723 11,808 SH   SOLE   0 0 11,808
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   384,594 4,951 SH   SOLE   0 0 4,951
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   634,535 6,461 SH   SOLE   0 0 6,461
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   7,956,273 215,442 SH   SOLE   0 0 215,442
SPDR SER TR BLOOMBERG HIGH Y 78468R622   467,910 5,199 SH   SOLE   0 0 5,199
SPDR SER TR PORTFOLI S&P1500 78464A805   999,711 21,140 SH   SOLE   0 0 21,140
SPDR SER TR PORTFLI TIPS ETF 78464A656   7,343,300 285,066 SH   SOLE   0 0 285,066
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   7,937,995 194,083 SH   SOLE   0 0 194,083
TARGET CORP COM 87612E106   373,196 2,504 SH   SOLE   0 0 2,504
TEXAS INSTRS INC COM 882508104   336,718 2,038 SH   SOLE   0 0 2,038
THERMO FISHER SCIENTIFIC INC COM 883556102   320,502 582 SH   SOLE   0 0 582
TRITIUM DCFC LIMITED ORDINARY SHARES Q9225T108   44,520 26,500 SH   SOLE   0 0 26,500
UNION PAC CORP COM 907818108   303,150 1,464 SH   SOLE   0 0 1,464
UNITEDHEALTH GROUP INC COM 91324P102   1,182,089 2,230 SH   SOLE   0 0 2,230
VANGUARD INDEX FDS TOTAL STK MKT 922908769   42,574,954 222,684 SH   SOLE   0 0 222,684
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,854,061 201,490 SH   SOLE   0 0 201,490
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   17,851,457 207,118 SH   SOLE   0 0 207,118
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   6,842,817 45,063 SH   SOLE   0 0 45,063
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   6,174,788 103,656 SH   SOLE   0 0 103,656
VERIZON COMMUNICATIONS INC COM 92343V104   324,853 8,245 SH   SOLE   0 0 8,245
VISA INC COM CL A 92826C839   699,943 3,369 SH   SOLE   0 0 3,369
WALMART INC COM 931142103   365,393 2,577 SH   SOLE   0 0 2,577
WELLS FARGO CO NEW COM 949746101   251,828 6,099 SH   SOLE   0 0 6,099
ZSCALER INC COM 98980G102   238,571 2,132 SH   SOLE   0 0 2,132