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   389,142 3,843 SH   SOLE   0 0 3,843
ABBVIE INC COM 00287Y109   768,960 4,825 SH   SOLE   0 0 4,825
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   333,254 1,166 SH   SOLE   0 0 1,166
ADOBE SYSTEMS INCORPORATED COM 00724F101   430,073 1,116 SH   SOLE   0 0 1,116
ALLSTATE CORP COM 020002101   420,967 3,799 SH   SOLE   0 0 3,799
ALPHABET INC CAP STK CL C 02079K107   283,400 2,725 SH   SOLE   0 0 2,725
ALPHABET INC CAP STK CL A 02079K305   596,655 5,752 SH   SOLE   0 0 5,752
AMAZON COM INC COM 023135106   1,005,838 9,738 SH   SOLE   0 0 9,738
AMERIPRISE FINL INC COM 03076C106   1,144,839 3,735 SH   SOLE   0 0 3,735
AMGEN INC COM 031162100   209,597 867 SH   SOLE   0 0 867
APPLE INC COM 037833100   1,203,770 7,300 SH   SOLE   0 0 7,300
BALL CORP COM 058498106   302,499 5,489 SH   SOLE   0 0 5,489
BANK AMERICA CORP COM 060505104   355,326 12,424 SH   SOLE   0 0 12,424
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,248,357 4,043 SH   SOLE   0 0 4,043
BLACKSTONE INC COM 09260D107   531,756 6,054 SH   SOLE   0 0 6,054
BOOKING HOLDINGS INC COM 09857L108   241,369 91 SH   SOLE   0 0 91
BRISTOL-MYERS SQUIBB CO COM 110122108   376,561 5,433 SH   SOLE   0 0 5,433
BROADCOM INC COM 11135F101   343,865 536 SH   SOLE   0 0 536
CHEVRON CORP NEW COM 166764100   264,319 1,620 SH   SOLE   0 0 1,620
CISCO SYS INC COM 17275R102   481,453 9,210 SH   SOLE   0 0 9,210
CITIGROUP INC COM NEW 172967424   250,205 5,336 SH   SOLE   0 0 5,336
COCA COLA CO COM 191216100   418,951 6,754 SH   SOLE   0 0 6,754
COLUMBIA ETF TR I DIVERSIFID FXD 19761L508   6,541,296 366,049 SH   SOLE   0 0 366,049
COMCAST CORP NEW CL A 20030N101   383,877 10,126 SH   SOLE   0 0 10,126
CONSTELLATION BRANDS INC CL A 21036P108   833,308 3,689 SH   SOLE   0 0 3,689
COSTCO WHSL CORP NEW COM 22160K105   781,577 1,573 SH   SOLE   0 0 1,573
CVS HEALTH CORP COM 126650100   831,573 11,191 SH   SOLE   0 0 11,191
DANAHER CORPORATION COM 235851102   558,773 2,217 SH   SOLE   0 0 2,217
DBX ETF TR XTRCKR MSCI US 233051150   2,561,532 68,167 SH   SOLE   0 0 68,167
DISNEY WALT CO COM 254687106   418,543 4,180 SH   SOLE   0 0 4,180
EXXON MOBIL CORP COM 30231G102   1,679,638 15,317 SH   SOLE   0 0 15,317
FRANKLIN RESOURCES INC COM 354613101   217,810 8,085 SH   SOLE   0 0 8,085
FRANKLIN TEMPLETON ETF TR HIGH YIELD CORP 35473P629   12,552,373 548,858 SH   SOLE   0 0 548,858
GOLDMAN SACHS GROUP INC COM 38141G104   1,721,253 5,262 SH   SOLE   0 0 5,262
HOME DEPOT INC COM 437076102   465,699 1,578 SH   SOLE   0 0 1,578
HONEYWELL INTL INC COM 438516106   438,620 2,295 SH   SOLE   0 0 2,295
INTEL CORP COM 458140100   375,705 11,500 SH   SOLE   0 0 11,500
INTERNATIONAL BUSINESS MACHS COM 459200101   677,195 5,166 SH   SOLE   0 0 5,166
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449   679,911 8,712 SH   SOLE   0 0 8,712
ISHARES TR CORE US AGGBD ET 464287226   17,271,398 173,338 SH   SOLE   0 0 173,338
ISHARES TR 7-10 YR TRSY BD 464287440   561,118 5,661 SH   SOLE   0 0 5,661
ISHARES TR CORE S&P500 ETF 464287200   275,013 669 SH   SOLE   0 0 669
ISHARES TR 3 7 YR TREAS BD 464288661   264,995 2,252 SH   SOLE   0 0 2,252
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   5,743,364 125,470 SH   SOLE   0 0 125,470
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   6,548,919 119,944 SH   SOLE   0 0 119,944
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   363,874 7,231 SH   SOLE   0 0 7,231
JACOBS SOLUTIONS INC COM 46982L108   524,800 4,466 SH   SOLE   0 0 4,466
JOHNSON & JOHNSON COM 478160104   599,385 3,867 SH   SOLE   0 0 3,867
JPMORGAN CHASE & CO COM 46625H100   1,306,286 10,024 SH   SOLE   0 0 10,024
LEGG MASON ETF INVT WESTN AST SHRT 52468L786   389,190 16,466 SH   SOLE   0 0 16,466
LILLY ELI & CO COM 532457108   520,625 1,516 SH   SOLE   0 0 1,516
LINDE PLC SHS G54950103   372,146 1,047 SH   SOLE   0 0 1,047
LOCKHEED MARTIN CORP COM 539830109   459,494 972 SH   SOLE   0 0 972
LOWES COS INC COM 548661107   317,552 1,588 SH   SOLE   0 0 1,588
M & T BK CORP COM 55261F104   244,521 2,045 SH   SOLE   0 0 2,045
MASTERCARD INCORPORATED CL A 57636Q104   928,876 2,556 SH   SOLE   0 0 2,556
MCDONALDS CORP COM 580135101   438,428 1,568 SH   SOLE   0 0 1,568
MERCK & CO INC COM 58933Y105   841,758 7,912 SH   SOLE   0 0 7,912
META PLATFORMS INC CL A 30303M102   465,208 2,195 SH   SOLE   0 0 2,195
MICROSOFT CORP COM 594918104   2,886,114 10,011 SH   SOLE   0 0 10,011
MONDELEZ INTL INC CL A 609207105   300,633 4,312 SH   SOLE   0 0 4,312
NEXTERA ENERGY INC COM 65339F101   1,336,644 17,341 SH   SOLE   0 0 17,341
NIKE INC CL B 654106103   454,381 3,705 SH   SOLE   0 0 3,705
NVIDIA CORPORATION COM 67066G104   853,587 3,073 SH   SOLE   0 0 3,073
PEPSICO INC COM 713448108   462,860 2,539 SH   SOLE   0 0 2,539
PFIZER INC COM 717081103   332,520 8,150 SH   SOLE   0 0 8,150
PHILIP MORRIS INTL INC COM 718172109   284,067 2,921 SH   SOLE   0 0 2,921
PROCTER AND GAMBLE CO COM 742718109   468,374 3,150 SH   SOLE   0 0 3,150
QUALCOMM INC COM 747525103   471,281 3,694 SH   SOLE   0 0 3,694
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,261,730 12,884 SH   SOLE   0 0 12,884
SALESFORCE INC COM 79466L302   445,509 2,230 SH   SOLE   0 0 2,230
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   935,652 13,790 SH   SOLE   0 0 13,790
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   8,319,949 222,578 SH   SOLE   0 0 222,578
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   371,036 4,600 SH   SOLE   0 0 4,600
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   610,824 6,037 SH   SOLE   0 0 6,037
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   585,451 8,649 SH   SOLE   0 0 8,649
SPDR SER TR PORTFLI TIPS ETF 78464A656   7,293,898 273,487 SH   SOLE   0 0 273,487
SPDR SER TR PORTFOLI S&P1500 78464A805   963,062 19,097 SH   SOLE   0 0 19,097
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   7,203,287 173,741 SH   SOLE   0 0 173,741
TARGET CORP COM 87612E106   391,052 2,361 SH   SOLE   0 0 2,361
TESLA INC COM 88160R101   259,947 1,253 SH   SOLE   0 0 1,253
TEXAS INSTRS INC COM 882508104   394,155 2,119 SH   SOLE   0 0 2,119
THERMO FISHER SCIENTIFIC INC COM 883556102   353,891 614 SH   SOLE   0 0 614
TRITIUM DCFC LIMITED ORDINARY SHARES Q9225T108   33,920 26,500 SH   SOLE   0 0 26,500
UNION PAC CORP COM 907818108   316,582 1,573 SH   SOLE   0 0 1,573
UNITEDHEALTH GROUP INC COM 91324P102   1,053,214 2,229 SH   SOLE   0 0 2,229
VANGUARD INDEX FDS TOTAL STK MKT 922908769   45,387,319 222,378 SH   SOLE   0 0 222,378
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   19,507,362 211,829 SH   SOLE   0 0 211,829
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   8,364,530 207,043 SH   SOLE   0 0 207,043
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   6,814,634 44,248 SH   SOLE   0 0 44,248
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   6,708,256 108,285 SH   SOLE   0 0 108,285
VERIZON COMMUNICATIONS INC COM 92343V104   338,499 8,704 SH   SOLE   0 0 8,704
VISA INC COM CL A 92826C839   971,958 4,311 SH   SOLE   0 0 4,311
WALMART INC COM 931142103   648,780 4,400 SH   SOLE   0 0 4,400
WELLS FARGO CO NEW COM 949746101   262,221 7,015 SH   SOLE   0 0 7,015
ZSCALER INC COM 98980G102   231,791 1,984 SH   SOLE   0 0 1,984