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
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 3,312 65,880 SH   SOLE   0 0 65,880
VERIZON COMMUNICATIONS INC COM 92343V104 378 9,961 SH   SOLE   0 0 9,961
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 1,969 32,820 SH   SOLE   0 0 32,820
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,221 18,634 SH   SOLE   0 0 18,634
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 376 3,167 SH   SOLE   0 0 3,167
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 435 5,251 SH   SOLE   0 0 5,251
SELECT SECTOR SPDR TR ENERGY 81369Y506 261 3,625 SH   SOLE   0 0 3,625
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 463 3,819 SH   SOLE   0 0 3,819
SPDR SER TR SPDR S&P 500 ETF 78468R796 540 6,194 SH   SOLE   0 0 6,194
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 386 1,342 SH   SOLE   0 0 1,342
SPDR SER TR S&P DIVID ETF 78464A763 365 3,275 SH   SOLE   0 0 3,275
SPDR S&P 500 ETF TR TR UNIT 78462F103 449 1,257 SH   SOLE   0 0 1,257
PROSHARES TR PET CARE ETF 74348A145 529 11,964 SH   SOLE   0 0 11,964
MERCK & CO INC COM 58933Y105 425 4,929 SH   SOLE   0 0 4,929
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 290 5,781 SH   SOLE   0 0 5,781
JPMORGAN CHASE & CO COM 46625H100 314 3,005 SH   SOLE   0 0 3,005
ISHARES TR ESG AWRE 1 5 YR 46435G243 602 25,645 SH   SOLE   0 0 25,645
ISHARES TR BLACKROCK ULTRA 46434V878 1,625 32,486 SH   SOLE   0 0 32,486
ISHARES TR TRS FLT RT BD 46434V860 351 6,950 SH   SOLE   0 0 6,950
ISHARES TR CORE DIV GRWTH 46434V621 1,552 34,897 SH   SOLE   0 0 34,897
ISHARES TR CORE MSCI EAFE 46432F842 600 11,393 SH   SOLE   0 0 11,393
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,954 30,740 SH   SOLE   0 0 30,740
ISHARES TR MSCI USA MIN VOL 46429B697 5,389 81,529 SH   SOLE   0 0 81,529
ISHARES TR CORE HIGH DV ETF 46429B663 295 3,232 SH   SOLE   0 0 3,232
ISHARES TR GNMA BOND ETF 46429B333 1,752 40,730 SH   SOLE   0 0 40,730
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,069 50,469 SH   SOLE   0 0 50,469
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 539 25,833 SH   SOLE   0 0 25,833
EXXON MOBIL CORP COM 30231G102 1,060 12,140 SH   SOLE   0 0 12,140
EFFECTOR THERAPEUTICS INC COM 28202V108 18 31,000 SH   SOLE   0 0 31,000
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 431 10,607 SH   SOLE   0 0 10,607
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 408 18,747 SH   SOLE   0 0 18,747
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 536 27,999 SH   SOLE   0 0 27,999
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 637 31,144 SH   SOLE   0 0 31,144
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 326 11,018 SH   SOLE   0 0 11,018
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 763 34,303 SH   SOLE   0 0 34,303
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 644 16,515 SH   SOLE   0 0 16,515
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 707 15,192 SH   SOLE   0 0 15,192
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 223 5,749 SH   SOLE   0 0 5,749
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 309 15,361 SH   SOLE   0 0 15,361
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 417 19,335 SH   SOLE   0 0 19,335
COHEN & STEERS REIT & PFD & COM 19247X100 349 18,024 SH   SOLE   0 0 18,024
AMERICAN TOWER CORP NEW COM 03027X100 251 1,170 SH   SOLE   0 0 1,170
ALPHABET INC CAP STK CL A 02079K305 247 2,580 SH   SOLE   0 0 2,580
ABBVIE INC COM 00287Y109 589 4,386 SH   SOLE   0 0 4,386
INVESCO QQQ TR UNIT SER 1 46090E103 470 1,757 SH   SOLE   0 0 1,757
VANGUARD INDEX FDS TOTAL STK MKT 922908769 293 1,633 SH   SOLE   0 0 1,633
VANGUARD INDEX FDS VALUE ETF 922908744 651 5,275 SH   SOLE   0 0 5,275
VANGUARD INDEX FDS GROWTH ETF 922908736 411 1,923 SH   SOLE   0 0 1,923
VANGUARD INDEX FDS MID CAP ETF 922908629 1,186 6,308 SH   SOLE   0 0 6,308
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 314 3,914 SH   SOLE   0 0 3,914
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 536 1,633 SH   SOLE   0 0 1,633
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,185 24,620 SH   SOLE   0 0 24,620
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 506 13,869 SH   SOLE   0 0 13,869
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,871 38,893 SH   SOLE   0 0 38,893
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,090 8,065 SH   SOLE   0 0 8,065
TORONTO DOMINION BK ONT COM NEW 891160509 604 9,842 SH   SOLE   0 0 9,842
TJX COS INC NEW COM 872540109 331 5,334 SH   SOLE   0 0 5,334
SCHWAB STRATEGIC TR US TIPS ETF 808524870 355 6,850 SH   SOLE   0 0 6,850
ROYCE MICRO-CAP TR INC COM 780915104 412 51,933 SH   SOLE   0 0 51,933
PEPSICO INC COM 713448108 302 1,853 SH   SOLE   0 0 1,853
MICROSOFT CORP COM 594918104 1,140 4,896 SH   SOLE   0 0 4,896
MCDONALDS CORP COM 580135101 486 2,108 SH   SOLE   0 0 2,108
MANHATTAN BRDG CAP INC COM 562803106 50 50,000 SH   SOLE   0 0 50,000
JOHNSON & JOHNSON COM 478160104 995 6,092 SH   SOLE   0 0 6,092
ISHARES TR RUS TOP 200 ETF 464289446 262 3,080 SH   SOLE   0 0 3,080
ISHARES TR RUS TP200 GR ETF 464289438 466 3,898 SH   SOLE   0 0 3,898
ISHARES TR MSCI USA ESG SLC 464288802 1,726 22,738 SH   SOLE   0 0 22,738
ISHARES TR GLB CNSM STP ETF 464288737 312 5,819 SH   SOLE   0 0 5,819
ISHARES TR PFD AND INCM SEC 464288687 234 7,398 SH   SOLE   0 0 7,398
ISHARES TR SHORT TREAS BD 464288679 1,052 9,564 SH   SOLE   0 0 9,564
ISHARES TR ISHS 1-5YR INVS 464288646 8,029 162,921 SH   SOLE   0 0 162,921
ISHARES TR EAFE SML CP ETF 464288273 768 15,745 SH   SOLE   0 0 15,745
ISHARES TR SHRT NAT MUN ETF 464288158 249 2,422 SH   SOLE   0 0 2,422
ISHARES TR S&P SML 600 GWT 464287887 399 3,928 SH   SOLE   0 0 3,928
ISHARES TR SP SMCP600VL ETF 464287879 1,512 18,333 SH   SOLE   0 0 18,333
ISHARES TR CORE S&P SCP ETF 464287804 2,096 24,036 SH   SOLE   0 0 24,036
ISHARES TR RUSSELL 2000 ETF 464287655 242 1,469 SH   SOLE   0 0 1,469
ISHARES TR EXPND TEC SC ETF 464287549 663 2,400 SH   SOLE   0 0 2,400
ISHARES TR CORE S&P MCP ETF 464287507 9,057 41,306 SH   SOLE   0 0 41,306
ISHARES TR MSCI EAFE ETF 464287465 316 5,636 SH   SOLE   0 0 5,636
ISHARES TR 1 3 YR TREAS BD 464287457 498 6,134 SH   SOLE   0 0 6,134
ISHARES TR GLOB HLTHCRE ETF 464287325 474 6,285 SH   SOLE   0 0 6,285
ISHARES TR S&P 500 GRWT ETF 464287309 417 7,205 SH   SOLE   0 0 7,205
ISHARES TR CORE US AGGBD ET 464287226 588 6,102 SH   SOLE   0 0 6,102
ISHARES TR CORE S&P500 ETF 464287200 10,517 29,324 SH   SOLE   0 0 29,324
ISHARES TR TIPS BD ETF 464287176 2,290 21,834 SH   SOLE   0 0 21,834
ISHARES TR SELECT DIVID ETF 464287168 253 2,360 SH   SOLE   0 0 2,360
ISHARES TR CORE S&P TTL STK 464287150 440 5,527 SH   SOLE   0 0 5,527
ISHARES INC MSCI EMERG MRKT 464286533 621 12,255 SH   SOLE   0 0 12,255
ISHARES INC MSCI GBL MIN VOL 464286525 1,435 16,206 SH   SOLE   0 0 16,206
ISHARES GOLD TR ISHARES NEW 464285204 1,608 50,998 SH   SOLE   0 0 50,998
INTERNATIONAL BUSINESS MACHS COM 459200101 390 3,280 SH   SOLE   0 0 3,280
HOME DEPOT INC COM 437076102 873 3,163 SH   SOLE   0 0 3,163
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 404 16,871 SH   SOLE   0 0 16,871
DBX ETF TR XTRACKERS S&P 233051143 370 11,522 SH   SOLE   0 0 11,522
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,249 12,169 SH   SOLE   0 0 12,169
BECTON DICKINSON & CO COM 075887109 207 930 SH   SOLE   0 0 930
APPLE INC COM 037833100 2,530 18,304 SH   SOLE   0 0 18,304
AMERICAN EXPRESS CO COM 025816109 252 1,868 SH   SOLE   0 0 1,868
AMAZON COM INC COM 023135106 244 2,160 SH   SOLE   0 0 2,160
ABRDN ASIA PACIFIC INCOME FU COM 003009107 290 114,901 SH   SOLE   0 0 114,901
ABBOTT LABS COM 002824100 520 5,375 SH   SOLE   0 0 5,375