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   242,877 2,212 SH   SOLE 1 0 0 2,212
ABBVIE INC COM 00287Y109   209,770 1,298 SH   SOLE 1 0 0 1,298
ADOBE SYSTEMS INCORPORATED COM 00724F101   227,831 677 SH   SOLE 1 0 0 677
ALPHABET INC CAP STK CL C 02079K107   766,627 8,640 SH   SOLE 1 0 0 8,640
ALPHABET INC CAP STK CL A 02079K305   536,438 6,080 SH   SOLE 1 0 0 6,080
AMAZON COM INC COM 023135106   1,103,508 13,137 SH   SOLE 1 0 0 13,137
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   4,048,876 76,121 SH   SOLE 1 0 0 76,121
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,086,518 54,845 SH   SOLE 1 0 0 54,845
AMERICAN TOWER CORP NEW COM 03027X100   225,585 1,057 SH   SOLE 1 0 0 1,057
APPLE INC COM 037833100   3,358,515 25,849 SH   SOLE 1 0 0 25,849
ARES CAPITAL CORP COM 04010L103   873,021 47,267 SH   SOLE 1 0 0 47,267
B2GOLD CORP COM 11777Q209   37,903 10,617 SH   SOLE 1 0 0 10,617
CHEVRON CORP NEW COM 166764100   715,922 3,989 SH   SOLE 1 0 0 3,989
CISCO SYS INC COM 17275R102   663,773 13,933 SH   SOLE 1 0 0 13,933
COCA COLA CO COM 191216100   283,619 4,459 SH   SOLE 1 0 0 4,459
COGNITION THERAPEUTICS INC COM CL A 19243B102   91,098 43,380 SH   SOLE 1 0 0 43,380
COHEN & STEERS QUALITY INCOM COM 19247L106   1,380,970 120,084 SH   SOLE 1 0 0 120,084
COMCAST CORP NEW CL A 20030N101   317,493 9,079 SH   SOLE 1 0 0 9,079
COSTCO WHSL CORP NEW COM 22160K105   621,777 1,362 SH   SOLE 1 0 0 1,362
CSX CORP COM 126408103   358,214 11,563 SH   SOLE 1 0 0 11,563
CVS HEALTH CORP COM 126650100   1,217,527 13,065 SH   SOLE 1 0 0 13,065
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   284,972 6,484 SH   SOLE 1 0 0 6,484
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   494,265 14,763 SH   SOLE 1 0 0 14,763
EMERSON ELEC CO COM 291011104   459,935 4,788 SH   SOLE 1 0 0 4,788
EXXON MOBIL CORP COM 30231G102   726,546 6,587 SH   SOLE 1 0 0 6,587
FIRST TR EXCH TRADED FD III INSTL PFD SECS 33739P855   218,048 12,243 SH   SOLE 1 0 0 12,243
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100   1,800,758 22,691 SH   SOLE 1 0 0 22,691
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   2,976,608 66,755 SH   SOLE 1 0 0 66,755
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102   4,167,144 159,967 SH   SOLE 1 0 0 159,967
GLOBAL X FDS US INFR DEV ETF 37954Y673   265,111 9,956 SH   SOLE 1 0 0 9,956
HOME DEPOT INC COM 437076102   243,761 772 SH   SOLE 1 0 0 772
ILLINOIS TOOL WKS INC COM 452308109   398,898 1,800 SH   SOLE 1 0 0 1,800
INTEL CORP COM 458140100   306,315 11,590 SH   SOLE 1 0 0 11,590
INTERNATIONAL BUSINESS MACHS COM 459200101   255,823 1,816 SH   SOLE 1 0 0 1,816
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   379,438 5,938 SH   SOLE 1 0 0 5,938
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   200,680 4,831 SH   SOLE 1 0 0 4,831
INVESCO EXCH TRADED FD TR II NASDAQNXTGEN100 46138G631   284,242 11,888 SH   SOLE 1 0 0 11,888
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   2,461,139 22,470 SH   SOLE 1 0 0 22,470
INVESCO EXCH TRD SLF IDX FD RAFI STRG US ETF 46138J726   4,826,988 179,709 SH   SOLE 1 0 0 179,709
INVESCO EXCH TRD SLF IDX FD DEFENSIVE EQTY 46138J775   385,407 5,795 SH   SOLE 1 0 0 5,795
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   291,576 1,200 SH   SOLE 1 0 0 1,200
INVESCO QQQ TR UNIT SER 1 46090E103   2,831,342 10,633 SH   SOLE 1 0 0 10,633
ISHARES INC CORE MSCI EMKT 46434G103   234,200 5,015 SH   SOLE 1 0 0 5,015
ISHARES TR SELECT DIVID ETF 464287168   595,040 4,934 SH   SOLE 1 0 0 4,934
ISHARES TR CORE S&P500 ETF 464287200   9,166,497 23,858 SH   SOLE 1 0 0 23,858
ISHARES TR S&P 500 GRWT ETF 464287309   490,698 8,388 SH   SOLE 1 0 0 8,388
ISHARES TR S&P 500 VAL ETF 464287408   1,931,897 13,317 SH   SOLE 1 0 0 13,317
ISHARES TR MSCI EAFE ETF 464287465   608,155 9,265 SH   SOLE 1 0 0 9,265
ISHARES TR RUS MID CAP ETF 464287499   342,646 5,080 SH   SOLE 1 0 0 5,080
ISHARES TR CORE S&P MCP ETF 464287507   11,615,842 48,021 SH   SOLE 1 0 0 48,021
ISHARES TR RUS 1000 VAL ETF 464287598   2,654,633 17,505 SH   SOLE 1 0 0 17,505
ISHARES TR RUS 1000 GRW ETF 464287614   971,793 4,536 SH   SOLE 1 0 0 4,536
ISHARES TR RUS 1000 ETF 464287622   1,566,269 7,440 SH   SOLE 1 0 0 7,440
ISHARES TR RUS 2000 VAL ETF 464287630   487,009 3,512 SH   SOLE 1 0 0 3,512
ISHARES TR RUS 2000 GRW ETF 464287648   379,702 1,770 SH   SOLE 1 0 0 1,770
ISHARES TR RUSSELL 2000 ETF 464287655   276,639 1,587 SH   SOLE 1 0 0 1,587
ISHARES TR U.S. REAL ES ETF 464287739   566,178 6,725 SH   SOLE 1 0 0 6,725
ISHARES TR CORE S&P SCP ETF 464287804   5,679,283 60,009 SH   SOLE 1 0 0 60,009
ISHARES TR MRGSTR MD CP GRW 464288307   2,321,366 43,084 SH   SOLE 1 0 0 43,084
ISHARES TR RESIDENTIAL MULT 464288562   2,605,462 38,125 SH   SOLE 1 0 0 38,125
ISHARES TR MSCI USA MIN VOL 46429B697   225,961 3,134 SH   SOLE 1 0 0 3,134
ISHARES TR CORE DIV GRWTH 46434V621   3,207,649 64,153 SH   SOLE 1 0 0 64,153
ISHARES TR ESG AWR MSCI USA 46435G425   339,508 4,006 SH   SOLE 1 0 0 4,006
JOHNSON & JOHNSON COM 478160104   1,722,830 9,753 SH   SOLE 1 0 0 9,753
JPMORGAN CHASE & CO COM 46625H100   1,126,658 8,402 SH   SOLE 1 0 0 8,402
LOWES COS INC COM 548661107   542,332 2,722 SH   SOLE 1 0 0 2,722
MASTERCARD INCORPORATED CL A 57636Q104   212,814 612 SH   SOLE 1 0 0 612
MCDONALDS CORP COM 580135101   668,208 2,536 SH   SOLE 1 0 0 2,536
MERCK & CO INC COM 58933Y105   493,721 4,421 SH   SOLE 1 0 0 4,421
META PLATFORMS INC CL A 30303M102   265,109 2,203 SH   SOLE 1 0 0 2,203
MICROSOFT CORP COM 594918104   2,061,163 8,595 SH   SOLE 1 0 0 8,595
MORGAN STANLEY COM NEW 617446448   527,578 6,205 SH   SOLE 1 0 0 6,205
NEXTERA ENERGY INC COM 65339F101   989,274 11,833 SH   SOLE 1 0 0 11,833
NUCOR CORP COM 670346105   317,872 2,402 SH   SOLE 1 0 0 2,402
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   204,567 5,985 SH   SOLE 1 0 0 5,985
PACER FDS TR INDUSTRIAL RELET 69374H766   1,878,902 51,071 SH   SOLE 1 0 0 51,071
PACER FDS TR PACER US SMALL 69374H857   305,755 8,505 SH   SOLE 1 0 0 8,505
PACER FDS TR US CASH COWS 100 69374H881   3,567,504 77,135 SH   SOLE 1 0 0 77,135
PEPSICO INC COM 713448108   540,765 2,974 SH   SOLE 1 0 0 2,974
PFIZER INC COM 717081103   739,387 14,430 SH   SOLE 1 0 0 14,430
PROCTER AND GAMBLE CO COM 742718109   748,672 4,940 SH   SOLE 1 0 0 4,940
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,632,251 235,487 SH   SOLE 1 0 0 235,487
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   770,895 13,875 SH   SOLE 1 0 0 13,875
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   452,840 6,902 SH   SOLE 1 0 0 6,902
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   295,399 7,292 SH   SOLE 1 0 0 7,292
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   3,171,595 109,102 SH   SOLE 1 0 0 109,102
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   464,176 6,145 SH   SOLE 1 0 0 6,145
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   733,969 22,787 SH   SOLE 1 0 0 22,787
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   347,472 2,558 SH   SOLE 1 0 0 2,558
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   1,130,686 30,617 SH   SOLE 1 0 0 30,617
SMILE DIRECT CLUB INC COM 83192H106   4,226 12,000 SH   SOLE 1 0 0 12,000
SPDR GOLD TR GOLD SHS 78463V107   1,056,009 6,225 SH   SOLE 1 0 0 6,225
SPDR S&P 500 ETF TR TR UNIT 78462F103   955,487 2,487 SH   SOLE 1 0 0 2,487
SPDR SER TR PRTFLO S&P500 HI 78468R788   292,829 7,398 SH   SOLE 1 0 0 7,398
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   4,164,072 101,811 SH   SOLE 1 0 0 101,811
TESLA INC COM 88160R101   228,745 1,857 SH   SOLE 1 0 0 1,857
THERMO FISHER SCIENTIFIC INC COM 883556102   580,753 1,054 SH   SOLE 1 0 0 1,054
UNITEDHEALTH GROUP INC COM 91324P102   592,741 1,118 SH   SOLE 1 0 0 1,118
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   1,160,856 7,097 SH   SOLE 1 0 0 7,097
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,976,803 14,617 SH   SOLE 1 0 0 14,617
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   321,231 1,787 SH   SOLE 1 0 0 1,787
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,839,660 115,312 SH   SOLE 1 0 0 115,312
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   326,578 3,018 SH   SOLE 1 0 0 3,018
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   386,609 6,490 SH   SOLE 1 0 0 6,490
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   441,524 6,341 SH   SOLE 1 0 0 6,341
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   229,971 1,050 SH   SOLE 1 0 0 1,050
VANGUARD WORLD FDS INF TECH ETF 92204A702   667,619 2,090 SH   SOLE 1 0 0 2,090
VISA INC COM CL A 92826C839   750,750 3,614 SH   SOLE 1 0 0 3,614
WALMART INC COM 931142103   495,032 3,478 SH   SOLE 1 0 0 3,478
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   12,710,586 252,846 SH   SOLE 1 0 0 252,846