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
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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 COM 002824100   512,806 5,064 SH   SOLE   5,064 0 0
ABBVIE INC COM COM 00287Y109   490,641 3,079 SH   SOLE   3,079 0 0
ACCENTURE PLC IRELAND SHS CLASS A CL A G1151C101   252,370 883 SH   SOLE   883 0 0
AMAZON COM INC COM COM 023135106   359,036 3,476 SH   SOLE   3,476 0 0
AMERIPRISE FINL INC COM COM 03076C106   361,057 1,178 SH   SOLE   1,178 0 0
APPLE INC COM COM 037833100   3,433,244 20,820 SH   SOLE   20,820 0 0
CREDIT SUISSE GROUP SPONSORED ADR SPONSORED ADR 225401108   70,100 78,782 SH   SOLE   78,782 0 0
EATON CORP PLC SHS SHS G29183103   219,315 1,280 SH   SOLE   1,280 0 0
EDISON INTL COM COM 281020107   267,607 3,791 SH   SOLE   3,791 0 0
ELEVANCE HEALTH INC COM COM 036752103   406,472 884 SH   SOLE   884 0 0
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506   10,012,589 120,881 SH   SOLE   120,881 0 0
EXXON MOBIL CORP COM COM 30231G102   272,314 2,483 SH   SOLE   2,483 0 0
FINANCIAL SELECT SECTOR SPDR FUND FINANCIAL 81369Y605   8,953,704 278,498 SH   SOLE   278,498 0 0
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF TCW OPPORTUNIS 33740F805   1,817,291 40,330 SH   SOLE   40,330 0 0
FORD MTR CO DEL COM COM 345370860   171,888 13,642 SH   SOLE   13,642 0 0
INVESCO PREFERRED ETF PFD ETF 46138E511   428,623 37,337 SH   SOLE   37,337 0 0
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF S&P500 EQL TEC 46137V282   681,612 2,470 SH   SOLE   2,470 0 0
INVESCO S&P 500 REVENUE ETF S&P 500 REVENUE 46138G698   211,916 2,785 SH   SOLE   2,785 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 5-10YR INVT 464288638   2,408,468 46,967 SH   SOLE   46,967 0 0
ISHARES BIOTECHNOLOGY ETF ISHARES BIOTECH 464287556   238,637 1,848 SH   SOLE   1,848 0 0
ISHARES CONVERTIBLE BOND ETF CONV BD ETF 46435G102   4,945,277 68,098 SH   SOLE   68,098 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834   12,352,309 199,392 SH   SOLE   199,392 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507   7,409,549 29,619 SH   SOLE   29,619 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150   434,543 4,799 SH   SOLE   4,799 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226   22,880,729 229,634 SH   SOLE   229,634 0 0
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ESG AWRE 1 5 YR 46435G243   224,696 9,339 SH   SOLE   9,339 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF MSCI EAFE MIN VL 46429B689   892,260 13,189 SH   SOLE   13,189 0 0
ISHARES MSCI FRANCE ETF MSCI FRANCE ETF 464286707   415,634 10,996 SH   SOLE   10,996 0 0
ISHARES MSCI GERMANY ETF MSCI GERMANY ETF 464286806   10,189,904 358,043 SH   SOLE   358,043 0 0
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF MSCI GBL MIN VOL 464286525   560,376 5,792 SH   SOLE   5,792 0 0
ISHARES MSCI ITALY ETF MSCI ITALY ETF 46434G830   8,657,974 284,521 SH   SOLE   284,521 0 0
ISHARES MSCI JAPAN ETF MSCI JPN ETF NEW 46434G822   501,312 8,542 SH   SOLE   8,542 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697   2,236,344 30,744 SH   SOLE   30,744 0 0
ISHARES RUSSELL MIDCAP ETF RUS MID CAP ETF 464287499   221,207 3,164 SH   SOLE   3,164 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158   2,181,322 20,838 SH   SOLE   20,838 0 0
ISHARES U.S. TECHNOLOGY ETF U.S. TECH ETF 464287721   403,295 4,345 SH   SOLE   4,345 0 0
ISHARES US & INTL HIGH YIELD CORP BOND ETF US INTL HGH YLD 464286178   5,178,104 120,927 SH   SOLE   120,927 0 0
JABIL INC COM COM 466313103   303,551 3,443 SH   SOLE   3,443 0 0
JPMORGAN CHASE & CO COM COM 46625H100   351,816 2,700 SH   SOLE   2,700 0 0
LOWES COS INC COM COM 548661107   252,362 1,262 SH   SOLE   1,262 0 0
MCDONALDS CORP COM COM 580135101   509,706 1,823 SH   SOLE   1,823 0 0
MICROSOFT CORP COM COM 594918104   834,714 2,895 SH   SOLE   2,895 0 0
PROCTER AND GAMBLE CO COM COM 742718109   735,013 4,943 SH   SOLE   4,943 0 0
ROCKWELL AUTOMATION INC COM COM 773903109   208,508 711 SH   SOLE   711 0 0
SCHWAB INTERMEDIATE-TERM US TREASURY ETF INT-TRM U.S TRES 808524854   3,262,718 64,698 SH   SOLE   64,698 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508   1,287,725 18,979 SH   SOLE   18,979 0 0
SCHWAB U.S. SMALL-CAP ETF US SML CAP ETF 808524607   11,685,825 278,698 SH   SOLE   278,698 0 0
SEMPRA COM COM 816851109   228,856 1,514 SH   SOLE   1,514 0 0
SPDR BLACKSTONE SENIOR LOAN ETF BLACKSTONE SENR 78467V608   5,304,400 127,940 SH   SOLE   127,940 0 0
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF NUVEEN BLOOMBERG 78464A284   315,229 12,589 SH   SOLE   12,589 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF PORTFOLIO EMG MK 78463X509   6,540,724 191,641 SH   SOLE   191,641 0 0
SPDR PORTFOLIO HIGH YIELD BOND ETF PORTFLI HIGH YLD 78468R606   11,960,424 520,471 SH   SOLE   520,471 0 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF PORTFOLIO INTRMD 78464A375   518,573 15,961 SH   SOLE   15,961 0 0
SPDR PORTFOLIO INTERMEDIATE TERM TREASURY ETF PORTFLI INTRMDIT 78464A672   1,504,584 51,990 SH   SOLE   51,990 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF PRTFLO S&P500 GW 78464A409   3,234,523 58,427 SH   SOLE   58,427 0 0
SPDR S&P 500 ETF TRUST TR UNIT 78462F103   439,963 1,075 SH   SOLE   1,075 0 0
TESLA INC COM COM 88160R101   764,283 3,684 SH   SOLE   3,684 0 0
UTILITIES SELECT SECTOR SPDR FUND SBI INT-UTILS 81369Y886   439,274 6,489 SH   SOLE   6,489 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF EM MK GOV BD ETF 921946885   5,145,916 82,586 SH   SOLE   82,586 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF MTG-BKD SECS ETF 92206C771   1,959,196 42,088 SH   SOLE   42,088 0 0
VANGUARD RUSSELL 1000 ETF VNG RUS1000IDX 92206C730   22,836,965 122,562 SH   SOLE   122,562 0 0
VANGUARD SHORT-TERM BOND ETF SHORT TRM BOND 921937827   877,125 11,467 SH   SOLE   11,467 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF SHRT TRM CORP BD 92206C409   5,500,454 72,156 SH   SOLE   72,156 0 0
VANGUARD TAX-EXEMPT BOND ETF TAX EXEMPT BD 922907746   715,421 14,122 SH   SOLE   14,122 0 0
VANGUARD VALUE ETF VALUE ETF 922908744   19,686,599 142,543 SH   SOLE   142,543 0 0
WEC ENERGY GROUP INC COM COM 92939U106   225,316 2,377 SH   SOLE   2,377 0 0
WP CAREY INC COM COM 92936U109   2,818,445 36,391 SH   SOLE   36,391 0 0