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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 294,368 1,975 SH   SOLE   1,975 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 351,027 1,143 SH   SOLE   1,143 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 BBG001SCTQY4 501,177 4,482 SH   SOLE   4,482 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 229,659 1,755 SH   SOLE   1,755 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 268,051 2,033 SH   SOLE   2,033 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 577,760 4,545 SH   SOLE   4,545 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 394,186 1,467 SH   SOLE   1,467 0 0
APPLE INC COM 037833100 BBG001S5N8V8 4,986,962 29,128 SH   SOLE   29,128 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 442,381 29,453 SH   SOLE   29,453 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 616,528 1,760 SH   SOLE   1,760 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 228,211 353 SH   SOLE   353 0 0
BLUE OWL CAPITAL CORPORATION COM 69121K104 BBG00DB0XYD3 180,147 13,007 SH   SOLE   13,007 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 490,766 8,456 SH   SOLE   8,456 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 626,634 3,716 SH   SOLE   3,716 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 680,336 12,655 SH   SOLE   12,655 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 334,257 5,971 SH   SOLE   5,971 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 458,297 811 SH   SOLE   811 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,826,887 15,537 SH   SOLE   15,537 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 285,732 946 SH   SOLE   946 0 0
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 295,182 1,598 SH   SOLE   1,598 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 280,516 1,999 SH   SOLE   1,999 0 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 BBG00P4Y2TZ1 10,800,543 296,555 SH   SOLE   296,555 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 6,255,128 106,398 SH   SOLE   106,398 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 9,637,475 26,900 SH   SOLE   26,900 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 295,416 7,200 SH   SOLE   7,200 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 732,601 1,706 SH   SOLE   1,706 0 0
ISHARES TR IBONDS 24 TRM HG 46435U184 BBG00P3CTJ01 301,600 13,000 SH   SOLE   13,000 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,334,542 5,017 SH   SOLE   5,017 0 0
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 515,474 7,136 SH   SOLE   7,136 0 0
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852 BBG00GD9GQY8 6,520,059 143,329 SH   SOLE   143,329 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 4,297,172 27,590 SH   SOLE   27,590 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,147,996 7,916 SH   SOLE   7,916 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 203,683 980 SH   SOLE   980 0 0
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 380,865 962 SH   SOLE   962 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 391,098 1,485 SH   SOLE   1,485 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,031,825 3,268 SH   SOLE   3,268 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 293,171 3,066 SH   SOLE   3,066 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 496,327 1,141 SH   SOLE   1,141 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 243,324 2,297 SH   SOLE   2,297 0 0
PAYCHEX INC COM 704326107 BBG001S5V135 393,737 3,414 SH   SOLE   3,414 0 0
PEPSICO INC COM 713448108 BBG001S695T1 480,549 2,836 SH   SOLE   2,836 0 0
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 622,750 5,073 SH   SOLE   5,073 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 265,611 1,821 SH   SOLE   1,821 0 0
PROSHARES TR INVT INT RT HG 74347B607 BBG005JYLX52 218,304 2,948 SH   SOLE   2,948 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 336,818 1,661 SH   SOLE   1,661 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 3,023,017 7,072 SH   SOLE   7,072 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 581,783 1,274 SH   SOLE   1,274 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 304,978 4,162 SH   SOLE   4,162 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 18,603,876 161,759 SH   SOLE   161,759 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 548,232 2,191 SH   SOLE   2,191 0 0
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 218,003 1,371 SH   SOLE   1,371 0 0
TJX COS INC NEW COM 872540109 BBG001S5WQ93 224,511 2,526 SH   SOLE   2,526 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 573,264 1,137 SH   SOLE   1,137 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 6,303,588 87,175 SH   SOLE   87,175 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 245,761 5,138 SH   SOLE   5,138 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 6,806,969 34,949 SH   SOLE   34,949 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 332,491 847 SH   SOLE   847 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 4,335,806 27,185 SH   SOLE   27,185 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 712,712 3,355 SH   SOLE   3,355 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 BBG001TCH7Y8 229,630 1,408 SH   SOLE   1,408 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 7,568,620 141,417 SH   SOLE   141,417 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 3,157,969 7,611 SH   SOLE   7,611 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 483,213 14,909 SH   SOLE   14,909 0 0
WESTERN ASSET HIGH INCOME OP COM 95766K109 BBG001S7HQ69 36,617 10,060 SH   SOLE   10,060 0 0