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   266,990 2,449 SH   SOLE   0 0 2,449
ABBVIE INC COM 00287Y109   1,514,107 11,238 SH   SOLE   0 0 11,238
AIR PRODS & CHEMS INC COM 009158106   895,595 2,990 SH   SOLE   0 0 2,990
ALPHABET INC CAP STK CL A 02079K305   1,763,301 14,731 SH   SOLE   0 0 14,731
ALPHABET INC CAP STK CL C 02079K107   254,037 2,100 SH   SOLE   0 0 2,100
AMAZON COM INC COM 023135106   1,181,844 9,066 SH   SOLE   0 0 9,066
APPLE INC COM 037833100   3,329,675 17,166 SH   SOLE   0 0 17,166
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   432,388 1,268 SH   SOLE   0 0 1,268
BROADCOM INC COM 11135F101   914,271 1,054 SH   SOLE   0 0 1,054
CAPITAL ONE FINL CORP COM 14040H105   366,936 3,355 SH   SOLE   0 0 3,355
CGI INC CL A SUB VTG 12532H104   220,560 2,092 SH   SOLE   0 0 2,092
CHEVRON CORP NEW COM 166764100   964,602 6,130 SH   SOLE   0 0 6,130
CISCO SYS INC COM 17275R102   695,431 13,441 SH   SOLE   0 0 13,441
CITIGROUP INC COM NEW 172967424   830,562 18,040 SH   SOLE   0 0 18,040
COCA COLA CO COM 191216100   225,584 3,746 SH   SOLE   0 0 3,746
CONOCOPHILLIPS COM 20825C104   1,135,566 10,960 SH   SOLE   0 0 10,960
CVS HEALTH CORP COM 126650100   941,965 13,626 SH   SOLE   0 0 13,626
DEERE & CO COM 244199105   941,256 2,323 SH   SOLE   0 0 2,323
DISNEY WALT CO COM 254687106   647,816 7,256 SH   SOLE   0 0 7,256
EOG RES INC COM 26875P101   458,332 4,005 SH   SOLE   0 0 4,005
ETF SER SOLUTIONS US GLB JETS 26922A842   693,730 32,387 SH   SOLE   0 0 32,387
EXCHANGE TRADED CONCEPTS TR ETC 6 HEDGED EQU 301505665   298,623 9,530 SH   SOLE   0 0 9,530
EXXON MOBIL CORP COM 30231G102   347,597 3,241 SH   SOLE   0 0 3,241
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   752,878 47,143 SH   SOLE   0 0 47,143
FLEXSHARES TR MORNSTAR UPSTR 33939L407   337,061 8,412 SH   SOLE   0 0 8,412
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   75,340 15,861 SH   SOLE   0 0 15,861
HOME DEPOT INC COM 437076102   844,320 2,718 SH   SOLE   0 0 2,718
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   212,108 7,989 SH   SOLE   0 0 7,989
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548   273,620 15,159 SH   SOLE   0 0 15,159
INVESCO QQQ TR UNIT SER 1 46090E103   271,567 735 SH   SOLE   0 0 735
ISHARES TR NATIONAL MUN ETF 464288414   6,703,707 62,810 SH   SOLE   0 0 62,810
ISHARES TR SHRT NAT MUN ETF 464288158   469,865 4,516 SH   SOLE   0 0 4,516
ISHARES TR BLACKROCK ULTRA 46434V878   373,059 7,417 SH   SOLE   0 0 7,417
ISHARES TR INTL SEL DIV ETF 464288448   367,251 13,948 SH   SOLE   0 0 13,948
ISHARES TR ISHARES BIOTECH 464287556   264,594 2,084 SH   SOLE   0 0 2,084
ISHARES TR RUS 1000 GRW ETF 464287614   319,759 1,162 SH   SOLE   0 0 1,162
ISHARES TR CORE DIV GRWTH 46434V621   10,181,405 197,582 SH   SOLE   0 0 197,582
ISHARES TR U.S. BAS MTL ETF 464287838   279,139 2,098 SH   SOLE   0 0 2,098
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,371,481 27,353 SH   SOLE   0 0 27,353
JOHNSON & JOHNSON COM 478160104   272,942 1,649 SH   SOLE   0 0 1,649
JPMORGAN CHASE & CO COM 46625H100   1,403,517 9,650 SH   SOLE   0 0 9,650
KRAFT HEINZ CO COM 500754106   882,885 24,870 SH   SOLE   0 0 24,870
LOWES COS INC COM 548661107   248,044 1,099 SH   SOLE   0 0 1,099
MERCK & CO INC COM 58933Y105   298,514 2,587 SH   SOLE   0 0 2,587
META PLATFORMS INC CL A 30303M102   390,006 1,359 SH   SOLE   0 0 1,359
MICROSOFT CORP COM 594918104   2,707,353 7,950 SH   SOLE   0 0 7,950
OWL ROCK CAPITAL CORPORATION COM 69121K104   136,777 10,192 SH   SOLE   0 0 10,192
PFIZER INC COM 717081103   285,608 7,786 SH   SOLE   0 0 7,786
PNC FINL SVCS GROUP INC COM 693475105   739,956 5,875 SH   SOLE   0 0 5,875
PTC INC COM 69370C100   309,929 2,178 SH   SOLE   0 0 2,178
QUALCOMM INC COM 747525103   281,530 2,365 SH   SOLE   0 0 2,365
RIO TINTO PLC SPONSORED ADR 767204100   204,160 3,198 SH   SOLE   0 0 3,198
SCHLUMBERGER LTD COM STK 806857108   664,839 13,535 SH   SOLE   0 0 13,535
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,980,435 62,015 SH   SOLE   0 0 62,015
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   8,395,192 115,604 SH   SOLE   0 0 115,604
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   20,815,761 277,729 SH   SOLE   0 0 277,729
STARBUCKS CORP COM 855244109   523,039 5,280 SH   SOLE   0 0 5,280
TARGET CORP COM 87612E106   258,260 1,958 SH   SOLE   0 0 1,958
UNITEDHEALTH GROUP INC COM 91324P102   879,422 1,830 SH   SOLE   0 0 1,830
US BANCORP DEL COM NEW 902973304   622,966 18,855 SH   SOLE   0 0 18,855
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   768,456 9,631 SH   SOLE   0 0 9,631
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   322,493 1,317 SH   SOLE   0 0 1,317
VANGUARD INDEX FDS GROWTH ETF 922908736   229,207 810 SH   SOLE   0 0 810
VANGUARD INDEX FDS VALUE ETF 922908744   9,432,677 66,381 SH   SOLE   0 0 66,381
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   616,196 12,270 SH   SOLE   0 0 12,270
VANGUARD INDEX FDS SM CP VAL ETF 922908611   357,502 2,161 SH   SOLE   0 0 2,161
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   9,811,992 60,408 SH   SOLE   0 0 60,408
VANGUARD WORLD FDS UTILITIES ETF 92204A876   279,506 1,966 SH   SOLE   0 0 1,966
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   302,300 2,850 SH   SOLE   0 0 2,850
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   11,107,112 147,917 SH   SOLE   0 0 147,917
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   9,960,121 157,597 SH   SOLE   0 0 157,597
VERIZON COMMUNICATIONS INC COM 92343V104   298,338 8,022 SH   SOLE   0 0 8,022
VISA INC COM CL A 92826C839   821,681 3,460 SH   SOLE   0 0 3,460
WALMART INC COM 931142103   1,188,719 7,563 SH   SOLE   0 0 7,563
XCEL ENERGY INC COM 98389B100   454,152 7,305 SH   SOLE   0 0 7,305