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   278,353 2,449 SH   SOLE   0 0 2,449
AIR PRODS & CHEMS INC COM 009158106   926,925 3,826 SH   SOLE   0 0 3,826
AMAZON COM INC COM 023135106   1,350,144 7,485 SH   SOLE   0 0 7,485
APPLE INC COM 037833100   2,844,922 16,590 SH   SOLE   0 0 16,590
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   530,696 1,262 SH   SOLE   0 0 1,262
BHP GROUP LTD SPONSORED ADS 088606108   294,681 5,108 SH   SOLE   0 0 5,108
CVS HEALTH CORP COM 126650100   1,124,776 14,102 SH   SOLE   0 0 14,102
CHEVRON CORP NEW COM 166764100   1,243,353 7,882 SH   SOLE   0 0 7,882
DEERE & CO COM 244199105   1,258,097 3,063 SH   SOLE   0 0 3,063
DISNEY WALT CO COM 254687106   776,374 6,345 SH   SOLE   0 0 6,345
EXCHANGE TRADED CONCEPTS TRU ETC 6 HEDGED EQU 301505665   338,696 9,530 SH   SOLE   0 0 9,530
HOME DEPOT INC COM 437076102   881,129 2,297 SH   SOLE   0 0 2,297
ISHARES TR CORE S&P500 ETF 464287200   16,140,561 30,701 SH   SOLE   0 0 30,701
ISHARES TR 20 YR TR BD ETF 464287432   606,956 6,415 SH   SOLE   0 0 6,415
ISHARES TR ISHARES BIOTECH 464287556   275,555 2,008 SH   SOLE   0 0 2,008
ISHARES TR RUS 1000 GRW ETF 464287614   234,587 696 SH   SOLE   0 0 696
ISHARES TR U.S. BAS MTL ETF 464287838   373,941 2,531 SH   SOLE   0 0 2,531
ISHARES TR SHRT NAT MUN ETF 464288158   514,335 4,911 SH   SOLE   0 0 4,911
ISHARES TR NATIONAL MUN ETF 464288414   978,225 9,091 SH   SOLE   0 0 9,091
JOHNSON & JOHNSON COM 478160104   253,262 1,601 SH   SOLE   0 0 1,601
KROGER CO COM 501044101   564,673 9,884 SH   SOLE   0 0 9,884
LOWES COS INC COM 548661107   283,005 1,111 SH   SOLE   0 0 1,111
LULULEMON ATHLETICA INC COM 550021109   425,027 1,088 SH   SOLE   0 0 1,088
MICROSOFT CORP COM 594918104   3,037,350 7,219 SH   SOLE   0 0 7,219
PFIZER INC COM 717081103   224,150 8,077 SH   SOLE   0 0 8,077
QUALCOMM INC COM 747525103   287,979 1,701 SH   SOLE   0 0 1,701
RIO TINTO PLC SPONSORED ADR 767204100   260,633 4,089 SH   SOLE   0 0 4,089
SCHLUMBERGER LTD COM STK 806857108   675,807 12,330 SH   SOLE   0 0 12,330
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   18,748,114 202,201 SH   SOLE   0 0 202,201
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,792,277 22,228 SH   SOLE   0 0 22,228
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   5,102,446 105,838 SH   SOLE   0 0 105,838
STARBUCKS CORP COM 855244109   436,514 4,776 SH   SOLE   0 0 4,776
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   238,885 1,308 SH   SOLE   0 0 1,308
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   561,255 8,158 SH   SOLE   0 0 8,158
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   282,571 3,466 SH   SOLE   0 0 3,466
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   539,180 10,656 SH   SOLE   0 0 10,656
VANGUARD INDEX FDS VALUE ETF 922908744   15,089,811 92,655 SH   SOLE   0 0 92,655
WALMART INC COM 931142103   1,343,000 22,320 SH   SOLE   0 0 22,320
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   912,005 52,656 SH   SOLE   0 0 52,656
AT&T INC COM 00206R102   222,984 12,670 SH   SOLE   0 0 12,670
ABBVIE INC COM 00287Y109   1,956,498 10,744 SH   SOLE   0 0 10,744
ALPHABET INC CAP STK CL C 02079K107   289,599 1,902 SH   SOLE   0 0 1,902
ALPHABET INC CAP STK CL A 02079K305   2,460,461 16,302 SH   SOLE   0 0 16,302
BROADCOM INC COM 11135F101   3,303,599 2,493 SH   SOLE   0 0 2,493
CGI INC CL A SUB VTG 12532H104   231,145 2,092 SH   SOLE   0 0 2,092
CAPITAL ONE FINL CORP COM 14040H105   690,552 4,638 SH   SOLE   0 0 4,638
CISCO SYS INC COM 17275R102   611,216 12,246 SH   SOLE   0 0 12,246
CONOCOPHILLIPS COM 20825C104   1,266,945 9,954 SH   SOLE   0 0 9,954
DEVON ENERGY CORP NEW COM 25179M103   227,968 4,543 SH   SOLE   0 0 4,543
EOG RES INC COM 26875P101   511,360 4,000 SH   SOLE   0 0 4,000
EXXON MOBIL CORP COM 30231G102   405,329 3,487 SH   SOLE   0 0 3,487
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   83,352 14,056 SH   SOLE   0 0 14,056
META PLATFORMS INC CL A 30303M102   604,547 1,245 SH   SOLE   0 0 1,245
HEALTHPEAK PROPERTIES INC COM 42250P103   247,406 13,195 SH   SOLE   0 0 13,195
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   7,671,815 69,712 SH   SOLE   0 0 69,712
ISHARES TR CORE MSCI EAFE 46432F842   6,365,345 85,763 SH   SOLE   0 0 85,763
ISHARES TR CORE DIV GRWTH 46434V621   323,573 5,573 SH   SOLE   0 0 5,573
ISHARES TR BLACKROCK ULTRA 46434V878   323,528 6,399 SH   SOLE   0 0 6,399
ISHARES TR ESG AWR MSCI USA 46435G425   269,811 2,347 SH   SOLE   0 0 2,347
JPMORGAN CHASE & CO COM 46625H100   1,663,531 8,305 SH   SOLE   0 0 8,305
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   407,860 7,049 SH   SOLE   0 0 7,049
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,576,411 31,247 SH   SOLE   0 0 31,247
JANUS DETROIT STR TR HENDERSON MTG 47103U852   650,207 14,417 SH   SOLE   0 0 14,417
MERCK & CO INC COM 58933Y105   337,924 2,561 SH   SOLE   0 0 2,561
PTC INC COM 69370C100   411,511 2,178 SH   SOLE   0 0 2,178
PACER FDS TR PACER US SMALL 69374H857   5,094,029 103,621 SH   SOLE   0 0 103,621
SIMPLIFY EXCHANGE TRADED FUN AGGREGATE BOND E 82889N723   606,282 28,291 SH   SOLE   0 0 28,291
SIMPLIFY EXCHANGE TRADED FUN VOLATILITY PREM 82889N863   511,273 22,563 SH   SOLE   0 0 22,563
TESLA INC COM 88160R101   537,214 3,056 SH   SOLE   0 0 3,056
UNITEDHEALTH GROUP INC COM 91324P102   963,522 1,948 SH   SOLE   0 0 1,948
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   19,126,076 212,748 SH   SOLE   0 0 212,748
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   498,894 1,844 SH   SOLE   0 0 1,844
VANGUARD WORLD FD UTILITIES ETF 92204A876   281,168 1,972 SH   SOLE   0 0 1,972
VERIZON COMMUNICATIONS INC COM 92343V104   515,772 12,292 SH   SOLE   0 0 12,292
VISA INC COM CL A 92826C839   778,354 2,789 SH   SOLE   0 0 2,789
XCEL ENERGY INC COM 98389B100   741,858 13,802 SH   SOLE   0 0 13,802