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   697,079 3,828 SH   SOLE   0 0 3,828
ADOBE INC COM 00724F101   330,008 654 SH   SOLE   0 0 654
ALBEMARLE CORP COM 012653101   208,676 1,584 SH   SOLE   0 0 1,584
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   305,504 4,222 SH   SOLE   0 0 4,222
ALPHABET INC CAP STK CL A 02079K305   573,685 3,801 SH   SOLE   0 0 3,801
ALTRIA GROUP INC COM 02209S103   435,415 9,982 SH   SOLE   0 0 9,982
AMAZON COM INC COM 023135106   745,150 4,131 SH   SOLE   0 0 4,131
AMGEN INC COM 031162100   306,497 1,078 SH   SOLE   0 0 1,078
APPLE INC COM 037833100   2,379,801 13,878 SH   SOLE   0 0 13,878
ASML HOLDING N V N Y REGISTRY SHS N07059210   545,404 562 SH   SOLE   0 0 562
AT&T INC COM 00206R102   330,546 18,781 SH   SOLE   0 0 18,781
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   2,409,055 54,258 SH   SOLE   0 0 54,258
BLACKROCK ETF TRUST II FLEXIBLE INCOME 902528603   1,092,794 20,831 SH   SOLE   0 0 20,831
BLACKSTONE INC COM 09260D107   465,050 3,540 SH   SOLE   0 0 3,540
BOEING CO COM 097023105   843,366 4,370 SH   SOLE   0 0 4,370
BRISTOL-MYERS SQUIBB CO COM 110122108   336,606 6,207 SH   SOLE   0 0 6,207
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   433,222 14,204 SH   SOLE   0 0 14,204
CHENIERE ENERGY INC COM NEW 16411R208   284,175 1,762 SH   SOLE   0 0 1,762
CHEVRON CORP NEW COM 166764100   649,100 4,115 SH   SOLE   0 0 4,115
CITIGROUP INC COM NEW 172967424   947,272 14,979 SH   SOLE   0 0 14,979
COSTCO WHSL CORP NEW COM 22160K105   215,393 294 SH   SOLE   0 0 294
CROWN CASTLE INC COM 22822V101   288,493 2,726 SH   SOLE   0 0 2,726
ELEVANCE HEALTH INC COM 036752103   389,424 751 SH   SOLE   0 0 751
ELI LILLY & CO COM 532457108   788,851 1,014 SH   SOLE   0 0 1,014
EXXON MOBIL CORP COM 30231G102   783,806 6,743 SH   SOLE   0 0 6,743
FREEPORT-MCMORAN INC CL B 35671D857   250,523 5,328 SH   SOLE   0 0 5,328
GILEAD SCIENCES INC COM 375558103   284,796 3,888 SH   SOLE   0 0 3,888
INTERNATIONAL BUSINESS MACHS COM 459200101   348,120 1,823 SH   SOLE   0 0 1,823
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   204,452 11,277 SH   SOLE   0 0 11,277
ISHARES GOLD TR ISHARES NEW 464285204   1,299,453 30,932 SH   SOLE   0 0 30,932
ISHARES INC CORE MSCI EMKT 46434G103   1,652,180 32,019 SH   SOLE   0 0 32,019
ISHARES INC MSCI EMRG CHN 46434G764   935,570 16,251 SH   SOLE   0 0 16,251
ISHARES TR TIPS BD ETF 464287176   606,759 5,649 SH   SOLE   0 0 5,649
ISHARES TR CORE S&P500 ETF 464287200   11,839,431 22,520 SH   SOLE   0 0 22,520
ISHARES TR IBOXX INV CP ETF 464287242   354,535 3,255 SH   SOLE   0 0 3,255
ISHARES TR S&P 500 GRWT ETF 464287309   3,151,470 37,322 SH   SOLE   0 0 37,322
ISHARES TR GLOBAL ENERG ETF 464287341   404,074 9,408 SH   SOLE   0 0 9,408
ISHARES TR S&P 500 VAL ETF 464287408   2,650,087 14,186 SH   SOLE   0 0 14,186
ISHARES TR 20 YR TR BD ETF 464287432   664,422 7,022 SH   SOLE   0 0 7,022
ISHARES TR COHEN STEER REIT 464287564   1,265,396 21,931 SH   SOLE   0 0 21,931
ISHARES TR RUS 1000 GRW ETF 464287614   426,705 1,266 SH   SOLE   0 0 1,266
ISHARES TR U.S. TECH ETF 464287721   1,902,346 14,085 SH   SOLE   0 0 14,085
ISHARES TR CORE S&P SCP ETF 464287804   510,998 4,624 SH   SOLE   0 0 4,624
ISHARES TR JPMORGAN USD EMG 464288281   261,210 2,913 SH   SOLE   0 0 2,913
ISHARES TR MBS ETF 464288588   2,443,043 26,434 SH   SOLE   0 0 26,434
ISHARES TR 10-20 YR TRS ETF 464288653   414,185 3,943 SH   SOLE   0 0 3,943
ISHARES TR EAFE VALUE ETF 464288877   3,229,347 59,363 SH   SOLE   0 0 59,363
ISHARES TR EAFE GRWTH ETF 464288885   3,095,537 29,825 SH   SOLE   0 0 29,825
ISHARES TR US TREAS BD ETF 46429B267   575,626 25,280 SH   SOLE   0 0 25,280
ISHARES TR MSCI USA MIN VOL 46429B697   887,312 10,616 SH   SOLE   0 0 10,616
ISHARES TR MSCI USA QLT FCT 46432F339   2,602,318 15,834 SH   SOLE   0 0 15,834
ISHARES TR MSCI USA MMENTM 46432F396   708,776 3,783 SH   SOLE   0 0 3,783
ISHARES TR CORE TOTAL USD 46434V613   7,590,390 166,492 SH   SOLE   0 0 166,492
ISHARES TR HDG MSCI EAFE 46434V803   659,162 18,898 SH   SOLE   0 0 18,898
ISHARES TR CONV BD ETF 46435G102   361,550 4,529 SH   SOLE   0 0 4,529
ISHARES TR US INFRASTRUC 46435U713   375,885 8,669 SH   SOLE   0 0 8,669
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   682,452 11,795 SH   SOLE   0 0 11,795
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   4,184,137 82,936 SH   SOLE   0 0 82,936
JPMORGAN CHASE & CO COM 46625H100   815,822 4,073 SH   SOLE   0 0 4,073
MARSH & MCLENNAN COS INC COM 571748102   419,169 2,035 SH   SOLE   0 0 2,035
MASTERCARD INCORPORATED CL A 57636Q104   296,647 616 SH   SOLE   0 0 616
MCKESSON CORP COM 58155Q103   310,836 579 SH   SOLE   0 0 579
MERCK & CO INC COM 58933Y105   384,370 2,913 SH   SOLE   0 0 2,913
META PLATFORMS INC CL A 30303M102   446,734 920 SH   SOLE   0 0 920
MICROSOFT CORP COM 594918104   1,427,087 3,392 SH   SOLE   0 0 3,392
MORGAN STANLEY COM NEW 617446448   455,734 4,840 SH   SOLE   0 0 4,840
NOVARTIS AG SPONSORED ADR 66987V109   206,325 2,133 SH   SOLE   0 0 2,133
NOVO-NORDISK A S ADR 670100205   526,440 4,100 SH   SOLE   0 0 4,100
NVIDIA CORPORATION COM 67066G104   1,293,898 1,432 SH   SOLE   0 0 1,432
ORACLE CORP COM 68389X105   575,671 4,583 SH   SOLE   0 0 4,583
PALO ALTO NETWORKS INC COM 697435105   217,928 767 SH   SOLE   0 0 767
PARKER-HANNIFIN CORP COM 701094104   638,047 1,148 SH   SOLE   0 0 1,148
PEPSICO INC COM 713448108   407,948 2,331 SH   SOLE   0 0 2,331
PLUG POWER INC COM NEW 72919P202   34,610 10,061 SH   SOLE   0 0 10,061
PROCTER AND GAMBLE CO COM 742718109   584,262 3,601 SH   SOLE   0 0 3,601
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   443,820 6,646 SH   SOLE   0 0 6,646
SALESFORCE INC COM 79466L302   238,535 792 SH   SOLE   0 0 792
SEMPRA COM 816851109   403,828 5,622 SH   SOLE   0 0 5,622
SOUTHERN CO COM 842587107   435,534 6,071 SH   SOLE   0 0 6,071
SPDR S&P 500 ETF TR TR UNIT 78462F103   860,977 1,646 SH   SOLE   0 0 1,646
SPDR SER TR PORTFLI TIPS ETF 78464A656   8,129,457 317,309 SH   SOLE   0 0 317,309
SPDR SER TR PORTFOLI S&P1500 78464A805   256,215 3,994 SH   SOLE   0 0 3,994
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   680,605 7,414 SH   SOLE   0 0 7,414
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408   5,231,031 104,923 SH   SOLE   0 0 104,923
TWO RDS SHARED TR ANFIELD DIVERSIF 90213U115   765,753 84,832 SH   SOLE   0 0 84,832
TWO RDS SHARED TR REGENTS PK HDGD 90214Q642   104,908 10,793 SH   SOLE   0 0 10,793
TWO RDS SHARED TR ANFIELD DYNAMIC 90214Q725   429,699 50,375 SH   SOLE   0 0 50,375
TWO RDS SHARED TR ANFIELD US EQU 90214Q733   713,885 45,850 SH   SOLE   0 0 45,850
UNITEDHEALTH GROUP INC COM 91324P102   444,241 898 SH   SOLE   0 0 898
VALERO ENERGY CORP COM 91913Y100   277,201 1,624 SH   SOLE   0 0 1,624
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,832,086 10,897 SH   SOLE   0 0 10,897
VERIZON COMMUNICATIONS INC COM 92343V104   467,812 11,149 SH   SOLE   0 0 11,149
VISA INC COM CL A 92826C839   317,872 1,139 SH   SOLE   0 0 1,139
WILLIAMS COS INC COM 969457100   465,925 11,956 SH   SOLE   0 0 11,956
XYLEM INC COM 98419M100   404,133 3,127 SH   SOLE   0 0 3,127