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
Expires: July 31, 2015
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 594,240 3,139 SH SOLE 880 0 2,259
AMAZON COM INC COM 023135106 1,913,592 153,805 SH SOLE 147,148 0 6,657
APPLE INC COM 037833100 2,870,774 98,740 SH SOLE 90,205 0 8,535
AUTOMATIC DATA PROCESSING IN COM 053015103 705,479 2,410 SH SOLE 2,410 0 0
BANK AMERICA CORP COM 060505104 737,268 107,659 SH SOLE 97,501 0 10,158
BRIXMOR PPTY GROUP INC COM 11120U105 244,296 8,775 SH SOLE 2,594 0 6,181
BROADCOM INC COM 11135F101 285,163 1,230 SH SOLE 378 0 852
CONSTELLATION BRANDS INC CL A 21036P108 423,215 1,915 SH SOLE 432 0 1,483
COSTCO WHSL CORP NEW COM 22160K105 411,405 449 SH SOLE 148 0 301
DISNEY WALT CO COM 254687106 287,172 2,579 SH SOLE 2,579 0 0
GILEAD SCIENCES INC COM 375558103 516,434 5,591 SH SOLE 1,384 0 4,207
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 635,891 6,364 SH SOLE 141 0 6,223
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479 263,479 5,846 SH SOLE 0 0 5,846
GOLDMAN SACHS GROUP INC COM 38141G104 1,356,714 2,369 SH SOLE 445 0 1,924
HOME DEPOT INC COM 437076102 782,406 2,011 SH SOLE 789 0 1,222
INTUITIVE SURGICAL INC COM NEW 46120E602 481,247 922 SH SOLE 277 0 645
INVESCO QQQ TR UNIT SER 1 46090E103 1,077,796 2,108 SH SOLE 621 0 1,487
ISHARES TR 0-5YR HI YL CP 46434V407 339,104 7,958 SH SOLE 335 0 7,623
ISHARES TR 0-5YR INVT GR CP 46434V100 7,088,781 142,517 SH SOLE 18,768 0 123,749
ISHARES TR CORE S&P500 ETF 464287200 27,188,847 46,186 SH SOLE 7,574 0 38,612
ISHARES TR IBOXX HI YD ETF 464288513 291,555 3,707 SH SOLE 0 0 3,707
ISHARES TR IBOXX INV CP ETF 464287242 283,874 2,657 SH SOLE 0 0 2,657
ISHARES TR ISHS 1-5YR INVS 464288646 754,486 14,594 SH SOLE 191 0 14,403
ISHARES TR MSCI USA QLT FCT 46432F339 1,167,671 6,557 SH SOLE 0 0 6,557
ISHARES TR RUS 1000 GRW ETF 464287614 35,540,568 88,502 SH SOLE 11,831 0 76,671
ISHARES TR RUS MD CP GR ETF 464287481 4,381,827 34,571 SH SOLE 621 0 33,950
ISHARES TR RUSSELL 2000 ETF 464287655 374,969 1,697 SH SOLE 76 0 1,621
ISHARES TR S&P 500 GRWT ETF 464287309 26,266,697 258,709 SH SOLE 19,493 0 239,216
ISHARES TR S&P 500 VAL ETF 464287408 17,331,904 90,800 SH SOLE 15,844 0 74,956
ISHARES TR USD INV GRDE ETF 464288620 13,230,285 263,132 SH SOLE 31,162 0 231,970
J P MORGAN EXCHANGE TRADED F JPMORGAM LTD DUR 46654Q773 1,365,538 26,505 SH SOLE 0 0 26,505
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 12,757,244 253,271 SH SOLE 31,498 0 221,773
MASTERCARD INCORPORATED CL A 57636Q104 497,200 944 SH SOLE 364 0 580
MERCK & CO INC COM 58933Y105 341,935 3,437 SH SOLE 1,180 0 2,257
META PLATFORMS INC CL A 30303M102 502,368 858 SH SOLE 214 0 644
MICROSOFT CORP COM 594918104 1,796,396 4,262 SH SOLE 1,176 0 3,086
NVIDIA CORPORATION COM 67066G104 1,705,355 12,699 SH SOLE 3,104 0 9,595
SALESFORCE INC COM 79466L302 691,491 2,068 SH SOLE 534 0 1,534
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,020,392 7,417 SH SOLE 1,325 0 6,092
SPDR S&P 500 ETF TR TR UNIT 78462F103 20,276,370 34,597 SH SOLE 1,783 0 32,814
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 12,934,749 141,472 SH SOLE 18,267 0 123,205
SPDR SER TR PORTFOLIO SHORT 78464A474 7,351,592 246,202 SH SOLE 34,340 0 211,862
TESLA INC COM 88160R101 266,534 660 SH SOLE 200 0 460
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 280,413 3,629 SH SOLE 0 0 3,629
VANGUARD INDEX FDS GROWTH ETF 922908736 1,634,853 3,983 SH SOLE 135 0 3,848
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,637,600 12,319 SH SOLE 82 0 12,237
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 589,840 3,012 SH SOLE 53 0 2,959
VERISK ANALYTICS INC COM 92345Y106 786,527 2,856 SH SOLE 797 0 2,059
VISA INC COM CL A 92826C839 1,037,878 3,284 SH SOLE 973 0 2,311