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
Estimated average burden
hours per response: 23.8
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
FORD MTR CO COM COM 345370860 123 10,329 SH SOLE 0 0 10,329
AMERICAN EXPRESS CO COM COM 025816109 201 608 SH SOLE 0 0 608
BANK NEW YORK MELLON CORP COM COM 064058100 209 1,920 SH SOLE 0 0 1,920
MEDTRONIC PLC SHS COM G5960L103 210 2,191 SH SOLE 0 0 2,191
LENNAR CORP CL A COM 526057104 212 1,682 SH SOLE 0 0 1,682
LOWES COS INC COM COM 548661107 218 871 SH SOLE 0 0 871
PULTE GROUP INC COM COM 745867101 218 1,648 SH SOLE 0 0 1,648
TRAVELERS COMPANIES INC COM COM 89417E109 219 787 SH SOLE 0 0 787
ISHARES RUSSELL 3000 ETF COM 464287689 221 584 SH SOLE 0 0 584
TE CONNECTIVITY PLC ORD SHS COM G87052109 221 1,010 SH SOLE 0 0 1,010
BROADRIDGE FINL SOLUTIONS INC COM COM 11133T103 224 937 SH SOLE 0 0 937
EOG RES INC COM COM 26875P101 225 2,011 SH SOLE 0 0 2,011
PALO ALTO NETWORKS INC COM COM 697435105 226 1,109 SH SOLE 0 0 1,109
SPDR S&P 500 ETF TRUST COM 78462F103 227 341 SH SOLE 0 0 341
CONOCOPHILLIPS COM COM 20825C104 233 2,469 SH SOLE 0 0 2,469
NOVARTIS AG SPONSORED ADR COM 66987V109 233 1,822 SH SOLE 0 0 1,822
AFLAC INC COM COM 001055102 234 2,099 SH SOLE 0 0 2,099
DEERE & CO COM COM 244199105 235 514 SH SOLE 0 0 514
HONEYWELL INTL INC COM COM 438516106 237 1,127 SH SOLE 0 0 1,127
AMERICAN ELEC PWR CO INC COM COM 025537101 239 2,131 SH SOLE 0 0 2,131
PPL CORP COM COM 69351T106 239 6,387 SH SOLE 0 0 6,387
STATE STREET SPDR ICE PREFERRED SECURITIES ETF COM 78464A292 239 7,244 SH SOLE 0 0 7,244
M & T BK CORP COM COM 55261F104 241 1,222 SH SOLE 0 0 1,222
NUCOR CORP COM COM 670346105 241 1,777 SH SOLE 0 0 1,777
US BANCORP DEL COM NEW COM 902973304 241 4,953 SH SOLE 0 0 4,953
AT&T INC COM COM 00206R102 242 8,572 SH SOLE 0 0 8,572
PARKER-HANNIFIN CORP COM COM 701094104 243 321 SH SOLE 0 0 321
MOODYS CORP COM COM 615369105 244 512 SH SOLE 0 0 512
CHUBB LIMITED COM COM H1467J104 246 869 SH SOLE 0 0 869
AMGEN INC COM COM 031162100 248 879 SH SOLE 0 0 879
S&P GLOBAL INC COM COM 78409V104 249 512 SH SOLE 0 0 512
AMPHENOL CORP NEW CL A COM 032095101 252 2,038 SH SOLE 0 0 2,038
CELESTICA INC COM COM 15101Q207 253 1,030 SH SOLE 0 0 1,030
WASTE MGMT INC DEL COM COM 94106L109 263 1,191 SH SOLE 0 0 1,191
SCHWAB U.S. LARGE-CAP GROWTH ETF COM 808524300 268 8,408 SH SOLE 0 0 8,408
GALLAGHER ARTHUR J & CO COM COM 363576109 273 884 SH SOLE 0 0 884
LAM RESEARCH CORP COM NEW COM 512807306 276 2,060 SH SOLE 0 0 2,060
CAPITAL GROUP INTERNATIONAL EQUITY ETF COM 14021M107 277 8,230 SH SOLE 0 0 8,230
MCKESSON CORP COM COM 58155Q103 279 362 SH SOLE 0 0 362
BLACKROCK INC COM COM 09290D101 283 243 SH SOLE 0 0 243
RTX CORPORATION COM COM 75513E101 284 1,703 SH SOLE 0 0 1,703
METLIFE INC COM COM 59156R108 286 3,474 SH SOLE 0 0 3,474
PEPSICO INC COM COM 713448108 288 2,055 SH SOLE 0 0 2,055
JPMORGAN BETABUILDERS USD HIGH YIELD CORPORATE BOND ETF COM 46641Q878 293 6,253 SH SOLE 0 0 6,253
CAPITAL GROUP MUNICIPAL HIGH-INCOME ETF COM 14020Y805 295 11,691 SH SOLE 0 0 11,691
NORFOLK SOUTHN CORP COM COM 655844108 302 1,007 SH SOLE 0 0 1,007
KINDER MORGAN INC DEL COM COM 49456B101 303 10,735 SH SOLE 0 0 10,735
GILEAD SCIENCES INC COM COM 375558103 304 2,739 SH SOLE 0 0 2,739
MASTERCARD INCORPORATED CL A COM 57636Q104 306 539 SH SOLE 0 0 539
DELL TECHNOLOGIES INC CL C COM 24703L202 307 2,166 SH SOLE 0 0 2,166
INVESCO QQQ TRUST SERIES I COM 46090E103 309 515 SH SOLE 0 0 515
CARDINAL HEALTH INC COM COM 14149Y108 311 1,986 SH SOLE 0 0 1,986
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS COM 874039100 314 1,124 SH SOLE 0 0 1,124
VANGUARD DIVIDEND APPRECIATION ETF COM 921908844 317 1,465 SH SOLE 0 0 1,465
PHILIP MORRIS INTL INC COM COM 718172109 321 1,980 SH SOLE 0 0 1,980
SCHWAB CHARLES CORP COM COM 808513105 327 3,430 SH SOLE 0 0 3,430
JPMORGAN INTERNATIONAL GROWTH ETF COM 46641Q324 329 4,379 SH SOLE 0 0 4,379
SOUTHERN CO COM COM 842587107 331 3,495 SH SOLE 0 0 3,495
MARVELL TECHNOLOGY INC COM COM 573874104 350 4,164 SH SOLE 0 0 4,164
EMCOR GROUP INC COM COM 29084Q100 354 546 SH SOLE 0 0 546
VANGUARD TAX-EXEMPT BOND ETF COM 922907746 354 7,076 SH SOLE 0 0 7,076
HARTFORD INSURANCE GROUP INC COM COM 416515104 357 2,666 SH SOLE 0 0 2,666
QUALCOMM INC COM COM 747525103 361 2,173 SH SOLE 0 0 2,173
GE AEROSPACE COM NEW COM 369604301 377 1,253 SH SOLE 0 0 1,253
PNC FINL SVCS GROUP INC COM COM 693475105 378 1,882 SH SOLE 0 0 1,882
VERIZON COMMUNICATIONS INC COM COM 92343V104 397 9,040 SH SOLE 0 0 9,040
VANGUARD MID-CAP ETF COM 922908629 398 1,352 SH SOLE 0 0 1,352
ORACLE CORP COM COM 68389X105 407 1,448 SH SOLE 0 0 1,448
CITIGROUP INC COM NEW COM 172967424 411 4,052 SH SOLE 0 0 4,052
ALTRIA GROUP INC COM COM 02209S103 419 6,245 SH SOLE 0 0 6,245
SALESFORCE INC COM COM 79466L302 422 1,780 SH SOLE 0 0 1,780
ISHARES 10-20 YEAR TREASURY BOND ETF COM 464288653 441 4,287 SH SOLE 0 0 4,287
VANGUARD TOTAL BOND MARKET ETF COM 921937835 445 5,995 SH SOLE 0 0 5,995
CINTAS CORP COM COM 172908105 448 2,186 SH SOLE 0 0 2,186
LOCKHEED MARTIN CORP COM COM 539830109 454 911 SH SOLE 0 0 911
STATE STREET SPDR PORTFOLIO S&P 500 ETF COM 78464A854 507 6,477 SH SOLE 0 0 6,477
JPMORGAN ACTIVEBUILDERS EMERGING MARKETS EQUITY ETF COM 46641Q266 519 10,924 SH SOLE 0 0 10,924
WELLS FARGO CO NEW COM COM 949746101 529 6,317 SH SOLE 0 0 6,317
COCA COLA CO COM COM 191216100 540 8,090 SH SOLE 0 0 8,090
VANGUARD S&P 500 ETF COM 922908363 546 890 SH SOLE 0 0 890
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 565 1,719 SH SOLE 0 0 1,719
ADVANCED MICRO DEVICES INC COM COM 007903107 566 3,499 SH SOLE 0 0 3,499
ISHARES CORE MSCI EMERGING MARKETS ETF COM 46434G103 576 8,745 SH SOLE 0 0 8,745
VISA INC COM CL A COM 92826C839 584 1,711 SH SOLE 0 0 1,711
ISHARES RUSSELL 1000 GROWTH ETF COM 464287614 586 1,253 SH SOLE 0 0 1,253
ALPHABET INC CAP STK CL C COM 02079K107 603 2,479 SH SOLE 0 0 2,479
CHEVRON CORP NEW COM COM 166764100 613 3,951 SH SOLE 0 0 3,951
JPMORGAN INCOME ETF COM 46641Q159 617 13,297 SH SOLE 0 0 13,297
EXXON MOBIL CORP COM COM 30231G102 637 5,651 SH SOLE 0 0 5,651
TESLA INC COM COM 88160R101 648 1,458 SH SOLE 0 0 1,458
NEXTERA ENERGY INC COM COM 65339F101 659 8,733 SH SOLE 0 0 8,733
ZACKS FOCUS GROWTH ETF COM 98888G808 728 24,850 SH SOLE 0 0 24,850
INTERNATIONAL BUSINESS MACHS COM COM 459200101 742 2,631 SH SOLE 0 0 2,631
ABBOTT LABS COM COM 002824100 756 5,645 SH SOLE 0 0 5,645
ELI LILLY & CO COM COM 532457108 763 1,001 SH SOLE 0 0 1,001
MCDONALDS CORP COM COM 580135101 773 2,545 SH SOLE 0 0 2,545
CISCO SYS INC COM COM 17275R102 784 11,460 SH SOLE 0 0 11,460
AUTOMATIC DATA PROCESSING INC COM COM 053015103 840 2,849 SH SOLE 0 0 2,849
EMERSON ELEC CO COM COM 291011104 846 6,453 SH SOLE 0 0 6,453
3M CO COM COM 88579Y101 862 5,555 SH SOLE 0 0 5,555
HOME DEPOT INC COM COM 437076102 902 2,227 SH SOLE 0 0 2,227
NETFLIX INC COM COM 64110L106 903 754 SH SOLE 0 0 754
WALMART INC COM COM 931142103 907 8,810 SH SOLE 0 0 8,810
ALPHABET INC CAP STK CL A COM 02079K305 1,090 4,487 SH SOLE 0 0 4,487
CATERPILLAR INC COM COM 149123101 1,092 2,290 SH SOLE 0 0 2,290
FISERV INC COM COM 337738108 1,105 8,574 SH SOLE 0 0 8,574
PROCTER AND GAMBLE CO COM COM 742718109 1,106 7,203 SH SOLE 0 0 7,203
BROADCOM INC COM COM 11135F101 1,127 3,419 SH SOLE 0 0 3,419
JPMORGAN ACTIVE VALUE ETF COM 46641Q167 1,175 17,046 SH SOLE 0 0 17,046
JOHNSON & JOHNSON COM COM 478160104 1,188 6,410 SH SOLE 0 0 6,410
BANK AMERICA CORP COM COM 060505104 1,201 23,284 SH SOLE 0 0 23,284
BERKSHIRE HATHAWAY INC DEL CL B NEW COM 084670702 1,226 2,440 SH SOLE 0 0 2,440
JPMORGAN GLOBAL SELECT EQUITY ETF GLOBAL SELECT EQUITY ETF COM 46654Q740 1,251 18,473 SH SOLE 0 0 18,473
ABBVIE INC COM COM 00287Y109 1,344 5,806 SH SOLE 0 0 5,806
PACCAR INC COM COM 693718108 1,365 13,893 SH SOLE 0 0 13,893
BOEING CO COM COM 097023105 1,405 6,513 SH SOLE 0 0 6,513
JPMORGAN CORE PLUS BOND ETF COM 46641Q670 1,413 29,724 SH SOLE 0 0 29,724
JPMORGAN CHASE & CO. COM COM 46625H100 1,417 4,495 SH SOLE 0 0 4,495
JPMORGAN ACTIVE GROWTH ETF COM 46654Q609 1,482 15,810 SH SOLE 0 0 15,810
VANGUARD SHORT DURATION TAX-EXEMPT BOND ETF COM 922907696 1,540 20,088 SH SOLE 0 0 20,088
JPMORGAN INTERNATIONAL RESEARCH ENHANCED EQUITY ETF COM 46641Q134 1,797 24,448 SH SOLE 0 0 24,448
STARBUCKS CORP COM COM 855244109 1,939 22,927 SH SOLE 0 0 22,927
META PLATFORMS INC CL A COM 30303M102 1,962 2,671 SH SOLE 0 0 2,671
FRANKLIN DYNAMIC MUNICIPAL BOND ETF COM 35473P868 2,003 80,898 SH SOLE 0 0 80,898
AMAZON COM INC COM COM 023135106 2,130 9,702 SH SOLE 0 0 9,702
WISDOMTREE ENHANCED COMMODITY STGY FD COM 97717Y683 2,349 109,846 SH SOLE 0 0 109,846
PARAMETRIC EQUITY PREMIUM INCOME ETF COM 61774R866 2,571 98,053 SH SOLE 0 0 98,053
UTILITIES SELECT SECTOR SPDR FUND COM 81369Y886 2,827 32,416 SH SOLE 0 0 32,416
VANECK CLO ETF COM 92189H748 2,910 54,820 SH SOLE 0 0 54,820
CAPITAL GROUP U.S. MULTI-SECTOR INCOME ETF COM 14020Y300 2,931 105,633 SH SOLE 0 0 105,633
FIRST TRUST INSTITUTIONAL PREFERRED SECURITIES & INCOME ETF COM 33739P855 3,062 158,332 SH SOLE 0 0 158,332
ISHARES NATIONAL MUNI BOND ETF COM 464288414 3,063 28,769 SH SOLE 0 0 28,769
FIDELITY EMERGING MARKETS MULTIFACTOR ETF COM 316092543 3,211 106,781 SH SOLE 0 0 106,781
VANGUARD CORE TAX-EXEMPT BOND ETF COM 922907712 3,561 47,331 SH SOLE 0 0 47,331
CAPITAL GROUP GROWTH ETF COM 14020G101 3,709 84,470 SH SOLE 0 0 84,470
COSTCO WHSL CORP NEW COM COM 22160K105 3,909 4,223 SH SOLE 0 0 4,223
PARAMETRIC HEDGED EQUITY ETF COM 61774R874 4,275 133,537 SH SOLE 0 0 133,537
JPMORGAN INTERNATIONAL VALUE ETF COM 46654Q757 5,258 69,739 SH SOLE 0 0 69,739
ZACKS EARNINGS CONSISTENT PORTFOLIO ETF COM 98888G105 5,391 160,372 SH SOLE 0 0 160,372
ZACKS SMALL/MID CAP ETF COM 98888G204 5,567 149,067 SH SOLE 0 0 149,067
VANGUARD TOTAL INTERNATIONAL STOCK ETF COM 921909768 5,757 78,381 SH SOLE 0 0 78,381
JPMORGAN BETABUILDERS U.S. EQUITY ETF COM 46641Q399 6,001 49,737 SH SOLE 0 0 49,737
FIDELITY HIGH DIVIDEND ETF COM 316092840 6,764 121,431 SH SOLE 0 0 121,431
ISHARES CORE U.S. AGGREGATE BOND ETF COM 464287226 8,396 83,750 SH SOLE 0 0 83,750
STATE STREET SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF COM 78464A375 9,187 271,091 SH SOLE 0 0 271,091
APPLE INC COM COM 037833100 9,267 36,395 SH SOLE 0 0 36,395
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF COM 464287242 9,884 88,669 SH SOLE 0 0 88,669
ISHARES CORE S&P 500 ETF COM 464287200 11,558 17,270 SH SOLE 0 0 17,270
NVIDIA CORPORATION COM COM 67066G104 13,568 72,717 SH SOLE 0 0 72,717
MICROSOFT CORP COM COM 594918104 25,073 48,409 SH SOLE 0 0 48,409