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
Alphabet Inc. Class A COM 02079K305   462,042 3,860 SH   SOLE   0 0 3,860
Alphabet Inc. Class C COM 02079K107   864,573 7,147 SH   SOLE   0 0 7,147
Apple COM 037833100   8,073,118 41,620 SH   SOLE   0 0 41,620
Berkshire Hathaway B COM 084670702   494,109 1,449 SH   SOLE   0 0 1,449
BlackRock Floating Rate COM 09255X100   809,229 66,276 SH   SOLE   0 0 66,276
Broadcom Inc COM 11135F101   545,729 629 SH   SOLE   0 0 629
BulletShares 2023 Corporate COM 18383M241   858,576 40,556 SH   SOLE   0 0 40,556
BulletShares 2024 Corporate COM 18383M233   227,014 11,036 SH   SOLE   0 0 11,036
BulletShares 2025 Corporate COM 18383M191   259,637 12,898 SH   SOLE   0 0 12,898
BulletShares 2028 Corporate COM 46138J643   257,080 13,020 SH   SOLE   0 0 13,020
Chevron COM 166764100   605,205 3,846 SH   SOLE   0 0 3,846
Crown Castle International COM 22822V101   234,628 2,059 SH   SOLE   0 0 2,059
Cummins COM 231021106   889,339 3,628 SH   SOLE   0 0 3,628
Dimensional US Marketwide Value ETF COM 25434V724   352,488 10,217 SH   SOLE   0 0 10,217
Disney Holding COM 254687106   431,064 4,828 SH   SOLE   0 0 4,828
Ford Motor Company COM 345370860   377,458 24,948 SH   SOLE   0 0 24,948
GraniteShares Gold ETF COM 38748G101   1,455,082 76,543 SH   SOLE   0 0 76,543
Hologic COM 436440101   515,941 6,372 SH   SOLE   0 0 6,372
Int'l Business Machines COM 459200101   742,041 5,545 SH   SOLE   0 0 5,545
Invesco NY AMT-Free Muni Bd ETF COM 46138E529   353,607 15,550 SH   SOLE   0 0 15,550
Invesco Preferred Stock ETF COM 46138E511   1,284,804 113,000 SH   SOLE   0 0 113,000
Invesco QQQ Trust COM 46090E103   708,848 1,919 SH   SOLE   0 0 1,919
Invesco Variable Rate Preferred ETF COM 46138G870   2,480,622 111,489 SH   SOLE   0 0 111,489
iShares Biotechnology COM 464287556   337,727 2,660 SH   SOLE   0 0 2,660
iShares Convertible Bond ETF COM 46435G102   5,038,828 65,988 SH   SOLE   0 0 65,988
iShares Dow Select Dividend COM 464287168   942,329 8,317 SH   SOLE   0 0 8,317
iShares Floating Rate Note COM 46429B655   1,741,777 34,273 SH   SOLE   0 0 34,273
iShares Gold Trust COM 464285105   4,707,993 129,376 SH   SOLE   0 0 129,376
iShares iBonds Dec 2026 Term Corp ETF COM 46435GAA0   223,669 9,530 SH   SOLE   0 0 9,530
iShares iBonds Dec 2026 Term Muni Bd ETF COM 46435U259   259,480 10,305 SH   SOLE   0 0 10,305
iShares iBonds Dec 2027 Term Muni Bd ETF COM 46435U283   275,214 10,980 SH   SOLE   0 0 10,980
iShares iBonds Dec-2025 Muni COM 46435U432   554,641 21,061 SH   SOLE   0 0 21,061
iShares National Muni Bond ETF COM 464288414   2,578,325 24,157 SH   SOLE   0 0 24,157
iShares New York Muni Bond ETF COM 464288323   555,236 10,425 SH   SOLE   0 0 10,425
iShares Russell 1000 COM 464287622   928,573 3,810 SH   SOLE   0 0 3,810
iShares Russell 2000 COM 464287655   274,484 1,466 SH   SOLE   0 0 1,466
iShares S-T National Muni COM 464288158   860,283 8,269 SH   SOLE   0 0 8,269
iShares US Preferred Stock COM 464288687   5,074,189 164,054 SH   SOLE   0 0 164,054
McKesson COM 58155Q103   279,461 654 SH   SOLE   0 0 654
Medtronic COM 585055106   735,547 8,349 SH   SOLE   0 0 8,349
Microsoft COM 594918104   1,895,944 5,567 SH   SOLE   0 0 5,567
NextEra Energy COM 65339F101   541,595 7,299 SH   SOLE   0 0 7,299
Nuveen Floating Rate COM 67072T108   1,580,085 200,264 SH   SOLE   0 0 200,264
Nvidia COM 67066G104   1,006,280 2,379 SH   SOLE   0 0 2,379
Procter & Gamble COM 742718109   475,468 3,133 SH   SOLE   0 0 3,133
Schwab 1-5 Year Corporate Bond ETF COM 808524714   2,396,673 50,702 SH   SOLE   0 0 50,702
Schwab Emerging Markets COM 808524706   1,575,233 63,956 SH   SOLE   0 0 63,956
Schwab International Equity Index ETF COM 808524805   2,081,087 58,376 SH   SOLE   0 0 58,376
Schwab I-T US Treasury COM 808524854   229,398 4,655 SH   SOLE   0 0 4,655
Schwab Small Cap Index ETF COM 808524607   816,447 18,640 SH   SOLE   0 0 18,640
Schwab S-T US Treasury COM 808524862   4,836,206 100,629 SH   SOLE   0 0 100,629
Schwab US Aggregate Bond ETF COM 808524839   2,195,615 47,565 SH   SOLE   0 0 47,565
Schwab US Broad Market COM 808524102   411,779 7,965 SH   SOLE   0 0 7,965
Schwab US Dividend Equity COM 808524797   14,062,032 193,639 SH   SOLE   0 0 193,639
Schwab US Large Growth Index ETF COM 808524300   1,705,457 22,755 SH   SOLE   0 0 22,755
Schwab US Large Value Index ETF COM 808524409   441,209 6,576 SH   SOLE   0 0 6,576
Schwab US REIT Index COM 808524847   623,233 31,912 SH   SOLE   0 0 31,912
Schwab US TIPS ETF COM 808524870   2,043,818 38,982 SH   SOLE   0 0 38,982
SPDR Barclays S-T Muni Bond COM 78464A425   6,505,954 138,277 SH   SOLE   0 0 138,277
SPDR S&P 600 Small Cap Growth COM 78464A201   7,999,800 103,948 SH   SOLE   0 0 103,948
SPDR S&P 600 Small Cap Value COM 78464A300   4,910,173 63,612 SH   SOLE   0 0 63,612
SPDR S&P International Dividend COM 78463X772   3,016,499 87,714 SH   SOLE   0 0 87,714
Stratgy Shars Nasdaq 7 Handl ETF COM 86280R506   1,569,759 77,214 SH   SOLE   0 0 77,214
United Parcel Service COM 911312106   462,408 2,580 SH   SOLE   0 0 2,580
Utilities Sector SPDR COM 81369Y886   468,474 7,159 SH   SOLE   0 0 7,159
Van Eck S-T HY Muni COM 92189F387   1,958,108 87,808 SH   SOLE   0 0 87,808
Vanguard Dividend Appreciation COM 921908844   7,169,702 44,140 SH   SOLE   0 0 44,140
Vanguard ESG US Stock COM 921910733   203,339 2,595 SH   SOLE   0 0 2,595
Vanguard High Dividend Yield COM 921946406   1,160,975 10,945 SH   SOLE   0 0 10,945
Vanguard I-T Corporate Bond COM 92206C870   366,538 4,638 SH   SOLE   0 0 4,638
Vanguard Small Cap Growth ETF COM 922908595   1,481,817 6,450 SH   SOLE   0 0 6,450
Walmart COM 931142103   536,334 3,412 SH   SOLE   0 0 3,412
Waste Management COM 94106L109   589,455 3,399 SH   SOLE   0 0 3,399
WisdomTree EM Equity Income COM 97717W315   1,272,329 33,246 SH   SOLE   0 0 33,246
WisdomTree Small Cap Dividend COM 97717W604   3,195,691 111,000 SH   SOLE   0 0 111,000