Sovereign Financial 13F-HR Quarterly holdings report by institutional manager

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

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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
ABBVIE INC	COM	00287Y109	584,508	3,289	SH		SOLE		0	0	3,289
ADVANCED MICRO DEVICES INC	COM	007903107	364,061	3,014	SH		SOLE		0	0	3,014
ALLSTATE CORP	COM	020002101	974,495	5,055	SH		SOLE		0	0	5,055
ALPHABET INC	CAP STK CL C	02079K107	10,956,693	57,534	SH		SOLE		0	0	57,534
ALPHABET INC	CAP STK CL A	02079K305	7,069,374	37,345	SH		SOLE		0	0	37,345
ALPS ETF TR	OSHARES US QUALT	00162Q387	1,189,743	22,397	SH		SOLE		0	0	22,397
ALTRIA GROUP INC	COM	02209S103	318,012	6,082	SH		SOLE		0	0	6,082
AMAZON COM INC	COM	023135106	4,101,496	18,695	SH		SOLE		0	0	18,695
AMERICAN ELEC PWR CO INC	COM	025537101	402,977	4,369	SH		SOLE		0	0	4,369
AMERICAN EXPRESS CO	COM	025816109	477,341	1,608	SH		SOLE		0	0	1,608
AMGEN INC	COM	031162100	423,540	1,625	SH		SOLE		0	0	1,625
ANALOG DEVICES INC	COM	032654105	326,365	1,536	SH		SOLE		0	0	1,536
APPLE INC	COM	037833100	13,576,824	54,216	SH		SOLE		0	0	54,216
APPLIED MATLS INC	COM	038222105	217,924	1,340	SH		SOLE		0	0	1,340
ARK ETF TR	INNOVATION ETF	00214Q104	386,115	6,801	SH		SOLE		0	0	6,801
ARM HOLDINGS PLC	SPONSORED ADS	042068205	492,823	3,995	SH		SOLE		0	0	3,995
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	329,831	476	SH		SOLE		0	0	476
AT&T INC	COM	00206R102	1,180,712	51,854	SH		SOLE		0	0	51,854
BANK AMERICA CORP	COM	060505104	1,656,531	37,691	SH		SOLE		0	0	37,691
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,235,188	2,725	SH		SOLE		0	0	2,725
BIGBEAR AI HLDGS INC	COM	08975B109	889,177	199,815	SH		SOLE		0	0	199,815
BLACKROCK ETF TRUST	ISHARES US EQUIT	09290C103	1,963,905	38,320	SH		SOLE		0	0	38,320
BLACKROCK ETF TRUST	US CARBON TRANS	09290C509	377,959	5,901	SH		SOLE		0	0	5,901
BLACKROCK INC	COM	09290D101	329,738	322	SH		SOLE		0	0	322
BLACKSTONE INC	COM	09260D107	649,506	3,767	SH		SOLE		0	0	3,767
BLACKSTONE SECD LENDING FD	COMMON STOCK	09261X102	260,386	8,059	SH		SOLE		0	0	8,059
BRISTOL-MYERS SQUIBB CO	COM	110122108	804,393	14,222	SH		SOLE		0	0	14,222
BROADCOM INC	COM	11135F101	1,373,449	5,924	SH		SOLE		0	0	5,924
CALIFORNIA WTR SVC GROUP	COM	130788102	507,973	11,206	SH		SOLE		0	0	11,206
CARRIER GLOBAL CORPORATION	COM	14448C104	279,252	4,091	SH		SOLE		0	0	4,091
CATERPILLAR INC	COM	149123101	652,392	1,798	SH		SOLE		0	0	1,798
CHEVRON CORP NEW	COM	166764100	389,341	2,688	SH		SOLE		0	0	2,688
CHURCH & DWIGHT CO INC	COM	171340102	1,810,768	17,293	SH		SOLE		0	0	17,293
CISCO SYS INC	COM	17275R102	599,496	10,127	SH		SOLE		0	0	10,127
COCA COLA CO	COM	191216100	732,773	11,770	SH		SOLE		0	0	11,770
COLGATE PALMOLIVE CO	COM	194162103	383,186	4,215	SH		SOLE		0	0	4,215
COMMERCIAL METALS CO	COM	201723103	501,208	10,105	SH		SOLE		0	0	10,105
COMMUNITY FINANCIAL SYSTEM I	COM	203607106	449,894	7,294	SH		SOLE		0	0	7,294
CONCENTRA GROUP HOLDINGS PAR	COMMON STOCK	20603L102	402,108	20,329	SH		SOLE		0	0	20,329
CONOCOPHILLIPS	COM	20825C104	263,693	2,659	SH		SOLE		0	0	2,659
CONSOLIDATED EDISON INC	COM	209115104	1,819,703	20,393	SH		SOLE		0	0	20,393
COSTCO WHSL CORP NEW	COM	22160K105	1,571,727	1,715	SH		SOLE		0	0	1,715
CSX CORP	COM	126408103	1,147,773	35,568	SH		SOLE		0	0	35,568
CUMMINS INC	COM	231021106	318,272	913	SH		SOLE		0	0	913
D-WAVE QUANTUM INC	COM	26740W109	179,214	21,335	SH		SOLE		0	0	21,335
DEERE & CO	COM	244199105	443,442	1,047	SH		SOLE		0	0	1,047
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	832,888	23,475	SH		SOLE		0	0	23,475
DISNEY WALT CO	COM	254687106	517,953	4,652	SH		SOLE		0	0	4,652
DNP SELECT INCOME FD INC	COM	23325P104	253,266	28,715	SH		SOLE		0	0	28,715
DOCUSIGN INC	COM	256163106	289,498	3,219	SH		SOLE		0	0	3,219
DOMINION ENERGY INC	COM	25746U109	889,011	16,506	SH		SOLE		0	0	16,506
DTE ENERGY CO	COM	233331107	403,788	3,344	SH		SOLE		0	0	3,344
DUPONT DE NEMOURS INC	COM	26614N102	207,768	2,725	SH		SOLE		0	0	2,725
EATON CORP PLC	SHS	G29183103	458,407	1,381	SH		SOLE		0	0	1,381
ELI LILLY & CO	COM	532457108	577,532	748	SH		SOLE		0	0	748
EMERSON ELEC CO	COM	291011104	223,976	1,807	SH		SOLE		0	0	1,807
ENTERPRISE PRODS PARTNERS L	COM	293792107	453,685	14,467	SH		SOLE		0	0	14,467
ESSEX PPTY TR INC	COM	297178105	244,746	857	SH		SOLE		0	0	857
ETFS GOLD TR	PHYSCL GOLD SHS	00326A104	338,325	13,506	SH		SOLE		0	0	13,506
EXXON MOBIL CORP	COM	30231G102	2,392,175	22,238	SH		SOLE		0	0	22,238
FIDELITY COVINGTON TRUST	LOW VOLITY ETF	316092824	304,043	5,018	SH		SOLE		0	0	5,018
FIRST TR EXCHANGE-TRADED FD	RISNG DIVD ACHIV	33738R506	6,956,135	117,621	SH		SOLE		0	0	117,621
FIRST TR EXCHANGE-TRADED FD	FST LOW OPPT EFT	33739Q200	212,007	4,356	SH		SOLE		0	0	4,356
FIRST TR EXCHNG TRADED FD VI	FT VEST US EQT	33740F763	582,160	11,697	SH		SOLE		0	0	11,697
FIRST TR EXCHNG TRADED FD VI	FT VEST US	33740F771	574,052	13,447	SH		SOLE		0	0	13,447
FORD MTR CO	COM	345370860	312,438	31,559	SH		SOLE		0	0	31,559
FS KKR CAP CORP	COM	302635206	502,075	23,116	SH		SOLE		0	0	23,116
GE AEROSPACE	COM NEW	369604301	450,381	2,700	SH		SOLE		0	0	2,700
GE VERNOVA INC	COM	36828A101	942,521	2,865	SH		SOLE		0	0	2,865
GENERAL MLS INC	COM	370334104	1,352,395	21,207	SH		SOLE		0	0	21,207
GENERAL MTRS CO	COM	37045V100	258,254	4,848	SH		SOLE		0	0	4,848
GOLDMAN SACHS ETF TR	ACCESS HIG YLD	381430453	372,396	8,378	SH		SOLE		0	0	8,378
GOLDMAN SACHS GROUP INC	COM	38141G104	604,907	1,056	SH		SOLE		0	0	1,056
GRANITESHARES ETF TR	2X LONG NVDA DAI	38747R827	484,647	7,300	SH		SOLE		0	0	7,300
GRAYSCALE BITCOIN TRUST ETF	SHS REP COM UT	389637109	258,700	3,495	SH		SOLE		0	0	3,495
HIGHLAND GLOBAL ALLOCATION F	COM	43010T104	779,811	114,510	SH		SOLE		0	0	114,510
HOME DEPOT INC	COM	437076102	1,363,037	3,504	SH		SOLE		0	0	3,504
HONEYWELL INTL INC	COM	438516106	445,756	1,973	SH		SOLE		0	0	1,973
HORMEL FOODS CORP	COM	440452100	541,459	17,260	SH		SOLE		0	0	17,260
HUBBELL INC	COM	443510607	417,633	997	SH		SOLE		0	0	997
I-80 GOLD CORP	COM	44955L106	9,288	19,150	SH		SOLE		0	0	19,150
INNOVATOR ETFS TRUST	US EQTY PWR BUF	45782C508	547,814	12,966	SH		SOLE		0	0	12,966
INTEL CORP	COM	458140100	243,246	12,132	SH		SOLE		0	0	12,132
INTERNATIONAL BUSINESS MACHS	COM	459200101	1,059,311	4,819	SH		SOLE		0	0	4,819
INVESCO ACTIVELY MANAGED EXC	ULTRA SHRT DUR	46090A887	1,654,582	33,019	SH		SOLE		0	0	33,019
INVESCO EXCH TRADED FD TR II	SHORT TERM TREAS	46138G888	809,318	7,664	SH		SOLE		0	0	7,664
INVESCO EXCH TRD SLF IDX FD	RAFI STRATGIC US	46138J742	1,831,979	36,883	SH		SOLE		0	0	36,883
INVESCO EXCHANGE TRADED FD T	S&P 500 GARP ETF	46137V431	1,953,390	18,625	SH		SOLE		0	0	18,625
INVESCO EXCHANGE TRADED FD T	HIG YLD EQ DIV	46137V563	380,231	17,885	SH		SOLE		0	0	17,885
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	847,019	20,997	SH		SOLE		0	0	20,997
INVESCO EXCHANGE TRADED FD T	DORSEY WRIGHT MO	46137V837	1,803,523	16,760	SH		SOLE		0	0	16,760
INVESCO QQQ TR	UNIT SER 1	46090E103	17,992,823	35,195	SH		SOLE		0	0	35,195
INVESCO TR INVT GRADE MUNS	COM	46131M106	254,674	25,215	SH		SOLE		0	0	25,215
IONQ INC	COM	46222L108	1,439,645	34,466	SH		SOLE		0	0	34,466
IRON MTN INC DEL	COM	46284V101	330,256	3,142	SH		SOLE		0	0	3,142
ISHARES BITCOIN TRUST ETF	SHS BEN INT	46438F101	883,017	16,645	SH		SOLE		0	0	16,645
ISHARES GOLD TR	ISHARES NEW	464285204	514,211	10,386	SH		SOLE		0	0	10,386
ISHARES INC	CORE MSCI EMKT	46434G103	801,968	15,357	SH		SOLE		0	0	15,357
ISHARES INC	MSCI EMRG CHN	46434G764	842,956	15,202	SH		SOLE		0	0	15,202
ISHARES SILVER TR	ISHARES	46428Q109	387,578	14,720	SH		SOLE		0	0	14,720
ISHARES TR	S&P 100 ETF	464287101	300,334	1,040	SH		SOLE		0	0	1,040
ISHARES TR	CORE S&P TTL STK	464287150	1,313,406	10,212	SH		SOLE		0	0	10,212
ISHARES TR	TIPS BD ETF	464287176	1,239,884	11,637	SH		SOLE		0	0	11,637
ISHARES TR	CORE S&P500 ETF	464287200	18,198,487	30,914	SH		SOLE		0	0	30,914
ISHARES TR	MSCI EMG MKT ETF	464287234	868,518	20,768	SH		SOLE		0	0	20,768
ISHARES TR	S&P 500 GRWT ETF	464287309	2,546,321	25,079	SH		SOLE		0	0	25,079
ISHARES TR	S&P 500 VAL ETF	464287408	1,164,431	6,100	SH		SOLE		0	0	6,100
ISHARES TR	20 YR TR BD ETF	464287432	474,732	5,436	SH		SOLE		0	0	5,436
ISHARES TR	7-10 YR TRSY BD	464287440	275,977	2,985	SH		SOLE		0	0	2,985
ISHARES TR	1 3 YR TREAS BD	464287457	218,988	2,671	SH		SOLE		0	0	2,671
ISHARES TR	MSCI EAFE ETF	464287465	1,121,552	14,833	SH		SOLE		0	0	14,833
ISHARES TR	CORE S&P MCP ETF	464287507	867,582	13,924	SH		SOLE		0	0	13,924
ISHARES TR	ISHARES BIOTECH	464287556	659,463	4,988	SH		SOLE		0	0	4,988
ISHARES TR	RUS 1000 VAL ETF	464287598	526,695	2,845	SH		SOLE		0	0	2,845
ISHARES TR	RUS 1000 GRW ETF	464287614	858,578	2,138	SH		SOLE		0	0	2,138
ISHARES TR	RUSSELL 2000 ETF	464287655	363,921	1,647	SH		SOLE		0	0	1,647
ISHARES TR	CORE S&P US VLU	464287663	1,431,639	15,462	SH		SOLE		0	0	15,462
ISHARES TR	CORE S&P US GWT	464287671	2,132,224	15,301	SH		SOLE		0	0	15,301
ISHARES TR	U.S. TECH ETF	464287721	1,008,537	6,322	SH		SOLE		0	0	6,322
ISHARES TR	CORE S&P SCP ETF	464287804	1,187,832	10,309	SH		SOLE		0	0	10,309
ISHARES TR	DOW JONES US ETF	464287846	568,640	3,974	SH		SOLE		0	0	3,974
ISHARES TR	INTL TREA BD ETF	464288117	626,000	16,294	SH		SOLE		0	0	16,294
ISHARES TR	IBOXX HI YD ETF	464288513	279,092	3,549	SH		SOLE		0	0	3,549
ISHARES TR	RESIDENTIAL MULT	464288562	3,527,014	43,533	SH		SOLE		0	0	43,533
ISHARES TR	MSCI KLD400 SOC	464288570	419,391	3,804	SH		SOLE		0	0	3,804
ISHARES TR	MBS ETF	464288588	926,970	10,111	SH		SOLE		0	0	10,111
ISHARES TR	ISHS 1-5YR INVS	464288646	1,620,226	31,339	SH		SOLE		0	0	31,339
ISHARES TR	SHORT TREAS BD	464288679	743,022	6,748	SH		SOLE		0	0	6,748
ISHARES TR	EAFE VALUE ETF	464288877	1,835,976	34,991	SH		SOLE		0	0	34,991
ISHARES TR	EAFE GRWTH ETF	464288885	1,785,696	18,442	SH		SOLE		0	0	18,442
ISHARES TR	RUS TP200 GR ETF	464289438	1,781,464	7,572	SH		SOLE		0	0	7,572
ISHARES TR	10+ YR INVST GRD	464289511	452,306	9,156	SH		SOLE		0	0	9,156
ISHARES TR	AGGRES ALLOC ETF	464289859	427,744	5,583	SH		SOLE		0	0	5,583
ISHARES TR	GRWT ALLOCAT ETF	464289867	274,781	4,794	SH		SOLE		0	0	4,794
ISHARES TR	MODERT ALLOC ETF	464289875	878,030	20,212	SH		SOLE		0	0	20,212
ISHARES TR	CONSER ALLOC ETF	464289883	306,612	8,220	SH		SOLE		0	0	8,220
ISHARES TR	CORE HIGH DV ETF	46429B663	622,145	5,542	SH		SOLE		0	0	5,542
ISHARES TR	MSCI USA MIN VOL	46429B697	679,223	7,650	SH		SOLE		0	0	7,650
ISHARES TR	0-5 YR TIPS ETF	46429B747	418,194	4,157	SH		SOLE		0	0	4,157
ISHARES TR	MSCI USA QLT FCT	46432F339	2,071,542	11,633	SH		SOLE		0	0	11,633
ISHARES TR	MSCI USA MMENTM	46432F396	895,050	4,326	SH		SOLE		0	0	4,326
ISHARES TR	CORE MSCI TOTAL	46432F834	271,902	4,111	SH		SOLE		0	0	4,111
ISHARES TR	CORE MSCI EAFE	46432F842	1,515,004	21,557	SH		SOLE		0	0	21,557
ISHARES TR	CORE TOTAL USD	46434V613	3,259,415	72,111	SH		SOLE		0	0	72,111
ISHARES TR	TRS FLT RT BD	46434V860	1,605,232	31,806	SH		SOLE		0	0	31,806
ISHARES TR	ESG AWR MSCI USA	46435G425	614,214	4,768	SH		SOLE		0	0	4,768
ISHARES TR	US INFRASTRUC	46435U713	512,130	11,064	SH		SOLE		0	0	11,064
ISHARES TR	ESG MSCI USA ETF	46436E767	330,986	6,657	SH		SOLE		0	0	6,657
ISHARES U S ETF TR	SHORT DURATION B	46431W507	3,042,084	60,239	SH		SOLE		0	0	60,239
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	1,356,804	23,584	SH		SOLE		0	0	23,584
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT ETF	46641Q837	1,442,828	28,645	SH		SOLE		0	0	28,645
J P MORGAN EXCHANGE TRADED F	NASDAQ EQT PREM	46654Q203	201,829	3,580	SH		SOLE		0	0	3,580
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	803,314	13,449	SH		SOLE		0	0	13,449
JOHNSON & JOHNSON	COM	478160104	558,043	3,859	SH		SOLE		0	0	3,859
JPMORGAN CHASE & CO.	COM	46625H100	1,499,386	6,255	SH		SOLE		0	0	6,255
KELLANOVA	COM	487836108	701,119	8,659	SH		SOLE		0	0	8,659
KIMBERLY-CLARK CORP	COM	494368103	1,346,461	10,275	SH		SOLE		0	0	10,275
KKR & CO INC	COM	48251W104	469,171	3,172	SH		SOLE		0	0	3,172
LOWES COS INC	COM	548661107	236,681	959	SH		SOLE		0	0	959
MASTERCARD INCORPORATED	CL A	57636Q104	2,819,301	5,354	SH		SOLE		0	0	5,354
MCCORMICK & CO INC	COM NON VTG	579780206	354,364	4,648	SH		SOLE		0	0	4,648
MCDONALDS CORP	COM	580135101	681,846	2,352	SH		SOLE		0	0	2,352
MERCK & CO INC	COM	58933Y105	448,997	4,513	SH		SOLE		0	0	4,513
META PLATFORMS INC	CL A	30303M102	1,967,653	3,361	SH		SOLE		0	0	3,361
MICRON TECHNOLOGY INC	COM	595112103	528,777	6,283	SH		SOLE		0	0	6,283
MICROSOFT CORP	COM	594918104	6,177,245	14,655	SH		SOLE		0	0	14,655
MIDCAP FINANCIAL INVSTMNT CO	COM NEW	03761U502	163,404	12,113	SH		SOLE		0	0	12,113
MODINE MFG CO	COM	607828100	274,406	2,367	SH		SOLE		0	0	2,367
MONDELEZ INTL INC	CL A	609207105	309,377	5,180	SH		SOLE		0	0	5,180
NETFLIX INC	COM	64110L106	528,553	593	SH		SOLE		0	0	593
NEW JERSEY RES CORP	COM	646025106	223,687	4,795	SH		SOLE		0	0	4,795
NEXPOINT DIVERSIFIED REL ET	COM NEW	65340G205	218,991	35,900	SH		SOLE		0	0	35,900
NEXTERA ENERGY INC	COM	65339F101	679,687	9,481	SH		SOLE		0	0	9,481
NORFOLK SOUTHN CORP	COM	655844108	241,037	1,027	SH		SOLE		0	0	1,027
NUVEEN AMT FREE QLTY MUN INC	COM	670657105	169,919	15,064	SH		SOLE		0	0	15,064
NVIDIA CORPORATION	COM	67066G104	5,361,494	39,925	SH		SOLE		0	0	39,925
NYLI CBRE GBL INFR MEGTRNDS	COM	56064Q107	187,027	15,368	SH		SOLE		0	0	15,368
OCEAN PWR TECHNOLOGIES INC	COM NEW	674870506	15,300	15,000	SH		SOLE		0	0	15,000
OKLO INC	COM CL A	02156V109	461,094	21,719	SH		SOLE		0	0	21,719
OMEGA HEALTHCARE INVS INC	COM	681936100	335,365	8,860	SH		SOLE		0	0	8,860
ONE STOP SYS INC	COM	68247W109	59,345	17,715	SH		SOLE		0	0	17,715
ONEOK INC NEW	COM	682680103	266,060	2,650	SH		SOLE		0	0	2,650
OPKO HEALTH INC	COM	68375N103	29,509	20,074	SH		SOLE		0	0	20,074
ORACLE CORP	COM	68389X105	605,070	3,631	SH		SOLE		0	0	3,631
OTIS WORLDWIDE CORP	COM	68902V107	422,532	4,562	SH		SOLE		0	0	4,562
PACER FDS TR	TRENDP US LAR CP	69374H105	339,558	6,354	SH		SOLE		0	0	6,354
PALANTIR TECHNOLOGIES INC	CL A	69608A108	235,587	3,115	SH		SOLE		0	0	3,115
PEPSICO INC	COM	713448108	653,474	4,297	SH		SOLE		0	0	4,297
PETROLEO BRASILEIRO SA PETRO	SPONSORED ADR	71654V408	136,535	10,617	SH		SOLE		0	0	10,617
PFIZER INC	COM	717081103	433,563	16,342	SH		SOLE		0	0	16,342
PHILIP MORRIS INTL INC	COM	718172109	385,240	3,201	SH		SOLE		0	0	3,201
PROCTER AND GAMBLE CO	COM	742718109	799,811	4,771	SH		SOLE		0	0	4,771
PROSHARES TR	PSHS ULT S&P 500	74347R107	1,684,330	18,207	SH		SOLE		0	0	18,207
PROSHARES TR	ULTRAPRO QQQ	74347X831	821,528	10,382	SH		SOLE		0	0	10,382
PROSHARES TR	S&P 500 DV ARIST	74348A467	424,144	4,261	SH		SOLE		0	0	4,261
PUBLIC STORAGE OPER CO	COM	74460D109	329,683	1,101	SH		SOLE		0	0	1,101
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	891,989	10,557	SH		SOLE		0	0	10,557
PURECYCLE TECHNOLOGIES INC	COM	74623V103	244,688	23,872	SH		SOLE		0	0	23,872
QUALCOMM INC	COM	747525103	636,601	4,144	SH		SOLE		0	0	4,144
QUANTUM COMPUTING INC	COM	74766W108	209,358	12,650	SH		SOLE		0	0	12,650
RBB FD INC	US TREAS 3 MNTH	74933W452	3,494,281	70,082	SH		SOLE		0	0	70,082
REALTY INCOME CORP	COM	756109104	277,843	5,202	SH		SOLE		0	0	5,202
RIGETTI COMPUTING INC	COMMON STOCK	76655K103	215,166	14,100	SH		SOLE		0	0	14,100
RINGCENTRAL INC	CL A	76680R206	352,866	10,079	SH		SOLE		0	0	10,079
RTX CORPORATION	COM	75513E101	689,923	5,962	SH		SOLE		0	0	5,962
SALESFORCE INC	COM	79466L302	398,692	1,193	SH		SOLE		0	0	1,193
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	489,900	21,581	SH		SOLE		0	0	21,581
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	995,112	35,705	SH		SOLE		0	0	35,705
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	683,399	26,214	SH		SOLE		0	0	26,214
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	446,524	17,267	SH		SOLE		0	0	17,267
SCHWAB STRATEGIC TR	FUNDAMENTAL US L	808524771	837,633	35,373	SH		SOLE		0	0	35,373
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	385,160	14,098	SH		SOLE		0	0	14,098
SELECT MED HLDGS CORP	COM	81619Q105	474,888	25,193	SH		SOLE		0	0	25,193
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	240,432	1,748	SH		SOLE		0	0	1,748
SELECT SECTOR SPDR TR	ENERGY	81369Y506	471,442	5,504	SH		SOLE		0	0	5,504
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	445,765	1,917	SH		SOLE		0	0	1,917
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	547,310	7,231	SH		SOLE		0	0	7,231
SERVICENOW INC	COM	81762P102	391,184	369	SH		SOLE		0	0	369
SOUTHERN CO	COM	842587107	3,241,097	39,372	SH		SOLE		0	0	39,372
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	925,677	2,176	SH		SOLE		0	0	2,176
SPDR GOLD TR	GOLD SHS	78463V107	1,569,002	6,480	SH		SOLE		0	0	6,480
SPDR S&P 500 ETF TR	TR UNIT	78462F103	24,299,585	41,461	SH		SOLE		0	0	41,461
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	1,033,931	1,815	SH		SOLE		0	0	1,815
SPDR SER TR	PRTFLO S&P500 GW	78464A409	990,721	11,271	SH		SOLE		0	0	11,271
SPDR SER TR	S&P BK ETF	78464A797	218,207	3,934	SH		SOLE		0	0	3,934
SPDR SER TR	PORTFOLIO S&P400	78464A847	316,912	5,795	SH		SOLE		0	0	5,795
SPDR SER TR	PORTFOLIO S&P500	78464A854	600,808	8,715	SH		SOLE		0	0	8,715
SPDR SER TR	PRTFLO S&P500 HI	78468R788	434,349	10,045	SH		SOLE		0	0	10,045
SPDR SER TR	PORTFOLIO S&P600	78468R853	512,602	11,411	SH		SOLE		0	0	11,411
STARBUCKS CORP	COM	855244109	207,625	2,275	SH		SOLE		0	0	2,275
TARGET CORP	COM	87612E106	264,497	1,957	SH		SOLE		0	0	1,957
TESLA INC	COM	88160R101	806,468	1,997	SH		SOLE		0	0	1,997
TEXAS INSTRS INC	COM	882508104	419,085	2,235	SH		SOLE		0	0	2,235
TOLL BROTHERS INC	COM	889478103	289,160	2,296	SH		SOLE		0	0	2,296
TRANE TECHNOLOGIES PLC	SHS	G8994E103	682,189	1,847	SH		SOLE		0	0	1,847
TRAVELERS COMPANIES INC	COM	89417E109	236,072	980	SH		SOLE		0	0	980
UNITED PARCEL SERVICE INC	CL B	911312106	2,787,441	22,105	SH		SOLE		0	0	22,105
UNITEDHEALTH GROUP INC	COM	91324P102	1,053,801	2,083	SH		SOLE		0	0	2,083
VALERO ENERGY CORP	COM	91913Y100	373,777	3,049	SH		SOLE		0	0	3,049
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	779,539	8,407	SH		SOLE		0	0	8,407
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	1,842,539	7,608	SH		SOLE		0	0	7,608
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	534,548	5,041	SH		SOLE		0	0	5,041
VANGUARD BD INDEX FDS	LONG TERM BOND	921937793	3,512,490	51,330	SH		SOLE		0	0	51,330
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	4,480,746	59,959	SH		SOLE		0	0	59,959
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	8,334,156	107,858	SH		SOLE		0	0	107,858
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	907,105	12,614	SH		SOLE		0	0	12,614
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	8,770,064	178,798	SH		SOLE		0	0	178,798
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	4,300,813	7,982	SH		SOLE		0	0	7,982
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	469,945	1,852	SH		SOLE		0	0	1,852
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	578,732	6,497	SH		SOLE		0	0	6,497
VANGUARD INDEX FDS	MID CAP ETF	922908629	819,984	3,104	SH		SOLE		0	0	3,104
VANGUARD INDEX FDS	GROWTH ETF	922908736	23,840,172	58,084	SH		SOLE		0	0	58,084
VANGUARD INDEX FDS	VALUE ETF	922908744	17,027,258	100,574	SH		SOLE		0	0	100,574
VANGUARD INDEX FDS	SMALL CP ETF	922908751	6,365,552	26,492	SH		SOLE		0	0	26,492
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	922,577	3,183	SH		SOLE		0	0	3,183
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	7,860,714	178,490	SH		SOLE		0	0	178,490
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	6,838,816	141,239	SH		SOLE		0	0	141,239
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	246,589	4,919	SH		SOLE		0	0	4,919
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	1,158,071	14,845	SH		SOLE		0	0	14,845
VANGUARD SCOTTSDALE FDS	VNG RUS1000GRW	92206C680	704,609	6,821	SH		SOLE		0	0	6,821
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	3,904,711	86,121	SH		SOLE		0	0	86,121
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	623,246	7,764	SH		SOLE		0	0	7,764
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	1,109,076	5,663	SH		SOLE		0	0	5,663
VANGUARD STAR FDS	VG TL INTL STK F	921909768	321,110	5,449	SH		SOLE		0	0	5,449
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	21,635,533	452,437	SH		SOLE		0	0	452,437
VANGUARD WELLINGTON FD	US VALUE FACTR	921935805	1,530,741	12,931	SH		SOLE		0	0	12,931
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	4,656,591	36,497	SH		SOLE		0	0	36,497
VANGUARD WHITEHALL FDS	INTL HIGH ETF	921946794	456,221	6,721	SH		SOLE		0	0	6,721
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	357,155	4,465	SH		SOLE		0	0	4,465
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	1,897,955	5,527	SH		SOLE		0	0	5,527
VANGUARD WORLD FD	HEALTH CAR ETF	92204A504	284,587	1,122	SH		SOLE		0	0	1,122
VANGUARD WORLD FD	INF TECH ETF	92204A702	1,252,655	2,015	SH		SOLE		0	0	2,015
VANGUARD WORLD FD	UTILITIES ETF	92204A876	1,322,460	8,092	SH		SOLE		0	0	8,092
VERIZON COMMUNICATIONS INC	COM	92343V104	466,119	11,656	SH		SOLE		0	0	11,656
VERTIV HOLDINGS CO	COM CL A	92537N108	597,589	5,260	SH		SOLE		0	0	5,260
VICTORY PORTFOLIOS II	CORE INTERMEDIAT	92647N527	541,799	11,788	SH		SOLE		0	0	11,788
VICTORY PORTFOLIOS II	VICTORYSHS US	92647N691	1,372,226	28,570	SH		SOLE		0	0	28,570
VISA INC	COM CL A	92826C839	2,065,857	6,537	SH		SOLE		0	0	6,537
WALMART INC	COM	931142103	711,850	7,879	SH		SOLE		0	0	7,879
WELLS FARGO CO NEW	COM	949746101	210,088	2,991	SH		SOLE		0	0	2,991
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	514,198	10,511	SH		SOLE		0	0	10,511
WISDOMTREE TR	EUROPE SMCP DV	97717W869	430,404	7,607	SH		SOLE		0	0	7,607
WORLD GOLD TR	SPDR GLD MINIS	98149E303	524,059	10,080	SH		SOLE		0	0	10,080
WP CAREY INC	COM	92936U109	245,814	4,512	SH		SOLE		0	0	4,512