Breakwater Capital 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

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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ABBOTT LABS	COM	002824100	308,701	2,716	SH		SOLE		0	0	2,716
ABBVIE INC	COM	00287Y109	818,357	4,494	SH		SOLE		0	0	4,494
ACADEMY SPORTS & OUTDOORS IN	COM	00402L107	266,783	3,950	SH		SOLE		0	0	3,950
ADOBE INC	COM	00724F101	266,933	529	SH		SOLE		0	0	529
AES CORP	COM	00130H105	181,936	10,147	SH		SOLE		0	0	10,147
ALLEGION PLC	ORD SHS	G0176J109	351,728	2,611	SH		SOLE		0	0	2,611
ALPHABET INC	CAP STK CL A	02079K305	1,114,618	7,385	SH		SOLE		0	0	7,385
ALPHABET INC	CAP STK CL C	02079K107	1,644,283	10,799	SH		SOLE		0	0	10,799
AMAZON COM INC	COM	023135106	4,014,718	22,257	SH		SOLE		0	0	22,257
AMERICAN CENTY ETF TR	EMERGING MKT VAL	025072372	599,720	12,655	SH		SOLE		0	0	12,655
AMERICAN EXPRESS CO	COM	025816109	844,275	3,708	SH		SOLE		0	0	3,708
APPLE INC	COM	037833100	13,209,013	77,029	SH		SOLE		0	0	77,029
APPLIED MATLS INC	COM	038222105	298,002	1,445	SH		SOLE		0	0	1,445
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	345,487	356	SH		SOLE		0	0	356
AT&T INC	COM	00206R102	588,395	33,432	SH		SOLE		0	0	33,432
BANK AMERICA CORP	COM	060505104	1,216,322	32,076	SH		SOLE		0	0	32,076
BECTON DICKINSON & CO	COM	075887109	335,047	1,354	SH		SOLE		0	0	1,354
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,584,949	6,147	SH		SOLE		0	0	6,147
BHP GROUP LTD	SPONSORED ADS	088606108	458,751	7,952	SH		SOLE		0	0	7,952
BLACKROCK MUNIHLDGS NJ QLTY	COM	09254X101	767,045	65,954	SH		SOLE		0	0	65,954
BLACKROCK MUNIYIELD N Y QUAL	COM	09255E102	270,290	25,693	SH		SOLE		0	0	25,693
BOEING CO	COM	097023105	562,373	2,914	SH		SOLE		0	0	2,914
BOSTON SCIENTIFIC CORP	COM	101137107	499,224	7,289	SH		SOLE		0	0	7,289
BROADCOM INC	COM	11135F101	327,376	247	SH		SOLE		0	0	247
CAMBRIA ETF TR	SHSHLD YIELD ETF	132061201	7,398,089	100,970	SH		SOLE		0	0	100,970
CAPITAL GRP FIXED INCM ETF T	CORE PLUS INCM	14020Y102	293,754	13,079	SH		SOLE		0	0	13,079
CATERPILLAR INC	COM	149123101	637,955	1,741	SH		SOLE		0	0	1,741
CHEVRON CORP NEW	COM	166764100	427,160	2,708	SH		SOLE		0	0	2,708
CHUBB LIMITED	COM	H1467J104	267,681	1,033	SH		SOLE		0	0	1,033
CISCO SYS INC	COM	17275R102	435,315	8,722	SH		SOLE		0	0	8,722
CITIGROUP INC	COM NEW	172967424	761,100	12,035	SH		SOLE		0	0	12,035
CNH INDL N V	SHS	N20944109	161,093	12,430	SH		SOLE		0	0	12,430
COCA COLA CO	COM	191216100	506,387	8,277	SH		SOLE		0	0	8,277
COHEN & STEERS QUALITY INCOM	COM	19247L106	200,057	16,561	SH		SOLE		0	0	16,561
COLUMBIA ETF TR II	EM CORE EX ETF	19762B202	5,503,176	176,951	SH		SOLE		0	0	176,951
COMCAST CORP NEW	CL A	20030N101	841,556	19,413	SH		SOLE		0	0	19,413
CONOCOPHILLIPS	COM	20825C104	519,302	4,080	SH		SOLE		0	0	4,080
CONSOLIDATED EDISON INC	COM	209115104	536,545	5,908	SH		SOLE		0	0	5,908
CONSTELLATION ENERGY CORP	COM	21037T109	206,108	1,115	SH		SOLE		0	0	1,115
COSTCO WHSL CORP NEW	COM	22160K105	730,447	997	SH		SOLE		0	0	997
CUMMINS INC	COM	231021106	299,364	1,016	SH		SOLE		0	0	1,016
CVS HEALTH CORP	COM	126650100	590,304	7,401	SH		SOLE		0	0	7,401
DANAHER CORPORATION	COM	235851102	587,591	2,353	SH		SOLE		0	0	2,353
DEERE & CO	COM	244199105	934,129	2,274	SH		SOLE		0	0	2,274
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	3,364,477	129,602	SH		SOLE		0	0	129,602
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	1,588,087	64,243	SH		SOLE		0	0	64,243
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	2,086,628	56,779	SH		SOLE		0	0	56,779
DIMENSIONAL ETF TRUST	INTL HIGH PROFIT	25434V765	1,765,378	65,530	SH		SOLE		0	0	65,530
DIMENSIONAL ETF TRUST	NATL MUN BD ETF	25434V849	259,013	5,386	SH		SOLE		0	0	5,386
DISNEY WALT CO	COM	254687106	1,172,133	9,579	SH		SOLE		0	0	9,579
DOW INC	COM	260557103	259,237	4,475	SH		SOLE		0	0	4,475
DUKE ENERGY CORP NEW	COM NEW	26441C204	281,620	2,912	SH		SOLE		0	0	2,912
EATON CORP PLC	SHS	G29183103	731,671	2,340	SH		SOLE		0	0	2,340
ELI LILLY & CO	COM	532457108	2,275,533	2,925	SH		SOLE		0	0	2,925
ENTERPRISE PRODS PARTNERS L	COM	293792107	223,169	7,648	SH		SOLE		0	0	7,648
EOG RES INC	COM	26875P101	261,177	2,043	SH		SOLE		0	0	2,043
EXXON MOBIL CORP	COM	30231G102	2,550,538	21,942	SH		SOLE		0	0	21,942
FEDEX CORP	COM	31428X106	268,010	925	SH		SOLE		0	0	925
FIDELITY COVINGTON TRUST	ENHANCED INTL	31609A404	346,696	12,143	SH		SOLE		0	0	12,143
FIDELITY COVINGTON TRUST	ENHANCED MID	31609A503	366,907	12,014	SH		SOLE		0	0	12,014
FIDELITY COVINGTON TRUST	HIGH YILD ETF	316092618	317,520	6,615	SH		SOLE		0	0	6,615
FIDELITY COVINGTON TRUST	MSCI FINLS IDX	316092501	335,610	5,650	SH		SOLE		0	0	5,650
FIDELITY MERRIMACK STR TR	TOTAL BD ETF	316188309	649,111	14,326	SH		SOLE		0	0	14,326
FIFTH THIRD BANCORP	COM	316773100	326,606	8,777	SH		SOLE		0	0	8,777
FIRSTENERGY CORP	COM	337932107	252,111	6,528	SH		SOLE		0	0	6,528
FREEPORT-MCMORAN INC	CL B	35671D857	512,565	10,901	SH		SOLE		0	0	10,901
GATX CORP	COM	361448103	201,045	1,500	SH		SOLE		0	0	1,500
GENERAL DYNAMICS CORP	COM	369550108	237,292	840	SH		SOLE		0	0	840
GENERAL ELECTRIC CO	COM NEW	369604301	1,051,600	5,991	SH		SOLE		0	0	5,991
GLOBAL X FDS	US PFD ETF	37954Y657	229,098	11,364	SH		SOLE		0	0	11,364
GOLDMAN SACHS GROUP INC	COM	38141G104	362,973	869	SH		SOLE		0	0	869
HESS CORP	COM	42809H107	248,651	1,629	SH		SOLE		0	0	1,629
HOME DEPOT INC	COM	437076102	1,784,891	4,653	SH		SOLE		0	0	4,653
HONEYWELL INTL INC	COM	438516106	954,823	4,652	SH		SOLE		0	0	4,652
INGERSOLL RAND INC	COM	45687V106	1,551,103	16,336	SH		SOLE		0	0	16,336
INTEL CORP	COM	458140100	593,115	13,428	SH		SOLE		0	0	13,428
INTERNATIONAL BUSINESS MACHS	COM	459200101	507,763	2,659	SH		SOLE		0	0	2,659
INTUIT	COM	461202103	733,200	1,128	SH		SOLE		0	0	1,128
INVESCO EXCH TRADED FD TR II	FNDMNTL IG CRP	46138E693	518,731	22,116	SH		SOLE		0	0	22,116
INVESCO EXCH TRADED FD TR II	FTSE RAFI DEV	46138E743	3,403,706	68,554	SH		SOLE		0	0	68,554
INVESCO EXCH TRADED FD TR II	S&P INTL QULTY	46138E214	2,066,085	67,365	SH		SOLE		0	0	67,365
INVESCO EXCH TRADED FD TR II	S&P SMLCAP QTY	46138G300	5,701,192	138,446	SH		SOLE		0	0	138,446
INVESCO EXCHANGE TRADED FD T	BUYBACK ACHIEV	46137V308	1,524,140	14,082	SH		SOLE		0	0	14,082
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	14,344,238	372,868	SH		SOLE		0	0	372,868
INVESCO EXCHANGE TRADED FD T	INTL DIVI ACHI	46137V548	924,534	49,867	SH		SOLE		0	0	49,867
INVESCO EXCHANGE TRADED FD T	S&P 500 GARP ETF	46137V431	4,984,925	46,811	SH		SOLE		0	0	46,811
INVESCO EXCHANGE TRADED FD T	S&P MDCP QUALITY	46137V472	815,140	7,407	SH		SOLE		0	0	7,407
INVESCO EXCHANGE TRADED FD T	S&P MDCP VLU MNT	46137V456	754,064	13,887	SH		SOLE		0	0	13,887
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	14,142,769	83,502	SH		SOLE		0	0	83,502
INVESCO EXCHANGE TRADED FD T	S&P500 PUR VAL	46137V258	1,696,738	19,185	SH		SOLE		0	0	19,185
INVESCO EXCHANGE TRADED FD T	S&P500 QUALITY	46137V241	452,667	7,492	SH		SOLE		0	0	7,492
INVESCO QQQ TR	UNIT SER 1	46090E103	1,059,852	2,387	SH		SOLE		0	0	2,387
ISHARES INC	CORE MSCI EMKT	46434G103	239,166	4,635	SH		SOLE		0	0	4,635
ISHARES INC	MSCI EMRG CHN	46434G764	722,388	12,548	SH		SOLE		0	0	12,548
ISHARES INC	MSCI JPN ETF NEW	46434G822	401,415	5,626	SH		SOLE		0	0	5,626
ISHARES TR	0-5 YR TIPS ETF	46429B747	2,175,330	21,878	SH		SOLE		0	0	21,878
ISHARES TR	CORE DIV GRWTH	46434V621	444,117	7,649	SH		SOLE		0	0	7,649
ISHARES TR	CORE DIVID ETF	46435U861	1,777,108	39,935	SH		SOLE		0	0	39,935
ISHARES TR	CORE MSCI EAFE	46432F842	834,455	11,243	SH		SOLE		0	0	11,243
ISHARES TR	CORE MSCI TOTAL	46432F834	629,809	9,281	SH		SOLE		0	0	9,281
ISHARES TR	CORE S&P MCP ETF	464287507	3,814,312	62,797	SH		SOLE		0	0	62,797
ISHARES TR	CORE S&P SCP ETF	464287804	2,605,624	23,576	SH		SOLE		0	0	23,576
ISHARES TR	CORE S&P US VLU	464287663	4,553,021	50,343	SH		SOLE		0	0	50,343
ISHARES TR	CORE S&P500 ETF	464287200	10,079,206	19,172	SH		SOLE		0	0	19,172
ISHARES TR	EAFE GRWTH ETF	464288885	3,236,172	31,180	SH		SOLE		0	0	31,180
ISHARES TR	EAFE SML CP ETF	464288273	1,002,134	15,824	SH		SOLE		0	0	15,824
ISHARES TR	EAFE VALUE ETF	464288877	1,234,826	22,699	SH		SOLE		0	0	22,699
ISHARES TR	FALN ANGLS USD	46435G474	5,779,439	215,169	SH		SOLE		0	0	215,169
ISHARES TR	FLTG RATE NT ETF	46429B655	724,490	14,189	SH		SOLE		0	0	14,189
ISHARES TR	IBOXX INV CP ETF	464287242	446,899	4,103	SH		SOLE		0	0	4,103
ISHARES TR	INTERNATIONAL SL	46434V266	233,004	7,065	SH		SOLE		0	0	7,065
ISHARES TR	ISHS 5-10YR INVT	464288638	5,238,484	101,521	SH		SOLE		0	0	101,521
ISHARES TR	MBS ETF	464288588	450,455	4,874	SH		SOLE		0	0	4,874
ISHARES TR	MRGSTR SM CP GR	464288604	375,727	8,068	SH		SOLE		0	0	8,068
ISHARES TR	MSCI EAFE ETF	464287465	885,967	11,094	SH		SOLE		0	0	11,094
ISHARES TR	MSCI EAFE MIN VL	46429B689	1,396,123	19,697	SH		SOLE		0	0	19,697
ISHARES TR	MSCI INTL QUALTY	46434V456	5,913,266	149,099	SH		SOLE		0	0	149,099
ISHARES TR	MSCI USA QLT FCT	46432F339	4,026,411	24,499	SH		SOLE		0	0	24,499
ISHARES TR	NATIONAL MUN ETF	464288414	2,971,159	27,613	SH		SOLE		0	0	27,613
ISHARES TR	NEW YORK MUN ETF	464288323	615,156	11,432	SH		SOLE		0	0	11,432
ISHARES TR	RUS 1000 ETF	464287622	3,966,173	13,770	SH		SOLE		0	0	13,770
ISHARES TR	RUS 1000 GRW ETF	464287614	10,271,262	30,474	SH		SOLE		0	0	30,474
ISHARES TR	RUS 1000 VAL ETF	464287598	11,053,342	61,713	SH		SOLE		0	0	61,713
ISHARES TR	RUS MD CP GR ETF	464287481	247,227	2,166	SH		SOLE		0	0	2,166
ISHARES TR	RUS MDCP VAL ETF	464287473	343,655	2,742	SH		SOLE		0	0	2,742
ISHARES TR	RUS MID CAP ETF	464287499	812,814	9,666	SH		SOLE		0	0	9,666
ISHARES TR	RUSSELL 2000 ETF	464287655	417,656	1,986	SH		SOLE		0	0	1,986
ISHARES TR	S&P 500 GRWT ETF	464287309	2,107,561	24,959	SH		SOLE		0	0	24,959
ISHARES TR	S&P 500 VAL ETF	464287408	275,732	1,476	SH		SOLE		0	0	1,476
ISHARES TR	S&P MC 400GR ETF	464287606	904,653	9,914	SH		SOLE		0	0	9,914
ISHARES TR	S&P MC 400VL ETF	464287705	1,900,329	16,065	SH		SOLE		0	0	16,065
ISHARES TR	S&P SML 600 GWT	464287887	348,395	2,665	SH		SOLE		0	0	2,665
ISHARES TR	SELECT DIVID ETF	464287168	385,677	3,131	SH		SOLE		0	0	3,131
ISHARES TR	SP SMCP600VL ETF	464287879	488,352	4,752	SH		SOLE		0	0	4,752
ISHARES TR	US REGNL BKS ETF	464288778	244,099	5,627	SH		SOLE		0	0	5,627
J P MORGAN EXCHANGE TRADED F	HEDGED EQUITY LA	46654Q724	491,361	8,779	SH		SOLE		0	0	8,779
J P MORGAN EXCHANGE TRADED F	MKT EXPN ENHNCD	46641Q118	220,073	3,760	SH		SOLE		0	0	3,760
J P MORGAN EXCHANGE TRADED F	US QUALTY FCTR	46641Q761	13,002,067	245,925	SH		SOLE		0	0	245,925
JANUS DETROIT STR TR	HENDERSN SML ETF	47103U209	2,178,637	31,159	SH		SOLE		0	0	31,159
JANUS DETROIT STR TR	HENDERSON MTG	47103U852	976,505	21,652	SH		SOLE		0	0	21,652
JOHNSON & JOHNSON	COM	478160104	1,236,729	7,818	SH		SOLE		0	0	7,818
JPMORGAN CHASE & CO	COM	46625H100	1,902,464	9,498	SH		SOLE		0	0	9,498
LAM RESEARCH CORP	COM	512807108	253,580	261	SH		SOLE		0	0	261
LINDE PLC	SHS	G54950103	237,732	512	SH		SOLE		0	0	512
LLOYDS BANKING GROUP PLC	SPONSORED ADR	539439109	38,148	14,729	SH		SOLE		0	0	14,729
LOCKHEED MARTIN CORP	COM	539830109	509,909	1,121	SH		SOLE		0	0	1,121
LOWES COS INC	COM	548661107	1,215,317	4,771	SH		SOLE		0	0	4,771
M & T BK CORP	COM	55261F104	240,121	1,651	SH		SOLE		0	0	1,651
MARSH & MCLENNAN COS INC	COM	571748102	296,199	1,438	SH		SOLE		0	0	1,438
MARVELL TECHNOLOGY INC	COM	573874104	528,694	7,459	SH		SOLE		0	0	7,459
MASTERCARD INCORPORATED	CL A	57636Q104	482,535	1,002	SH		SOLE		0	0	1,002
MCDONALDS CORP	COM	580135101	342,005	1,213	SH		SOLE		0	0	1,213
MERCK & CO INC	COM	58933Y105	2,013,161	15,257	SH		SOLE		0	0	15,257
META PLATFORMS INC	CL A	30303M102	1,276,590	2,629	SH		SOLE		0	0	2,629
MICRON TECHNOLOGY INC	COM	595112103	229,886	1,950	SH		SOLE		0	0	1,950
MICROSOFT CORP	COM	594918104	7,458,103	17,727	SH		SOLE		0	0	17,727
MONDELEZ INTL INC	CL A	609207105	545,230	7,789	SH		SOLE		0	0	7,789
MORGAN STANLEY	COM NEW	617446448	719,477	7,641	SH		SOLE		0	0	7,641
NETFLIX INC	COM	64110L106	304,896	502	SH		SOLE		0	0	502
NEXTERA ENERGY INC	COM	65339F101	476,513	7,456	SH		SOLE		0	0	7,456
NIKE INC	CL B	654106103	411,453	4,378	SH		SOLE		0	0	4,378
NORFOLK SOUTHN CORP	COM	655844108	554,852	2,177	SH		SOLE		0	0	2,177
NOVO-NORDISK A S	ADR	670100205	335,509	2,613	SH		SOLE		0	0	2,613
NUVEEN AMT FREE QLTY MUN INC	COM	670657105	527,541	47,655	SH		SOLE		0	0	47,655
NUVEEN AMT-FREE MUN VALUE FD	COM	670695105	317,426	23,513	SH		SOLE		0	0	23,513
NUVEEN MUN VALUE FD INC	COM	670928100	1,440,712	165,409	SH		SOLE		0	0	165,409
NUVEEN N Y MUN VALUE FD	COM	67062M105	990,604	119,063	SH		SOLE		0	0	119,063
NUVEEN N Y SELECT TAX FREE I	SH BEN INT	67063V104	277,684	23,856	SH		SOLE		0	0	23,856
NUVEEN NEW JERSEY QULT MUN F	COM	67069Y102	512,002	42,384	SH		SOLE		0	0	42,384
NUVEEN SELECT TAX-FREE INCOM	SH BEN INT	67062F100	225,755	15,634	SH		SOLE		0	0	15,634
NVIDIA CORPORATION	COM	67066G104	3,080,674	3,409	SH		SOLE		0	0	3,409
ORACLE CORP	COM	68389X105	3,015,268	24,005	SH		SOLE		0	0	24,005
PACER FDS TR	PACER US SMALL	69374H857	926,519	18,847	SH		SOLE		0	0	18,847
PACER FDS TR	US CASH COWS 100	69374H881	423,571	7,289	SH		SOLE		0	0	7,289
PEPSICO INC	COM	713448108	796,655	4,552	SH		SOLE		0	0	4,552
PFIZER INC	COM	717081103	1,284,159	46,276	SH		SOLE		0	0	46,276
PGIM ETF TR	PGIM ULTRA SH BD	69344A107	610,117	12,276	SH		SOLE		0	0	12,276
PHILLIPS 66	COM	718546104	265,264	1,624	SH		SOLE		0	0	1,624
PIMCO ETF TR	INTER MUN BD ACT	72201R866	569,877	10,861	SH		SOLE		0	0	10,861
PNC FINL SVCS GROUP INC	COM	693475105	640,421	3,963	SH		SOLE		0	0	3,963
PROCTER AND GAMBLE CO	COM	742718109	906,491	5,587	SH		SOLE		0	0	5,587
PROSHARES TR	S&P 500 DV ARIST	74348A467	2,719,512	26,817	SH		SOLE		0	0	26,817
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	313,799	4,699	SH		SOLE		0	0	4,699
QUALCOMM INC	COM	747525103	769,469	4,545	SH		SOLE		0	0	4,545
RIO TINTO PLC	SPONSORED ADR	767204100	291,228	4,569	SH		SOLE		0	0	4,569
RTX CORPORATION	COM	75513E101	386,804	3,966	SH		SOLE		0	0	3,966
SAFEHOLD INC	COM	78646V107	225,103	10,927	SH		SOLE		0	0	10,927
SALESFORCE INC	COM	79466L302	237,631	789	SH		SOLE		0	0	789
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	3,840,975	108,288	SH		SOLE		0	0	108,288
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	620,367	7,694	SH		SOLE		0	0	7,694
SEALED AIR CORP NEW	COM	81211K100	1,685,904	45,320	SH		SOLE		0	0	45,320
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	844,819	20,057	SH		SOLE		0	0	20,057
SELECT SECTOR SPDR TR	INDL	81369Y704	408,866	3,246	SH		SOLE		0	0	3,246
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	254,126	3,328	SH		SOLE		0	0	3,328
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	222,925	1,509	SH		SOLE		0	0	1,509
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	657,300	3,156	SH		SOLE		0	0	3,156
SHELL PLC	SPON ADS	780259305	211,913	3,161	SH		SOLE		0	0	3,161
SHOPIFY INC	CL A	82509L107	293,246	3,800	SH		SOLE		0	0	3,800
SIMON PPTY GROUP INC NEW	COM	828806109	215,330	1,376	SH		SOLE		0	0	1,376
SNOWFLAKE INC	CL A	833445109	348,086	2,154	SH		SOLE		0	0	2,154
SOUTHERN CO	COM	842587107	404,912	5,644	SH		SOLE		0	0	5,644
SPDR S&P 500 ETF TR	TR UNIT	78462F103	2,904,551	5,553	SH		SOLE		0	0	5,553
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	3,358,987	6,037	SH		SOLE		0	0	6,037
SPDR SER TR	BBG CONV SEC ETF	78464A359	239,571	3,280	SH		SOLE		0	0	3,280
SPDR SER TR	NUVEEN BLOOMBERG	78464A284	1,126,584	43,853	SH		SOLE		0	0	43,853
SPDR SER TR	PORTFOLIO CRPORT	78464A144	2,096,677	72,026	SH		SOLE		0	0	72,026
SPDR SER TR	PORTFOLIO INTRMD	78464A375	2,313,831	70,781	SH		SOLE		0	0	70,781
SPDR SER TR	PORTFOLIO S&P600	78468R853	3,045,215	70,753	SH		SOLE		0	0	70,753
SPDR SER TR	PORTFOLIO SHORT	78464A474	332,471	11,168	SH		SOLE		0	0	11,168
SPDR SER TR	PRTFLO S&P500 GW	78464A409	5,565,065	76,077	SH		SOLE		0	0	76,077
SPDR SER TR	PRTFLO S&P500 VL	78464A508	2,905,650	57,997	SH		SOLE		0	0	57,997
SPDR SER TR	S&P BIOTECH	78464A870	210,086	2,214	SH		SOLE		0	0	2,214
STRYKER CORPORATION	COM	863667101	600,148	1,677	SH		SOLE		0	0	1,677
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	299,038	2,198	SH		SOLE		0	0	2,198
TEMPLETON EMERGING MKTS INCO	COM	880192109	76,020	14,000	SH		SOLE		0	0	14,000
TESLA INC	COM	88160R101	365,995	2,082	SH		SOLE		0	0	2,082
THE CIGNA GROUP	COM	125523100	429,654	1,183	SH		SOLE		0	0	1,183
THERMO FISHER SCIENTIFIC INC	COM	883556102	313,272	539	SH		SOLE		0	0	539
TJX COS INC NEW	COM	872540109	748,784	7,383	SH		SOLE		0	0	7,383
TORONTO DOMINION BK ONT	COM NEW	891160509	257,702	4,268	SH		SOLE		0	0	4,268
TRANE TECHNOLOGIES PLC	SHS	G8994E103	3,843,160	12,802	SH		SOLE		0	0	12,802
UNILEVER PLC	SPON ADR NEW	904767704	354,592	7,065	SH		SOLE		0	0	7,065
UNION PAC CORP	COM	907818108	210,762	857	SH		SOLE		0	0	857
UNITED PARCEL SERVICE INC	CL B	911312106	535,811	3,605	SH		SOLE		0	0	3,605
UNITEDHEALTH GROUP INC	COM	91324P102	1,210,036	2,446	SH		SOLE		0	0	2,446
VANECK ETF TRUST	FALLEN ANGEL HG	92189F437	656,955	22,638	SH		SOLE		0	0	22,638
VANECK ETF TRUST	IG FLOATING RATE	92189F486	300,227	11,769	SH		SOLE		0	0	11,769
VANECK ETF TRUST	SHRT HGH YLD MUN	92189F387	1,727,542	77,088	SH		SOLE		0	0	77,088
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	1,205,313	11,875	SH		SOLE		0	0	11,875
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	2,201,755	29,201	SH		SOLE		0	0	29,201
VANGUARD INDEX FDS	GROWTH ETF	922908736	980,626	2,849	SH		SOLE		0	0	2,849
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	648,804	2,706	SH		SOLE		0	0	2,706
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	289,525	1,857	SH		SOLE		0	0	1,857
VANGUARD INDEX FDS	MID CAP ETF	922908629	686,374	2,747	SH		SOLE		0	0	2,747
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	5,943,189	12,364	SH		SOLE		0	0	12,364
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,519,306	7,918	SH		SOLE		0	0	7,918
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	962,410	3,703	SH		SOLE		0	0	3,703
VANGUARD INDEX FDS	VALUE ETF	922908744	12,615,999	77,465	SH		SOLE		0	0	77,465
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	524,818	4,492	SH		SOLE		0	0	4,492
VANGUARD MALVERN FDS	CORE-PLUS BD ETF	922020755	824,893	10,752	SH		SOLE		0	0	10,752
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	1,960,617	40,940	SH		SOLE		0	0	40,940
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	2,386,397	47,162	SH		SOLE		0	0	47,162
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	3,761,588	46,722	SH		SOLE		0	0	46,722
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	468,681	2,567	SH		SOLE		0	0	2,567
VANGUARD STAR FDS	VG TL INTL STK F	921909768	335,509	5,564	SH		SOLE		0	0	5,564
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,295,038	25,813	SH		SOLE		0	0	25,813
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	1,971,237	24,178	SH		SOLE		0	0	24,178
VANGUARD WORLD FD	FINANCIALS ETF	92204A405	274,098	2,677	SH		SOLE		0	0	2,677
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	4,050,791	33,895	SH		SOLE		0	0	33,895
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	2,418,134	8,437	SH		SOLE		0	0	8,437
VERTEX PHARMACEUTICALS INC	COM	92532F100	666,308	1,594	SH		SOLE		0	0	1,594
VISA INC	COM CL A	92826C839	867,102	3,107	SH		SOLE		0	0	3,107
WALMART INC	COM	931142103	794,781	13,209	SH		SOLE		0	0	13,209
WASTE MGMT INC DEL	COM	94106L109	225,300	1,057	SH		SOLE		0	0	1,057
WATSCO INC	COM	942622200	212,097	491	SH		SOLE		0	0	491
WELLS FARGO CO NEW	COM	949746101	979,872	16,906	SH		SOLE		0	0	16,906
WISDOMTREE TR	GLB US QTLY DIV	97717W844	3,077,265	79,127	SH		SOLE		0	0	79,127
WISDOMTREE TR	ITL HIGH DIV FD	97717W802	1,490,365	37,607	SH		SOLE		0	0	37,607
WISDOMTREE TR	US MIDCAP FUND	97717W570	4,271,186	69,996	SH		SOLE		0	0	69,996
XYLEM INC	COM	98419M100	208,852	1,616	SH		SOLE		0	0	1,616