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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   383,034 2,472 SH   SOLE 0 0 0 2,472
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   1,018,505 51,596 SH   SOLE 0 0 0 51,596
ALPHABET INC CAP STK CL C 02079K107   222,388 1,578 SH   SOLE 0 0 0 1,578
ALTRIA GROUP INC COM 02209S103   872,946 21,640 SH   SOLE 0 0 0 21,640
AMAZON COM INC COM 023135106   413,581 2,722 SH   SOLE 0 0 0 2,722
AMGEN INC COM 031162100   288,020 1,000 SH   SOLE 0 0 0 1,000
APPLE INC COM 037833100   321,779 1,671 SH   SOLE 0 0 0 1,671
ARCHER DANIELS MIDLAND CO COM 039483102   454,511 6,293 SH   SOLE 0 0 0 6,293
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   272,845 765 SH   SOLE 0 0 0 765
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   214,638 7,328 SH   SOLE 0 0 0 7,328
COLGATE PALMOLIVE CO COM 194162103   846,321 10,618 SH   SOLE 0 0 0 10,618
COMCAST CORP NEW CL A 20030N101   207,474 4,731 SH   SOLE 0 0 0 4,731
COSTCO WHSL CORP NEW COM 22160K105   378,677 574 SH   SOLE 0 0 0 574
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201   1,528,210 25,297 SH   SOLE 0 0 0 25,297
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707   1,321,523 23,063 SH   SOLE 0 0 0 23,063
EXXON MOBIL CORP COM 30231G102   679,658 6,798 SH   SOLE 0 0 0 6,798
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   537,648 6,133 SH   SOLE 0 0 0 6,133
FLEXSHARES TR IBOXX 3R TARGT 33939L506   2,586,124 109,489 SH   SOLE 0 0 0 109,489
GLOBAL MED REIT INC COM NEW 37954A204   121,844 10,977 SH   SOLE 0 0 0 10,977
GRANITESHARES GOLD TR SHS BEN INT 38748G101   6,303,181 309,131 SH   SOLE 0 0 0 309,131
HORIZON TECHNOLOGY FIN CORP COM 44045A102   627,520 47,648 SH   SOLE 0 0 0 47,648
INTEL CORP COM 458140100   549,291 10,931 SH   SOLE 0 0 0 10,931
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   647,910 12,989 SH   SOLE 0 0 0 12,989
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   208,993 3,335 SH   SOLE 0 0 0 3,335
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   459,853 8,945 SH   SOLE 0 0 0 8,945
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   3,489,546 170,596 SH   SOLE 0 0 0 170,596
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   1,242,311 64,368 SH   SOLE 0 0 0 64,368
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   1,508,856 72,246 SH   SOLE 0 0 0 72,246
INVESCO QQQ TR UNIT SER 1 46090E103   1,188,357 2,902 SH   SOLE 0 0 0 2,902
ISHARES GOLD TR ISHARES NEW 464285204   1,340,105 34,335 SH   SOLE 0 0 0 34,335
ISHARES INC CORE MSCI EMKT 46434G103   347,460 6,870 SH   SOLE 0 0 0 6,870
ISHARES TR CORE MSCI EAFE 46432F842   798,663 11,353 SH   SOLE 0 0 0 11,353
ISHARES TR CORE TOTAL USD 46434V613   908,376 19,717 SH   SOLE 0 0 0 19,717
ISHARES TR PFD AND INCM SEC 464288687   318,468 10,211 SH   SOLE 0 0 0 10,211
ISHARES TR 3 7 YR TREAS BD 464288661   3,745,347 31,976 SH   SOLE 0 0 0 31,976
ISHARES TR FLTG RATE NT ETF 46429B655   3,380,767 66,787 SH   SOLE 0 0 0 66,787
ISHARES TR MSCI USA MIN VOL 46429B697   5,391,425 69,094 SH   SOLE 0 0 0 69,094
ISHARES TR CORE S&P MCP ETF 464287507   11,493,788 41,471 SH   SOLE 0 0 0 41,471
ISHARES TR CORE S&P SCP ETF 464287804   4,685,224 43,282 SH   SOLE 0 0 0 43,282
ISHARES TR CORE S&P500 ETF 464287200   29,735,150 62,256 SH   SOLE 0 0 0 62,256
ISHARES TR 1 3 YR TREAS BD 464287457   653,232 7,962 SH   SOLE 0 0 0 7,962
ISHARES TR 7-10 YR TRSY BD 464287440   2,144,767 22,251 SH   SOLE 0 0 0 22,251
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   524,426 10,381 SH   SOLE 0 0 0 10,381
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   531,825 10,588 SH   SOLE 0 0 0 10,588
JOHNSON & JOHNSON COM 478160104   290,097 1,851 SH   SOLE 0 0 0 1,851
JPMORGAN CHASE & CO COM 46625H100   206,874 1,216 SH   SOLE 0 0 0 1,216
KRAFT HEINZ CO COM 500754106   355,897 9,624 SH   SOLE 0 0 0 9,624
MCDONALDS CORP COM 580135101   785,133 2,648 SH   SOLE 0 0 0 2,648
MERCK & CO INC COM 58933Y105   409,936 3,760 SH   SOLE 0 0 0 3,760
MICROSOFT CORP COM 594918104   640,451 1,703 SH   SOLE 0 0 0 1,703
NVIDIA CORPORATION COM 67066G104   761,602 1,538 SH   SOLE 0 0 0 1,538
OCCIDENTAL PETE CORP COM 674599105   215,740 3,613 SH   SOLE 0 0 0 3,613
OREILLY AUTOMOTIVE INC COM 67103H107   770,515 811 SH   SOLE 0 0 0 811
PEPSICO INC COM 713448108   599,064 3,527 SH   SOLE 0 0 0 3,527
PHILIP MORRIS INTL INC COM 718172109   484,341 5,148 SH   SOLE 0 0 0 5,148
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   4,269,140 42,781 SH   SOLE 0 0 0 42,781
PIONEER NAT RES CO COM 723787107   202,556 901 SH   SOLE 0 0 0 901
PROCTER AND GAMBLE CO COM 742718109   321,466 2,194 SH   SOLE 0 0 0 2,194
REPUBLIC SVCS INC COM 760759100   277,751 1,684 SH   SOLE 0 0 0 1,684
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   631,813 17,095 SH   SOLE 0 0 0 17,095
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,142,116 108,903 SH   SOLE 0 0 0 108,903
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   533,637 11,296 SH   SOLE 0 0 0 11,296
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   706,428 10,077 SH   SOLE 0 0 0 10,077
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   220,305 8,887 SH   SOLE 0 0 0 8,887
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,388,721 90,582 SH   SOLE 0 0 0 90,582
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   929,757 18,700 SH   SOLE 0 0 0 18,700
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   4,281,635 91,841 SH   SOLE 0 0 0 91,841
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,868,463 24,807 SH   SOLE 0 0 0 24,807
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   643,689 8,455 SH   SOLE 0 0 0 8,455
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,285,256 15,330 SH   SOLE 0 0 0 15,330
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   426,503 5,921 SH   SOLE 0 0 0 5,921
SHELL PLC SPON ADS 780259305   773,907 11,762 SH   SOLE 0 0 0 11,762
SPDR GOLD TR GOLD SHS 78463V107   267,638 1,400 SH   SOLE 0 0 0 1,400
SPDR SER TR PORTFOLIO S&P500 78464A854   795,790 14,236 SH   SOLE 0 0 0 14,236
SPDR SER TR PORTFOLIO S&P400 78464A847   299,946 6,157 SH   SOLE 0 0 0 6,157
SPDR SER TR BLOOMBERG SHT TE 78468R408   340,092 13,528 SH   SOLE 0 0 0 13,528
SPDR SER TR AEROSPACE DEF 78464A631   608,092 4,490 SH   SOLE 0 0 0 4,490
SPDR SER TR PORTFOLIO S&P600 78468R853   263,192 6,240 SH   SOLE 0 0 0 6,240
TARGET CORP COM 87612E106   205,872 1,446 SH   SOLE 0 0 0 1,446
TESLA INC COM 88160R101   608,279 2,448 SH   SOLE 0 0 0 2,448
UMB FINL CORP COM 902788108   251,424 3,009 SH   SOLE 0 0 0 3,009
UNION PAC CORP COM 907818108   237,875 968 SH   SOLE 0 0 0 968
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,502,642 6,334 SH   SOLE 0 0 0 6,334
VANGUARD INDEX FDS MID CAP ETF 922908629   813,615 3,497 SH   SOLE 0 0 0 3,497
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   237,030 2,683 SH   SOLE 0 0 0 2,683
VANGUARD INDEX FDS SMALL CP ETF 922908751   216,961 1,017 SH   SOLE 0 0 0 1,017
VANGUARD INDEX FDS LARGE CAP ETF 922908637   510,838 2,342 SH   SOLE 0 0 0 2,342
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   526,707 1,206 SH   SOLE 0 0 0 1,206
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   402,269 9,788 SH   SOLE 0 0 0 9,788
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   946,427 19,929 SH   SOLE 0 0 0 19,929
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   628,189 10,590 SH   SOLE 0 0 0 10,590
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   603,482 3,542 SH   SOLE 0 0 0 3,542
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,950,208 228,606 SH   SOLE 0 0 0 228,606
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   432,177 3,872 SH   SOLE 0 0 0 3,872
VERIZON COMMUNICATIONS INC COM 92343V104   273,657 7,259 SH   SOLE 0 0 0 7,259
WALMART INC COM 931142103   253,323 1,607 SH   SOLE 0 0 0 1,607
WASTE MGMT INC DEL COM 94106L109   272,633 1,522 SH   SOLE 0 0 0 1,522
WILLIAMS COS INC COM 969457100   990,717 28,444 SH   SOLE 0 0 0 28,444
WISDOMTREE TR EM EX ST-OWNED 97717X578   2,448,827 84,793 SH   SOLE 0 0 0 84,793
YUM BRANDS INC COM 988498101   585,488 4,481 SH   SOLE 0 0 0 4,481