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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,459,708 4,160 SH   SOLE   0 0 4,160
ALPHABET INC CAP STK CL C 02079K107   362,754 2,574 SH   SOLE   0 0 2,574
ALPHABET INC CAP STK CL A 02079K305   267,925 1,918 SH   SOLE   0 0 1,918
ALTRIA GROUP INC COM 02209S103   654,475 16,224 SH   SOLE   0 0 16,224
AMAZON COM INC COM 023135106   543,186 3,575 SH   SOLE   0 0 3,575
AMERICAN INTL GROUP INC COM NEW 026874784   704,152 10,393 SH   SOLE   0 0 10,393
APPLE INC COM 037833100   2,221,526 11,539 SH   SOLE   0 0 11,539
ARISTA NETWORKS INC COM 040413106   246,108 1,045 SH   SOLE   0 0 1,045
BORGWARNER INC COM 099724106   787,874 21,977 SH   SOLE   0 0 21,977
BROADCOM INC COM 11135F101   315,952 283 SH   SOLE   0 0 283
CADENCE DESIGN SYSTEM INC COM 127387108   232,604 854 SH   SOLE   0 0 854
CAPITAL ONE FINL CORP COM 14040H105   733,086 5,591 SH   SOLE   0 0 5,591
CENCORA INC COM 03073E105   1,172,050 5,707 SH   SOLE   0 0 5,707
CF INDS HLDGS INC COM 125269100   752,199 9,462 SH   SOLE   0 0 9,462
CITIZENS FINL GROUP INC COM 174610105   215,757 6,510 SH   SOLE   0 0 6,510
COLGATE PALMOLIVE CO COM 194162103   870,425 10,920 SH   SOLE   0 0 10,920
CONOCOPHILLIPS COM 20825C104   931,292 8,024 SH   SOLE   0 0 8,024
CVS HEALTH CORP COM 126650100   935,899 11,853 SH   SOLE   0 0 11,853
DANAHER CORPORATION COM 235851102   730,203 3,156 SH   SOLE   0 0 3,156
DEERE & CO COM 244199105   1,165,711 2,915 SH   SOLE   0 0 2,915
DISNEY WALT CO COM 254687106   280,982 3,112 SH   SOLE   0 0 3,112
EDWARDS LIFESCIENCES CORP COM 28176E108   879,468 11,534 SH   SOLE   0 0 11,534
EXXON MOBIL CORP COM 30231G102   245,627 2,457 SH   SOLE   0 0 2,457
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   3,542,739 66,158 SH   SOLE   0 0 66,158
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   2,820,483 46,064 SH   SOLE   0 0 46,064
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   2,477,139 17,245 SH   SOLE   0 0 17,245
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   2,199,075 95,446 SH   SOLE   0 0 95,446
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   1,677,306 25,928 SH   SOLE   0 0 25,928
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   1,156,583 14,651 SH   SOLE   0 0 14,651
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   248,142 6,073 SH   SOLE   0 0 6,073
FIFTH THIRD BANCORP COM 316773100   898,426 26,049 SH   SOLE   0 0 26,049
FIRST TR EXCH TRADED FD III ULTRA SHT DUR MU 33740J104   251,773 12,551 SH   SOLE   0 0 12,551
HOME DEPOT INC COM 437076102   1,136,679 3,280 SH   SOLE   0 0 3,280
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107   847,946 10,229 SH   SOLE   0 0 10,229
INTUIT COM 461202103   776,254 1,242 SH   SOLE   0 0 1,242
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   339,571 10,404 SH   SOLE   0 0 10,404
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   969,556 6,144 SH   SOLE   0 0 6,144
ISHARES GOLD TR ISHARES NEW 464285204   3,704,845 94,923 SH   SOLE   0 0 94,923
ISHARES INC CORE MSCI EMKT 46434G103   568,401 11,238 SH   SOLE   0 0 11,238
ISHARES TR CORE S&P SCP ETF 464287804   6,072,754 56,099 SH   SOLE   0 0 56,099
ISHARES TR CORE S&P MCP ETF 464287507   4,243,701 15,312 SH   SOLE   0 0 15,312
ISHARES TR CORE S&P US VLU 464287663   1,580,944 18,747 SH   SOLE   0 0 18,747
ISHARES TR US INFRASTRUC 46435U713   1,541,375 38,276 SH   SOLE   0 0 38,276
ISHARES TR US CONSUM DISCRE 464287580   1,144,543 15,105 SH   SOLE   0 0 15,105
ISHARES TR CORE S&P TTL STK 464287150   1,043,564 9,917 SH   SOLE   0 0 9,917
ISHARES TR US CONSM STAPLES 464287812   723,976 3,776 SH   SOLE   0 0 3,776
ISHARES TR MBS ETF 464288588   567,302 6,030 SH   SOLE   0 0 6,030
ISHARES TR CORE S&P500 ETF 464287200   558,349 1,169 SH   SOLE   0 0 1,169
ISHARES TR TRS FLT RT BD 46434V860   450,142 8,919 SH   SOLE   0 0 8,919
ISHARES TR CORE MSCI INTL 46435G326   416,577 6,544 SH   SOLE   0 0 6,544
ISHARES TR TIPS BD ETF 464287176   329,564 3,066 SH   SOLE   0 0 3,066
ISHARES TR FALN ANGLS USD 46435G474   268,013 10,152 SH   SOLE   0 0 10,152
ISHARES TR 3 7 YR TREAS BD 464288661   260,263 2,222 SH   SOLE   0 0 2,222
ISHARES TR JPMORGAN USD EMG 464288281   202,968 2,279 SH   SOLE   0 0 2,279
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   3,374,366 134,598 SH   SOLE   0 0 134,598
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,626,877 131,931 SH   SOLE   0 0 131,931
JOHNSON & JOHNSON COM 478160104   277,084 1,768 SH   SOLE   0 0 1,768
JPMORGAN CHASE & CO COM 46625H100   405,550 2,384 SH   SOLE   0 0 2,384
KNIGHT-SWIFT TRANSN HLDGS IN CL A 499049104   717,085 12,439 SH   SOLE   0 0 12,439
LOCKHEED MARTIN CORP COM 539830109   250,204 552 SH   SOLE   0 0 552
MASTERCARD INCORPORATED CL A 57636Q104   990,827 2,323 SH   SOLE   0 0 2,323
MERCK & CO INC COM 58933Y105   780,039 7,155 SH   SOLE   0 0 7,155
META PLATFORMS INC CL A 30303M102   1,205,234 3,405 SH   SOLE   0 0 3,405
MICROSOFT CORP COM 594918104   2,183,804 5,807 SH   SOLE   0 0 5,807
NEXTERA ENERGY INC COM 65339F101   933,563 15,370 SH   SOLE   0 0 15,370
NVIDIA CORPORATION COM 67066G104   1,566,010 3,162 SH   SOLE   0 0 3,162
PEPSICO INC COM 713448108   1,019,032 6,000 SH   SOLE   0 0 6,000
ROSS STORES INC COM 778296103   942,836 6,813 SH   SOLE   0 0 6,813
RYDER SYS INC COM 783549108   818,413 7,113 SH   SOLE   0 0 7,113
S&P GLOBAL INC COM 78409V104   815,845 1,852 SH   SOLE   0 0 1,852
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   8,441,083 178,685 SH   SOLE   0 0 178,685
SCHWAB STRATEGIC TR US TIPS ETF 808524870   4,701,510 90,067 SH   SOLE   0 0 90,067
SCHWAB STRATEGIC TR MUN BD ETF 808524649   376,162 7,150 SH   SOLE   0 0 7,150
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   14,900,056 403,140 SH   SOLE   0 0 403,140
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,209,032 11,477 SH   SOLE   0 0 11,477
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,131,315 29,333 SH   SOLE   0 0 29,333
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   985,817 13,686 SH   SOLE   0 0 13,686
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   928,585 6,809 SH   SOLE   0 0 6,809
SPDR SER TR S&P BK ETF 78464A797   1,351,679 29,372 SH   SOLE   0 0 29,372
SPDR SER TR PORTFOLI S&P1500 78464A805   1,112,879 19,040 SH   SOLE   0 0 19,040
SPDR SER TR S&P SEMICNDCTR 78464A862   945,738 4,207 SH   SOLE   0 0 4,207
SPDR SER TR AEROSPACE DEF 78464A631   691,799 5,109 SH   SOLE   0 0 5,109
SPDR SER TR HLTH CR EQUIP 78464A581   624,360 7,410 SH   SOLE   0 0 7,410
SPDR SER TR S&P BIOTECH 78464A870   530,149 5,937 SH   SOLE   0 0 5,937
SPDR SER TR S&P PHARMAC 78464A722   514,633 12,365 SH   SOLE   0 0 12,365
SPDR SER TR PORTFOLIO LN TSR 78464A664   245,277 8,452 SH   SOLE   0 0 8,452
SPDR SER TR PRTFLO S&P500 VL 78464A508   214,666 4,604 SH   SOLE   0 0 4,604
STAG INDL INC COM 85254J102   829,553 21,130 SH   SOLE   0 0 21,130
T-MOBILE US INC COM 872590104   613,145 3,824 SH   SOLE   0 0 3,824
TESLA INC COM 88160R101   217,668 876 SH   SOLE   0 0 876
TEXAS INSTRS INC COM 882508104   1,101,019 6,459 SH   SOLE   0 0 6,459
UNITEDHEALTH GROUP INC COM 91324P102   970,056 1,843 SH   SOLE   0 0 1,843
VANECK ETF TRUST LONG MUNI ETF 92189F536   3,056,619 167,486 SH   SOLE   0 0 167,486
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   1,839,721 72,573 SH   SOLE   0 0 72,573
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,390,918 31,303 SH   SOLE   0 0 31,303
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,112,716 42,798 SH   SOLE   0 0 42,798
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,136,407 12,861 SH   SOLE   0 0 12,861
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   8,879,546 216,047 SH   SOLE   0 0 216,047
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   6,102,522 131,633 SH   SOLE   0 0 131,633
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   2,664,900 12,284 SH   SOLE   0 0 12,284
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   491,121 6,190 SH   SOLE   0 0 6,190
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   3,693,097 55,544 SH   SOLE   0 0 55,544
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   1,677,109 5,507 SH   SOLE   0 0 5,507
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   738,351 3,867 SH   SOLE   0 0 3,867
VANGUARD WORLD FDS MATERIALS ETF 92204A801   688,672 3,626 SH   SOLE   0 0 3,626
WARNER MUSIC GROUP CORP COM CL A 934550203   820,877 22,936 SH   SOLE   0 0 22,936
WELLS FARGO CO NEW COM 949746101   773,412 15,713 SH   SOLE   0 0 15,713