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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM COM 88579Y101 2,324 15,609 SH   SOLE   15,539 0 70
ABBOTT LABS COM COM 002824100 2,710 22,896 SH   SOLE   22,774 0 122
ABBVIE INC COM COM 00287Y109 3,844 23,710 SH   SOLE   23,588 0 122
ABRDN PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104 5,624 302,711 SH   SOLE   302,711 0 0
ALPHABET INC CAP STK CL C CL C 02079K107 3,463 1,240 SH   SOLE   1,236 0 4
AMAZON COM INC COM COM 023135106 3,811 1,169 SH   SOLE   1,166 0 2
AMERICAN EXPRESS CO COM COM 025816109 3,739 19,997 SH   SOLE   19,929 0 68
ANALOG DEVICES INC COM COM 032654105 3,097 18,750 SH   SOLE   18,690 0 59
ANTHEM INC COM COM 036752103 3,698 7,528 SH   SOLE   7,504 0 24
APPLE INC COM COM 037833100 4,949 28,343 SH   SOLE   28,343 0 0
ASTRAZENECA PLC SPONSORED ADR SPONOSRED ADR 046353108 3,022 45,560 SH   SOLE   45,329 0 231
AUTOMATIC DATA PROCESSING INC COM COM 053015103 3,169 13,925 SH   SOLE   13,855 0 70
BARINGS BDC INC COM COM 06759L103 576 55,700 SH   SOLE   55,700 0 0
BLACKROCK INC COM COM 09247X101 5,568 7,287 SH   SOLE   7,259 0 27
CARMAX INC COM COM 143130102 2,385 24,722 SH   SOLE   24,647 0 75
CISCO SYS INC COM COM 17275R102 2,891 51,849 SH   SOLE   51,588 0 261
CLOROX CO DEL COM CL A 189054109 2,004 14,417 SH   SOLE   14,339 0 77
COMCAST CORP NEW CL A COM 20030N101 2,647 56,532 SH   SOLE   56,363 0 168
CUMMINS INC COM COM 231021106 2,465 12,019 SH   SOLE   11,955 0 64
DISNEY WALT CO COM COM 254687106 2,503 18,252 SH   SOLE   18,197 0 55
EVERSOURCE ENERGY COM COM 30040W108 301 3,413 SH   SOLE   3,413 0 0
EXXON MOBIL CORP COM COM CL A 30231G102 3,801 46,027 SH   SOLE   45,808 0 219
FRANCO NEV CORP COM COM 351858105 341 2,138 SH   SOLE   2,138 0 0
FS KKR CAP CORP COM COM 302635206 809 35,471 SH   SOLE   35,470 0 0
GENUINE PARTS CO COM COM 372460105 3,076 24,409 SH   SOLE   24,298 0 110
INTEL CORP COM COM 458140100 2,352 47,449 SH   SOLE   47,206 0 243
INTERNATIONAL PAPER CO COM COM 460146103 2,684 58,157 SH   SOLE   57,929 0 228
INVESCO QQQ TRUST UNIT SER 1 46090E103 11,073 30,542 SH   SOLE   30,489 0 53
IQVIA HLDGS INC COM COM 46266C105 3,192 13,804 SH   SOLE   13,758 0 46
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 1-5YR INVS 464288646 5,947 114,986 SH   SOLE   114,853 0 133
ISHARES 7-10 YEAR TREASURY BOND ETF BARCLAYS 7 10 YR 464287440 23,540 219,036 SH   SOLE   219,036 0 0
ISHARES GOLD TRUST ISHARES NEW 464285204 307 8,341 SH   SOLE   8,341 0 0
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 10,299 134,835 SH   SOLE   134,586 0 249
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 22,442 144,116 SH   SOLE   143,873 0 243
ISHARES S&P MID-CAP 400 VALUE ETF S&P MC 400VL ETF 464287705 21,889 199,648 SH   SOLE   199,313 0 335
ISHARES S&P SMALL-CAP 600 VALUE ETF SP SMCP600VL ETF 464287879 21,738 212,309 SH   SOLE   211,952 0 357
ISHARES U.S. REAL ESTATE ETF U.S. REAL ES ETF 464287739 10,039 92,768 SH   SOLE   92,599 0 169
JOHNSON & JOHNSON COM COM 478160104 2,870 16,191 SH   SOLE   16,106 0 84
JPMORGAN CHASE & CO COM COM 46625H100 5,596 41,054 SH   SOLE   40,897 0 157
KIMBERLY-CLARK CORP COM COM 494368103 2,347 19,055 SH   SOLE   18,950 0 104
KROGER CO COM COM 501044101 3,755 65,458 SH   SOLE   65,103 0 354
LOWES COS INC COM CL A 548661107 3,149 15,576 SH   SOLE   15,523 0 53
MASTERCARD INCORPORATED CL A COM 57636Q104 2,835 7,933 SH   SOLE   7,911 0 22
MCDONALDS CORP COM COM 580135101 2,852 11,532 SH   SOLE   11,471 0 60
MERCK & CO INC COM COM 58933Y105 2,785 33,939 SH   SOLE   33,758 0 180
META PLATFORMS INC CL A CL A 30303M102 2,233 10,041 SH   SOLE   10,012 0 29
METLIFE INC COM COM 59156R108 3,579 50,924 SH   SOLE   50,693 0 231
MICROSOFT CORP COM COM 594918104 6,653 21,579 SH   SOLE   21,490 0 88
OREILLY AUTOMOTIVE INC COM COM 67103H107 3,432 5,010 SH   SOLE   4,994 0 16
PHILLIPS 66 COM COM 718546104 2,886 33,409 SH   SOLE   33,249 0 160
PROCTER AND GAMBLE CO COM COM 742718109 2,953 19,325 SH   SOLE   19,222 0 102
QUALCOMM INC COM COM 747525103 3,221 21,075 SH   SOLE   20,975 0 100
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 6,717 67,802 SH   SOLE   67,538 0 264
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC 81369Y860 1,338 27,692 SH   SOLE   27,554 0 138
ROYAL BK CDA COM COM 780087102 221 2,001 SH   SOLE   2,001 0 0
ROYAL GOLD INC COM COM 780287108 314 2,225 SH   SOLE   2,225 0 0
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706 923 33,241 SH   SOLE   33,090 0 151
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 7,689 209,384 SH   SOLE   208,446 0 937
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 2,011 40,593 SH   SOLE   40,400 0 193
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 1,236 23,152 SH   SOLE   23,152 0 0
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201 17,277 320,836 SH   SOLE   319,251 0 1,584
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 29,860 393,623 SH   SOLE   391,816 0 1,806
SCHWAB U.S. SMALL-CAP ETF US SML CAP ETF 808524607 1,375 29,025 SH   SOLE   28,931 0 94
SCHWAB U.S. TIPS ETF US TIPS ETF 808524870 1,093 18,009 SH   SOLE   17,890 0 119
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 31,267 396,338 SH   SOLE   394,575 0 1,763
SOUTHERN CO COM COM 842587107 3,062 42,224 SH   SOLE   41,998 0 225
SPDR DOW JONES INDUSTRIAL AVERAGE ETF SP SMCP600VL ETF 78467X109 9,969 28,743 SH   SOLE   28,690 0 53
SPDR GOLD SHARES GOLD SHS 78463V107 560 3,101 SH   SOLE   3,101 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 10,511 23,274 SH   SOLE   23,233 0 41
STARBUCKS CORP COM COM 855244109 2,475 27,204 SH   SOLE   27,079 0 124
TARGET CORP COM COM 87612E106 3,036 14,306 SH   SOLE   14,248 0 57
TESLA INC COM COM 88160R101 804 746 SH   SOLE   746 0 0
TEXAS INSTRS INC COM COM 882508104 2,993 16,313 SH   SOLE   16,240 0 72
TRIMBLE INC COM COM 896239100 309 4,280 SH   SOLE   4,280 0 0
UBER TECHNOLOGIES INC COM COM 90353T100 2,126 59,581 SH   SOLE   59,438 0 143
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 2,219 48,698 SH   SOLE   48,464 0 233
UNITED PARCEL SERVICE INC CL B CL B 911312106 3,651 17,025 SH   SOLE   16,956 0 68
UNITEDHEALTH GROUP INC COM COM 91324P102 3,606 7,070 SH   SOLE   7,048 0 22
VAIL RESORTS INC COM COM 91879Q109 256 985 SH   SOLE   985 0 0
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 26,739 326,487 SH   SOLE   325,292 0 1,195
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 360 4,606 SH   SOLE   4,606 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 711 3,125 SH   SOLE   3,125 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 2,509 49,264 SH   SOLE   49,043 0 220
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 2,479 55,369 SH   SOLE   55,104 0 264
WALMART INC COM COM 931142103 2,819 18,932 SH   SOLE   18,831 0 100
WASTE MGMT INC DEL COM COM 94106L109 3,180 20,061 SH   SOLE   19,961 0 99
WELLS FARGO CO NEW COM COM 949746101 3,089 63,742 SH   SOLE   63,536 0 205
YUM BRANDS INC COM COM 988498101 205 1,733 SH   SOLE   1,733 0 0