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
3M CO COM COM 88579Y101   1,904,375 18,118 SH   SOLE   18,117 0 0
ABBOTT LABS COM COM 002824100   2,339,107 23,100 SH   SOLE   23,100 0 0
ABBVIE INC COM COM 00287Y109   3,090,101 19,389 SH   SOLE   19,389 0 0
ABRDN PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104   8,001,484 424,032 SH   SOLE   424,032 0 0
AMAZON COM INC COM COM 023135106   876,944 8,490 SH   SOLE   8,490 0 0
AMGEN INC COM COM 031162100   2,343,283 9,693 SH   SOLE   9,693 0 0
ANALOG DEVICES INC COM COM 032654105   3,266,016 16,560 SH   SOLE   16,501 0 59
APPLE INC COM COM 037833100   4,721,139 28,630 SH   SOLE   28,630 0 0
ASHLAND INC COM COM 044186104   720,921 7,019 SH   SOLE   6,899 0 120
ASML HOLDING N V N Y REGISTRY SHS NY REGISTRY SHARES N07059210   1,149,038 1,688 SH   SOLE   1,649 0 39
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108   2,849,772 41,057 SH   SOLE   41,057 0 0
AUTOMATIC DATA PROCESSING INC COM COM 053015103   2,633,218 11,828 SH   SOLE   11,827 0 0
BAIDU INC SPON ADR REP A SPON ADR REP A 056752108   206,006 1,365 SH   SOLE   1,331 0 34
BANK NEW YORK MELLON CORP COM COM 064058100   2,852,405 62,773 SH   SOLE   62,529 0 244
BARINGS BDC INC COM COM 06759L103   262,703 33,086 SH   SOLE   33,086 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702   3,191,755 10,337 SH   SOLE   10,298 0 39
BIOGEN INC COM COM 09062X103   344,479 1,239 SH   SOLE   1,211 0 28
BOEING CO COM COM 097023105   394,270 1,856 SH   SOLE   1,822 0 34
BORGWARNER INC COM COM 099724106   957,498 19,497 SH   SOLE   19,171 0 326
BROADCOM INC COM COM 11135F101   2,368,566 3,692 SH   SOLE   3,692 0 0
CAMPBELL SOUP CO COM COM 134429109   350,003 6,366 SH   SOLE   6,239 0 127
CARDINAL HEALTH INC COM COM 14149Y108   868,024 11,497 SH   SOLE   11,310 0 187
CHENIERE ENERGY INC COM NEW COM NEW 16411R208   3,126,664 19,839 SH   SOLE   19,651 0 188
CHEVRON CORP NEW COM COM 166764100   4,560,398 27,950 SH   SOLE   27,722 0 228
CION INVT CORP COM COM 17259U204   7,903,574 800,767 SH   SOLE   789,315 0 11,452
CITIGROUP INC COM NEW COM NEW 172967424   2,123,179 45,280 SH   SOLE   45,280 0 0
CLOROX CO DEL COM COM 189054109   2,499,967 15,799 SH   SOLE   15,798 0 0
COMMERCIAL METALS CO COM COM 201723103   342,251 6,999 SH   SOLE   6,880 0 119
CONOCOPHILLIPS COM COM 20825C104   2,127,025 21,440 SH   SOLE   21,439 0 0
CORTEVA INC COM COM 22052L104   1,005,790 16,677 SH   SOLE   16,284 0 393
COSTAR GROUP INC COM COM 22160N109   407,592 5,920 SH   SOLE   5,783 0 137
CUMMINS INC COM COM 231021106   2,649,044 11,089 SH   SOLE   11,089 0 0
DEERE & CO COM COM 244199105   391,823 949 SH   SOLE   927 0 22
DICKS SPORTING GOODS INC COM COM 253393102   602,465 4,246 SH   SOLE   4,178 0 68
EDISON INTL COM COM 281020107   2,433,590 34,475 SH   SOLE   34,475 0 0
ELEVANCE HEALTH INC COM COM 036752103   4,332,171 9,422 SH   SOLE   9,350 0 71
ETSY INC COM COM 29786A106   669,316 6,012 SH   SOLE   5,869 0 143
EVERCORE INC CLASS A CL A 29977A105   801,199 6,944 SH   SOLE   6,826 0 118
EVERSOURCE ENERGY COM COM 30040W108   267,101 3,413 SH   SOLE   3,413 0 0
EXXON MOBIL CORP COM COM 30231G102   4,435,423 40,447 SH   SOLE   40,342 0 105
FOOT LOCKER INC COM COM 344849104   896,161 22,579 SH   SOLE   22,196 0 383
FRANCO NEV CORP COM COM 351858105   329,508 2,260 SH   SOLE   2,260 0 0
FS KKR CAP CORP COM COM 302635206   623,382 33,696 SH   SOLE   33,696 0 0
GALLAGHER ARTHUR J & CO COM COM 363576109   718,560 3,756 SH   SOLE   3,694 0 62
GAP INC COM COM 364760108   572,200 56,992 SH   SOLE   56,038 0 954
GENERAL DYNAMICS CORP COM COM 369550108   2,794,453 12,245 SH   SOLE   12,153 0 92
GENUINE PARTS CO COM COM 372460105   3,174,116 18,971 SH   SOLE   18,971 0 0
GILEAD SCIENCES INC COM COM 375558103   390,208 4,703 SH   SOLE   4,599 0 104
GRAPHIC PACKAGING HLDG CO COM COM 388689101   1,700,973 66,731 SH   SOLE   65,629 0 1,102
HARLEY DAVIDSON INC COM COM 412822108   303,266 7,987 SH   SOLE   7,781 0 206
HERSHEY CO COM COM 427866108   2,330,396 9,160 SH   SOLE   8,993 0 167
INTER PARFUMS INC COM COM 458334109   649,468 4,566 SH   SOLE   4,487 0 79
INTERNATIONAL PAPER CO COM COM 460146103   2,257,217 62,596 SH   SOLE   62,596 0 0
INTUIT COM COM 461202103   2,055,276 4,610 SH   SOLE   4,594 0 16
INVESCO DB COMMODITY INDEX TRACKING FUND UNIT 46138B103   264,250 11,131 SH   SOLE   11,131 0 0
INVESCO QQQ TRUST UNiT SER 1 46090E103   21,359,496 66,555 SH   SOLE   66,435 0 120
IQVIA HLDGS INC COM COM 46266C105   2,563,095 12,887 SH   SOLE   12,841 0 46
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 1-5YR INVS 464288646   4,844,562 95,856 SH   SOLE   95,723 0 133
ISHARES 7-10 YEAR TREASURY BOND ETF 7-10 YR TRSY BD 464287440   16,613,801 167,613 SH   SOLE   167,613 0 0
ISHARES GOLD TRUST GOLD SHS 464285204   3,440,880 92,076 SH   SOLE   92,076 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465   6,523,983 91,219 SH   SOLE   91,040 0 179
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309   20,463,200 320,288 SH   SOLE   319,698 0 590
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408   6,089,825 40,128 SH   SOLE   40,049 0 79
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606   6,100,089 85,304 SH   SOLE   85,137 0 167
ISHARES S&P MID-CAP 400 VALUE ETF S&P MC 400VL ETF 464287705   6,115,123 59,503 SH   SOLE   59,387 0 116
ISHARES U.S. BASIC MATERIALS ETF U.S. BAS MTL ETF 464287838   6,095,187 45,991 SH   SOLE   45,901 0 90
JPMORGAN CHASE & CO COM COM 46625H100   2,573,569 19,750 SH   SOLE   19,749 0 0
KIMBERLY-CLARK CORP COM COM 494368103   2,545,840 18,968 SH   SOLE   18,967 0 0
LAMB WESTON HLDGS INC COM COM 513272104   756,516 7,238 SH   SOLE   7,117 0 121
LANCASTER COLONY CORP COM COM 513847103   1,638,865 8,078 SH   SOLE   7,943 0 135
LILLY ELI & CO COM COM 532457108   1,751,785 5,101 SH   SOLE   5,008 0 93
LOWES COS INC COM COM 548661107   2,833,875 14,172 SH   SOLE   14,118 0 53
MARATHON PETE CORP COM COM 56585A102   720,666 5,345 SH   SOLE   5,254 0 91
MASTERCARD INCORPORATED CL A CL A 57636Q104   2,469,881 6,796 SH   SOLE   6,774 0 22
MCDONALDS CORP COM COM 580135101   2,829,045 10,118 SH   SOLE   10,117 0 0
MERCK & CO INC COM COM 58933Y105   3,336,082 31,357 SH   SOLE   31,288 0 69
META PLATFORMS INC CL A CL A 30303M102   222,537 1,050 SH   SOLE   1,023 0 27
METLIFE INC COM COM 59156R108   2,467,625 42,589 SH   SOLE   42,589 0 0
MICROSOFT CORP COM COM 594918104   3,065,814 10,634 SH   SOLE   10,634 0 0
NATIONAL INSTRS CORP COM COM 636518102   1,263,395 24,106 SH   SOLE   23,696 0 410
NIKE INC CL B CL B 654106103   1,959,297 15,976 SH   SOLE   15,921 0 55
NOVO-NORDISK A S ADR SPONSORED ADR 670100205   2,189,130 13,756 SH   SOLE   13,707 0 49
NUCOR CORP COM COM 670346105   326,241 2,112 SH   SOLE   2,076 0 36
NVIDIA CORPORATION COM COM 67066G104   229,160 825 SH   SOLE   804 0 21
OLIN CORP COM PAR $1 COM PAR $1 680665205   2,232,196 40,220 SH   SOLE   40,219 0 0
OMNICOM GROUP INC COM COM 681919106   2,366,047 25,080 SH   SOLE   25,080 0 0
OREILLY AUTOMOTIVE INC COM COM 67103H107   3,700,704 4,359 SH   SOLE   4,343 0 16
PENSKE AUTOMOTIVE GRP INC COM COM 70959W103   3,760,573 26,518 SH   SOLE   26,417 0 101
PEPSICO INC COM COM 713448108   562,031 3,083 SH   SOLE   3,031 0 52
PHILLIPS 66 COM COM 718546104   2,929,916 28,900 SH   SOLE   28,900 0 0
POLARIS INC COM COM 731068102   2,354,096 21,279 SH   SOLE   21,206 0 73
PRIMERICA INC COM COM 74164M108   1,044,808 6,066 SH   SOLE   5,963 0 103
PROCTER AND GAMBLE CO COM COM 742718109   2,691,616 18,102 SH   SOLE   18,102 0 0
QUALCOMM INC COM COM 747525103   2,542,351 19,928 SH   SOLE   19,927 0 0
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101   5,682,057 58,022 SH   SOLE   57,920 0 101
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC 81369Y860   1,270,751 33,995 SH   SOLE   33,995 0 0
ROLLINS INC COM COM 775711104   277,872 7,404 SH   SOLE   7,221 0 183
ROYAL GOLD INC COM COM 780287108   288,605 2,225 SH   SOLE   2,225 0 0
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706   1,239,523 50,552 SH   SOLE   50,551 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805   35,719,754 1,026,430 SH   SOLE   1,022,591 0 3,838
SCHWAB SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862   1,780,209 36,487 SH   SOLE   36,487 0 0
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102   27,537,244 575,491 SH   SOLE   572,766 0 2,725
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201   44,385,618 917,627 SH   SOLE   914,921 0 2,705
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508   772,879 11,391 SH   SOLE   11,391 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797   27,345,553 373,777 SH   SOLE   372,013 0 1,764
SCHWAB US TIPS ETF US TIPS ETF 808524870   864,944 16,134 SH   SOLE   16,134 0 0
SCOTTS MIRACLE-GRO CO CL A COM 810186106   397,797 5,704 SH   SOLE   5,607 0 97
SOUTHERN COPPER CORP COM COM 84265V105   361,883 4,746 SH   SOLE   4,665 0 81
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST UT SER 1 78467X109   6,372,334 19,158 SH   SOLE   19,121 0 37
SPDR GOLD SHARES GOLD SHS 78463V107   3,662,934 19,992 SH   SOLE   19,992 0 0
SPDR S&P 500 ETF TRUST TR UNIT 78462F103   29,070,784 71,010 SH   SOLE   70,892 0 118
SPDR S&P 600 SMALL CAP ETF S&P 600 SML CAP 78464A813   1,501,616 17,870 SH   SOLE   17,870 0 0
SPDR S&P MIDCAP 400 ETF TRUST UTSER1 S&PDCRP 78467Y107   5,956,580 12,994 SH   SOLE   12,969 0 25
STEEL DYNAMICS INC COM COM 858119100   1,131,165 10,005 SH   SOLE   9,845 0 160
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONOSORED ADS 874039100   3,182,586 34,214 SH   SOLE   34,081 0 133
TESLA INC COM COM 88160R101   423,426 2,041 SH   SOLE   2,041 0 0
TEXAS INSTRS INC COM COM 882508104   2,837,970 15,257 SH   SOLE   15,257 0 0
TIMKEN CO COM COM 887389104   1,147,594 14,043 SH   SOLE   13,805 0 238
TRIMBLE INC COM COM 896239100   224,358 4,280 SH   SOLE   4,280 0 0
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704   2,600,596 50,079 SH   SOLE   50,078 0 0
UNITED PARCEL SERVICE INC CL B CL B 911312106   2,926,270 15,085 SH   SOLE   15,084 0 0
UNUM GROUP COM COM 91529Y106   643,799 16,274 SH   SOLE   16,007 0 267
VAIL RESORTS INC COM COM 91879Q109   230,175 985 SH   SOLE   985 0 0
VALERO ENERGY CORP COM COM 91913Y100   696,883 4,992 SH   SOLE   4,907 0 85
VANGUARD INTERMEDIATE-TERM BOND ETF INTERMED TERM 921937819   22,956,788 299,150 SH   SOLE   298,960 0 190
VANGUARD MID-CAP ETF MID CAP ETF 922908629   25,988,719 123,216 SH   SOLE   122,618 0 598
VANGUARD SHORT-TERM CORPORATE BOND ETF SHRT TRM CORP BD 92206C409   223,201 2,928 SH   SOLE   2,928 0 0
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   562,500 2,756 SH   SOLE   2,756 0 0
VERISIGN INC COM COM 92343E102   1,604,840 7,594 SH   SOLE   7,570 0 24
WALGREENS BOOTS ALLIANCE INC COM COM 931427108   2,126,455 61,494 SH   SOLE   61,493 0 0
WALMART INC COM COM 931142103   2,656,018 18,013 SH   SOLE   18,013 0 0
WASTE MGMT INC DEL COM COM 94106L109   2,857,477 17,512 SH   SOLE   17,512 0 0
WORKDAY INC CL A CL A 98138H101   2,118,481 10,257 SH   SOLE   10,221 0 36
YUM BRANDS INC COM COM 988498101   228,895 1,733 SH   SOLE   1,733 0 0