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   1,928,061 20,595 SH   SOLE   20,457 0 137
ABBOTT LABS COM COM 002824100   2,394,958 24,729 SH   SOLE   24,591 0 137
ABBVIE INC COM COM 00287Y109   2,977,954 19,978 SH   SOLE   19,877 0 101
ABRDN PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104   6,308,855 356,634 SH   SOLE   356,634 0 0
ADOBE INC COM COM 00724F101   283,504 556 SH   SOLE   556 0 0
AMAZON COM INC COM COM 023135106   1,040,731 8,187 SH   SOLE   8,187 0 0
AMGEN INC COM COM 031162100   2,809,435 10,453 SH   SOLE   10,390 0 63
ANALOG DEVICES INC COM COM 032654105   2,778,742 15,870 SH   SOLE   15,811 0 59
APPLE INC COM COM 037833100   5,167,157 30,180 SH   SOLE   30,180 0 0
APPLIED INDL TECHNOLOGIES INC COM COM 03820C105   271,186 1,754 SH   SOLE   1,754 0 0
ARES MANAGEMENT CORPORATION CL A COM STK CL A COM STK 03990B101   292,459 2,843 SH   SOLE   2,843 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108   2,809,737 41,491 SH   SOLE   41,301 0 189
AUTOMATIC DATA PROCESSING INC COM COM 053015103   2,914,819 12,116 SH   SOLE   12,052 0 63
BAKER HUGHES COMPANY CL A CL A 05722G100   247,805 7,016 SH   SOLE   7,016 0 0
BANK NEW YORK MELLON CORP COM COM 064058100   2,665,326 62,493 SH   SOLE   62,249 0 244
BARINGS BDC INC COM COM 06759L103   240,303 26,970 SH   SOLE   26,970 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702   3,486,536 9,953 SH   SOLE   9,914 0 39
BOEING CO COM COM 097023105   439,331 2,292 SH   SOLE   2,292 0 0
BROADCOM INC COM COM 11135F101   3,328,965 4,008 SH   SOLE   3,992 0 16
BUILDERS FIRSTSOURCE INC COM COM 12008R107   263,296 2,115 SH   SOLE   2,115 0 0
BWX TECHNOLOGIES INC COM COM 05605H100   279,450 3,727 SH   SOLE   3,727 0 0
CARDINAL HEALTH INC COM COM 14149Y108   1,856,906 21,388 SH   SOLE   21,388 0 0
CARNIVAL CORP COMMON STOCK COMMON STOCK 143658300   292,991 21,355 SH   SOLE   21,355 0 0
CATERPILLAR INC COM COM 149123101   344,253 1,261 SH   SOLE   1,261 0 0
CHENIERE ENERGY INC COM NEW COM NEW 16411R208   2,358,789 14,213 SH   SOLE   14,166 0 47
CHEVRON CORP NEW COM COM 166764100   2,720,971 16,137 SH   SOLE   16,048 0 88
CION INVT CORP COM COM 17259U204   8,280,986 783,442 SH   SOLE   771,990 0 11,452
CITIGROUP INC COM NEW COM NEW 172967424   2,086,318 50,725 SH   SOLE   50,438 0 286
CLOROX CO DEL COM COM 189054109   2,186,860 16,686 SH   SOLE   16,595 0 90
COMMERCIAL METALS CO COM COM 201723103   689,862 13,962 SH   SOLE   13,962 0 0
CONOCOPHILLIPS COM COM 20825C104   2,772,004 23,139 SH   SOLE   23,004 0 134
CONSTELLATION ENERGY CORP COM COM 21037T109   320,477 2,938 SH   SOLE   2,938 0 0
CUMMINS INC COM COM 231021106   2,620,231 11,469 SH   SOLE   11,411 0 58
EATON CORP PLC SHS COM G29183103   248,684 1,166 SH   SOLE   1,166 0 0
EDISON INTL COM COM 281020107   2,330,817 36,828 SH   SOLE   36,620 0 207
ELEVANCE HEALTH INC COM COM 036752103   2,839,352 6,521 SH   SOLE   6,496 0 24
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506   530,680 5,871 SH   SOLE   5,871 0 0
EQUITRANS MIDSTREAM CORP COM COM 294600101   245,204 26,169 SH   SOLE   26,169 0 0
EVERCORE INC CLASS A CL A 29977A105   455,004 3,300 SH   SOLE   3,300 0 0
EXXON MOBIL CORP COM COM 30231G102   3,941,016 33,518 SH   SOLE   33,386 0 131
FRANCO NEV CORP COM COM 351858105   301,687 2,260 SH   SOLE   2,260 0 0
FS KKR CAP CORP COM COM 302635206   613,665 31,166 SH   SOLE   31,166 0 0
GALLAGHER ARTHUR J & CO COM COM 363576109   278,303 1,221 SH   SOLE   1,221 0 0
GENERAL DYNAMICS CORP COM COM 369550108   1,961,330 8,876 SH   SOLE   8,848 0 28
GENUINE PARTS CO COM COM 372460105   2,759,226 19,111 SH   SOLE   19,022 0 88
GINKGO BIOWORKS HOLDINGS INC CL A SHS CL A SHS 37611X100   75,796 41,876 SH   SOLE   41,876 0 0
GRAPHIC PACKAGING HLDG CO COM COM 388689101   1,559,021 69,974 SH   SOLE   69,974 0 0
HUBBELL INC COM COM 443510607   332,528 1,061 SH   SOLE   1,061 0 0
INTERNATIONAL PAPER CO COM COM 460146103   2,464,828 69,491 SH   SOLE   69,047 0 443
INTUIT COM COM 461202103   2,265,508 4,434 SH   SOLE   4,418 0 16
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602   263,353 901 SH   SOLE   901 0 0
INVESCO QQQ TRUST SERIES I UNIT SER 1 46090E103   9,603,786 26,806 SH   SOLE   26,726 0 80
IQVIA HLDGS INC COM COM 46266C105   2,491,249 12,662 SH   SOLE   12,616 0 46
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 1-5YR INVS 464288646   4,338,399 87,064 SH   SOLE   86,931 0 133
ISHARES 7-10 YEAR TREASURY BOND ETF 7-10 YR TRSY BD 464287440   14,190,222 154,932 SH   SOLE   154,932 0 0
ISHARES GOLD TRUST ISHARES NEW 464285204   2,409,866 68,873 SH   SOLE   68,873 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465   8,328,293 120,840 SH   SOLE   120,412 0 428
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309   8,204,584 119,915 SH   SOLE   119,491 0 424
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408   7,766,151 50,482 SH   SOLE   50,303 0 179
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606   7,906,090 109,442 SH   SOLE   109,053 0 389
JPMORGAN CHASE & CO COM COM 46625H100   2,929,619 20,201 SH   SOLE   20,103 0 98
KB HOME COM COM 48666K109   274,857 5,939 SH   SOLE   5,939 0 0
KIMBERLY-CLARK CORP COM COM 494368103   2,404,258 19,895 SH   SOLE   19,790 0 104
KLA CORP COM NEW COM NEW 482480100   389,861 850 SH   SOLE   850 0 0
LAM RESEARCH CORP COM COM 512807108   416,802 665 SH   SOLE   665 0 0
LENNAR CORP CL A CL A 526057104   261,384 2,329 SH   SOLE   2,329 0 0
LOWES COS INC COM COM 548661107   2,917,528 14,037 SH   SOLE   13,984 0 53
M D C HLDGS INC COM COM 552676108   512,942 12,441 SH   SOLE   12,441 0 0
MARVELL TECHNOLOGY INC COM COM 573874104   221,825 4,098 SH   SOLE   4,098 0 0
MASTERCARD INCORPORATED CL A CL A 57636Q104   2,554,226 6,452 SH   SOLE   6,429 0 22
MCDONALDS CORP COM COM 580135101   2,679,781 10,172 SH   SOLE   10,124 0 48
MERCK & CO INC COM COM 58933Y105   2,971,745 28,866 SH   SOLE   28,738 0 127
META PLATFORMS INC CL A CL A 30303M102   652,957 2,175 SH   SOLE   2,175 0 0
METLIFE INC COM COM 59156R108   2,817,223 44,782 SH   SOLE   44,527 0 254
MICROSOFT CORP COM COM 594918104   3,488,020 11,047 SH   SOLE   11,004 0 42
NATIONAL INSTRS CORP COM COM 636518102   932,934 15,648 SH   SOLE   15,648 0 0
NEW YORK CMNTY BANCORP INC COM COM 649445103   634,053 55,913 SH   SOLE   55,913 0 0
NIKE INC CL B CL B 654106103   1,543,594 16,143 SH   SOLE   16,088 0 55
NOVO-NORDISK A S ADR ADR 670100205   2,570,510 28,266 SH   SOLE   28,168 0 98
NU HLDGS LTD ORD SHS CL A CL A G6683N103   88,421 12,196 SH   SOLE   12,196 0 0
NVIDIA CORPORATION COM COM 67066G104   552,873 1,271 SH   SOLE   1,271 0 0
OLIN CORP COM PAR $1 COM PAR $1 680665205   2,200,933 44,036 SH   SOLE   43,769 0 267
OMNICOM GROUP INC COM COM 681919106   2,072,183 27,822 SH   SOLE   27,675 0 147
ORACLE CORP COM COM 68389X105   271,685 2,565 SH   SOLE   2,565 0 0
OREILLY AUTOMOTIVE INC COM COM 67103H107   3,727,235 4,101 SH   SOLE   4,085 0 16
PARKER-HANNIFIN CORP COM COM 701094104   242,671 623 SH   SOLE   623 0 0
PENSKE AUTOMOTIVE GRP INC COM COM 70959W103   3,763,523 22,528 SH   SOLE   22,437 0 90
PEPSICO INC COM COM 713448108   554,069 3,270 SH   SOLE   3,270 0 0
PHILLIPS 66 COM COM 718546104   3,491,757 29,062 SH   SOLE   28,918 0 143
POLARIS INC COM COM 731068102   2,141,014 20,559 SH   SOLE   20,486 0 73
PRIMERICA INC COM COM 74164M108   390,930 2,015 SH   SOLE   2,015 0 0
PROCTER AND GAMBLE CO COM COM 742718109   2,707,297 18,561 SH   SOLE   18,464 0 96
QUALCOMM INC COM COM 747525103   2,383,137 21,458 SH   SOLE   21,346 0 112
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC\ 81369Y860   1,243,782 36,507 SH   SOLE   36,506 0 0
ROYAL GOLD INC COM COM 780287108   236,584 2,225 SH   SOLE   2,225 0 0
RTX CORPORATION COM COM 75513E101   4,251,437 59,072 SH   SOLE   58,831 0 241
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706   1,473,427 61,547 SH   SOLE   61,546 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805   35,036,300 1,031,693 SH   SOLE   1,027,855 0 3,838
SCHWAB SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862   1,345,298 28,091 SH   SOLE   28,091 0 0
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102   28,217,962 566,057 SH   SOLE   563,332 0 2,725
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201   45,865,875 906,440 SH   SOLE   903,735 0 2,705
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508   741,398 10,954 SH   SOLE   10,954 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797   25,154,814 355,495 SH   SOLE   353,857 0 1,637
SCHWAB US TIPS ETF US TIPS ETF 808524870   541,859 10,732 SH   SOLE   10,732 0 0
SIRIUS XM HOLDINGS INC COM COM 82968B103   260,176 57,561 SH   SOLE   57,561 0 0
SOTERA HEALTH CO COM COM 83601L102   219,622 14,661 SH   SOLE   14,661 0 0
SPDR GOLD SHARES GOLD SHS 78463V107   5,757,462 33,581 SH   SOLE   33,581 0 0
SPDR PORTFOLIO S&P 400 MID CAP ETF PORTFOLIO S&P400 78464A847   23,844,224 544,513 SH   SOLE   541,914 0 2,599
SPDR PORTFOLIO S&P 600 SMALL CAP ETF PORTFOLIO S&P600 78468R853   1,519,735 41,185 SH   SOLE   41,185 0 0
SPDR S&P 500 ETF TRUST TR UNIT 78462F103   23,965,811 56,063 SH   SOLE   55,942 0 121
SUPER MICRO COMPUTER INC COM COM 86800U104   255,573 932 SH   SOLE   932 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100   2,899,071 33,361 SH   SOLE   33,228 0 133
TESLA INC COM COM 88160R101   497,187 1,987 SH   SOLE   1,987 0 0
TEXAS INSTRS INC COM COM 882508104   2,536,967 15,955 SH   SOLE   15,876 0 78
THE TRADE DESK INC COM CL A COM CL A 88339J105   229,839 2,941 SH   SOLE   2,941 0 0
TOLL BROTHERS INC COM COM 889478103   651,514 8,809 SH   SOLE   8,809 0 0
TRANSDIGM GROUP INC COM COM 893641100   251,253 298 SH   SOLE   298 0 0
TRIMBLE INC COM COM 896239100   225,458 4,186 SH   SOLE   4,186 0 0
UNILEVER PLC SPON ADR NEW SPONSORED ADR NEW 904767704   2,569,788 52,020 SH   SOLE   51,738 0 282
UNITED PARCEL SERVICE INC CL B CL B 911312106   2,444,704 15,684 SH   SOLE   15,603 0 81
UNUM GROUP COM COM 91529Y106   266,708 5,422 SH   SOLE   5,422 0 0
VAIL RESORTS INC COM COM 91879Q109   218,562 985 SH   SOLE   985 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF INTERMED TERM 921937819   20,244,617 279,970 SH   SOLE   279,779 0 190
VANGUARD MID-CAP ETF MID CAP ETF 922908629   242,808 1,166 SH   SOLE   1,166 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363   274,774 700 SH   SOLE   699 0 0
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   542,721 2,555 SH   SOLE   2,555 0 0
VERISIGN INC COM COM 92343E102   1,579,937 7,801 SH   SOLE   7,777 0 24
WALGREENS BOOTS ALLIANCE INC COM COM 931427108   1,609,743 72,381 SH   SOLE   71,942 0 438
WALMART INC COM COM 931142103   3,046,509 19,049 SH   SOLE   18,959 0 90
WASTE MGMT INC DEL COM COM 94106L109   2,762,331 18,121 SH   SOLE   18,034 0 86
WEST PHARMACEUTICAL SVSC INC COM COM 955306105   208,242 555 SH   SOLE   555 0 0
WORKDAY INC CL A CL A 98138H101   2,223,912 10,351 SH   SOLE   10,315 0 36
XPO INC COM COM 983793100   220,994 2,960 SH   SOLE   2,960 0 0
YUM BRANDS INC COM COM 988498101   216,521 1,733 SH   SOLE   1,733 0 0
ZIONS BANCORPORATION N A COM COM 989701107   403,533 11,566 SH   SOLE   11,565 0 0