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   2,233,164 20,428 SH   SOLE   20,290 0 137
ABBOTT LABS COM COM 002824100   2,640,381 23,988 SH   SOLE   23,851 0 137
ABBVIE INC COM COM 00287Y109   2,937,758 18,957 SH   SOLE   18,855 0 101
ABRDN PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104   5,549,486 281,129 SH   SOLE   281,129 0 0
ADOBE INC COM COM 00724F101   587,651 985 SH   SOLE   985 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305   273,373 1,957 SH   SOLE   1,957 0 0
AMAZON COM INC COM COM 023135106   1,624,391 10,691 SH   SOLE   10,691 0 0
AMERICAN EAGLE OUTFITTERS INC COM COM 02553E106   208,299 9,844 SH   SOLE   9,844 0 0
AMGEN INC COM COM 031162100   2,812,649 9,765 SH   SOLE   9,702 0 63
ANALOG DEVICES INC COM COM 032654105   2,734,514 13,772 SH   SOLE   13,712 0 59
APPLE INC COM COM 037833100   5,813,078 30,193 SH   SOLE   30,193 0 0
ARISTA NETWORKS INC COM COM 040413106   219,260 931 SH   SOLE   931 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108   2,664,718 39,565 SH   SOLE   39,376 0 189
AUTOMATIC DATA PROCESSING INC COM COM 053015103   2,690,191 11,547 SH   SOLE   11,484 0 63
BANK NEW YORK MELLON CORP COM COM 064058100   2,936,401 56,415 SH   SOLE   56,171 0 244
BARINGS BDC INC COM COM 06759L103   193,522 22,555 SH   SOLE   22,555 0 0
BELLRING BRANDS INC COMMON STOCK COMMON STOCK 07831C103   374,873 6,763 SH   SOLE   6,763 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702   3,336,911 9,356 SH   SOLE   9,317 0 39
BROADCOM INC COM COM 11135F101   4,164,069 3,730 SH   SOLE   3,714 0 16
CARDINAL HEALTH INC COM COM 14149Y108   1,038,542 10,303 SH   SOLE   10,303 0 0
CATERPILLAR INC COM COM 149123101   261,372 884 SH   SOLE   884 0 0
CHENIERE ENERGY INC COM NEW COM NEW 16411R208   2,109,634 12,358 SH   SOLE   12,311 0 47
CHEVRON CORP NEW COM COM 166764100   2,374,675 15,920 SH   SOLE   15,832 0 88
CION INVT CORP COM COM 17259U204   8,849,848 782,480 SH   SOLE   771,027 0 11,452
CITIGROUP INC COM NEW COM NEW 172967424   2,509,543 48,786 SH   SOLE   48,499 0 286
CLOROX CO DEL COM COM 189054109   2,326,968 16,319 SH   SOLE   16,229 0 90
CONOCOPHILLIPS COM COM 20825C104   2,521,846 21,727 SH   SOLE   21,592 0 134
CONSTELLATION ENERGY CORP COM COM 21037T109   497,016 4,252 SH   SOLE   4,252 0 0
CROWDSTRIKE HLDGS INC CL A CL A 22788C105   483,831 1,895 SH   SOLE   1,895 0 0
CUMMINS INC COM COM 231021106   2,619,241 10,933 SH   SOLE   10,875 0 58
DIAMONDBACK ENERGY INC COM COM 25278X109   338,695 2,184 SH   SOLE   2,184 0 0
DIMENSIONAL U.S. SMALL CAP ETF US SMALL CAP ETF 25434V500   4,003,804 67,155 SH   SOLE   67,155 0 0
EDISON INTL COM COM 281020107   2,531,919 35,416 SH   SOLE   35,209 0 207
ELEVANCE HEALTH INC COM COM 036752103   2,687,456 5,699 SH   SOLE   5,675 0 24
ELI LILLY & CO COM COM 532457108   395,220 678 SH   SOLE   678 0 0
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506   653,197 7,791 SH   SOLE   7,791 0 0
EQUITRANS MIDSTREAM CORP COM COM 294600101   491,918 48,322 SH   SOLE   48,322 0 0
EVERCORE INC CLASS A CL A 29977A105   201,155 1,176 SH   SOLE   1,176 0 0
EXXON MOBIL CORP COM COM 30231G102   2,919,227 29,198 SH   SOLE   29,067 0 131
FIRSTCASH HOLDINGS INC COM COM 33768G107   602,648 5,560 SH   SOLE   5,560 0 0
FS KKR CAP CORP COM COM 302635206   622,391 31,166 SH   SOLE   31,166 0 0
GAP INC COM COM 364760108   613,855 29,357 SH   SOLE   29,357 0 0
GENERAL DYNAMICS CORP COM COM 369550108   2,008,288 7,734 SH   SOLE   7,706 0 28
GENUINE PARTS CO COM COM 372460105   2,551,895 18,425 SH   SOLE   18,337 0 88
INTEL CORP COM COM 458140100   961,735 19,139 SH   SOLE   19,139 0 0
INTERNATIONAL PAPER CO COM COM 460146103   2,400,874 66,414 SH   SOLE   65,971 0 443
INTUIT COM COM 461202103   2,613,250 4,181 SH   SOLE   4,165 0 16
INVESCO QQQ TRUST SERIES I UNIT SER 1 46090E103   29,498,954 72,033 SH   SOLE   71,812 0 221
IQVIA HLDGS INC COM COM 46266C105   2,576,185 11,134 SH   SOLE   11,088 0 46
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 1-5YR INVS 464288646   4,484,512 87,460 SH   SOLE   87,327 0 133
ISHARES GOLD TRUST ISHARES NEW 464285204   1,277,881 32,741 SH   SOLE   32,741 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513   7,517,045 97,132 SH   SOLE   97,132 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242   7,662,430 69,243 SH   SOLE   69,243 0 0
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309   26,892,259 358,086 SH   SOLE   356,894 0 1,192
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408   27,371,677 157,408 SH   SOLE   156,882 0 526
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606   27,656,890 349,115 SH   SOLE   347,946 0 1,169
ISHARES U.S. CONSUMER DISCRETIONARY ETF US CONSUM DISCRE 464287580   4,883,301 64,449 SH   SOLE   64,449 0 0
ISHARES U.S. FINANCIALS ETF U.S. FINLS ETF 464287788   4,913,296 57,526 SH   SOLE   57,526 0 0
ISHARES U.S. INDUSTRIALS ETF US INDUSTRIALS 464287754   4,857,898 42,479 SH   SOLE   42,479 0 0
ISHARES U.S. TECHNOLOGY ETF U.S. TECH ETF 464287721   4,848,380 39,498 SH   SOLE   39,498 0 0
JPMORGAN CHASE & CO COM COM 46625H100   3,194,556 18,780 SH   SOLE   18,682 0 98
KIMBERLY-CLARK CORP COM COM 494368103   2,351,494 19,352 SH   SOLE   19,248 0 104
KLA CORP COM NEW COM NEW 482480100   433,069 745 SH   SOLE   745 0 0
LAM RESEARCH CORP COM COM 512807108   350,900 448 SH   SOLE   448 0 0
LOWES COS INC COM COM 548661107   2,718,628 12,216 SH   SOLE   12,162 0 53
MASTERCARD INCORPORATED CL A CL A 57636Q104   2,369,510 5,556 SH   SOLE   5,533 0 22
MCDONALDS CORP COM COM 580135101   2,853,044 9,622 SH   SOLE   9,574 0 48
MERCK & CO INC COM COM 58933Y105   2,979,273 27,328 SH   SOLE   27,200 0 127
META PLATFORMS INC CL A CL A 30303M102   414,841 1,172 SH   SOLE   1,172 0 0
METLIFE INC COM COM 59156R108   2,816,089 42,584 SH   SOLE   42,330 0 254
MICROSOFT CORP COM COM 594918104   3,485,099 9,268 SH   SOLE   9,225 0 42
NEW YORK TIMES CO CL A CL A 650111107   1,085,716 22,162 SH   SOLE   22,162 0 0
NIKE INC CL B CL B 654106103   1,569,271 14,454 SH   SOLE   14,399 0 55
NOVO-NORDISK A S ADR ADR 670100205   2,639,010 25,510 SH   SOLE   25,412 0 98
NU HLDGS LTD ORD SHS CL A CL A G6683N103   134,030 16,090 SH   SOLE   16,090 0 0
NVIDIA CORPORATION COM COM 67066G104   245,134 495 SH   SOLE   495 0 0
OLIN CORP COM PAR $1 COM PAR $1 680665205   2,335,587 43,292 SH   SOLE   43,024 0 267
OMNICOM GROUP INC COM COM 681919106   2,334,608 26,987 SH   SOLE   26,839 0 147
ORACLE CORP COM COM 68389X105   206,221 1,956 SH   SOLE   1,956 0 0
OREILLY AUTOMOTIVE INC COM COM 67103H107   3,332,881 3,508 SH   SOLE   3,492 0 16
PALANTIR TECHNOLOGIES INC CL A CLASS A COM 69608A108   179,856 10,475 SH   SOLE   10,475 0 0
PENSKE AUTOMOTIVE GRP INC COM COM 70959W103   3,343,843 20,833 SH   SOLE   20,742 0 90
PERMIAN RESOURCES CORP CLASS A COM CLASS A COM 71424F105   486,282 35,756 SH   SOLE   35,756 0 0
PHILLIPS 66 COM COM 718546104   3,530,577 26,518 SH   SOLE   26,374 0 143
POLARIS INC COM COM 731068102   1,770,304 18,680 SH   SOLE   18,607 0 73
PROCTER AND GAMBLE CO COM COM 742718109   2,592,507 17,691 SH   SOLE   17,595 0 96
QUALCOMM INC COM COM 747525103   2,926,040 20,231 SH   SOLE   20,119 0 112
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC\ 81369Y860   1,580,272 39,448 SH   SOLE   39,447 0 0
ROYAL GOLD INC COM COM 780287108   269,136 2,225 SH   SOLE   2,225 0 0
RTX CORPORATION COM COM 75513E101   4,594,059 54,600 SH   SOLE   54,359 0 241
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706   1,721,278 69,434 SH   SOLE   69,434 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805   32,886,304 889,781 SH   SOLE   886,335 0 3,445
SCHWAB SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862   1,387,008 28,628 SH   SOLE   28,627 0 0
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102   23,951,680 430,244 SH   SOLE   427,921 0 2,322
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201   44,259,642 784,745 SH   SOLE   782,461 0 2,284
SCHWAB U.S. LARGE-CAP GROWTH ETF COM 808524300   218,683 2,636 SH   SOLE   2,636 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508   529,932 7,036 SH   SOLE   7,035 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797   801,456 10,527 SH   SOLE   10,527 0 0
SCHWAB US TIPS ETF US TIPS ETF 808524870   568,145 10,884 SH   SOLE   10,884 0 0
SIRIUS XM HOLDINGS INC COM COM 82968B103   418,614 76,529 SH   SOLE   76,529 0 0
SOUTHWESTERN ENERGY CO COM COM 845467109   467,618 71,392 SH   SOLE   71,392 0 0
SPDR GOLD SHARES GOLD SHS 78463V107   6,055,883 31,678 SH   SOLE   31,678 0 0
SPDR S&P 500 ETF TRUST TR UNIT 78462F103   44,663,455 93,967 SH   SOLE   93,723 0 244
SUPER MICRO COMPUTER INC COM COM 86800U104   370,959 1,305 SH   SOLE   1,305 0 0
SYNOPSYS INC COM COM 871607107   508,731 988 SH   SOLE   988 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100   3,292,640 31,660 SH   SOLE   31,527 0 133
TESLA INC COM COM 88160R101   511,620 2,059 SH   SOLE   2,059 0 0
TEXAS INSTRS INC COM COM 882508104   2,623,261 15,389 SH   SOLE   15,311 0 78
TOLL BROTHERS INC COM COM 889478103   389,060 3,785 SH   SOLE   3,785 0 0
TRANE TECHNOLOGIES PLC SHS SHS G8994E103   216,583 888 SH   SOLE   888 0 0
TRIMBLE INC COM COM 896239100   222,695 4,186 SH   SOLE   4,186 0 0
UNILEVER PLC SPON ADR NEW SPONSORED ADR NEW 904767704   2,430,574 50,136 SH   SOLE   49,853 0 282
UNITED PARCEL SERVICE INC CL B CL B 911312106   2,402,190 15,278 SH   SOLE   15,197 0 81
UNUM GROUP COM COM 91529Y106   301,482 6,667 SH   SOLE   6,667 0 0
VAIL RESORTS INC COM COM 91879Q109   210,268 985 SH   SOLE   985 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF INTERMED TERM 921937819   22,564,181 295,420 SH   SOLE   295,230 0 190
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363   224,179 513 SH   SOLE   513 0 0
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   578,375 2,438 SH   SOLE   2,438 0 0
VERISIGN INC COM COM 92343E102   1,431,628 6,951 SH   SOLE   6,927 0 24
VISTRA CORP COM COM 92840M102   380,192 9,870 SH   SOLE   9,870 0 0
WALGREENS BOOTS ALLIANCE INC COM COM 931427108   1,961,511 75,125 SH   SOLE   74,686 0 438
WALMART INC COM COM 931142103   2,781,579 17,644 SH   SOLE   17,554 0 90
WASTE MGMT INC DEL COM COM 94106L109   3,036,476 16,954 SH   SOLE   16,868 0 86
WILLIAMS SONOMA INC COM COM 969904101   233,863 1,159 SH   SOLE   1,159 0 0
WORKDAY INC CL A CL A 98138H101   2,594,136 9,397 SH   SOLE   9,361 0 36
WORTHINGTON ENTERPRISES INC COM COM 981811102   1,280,603 22,252 SH   SOLE   22,252 0 0
XPO INC COM COM 983793100   447,235 5,106 SH   SOLE   5,106 0 0
ZSCALER INC COM COM 98980G102   470,372 2,123 SH   SOLE   2,123 0 0