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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM COM 88579Y101   4,210,595 39,696 SH   SOLE   39,496 0 200
ABBOTT LABS COM COM 002824100   3,430,496 30,182 SH   SOLE   30,028 0 154
ABBVIE INC COM COM 00287Y109   4,175,934 22,932 SH   SOLE   22,829 0 103
ABRDN PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104   6,059,007 285,264 SH   SOLE   285,264 0 0
ADVANCED MICRO DEVICES INC COM COM 007903107   671,964 3,723 SH   SOLE   3,723 0 0
AFFIRM HLDGS INC COM CL A COM CL A 00827B106   220,915 5,929 SH   SOLE   5,929 0 0
ALLSTATE CORP COM COM 020002101   216,955 1,254 SH   SOLE   1,254 0 0
AMAZON COM INC COM COM 023135106   1,694,309 9,393 SH   SOLE   9,393 0 0
AMGEN INC COM COM 031162100   3,613,103 12,708 SH   SOLE   12,642 0 65
ANALOG DEVICES INC COM COM 032654105   2,712,914 13,716 SH   SOLE   13,657 0 59
APPLE INC COM COM 037833100   5,215,664 30,416 SH   SOLE   30,415 0 0
ARISTA NETWORKS INC COM COM 040413106   276,641 954 SH   SOLE   954 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108   3,766,048 55,587 SH   SOLE   55,303 0 284
AUTOMATIC DATA PROCESSING INC COM COM 053015103   3,712,651 14,866 SH   SOLE   14,793 0 73
BANK NEW YORK MELLON CORP COM COM 064058100   3,199,811 55,533 SH   SOLE   55,289 0 244
BARINGS BDC INC COM COM 06759L103   209,762 22,555 SH   SOLE   22,555 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702   3,651,375 8,683 SH   SOLE   8,644 0 39
BROADCOM INC COM COM 11135F101   4,511,561 3,404 SH   SOLE   3,390 0 13
CATERPILLAR INC COM COM 149123101   261,792 714 SH   SOLE   714 0 0
CHENIERE ENERGY INC COM NEW COM NEW 16411R208   2,011,645 12,473 SH   SOLE   12,426 0 47
CHEVRON CORP NEW COM COM 166764100   3,928,640 24,906 SH   SOLE   24,786 0 119
CION INVT CORP COM COM 17259U204   8,287,925 753,448 SH   SOLE   741,995 0 11,452
CITIGROUP INC COM NEW COM NEW 172967424   4,109,994 64,990 SH   SOLE   64,662 0 328
CONOCOPHILLIPS COM COM 20825C104   4,088,761 32,124 SH   SOLE   31,965 0 159
CROWDSTRIKE HLDGS INC CL A CL A 22788C105   519,035 1,619 SH   SOLE   1,619 0 0
DATADOG INC CL A COM CL A COM 23804L103   525,176 4,249 SH   SOLE   4,249 0 0
DIMENSIONAL U.S. SMALL CAP ETF US SMALL CAP ETF 25434V500   4,553,974 73,051 SH   SOLE   73,050 0 0
DOORDASH INC CL A CL A 25809K105   548,401 3,982 SH   SOLE   3,982 0 0
EDISON INTL COM COM 281020107   3,931,288 55,582 SH   SOLE   55,307 0 274
ELANCO ANIMAL HEALTH INC COM COM 28414H103   190,053 11,674 SH   SOLE   11,674 0 0
ELEVANCE HEALTH INC COM COM 036752103   2,901,855 5,596 SH   SOLE   5,572 0 24
ELI LILLY & CO COM COM 532457108   450,455 579 SH   SOLE   579 0 0
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506   1,227,047 12,997 SH   SOLE   12,997 0 0
EQUITRANS MIDSTREAM CORP COM COM 294600101   552,233 44,214 SH   SOLE   44,214 0 0
EXPEDIA GROUP INC COM NEW COM NEW 30212P303   206,625 1,500 SH   SOLE   1,500 0 0
EXXON MOBIL CORP COM COM 30231G102   4,542,802 39,081 SH   SOLE   38,904 0 177
FS KKR CAP CORP COM COM 302635206   594,342 31,166 SH   SOLE   31,166 0 0
GAP INC COM COM 364760108   925,597 33,597 SH   SOLE   33,597 0 0
GENERAL DYNAMICS CORP COM COM 369550108   2,144,947 7,593 SH   SOLE   7,565 0 28
GENUINE PARTS CO COM COM 372460105   3,865,176 24,948 SH   SOLE   24,824 0 123
INTERNATIONAL PAPER CO COM COM 460146103   4,100,386 105,084 SH   SOLE   104,564 0 520
INTUIT COM COM 461202103   2,434,900 3,746 SH   SOLE   3,730 0 16
INVESCO QQQ TRUST SERIES I UNIT SER 1 46090E103   35,039,937 78,917 SH   SOLE   78,696 0 221
IQVIA HLDGS INC COM COM 46266C105   2,800,251 11,073 SH   SOLE   11,027 0 46
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 1-5YR INVS 464288646   4,708,889 91,827 SH   SOLE   91,694 0 133
ISHARES GOLD TRUST ISHARES NEW 464285204   1,255,847 29,894 SH   SOLE   29,894 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513   7,911,748 101,785 SH   SOLE   101,785 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242   7,901,492 72,544 SH   SOLE   72,544 0 0
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309   33,092,880 391,910 SH   SOLE   390,718 0 1,192
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408   32,198,945 172,362 SH   SOLE   171,836 0 526
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606   442,654 4,851 SH   SOLE   4,851 0 0
ISHARES U.S. CONSUMER DISCRETIONARY ETF US CONSUM DISCRE 464287580   6,758,508 82,451 SH   SOLE   82,451 0 0
ISHARES U.S. FINANCIALS ETF U.S. FINLS ETF 464287788   6,983,789 73,014 SH   SOLE   73,014 0 0
ISHARES U.S. INDUSTRIALS ETF US INDUSTRIALS 464287754   6,853,458 54,518 SH   SOLE   54,518 0 0
ISHARES U.S. TECHNOLOGY ETF U.S. TECH ETF 464287721   6,677,637 49,442 SH   SOLE   49,442 0 0
JPMORGAN CHASE & CO COM COM 46625H100   4,272,148 21,329 SH   SOLE   21,231 0 97
KIMBERLY-CLARK CORP COM COM 494368103   3,932,955 30,406 SH   SOLE   30,255 0 150
KLA CORP COM NEW COM NEW 482480100   232,624 333 SH   SOLE   333 0 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   666,465 30,628 SH   SOLE   30,628 0 0
LAM RESEARCH CORP COM COM 512807108   262,324 270 SH   SOLE   270 0 0
LOWES COS INC COM COM 548661107   3,085,847 12,114 SH   SOLE   12,061 0 53
MARVELL TECHNOLOGY INC COM COM 573874104   521,464 7,357 SH   SOLE   7,357 0 0
MASTERCARD INCORPORATED CL A CL A 57636Q104   2,606,076 5,412 SH   SOLE   5,389 0 22
MCDONALDS CORP COM COM 580135101   3,462,967 12,282 SH   SOLE   12,219 0 63
MERCK & CO INC COM COM 58933Y105   4,129,460 31,296 SH   SOLE   31,152 0 143
META PLATFORMS INC CL A CL A 30303M102   909,491 1,873 SH   SOLE   1,873 0 0
METLIFE INC COM COM 59156R108   3,954,614 53,361 SH   SOLE   53,097 0 264
MICROSOFT CORP COM COM 594918104   4,508,841 10,717 SH   SOLE   10,671 0 45
NETFLIX INC COM COM 64110L106   230,785 380 SH   SOLE   380 0 0
NIKE INC CL B CL B 654106103   1,398,986 14,886 SH   SOLE   14,831 0 55
NOVO-NORDISK A S ADR ADR 670100205   3,174,048 24,720 SH   SOLE   24,622 0 98
NRG ENERGY INC COM NEW COM NEW 629377508   238,336 3,521 SH   SOLE   3,521 0 0
NU HLDGS LTD ORD SHS CL A CL A G6683N103   229,402 19,229 SH   SOLE   19,229 0 0
NVIDIA CORPORATION COM COM 67066G104   836,697 926 SH   SOLE   926 0 0
OMNICOM GROUP INC COM COM 681919106   4,038,361 41,736 SH   SOLE   41,527 0 208
OREILLY AUTOMOTIVE INC COM COM 67103H107   3,869,801 3,428 SH   SOLE   3,412 0 16
PALO ALTO NETWORKS INC COM COM 697435105   229,861 809 SH   SOLE   809 0 0
PHILLIPS 66 COM COM 718546104   4,873,435 29,836 SH   SOLE   29,720 0 116
POLARIS INC COM COM 731068102   1,899,276 18,970 SH   SOLE   18,897 0 73
PROCTER AND GAMBLE CO COM COM 742718109   3,634,627 22,401 SH   SOLE   22,286 0 115
PROSHARES ULTRA S&P 500 PSHS ULT S&P 500 74347R107   217,056 2,800 SH   SOLE   2,800 0 0
PULTE GROUP INC COM COM 745867101   213,980 1,774 SH   SOLE   1,774 0 0
QUALCOMM INC COM COM 747525103   4,025,421 23,777 SH   SOLE   23,668 0 108
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC\ 81369Y860   1,772,475 44,839 SH   SOLE   44,838 0 0
ROYAL GOLD INC COM COM 780287108   271,027 2,225 SH   SOLE   2,225 0 0
RTX CORPORATION COM COM 75513E101   6,364,629 65,258 SH   SOLE   64,952 0 306
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706   2,041,785 80,863 SH   SOLE   80,862 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805   30,438,425 780,072 SH   SOLE   776,627 0 3,445
SCHWAB SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862   1,475,164 30,599 SH   SOLE   30,598 0 0
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102   20,726,670 339,503 SH   SOLE   337,181 0 2,322
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201   44,445,700 716,173 SH   SOLE   713,889 0 2,284
SCHWAB U.S. LARGE-CAP GROWTH ETF COM 808524300   244,503 2,637 SH   SOLE   2,637 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508   573,431 7,042 SH   SOLE   7,042 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797   18,966,819 235,233 SH   SOLE   233,627 0 1,605
SCHWAB US TIPS ETF US TIPS ETF 808524870   615,384 11,798 SH   SOLE   11,798 0 0
SEAGATE TECHNOLOGY HLDNGS PLC ORD SHS COM G7997R103   247,699 2,662 SH   SOLE   2,662 0 0
SERVICENOW INC COM COM 81762P102   273,702 359 SH   SOLE   359 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST UT SER 1 78467X109   31,512,138 79,224 SH   SOLE   78,982 0 242
SPDR GOLD SHARES GOLD SHS 78463V107   8,024,314 39,006 SH   SOLE   39,006 0 0
SPDR PORTFOLIO S&P 400 MID CAP ETF PORTFOLIO S&P400 78464A847   18,572,615 348,193 SH   SOLE   345,662 0 2,531
SPDR PORTFOLIO S&P 600 SMALL CAP ETF PORTFOLIO S&P600 78468R853   524,658 12,190 SH   SOLE   12,190 0 0
SPDR S&P 500 ETF TRUST TR UNIT 78462F103   52,059,065 99,526 SH   SOLE   99,282 0 244
SUPER MICRO COMPUTER INC COM COM 86800U104   631,269 625 SH   SOLE   625 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100   3,941,505 28,971 SH   SOLE   28,838 0 133
TESLA INC COM COM 88160R101   414,337 2,357 SH   SOLE   2,357 0 0
TEXAS INSTRS INC COM COM 882508104   3,760,541 21,586 SH   SOLE   21,478 0 108
TRADEWEB MKTS INC CL A CL A 892672106   219,070 2,103 SH   SOLE   2,103 0 0
TRANE TECHNOLOGIES PLC SHS SHS G8994E103   325,117 1,083 SH   SOLE   1,083 0 0
TRANSDIGM GROUP INC COM COM 893641100   203,214 165 SH   SOLE   165 0 0
TRIMBLE INC COM COM 896239100   269,411 4,186 SH   SOLE   4,186 0 0
UBER TECHNOLOGIES INC COM COM 90353T100   522,069 6,781 SH   SOLE   6,781 0 0
UNILEVER PLC SPON ADR NEW SPONSORED ADR NEW 904767704   3,763,297 74,981 SH   SOLE   74,606 0 375
UNITED PARCEL SERVICE INC CL B CL B 911312106   3,689,461 24,823 SH   SOLE   24,699 0 124
UNITED RENTALS INC COM COM 911363109   206,237 286 SH   SOLE   286 0 0
UNITED STATES STL CORP NEW COM COM 912909108   610,558 14,972 SH   SOLE   14,972 0 0
VAIL RESORTS INC COM COM 91879Q109   219,488 985 SH   SOLE   985 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF HIGH DIV YLD 921946406   429,152 3,547 SH   SOLE   3,547 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF INTERMED TERM 921937819   24,416,752 323,830 SH   SOLE   323,639 0 190
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363   407,524 848 SH   SOLE   847 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835   1,639,259 22,570 SH   SOLE   22,570 0 0
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   593,403 2,283 SH   SOLE   2,283 0 0
VERISIGN INC COM COM 92343E102   1,360,682 7,180 SH   SOLE   7,156 0 24
VERTIV HOLDINGS CO COM CL A COM CL A 92537N108   248,358 3,041 SH   SOLE   3,041 0 0
VISTRA CORP COM COM 92840M102   553,091 7,941 SH   SOLE   7,941 0 0
WALMART INC COM COM 931142103   3,741,718 62,186 SH   SOLE   61,904 0 281
WASTE MGMT INC DEL COM COM 94106L109   4,284,041 20,099 SH   SOLE   20,014 0 84
WESTERN DIGITAL CORP. COM COM 958102105   210,725 3,088 SH   SOLE   3,088 0 0
WORKDAY INC CL A CL A 98138H101   2,351,923 8,623 SH   SOLE   8,587 0 36
XPO INC COM COM 983793100   479,578 3,930 SH   SOLE   3,930 0 0
ZSCALER INC COM COM 98980G102   499,490 2,593 SH   SOLE   2,593 0 0