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   6,691,246 48,948 SH   SOLE   48,752 0 196
ABBOTT LABS COM COM 002824100   4,031,995 35,365 SH   SOLE   35,173 0 192
ABBVIE INC COM COM 00287Y109   4,918,102 24,904 SH   SOLE   24,786 0 118
ABRDN PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104   6,769,168 269,366 SH   SOLE   269,366 0 0
AMAZON COM INC COM COM 023135106   1,545,607 8,295 SH   SOLE   8,295 0 0
AMERICAN ELEC PWR CO INC COM COM 025537101   462,623 4,509 SH   SOLE   4,509 0 0
AMERICAN HEALTHCARE REIT INC COM SHS COM SHS 398182303   480,266 18,401 SH   SOLE   18,401 0 0
AMGEN INC COM COM 031162100   4,472,585 13,881 SH   SOLE   13,819 0 61
ANALOG DEVICES INC COM COM 032654105   3,333,283 14,482 SH   SOLE   14,422 0 59
APPLE INC COM COM 037833100   7,424,239 31,864 SH   SOLE   31,863 0 0
ARISTA NETWORKS INC COM COM 040413106   317,803 828 SH   SOLE   828 0 0
ARM HOLDINGS PLC SPONSORED ADS SPONSORED ADS 042068205   515,408 3,604 SH   SOLE   3,604 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108   5,043,483 64,735 SH   SOLE   64,479 0 255
AUTOMATIC DATA PROCESSING INC COM COM 053015103   4,533,143 16,381 SH   SOLE   16,297 0 84
BANK NEW YORK MELLON CORP COM COM 064058100   4,334,308 60,316 SH   SOLE   60,072 0 244
BARINGS BDC INC COM COM 06759L103   159,662 16,292 SH   SOLE   16,292 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702   4,310,335 9,365 SH   SOLE   9,326 0 39
BROADCOM INC COM COM 11135F101   6,631,509 38,444 SH   SOLE   38,333 0 110
CAPITAL SOUTHWEST CORP COM COM 140501107   421,053 16,649 SH   SOLE   16,649 0 0
CARVANA CO CL A CL A 146869102   223,035 1,281 SH   SOLE   1,281 0 0
CHENIERE ENERGY INC COM NEW COM NEW 16411R208   2,532,687 14,083 SH   SOLE   14,036 0 47
CHEVRON CORP NEW COM COM 166764100   4,142,533 28,129 SH   SOLE   28,000 0 128
CION INVT CORP COM COM 17259U204   7,844,164 659,173 SH   SOLE   647,721 0 11,452
CITIGROUP INC COM NEW COM NEW 172967424   4,483,754 71,625 SH   SOLE   71,329 0 296
CITIZENS FINL GROUP INC COM COM 174610105   240,301 5,851 SH   SOLE   5,851 0 0
COHERENT CORP COM COM 19247G107   679,717 7,645 SH   SOLE   7,645 0 0
COMMVAULT SYS INC COM COM 204166102   648,478 4,215 SH   SOLE   4,215 0 0
CONOCOPHILLIPS COM COM 20825C104   3,847,825 36,548 SH   SOLE   36,372 0 176
CONSTELLATION ENERGY CORP COM COM 21037T109   667,471 2,567 SH   SOLE   2,567 0 0
CORNING INC COM COM 219350105   269,591 5,971 SH   SOLE   5,971 0 0
DIMENSIONAL U.S. SMALL CAP ETF US SMALL CAP ETF 25434V500   5,157,035 79,510 SH   SOLE   79,510 0 0
EDISON INTL COM COM 281020107   5,171,407 59,380 SH   SOLE   59,106 0 274
ELEVANCE HEALTH INC COM COM 036752103   3,113,474 5,987 SH   SOLE   5,963 0 24
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506   2,384,911 27,163 SH   SOLE   27,163 0 0
EXXON MOBIL CORP COM COM 30231G102   5,062,748 43,190 SH   SOLE   43,007 0 183
FAIR ISAAC CORP COM COM 303250104   258,488 133 SH   SOLE   133 0 0
FS KKR CAP CORP COM COM 302635206   614,911 31,166 SH   SOLE   31,166 0 0
GAMESTOP CORP NEW CL A CL A 36467W109   845,796 36,886 SH   SOLE   36,886 0 0
GE AEROSPACE COM NEW COM NEW 369604301   366,600 1,944 SH   SOLE   1,944 0 0
GENERAL DYNAMICS CORP COM COM 369550108   2,492,243 8,247 SH   SOLE   8,219 0 28
GENUINE PARTS CO COM COM 372460105   3,946,976 28,257 SH   SOLE   28,107 0 150
GOLDMAN SACHS GROUP INC COM COM 38141G104   284,688 575 SH   SOLE   575 0 0
HALOZYME THERAPEUTICS INC COM COM 40637H109   598,101 10,449 SH   SOLE   10,449 0 0
HOWMET AEROSPACE INC COM COM 443201108   259,748 2,591 SH   SOLE   2,591 0 0
INTERNATIONAL PAPER CO COM COM 460146103   5,386,290 110,262 SH   SOLE   109,797 0 464
INTUIT COM COM 461202103   2,523,123 4,063 SH   SOLE   4,047 0 16
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602   529,589 1,078 SH   SOLE   1,078 0 0
INVESCO QQQ TRUST SERIES I UNIT SER 1 46090E103   29,462,850 60,366 SH   SOLE   60,162 0 204
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357   310,126 1,731 SH   SOLE   1,731 0 0
INVESCO S&P GLOBAL WATER INDEX ETF S&P GBL WATER 46138E263   259,182 4,235 SH   SOLE   4,235 0 0
IQVIA HLDGS INC COM COM 46266C105   2,888,190 12,188 SH   SOLE   12,142 0 46
IRON MTN INC DEL COM COM 46284V101   269,506 2,268 SH   SOLE   2,268 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 1-5YR INVS 464288646   4,944,895 93,902 SH   SOLE   93,718 0 184
ISHARES GOLD TRUST ISHARES NEW 464285204   1,447,513 29,125 SH   SOLE   29,125 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513   9,076,550 113,033 SH   SOLE   113,033 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242   9,029,927 79,925 SH   SOLE   79,925 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465   23,079,204 275,968 SH   SOLE   274,786 0 1,182
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655   14,352,107 64,974 SH   SOLE   64,642 0 332
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309   38,217,678 399,140 SH   SOLE   397,311 0 1,829
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606   22,960,365 249,759 SH   SOLE   248,695 0 1,064
ISHARES S&P SMALL-CAP 600 GROWTH ETF S&P SML 600 GWT 464287887   14,368,446 103,007 SH   SOLE   102,483 0 524
ISHARES U.S. FINANCIALS ETF U.S. FINLS ETF 464287788   9,501,239 91,446 SH   SOLE   91,446 0 0
ISHARES U.S. REAL ESTATE ETF U.S. REAL ES ETF 464287739   24,098,469 236,561 SH   SOLE   235,823 0 738
ISHARES U.S. TECHNOLOGY ETF U.S. TECH ETF 464287721   9,475,037 62,492 SH   SOLE   62,492 0 0
ISHARES U.S. UTILITIES ETF U.S. UTILITS ETF 464287697   9,694,042 95,021 SH   SOLE   95,021 0 0
JPMORGAN CHASE & CO. COM COM 46625H100   4,769,376 22,619 SH   SOLE   22,523 0 95
KIMBERLY-CLARK CORP COM COM 494368103   4,684,858 32,927 SH   SOLE   32,786 0 141
KLA CORP COM NEW COM NEW 482480100   499,494 645 SH   SOLE   645 0 0
LANTHEUS HLDGS INC COM COM 516544103   646,537 5,891 SH   SOLE   5,891 0 0
LOWES COS INC COM COM 548661107   3,560,844 13,147 SH   SOLE   13,093 0 53
MASTERCARD INCORPORATED CL A CL A 57636Q104   2,768,596 5,607 SH   SOLE   5,584 0 22
MCDONALDS CORP COM COM 580135101   4,305,254 14,138 SH   SOLE   14,059 0 79
MERCK & CO INC COM COM 58933Y105   3,956,819 34,843 SH   SOLE   34,687 0 156
METLIFE INC COM COM 59156R108   4,779,999 57,953 SH   SOLE   57,677 0 276
MICROSOFT CORP COM COM 594918104   5,168,408 12,011 SH   SOLE   11,967 0 44
MOHAWK INDS INC COM COM 608190104   254,838 1,586 SH   SOLE   1,586 0 0
MONOLITHIC PWR SYS INC COM COM 609839105   306,934 332 SH   SOLE   332 0 0
NETAPP INC COM COM 64110D104   250,849 2,031 SH   SOLE   2,031 0 0
NEWMONT CORP COM COM 651639106   295,579 5,530 SH   SOLE   5,530 0 0
NIKE INC CL B CL B NEW 654106103   1,614,891 18,268 SH   SOLE   18,213 0 55
NOVO-NORDISK A S ADR SPONSORED ADR 670100205   2,968,415 24,930 SH   SOLE   24,832 0 98
NRG ENERGY INC COM NEW COM NEW 629377508   284,505 3,123 SH   SOLE   3,123 0 0
NU HLDGS LTD ORD SHS CL A CL A G6683N103   183,128 13,416 SH   SOLE   13,416 0 0
NVIDIA CORPORATION COM COM 67066G104   1,680,730 13,840 SH   SOLE   13,840 0 0
OMNICOM GROUP INC COM COM 681919106   4,733,530 45,783 SH   SOLE   45,565 0 218
OREILLY AUTOMOTIVE INC COM COM 67103H107   4,101,999 3,562 SH   SOLE   3,546 0 16
PHILLIPS 66 COM COM 718546104   4,253,017 32,355 SH   SOLE   32,206 0 148
PILGRIMS PRIDE CORP COM COM 72147K108   681,310 14,795 SH   SOLE   14,795 0 0
POLARIS INC COM COM 731068102   1,907,028 22,910 SH   SOLE   22,837 0 73
PROCTER AND GAMBLE CO COM COM 742718109   4,313,557 24,905 SH   SOLE   24,787 0 118
PROSHARES ULTRA S&P 500 PSHS ULT S&P 500 74347R107   237,147 2,630 SH   SOLE   2,630 0 0
QUALCOMM INC COM COM 747525103   4,289,933 25,227 SH   SOLE   25,132 0 95
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC 81369Y860   2,299,963 51,488 SH   SOLE   51,487 0 0
ROBINHOOD MKTS INC COM CL A COM CL A 770700102   222,794 9,513 SH   SOLE   9,513 0 0
ROYAL CARIBBEAN GROUP COM COM V7780T103   325,278 1,834 SH   SOLE   1,834 0 0
ROYAL GOLD INC COM COM 780287108   291,684 2,079 SH   SOLE   2,079 0 0
RTX CORPORATION COM COM 75513E101   8,379,230 69,158 SH   SOLE   68,860 0 298
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706   2,743,772 94,029 SH   SOLE   94,029 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805   25,812,998 627,748 SH   SOLE   627,220 0 528
SCHWAB SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862   1,667,838 34,051 SH   SOLE   34,051 0 0
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102   14,126,879 212,370 SH   SOLE   212,029 0 341
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201   42,609,386 627,994 SH   SOLE   627,658 0 335
SCHWAB U.S. LARGE-CAP GROWTH ETF US LCAP GR ETF 808524300   265,659 2,550 SH   SOLE   2,550 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508   586,286 7,056 SH   SOLE   7,056 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797   12,798,798 151,411 SH   SOLE   151,153 0 258
SCHWAB US TIPS ETF US TIPS ETF 808524870   701,856 13,087 SH   SOLE   13,087 0 0
SOUTHERN CO COM COM 842587107   209,205 2,320 SH   SOLE   2,319 0 0
SPDR GOLD SHARES GOLD SHS 78463V107   11,378,854 46,815 SH   SOLE   46,815 0 0
SPDR PORTFOLIO S&P 400 MID CAP ETF PORTFOLIO S&P400 78464A847   11,596,808 212,085 SH   SOLE   211,690 0 395
SPDR PORTFOLIO S&P 600 SMALL CAP ETF PORTFOLIO S&P600 78468R853   1,304,089 28,655 SH   SOLE   28,655 0 0
SPDR S&P 500 ETF TRUST TR UNIT 78462F103   59,986,345 104,550 SH   SOLE   104,185 0 364
SPROUTS FMRS MKT INC COM COM 85208M102   483,927 4,383 SH   SOLE   4,383 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100   5,245,876 30,206 SH   SOLE   30,073 0 133
TARGA RES CORP COM COM 87612G101   256,353 1,732 SH   SOLE   1,732 0 0
TENET HEALTHCARE CORP COM NEW COM NEW 88033G407   641,200 3,858 SH   SOLE   3,858 0 0
TESLA INC COM COM 88160R101   650,412 2,486 SH   SOLE   2,486 0 0
TEXAS INSTRS INC COM COM 882508104   4,750,187 22,996 SH   SOLE   22,898 0 97
THE TRADE DESK INC COM CL A COM CL A 88339J105   490,793 4,476 SH   SOLE   4,476 0 0
TRANE TECHNOLOGIES PLC SHS SHS G8994E103   206,027 530 SH   SOLE   530 0 0
TRIMBLE INC COM COM 896239100   259,909 4,186 SH   SOLE   4,186 0 0
TYLER TECHNOLOGIES INC COM COM 902252105   240,493 412 SH   SOLE   412 0 0
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704   5,185,356 79,824 SH   SOLE   79,473 0 350
UNITED PARCEL SERVICE INC CL B CL B NEW 911312106   3,938,072 28,884 SH   SOLE   28,738 0 146
UNIVERSAL HLTH SVCS INC CL B CL B 913903100   236,109 1,031 SH   SOLE   1,031 0 0
UWM HOLDINGS CORPORATION COM CL A COM CL A 91823B109   146,570 17,203 SH   SOLE   17,203 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF HIGH DIV YLD 921946406   429,085 3,347 SH   SOLE   3,347 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF INTERMED TERM 921937819   27,005,251 344,587 SH   SOLE   344,290 0 296
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363   454,228 861 SH   SOLE   860 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835   2,584,310 34,407 SH   SOLE   34,407 0 0
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   596,125 2,105 SH   SOLE   2,105 0 0
VERISIGN INC COM COM 92343E102   1,686,085 8,876 SH   SOLE   8,852 0 24
VISTRA CORP COM COM 92840M102   743,009 6,268 SH   SOLE   6,268 0 0
WALMART INC COM COM 931142103   5,374,335 66,555 SH   SOLE   66,273 0 282
WASTE MGMT INC DEL COM COM 94106L109   4,538,372 21,861 SH   SOLE   21,768 0 93
WORKDAY INC CL A CL A 98138H101   2,309,675 9,450 SH   SOLE   9,414 0 36