3M CO COM COM 88579Y101 5908156 45768 SH SOLE 45609 0 158 ABBOTT LABS COM COM 002824100 4193553 37075 SH SOLE 36892 0 182 ABBVIE INC COM COM 00287Y109 4618397 25990 SH SOLE 25880 0 109 ABRDN PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104 4583749 182984 SH SOLE 182984 0 0 AFFIRM HLDGS INC COM CL A COM CL A 00827B106 231785 3806 SH SOLE 3806 0 0 ALPHABET INC CAP STK CL C COM CL C 02079K107 2062656 10831 SH SOLE 10803 0 28 AMAZON COM INC COM COM 023135106 3649333 16634 SH SOLE 16609 0 25 AMERICAN HEALTHCARE REIT INC COM SHS COM SHS 398182303 278652 9805 SH SOLE 9804 0 0 AMGEN INC COM COM 031162100 3838550 14727 SH SOLE 14662 0 65 ANALOG DEVICES INC COM COM 032654105 3063294 14418 SH SOLE 14359 0 59 APOLLO GLOBAL MGMT INC COM COM 03769M106 357571 2165 SH SOLE 2165 0 0 APPLE INC COM COM 037833100 7402616 29561 SH SOLE 29560 0 0 APPLOVIN CORP COM CL A COM CL A 03831W108 346498 1070 SH SOLE 1070 0 0 ARISTA NETWORKS INC COM SHS COM SHS 040413205 275220 2490 SH SOLE 2490 0 0 ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108 4155916 63430 SH SOLE 63154 0 275 AUTOMATIC DATA PROCESSING INC COM COM 053015103 4841144 16538 SH SOLE 16464 0 73 AXON ENTERPRISE INC COM COM 05464C101 1002024 1686 SH SOLE 1686 0 0 BANK NEW YORK MELLON CORP COM COM 064058100 4451607 57941 SH SOLE 57697 0 244 BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 4181508 9225 SH SOLE 9186 0 39 BLACKSTONE INC COM COM 09260D107 1113316 6457 SH SOLE 6457 0 0 BROADCOM INC COM COM 11135F101 7352568 31714 SH SOLE 31600 0 113 CARNIVAL CORP PAIRED CTF UNIT 99/99/9999 143658300 1185868 47587 SH SOLE 47587 0 0 CARVANA CO CL A CL A 146869102 237118 1166 SH SOLE 1166 0 0 CAVA GROUP INC COM COM 148929102 221990 1968 SH SOLE 1968 0 0 CBRE GROUP INC CL A CL A 12504L109 882138 6719 SH SOLE 6719 0 0 CHENIERE ENERGY INC COM NEW COM NEW 16411R208 2957660 13765 SH SOLE 13717 0 47 CHEVRON CORP NEW COM COM 166764100 4213544 29091 SH SOLE 28952 0 139 CION INVT CORP COM COM 17259U204 5967497 523465 SH SOLE 512012 0 11452 CITIGROUP INC COM NEW COM NEW 172967424 5065656 71966 SH SOLE 71632 0 333 CONOCOPHILLIPS COM COM 20825C104 3897445 39301 SH SOLE 39112 0 188 CONSTELLATION ENERGY CORP COM COM 21037T109 1040028 4649 SH SOLE 4649 0 0 DIMENSIONAL U.S. SMALL CAP ETF US SMALL CAP ETF 25434V500 5223276 80259 SH SOLE 80259 0 0 DOORDASH INC CL A CL A 25809K105 313860 1871 SH SOLE 1871 0 0 EDISON INTL COM COM 281020107 4830188 60498 SH SOLE 60246 0 252 ELEVANCE HEALTH INC COM COM 036752103 2375949 6441 SH SOLE 6416 0 24 EXXON MOBIL CORP COM COM 30231G102 4799962 44622 SH SOLE 44445 0 176 FAIR ISAAC CORP COM COM 303250104 750581 377 SH SOLE 377 0 0 FISERV INC COM COM 337738108 243628 1186 SH SOLE 1186 0 0 FS KKR CAP CORP COM COM 302635206 676932 31166 SH SOLE 31166 0 0 GENERAL DYNAMICS CORP COM COM 369550108 2193027 8323 SH SOLE 8295 0 28 GENUINE PARTS CO COM COM 372460105 3682678 31541 SH SOLE 31383 0 157 HOWMET AEROSPACE INC COM COM 443201108 900990 8238 SH SOLE 8238 0 0 INTERNATIONAL PAPER CO COM COM 460146103 5817992 108101 SH SOLE 107650 0 450 INTUIT COM COM 461202103 2527827 4022 SH SOLE 4006 0 16 INVESCO QQQ TRUST SERIES I UNIT SER 1 46090E103 4034145 7891 SH SOLE 7891 0 0 INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 303323 1731 SH SOLE 1731 0 0 INVESCO S&P GLOBAL WATER INDEX ETF S&P GBL WATER 46138E263 229537 4235 SH SOLE 4235 0 0 IQVIA HLDGS INC COM COM 46266C105 2476419 12602 SH SOLE 12556 0 46 IRON MTN INC DEL COM COM 46284V101 753113 7165 SH SOLE 7165 0 0 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 1-5YR INVS 464288646 4715401 91207 SH SOLE 91022 0 184 ISHARES GOLD TRUST ISHARES NEW 464285204 834392 16853 SH SOLE 16853 0 0 ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 8755318 111320 SH SOLE 111320 0 0 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 8528717 79827 SH SOLE 79827 0 0 ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 617362 2794 SH SOLE 2794 0 0 ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 39409422 388155 SH SOLE 386330 0 1825 ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 35591867 186462 SH SOLE 185586 0 876 ISHARES S&P SMALL-CAP 600 VALUE ETF SP SMCP600VL ETF 464287879 611040 5626 SH SOLE 5626 0 0 ISHARES U.S. CONSUMER DISCRETIONARY ETF U.S. CNSM SV ETF 464287580 11564777 120291 SH SOLE 120291 0 0 ISHARES U.S. FINANCIALS ETF U.S. FINLS ETF 464287788 11595087 104857 SH SOLE 104857 0 0 ISHARES U.S. REAL ESTATE ETF U.S. REAL ES ETF 464287739 34458071 370278 SH SOLE 368573 0 1705 ISHARES U.S. TECHNOLOGY ETF U.S. TECH ETF 464287721 834768 5233 SH SOLE 5233 0 0 ISHARES U.S. TELECOMMUNICATIONS ETF US TELECOM ETF 464287713 11821378 440603 SH SOLE 440603 0 0 ISHARES U.S. UTILITIES ETF U.S. UTILITS ETF 464287697 10118117 105167 SH SOLE 105167 0 0 JPMORGAN CHASE & CO. COM COM 46625H100 5384865 22464 SH SOLE 22365 0 99 KIMBERLY-CLARK CORP COM COM 494368103 4456297 34007 SH SOLE 33858 0 149 KINDER MORGAN INC DEL COM COM 49456B101 896610 32723 SH SOLE 32723 0 0 KKR & CO INC COM COM 48251W104 251447 1700 SH SOLE 1700 0 0 LOWES COS INC COM COM 548661107 3216791 13034 SH SOLE 12981 0 53 M & T BK CORP COM COM 55261F104 783250 4166 SH SOLE 4166 0 0 MASTERCARD INCORPORATED CL A CL A 57636Q104 2888634 5486 SH SOLE 5463 0 22 MCDONALDS CORP COM COM 580135101 4215811 14543 SH SOLE 14473 0 69 MERCK & CO INC COM COM 58933Y105 3883558 39039 SH SOLE 38846 0 192 METLIFE INC COM COM 59156R108 4785969 58451 SH SOLE 58200 0 251 MICROSOFT CORP COM COM 594918104 5159709 12241 SH SOLE 12189 0 52 MORGAN STANLEY COM NEW COM NEW 617446448 246537 1961 SH SOLE 1961 0 0 NORWEGIAN CRUISE LINE HLDG LTD SHS SHS G66721104 974498 37874 SH SOLE 37874 0 0 NOVO-NORDISK A S ADR SPONSORED ADR 670100205 2171747 25247 SH SOLE 25149 0 98 NVIDIA CORPORATION COM COM 67066G104 1394602 10385 SH SOLE 10385 0 0 OMNICOM GROUP INC COM COM 681919106 4096115 47607 SH SOLE 47400 0 207 ORACLE CORP COM COM 68389X105 1036334 6219 SH SOLE 6219 0 0 OREILLY AUTOMOTIVE INC COM COM 67103H107 4108797 3465 SH SOLE 3449 0 16 PALANTIR TECHNOLOGIES INC CL A CL A 69608A108 522376 6907 SH SOLE 6907 0 0 PHILLIPS 66 COM COM 718546104 3982526 34956 SH SOLE 34801 0 154 PROCTER AND GAMBLE CO COM COM 742718109 4316078 25745 SH SOLE 25619 0 125 PROSHARES ULTRA S&P 500 PSHS ULT S&P 500 74347R107 13169539 142358 SH SOLE 142358 0 0 QUALCOMM INC COM COM 747525103 5619579 36581 SH SOLE 36429 0 152 REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC 81369Y860 2244740 55194 SH SOLE 55193 0 0 ROBINHOOD MKTS INC COM CL A COM CL A 770700102 263726 7078 SH SOLE 7078 0 0 ROYAL CARIBBEAN GROUP COM COM V7780T103 1158987 5024 SH SOLE 5024 0 0 ROYAL GOLD INC COM COM 780287108 274116 2079 SH SOLE 2079 0 0 RTX CORPORATION COM COM 75513E101 7985336 69006 SH SOLE 68733 0 272 SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706 2588539 97204 SH SOLE 97203 0 0 SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 23147829 1251234 SH SOLE 1250178 0 1056 SCHWAB SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862 1799172 74779 SH SOLE 74778 0 0 SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 12453279 548603 SH SOLE 547579 0 1023 SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201 39967271 1724214 SH SOLE 1723208 0 1005 SCHWAB U.S. LARGE-CAP GROWTH ETF US LCAP GR ETF 808524300 265211 9516 SH SOLE 9516 0 0 SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 587237 21192 SH SOLE 21192 0 0 SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 11139383 407737 SH SOLE 406963 0 774 SCHWAB US TIPS ETF US TIPS ETF 808524870 753048 29154 SH SOLE 29154 0 0 SOFI TECHNOLOGIES INC COM COM 83406F102 273904 17786 SH SOLE 17786 0 0 SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST UT SER 1 78467X109 36571725 85950 SH SOLE 85543 0 407 SPDR GOLD SHARES GOLD SHS 78463V107 15028283 62067 SH SOLE 62067 0 0 SPDR PORTFOLIO S&P 400 MID CAP ETF PORTFOLIO S&P400 78464A847 10221397 186897 SH SOLE 186502 0 395 SPDR PORTFOLIO S&P 600 SMALL CAP ETF PORTFOLIO S&P600 78468R853 1287183 28655 SH SOLE 28655 0 0 SPDR S&P 500 ETF TRUST TR UNIT 78462F103 57941092 98862 SH SOLE 98498 0 364 SPOTIFY TECHNOLOGY S A SHS SHS L8681T102 256796 574 SH SOLE 574 0 0 SYNCHRONY FINANCIAL COM COM 87165B103 872235 13419 SH SOLE 13419 0 0 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100 5448354 27588 SH SOLE 27455 0 133 TARGA RES CORP COM COM 87612G101 843770 4727 SH SOLE 4727 0 0 TESLA INC COM COM 88160R101 2349541 5818 SH SOLE 5818 0 0 TEXAS INSTRS INC COM COM 882508104 4432537 23639 SH SOLE 23534 0 104 THE TRADE DESK INC COM CL A COM CL A 88339J105 292062 2485 SH SOLE 2485 0 0 T-MOBILE US INC COM COM 872590104 296882 1345 SH SOLE 1345 0 0 TOAST INC CL A CL A 888787108 223949 6144 SH SOLE 6144 0 0 UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 4655960 82116 SH SOLE 81777 0 338 UNITED AIRLS HLDGS INC COM COM 910047109 1295120 13338 SH SOLE 13338 0 0 UNITED PARCEL SERVICE INC CL B CL B NEW 911312106 3905654 30973 SH SOLE 30814 0 158 VANGUARD HIGH DIVIDEND YIELD INDEX ETF HIGH DIV YLD 921946406 427171 3348 SH SOLE 3348 0 0 VANGUARD INTERMEDIATE-TERM BOND ETF INTERMED TERM 921937819 26685573 357093 SH SOLE 356797 0 296 VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 438478 814 SH SOLE 813 0 0 VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835 3149802 43802 SH SOLE 43802 0 0 VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769 243841 841 SH SOLE 841 0 0 VERTIV HOLDINGS CO COM CL A COM CL A 92537N108 236195 2079 SH SOLE 2079 0 0 VISTRA CORP COM COM 92840M102 1133291 8220 SH SOLE 8220 0 0 WALMART INC COM COM 931142103 5843227 64673 SH SOLE 64408 0 265 WASTE MGMT INC DEL COM COM 94106L109 4514430 22372 SH SOLE 22272 0 99 WILLIAMS COS INC COM COM 969457100 863160 15949 SH SOLE 15949 0 0 WORKDAY INC CL A CL A 98138H101 2408968 9336 SH SOLE 9300 0 36