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
AT&T INC COM 00206R102   891 39,123 SH   SOLE   39,123 0 0
ABBVIE INC COM 00287Y109   478 2,688 SH   SOLE   2,688 0 0
AIR PRODS & CHEMS INC COM 009158106   927 3,195 SH   SOLE   3,195 0 0
ALPHABET INC CAP STK CL A 02079K305   55,315 292,207 SH   SOLE   292,207 0 0
ALTRIA GROUP INC COM 02209S103   1,168 22,341 SH   SOLE   22,341 0 0
AMAZON COM INC COM 023135106   17,200 78,397 SH   SOLE   78,397 0 0
AMEREN CORP COM 023608102   218 2,446 SH   SOLE   2,446 0 0
AMERICAN ELEC PWR CO INC COM 025537101   1,020 11,056 SH   SOLE   11,056 0 0
AMERICAN EXPRESS CO COM 025816109   614 2,070 SH   SOLE   2,070 0 0
AMERICAN TOWER CORP NEW COM 03027X100   561 3,056 SH   SOLE   3,056 0 0
CENCORA INC COM 03073E105   308 1,372 SH   SOLE   1,372 0 0
AMERIPRISE FINL INC COM 03076C106   209 393 SH   SOLE   393 0 0
AMETEK INC COM 031100100   290 1,609 SH   SOLE   1,609 0 0
AMGEN INC COM 031162100   711 2,729 SH   SOLE   2,729 0 0
AMPHENOL CORP NEW CL A 032095101   1,062 15,286 SH   SOLE   15,286 0 0
ANALOG DEVICES INC COM 032654105   380 1,788 SH   SOLE   1,788 0 0
ANTERO MIDSTREAM CORP COM 03676B102   674 44,693 SH   SOLE   44,693 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   674 4,081 SH   SOLE   4,081 0 0
APPLE INC COM 037833100   48,810 194,913 SH   SOLE   194,913 0 0
APPLIED MATLS INC COM 038222105   247 1,516 SH   SOLE   1,516 0 0
APTARGROUP INC COM 038336103   325 2,068 SH   SOLE   2,068 0 0
ARISTA NETWORKS INC COM 040413205   238 2,152 SH   SOLE   2,152 0 0
ATMOST ENERGY CORP COM 049560105   396 2,845 SH   SOLE   2,845 0 0
AUTOZONE INC COM 053332102   720 225 SH   SOLE   225 0 0
BANK AMERICA CORP COM 060505104   828 18,835 SH   SOLE   18,835 0 0
BANK NEW YORK MELLON CORP COM 064058100   380 4,945 SH   SOLE   4,945 0 0
BAXTER INTL INC COM 071813109   269 9,227 SH   SOLE   9,227 0 0
BECKTON DICKINSON & CO COM 075887109   884 3,897 SH   SOLE   3,897 0 0
BLACKROCK INC COM 09290D101   1,345 1,312 SH   SOLE   1,312 0 0
BONDBLOXX ETF TRUST BLOOMBERG TEN YR 09789C812   25,687 572,996 SH   SOLE   572,996 0 0
BOOKING HOLDINGS INC COM 09857L108   537 108 SH   SOLE   108 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,129 19,966 SH   SOLE   19,966 0 0
BROADCOM INC COM 11135F101   366 1,580 SH   SOLE   1,580 0 0
CME GROUP INC COM 12572Q105   1,705 7,341 SH   SOLE   7,341 0 0
CMS ENERGY CORP COM 125896100   242 3,627 SH   SOLE   3,627 0 0
CSX CORP COM 126408103   1,107 34,319 SH   SOLE   34,319 0 0
CVS HEALTH CORP COM 126650100   267 5,956 SH   SOLE   5,956 0 0
CANADIAN NTL RY CO COM 136375102   239 2,351 SH   SOLE   2,351 0 0
CAPITAL ONE FINL CORP COM 14040H105   459 2,576 SH   SOLE   2,576 0 0
CATERPILLAR INC COM 149123101   489 1,348 SH   SOLE   1,348 0 0
CHENIERE ENERGY INC COM NEW 16411R208   3,338 15,536 SH   SOLE   15,536 0 0
CHEVRON CORP NEW COM 166764100   2,213 15,282 SH   SOLE   15,282 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   451 7,486 SH   SOLE   7,486 0 0
CISCO SYS INC COM 17275R102   1,719 29,038 SH   SOLE   29,038 0 0
CITIGROUP INC COM NEW 172967424   516 7,324 SH   SOLE   7,324 0 0
CITIZENS FINL GROUP INC COM 174610105   338 7,735 SH   SOLE   7,735 0 0
COCA COLA CO COM 191216100   736 11,825 SH   SOLE   11,825 0 0
COLGATE PALMOLIVE CO COM 194162103   1,409 15,497 SH   SOLE   15,497 0 0
COMCAST CORP NEW CL A 20030N101   6,332 168,723 SH   SOLE   168,723 0 0
CONAGRA BRANDS INC COM 205887102   228 8,226 SH   SOLE   8,226 0 0
CONSOLIDATED EDISON INC COM 209115104   248 2,782 SH   SOLE   2,782 0 0
CROWN CASTLE INC COM 22822V101   481 5,304 SH   SOLE   5,304 0 0
CUMMINS INC COM 231021106   292 837 SH   SOLE   837 0 0
DT MIDSTREAM INC COMMON STOCK 23345M107   826 8,307 SH   SOLE   8,307 0 0
DECKERS OUTDOOR CORP COM 243537107   257 1,266 SH   SOLE   1,266 0 0
DEERE & CO COM 244199105   693 1,635 SH   SOLE   1,635 0 0
DISNEY WALT CO COM 254687106   6,330 56,848 SH   SOLE   56,848 0 0
DOLBY LABORATORIES INC COM CL A 25659T107   265 3,393 SH   SOLE   3,393 0 0
DOMINION ENERGY INC COM 25746U109   261 4,855 SH   SOLE   4,855 0 0
DONALDSON INC COM 257651109   268 3,985 SH   SOLE   3,985 0 0
DOVER CORP COM 260003108   238 1,268 SH   SOLE   1,268 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   983 9,128 SH   SOLE   9,128 0 0
EOG RES INC COM 26875P101   617 5,031 SH   SOLE   5,031 0 0
EDISON INTL COM 281020107   367 4,601 SH   SOLE   4,601 0 0
ELECTRONIC ARTS INC COM 285512109   1,495 10,222 SH   SOLE   10,222 0 0
EMERSON ELEC CO COM 291011104   1,122 9,055 SH   SOLE   9,055 0 0
ENCOMPASS HEALTH CORP COM 29261A100   211 2,284 SH   SOLE   2,284 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   4,274 218,192 SH   SOLE   218,192 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   2,775 88,487 SH   SOLE   88,487 0 0
EQUINIX INC COM 29444U700   446 473 SH   SOLE   473 0 0
EVERGY INC COM 30034W106   222 3,612 SH   SOLE   3,612 0 0
EXELIXIS INC COM 30161Q104   221 6,624 SH   SOLE   6,624 0 0
EXXON MOBIL CORP COM 30231G102   3,111 28,918 SH   SOLE   28,918 0 0
META PLATFORMS INC CL A 30303M102   22,550 38,514 SH   SOLE   38,514 0 0
FASTENAL CO COM 311900104   223 3,105 SH   SOLE   3,105 0 0
FEDERAL RLTY INVT TR NEW SH BEN INT NEW 313745101   662 5,910 SH   SOLE   5,910 0 0
FEDEX CORP COM 31428X106   366 1,301 SH   SOLE   1,301 0 0
F5 INC COM 315616102   222 884 SH   SOLE   884 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   11,134 60,223 SH   SOLE   60,223 0 0
FIFTH THIRD BANCORP COM 316773100   374 8,839 SH   SOLE   8,839 0 0
FRANKLIN TEMPLETON ETF TR FRANKLN SWZLND 35473P694   10,150 317,703 SH   SOLE   317,703 0 0
GENERAL MLS INC COM 370334104   209 3,283 SH   SOLE   3,283 0 0
GENERAL MTRS CO COM 37045V100   484 9,079 SH   SOLE   9,079 0 0
GILEAD SCIENCES INC COM 375558103   1,395 15,103 SH   SOLE   15,103 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   703 1,227 SH   SOLE   1,227 0 0
HCA HEALTHCARE INC COM 40412C101   645 2,148 SH   SOLE   2,148 0 0
HASBRO INC COM 418056107   260 4,650 SH   SOLE   4,650 0 0
HOME DEPOT INC COM 437076102   865 2,224 SH   SOLE   2,224 0 0
HONEYWELL INTL INC COM 438516106   1,507 6,673 SH   SOLE   6,673 0 0
HUNTINGTON BANCSHARES INC COM 446150104   404 24,829 SH   SOLE   24,829 0 0
INGREDION INC COM 457187102   264 1,918 SH   SOLE   1,918 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,219 8,180 SH   SOLE   8,180 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   301 1,371 SH   SOLE   1,371 0 0
INTUIT COM 461202103   389 619 SH   SOLE   619 0 0
ISHARES INC MSCI STH KOR ETF 464286772   10,650 209,268 SH   SOLE   209,268 0 0
ISHARES TR GLB CNSM STP ETF 464288737   15,486 256,859 SH   SOLE   256,859 0 0
ISHARES TR US TREAS BD ETF 46429B267   301,600 13,124,464 SH   SOLE   13,124,464 0 0
JPMORGAN CHASE & CO COM 46625H100   684 2,852 SH   SOLE   2,852 0 0
JOHNSON & JOHNSON COM 478160104   847 5,855 SH   SOLE   5,855 0 0
JUNIPER NETWORKS INC COM 48203R104   210 5,620 SH   SOLE   5,620 0 0
KLA CORP COM NEW 482480100   327 519 SH   SOLE   519 0 0
KENVUE INC COM 49177J102   265 12,392 SH   SOLE   12,392 0 0
KEYCORP COM 493267108   322 18,810 SH   SOLE   18,810 0 0
KIMBERLY-CLARK CORP COM 494368103   555 4,237 SH   SOLE   4,237 0 0
KINDER MORGAN INC DEL COM 49456B101   4,033 147,176 SH   SOLE   147,176 0 0
KROGER CO COM 501044101   287 4,700 SH   SOLE   4,700 0 0
LABCORP HOLDINGS INC COM SHS 504922105   264 1,150 SH   SOLE   1,150 0 0
LOWES COS INC COM 548661107   701 2,841 SH   SOLE   2,841 0 0
LULULEMON ATHLETICA INC COM 550021109   201 525 SH   SOLE   525 0 0
M & T BK CORP COM 55261F104   383 2,035 SH   SOLE   2,035 0 0
MPLX LP COM UNIT REP LTD 55336V100   1,751 36,577 SH   SOLE   36,577 0 0
MCDONALDS CORP COM 580135101   1,798 6,201 SH   SOLE   6,201 0 0
MCKESSON CORP COM 58155Q103   891 1,564 SH   SOLE   1,564 0 0
MICROSOFT CORP COM 594918104   52,059 123,508 SH   SOLE   123,508 0 0
MONDELEZ INTL INC CL A 609207105   1,312 21,964 SH   SOLE   21,964 0 0
MONSTER BEVERAGE CORP NEW COM 61174X109   841 15,998 SH   SOLE   15,998 0 0
MOODYS CORP COM 615369105   793 1,676 SH   SOLE   1,676 0 0
MORGAN STANLEY COM NEW 617446448   849 6,751 SH   SOLE   6,751 0 0
NRG ENERGY INC COM NEW 629377508   209 2,318 SH   SOLE   2,318 0 0
NASDAQ INC COM 631103108   232 2,997 SH   SOLE   2,997 0 0
NETAPP INC COM 64110D104   292 2,518 SH   SOLE   2,518 0 0
NETFLIX INC COM 64110L106   5,000 5,610 SH   SOLE   5,610 0 0
NEW FORTRESS ENERGY INC COM CL A 644393100   282 18,675 SH   SOLE   18,675 0 0
NIKE INC CL B 654106103   331 4,369 SH   SOLE   4,369 0 0
NISOURCE INC COM 65473P105   212 5,765 SH   SOLE   5,765 0 0
NORFOLK SOUTHN CORP COM 655844108   560 2,384 SH   SOLE   2,384 0 0
NORTHERN TR CORP COM 665859104   602 5,874 SH   SOLE   5,874 0 0
NORTHROP GRUMMAN CORP COM 666807102   917 1,953 SH   SOLE   1,953 0 0
NVIDIA CORPORATION COM 67066G104   21,339 158,904 SH   SOLE   158,904 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   1,106 933 SH   SOLE   933 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100   249 1,410 SH   SOLE   1,410 0 0
ONEOK INC NEW COM 682680103   3,339 33,260 SH   SOLE   33,260 0 0
PNC FINL SVCS GROUP INC COM 693475105   663 3,439 SH   SOLE   3,439 0 0
PACCAR INC COM 693718108   815 7,837 SH   SOLE   7,837 0 0
PACKAGING CORP AMER COM 695156109   248 1,100 SH   SOLE   1,100 0 0
PARKER-HANNIFIN CORP COM 701094104   861 1,353 SH   SOLE   1,353 0 0
PAYCHEX INC COM 704326107   209 1,493 SH   SOLE   1,493 0 0
PAYPAL HLDGS INC COM 70450Y103   313 3,663 SH   SOLE   3,663 0 0
PEPSICO INC COM 713448108   536 3,528 SH   SOLE   3,528 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   3,085 239,902 SH   SOLE   239,902 0 0
PFIZER INC COM 717081103   1,024 38,605 SH   SOLE   38,605 0 0
PHILIP MORRIS INTL INC COM 718172109   676 5,617 SH   SOLE   5,617 0 0
PDD HOLDINGS INC SPONSORED ADS 722304102   1,188 12,247 SH   SOLE   12,247 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105   1,603 93,864 SH   SOLE   93,864 0 0
PRICE T ROWE GROUP INC COM 74144T108   318 2,813 SH   SOLE   2,813 0 0
PROCTER AND GAMBLE CO COM 742718109   664 3,962 SH   SOLE   3,962 0 0
PUBLIC STORAGE COM 74460D109   405 1,351 SH   SOLE   1,351 0 0
QUALCOMM INC COM 747525103   316 2,057 SH   SOLE   2,057 0 0
QUEST DIAGNOSTICS INC COM 74834L100   301 1,993 SH   SOLE   1,993 0 0
RAYMOND JAMES FINL INC COM 754730109   289 1,859 SH   SOLE   1,859 0 0
REALTY INCOME CORP COM 756109104   206 3,861 SH   SOLE   3,861 0 0
REGENERON PHARMACEUTICALS COM 75886F107   680 954 SH   SOLE   954 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100   276 11,736 SH   SOLE   11,736 0 0
ROPER TECHNOLOGIES INC COM 776696106   1,069 2,057 SH   SOLE   2,057 0 0
SEI INVTS CO COM 784117103   320 3,880 SH   SOLE   3,880 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   5,731 127,586 SH   SOLE   127,586 0 0
SCHWAB CHARLES CORP COM 808513105   615 8,314 SH   SOLE   8,314 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   18,207 626,746 SH   SOLE   626,746 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   23,997 1,139,456 SH   SOLE   1,139,456 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   45,491 1,890,735 SH   SOLE   1,890,735 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   4,271 50,763 SH   SOLE   50,763 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   4,231 55,901 SH   SOLE   55,901 0 0
SEMPRA COM 816851109   899 10,248 SH   SOLE   10,248 0 0
SHERWIN WILLIAMS CO COM 824348106   964 2,837 SH   SOLE   2,837 0 0
SIMON PPTY GROUP INC NEW COM 828806109   882 5,123 SH   SOLE   5,123 0 0
SNAP ON INC COM 833034101   248 732 SH   SOLE   732 0 0
SOUTHERN CO COM 842587107   864 10,492 SH   SOLE   10,492 0 0
STARBUCKS CORP COM 855244109   669 7,327 SH   SOLE   7,327 0 0
STATE STR CORP COM 857477103   358 3,652 SH   SOLE   3,652 0 0
STRYKER CORPORATION COM 863667101   897 2,492 SH   SOLE   2,492 0 0
TJX COS INC NEW COM 872540109   1,134 9,390 SH   SOLE   9,390 0 0
T-MOBILE US INC COM 872590104   1,582 7,165 SH   SOLE   7,165 0 0
TARGA RES CORP COM 87612G101   1,220 6,837 SH   SOLE   6,837 0 0
TENCENT MUSIC ENTMT GROUP SPON ADS 88034P109   1,510 133,039 SH   SOLE   133,039 0 0
TEXAS INSTRS INC COM 882508104   1,009 5,380 SH   SOLE   5,380 0 0
3M CO COM 88579Y101   647 5,009 SH   SOLE   5,009 0 0
TOLL BROTHERS INC COM 889478103   215 1,708 SH   SOLE   1,708 0 0
TRUIST FINL CORP COM 89832Q109   678 15,631 SH   SOLE   15,631 0 0
TYSON FOODS INC CL A 902494103   245 4,257 SH   SOLE   4,257 0 0
US BANCORP DEL COM NEW 902973304   933 19,514 SH   SOLE   19,514 0 0
ULTA BEAUTY INC COM 90384S303   201 462 SH   SOLE   462 0 0
UNION PAC CORP COM 907818108   908 3,983 SH   SOLE   3,983 0 0
UNITED PARCEL SERVICE INC CL B 911312106   637 5,052 SH   SOLE   5,052 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   5,942 64,083 SH   SOLE   64,083 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,737 56,529 SH   SOLE   56,529 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   78,907 373,293 SH   SOLE   373,293 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   69,705 274,766 SH   SOLE   274,766 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   12,060 207,938 SH   SOLE   207,938 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   116,296 2,564,973 SH   SOLE   2,564,973 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   8,233 148,747 SH   SOLE   148,747 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   48,062 598,754 SH   SOLE   598,754 0 0
VENTAS INC COM 92276F100   221 3,751 SH   SOLE   3,751 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   70,820 244,368 SH   SOLE   244,368 0 0
VERISGN INC COM 92343E102   206 995 SH   SOLE   995 0 0
VERIZON COMMUNICATION INC COM 92343V104   6,863 171,610 SH   SOLE   171,610 0 0
VISA INC COM CL A 92826C839   1,796 5,684 SH   SOLE   5,684 0 0
WASTE MGMT INC DEL COM 94106L109   1,221 6,050 SH   SOLE   6,050 0 0
WELLS FARGO CO NEW COM 949746101   877 12,484 SH   SOLE   12,484 0 0
WESTERN MIDSTREAM PARTNERS L COM UNIT LP INT 958669103   1,076 28,006 SH   SOLE   28,006 0 0
WESTERN UN CO COM 959802109   163 15,344 SH   SOLE   15,344 0 0
WILLIAMS COS INC COM 969457100   3,444 63,640 SH   SOLE   63,640 0 0
XCEL ENERGY INC COM 98389B100   221 3,274 SH   SOLE   3,274 0 0
ZOETIS INC CL A 98978V103   348 2,133 SH   SOLE   2,133 0 0
AMCOR PLC ORD G0250X107   433 46,018 SH   SOLE   46,018 0 0
AMDOCS LTD SHS G02602103   259 3,046 SH   SOLE   3,046 0 0
AON PLC SHS CL A G0403H108   694 1,933 SH   SOLE   1,933 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   416 1,183 SH   SOLE   1,183 0 0
EATON CORP PLC SHS G29183103   639 1,925 SH   SOLE   1,925 0 0
JOHNSON CTLS INTL PLC SHS G51502105   493 6,250 SH   SOLE   6,250 0 0
MEDTRONIC PLC SHS G5960L103   1,485 18,596 SH   SOLE   18,596 0 0
GARMIN LTD SHS H2906T109   331 1,603 SH   SOLE   1,603 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104   422 2,259 SH   SOLE   2,259 0 0