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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
SPDR S&P 500 ETF TR TR UNIT 78462F103   25,382,589 62,001 SH   SOLE   0 0 62,001
BRISTOL-MYERS SQUIBB CO COM 110122108   2,235,525 32,254 SH   SOLE   0 0 32,254
EMERSON ELEC CO COM 291011104   2,203,509 25,287 SH   SOLE   0 0 25,287
TEGNA INC COM 87901J105   972,207 57,493 SH   SOLE   0 0 57,493
QUALCOMM INC COM 747525103   2,406,159 18,860 SH   SOLE   0 0 18,860
DISNEY WALT CO COM 254687106   1,526,682 15,247 SH   SOLE   0 0 15,247
JOHNSON & JOHNSON COM 478160104   2,005,855 12,941 SH   SOLE   0 0 12,941
PFIZER INC COM 717081103   1,872,108 45,885 SH   SOLE   0 0 45,885
LOWES COS INC COM 548661107   2,358,246 11,793 SH   SOLE   0 0 11,793
UNITED PARCEL SERVICE INC CL B 911312106   2,414,594 12,447 SH   SOLE   0 0 12,447
CISCO SYS INC COM 17275R102   3,679,900 70,395 SH   SOLE   0 0 70,395
DELUXE CORP COM 248019101   228,368 14,273 SH   SOLE   0 0 14,273
INTERNATIONAL BUSINESS MACHS COM 459200101   1,924,926 14,684 SH   SOLE   0 0 14,684
PEPSICO INC COM 713448108   2,313,387 12,690 SH   SOLE   0 0 12,690
VERIZON COMMUNICATIONS INC COM 92343V104   1,685,998 43,353 SH   SOLE   0 0 43,353
STARBUCKS CORP COM 855244109   1,473,127 14,147 SH   SOLE   0 0 14,147
TEXAS INSTRS INC COM 882508104   2,257,975 12,139 SH   SOLE   0 0 12,139
MERCK & CO INC COM 58933Y105   2,682,092 25,210 SH   SOLE   0 0 25,210
PROCTER AND GAMBLE CO COM 742718109   2,321,943 15,616 SH   SOLE   0 0 15,616
HP INC COM 40434L105   1,410,620 48,062 SH   SOLE   0 0 48,062
ISHARES TR 1 3 YR TREAS BD 464287457   21,373,267 260,142 SH   SOLE   0 0 260,142
ISHARES TR 7-10 YR TRSY BD 464287440   2,425,070 24,466 SH   SOLE   0 0 24,466
RAYTHEON TECHNOLOGIES CORP COM 75513E101   2,148,878 21,943 SH   SOLE   0 0 21,943
COMCAST CORP NEW CL A 20030N101   2,485,266 65,557 SH   SOLE   0 0 65,557
VANGUARD INDEX FDS TOTAL STK MKT 922908769   42,386,672 207,676 SH   SOLE   0 0 207,676
APPLE INC COM 037833100   5,581,744 33,849 SH   SOLE   0 0 33,849
GENERAL MLS INC COM 370334104   2,255,631 26,394 SH   SOLE   0 0 26,394
USANA HEALTH SCIENCES INC COM 90328M107   769,078 12,227 SH   SOLE   0 0 12,227
EATON CORP PLC SHS G29183103   2,119,990 12,373 SH   SOLE   0 0 12,373
HONDA MOTOR LTD AMERN SHS 438128308   2,184,206 82,454 SH   SOLE   0 0 82,454
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,433,315 15,327 SH   SOLE   0 0 15,327
KORN FERRY COM NEW 500643200   960,398 18,562 SH   SOLE   0 0 18,562
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   67,109,493 730,881 SH   SOLE   0 0 730,881
VISA INC COM CL A 92826C839   2,631,118 11,670 SH   SOLE   0 0 11,670
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   11,396,763 603,962 SH   SOLE   0 0 603,962
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,537,940 20,175 SH   SOLE   0 0 20,175
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   24,923,698 425,755 SH   SOLE   0 0 425,755
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,595,985 21,815 SH   SOLE   0 0 21,815
ALLISON TRANSMISSION HLDGS I COM 01973R101   544,192 12,029 SH   SOLE   0 0 12,029
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   16,054,561 335,729 SH   SOLE   0 0 335,729
ABBVIE INC COM 00287Y109   3,351,710 21,031 SH   SOLE   0 0 21,031
ISHARES TR TRS FLT RT BD 46434V860   1,971,897 38,978 SH   SOLE   0 0 38,978
ISHARES TR HDG MSCI EAFE 46434V803   7,541,255 255,896 SH   SOLE   0 0 255,896
ALPHABET INC CAP STK CL C 02079K107   1,439,256 13,839 SH   SOLE   0 0 13,839
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   958,872 25,652 SH   SOLE   0 0 25,652
ISHARES TR 0-3 MNTH TREASRY 46436E718   12,826,666 127,527 SH   SOLE   0 0 127,527