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
ISHARES TR CORE S&P MCP ETF 464287507   203,693 779 SH   SOLE   0 0 779
ISHARES TR CORE S&P500 ETF 464287200   1,235,954 2,773 SH   SOLE   0 0 2,773
ISHARES TR RUS 1000 VAL ETF 464287598   419,039 2,655 SH   SOLE   0 0 2,655
SPDR S&P 500 ETF TR TR UNIT 78462F103   26,840,161 60,549 SH   SOLE   0 0 60,549
BRISTOL-MYERS SQUIBB CO COM 110122108   2,116,169 33,091 SH   SOLE   0 0 33,091
EMERSON ELEC CO COM 291011104   2,336,853 25,853 SH   SOLE   0 0 25,853
TEGNA INC COM 87901J105   935,067 57,578 SH   SOLE   0 0 57,578
QUALCOMM INC COM 747525103   2,310,685 19,411 SH   SOLE   0 0 19,411
DISNEY WALT CO COM 254687106   1,427,855 15,993 SH   SOLE   0 0 15,993
JOHNSON & JOHNSON COM 478160104   2,189,830 13,230 SH   SOLE   0 0 13,230
PFIZER INC COM 717081103   1,739,366 47,420 SH   SOLE   0 0 47,420
KROGER CO COM 501044101   2,181,223 46,409 SH   SOLE   0 0 46,409
LOWES COS INC COM 548661107   2,685,379 11,898 SH   SOLE   0 0 11,898
MICROSOFT CORP COM 594918104   2,108,964 6,193 SH   SOLE   0 0 6,193
UNITED PARCEL SERVICE INC CL B 911312106   2,245,286 12,526 SH   SOLE   0 0 12,526
CISCO SYS INC COM 17275R102   3,699,772 71,507 SH   SOLE   0 0 71,507
DELUXE CORP COM 248019101   250,384 14,324 SH   SOLE   0 0 14,324
INTERNATIONAL BUSINESS MACHS COM 459200101   2,018,390 15,084 SH   SOLE   0 0 15,084
LOCKHEED MARTIN CORP COM 539830109   2,362,670 5,132 SH   SOLE   0 0 5,132
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   365,106 2,100 SH   SOLE   0 0 2,100
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   212,052 2,859 SH   SOLE   0 0 2,859
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   393,677 2,966 SH   SOLE   0 0 2,966
STARBUCKS CORP COM 855244109   1,426,761 14,403 SH   SOLE   0 0 14,403
TEXAS INSTRS INC COM 882508104   2,234,408 12,412 SH   SOLE   0 0 12,412
TARGET CORP COM 87612E106   1,033,568 7,836 SH   SOLE   0 0 7,836
MERCK & CO INC COM 58933Y105   2,933,906 25,426 SH   SOLE   0 0 25,426
PROCTER AND GAMBLE CO COM 742718109   2,410,997 15,889 SH   SOLE   0 0 15,889
HOME DEPOT INC COM 437076102   2,585,457 8,323 SH   SOLE   0 0 8,323
MCDONALDS CORP COM 580135101   2,502,466 8,386 SH   SOLE   0 0 8,386
HP INC COM 40434L105   1,478,441 48,142 SH   SOLE   0 0 48,142
ISHARES TR 1 3 YR TREAS BD 464287457   20,980,828 258,767 SH   SOLE   0 0 258,767
ISHARES TR 7-10 YR TRSY BD 464287440   2,381,770 24,656 SH   SOLE   0 0 24,656
UNITEDHEALTH GROUP INC COM 91324P102   1,413,082 2,940 SH   SOLE   0 0 2,940
OMNICOM GROUP INC COM 681919106   846,169 8,893 SH   SOLE   0 0 8,893
COMCAST CORP NEW CL A 20030N101   2,752,438 66,244 SH   SOLE   0 0 66,244
VANGUARD INDEX FDS TOTAL STK MKT 922908769   45,109,820 204,784 SH   SOLE   0 0 204,784
APPLE INC COM 037833100   6,008,466 30,976 SH   SOLE   0 0 30,976
GENERAL MLS INC COM 370334104   2,049,577 26,722 SH   SOLE   0 0 26,722
USANA HEALTH SCIENCES INC COM 90328M107   772,114 12,248 SH   SOLE   0 0 12,248
EATON CORP PLC SHS G29183103   2,545,725 12,659 SH   SOLE   0 0 12,659
HONDA MOTOR LTD AMERN SHS 438128308   2,218,116 73,181 SH   SOLE   0 0 73,181
ALPHABET INC CAP STK CL A 02079K305   327,978 2,740 SH   SOLE   0 0 2,740
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,508,953 15,169 SH   SOLE   0 0 15,169
KORN FERRY COM NEW 500643200   922,138 18,614 SH   SOLE   0 0 18,614
MASTERCARD INCORPORATED CL A 57636Q104   288,289 733 SH   SOLE   0 0 733
ISHARES TR MBS ETF 464288588   878,277 9,417 SH   SOLE   0 0 9,417
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   73,031,149 795,373 SH   SOLE   0 0 795,373
VISA INC COM CL A 92826C839   2,804,876 11,811 SH   SOLE   0 0 11,811
BROADCOM INC COM 11135F101   3,166,120 3,650 SH   SOLE   0 0 3,650
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   10,998,229 598,706 SH   SOLE   0 0 598,706
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,541,951 20,380 SH   SOLE   0 0 20,380
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   24,226,914 419,659 SH   SOLE   0 0 419,659
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,599,819 22,030 SH   SOLE   0 0 22,030
ISHARES INC MSCI GBL MIN VOL 464286525   928,385 9,468 SH   SOLE   0 0 9,468
ALLISON TRANSMISSION HLDGS I COM 01973R101   678,932 12,025 SH   SOLE   0 0 12,025
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   15,703,180 331,151 SH   SOLE   0 0 331,151
ABBVIE INC COM 00287Y109   2,889,015 21,443 SH   SOLE   0 0 21,443
ISHARES TR TRS FLT RT BD 46434V860   1,982,666 39,129 SH   SOLE   0 0 39,129
ISHARES TR HDG MSCI EAFE 46434V803   7,780,380 250,980 SH   SOLE   0 0 250,980
ALPHABET INC CAP STK CL C 02079K107   1,673,499 13,834 SH   SOLE   0 0 13,834
GENPREX INC COM 372446104   94,860 100,000 SH   SOLE   0 0 100,000
ISHARES TR 0-3 MNTH TREASRY 46436E718   14,223,346 141,343 SH   SOLE   0 0 141,343