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
ABBVIE INC COM 00287Y109   2,844,627 15,325 SH   SOLE 0 164 0 15,161
ALLISON TRANSMISSION HLDGS I COM 01973R101   702,451 7,395 SH   SOLE 0 5,439 0 1,956
ALPHABET INC CAP STK CL C 02079K107   1,628,795 9,182 SH   SOLE 0 6,087 0 3,095
ALPHABET INC CAP STK CL A 02079K305   2,486,958 14,112 SH   SOLE 0 170 0 13,942
AMAZON COM INC COM 023135106   334,055 1,523 SH   SOLE 0 0 0 1,523
AMGEN INC COM 031162100   2,402,602 8,605 SH   SOLE 0 98 0 8,507
APPLE INC COM 037833100   5,944,039 28,971 SH   SOLE 0 3,158 0 25,813
AT&T INC COM 00206R102   234,547 8,105 SH   SOLE 0 0 0 8,105
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   321,580 662 SH   SOLE 0 0 0 662
BRISTOL-MYERS SQUIBB CO COM 110122108   2,220,207 47,963 SH   SOLE 0 659 0 47,304
BROADCOM INC COM 11135F101   3,720,448 13,497 SH   SOLE 0 155 0 13,342
CISCO SYS INC COM 17275R102   239,600 3,453 SH   SOLE 0 0 0 3,453
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   203,346 2,606 SH   SOLE 0 0 0 2,606
COLGATE PALMOLIVE CO COM 194162103   1,772,459 19,499 SH   SOLE 0 225 0 19,274
COMCAST CORP NEW CL A 20030N101   2,099,925 58,838 SH   SOLE 0 808 0 58,030
CONOCOPHILLIPS COM 20825C104   239,965 2,674 SH   SOLE 0 0 0 2,674
EATON CORP PLC SHS G29183103   3,255,749 9,120 SH   SOLE 0 108 0 9,012
ELASTIC N V ORD SHS N14506104   389,099 4,614 SH   SOLE 0 0 0 4,614
ELI LILLY & CO COM 532457108   528,521 678 SH   SOLE 0 0 0 678
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   10,332,851 327,611 SH   SOLE 0 32,875 0 294,736
EXXON MOBIL CORP COM 30231G102   2,130,236 19,761 SH   SOLE 0 164 0 19,597
FORD MTR CO COM 345370860   30,738 15,000 SH Call SOLE 0 0 0 15,000
FOX CORP CL A COM 35137L105   1,199,256 21,400 SH   SOLE 0 12,591 0 8,809
GENERAL MLS INC COM 370334104   2,118,148 40,883 SH   SOLE 0 496 0 40,387
GILEAD SCIENCES INC COM 375558103   245,466 2,214 SH   SOLE 0 0 0 2,214
GRAINGER W W INC COM 384802104   225,732 217 SH   SOLE 0 0 0 217
HOME DEPOT INC COM 437076102   2,847,693 7,767 SH   SOLE 0 88 0 7,679
HP INC COM 40434L105   728,614 29,788 SH   SOLE 0 21,993 0 7,795
ILLINOIS TOOL WKS INC COM 452308109   201,014 813 SH   SOLE 0 0 0 813
INTERNATIONAL BUSINESS MACHS COM 459200101   3,733,094 12,664 SH   SOLE 0 166 0 12,498
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   337,309 1,856 SH   SOLE 0 0 0 1,856
INVESCO QQQ TR UNIT SER 1 46090E103   321,683 583 SH   SOLE 0 0 0 583
IONIS PHARMACEUTICALS INC COM 462222100   395,100 10,000 SH   SOLE 0 0 0 10,000
ISHARES TR MBS ETF 464288588   653,381 6,959 SH   SOLE 0 0 0 6,959
ISHARES TR CORE S&P500 ETF 464287200   611,587 985 SH   SOLE 0 0 0 985
ISHARES TR 0-3 MNTH TREASRY 46436E718   7,028,565 69,804 SH   SOLE 0 45,869 0 23,935
ISHARES TR RUS 1000 GRW ETF 464287614   250,502 590 SH   SOLE 0 0 0 590
ISHARES TR TRS FLT RT BD 46434V860   9,039,051 178,461 SH   SOLE 0 6,886 0 171,575
ISHARES TR RUS 1000 VAL ETF 464287598   489,460 2,520 SH   SOLE 0 0 0 2,520
ISHARES TR TIPS BD ETF 464287176   18,758,170 170,467 SH   SOLE 0 16,875 0 153,592
ISHARES TR HDG MSCI EAFE 46434V803   3,707,859 97,678 SH   SOLE 0 3,045 0 94,633
ISHARES TR 7-10 YR TRSY BD 464287440   2,490,116 26,001 SH   SOLE 0 0 0 26,001
KORN FERRY COM NEW 500643200   867,274 11,827 SH   SOLE 0 8,275 0 3,552
KROGER CO COM 501044101   3,395,842 47,342 SH   SOLE 0 615 0 46,727
LAM RESEARCH CORP COM NEW 512807306   2,133,011 21,913 SH   SOLE 0 259 0 21,654
LENNAR CORP CL A 526057104   1,169,701 10,575 SH   SOLE 0 116 0 10,459
LOCKHEED MARTIN CORP COM 539830109   2,435,733 5,259 SH   SOLE 0 58 0 5,201
LOWES COS INC COM 548661107   2,300,792 10,370 SH   SOLE 0 125 0 10,245
MASTERCARD INCORPORATED CL A 57636Q104   248,888 443 SH   SOLE 0 0 0 443
MCDONALDS CORP COM 580135101   2,465,038 8,437 SH   SOLE 0 112 0 8,325
MEDTRONIC PLC SHS G5960L103   2,655,983 30,469 SH   SOLE 0 223 0 30,246
MERCK & CO INC COM 58933Y105   2,088,953 26,389 SH   SOLE 0 299 0 26,090
META PLATFORMS INC CL A 30303M102   686,424 930 SH   SOLE 0 0 0 930
MICROSOFT CORP COM 594918104   2,383,091 4,791 SH   SOLE 0 31 0 4,760
NETAPP INC COM 64110D104   3,255,103 30,550 SH   SOLE 0 159 0 30,391
NEXTRACKER INC CLASS A COM 65290E101   1,327,444 24,415 SH   SOLE 0 15,271 0 9,144
NVIDIA CORPORATION COM 67066G104   1,163,281 7,363 SH   SOLE 0 0 0 7,363
OMNICOM GROUP INC COM 681919106   395,526 5,498 SH   SOLE 0 4,096 0 1,402
ORACLE CORP COM 68389X105   278,972 1,276 SH   SOLE 0 0 0 1,276
PGIM ETF TR TOTAL RETURN BON 69344A800   946,765 22,634 SH   SOLE 0 0 0 22,634
PGIM ETF TR PGIM ULTRA SH BD 69344A107   2,179,836 43,807 SH   SOLE 0 0 0 43,807
PROCTER AND GAMBLE CO COM 742718109   2,559,954 16,068 SH   SOLE 0 189 0 15,879
PROSHARES TR S&P 500 DV ARIST 74348A467   6,860,165 68,125 SH   SOLE 0 1,115 0 67,010
QUALCOMM INC COM 747525103   2,403,870 15,094 SH   SOLE 0 186 0 14,908
RBB FD INC US TREAS 3 MNTH 74933W452   4,313,325 86,275 SH   SOLE 0 0 0 86,275
RIVIAN AUTOMOTIVE INC COM CL A 76954A103   158,436 11,531 SH   SOLE 0 0 0 11,531
SALESFORCE INC COM 79466L302   435,044 1,595 SH   SOLE 0 0 0 1,595
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   637,140 24,043 SH   SOLE 0 0 0 24,043
SHOPIFY INC CL A SUB VTG SHS 82509L107   1,153,500 10,000 SH   SOLE 0 0 0 10,000
SPDR GOLD TR GOLD SHS 78463V107   525,832 1,725 SH   SOLE 0 0 0 1,725
SPDR S&P 500 ETF TR TR UNIT 78462F103   16,199,793 26,220 SH   SOLE 0 1,140 0 25,080
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   615,383 1,086 SH   SOLE 0 0 0 1,086
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   40,961,444 446,544 SH   SOLE 0 52,910 0 393,634
STARBUCKS CORP COM 855244109   2,384,854 26,027 SH   SOLE 0 350 0 25,677
TAPESTRY INC COM 876030107   1,226,091 13,963 SH   SOLE 0 10,243 0 3,720
TEGNA INC COM 87901J105   590,857 35,254 SH   SOLE 0 26,016 0 9,238
TESLA INC COM 88160R101   287,800 906 SH   SOLE 0 0 0 906
UNITEDHEALTH GROUP INC COM 91324P102   428,959 1,375 SH   SOLE 0 1,004 0 371
USANA HEALTH SCIENCES INC COM 90328M107   229,555 7,519 SH   SOLE 0 5,820 0 1,699
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   309,535 545 SH   SOLE 0 0 0 545
VANGUARD INDEX FDS TOTAL STK MKT 922908769   45,383,993 149,324 SH   SOLE 0 27,198 0 122,126
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845   22,738,809 300,977 SH   SOLE 0 3,847 0 297,130
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   232,621 1,810 SH   SOLE 0 0 0 1,810
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,811,077 36,027 SH   SOLE 0 0 0 36,027
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,455,486 18,308 SH   SOLE 0 0 0 18,308
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   13,567,488 230,818 SH   SOLE 0 6,696 0 224,122
VANGUARD STAR FDS VG TL INTL STK F 921909768   11,181,526 161,840 SH   SOLE 0 5,141 0 156,699
VISA INC COM CL A 92826C839   3,603,758 10,150 SH   SOLE 0 120 0 10,030
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   30,231,612 600,907 SH   SOLE 0 78,218 0 522,689