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
EATON CORP PLC SHS G29183103   1,340,140 3,754 SH   SOLE   0 0 3,754
MEDTRONIC PLC SHS G5960L103   949,891 10,897 SH   SOLE   0 0 10,897
ABBVIE INC COM 00287Y109   1,137,294 6,127 SH   SOLE   0 0 6,127
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   10,755,518 341,012 SH   SOLE   0 0 341,012
ALPHABET INC CAP STK CL A 02079K305   953,404 5,410 SH   SOLE   0 0 5,410
AMAZON COM INC COM 023135106   363,968 1,659 SH   SOLE   0 0 1,659
AMGEN INC COM 031162100   953,781 3,416 SH   SOLE   0 0 3,416
APPLE INC COM 037833100   4,910,459 23,934 SH   SOLE   0 0 23,934
BRISTOL-MYERS SQUIBB CO COM 110122108   827,758 17,882 SH   SOLE   0 0 17,882
BROADCOM INC COM 11135F101   1,543,089 5,598 SH   SOLE   0 0 5,598
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   6,010,143 147,851 SH   SOLE   0 0 147,851
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   453,500 12,280 SH   SOLE   0 0 12,280
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   1,776,339 44,982 SH   SOLE   0 0 44,982
CISCO SYS INC COM 17275R102   270,790 3,903 SH   SOLE   0 0 3,903
COLGATE PALMOLIVE CO COM 194162103   678,387 7,463 SH   SOLE   0 0 7,463
COMCAST CORP NEW CL A 20030N101   822,405 23,043 SH   SOLE   0 0 23,043
EXXON MOBIL CORP COM 30231G102   676,337 6,274 SH   SOLE   0 0 6,274
META PLATFORMS INC CL A 30303M102   284,165 385 SH   SOLE   0 0 385
GENERAL MLS INC COM 370334104   807,562 15,587 SH   SOLE   0 0 15,587
GILEAD SCIENCES INC COM 375558103   200,231 1,806 SH   SOLE   0 0 1,806
HOME DEPOT INC COM 437076102   1,123,633 3,065 SH   SOLE   0 0 3,065
INTERNATIONAL BUSINESS MACHS COM 459200101   1,506,326 5,110 SH   SOLE   0 0 5,110
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   337,309 1,856 SH   SOLE   0 0 1,856
ISHARES TR SELECT DIVID ETF 464287168   204,129 1,537 SH   SOLE   0 0 1,537
ISHARES TR TIPS BD ETF 464287176   4,717,085 42,867 SH   SOLE   0 0 42,867
ISHARES TR CORE S&P500 ETF 464287200   12,669,465 20,405 SH   SOLE   0 0 20,405
ISHARES TR CORE S&P MCP ETF 464287507   557,994 8,997 SH   SOLE   0 0 8,997
ISHARES TR RUS 1000 VAL ETF 464287598   772,841 3,979 SH   SOLE   0 0 3,979
ISHARES TR CORE S&P US GWT 464287671   200,483 1,333 SH   SOLE   0 0 1,333
ISHARES TR CORE S&P SCP ETF 464287804   237,269 2,171 SH   SOLE   0 0 2,171
ISHARES TR CORE 80/20 AGGRE 464289859   636,842 7,636 SH   SOLE   0 0 7,636
ISHARES TR CORE 60/40 BALAN 464289867   223,992 3,638 SH   SOLE   0 0 3,638
ISHARES TR HDG MSCI EAFE 46434V803   1,413,706 37,242 SH   SOLE   0 0 37,242
ISHARES TR TRS FLT RT BD 46434V860   1,978,592 39,064 SH   SOLE   0 0 39,064
KROGER CO COM 501044101   1,299,891 18,122 SH   SOLE   0 0 18,122
LAM RESEARCH CORP COM NEW 512807306   816,099 8,384 SH   SOLE   0 0 8,384
LENNAR CORP CL A 526057104   464,894 4,203 SH   SOLE   0 0 4,203
LOCKHEED MARTIN CORP COM 539830109   919,796 1,986 SH   SOLE   0 0 1,986
LOWES COS INC COM 548661107   949,604 4,280 SH   SOLE   0 0 4,280
MCDONALDS CORP COM 580135101   1,003,604 3,435 SH   SOLE   0 0 3,435
MERCK & CO INC COM 58933Y105   759,857 9,599 SH   SOLE   0 0 9,599
MICROSOFT CORP COM 594918104   931,649 1,873 SH   SOLE   0 0 1,873
NETAPP INC COM 64110D104   1,047,813 9,834 SH   SOLE   0 0 9,834
NVIDIA CORPORATION COM 67066G104   529,304 3,350 SH   SOLE   0 0 3,350
PROCTER AND GAMBLE CO COM 742718109   1,030,800 6,470 SH   SOLE   0 0 6,470
PROSHARES TR S&P 500 DV ARIST 74348A467   2,569,965 25,521 SH   SOLE   0 0 25,521
QUALCOMM INC COM 747525103   972,757 6,108 SH   SOLE   0 0 6,108
SPDR S&P 500 ETF TR TR UNIT 78462F103   9,446,927 15,290 SH   SOLE   0 0 15,290
SPDR GOLD TR GOLD SHS 78463V107   258,191 847 SH   SOLE   0 0 847
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   207,893 2,860 SH   SOLE   0 0 2,860
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   517,196 913 SH   SOLE   0 0 913
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   4,173,715 45,500 SH   SOLE   0 0 45,500
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,865,946 166,585 SH   SOLE   0 0 166,585
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   6,593,930 248,828 SH   SOLE   0 0 248,828
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   442,267 2,035 SH   SOLE   0 0 2,035
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   903,801 17,258 SH   SOLE   0 0 17,258
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,160,806 4,584 SH   SOLE   0 0 4,584
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   470,478 4,335 SH   SOLE   0 0 4,335
STARBUCKS CORP COM 855244109   895,042 9,768 SH   SOLE   0 0 9,768
TESLA INC COM 88160R101   363,721 1,145 SH   SOLE   0 0 1,145
TWIST BIOSCIENCE CORP COM 90184D100   204,185 5,550 SH   SOLE   0 0 5,550
VANGUARD STAR FDS VG TL INTL STK F 921909768   8,071,370 116,824 SH   SOLE   0 0 116,824
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   271,695 3,690 SH   SOLE   0 0 3,690
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   210,344 847 SH   SOLE   0 0 847
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845   6,999,405 92,646 SH   SOLE   0 0 92,646
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,623,787 61,650 SH   SOLE   0 0 61,650
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   252,773 445 SH   SOLE   0 0 445
VANGUARD INDEX FDS MID CAP ETF 922908629   226,942 811 SH   SOLE   0 0 811
VANGUARD INDEX FDS VALUE ETF 922908744   2,959,335 16,744 SH   SOLE   0 0 16,744
VANGUARD INDEX FDS TOTAL STK MKT 922908769   22,683,816 74,635 SH   SOLE   0 0 74,635
VISA INC COM CL A 92826C839   1,412,034 3,977 SH   SOLE   0 0 3,977
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   7,032,684 139,787 SH   SOLE   0 0 139,787