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   1,163,918 3,110 SH   SOLE   0 0 3,110
MEDTRONIC PLC SHS G5960L103   988,115 10,375 SH   SOLE   0 0 10,375
ABBVIE INC COM 00287Y109   1,389,703 6,002 SH   SOLE   0 0 6,002
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   13,089,157 355,587 SH   SOLE   0 0 355,587
ALPHABET INC CAP STK CL A 02079K305   1,283,568 5,280 SH   SOLE   0 0 5,280
AMAZON COM INC COM 023135106   365,145 1,663 SH   SOLE   0 0 1,663
AMGEN INC COM 031162100   903,887 3,203 SH   SOLE   0 0 3,203
APPLE INC COM 037833100   6,002,560 23,574 SH   SOLE   0 0 23,574
BRISTOL-MYERS SQUIBB CO COM 110122108   766,520 16,996 SH   SOLE   0 0 16,996
BROADCOM INC COM 11135F101   1,441,707 4,370 SH   SOLE   0 0 4,370
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   7,101,688 161,696 SH   SOLE   0 0 161,696
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   476,220 12,044 SH   SOLE   0 0 12,044
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   1,717,766 40,870 SH   SOLE   0 0 40,870
CHEVRON CORP NEW COM 166764100   209,020 1,346 SH   SOLE   0 0 1,346
CISCO SYS INC COM 17275R102   1,042,310 15,234 SH   SOLE   0 0 15,234
COLGATE PALMOLIVE CO COM 194162103   574,689 7,189 SH   SOLE   0 0 7,189
COMCAST CORP NEW CL A 20030N101   693,219 22,063 SH   SOLE   0 0 22,063
EXXON MOBIL CORP COM 30231G102   687,324 6,096 SH   SOLE   0 0 6,096
META PLATFORMS INC CL A 30303M102   301,096 410 SH   SOLE   0 0 410
FOX CORP CL A COM 35137L105   239,187 3,793 SH   SOLE   0 0 3,793
GENERAL MLS INC COM 370334104   752,065 14,916 SH   SOLE   0 0 14,916
GILEAD SCIENCES INC COM 375558103   218,892 1,972 SH   SOLE   0 0 1,972
HOME DEPOT INC COM 437076102   1,217,465 3,005 SH   SOLE   0 0 3,005
INTERNATIONAL BUSINESS MACHS COM 459200101   1,413,339 5,009 SH   SOLE   0 0 5,009
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   355,118 1,872 SH   SOLE   0 0 1,872
ISHARES TR SELECT DIVID ETF 464287168   218,408 1,537 SH   SOLE   0 0 1,537
ISHARES TR TIPS BD ETF 464287176   4,707,831 42,329 SH   SOLE   0 0 42,329
ISHARES TR CORE S&P500 ETF 464287200   14,890,586 22,248 SH   SOLE   0 0 22,248
ISHARES TR CORE S&P MCP ETF 464287507   587,144 8,997 SH   SOLE   0 0 8,997
ISHARES TR RUS 1000 VAL ETF 464287598   810,085 3,979 SH   SOLE   0 0 3,979
ISHARES TR CORE S&P US GWT 464287671   219,332 1,333 SH   SOLE   0 0 1,333
ISHARES TR CORE S&P SCP ETF 464287804   257,980 2,171 SH   SOLE   0 0 2,171
ISHARES TR CORE 80/20 AGGRE 464289859   648,093 7,353 SH   SOLE   0 0 7,353
ISHARES TR CORE 60/40 BALAN 464289867   234,214 3,638 SH   SOLE   0 0 3,638
ISHARES TR HDG MSCI EAFE 46434V803   1,453,925 36,706 SH   SOLE   0 0 36,706
ISHARES TR TRS FLT RT BD 46434V860   1,886,501 37,290 SH   SOLE   0 0 37,290
KROGER CO COM 501044101   1,190,528 17,661 SH   SOLE   0 0 17,661
LAM RESEARCH CORP COM NEW 512807306   870,886 6,504 SH   SOLE   0 0 6,504
LOCKHEED MARTIN CORP COM 539830109   926,534 1,856 SH   SOLE   0 0 1,856
LOWES COS INC COM 548661107   1,032,130 4,107 SH   SOLE   0 0 4,107
MCDONALDS CORP COM 580135101   1,019,551 3,355 SH   SOLE   0 0 3,355
MERCK & CO INC COM 58933Y105   769,638 9,170 SH   SOLE   0 0 9,170
MICROSOFT CORP COM 594918104   958,208 1,850 SH   SOLE   0 0 1,850
NETAPP INC COM 64110D104   799,131 6,746 SH   SOLE   0 0 6,746
NVIDIA CORPORATION COM 67066G104   627,139 3,361 SH   SOLE   0 0 3,361
PROCTER AND GAMBLE CO COM 742718109   955,857 6,221 SH   SOLE   0 0 6,221
PROSHARES TR S&P 500 DV ARIST 74348A467   2,585,923 25,089 SH   SOLE   0 0 25,089
QUALCOMM INC COM 747525103   966,382 5,809 SH   SOLE   0 0 5,809
SPDR S&P 500 ETF TR TR UNIT 78462F103   10,092,627 15,150 SH   SOLE   0 0 15,150
SPDR GOLD TR GOLD SHS 78463V107   301,083 847 SH   SOLE   0 0 847
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   224,601 2,867 SH   SOLE   0 0 2,867
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   548,348 920 SH   SOLE   0 0 920
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   4,045,074 44,088 SH   SOLE   0 0 44,088
SCHWAB CHARLES CORP COM 808513105   561,268 5,879 SH   SOLE   0 0 5,879
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,702,682 210,050 SH   SOLE   0 0 210,050
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   7,930,859 290,508 SH   SOLE   0 0 290,508
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   487,667 2,035 SH   SOLE   0 0 2,035
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   935,722 17,370 SH   SOLE   0 0 17,370
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,247,794 4,427 SH   SOLE   0 0 4,427
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   513,134 4,335 SH   SOLE   0 0 4,335
STARBUCKS CORP COM 855244109   788,980 9,326 SH   SOLE   0 0 9,326
TESLA INC COM 88160R101   507,870 1,142 SH   SOLE   0 0 1,142
VANGUARD STAR FDS VG TL INTL STK F 921909768   9,566,916 130,233 SH   SOLE   0 0 130,233
VANGUARD BD INDEX FDS INTERMED TERM 921937819   205,923 2,637 SH   SOLE   0 0 2,637
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   322,617 4,338 SH   SOLE   0 0 4,338
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   219,881 847 SH   SOLE   0 0 847
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845   6,388,333 84,485 SH   SOLE   0 0 84,485
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,560,072 60,494 SH   SOLE   0 0 60,494
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   272,509 445 SH   SOLE   0 0 445
VANGUARD INDEX FDS MID CAP ETF 922908629   238,223 811 SH   SOLE   0 0 811
VANGUARD INDEX FDS VALUE ETF 922908744   3,514,031 18,843 SH   SOLE   0 0 18,843
VANGUARD INDEX FDS TOTAL STK MKT 922908769   25,691,445 78,287 SH   SOLE   0 0 78,287
VISA INC COM CL A 92826C839   1,145,671 3,356 SH   SOLE   0 0 3,356
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   6,629,708 131,882 SH   SOLE   0 0 131,882